Podcast appearances and mentions of marc shoffman

Older homeowners are doing it, but are they doing it as well as they could? Downsizing - it can be an emotional and sensitive time and if you're going to have a property journalist run the rule over this story, you have to get the best - Marc Shoffman. Rent rises are cooling, according to Zoopla in a BBC report and so Simmo offers a wise summary and what it means for landlords and the housing market in general. Charlie Lamdin is on the verge of launching the BestAgent Public House Price Index - Charlie explains how it works and why it's an important move for the sector and don't forget 4th Sep is BestAgent Day. Selling Somerset does its thing once again and this time, Simmo gets all serious. Throw in Alan working some ladder based magic with his self build update and you have the leading property podcast.

Owner and chef at The White Hart in Grafton Regis ( Northants ), Alan Bonar-Drake set his sights on building his own home and now, after long and drawn out planning tussles, work has started. We're covering the build at every step and as the builders worked on the footings, we had a chat in their pub garden ( nice work if you can get it! ) Stay with us for all the updates on self build - they're really useful, especially if you've got the desire to build your own place. Also The media and the property market; do they like a party pooper story a bit TOO much? Simmo picks over how the housing market is depicted in the press and property journalist, the excellent Marc Shoffman gives us his take. Charlie Says isn't short of an opinion or two when it comes to the media and housing, so we've let him rip! Ah yes and there's one more thing to listen out for - what Zoopla is saying about sales trends. ( I say one more thing, but who can forget the chippy and the floor for all the wrong reasons! )

How is it possible to cover the most popular coastal locations for buying property, energy efficient homes, the challenge of making friends in a new area and nicknames? Reaching the height of their considerable podcasting powers, property expert Andrew " Simmo " Simmonds and general voice-on-a-stick JP fuse these addictive elements with great insight and extremely fine guests. Alan Collins from Round Table comes on to say how RT and Ladies Circle can help you find your feet in a new community and journalist Marc Shoffman gives us the inside view of his recent piece for Estate Agent Today on energy efficient homes. Would you pay more for one? Many are, so now's the time to consider just how eco friendly your place is. Whitby, Cornwall and a choice selection of seaside towns have come out as the ripe for house buying, so see if you fancy relocating off the back of our lowdown on this story. And how can resist a good nickname? Why did we even mention Gums and Creamer?!

In this episode, we ask whether you need shorthand as a freelance journalist. We talk to Marc Shoffman, a journalist and podcaster, and Rachel Charlton-Dailey, a health and disability journalist, about the pros and cons of shorthand, when it can be useful, as well as considering alternatives tools.  Marc Shoffman Twitter: https://twitter.com/marcshoffman (@marcshoffman)  Instagram: https://www.instagram.com/inforapennypodcast/?hl=en (inforapennypodcast) Website: Https://cavendishcontent.com/ (Https://cavendishcontent.com/)   Rachel Charlton-Dailey Twitter: https://twitter.com/RachelCDailey (@RachelCDailey) Instagram: https://www.instagram.com/rachel_is_dunn/ (@rachel_is_dunn) Website: https://rachelcharltondailey.com/ (https://rachelcharltondailey.com/)   Resources The unwritten https://www.theunwritten.co.uk/ (https://www.theunwritten.co.uk/) Women in Journalism Georgina Henry award for digital innovation. https://womeninjournalism.co.uk/about-us/georgina-henry-award/ (https://womeninjournalism.co.uk/about-us/georgina-henry-award/) Transcription software service https://otter.ai/home (https://otter.ai/home) NCTJ shorthand  https://www.nctj.com/journalism-qualifications/shorthand-teeline (https://www.nctj.com/journalism-qualifications/shorthand-teeline) NCTJ optional shorthand  https://pressgazette.co.uk/nctj-set-to-make-shorthand-optional-for-students-who-dont-focus-on-news/ (https://pressgazette.co.uk/nctj-set-to-make-shorthand-optional-for-students-who-dont-focus-on-news/) Freelance Journalist Recommendations Ian Fraser  https://www.ianfraser.org/ (https://www.ianfraser.org/) Charlotte Colombo https://muckrack.com/charlotte-colombo (https://muckrack.com/charlotte-colombo) Hannah Shewan Stevens https://muckrack.com/hannah-stevens (https://muckrack.com/hannah-stevens)

Marc and Josh discuss why they quit the rate race to manage their own businesses and the main financial factors to consider.Plus, Josh gets his first post-lockdown haircut!Relax and enjoy the words of wisdom (and laughter) from Marc Shoffman & Joshua Gerstler - hosts of the UK’s funniest personal finance podcast. Links:The Orchard PracticeCavendish ContentLeave a review!Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstlerWe look forward to hearing from you!Support this show http://supporter.acast.com/inforapennypodcast. See acast.com/privacy for privacy and opt-out information.

One of the main aims of investing is to grow your money but you can also earn extra through dividends without having to invest more of your hard-earned cash.In this episode of the In For a Penny personal finance podcast, Marc & Josh discuss the basics of shares and dividends, including:What is share?What is a dividend?How does a dividend help grow your investments?How many stockmarket investing jokes can Marc make in one episode?Relax and enjoy the words of wisdom (and laughter) from Marc Shoffman & Joshua Gerstler - hosts of the UK’s funniest personal finance podcast. Links:The Orchard PracticeCavendish ContentLeave a review!Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstlerWe look forward to hearing from you!Support this show http://supporter.acast.com/inforapennypodcast. See acast.com/privacy for privacy and opt-out information.

From pension tax relief to annual and lifetime allowances, Marc and Josh discuss everything you need to know about how your retirement savings are taxed.What is tax relief and how it boosts your pension contributionsHow much can you put into a pension each yearHow pension withdrawals are taxed and how you can get 25% of your pot tax-free!Relax and enjoy the words of wisdom (and laughter) from Marc Shoffman & Joshua Gerstler - hosts of one of the UK’s funniest personal finance podcast. Links:The Orchard PracticeCavendish ContentLeave a review!Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstlerWe look forward to hearing from you! See acast.com/privacy for privacy and opt-out information.

In this episode of the In For a Penny personal finance podcast, Marc & Josh discuss Chancellor Rishi Sunak's budget, how he plans to balance the nation's finances and how it could affect you, including:Freezes to Income Tax thresholdsIs a Corporation Tax rise fair?Why does the government need to balance the books?Relax and enjoy the words of wisdom (and laughter) from Marc Shoffman & Joshua Gerstler - hosts of the UK’s funniest personal finance podcast. Links:The Orchard PracticeCavendish ContentLeave a review!Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstlerWe look forward to hearing from you! See acast.com/privacy for privacy and opt-out information.

Marc and Josh discuss what to do with all those workplace pension pots you build up over your career.Is it always best to consolidate your pensions?What are the risks?How do you combine your company pensions?About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

Marc and Josh spoke with Rebecca Fox, an employment lawyer at VWV in Watford about how to furlough fairly.The word furlough is also becoming more common after the government set up a coronavirus job retention scheme to help businesses retain staff during the uncertainty of the pandemic even if they have to temporarily close.Under the scheme, the government will pay a firm’s employees 80% of their current salary for hours not worked up to a maximum of £2,500.It will run up to the end of March 2021.Of course there are lots of questions, what can and can’t you do on furlough and what are your employment rights during the pandemic and beyond.Can you still earn annual leave?Are you allowed to apply for a new job?What happens if you feel you have been dismissed unfairly?There have been lots of changes to government support and this interview was conducted in late October so things could be different by the time you listen but it should give you a general idea of what it supposed to happen on furlough and if you ever feel you have been unfairly dismissed.About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

The Bank of England has suggested negative interest rates are in its toolbox to stimulate the economy.Marc and Josh discuss what this could mean for your savings and mortgages.Plus, hear Marc's novel idea to use pension funds to boost lending.About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

Marc and Josh discuss the cost of inertia when it comes to financial services.How much could you be wasting by not switching your mortgageWhy you shouldn't accept your first insurance renewal quoteHow to negotiate a cheaper broadband and TV packageAbout usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

Schools are back and universities are (sort of) open. Marc and Josh discuss how to setup and manage your university finances.Plus, do you need a degree and will student debt harm your chances of getting a mortgage?About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

Marc and Josh discuss the pros and cons of estate agents and the best way to value your property.Is there too much property data?Is it better to pay upfront, a flat fee or commission?Does a house price crash matter?About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

In part-two of our interview with Play With A Legend founder Josh Landy, the businessman reveals his entrepreneurial inspiration, approach to saving and spending and his favourite football stars to have a kickaround with!About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

Ever wanted to play football with some of the greatest legends of the game?Marc and Josh meet Josh Landy, founder of sports events company Play with A Legend, which links fans with football stars for a memorable birthday, stag do or company event.In part 1 of this interview, Landy discusses how his business began from arranging a stag party football match for a friend with Arsenal legend Nigel Winterburn and the challenges he has faced in growing the brand and navigating the coronavirus pandemic.Plus, don't miss his prediction for the 2020 Heads Up FA Cup final!About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

Forget pubs and hairdressers reopening, this was a landmark week for Marc as his investments recovered from their lockdown losses.Marc and Josh discuss portfolio performance and the importance of not panicking amid the coronavirus crunch.Plus, don't miss Josh's review of his first post-lockdown haircut!About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. See acast.com/privacy for privacy and opt-out information.

Marc and Josh discuss the tax allowances you can use to boost your savings and investments and earn income tax-free!About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.@marcshoffman@joshgerstler@inforapennypod1 See acast.com/privacy for privacy and opt-out information.

Marc & Josh discuss the role of risk profiling in financial planning.Why risk questionnaires don't provide the right answerThe perfect first question to understand a client's risk appetiteThe importance of setting and following goals and informed riskAbout usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.How to leave a reviewApple devices:Launch the Apple Podcast app on your smartphoneSearch for the In For A Penny PodcastClick on the artwork and tap the reviews tab to leave feedbackTap on the stars to leave a ratingClick sendYou may need to sign in to iTunes to do this@marcshoffman@joshgerstler@inforapennypod1 See acast.com/privacy for privacy and opt-out information.

Childcare is dominating the news as primary schools reopen and government adviser Dominic Cummings faces criticism for driving from London to his parents in Durham during lockdown because he was worried about how his son would be looked after.What about preparing the next generation financially?Marc & Josh discuss how to save and invest for your children.What is a Junior ISA?Is it worth setting up a pension for your children?Are premium bonds worth the risk?Alien Concept: The difference between saving and investingIs there a minimum amount you should save or invest?Are savings apps a good idea?Do the terms make sense?About usThe In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.@marcshoffman@joshgerstler@inforapennypod1 See acast.com/privacy for privacy and opt-out information.

Married couples have been spending a lot more time together during lockdown in the UK which in some cases has brought families closer and sadly in others there is speculation that frustration could lead to divorce. There was a spike in divorce applications in China after it lifted its lockdown restrictions earlier this year and UK lawyers say they have seen more inquiries about marital splits. Marc and Josh spoke with Charlotte Coyle, a senior associate in the family team at law form Goodman Derrick, to talk through the financial practicalities of getting divorced. The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

Can investing be explained by using a football analogy? Marc and Josh discuss what roles the goalkeeper, midfielders and strikers would play in an investment portfolio? Who were the best players in these positions of the 90s and noughties? Plus, does a pub quiz work on Zoom and Marc explains why he is against supper quizzes. The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1    

Marc and Josh consider what you can do to fulfil your housing aspirations despite the property market being on lockdown. - Is it still worth applying for a mortgage? - Can you still exchange and complete on a property? - How a mortgage holiday works The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

Marc and Josh take a break from financial issues to discuss life under lockdown. We tackle important issues including: - What are you missing the most? - What is the best sporting moment to watch on TV? - In which order should the Marvel movies be watched? - Is the end of ISA season as exciting as transfer deadline day? The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

Marc Shoffman and Joshua Gerstler discuss the prospect of home schooling and working amid the coronavirus pandemic. The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

Marc Shoffman and Joshua Gerstler discuss the importance of sticking to your financial (and holiday) plans amid market uncertainty being caused by the coronavirus.  Plus, what could an inheritance tax shake-up in this week's Budget mean for your financial journey? The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

Marc Shoffman and Joshua Gerstler discuss how car tax works and the best ways to pay. Also, don't miss Josh's idea for the future of motorways! The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

Billions of pounds is lost to scams each year. Marc Shoffman and Joshua Gerstler discuss how to spot a scam and examples of the most common methods used by con artists. The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1    

Marc Shoffman and Joshua Gerstler discuss what the figures on a payslip mean and why they are important as well as the pros and cons of the office whip round!   About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

In the week that Prince Harry and Meghan Markle announced they want to step back as senior royals and become financially independent, Marc Shoffman and Joshua Gerstler explain what the pair and others need to know about income tax. What is a tax band? Why do we pay income tax? What are the different income tax rates? How to reduce your income tax bill How a round of beers explains how the tax system works Show links Here are some links to subjects we discussed in this week's show so you can find out more. Tax rates Beer and income tax About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

Alien Concept: APR Marc & Josh discuss the meaning behind the term APR and if there is a better definition. What does APR stand for? What products does it apply to? Why should you worry about it? Penny for your thoughts: Is it ever ok to steal from work? Obviously any criminal activity in the workplace is wrong, but is there flexibility if you ever want to take home a pen, post-it note or an envelope?  Plus, we try Toast Ale, which is beer made using leftover fresh bread! About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

Marc Shoffman and Joshua Gerstler discuss adviser charging models. What are the different ways to pay for financial advice?  Why is it better than the old commission-based system? Why it is important to look beyond the price. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1    

Inheritance tax is paid by fewer than 5% of estates yet is one of the most controversial taxes. Marc Shoffman and Joshua Gerstler discuss inheritance tax and how to reduce your estate's bill. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

Marc Shoffman draws on the death of his dad to discuss with Joshua Gerstler the process of taking control of someone's estate, known as probate. How much does probate cost? Why do you need it? How to apply? How long should it take? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. Related links from this episode: Death notification service Tell us once How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

Joshua Gerstler puts co-presenter Marc Shoffman under the spotlight to find out his best money saving tip, financial regrets and what he would do if he won the lottery. How would you respond to our quick fire financial questions? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1      

Marc Shoffman and Joshua Gerstler meet Paragon Banking Group business development manager Jason Wilde to discuss how the buy-to-let market has changed since the 90s boom through to the lender's exit from the market and its subsequent return, plus his early life as a lifeguard and love for Sheffield Wednesday (well someone has to). About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

In the fourth and final part of a series focused on insurance, Marc Shoffman and Joshua Gerstler discuss business protection. What is the most important company asset? How can keyman insurance, shareholder protection and relevant life cover can help protect your business? How much does it cost and what is the best way to apply? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

From level term to loaded premiums, there is plenty of jargon in the world of protection. In the third of a series dedicated to the insurance market, Marc Shoffman and Joshua Gerstler discuss the most common protection terms. Do you know your level term from your indexation? What is the difference between joint and single-life policies? Are insurance payouts tax-free? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1    

In the second of a series dedicated to protection, Marc Shoffman and Joshua Gerstler discuss the insurance application process. The importance of being honest on your application. Should you apply for insurance through an adviser or direct? What documents do you need when applying for life insurance, income protection or critical illness?   About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

In the first of a series dedicated to protection, Marc Shoffman and Joshua Gerstler discuss the different types of insurance and how it can help you and your family. What is insurance and why do you need it? Why you need life insurance? How income protection can help you? Is it worth taking out a critical illness policy? Do you need to cover your life, income and illness? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

Consumers could be paying thousands of pounds more for index-linked insurance products due to companies adding charges to premiums beyond the level of inflation. Research by personal finance podcast In For A Penny, has revealed insurance companies could be charging more than £11,000 extra in some cases. The findings are discussed in the latest In For A Penny podcast, featuring insurance industry veteran Roger Edwards. What is index/inflation linked insurance? Why do you need it? How much extra could you be charged? See some of the startling figures in the table below that shows the difference in premiums with extra charges. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

Marc Shoffman and Joshua Gerstler meet Accord Mortgages business development manager (BDM) Katie Stephenson to discuss life as a BDM and the benefits of an intermediary-only lender for brokers and borrowers. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

In the sixth and last of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler explain whether to use a broker or go direct when applying for a home loan. What is the difference between a mortgage broker and using a bank?   How much will mortgage advice cost? What are the pros and cons of a mortgage broker? What are the pros and cons of going direct to the bank? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

In the fifth of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler explain your options when it comes to choosing a home loan. Should you get a tracker or fixed rate mortgage? How long should you fix for? What fees will you have to pay? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1  

In the fourth of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler explain how to repay your mortgage. What is the difference between an interest-only and repayment mortgage? How to decide which one is best for you? How long should you pay your mortgage for? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1    

In the third of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler explain the importance of a mortgage deposit: What does loan-to-value mean? How big should your deposit be? How to fund a mortgage deposit? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

In the second of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler discuss and dissect the mortgage application process.  How important is your credit report? When should you get a mortgage in principle? How hard is it to get a mortgage? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer @marcshoffman @joshgerstler @inforapennypod1

In the first of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler discuss how to find a property.  About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer

Marc Shoffman meets the cast of BAFTA-award winning BBC comedy People Just Do Nothing to discuss their work on combating scams with Santander and what to do when you suddenly find yourself earning significant sums of money. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer

Alien concept: Safe havens How important are safe havens when investing? How safe is gold? Should it be part of a portfolio? Do clients ever ask about it? What other safe havens are there? Is the phrase safe haven misleading, is anything safe?  Penny for your thoughts: How much should the tooth fairy be paying in 2019? SunLife analysis suggests the average tooth fairy payout is £1.88, what is the best rate for a tooth? Should it change with inflation? Royal London research estimates it costs more than £144,000 to raise a child up to age 18, on top of tooth fairy costs. How can you prepare your family finances? Is there a difference between investing for yourself and for your family? What is the best way to invest for your family? Contact us via Twitter or leave a comment below if there are any financial terms you would like us to dissect and discuss. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society. How to leave a review Apple devices: Launch the Apple's Podcast app on your smartphone Search for the In For A Penny Podcast Click on the artwork and tap the reviews tab to leave feedback Tap on the stars to leave a rating Click send You may need to sign in to iTunes to do this Android devices: Download the Podbean app Search for the In For A Penny podcast Leave a review via the comments tab You can also comment directly on our Podbean profile on a desktop computer

Alien concept: Early repayment charges (ERC) What is an ERC? Why is an ERC needed? How is it worked out? What type of finance does it apply to? Why are you penalised for repaying debt early? Is it ever worth paying an ERC?   Penny for your thoughts Email etiquette What is the best way of addressing someone on email? How formal should you be if you have never met someone/met someone How should you sign off an email? Contact us via Twitter or leave a comment below if there are any financial terms you would like us to dissect and discuss.   About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Happy birthday Help to Buy! The Help to Buy Equity Loan scheme is now six years old, but who is it really helping? Marc Shoffman and Josh Gerstler analyse the government's flagship housing scheme: How does Help to Buy work? How does it compare to other mortgage products? Does the government backing give it more gravitas? Do buyers understand the equity loan aspect? Is Help to Buy pushing up house prices? How can Help to Buy be improved? Contact us via Twitter or leave a comment below if there are any financial terms you would like us to dissect and discuss. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

On this episode: Alien concept: Inflation What does it mean and how does inflation affect you? How does inflation influence your investments, pension and protection products? What items make up the inflation basket and how has it changed over the years? How much milk and beer could you afford back in 1999?   Penny for your thoughts: Pulling a sickie How to approach sickness in the office Should you feel guilty about a sick day? How ill do you have to be to miss work? How to spot a faker   Contact us via Twitter or leave a comment below if there are any financial terms you would like us to dissect and discuss.   About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.  

On this episode: Alien concept: Tax wrapper What is a tax wrapper? How would you explain a tax wrapper to a client? What can you put in a tax wrapper? What else could it be called? Do we need the term at all? Penny for your thoughts: How to combat the scourge of presenteeism or facetime in the office Plus, don't miss Marc's Isa rap!   Contact us via Twitter if there are any financial terms you would like us to dissect and discuss. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler. Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

This is Money editor Simon Lambert and journalist Marc Shoffman discuss #cold-calling, #diyinvesting, and #pensions with Georgie Frost of Share Radio

This is Money's Simon Lambert and Marc Shoffman explain the tricks of the buy-to-let trade to Georgie Frost of Share Radio - on digital and online. #buytolet #property #investment #renting #houseprices

This week, Georgie Frost of Share Radio is joined by Simon Lambert and Marc Shoffman to assess whether now is the time to buy euros, rental properties - even the TSB bank. They also look at the bribes banks offer to new customers, saving for your retirement and more.

This week, Share Radio's sport's mad presenter Georgie Frost is joined by This is Money's Lee Boyce, Simon Lambert and Marc Shoffman for an entertaining look at how to avoid paying obscene amounts of money to watch men play a game, the phenomenon of phenomenally cheap mortgage deals, the ongoing pensioner bonds mess and loads more.

The Chancellor's Autumn Statement maybe about political point-scoring but it affects you. Simon Lambert, Lee Boyce and Marc Shoffman make sense of this - and expensive whisky.

Part 1 - This week, personal finance editor Ed Monk and investigative research 'bod' Marc Shoffman join Georgie Frost to make sense of the big money stories

Part 2 - Ed Monk and Marc Shoffman join Georgie Frost to discuss the week's stories, including paying for financial advice and coping with rising energy bills