Podcast appearances and mentions of pete matthew

I always love catching up with my good friend and fellow financial planner Pete Matthew—especially when we get to record it for The Retirement Café Podcast. You may have heard Pete on the podcast before (this is his third appearance!) or seen him on his hugely popular Meaningful Money YouTube channel. We've even swapped mics—I've joined his show twice too! We both share a mission: helping people retire with clarity, confidence, and purpose. This time, Pete's back to talk about his brand-new book The Meaningful Retirement Guide. It's packed with straightforward guidance on how to organise your finances in retirement—so you can get on with living the life you've worked hard for. In our conversation, we cover: The biggest mistake people make when planning their retirement Why Pete has no plans to stop working—ever! How one man turned volunteering into a paid role that transformed his retirement plan The shift from saving to spending (and why it's harder than it sounds) What your money is really for As always, I hope it gives you a helpful nudge toward the kind of retirement you truly want.  For those who want to go further, Pete offers a self-paced Retirement Planning Course through his Meaningful Money Academy. The course includes video lessons, downloadable tools, access to financial planning software, and a supportive online community. Use the code PODCAST for a discount. USEFUL LINKS  

This week on the AJ Bell Money and Markets podcast, Charlene Young and Tom Sieber unpack Trump's latest tariff U-turn [02:10] and UK growth forecasts from the IMF that also came with a warning for the Chancellor about her fiscal rules [04:25]. The energy price cap is falling and the Prime Minister says he wants more people to get the winter fuel payment. But as Charlene explores, there is little detail about how and when, and the options on the table might not be a silver bullet [07:05]? Tom reviews Tesla's struggles in Europe [11:28], and why the market reacted negatively to Games Workshop's rising profits [14:10]. Dan Coatsworth interviews Ian Lance from Temple Bar Investment Trust on UK stocks and BP takeover talk[18:07], and Tom Sieber sits down with Ian Conway of Shares magazine to discuss the whispers that London Stock Exchange is considering an overseas listing [32.33]. In our second interview, Charlene talks to financial planner, podcaster and author Pete Matthew as he shares insights on retirement planning from his new book [45.01].

After 7 Years and 344 Episodes it is time to say:  Thank you and goodnight Today - February 25th 2025 - marks the seventh anniversary since the first episode of this podcast went live to the world on February 25th 2018When I first launched the podcast I was advised that the vast majority of new podcast launches don't make it beyond episode seven.So to have reached 344 episodes in seven years of podcasting seems like a reasonable achievement.It also feels like the perfect time to draw halt to the Better Presentations More Sales podcastI started listening to podcasts around 2014 and I remember one of the shows I listened to was a social media marketing podcast hosted by Chris Marr up in Scotland.On one of his episodes the guest was a chap called Pete Matthew who revealed that he was from Penzance in Cornwall.Not too far from me in Truro and the first time I've heard anyone from Cornwall on a business podcast.Pete revealed on the episode that he'd been podcasting himself for quite a number of years.Knowing I needed some help to get started with podcasting I contacted Pete. He generously gave me his time back in the summer of 2016 and eventually after much procrastination I finally launched the podcast in February 2018. Ironically Chris Marr would end up being a guest on my show in 2024.The first 78 episodes were without guests before I worked out how to use Zoom and I interviewed Claire Boscq Scott from Jersey who I met sitting next to at a seminar at the London Business Show in 2019.Juanita Wheeler from Australia was my final and 130th guest.I do intend to return with a new podcast linked to presenting skills sometime maybe in the autumn but until then I'm very much focused on developing my on demand presentation and sales pitch training courses.I would like to say a few thank you's to all the people who made this podcast run for as long as it did.Firstly Pete Matthew who provided me with the knowledge and encouragement.My daughter Beth who edited most of the first year or two episodesHer friend Lauren who provided the voice introduction for the first batch of episodesMy son Jim who provided technical support when I first set up all the recording kit and his friend Robert who created the podcast logosThe 130 guests who have appeared on the showIt often felt like I was getting a one-to-one coaching masterclass so I'm very grateful for them sharing their insights, advice and expertise.And finally you the listeners of the showI can't believe it's been seven years - I've had a fantastic time and I will be back.So until then enjoy presenting and speaking and remember don't put too many words on your slides!I can help you transform your business presentations, create and convert sales opportunities and win more sales pitches. Click on the links below to find out more and book a free 15-20 minute Zoom call with to discuss what you might need help with. Presentation TrainingSales Training 15 Minute Free 'How can I help you' Zoom callTrevor Lee Linked Trevor Lee You TubeMy latest book: 7 Steps to Successful Presentations

Pete Matthew believes our mindset about money shapes every decision we make with it. Without the right attitude and perspective, even the best financial plans can fall apart. So Pete, a Chartered Financial Planner and Founder and host of Meaningful Money, asks - how can we avoid making the wrong decisions? ✉️ 80% of personal finance on 2 pages Get guide: https://makingmoney.email/80-guide-pete-matthew

In today's episode, Brian has a conversation with Pete Matthew. Pete is a chartered financial planner, YouTuber, author and creator of Meaningful Money. He is also the MD of Jacksons Wealth Management. His book 'The Meaningful Money Handbook' has helped many people on their journey with their money, including Brian.Meaningful Money 1 page financial plan template - https://meaningfulmoney.tv/wp-content/uploads/2019/10/One-Page-FP.pdfTo find out more about Pete:Book - https://www.amazon.co.uk/Meaningful-Money-Handbook-Everything-everything/dp/0857196510YouTube - https://www.youtube.com/channel/UC39PLqUmy-AKK5HGYYfwFYwWebsite - https://meaningfulmoney.tv/ Hosted on Acast. See acast.com/privacy for more information.

This week we have a very special feature on the Financial Planner Life podcast, as we're looking back at some of the best clips around marketing, brand development and content creation.  We draw on the wisdom of previous guests Pete Matthew, Nicola McKenzie, Sam Tate, Matt Cross & Michelle Wilson-Stimson, in this compilation of top-tips, interesting perspectives and advice for those building a brand and business in Financial Planning. Understanding how to market yourself is imperative for any Financial Planning professional trying to expand their network and build their business. We hope you learn as much as we did from these amazing guests!00:00:00 | Intro00:00:31 | Pete Matthew00:03:29 | Nicola McKenzie00:06:39 | Sam Tate00:08:16 | Matt Cross00:12:59 | Michelle Wilson Stimpson00:16:07 | OutroBe sure to follow financial planner life on YouTube for extra content about a career within Financial Planning HIT THAT SUBSCRIBE BUTTON! Below are some excellent links from our sponsor Recruit UK for any aspiring or experienced financial planners looking for new job opportunities or looking to get ahead in their career. Experienced and searching for a new role within the financial planning profession? Click here for a free career consultation.Check out the 2023 Financial planning Salary Guide here. If you would like to discuss partnering with The Financial Planner Life for jobs, advertising, marketing or academies please reach out to sam@financialplannerlife.com or call 07854778712.

 Another fresh episode of The Financial Planner Life Podcast for your eyes and ears and this week's guest is Pete Matthews Chartered Financial Planner, co-owner and CEO of Jacksons Wealth and founder of the Meaningful Money YouTube channel, which provides financial coaching on money management, investing and saving strategies. Pete shares his career journey with us from making a complete U-turn from his previous career in Hospitality Management, to relocating and joining a local firm, through to acquiring clients from retiring advisers.   Pete is also an originator in the world of Financial Planning content creation, starting and running his YouTube and podcast ‘meaningful Money' channel since 2010, and still going strong today with over 4.5 million downloads! He offers some serious wisdom when it comes to content creation, including but not limited to: -       What goes into making enticing content for your audience?-       Building a business with purpose-       Selecting topics of discussion to boost engagement.-       Balancing content creation and your day-to-day workload-       The importance of consistency and continued engagementBe sure to follow financial planner life on YouTube for extra content about a career within Financial Planning HIT THAT SUBSCRIBE BUTTON! Below are some excellent links from our sponsor Recruit UK for any aspiring or experienced financial planners looking for new job opportunities or looking to get ahead in their career. Experienced and searching for a new role within the financial planning profession? Click here for a free career consultation.Check out the 2023 Financial planning Salary Guide here. If you would like to discuss partnering with The Financial Planner Life for jobs, advertising, marketing or academies please reach out to sam@financialplannerlife.com or call 07854778712.

When we keep things simple, we get stuff done. Fact! This episode is looking at how to apply this to your money. And who better to help us with simple actionable money tips than Pete Matthew, of the Meaningful Money podcast. Pete is the king of keeping it simple and getting stuff done so we're very excited he's joined us for this episode. Check out Pete's podcast in the link below.We'll be answering questions on:1. How to simplify your pensions (handy checklist below)2. How to simplify your paperwork3. The most common way we accidentally over-complicate money4. Simplify your thinking5. Simplify your spending plan (a budget that works linked below)6. Our all time favourite quick wins clients have fallen in love withSPECIAL GUEST: Pete Matthew  is a 25-year veteran Chartered Financial Planner, CEO of Jacksons in Penzance, husband to Jo and Dad to two grown-up daughters.In 2010 he picked up a video camera and shot the first video for what would become Meaningful Money. Since then the YouTube channel has clocked up over 4 million views and the podcast has been downloaded 6 million times.For Pete, financial planning is a life skill that should be taught in school and the workplace, but in the absence of that, his goal is to provide as much information as he can, so that ordinary people can help themselves become financially free.Meaningful Money PodcastMeaningful Money YouTubePension checklist https://meaningfulmoney.tv/2021/03/16/uk-pensions-checklist/Budget planner https://meaningfulmoney.tv/budget-planner/YOUR HOSTJulie Flynn is an experienced independent financial adviser and financial coach. Justice and equality drive Julie. Which is why she's spent years studying and researching how stress affects our financial decision making.Julie is best known for her work with women who have lost their partner and coaching financial services business who want to implement fair and transparent charges.Ebb & Flow Financial Coaching | Bree Wealth & Tax | InstagramCAFE EXPERTS:Emily Pool is a Financial Planner and Will Writer. She is passionate about empowering people to invest their wealth (pensions and savings) sustainably and in line with their personal values. Michelle Lambell  started her career in financial services as a Stockbroker in 1999 undertaking both advisory and discretionary investment management. Today she is a Chartered Financial Planner, specialising in retirement planning advice, pensions and investments and a Certified Financial Coach. Support the show✅ And if you enjoyed the show, please leave us a review.We genuinely love hearing your questions and feedback. So, email us a voice note womenandmoneycafe@gmail.com or via instagram with your thoughts and suggestions.

7 Quick Sales WinsTo celebrate 5 years of podcasting I'm sharing in this episode of the Better Presentations More Sales podcast 7 Quick Sales WinsThe first episode of this podcast went live on February 25th 2018. In those early days there was no pattern to when the podcast came out, all episodes featured just me and were quite rangy in their business subject area. After feedback from my podcast mentor - Pete Matthew - from episode 20 the podcast came out every Monday and was re-branded as ‘The Sales and Presentation' podcast.My first ‘guest' was Claire Boscq-Scott  on episode 79, I had met Claire at the London Business Show. In 2020 and after 119 episodes a second re-brand happened and the show was renamed ‘Better Presentations More Sales' the idea being that if you deliver a better presentation you are more likely to be successful, and in business that often means more sales.Here's a quick summary of the 7 Quick Sales Wins:Call current customersBe curious - ask big questionsRespond quicklyMake it easy to buy from youGive buyers time to buySurprise & delight customers Know when to shut up! This is episode 254 of the Better Presentations More Sales podcast -  the previous 253 episodes are available on your usual podcast app or you can listen and download them on the Better Presentations More Sales podcast pageTo find out how more about how I can help your teams deliver confident, impactful, memorable and action inducing presentations please visit my Presentation Training pageFor one to one business leader presentation coaching please visit my Presentation Coaching page  Here are links to the evergreen webinar versions of the presenting and sales skills  sessions I ran in January and February 2023:Win that Sales PitchBe that Confident Presenter7 Quick Sales WinsPresentation Flying StartBefore you book any training or coaching with me it is important for you to be sure that I'm the right person for you or your team so let's have a 15-20 minute informal no obligation no fee chat on Zoom. Simply click here: Trevor Lee 15 minute meetingThanks for listening. If you like the show please do leave a review.Here's how you can connect with me, Trevor Lee, and find out more about how I can help you deliver confident and successful presentations and sales pitches.One to One Business Leader Presentation Coaching Business teams Presentation Training 15 Minute Free 'How can I help you' Zoom callTrevor Lee WebsiteTrevor Lee Linked Trevor Lee You TubeBook: 12 Business Lessons from Running an Ultra Marathon

#149 - Pete Matthew is a Chartered Financial Planner and the host of Meaningful Money.  He explains the different types of pensions, the best places to put your money for retirement and how to build up a pension pot for when you're ready to retire.What you'll learn[2:25] How the pandemic has changed the way people think about their finances.[5:40] The two different types of pensions and how they differ from each other.[9:19] Why defined benefit pensions are likely to be phased out.[10:48] How the 2008 crash changed annuities and the idea of a ‘guaranteed income for life'.[14:44] Whether state pensions in the UK have a future.[17:22] The increase of gradual retirement and reducing your hours before retiring completely.[22:37] How to know if you're ready to retire.[27:37] How much money you should spend when you first retire.[31:25] How to figure out what you need to retire.[35:25] Where to put your money for retirement.[39:00] What to do if you haven't started a pension yet.Resources mentioned in this episode (some of these are affiliate links and we may get a commission in the event that you make a purchase - this helps us to cover our expenses and is at no additional cost to you):Episode 27: Money matters: how to finance a career change – with Pete Matthew of Meaningful MoneyBeyond the 4% Rule, Abraham OkusanyaChanging Gear, Jan Hall and Jon StokesEpisode 82: What are you earning for anyway? The role of money and wealth in achieving life harmony - with Joseph Kuo of Abundance Wealth PlanningFor the show notes for this episode, including a full transcript and links to all the resources mentioned, visit:https://changeworklife.com/will-i-be-able-to-afford-to-retire-how-to-plan-for-a-financially-secure-retirement-even-if-its-years-away/Re-assessing your career?  Know you need a change but don't really know where to start?  Check out these two exercises to start the journey of working out what career is right for you!Take me to the exercises!Also, make sure to join the Change Work Life Facebook group and check out the ways you can support the podcast on the Change Work Life Support page.Follow us on Facebook, Instagram, and Twitter.

Pete Matthew from King's Church in Walton is our guest speaker on Co-mission Sunday. Pete preaches from Revelation 22:1-5. In these verses we see God's glorious plan for us. How should we live in light of these truths? https://www.youtube.com/watch?v=OmejoEW5do0

Today's conversation is with Pete Matthew, Financial Planner, Podcaster, YouTuber, and CEO of Jacksons Wealth Management. From flipping burgers in McDonalds to becoming Managing Director of Jackson's Wealth Management, Pete followed a fairly classic career path. Until he started messing around with a video camera and creating content. I've titled this episode the Podfather of UK Personal Finance and that is for good reason. Pete has shared countless hours of indepth content on the Meaningful Money Podcast and Youtube Channel in the last decade. Expect to learn about Pete's background and journey, the 3 steps to Financial Success including insight into budgeting, debt, insuring against disaster, paying yourself first, and how to invest wisely, I get into the nitty gritty and benefit from Pete's expertise on striking the right balance between Pensions and Isa payments, the Tax considerations, and how to manage your pension with your employer. As part of this conversation, you will also hear about multi asset funds and what to look for in your initial choices to have a light touch, relatively low admin approach to investing and personal finance. Finally, I ask about risk appetite and tolerance as well as the biggest financial mistakes Pete sees being made and the answers might surprise you. Today's episode sponsor is previous podcast guest, Mike Samuels. Mike is a copywriter who's been responsible for over $170 Million in online sales for his clients, and now teachers others how to become what he calls 'Coffee Shop Copywriters.' He's personally guided over 300 people to the point where they're now earning their living as highly-paid, highly-respected copywriters, earning up to £350 per hour, and getting paid multiple times for one piece of work. Mike is very clear that copywriting is not an easy way to riches, rather, it's a skill that requires practice. However, he's simplified the process, and truly believes anyone who loves writing, and has the drive to earn their living as a writer can do exactly that. He's put together a selection of free templates to get you started, along with access to a masterclass that shows you how to use these templates, and how to find and sign high-paying clients. If this is something that interests you, and you like the idea of earning a great living from your laptop, while mastering an in-demand skill clients around the world happily pay for, head to www.thefreedomkickstarter.com/500templates to grab your templates and free class. Connect with Pete: Website - https://meaningfulmoney.tv/ YouTube - https://www.youtube.com/meaningfulmoney Connect with Col: Instagram: https://www.instagram.com/col.cambro/ Email List - https://mailchi.mp/548e38ba5942/colincambro Support me: buymeacoffee.com/ColCamBro

Our first ever guest from episode 1 joins us for this 200th Episode special. We catch up with Pete Matthew from the Meaningful Money podcast to find out more about him, his firm and his content marketing strategy.

Millennial Money Mindset reaches 50 podcast episodes. To celebrate we are joined for the second time by Pete Matthew. Pete's podcast Meaningful Money has been downloaded over 5 million times. Pete is also an author, YouTuber and Chartered Financial Planner.    In this episode we talk about the biggest mistake people make with their money and investing. Pete reveals his own favourite investing mistakes and some money tips on how to avoid making the same mistakes with your own finances. We discuss our favourite books and which have had the biggest impact on our finances and thinking around work and business. All this and more in this special episode of Millennial Money Mindset Listen today as this episode is packed fulled with value   

Is it possible to beat the market and if so how? We explore this question and much more in this interview with Pete Matthew, who is the podcaster and author of Meaningful Money and is also a Financial Planner.  Pete Matthew's podcast Meaningful Money has been downloaded over 5 million times! He is the UK leading authority on personal finance. He shares his experience in this Millennial Money Mindset podcast. What are Pete's three uses of money? What makes life meaningful? How did Pete start his Meaningful Money Journey? He reveals all this and more in this two-part podcast episode. This is the final interview of season 4 of the podcast. I have saved the best for last. Be sure to listen to this episode as it's packed full of value!  

Joined by Qualified Financial Adviser, Pete Matthew, host of the podcast “Meaningful Money”. Pete & I explore how necessary it is to seek financial advice and the reasons why you don't always need to appoint a Financial Adviser to help you make good financial plans. Money is a tool that gets us from A to B and often we are able to make our own empowered choices just by getting the basics in place around money management. Find out more about why money is a lousy master, but a great servant.   In this episode: How necessary it is to seek financial advice and when it becomes and investment worth paying for The difference between financial advice and financial guidance What situations dictate that you move from a do-it-yourself option to seeking professional financial advice Simple steps that will enable people to do the basics themselves Why being intentional with time and money can be so powerful   Resources: Get on the VIP list for my upcoming book Register for my FREE Financial Coaching Masterclass Join The Money Circle Join Catherine's Facebook Page and FREE Facebook Group My Online Courses – Investing for beginners from £1 Catherine's YouTube Channel  Connect with Catherine on Twitter, Instagram and Facebook Books Meaningful Money Handbook The Simple Path To Wealth Connect with Peter on Website, Meaningful Money Podcast, Facebook and Instagram

In this episode of the Better Presentations More Sales podcast Trevor challenges you to share your expertise, to offer advice and tips for free as a way of raising your profile and building trust in your personal brand.Last week I was at a business event in Penzance where the guest speaker was Pete Matthew of MeaningfulMoney.TV - Pete is a financial advisor who started recording advice videos in 2011 before launching a podcast which has over 5 million downloads. Pete was a mentor and inspiration for me launching this podcast. Pete's message at the event centred around giving your expertise, advice and tips away for free via videos or podcasts or articles. That inspired this episode.So here are 4 ways you can share your expertise and raise your profile. When you go networking take a top tip that will be helpful to other attendees and she it before you talk about yourself. Post a top tip everyday for a week on LinkedIn. Do it in a 60-90 second video. You can easily shoot that via the Linked In app on your phone. Take the 5 tips and turn them into a LinkedIn article and post them the following week.Offer to be a speaker at networking and other business events. Offer 10-15 minutes of useful tips and ideas - could be the same 5 tips from your videosOffer to be a guest on a relevant podcast - again sharing those 5 tipsAll very easy to do. You just need to commit to making it happen. It will be worth it. Especially if you repeat the sequence each month. If you have a top business tip for 2022 why not share it on this podcast. Record your tip in 60-90 seconds - use the memo app on your phone and then email it to podcast@trevorleemedia.co.uk. The listener top tips episode will go out mid -December

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In this episode Gary is with Pete Matthew. He is a Chartered and Certified Financial Planner and Managing Director of Jacksons Wealth Management in Penzance, Cornwall. Jacksons has been serving the financial planning needs of local families and businesses since 1923, surely making it one of the longest-established private financial advice companies in the UK. He is an award-winning podcaster and video blogger and his passion is to spread the word that anyone can take control of their personal finances. From motivation to mindset, personal branding to perseverance, you will learn tried and tested ways to generate leads, increase your sales and build a strong lifestyle business. Gary Das takes you on an entrepreneurial journey of education, inspiration, and motivation to help you become a Pro of your industry! What Is Covered In Today's Episode Of The Financial Pro Podcast: The difference between planning and advice Reinforcing the importance of protection  Importance of good financial management How to protect your wealth against disaster Why should you document your journey Visit Financial PRO website www.financial-pro.com Follow Gary Das on Facebook and Instagram Connect with Pete Matthew https://www.instagram.com/pete_matthew https://www.linkedin.com/in/petematthew/  Pete Matthew's Recommend Books  The Support Economy - Shoshana Zuboff    Ego Is the Enemy by Ryan Holiday The Meaningful Money Handbook By Pete Matthew

Pete is a Chartered Financial Planner, a Certified Financial Planner, and Managing Director of Jacksons Wealth Management in Penzance, UK. He's also a very content husband and father of two wonderful children. After reading 'Crush It 'by one of his internet heroes Gary Vaynerchuk, he realised that he could use the internet and social networking to get an important message across. Pete's mission is to convey his belief that Financial Planning is simple for the vast majority of people. And that it is possible for anyone to achieve their goals. Pete tells Mike how he got into financial planning by accident and how he started his podcast "Meaningful Money" as a hobby. Combining his love for explaining with his geeky technological side, his podcast kept growing. Now he has over 5 million downloads and taught tons of people how to build wealth.

This week on The Property Podcast we're battling with Dave Ramsey on mortgages  If you've not heard of Dave Ramsey before he's a huge financial personality across the pond, and he believes that you should NEVER use a mortgage.  And if you've been listening to The Property Podcast for a while now, you'll know that Rob & Rob probably have a fair few things to say about this.  So, in this episode The Robs explain why Dave Ramsey is completely wrong and how leverage is an investor's super weapon.  In the news  This week's news article is an interesting one as it claims that the stamp duty holiday had no effect on the current market frenzy.  Think-tank has suggested that the stamp duty holiday impact has been overstated, but what do Rob & Rob think?  Hub Extra   We're back with another triple whammy of resources for you to soak up this week.   The first one is The Meaningful Money podcast which covers all aspects of money and personal finance. It's definitely worth a listen as Pete Matthew breaks down everything you need to know in everyday language.  We've mentioned this one before, but only because we swear by it and that's the Rich Dad Poor Dad book. Robert Kiyosaki talks all things good debt vs. bad debt, so don't just take our word for it and give this one a read.  If one book isn't enough, then make sure you give The Millionaire Fastlane a read. It's a cheesy title, and a bit of a cheesy book but it's essential if you want to understand the concept of building your wealth and creating more money for yourself.  And if you're looking for the Turn £100,000 into £1 million YouTube video Rob & Rob mentioned, you can find it here.   Let's get social   We'd love to hear what you think of this week's Property Podcast over on Facebook, Twitter or Instagram. You might even have a topic you'd like us to cover in the future - if so, pop us a message on social and we'll see what we can do.  Make sure you've liked and subscribed to our YouTube channel where we upload new content every week!   If that wasn't enough, you can also join our friendly property community on the Property Hub forum.  See omnystudio.com/listener for privacy information.

In today's episode we talk career change and money management. Some people feel trapped in careers because they don't feel they will be able to survive if they have to take a pay cut. There is so much to consider. Personal money expert, Pete Matthew, talks us through how to look after our money during a career change. Pete's website: www.meaningfulmoney.tv Pete's book: The Meaningful Money Handbook Pete's podcast: Meaningful Money Podcast hosted by Career Change Coach, Crystal Debrah-Ekolie from voraicoach.com Instagram: @voraicoach Free Career Clarity guide: voraicoach.com Youtube channel: Vorai Career Coach --- Send in a voice message: https://anchor.fm/candtpodcast/message

Welcome to Episode 2 Series 3 of You Heard It Here First. As usual we've packed this episode with some cracking recommendations from the truly iconic to lost princesses. Whether you want to improve your money management, enjoy some fiction, learn about queer history, hear about poetry, or get lost in another time, we've got it all!In this series we share lots of our recommendations, but we also want to hear from you! Tell us about your favourite audiobook and be featured on the show – just email YHIHF@audible.co.uk. Send us a voice note or type it out, whichever you prefer!Follow and chat to us on Instagram and Twitter @YHIHFpod Here are our recommendations from this episode:Atomic Habits by James Clear https://www.audible.co.uk/pd/Atomic-Habits-Audiobook/1473565421Tan France's Queer Icons https://www.audible.co.uk/pd/Tan-Frances-Queer-Icons-Audiobook/B095Z5J8V8The Dream Weavers by Barbara Erskine https://www.audible.co.uk/pd/The-Dream-Weavers-Audiobook/0008195900The Meaningful Money Handbook by Pete Matthew https://www.audible.co.uk/pd/The-Meaningful-Money-Handbook-Audiobook/B07JZR47RROne Last Stop by Casey McQuiston https://www.audible.co.uk/pd/One-Last-Stop-Audiobook/1250803187Reputation by Lex Croucher https://www.audible.co.uk/pd/Reputation-Audiobook/1838774130John Cooper Clarke's Audible Session https://www.audible.co.uk/pd/John-Cooper-Clarke-Audiobook/B08LWWRMMTI Wanna Be Yours by John Cooper Clarke https://www.audible.co.uk/pd/I-Wanna-Be-Yours-Audiobook/1509896147Run and Hide by Alan McDermott https://www.audible.co.uk/pd/Run-and-Hide-Audiobook/B07FCR7DSQ See acast.com/privacy for privacy and opt-out information.

PFS Power Podcast - Episode 13 - Pete Matthew by Personal Finance Society

I am so happy to have one of my heroes on the podcast Pete Matthew of Meaningfulmoney Out topic is financial education for children in a world of plastic and digital payments. We talk about our own education about money from our parents, and the language we use around money with children and as adults

In this episode of the Maven Money Personal Finance Podcast… Andy chats to fellow-podcaster Pete Matthew about some of the unintended consequences of the Attitude to Risk questionnaire presented to clients.   Links:    Humans Under Management   Andy Hart   Leave a review!     Don't forget to check out the Maven Adviser website for more great content.   So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK's premier personal finance show.   Is there a topic you'd like Andy to cover? We'd love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser. 

If you are a fan of money-related podcasts or video blogs, you may know of this week's guest already – it's none other than Pete Matthew. From flipping burgers in McDonalds to becoming Managing Director of Jackson's Wealth Management, Pete followed a fairly classic career path. Until he started messing around with a video camera.  Knowing that the work he was doing with his clients at Jackson Wealth Management wasn't making the impact on the universe that he wanted to make, Pete sat on the beach talking to his camera and posted the video on YouTube.   A decade later, he is now host of the award-winning podcast Meaningful Money – a podcast dedicated to helping anyone get their finances in order. With the success of the podcast and YouTube channel, Pete has set up an online academy – The Meaningful Academy – which teaches you everything you need to, and should, know about money. Pete joins me today to discuss what motivates him to run Meaningful Money, and why he believes everyone is capable of investing. We also delve into his recent retirement planning series, discussing why retirement planning is so important and the steps everyone should take when thinking about their retirement.

It's not ever day that you get to launch your 200th episode - so who better to help us mark this event than Pete Matthew! Pete has been at the vanguard of personal finance podcasting and sharing of deep insights for many years now - and was an inspiration to Informed Decisions.  We trusted Pete to take over the show - and it'll be fairly obvious to you dear listener that we should probably ask him to stay!! Thanks for your continued listenership, support and for being part of the journey. Join me on the next leg of the journey, as we aim to drive even more value for listeners, and make a very meaningful difference to some charities over the next 200 episodes! That journey starts next week so join the Informed Decisions Podcast Tribe today. Paddy Delaney - Informed Decisions Check out Pete's show if you haven't already - it's great! Meaningful Money Podcast

This week I'm joined by Pete Matthew, a financial advisor and the host of the UK finance podcast Meaningful Money. We talk about the concept of paying yourself first, as well as when you should - and when you shouldn't - get financial advice. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING Meaningful Money https://meaningfulmoney.tv/ Pete's episode on finding a financial advisor https://meaningfulmoney.tv/2013/03/25/mmp008-how-to-find-a-financial-adviser-podcast/ Andy's deals of the week https://becleverwithyourcash.com/category/vouchers-deals/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Moneybloggers 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. Then at the end of each week stay tuned for a bonus “deals of the week” rundown of the hottest offers from the last seven days. Andy also runs the award-winning website Be Clever With Your Cash, presents 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 

This is one of the best lessons in investing you will get! Molly Benjamin and Lisa Conway-Hughes are joined by Pete Matthew from the Meaningful Money Podcast who breaks down the world of investing and how to get started. Pete shares his basics rules on investing that he believes anyone can achieve! Confused about starting, then take a listen. Join our Facebook Group here:          https://www.facebook.com/groups/shesonthemoney/ 

•His career to date and the growth of meaningful money •How he bought into his existing company •How he handles prospects from Meaningful Money •How he manages his time despite running two businesses •His thought on pulling Financial Planning into 2016 •His experience of the CFP accreditation

Pete Matthew is a legend. There's a good chance that you've heard his story before. After reading the book Crush It by Gary Vaynerchuk, Pete realised that he could use the internet and social networking to get a very important message across. A Chartered Financial Planner and Managing Director of Jacksons Wealth Management in Penzance, Pete is the driving force behind the movement that is Meaningful Money. What started as basic personal finance explainer videos, shot with a cheap video camera on the beaches of Cornwall, has grown into a massively popular audio podcast with more than 3.2 million downloads to date. In this conversation, I wanted to take Pete a little off the well-worn path and ask him some slightly different questions about Financial Planner content marketing and how we can all get started, right now. Here's my conversation with Pete Matthew in season two, episode five of the Financial Planner Marketing Playbook.  

#027 - Pete Matthew of Meaningful Money gives us the lowdown on how to manage your money and prepare yourself financially for a change of career.For the show notes for this episode, visit:https://changeworklife.com/27Also, make sure to join the Change Work Life Facebook group and check out all the resources mentioned by our guests on the Change Work Life Resources page.

Pete Matthew is a chartered financial planner in th UK. He's Managing Director of Jacksons Wealth Management and a titan in the podcast space - hosting Meaningful Money - a podcast, and education platform, to help 'make sense of your money'. This is an awesome episode - one of our favourite interviews recently, because we verge into the personal finance space. One of the important aspects of beginning your investing journey is to ensure you get your money right first. This involves having a strategy and a mindset, and sticking to it. Pete talks us through some of the strategies that he encourages his clients to use, to build wealth over a long period of time - using passive, multi-asset investments. We also touch on: The main pillars of a portfolio you would establish for a 22 year old to add to over time The FIRE movement Using leverage as a millennial Reinvesting income Goal setting, and using stocks to achieve them Common biases that people should avoid We asked the Equity Mates community for questions for Pete, and have asked them throughout the interview. Want more? Subscribe to Equity Mates Investing Podcast, social media channels, Thought Starters mailing list and more here. Equity Mates is a part of the Diamantina Media Network – the home of Australia’s favourite podcasts. For more information, visit http://diamantina.com.au/

This week, I have got a very special guest, someone that was at our financial services brand accelerator conference, they actually stepped onto the broker Q&A panel at the last minute. I've never actually met this guy in person until the event and just casually asked him as you do, but the weird thing about kind of social media and people that do video content on social media is you kind of feel like you know them a bit already from their content. And we do actually talk about that a bit. Now, one of the weird things about people like this is they would be an incredible client for us as an agency, but I'll never pitch to them and I didn't think I would ever have to because I didn't They'll need to because they're generating leads themselves already.They've kind of got a clear vision of what their businesses is who they are, who their customer is. They're creating content and they're generating leads already. Hopefully they'll only ever need marketing support when they want to sort of grow and expand. So they get the next step for them would be maybe if they wanted to hire another advisor is try som Facebook and Google ads.So this is if you haven't guessed already, it's Thomas honour.At our event, he said something along the lines of “I've only been doing video for a couple of months, but I'm getting getting a steady flow of leads already.” So it can be done. I want you to hear it from the horse's mouth. See for yourself what he’s doing just follow him on social and follow people like Ash Borland and Jim Smyth. Amanda Marsden, Jonathan Warren, Pete Matthew as well.

Pete Matthew is a 21-year veteran financial planner, based in Penzance in the far southwest of the UK. In 2010, he began shooting a series of short videos explaining how money works in simple everyday language. This hobby became Meaningful Money, which is now UK’s biggest independent personal finance podcast with over 3 million downloads, a YouTube channel, a book deal and an online Academy teaching people how to beat debt and build wealth. Pete is also the Managing Director of Jackson's Wealth Management, which can trace its roots back nearly 100 years in Penzance. He’s married and has two daughters age 19 and 16. And a Jack Russell Terrier called Maisie.   “We should be intentional with our finances because nothing good happens by mistake. Anything good takes work and intention” Pete Matthew   Worst investment ever Zero financial training Pete grew up in a home where money was an absolute taboo subject. His parents, like many others of their time, didn’t know how to talk to him about money. So he grew up with zero financial training. And thus he never knew how to engage with money, well not until he met his fiancé. Learning how to manage personal finances with his tail between his legs Pete came to learn how to manage his finances in the most embarrassing way. One weekend, he was heading for a weekend getaway with his fiancé, and his brother and his wife. During the car ride, they were talking about paying for the weekend. Pete was filled with fear because he had zero money. He was worse than zero. He had overdrawn his overdraft. He had no choice but to admit to his fiancé that he had no money and there was no way that he would be able to pay for the weekend. The embarrassing part was that they were driving in her car that she had saved for because she had all the financial discipline that he didn't. Right there and then Pete had a life-defining moment where he thought he might lose his fiancé over this because how could she marry such a mess? He had student loans, but no degree to show for it and an overdraft with the bank. Fortunately, she stuck with him and she paid for the weekend, and he eventually paid her back. Money lessons from his fiancé His fiancé and that vulnerable moment taught him a great deal about how to manage personal finances as well as day-to-day expenditures. He realized that his worst investment ever was a complete lack of investment in his ability to cope with day-to-day finances. Lessons learned Don’t self-sabotage yourself When it comes to financial planning we are our own worst enemies. Many times we tell ourselves incredible lies that lead to self-sabotage. We tell ourselves that we can’t do anything about the financial mess we are in and we believe it. So instead of learning about personal finances, we continue being passive about it. Don’t let bills surprise you Practice automatic bills payment with a two account approach. It's very simple. You get paid into one account and process all your bills from that account every month through direct debit or standing order. This ensures that you never get surprised by a bill. Andrew’s takeaways Stop self-sabotaging yourself Most people hate finance, and that’s ok but, don’t keep saying that to yourself because if you do it will cause self-sabotage. Take a moment, stop and let that go. Find a way to start loving finance. Personal finance doesn't have to be complicated and overwhelming Learning about finances and managing your money can be very simple these days compared to a few years back. So go out and learn how to do it and start doing it. Actionable advice Educate yourself, learn about personal finances and don't accept ignorance. The financial services industry may make it look so complicated that you think you need an expert to train you. But take it from an expert, anybody can do it on their own. Personal financial planning comes down to three things. One, spend less than you earn. This is the bedrock of it all. Two, insure against disaster because there are some things you can't control. Three, invest wisely. It doesn't need to be complicated. So find a way that works for you and do it a step at a time. No. 1 goal for the next 12 months Pete’s number one my goal for the next 12 months is to lose some weight. This has been a bit of a perennial goal for him but he now feels like he is in a good place for that. He intends to practice the same discipline he applies in his financial planning to achieve this goal. Parting words   “Stay strong, stay the course, it's worth it. Get other people involved, learn from others. Don't be a lone wolf.” Pete Matthew   Andrew’s books How to Start Building Your Wealth Investing in the Stock Market My Worst Investment Ever 9 Valuation Mistakes and How to Avoid Them Transform Your Business with Dr. Deming’s 14 Points Andrew’s online programs Valuation Master Class Women Building Wealth The Build Your Wealth Membership Group Become a Great Presenter and Increase Your Influence Transform Your Business with Dr. Deming’s 14 Points Connect with Pete Matthew LinkedIn Twitter Facebook Instagram YouTube Website Connect with Andrew Stotz astotz.com LinkedIn Facebook Instagram Twitter YouTube My Worst Investment Ever Podcast Further reading mentioned Pete Mathew (2018), The Meaningful Money Handbook: Everything you need to KNOW and everything you need to DO to secure your financial future  

Humans Under Management is an international conference focussed on better client outcomes for financial advisers.     This is a talk from one of our previous events. For more information on upcoming conferences visit: humansundermanagement.com

In this episode of the Maven Money Personal Finance Podcast… Andy is joined by friend and giant of the industry, Pete Matthew. Together they discuss how to avoid the mess of your own making...   Quick Preview of the Podcast:   Combatting your own tendencies and biases Strategic thinking and the benefits of advice Managing your time and assets A few of Andy's famous rants!   Links:    Humans Under Management   Andy Hart   Leave a review!     Don't forget to check out the Maven Adviser website for more great content.   So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK’s premier personal finance show.   Is there a topic you’d like Andy to cover? We’d love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser.   

Introducing Pete Matthew Today's guest joining us on the show is a man who needs no introduction. Not if you are in the world of saving money, investing wisely and making the most of you cash. In fact he was first on the show back a couple of years ago, beaming in from his mansion in Cornwall. He is a Financial Planner, Podcaster, Video Blogger, Social Media Trainer. Managing Director of Jacksons Wealth Management. Best of all can teach us how to take control of our cash in ways that simply are life changing. As he says “I am a Certified Financial Planner and Chartered Financial Planner providing fee-based holistic financial planning advice in Penzance, West Cornwall. I am also an award-winning podcaster, and video blogger. My passion is to spread the word that anyone can take control of their personal finances. I am fulfilling this passion via my financial education website and podcast, Meaningful Money. Through video, podcasting and social media I am reaching thousands of people every week with my simple financial planning message. How The Dots Joined Up For Pete  I set out to provide simple, accessible financial planning information to the masses, and decided that video might be a good way to do this, and through trial and error, built a site full of basic instructional video. Through my work with this site, I was awarded IFALife's Social Media Financial Adviser of the Year award 2010. I also won the Professional Adviser Financial Education award in both 2011 and 2012. I also received the Scottish Widows award for Industry Innovation in 2014, and was named UK Podcast of the Year in 2015. And now he is bringing all that information into one place, to make it easier than ever to get out of debt and increase their personal wealth with the Meaningful Academy. Split into three parts Financial Foundations being built first, then Building Worth, and Enjoying Your Money coming soon. So are there quick and painless things we can do to get our finances in control? And with the effort it takes to build a platform like he has, does he ever come close to burnout and content indecision? Well let's find out with the one and only money messiah, the financial freedom fighter, the debt destroyer the one and only Pete Matthew. Show Highlights During the show we discussed such weighty subjects with Pete Matthew such as: Why Financial Independence is a choice, and something that should be learnt from a very early age. How the haters can always get through to you, but you have to realise that its a badge of honour for them to contact you. How the damage to our mental health referenced in the book "Digital Minimalism: On Living Better with Less Technology" is something that we have to bring into family life. And lastly...... Pete talks openly about the assistance he gets to make firm decisions to Meaningful Money, which perhaps he wouldn't be able to see otherwise How To Connect With Pete Matthew Website Facebook Linkedin Twitter Return To The Top Of Pete Matthew If you enjoyed this episode with Pete Matthew, why not check out other inspirational chat with Clayton Morris, Dorie Clark, and the amazing Niall Doherty You can also check our extensive podcast archive by clicking here – enjoy Audio Transcription Of The Pete Matthew Interview Intro 0:00 When we're young, we have an amazing positive outlook about how great life is going to be. But somewhere along the line we forget to dream and end up settling. Join Up Dots features amazing people who refuse to give up and chose to go after their dreams. This is your blueprint for greatness. So here's your host live from the back of his garden in the UK, David Ralph. David Ralph 0:24 Yes. Good morning, my young friends. Thank you so much for being here on another episode of Join Up Dots. Yeah, do you need another episode? Of course you do. And today's one is one I actually woke up in a little bit excited because this man is is he's a mentor to me and he should be a mentor to every one of us out there from the UK to America to Bora Bora to anywhere that has money issues. Now he is a guest joining us on the show and we literally he needs no introduction. Not if you're in the world of saving money investing wisely and making the most of your cash. fact he was on the show back a couple of years ago, beaming in from his mansion in Cornwall now. He's a financial planner, a podcast or a video blogger, social media trainer, and managing director of Jackson's wealth management and best of all, he can teach us how to take control of our cash in ways that simplify and are quite simply life changing. As he says I'm a certified financial planner and Chartered Financial Planner providing fee based holistic financial planning advice in Penzance West combo. I'm also I don't like this bit, an award winning podcast. I've never won anything. I've never even won a bloody swimming badge, but he's got an award and he's a video blogger to now his passion is to spread the word that anyone can take control of their personal finances. I'm fulfilling this passion by my Financial Education website and podcast meaningful money through video podcasting and social media and reaching thousands of people every week with my simple financial planning message. I set out to provide simple accessible financial planning information to the masses, and decided that video might be a good way to do this and through trial and error, built a site or a basic instructional video. Now through my work with this site, I was also awarded IFA is a life social media financial advisor of the Year award in 2010. I also wonder professional advisor financial education ward in both 2011 and 2012. And if that's not enough, he also received the Scottish widows award for industry innovation in 2014. And was also named UK podcast of the Year in 2013. Right and now he's bringing all that information into one place and make it easier than ever to get out of debt and increase their personal wealth with the meaningful Academy split into three parts financial foundations being built first, when building worth and enjoying your money coming soon. So quick and painless things we can do to get our finances control. And with the effort it takes to build a platform like yours. Does he ever come close to burn out and content indecision? Well, let's find out with the one and only the money Messiah, the financial freedom fighter, but debt destroyer, the one and only Martin Lewis no I mean, Pete Matthew Pete Matthew 3:23 What an intro. Nobody does intros lucky, my friend. Nobody does intros like you. Great to be here. David. You're David Ralph 3:29 right. It is lovely. It's lovely. And can I ask Pete Matthew, can I ask you you saw my nipples earlier? And I'm worth it looking good for a man of my age. Pete Matthew 3:40 Yeah, I saw him for a brief second because my retinas dissolved. And now they were looking good. My friend for a man, you're, I do David Ralph 3:48 apologise. It's very hot in the United Kingdom at the moment. And as podcasters we can't afford things like air conditioning and fans, we have to just go through the pain barrier to bring it to you don't. Pete Matthew 4:00 Yeah, we showed there. It's boiling in here is all I'm in the shorts and a T shirt very seriously thinking about taking the T shirt off. So it's good job. It's audio only. This is not a mansion, by the way. I'm talking to you from a cupboard. But you know, David Ralph 4:12 Yeah, I know. But I've seen I've seen where you live. I've been I've been going into sort of financial advisors net worth and your your album. Now the thing I remember you being on the show last time, and it is stuck with me. And it's funny, every podcast episode doesn't stay with me. Unless every now and again, something hits home. And for some reason, and I remember you saying that you went to a financial conference. And as she was pulling up, you saw all these financial advisors with their BMW, Mercedes. And you were thinking, well, that's not very good. You're taking a loan out perfect. How are you providing good financial advice? And that was kind of the starting point to it. Oh, do you look back at those days and think, you know, well, things have moved on. And people are really reclaiming their financial control over people still making the same bizarre things by getting out car loans and stuff where quite simply they can't afford it. Pete Matthew 5:07 A lot of people are still doing that, I do think there is a beginning of a ground swell to taking control of finances, just as there has been an increasing sort of focus on taking better care of our health through eating and exercise and things like that. And if you compare it to where we were in, you know, like 1985, or 1990, or something, you know, you see the kids these days coming out of college, and they're all ripped, right? Because all boys are spending time in the gym stuff. And the girls, you know, they're all looking a lot better than I did when I was 1617. And so I think there is a bit removed towards that. And I think that is now beginning to happen with the with the area of financial sense, financial management as well, which I'm very encouraged by a large part of that is due to what's often called the fire movement, financial independence movement, which is massive in the US really starting to ignite over here too. So I'm excited by it's extremely positive, I think for the future. David Ralph 6:06 Because I had a guy on the show recently, choose f5 choose financial independence, and he was a lovely guest. And at the beginning, I said to him, yeah, I'm financially independent. He said, Well, that's brilliant, good on you. And as we started talking, I thought, Oh, I'm not financially independent at all. Because I actually still have to work for a living, I have to do things. Is that something that we should be aware of? But literally, we do have that opportunity to be purely financially independent by buying pieces of land or renting out properties? Or is it all about as we talk about passive income online businesses, training courses and stuff? Pete Matthew 6:44 Well, I think is probably a bit of all sorts, it's certainly more complex than it than it most people might think it would be. I'm actually, as it happens about four hours from now interviewing Brad and Johnson from choose f5. Myself, David Ralph 6:58 how are you connected? That Pete Matthew 7:02 that's because you introduced me to them for which I'm very grateful, sir. So I'm looking forward to that those guys are prime movers over there, along with like, Mr. Money moustache, in that whole area, essentially, financial dependence is really about choice, you work out of choice rather than necessity. So passive income, the whole Smart Passive income, Pat Flynn, all that sort of stuff that I mean, certainly Pat Flynn would never suggest that it isn't still work, you know, even passive income requires some upkeep. Yeah. But really, for me, the definition of financial independence is not having to work because either you have other income streams, or you have sufficient capital from which to draw to sustain your day to day lifestyle. So there's a whole load of nuance to it. And there's a million ways you can provide either that passive income or you can amass the capital that you need. So as ever these things as a detail underneath the headlines right? David Ralph 7:56 Now, I am not a financial guy, I kind of control I've got to two for now, really. But for the wider sense. I wasn't an opportunity monkey picking the day I used to go to work. And then they'd give me the money. I didn't even query that I would sorting out the right tax. It was just what I got and away away. Since I've become entrepreneurial, it's a different ballgame. And you know, I'm always got a spreadsheet where I'm moving 20% here and 20% there, and I'm keeping base and I'm keeping but do you think that literally people should be trained how to manage their money before they go to work? It should be a prime part, because I think Martin lewis is very big on getting kids to understand that they've got the financial control before anybody is making money, do what you want with it. Pete Matthew 8:48 I for sure. And I think the sweet spot for doing that is sort of tertiary education. So after GCSE, you know, with we have to stay in some kind of full time education now whether it's sort of a you know, college vocational stuff or a levels or whatever. And I think there ought to be a mandatory element of basic money management at that point, because even then, you could argue that the banks have already got the got their claws into us. I don't know about you, David. But I was a Gryphon saver, right. So I was a Midland Bank, customer, Dean, I had the blue binder, and all the sort of the action file, it was called all the cool stuff that you wanted to have as a kid. And of course, I still bank with first direct, which is a subsidiary of HSBC, which bought middle and bank so I've been with that bank now for 30 years, because they nabbed me when I was a teenager. And we need to help kids understand that this is a market and they need to shop around, and not just sort of drift into whatever financial arrangements they end up in. But ultimately, managing money isn't difficult. It's it's about understanding a few basics well enough, so that you can avoid the pitfalls, things like, you know, easy day. We need to understand basic day to day money management, we call it budgeting now, word that anybody likes to talk about. But it's really, really important. And it doesn't need to be involved. It doesn't need to be challenging and difficult. It just needs to be put in early enough. So I mean, I have zero financial education from either school, college, all my parents, but I've made sure I've made the difference with my own kids. But of course, a lot of kids don't get that at home. So I would love to see some kind of mandatory, even if it's like one half term focused weekly lessons that every 16 to 18 year old goes through. I just think that would potentially transform the country Transform, transform the economy, because it would reduce our dependence on debt, and just put us in better financial shape as as a country. David Ralph 10:46 Now I remember back in the day, my first bank was not West and I actually worked for NatWest birth for 10 years, and fixed Well, it was the pigs Yeah, it was Woody, Annabel Maxwell, Lady Hillary and send the fan your Yeah, they came up. David of pigs. And I think woody was the hard one to get. He was the one with the bow tie at the end. But it used to encourage kids to save to get this set. But as soon as I left my employment with NatWest, I said, why I'm leaving much thank you my bank account. I don't want people to know how much I'm earning. Of course, I didn't care anyway. And so I think I've been with every single bank. And one of the things that I reference him again, because he is very prevalent in the United Kingdom. But Martin Lewis, who was the financial guy over here, always says, ditch and switch, you know, move around. I'm interested why you've stayed for 30 years with the same bank then? Pete Matthew 11:37 Because they've Well, they served me very well, for the most part up until about three or four years ago, I had basically everything with them. I do have, you know, my mortgage is now with centre there now. And you know, but prior to that my mortgage, so first, all right. And the reason I ditched them in the end was exactly what you're talking about. They have no loyalty to me, ultimately. Because I rang them because we were moving house, and I needed to borrow less money than I already had on my mortgage over a shorter term, right. So less risk, one would argue for first year at the bank, I spent a half an hour on the phone with them. And I think I needed to borrow some, like 200 grand. And at the end of the thing, this girl said, Well, I'm pleased to tell you, Mr. Matthew, that we're prepared to lend you 115 or something. And I'm like, What? So is that on top of what I already said, No, no, that's the total. So I said, that's the less than I need, despite the fact that you know, I've been born or borrow with you for years. And you can see what I earn. It's plenty, you know, and but the reason this they gave for it was, well, you have all these existing commitments, I said, they are savings and insurance, right. So I'm increasing my, you know, my wealth, my net worth, and my security by paying those monthly commitments is, but they're a commitment, like, No, I'm not. I've just turned them off. No, no, no, no, that didn't work like that. Then it was just a classic computer says no moment. And so that annoyed me. So I went to see a broker, which I should have done way before that and got much better deal in half the time for Santander, I think. So. You know, inertia is always the main reason. For me, a bank is just a commodity, I just don't care about it. As long as it does what I need to do, it's fine. I don't have any issues with what they know about me. I just figured that's that's the way it is. But when it comes to investments and stuff like that, then I'm far more likely to shop around because then it comes down to charges and things like that. David Ralph 13:29 So let's take it into the reason why we've got you on here. Because if you've been over to Pete Matthew site over the last few years, and you can sort of track it back. And I like to do that being a Do you ever use wayback machine? Yes, Gary in it. It's scary. Yes. And I was I was teaching somebody the other day how to build a business. And he was saying, Yeah, but my website looks a bit crap. I say you think you're as good as crap ever look at this. And I was showing him the very first evidence of Join Up Dots. Now I like to go back and I was looking at yours and yours was as it any of them. Now you've had a new one bill. It's really sexy. And what I like about it, and this is why I want people to jump over to your site is there's a sensible hierarchy of information. And there's so much information in there. But it's easy to find. Was that difficult to get set up? Were you sort of looking at it thinking, Oh, my God, I've got so much here six years, seven years of material, how to be sensible for people. Pete Matthew 14:27 Yeah, nearly 20 years. Well, I did it I did an exercise about three years ago. So up until this last iteration, I've always done my website myself, I'm a bit of a nerd. I like to mess around with software and tools and things like that. And I just built it with WordPress picked a theme spent time tweaking it relaunched occasionally. But when I did that, three years ago, I went through every single piece of content, there's now over 750 posts on the website, went through every single one and re categorise them. And I re categorise them into one of four categories. I've now I've seen split them just into three, which are getting started building wealth and enjoying your money, really the main three life stages, financial life stages, if you like. So having done that work, believe me, my web designer, this time that goes at Jeremy digital, they were very grateful that I done that because it made life a lot easier for them to build what we call the Learning Centre. And so it's front and centre there at the top in the in the menu, you can either go straight to podcast, video or articles, but then you go straight, go straight into the Learning Centre, the search thing works like lightning, but you can easily go to whatever your life stages and there's some sort of initial places to start if you're in that live stage. So I kind of did the heartbreak three years ago, but I'm not continually building on it. But if those three main life stages are the core of what I do, people should be able to find what they need fairly quickly. David Ralph 15:49 Well, they do. And I think it's one of the nicest sites I've seen. And I'm not just saying that because you're here. But it's, it's friendly money. And certainly lot of the financial organisations out there, I would say it's boring money, I look at it, and I can't be bothered, just shoot me, you know, but I go over there. And it's like, it's like uncle P is smiling at me. He just seems friendly. There's a picture of him sitting in the betting shop. He's making the next on there, and everything he's happy in his world. Pete Matthew 16:23 Yeah, well, I've got to give credit to to Martin and Lindsey at Jeremy digital, they hope you don't mind me giving them some No, you go for it. They they are experts, I think in building sites with calls to action, where it's really clear what you would want a site visitor to do. And that's either to In my case, I either want them to help themselves, right. That's the whole point. I mean, for money to equip people to make decisions. I frequently say the most people don't need to see a financial advisor until they are in the run into retirement, everybody can benefit from seeing an advisor. But not you don't need to really, if it's about building wealth, there's just a few things you need to do consistently. But when you get to that transitional point into financial independence, there is a whole load of choices facing you there. And it's an unbelievably complex world, a professional advisor can help you there. So I wanted to give people the information they needed to be able to do it themselves, or to get in touch with me to work with my regulated financial planning practice, which as you kind of said earlier on is Jackson's wealth management. meaningful monies become this beast, it started very much as a hobby, a little bit of a gift to the world. I just love messing around with video cameras and editing software and stuff. And it's become an incredible marketing engine. Turns out I was doing something called content marketing week before that phrase was even coined it. And so it's been a real journey. I I feel supremely blessed and bemused by old, but really, it comes down to consistency. Just I mean, you wrote the book on this there. And you know, it's just doing it week after week, after week, day after day after day. And you know, the better. It's come in, both to me, professionally and personally. And financially, of course, but, you know, I get emails every day from people telling me how they've changed their own financial situation. And that's ultimately why I do it. David Ralph 18:11 Well, you will get an email from me because I'm going to say this to you. But I've never said this to you personally. And we talked quite a lot. But I actually, I'm very competitive against you, I look at you, and I look you in the charts. And I think, right, okay, I've got to get higher than him, okay, I use you as the benchmark of what can be done. Because what I love about you, and so many people come across to me, and they will hear me say this. And I say, David, David, you do a podcast? Should I do a podcast? And more often than not, I say, No, don't do a podcast, unless you've got a business. If you've got a business, Ben put a podcast on it. Because it's great way for keeping people on your website longer. Building your personal brand, building the loyalty. Now, where I struggled at the beginning was mine was a podcast. And so I had to kind of grow the audience and Ben growth percent of it so that it started to become a sort of money making machine. And it literally killed me. Now with yourself. You're juggling two things. You This is you but you've also you know, like Batman and Bruce Wayne, you got you got two identities? Which one is taking control? Which one is actually the more the one that you want to be known as? Is it Batman or Bruce Wayne? Pete Matthew 19:27 We're going to assign let's do, let's say Batman has meaning for money, right? Well, that's definitely you mean for money as well as partners to do I'm convinced to that. But I love my day job. I'm very fortunate that I am in business with my due to best mates in the world. So we have a blast working together. We challenge each other. And it's great. So I'm very aware how lucky I am from that school. And I love seeing clients, right, we've got clients that we look after three or four generations of a family. And we Jackson's been around since 1974. So you know, we've got very long relationships, I don't want to just say, you know, Thanks for the memories and go off into the sunset and do me for money, permanently full time. So I am working to get Jackson's to the place where in the not too distant future. I am literally just seeing clients for maybe a day and a half a week and the rest of my time is spot on to meaningful money. Now I am Fridays where we're talking right now we're talking on Friday is meaningful money day for me. So I shut the door, turn the phone off, don't answer Jackson's emails, the staff Don't disturb me all sorts shoot them. And I just record I write, create stuff. And it's been a godsend. And actually, it's my colleague chairs, my co director who became aware that I my focus wasn't really on point, I was neither here nor there. Yeah, I'd be so distracted with me for money stuff while I needed and getting behind on Jackson stuff and vice versa. So he said a lot for God's sake, just do a day a week a demarcate the lines. So my job now is to try and, you know, make the balance between the two a little bit more balance. So this three days Jackson's to dating for money, and then maybe the reverse. So David Ralph 21:00 how do you come up with your your content, because we've Join Up Dots quite? It sounds like I'm making it up as I go along. And quite frankly, I do. I wrote up here, I have one line of an idea. And I turn on the microphone, I start talking and he just comes out to me. And then 30 minutes later I edit it and he's done boom on there. But I still had that. What should I talk about? What should I talk about today, you know, you are actually having to research and make it sensible, because you know, it's not just being flippant and throw away and hope inspiring and motivating your match. You know, you're an adult Pete Matthew, as I say, I'm poopy, you gotta trust uncle Pete Matthew, Pete Matthew 21:40 I got to be careful as well, because I'm in a regulated world. So I could potentially get in trouble. If I say the wrong thing. Now, it's not difficult to stay the right side of those lines, if you know where the lines are. But I do have to be careful. And I'm in all of the fact that you can have basically a one line idea and then achieve what you achieve consistent suddenly, every time you record because I script mine is just the way I think. And it's important, I think, for people to understand that either works, you know, so I do zero editing, essentially, because I've pre scripted. I read my podcasts, but I've taught myself to do so in a way that it didn't sound like it. And, you know, that's just the way I construct my thoughts. It helps me to be concise. But I mean, you asked, How do you think of stuff to talk about? Or how do you sort of flesh it out? One of the benefits of maintaining my day to day Client Access? You know, the work that I do one on one with clients is that they're asking me questions all the time, and I'm forever writing them down. Right? Okay, I can answer that on the podcast that will be added into the next season. And for me, shifting to a seasons format has been transformational actually. So I'm in between, I've just finished season 14, I'm doing a few weeks of in between episodes now. And I'm starting to plan and write season 15. And that's worked really well. But it means that right, I'm going to deal with this subject at length over maybe nine or 10 weeks even. And sit down and write it and I mean, I can really, you know, get into some detail. And the audience just loving it the least that's what they're telling me. So it's working well for me, you just got to find out what works for you. And you? David Ralph 23:11 Well, it does. And you know, I scroll up and down your ratings and reviews on iTunes. And if no one's listened to the meaningful money podcast, jump over there and leave him a rating and review not that he needs them. He's got 16 in the United Kingdom. But this is one of the ones that I I'm going to reference and I hope you don't mind me referencing this bear in mind that you were saying, you've got to be careful what you say. And this was, it said offensive content of a really meaningful money offensive. And I found a recent episode genuinely offensive when Pete Matthew stated he wanted to take a baseball bat. And Steve some heads in after referring to some financial advisors as alpha males and dicks. Mr. Pete Matthew, is it did you do look back on that episode and go actually that was me being my natural self and you'd stepped over? Or do you look at that and go No, actually, I mean that and you can't please everyone all the time. I was mad, Pete Matthew 24:10 and not crazy mad. But I was really hacked off. And two colleagues of mine, I wasn't able to go this particular conference, but it was right in the middle of probably the biggest scandal in my world for a very long time were some lifelong steel workers in October and South Wales had basically been appallingly advised. And robbed of a lifetime pension savings. Essentially, they don't they were advised to transfer out of the perfectly good final salary scheme, move into personal pensions with massive numbers, in some cases, seven figure funds, which sounds great. But with horrendous fees being taken by the advisors, terrible commissions, just I mean, just appalling. And I could not believe that in 2017, that could still happen. You know, that's the sort of stuff that happened in the end, right in the shiny suited white, light coloured shoe wearing advisors world were a lot more professional. Now the regu

Today I'm talking to a very impressive individual, Pete Matthew. Pete has combined his professional expertise with, in his words, "a nerdy hobby", and turned it into something that has become a monster! Pete is a 21-year veteran financial planner and Managing Director of Jacksons Wealth Management in Penzance, where he and his team focus on one simple goal... To help his clients make sense of money. But while his expertise in financial planning is impressive, as a marketing geek I personally can't help but be inspired slightly more by the fact that on top of this, Pete is also an award-winning podcaster and video blogger. When you listen to Pete, you'll start to understand why he has more clients asking to work with him than he can deal with, as he's built a thriving Client Catching Ecosystem that is an amazing example of what can happen when you commit to building your own.  On this episode: How a “fat guy in Penzance” created a marketing monster. Don't let your fear of tech stop you from taking action. Why answering client questions in your marketing is the fastest path to building trust. Progress is more important than perfection, so just start! Why blocking time to dedicate to marketing your business is the best investment you can make. The biggest influences on Pete that guided him to his success (and kept him going when things got tough…) Why Pete hasn't had to “sell” in years, yet remains fully booked. And much more! Resources Mentioned In This Episode: Meaningful Money Pete's Podcast Jacksons Wealth Management Exclusive Listener Only Bonuses! Make sure you grab your listener goodies by visiting... The Client Catching Podcast Listener Gift Page You'll get exclusive trainings and my best resources all in once place where I dive deep on the marketing strategy that gets OTHERS to grow your business for you… AND the system that powers it to remove you from up to 90% of your marketing and sales process, instantly boost your authority, while at the same time increasing the quality of leads, appointments and clients that you attract and catch… All without spending a penny on advertising or adding more hours to your week! >> Click here to "Hook" your listener bonuses today

In this episode of the podcast I am joined by Pete Matthew, a 21 year veteran financial planner, managing director of Jackson’s Wealth Management, podcaster (Meaningful Money) and author of The Meaningful Money Handbook. Pete and I really dig deep into the basics of financial intentions. One of the things Pete is really focused on is being intentional with money, which is something I also talk about a lot here and within my community. Pete and I talk about; How to move from intention to action Pete’s 3 steps to financial success Being intentional about your foundations Core and satellite approach to investing Resources: Book in a complimentary call to discuss how financial coaching can help you move from financial overwhelm to confidence and control.  Join Catherine's Facebook Page and FREE Facebook Group My Website  My Online Courses - From Spender to Saver, Investing for beginners from £1 My YouTube Channel  Connect with me on Twitter, Instagram and Facebook  Listen to Pete's podcast - Meaningful Money Follow Pete on Twitter Dave Ramsey - 7 Baby Steps to Financial Freedom Podcasts Pat Flynn’s Smart Passive Income Michael Hyatt’s Lead to Win Books Gary Vaynerchuk - Crush It! Gary Vaynerchuk - Crushing It! Pete's book - The Meaningful Money Handbook: Everything you need to KNOW and everything you need to DO to secure your financial future

In which Nick regales The Dear Listener with the qualities other asset classes (cash, gold and property) have compared to equities.   In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about:   Fascinating factoids featuring the fine figure 49; Appearing on Pete Matthew’s “Meaningful Money” podcast; Avoiding Game of Throne spoilers!   LINKS: "The Case for Dividend Growth: Investing in a Post-Crisis World" by David Bahnsen.   Pete Matthew's "Meaningful Money" podcast series   ==========   Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email.   CLICK HERE TO LEAVE A FIVE STAR REVIEW ON iTUNES - OR ELSE.   @HatTipNick   info@v2vfp.co.uk   www.v2vfp.co.uk

This week on the podcast I welcome Chris Huskins. He’s just released a new book and this book is The Definitive Guide to podcasting, ever. Probably. Now if you remember back to Episode One, I interviewed, Pete Matthew. Now he has a podcast and he is a financial planner. He’s oversubscribed, people are on a waiting list to work with him. And a lot of this is because of the audience he’s built up from doing his podcast. So there’s no reason why you can’t create your own. My podcast is in its infancy, but I’ve had loads of benefits from it. I built up quite a big audience very quickly. And I get to engage and speak to people about the podcast, it helps with marketing, our business as well. It’s a bit like being an author being a podcast host so I highly recommend it for anyone. They say that if you go the extra mile, it’s not crowded there, and I know a lot of financial services industries are very crowded. It’s hard to differentiate. And it is all about building relationships and trust and you can talk one on one to a number of different people via podcast, and just let people know your expertise and experience, and they can get to know you before they start doing business with you. So we talk about how with podcasting, there’s a lot less competition in the podcast market than there are with YouTube channels and blogs. So Chris pulled out some stats there are 600k active podcasts, which sounds like a lot. And there’s probably a lot less in your area of expertise. If you compare that with how many blogs, there are 500 million, and just under 500 million YouTube channels as well. The great thing about a podcast is people can multitask if you’re listening to this episode of the podcast, it’s likely you’ll be doing something else as well, whether it’s doing some admin whether you’re driving, whether you’re at the gym. Whereas if you’re doing video content people have to focus purely on that. There’s more engagement with a podcast. Chris has some stats here as well that people are listening to podcast for over 80% of the episode, whereas the engagement on video, especially on Facebook is much, much less. Chris says, probably the most important chapter the most important bit of advice is knowing what the mission of your podcast is, what is your podcast trying to do, how are you trying to help people. Another great piece of advice is that although you’re talking to a potentially big audience, if you imagine you’re just talking to one person. People never kind of sit down in a group to listen to a podcast, people listen to it on their own, so try to imagine your ideal customer; people call it an avatar. So if you think that the microphone is that person and talk to that one person, you’ll find it a lot easier to create your content and you’ll find people will enjoy it more. So you can make a podcast with your smartphone. It’s really easy to record, edit, produce and publish your podcast just using equipment, you’ve got already, so you don’t need to splash out, and your audience don’t need to pay to listen so it’s really accessible for you to create and for your audience to listen. And Chris talks about how it’s really easy to distribute your podcast everywhere. If you get a really good podcast host that once you’ve published it on there they can distribute it to Spotify, iTunes everywhere. Because there’s more Android phones in there are Apple ones, believe it or not. So just being on iTunes is not enough. So hope you enjoy this episode. I’ve got links to Chris’s website and Chris’s book. I also talked about my event that’s coming up but Gary data also has an event coming up in May, as well. Chris’ website: https://chrishuskins.com/ Chris’ book: https://www.amazon.co.uk/most-comprehensive-guide-podcasting-probably/dp/1798863219/

Exclusive Interview with the owner of meaningful money Pete Matthew which was a Facebook live in the exclusive mortgage pro academy group. He is the Founder of Meaningful Money as well as a Chartered Financial Planner, a Certified Financial Planner (CFP) and Managing Director of Jacksons Wealth Management in Penzance, UK. He has over 290 Podcast Episodes, over 2 million podcast downloads, Over 355 videos and Over 250,000 video views. Pete believes It IS possible for anyone to achieve their goals, whether financial or otherwise, by following some basic rules. What is covered: His early years and journey to where he is now. How he started content marketing and creating. How he creates and markets his content. How he manages his time. How he niched his business. Why everyone should know about financial planning. Financial Success. His tips to doing podcasts and video. Books mentioned: Gary V – Crush It - https://www.amazon.co.uk/Crush-Time-Cash-Your-Passion/dp/0062295020/ref= Ryan Holiday – Ego is the Enemy - https://www.amazon.co.uk/Ego-Enemy-Master-Greatest-Opponent/dp/1781257027/ref= Ryan Holiday – The Obstacle is the way - https://www.amazon.co.uk/Obstacle-Way-Ancient-Adversity-Advantage/dp/1781251495/ref= Channels Join the Mortgage Pro Free Group Subscribe to me on YouTube Visit me on Facebook Connect with me on LinkedIn Follow me on Instagram   Tweet me on Twitter

The Financial Freedom Course You Have Been Asking For Is Now LiveDo you have a "Financial Freedom Course ?" is what people seem to be asking us at Join Up Dots day after day.For many years we didn't, as hey, we were busy living the financial freedom that other people were wanting in their lives.Do you want to sit behind a computer telling people how to get the lifestyle that they want, or instead actually be living that lifestyle?Really there is no answer to that one is there people!So, little by little, we started to get what they wanted together, and also little by little we have realised that what they wanted is not actually what they should get.We will make it clear believe us, as it can all get a little bit complicated unless you start thinking about actually what financial freedom really is.BOOK HERE: Free Live Financial Freedom Masterclass Every MonthWhat Do People Actually Want From A Financial Freedom Course?If you had asked us this a few years back we would have said "Duh...financial freedom.....it's obvious"But actually people aren't wanting this at it's simplest terms, they are actually wanting the "stress free life that comes from not being worried about money"That is a BIG DIFFERENCE for sure, as it's how they are feeling which is the driver to change their spending habits and make life easier to live.I'll give you an example.If i said to you (and I won't be doing this) I will give you a million pounds per year to do nothing, just sit around watching Netflix, having the odd beer, would you go for it?Yeah of course you would as you would instantly think "Brilliant I don't have to do anything, anymore".....the money doesn't really come into the equation does it?You instantly think of the outcome and that is a lovely, lazy, stress-free life doing what you want.So many people out there create a Financial Freedom Course and forget this element.They don't consider that people want to take control of their life once more.They want to reduce the headaches, and stresses that life is bringing them.They don't actually want the money then want what the money gives them.What Do We Teach In Our Financial Freedom Course?This is where things start to get granular, and we go deep within your current lifestyle to find the survival point.That point in your life when you are getting just enough money to keep the lights on.Your food is paid, your bills are paid, and your existence is guaranteed.We aren't talking about a few pints down the pub once a week, or a romantic meal for two at your favourite restaurant.This is bare-bones time, but the most important part of creating your own, wonderful, financial freedom.Putting a figure on the money bridge that you have to travel, to start living the life you want.Do you know how much money you need each month to the precise figure? I promise you that you don't.You will after joining the Join Up Dots Financial Freedom Course, and then we will show you how to replace that cash with other peoples money.When The Course Gets Truly Sexy...And That Is The Mindset SwitchDo you know when our Financial Freedom Course really starts to blow your mind?When your mindset changes and you realise that the world is full of money.Literally coming out of every orifice, so you never have to think "Where do i get the money from?" you just think...........Someone has the money, let them pay for this thing for me instead.That is so important that it's worth going over again.You never ever have to worry about money again, you only have to think about how to get someone else's :)Within the course we will ram this simple logic into you with every ounce of strength that we possess as it is the life changer.You wanted a stress free life and this is the key to it all.Of course the second part of this puzzle is actually how to start creating those income creating streams in your life.From idea to fruition and beyond its all in the course.BOOK HERE: Free Live Masterclass Every MonthLearn The Easy Way To Create Financial Freedom In Your LifeBONUS: Our Favourite Financial Freedom Podcast To Help You On Your WayJust before we go, if this has whetted your appetite to start changing direction and live the life you want then we have to recommend some addition listening.Our favour UK podcaster, Pete Matthew does an amazing job with his super successful podcast The Meaningful Money Podcast available on iTunes and other directories.He shares great advice for getting yourself financially fit, all in a very down to earth, practical style.The one thing he doesn't do is show you how to create additional income like we do, but hey nobody is perfect after all.Click on the image and enjoy the marvellous and sexy tones of the one and only Mr Pete Matthew you will love it.

In today’s episode we talk career change and money management. Some people feel trapped in careers because they don’t feel they will be able to survive if they have to take a pay cut. There is so much to consider. Personal money expert, Pete Matthew, talks us through how to look after our money during a career change.  Pete’s website: www.meaningfulmoney.tv Pete’s book: The Meaningful Money Handbook Pete’s podcast: Meaningful Money My instagram:@theydonttellyou

Pete Matthew the host of the meaningful money podcast is booked up for three months in advance and does not need to market his business or advertise. Pete's built a whole lot of trust through content marketing so I quiz him on all the elements and discuss how anyone can do this. https://meaningfulmoney.tv/ Pete's Book: https://meaningfulmoney.tv/book/

This shorter-than-usual season has been about me chatting with some mates about how they have built successful businesses online. It occurred to me while going through that you. May enjoy hearing what my answers to the questions might be. I've used largely the same questions throughout the season, so I've had time to think of my answers!

We have a special guest interview in this episode - the legend of financial planning and all round good egg, Pete Matthew. In the interview Pete talks to Chris about his new book The Meaningful Money Handbook. They explore being intentional in your approach to money, top budgeting tips and how to spend your money meaningfully. With great #tightasstommo money saving tips we have an action packed episode for you to enjoy.

It was an honor to spend some time chatting with Pete Matthew. Pete is the host of the Meaningful Money podcast, video series, and a new book called the Meaningful Money Handbook. His show was the inspiration for mine, and in our conversation, we talk about tax advantaged savings vehicles in the UK and the US, and some time-honored money strategies that work no matter where you are in the world. Plus, Pete has a great accent! Learn more about Pete at Meaningfulmoney.tv    Questions? Tweet me @15MinuteFA  

It has to be said that this is one of the easiest guests I have had to speak to on this show. We talk about the lack of financial education afforded to young people and some of the key aspects of approaching the markets with a level head. If you know me and trust me you need to take my advice and listen to this show. See acast.com/privacy for privacy and opt-out information.

I’ve said it once, and I’ll say it again…every youpreneur should have their personal brand running side-by-side their main business structure. Why, you might ask? Well, when you shift your focus and concentrate on putting more fuel into your personal brand, it builds trust. Trust in you. Trust in your brand. And, perhaps more importantly, trust in your business. But the real question I want to dig into and explore in more detail is one I get asked time and time again…how much does your personal brand really influence the overall success of your business. This has been a hot topic over recent years and so I wanted to really get into it with my guest on this podcast episode, Pete Matthew from Meaningful Money (https://meaningfulmoney.tv) . We talk all about his journey and how he’s used his personal brand to grow his business, further his professional career and realise his dream of becoming a published author. It’s a fantastic conversation filled with one value bomb after the other. So, grab a notebook and hold onto your hats, it’s a wild ride! Essential Learning Points From This Episode: Understand that it doesn’t have to cost an arm and a leg to get your message out, you can do it for free The importance of continually putting yourself in situations where you can learn new things and actually take action based on what you’ve learned By 2020, over 80% of all content online will be in video format, which means now is the time to start leveraging the power of video to build a profitable business Don’t give up on podcasting. It’s the one medium that’s likely to keep growing and gaining momentum If you want more clients, you’ve got to put yourself “out there” consistently and don’t be afraid to share more of yourself online When recording a podcast episode, remember that you’ve got to give listeners a reason to visit your website Injecting your personality into your content helps to increase likeability and trust in your business Understanding that when you produce so much content for so long, it really helps to distill and refine your thoughts on the subject Much, much more! [bctt tweet="If you want more clients, you’ve got to put yourself “out there” consistently and don’t be afraid to share more of yourself online. #Youpreneur" via="no"] Important Links & Mentions From this Episode: Pete’s Meaningful Money podcast (https://meaningfulmoney.tv)   Pete’s NEW book, The Meaningful Money Handbook  (https://www.amazon.co.uk/gp/product/0061914177) (https://www.youtube.com/user/chrisducker/videos) Rise of the Youpreneur (http://riseoftheyoupreneur.com/) Personal Branding Roadmap (https://chrisducker.lpages.co/branding-ebook/) Sign-up for the FREE Youpreneur Launchpad Training Course Join the Youpreneur Community and Build Your Business FAST! (https://www.youpreneur.com) Thank You for Tuning In! There are a lot of podcasts you could be tuning into today, but you chose mine, and

Pete Matthew from the Meaningful Money Podcast joins Rob & Rob again this week as we delve into some personal finance questions relating to property investment. Penny from Orpington wants to know how she can use her pension to buy property. It's a question that crops up many times and this week, Pete shares his wisdom on whether this is possible or not. Can she invest in residential property or should Penny consider putting her money into commercial property? Also, Pete shares some advice on SIPPs, PAIFs and REITs - and if you don't know what these are, make sure you tune into this weeks Ask Rob & Rob with Pete to find out more. Our second question this week comes from Rich in Romford. Rich owns seven properties and has dreams of leaving his job and live comfortably off the rental income from them. He wants to know how much he should be earning for him to quit his job when he's currently bringing in around £2,000 per month before tax. As Pete has told us previously, cashflow underpins everything - money in versus money out. There's some great advice for Rich this week as Pete talks him through short term debt, contingency plans and the importance of having a ‘cushion' for those unexpected things that crop up. We recommend tuning in to hear more. And if you'd like to hear more from Pete, you can head on over to his podcast or purchase his book by clicking here. This book contains everything you need to know about personal finance with no confusing fluff - just honest and super-practical advice to help you take control of your money. Hit the listen button to hear this weeks invaluable advice from Rob & Rob… and Pete. Do you have a property investment related question for Rob & Rob? You could feature on our next episode. All you need to do is call 013 808 00035 and leave 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 our community of like-minded people discussing all things property? Head over and join the conversation over in the Property Hub forum. Whether you're new to property investment or have decades of experience under your belt, the forum is loaded with helpful insights on all things property related. Head on over and introduce yourself. See omnystudio.com/listener for privacy information.

In this episode I'm joined by legendary personal finance podcaster Pete Matthew. Pete's written his first book, it's called The Meaningful Money Handbook. Rather than read out an author bio, I wanted to share a testimonial for the book written by Andy Hart, host of the Maven Money Podcast. Andy said: "Pete has shared more financial wisdom with more people than anyone I know. He is not only a credit to our mighty profession, he’s a credit to humanity. He’s on a selfless pursuit to assist those who are willing to take ownership of their financial futures. Money is invisible and financial success is about working on future problems. Pete brings these subjects to life and caringly tells you what you need to know and more importantly what you need to do. This book is long overdue; it deserves to be a bestseller." And I've no doubt it will become a bestseller. The book is out today, Monday 17th September, and we're publishing this episode to coincide with the publication. I've read it, it really is very good indeed. So good that my testimonial is on the front cover. In The Meaningful Money Handbook, Pete guides you through everything you need to KNOW and everything you need to DO to build a secure financial future for yourself and your family. He takes readers through three simple steps: 1. Spend less than you earn and clear debt. 2. Insure against disaster. 3. Build up your savings and invest wisely. No matter your starting position, or your existing level of comfort with dealing with your money, Pete's calm, straightforward and jargon-free approach will appeal to you and help you to set out on the right path. You can find the show notes for this episode, along with some useful links, at icradio.co.uk/355. Please take a moment to say thank you to Pete on Twitter, and wish him every success with his new new book; you can find him @petematthew. Here’s my conversation with Pete Matthew, host of the Meaningful Money Podcast and author of The Meaningful Money Handbook, in episode 355 of Informed Choice Radio.

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. This week, Damien talks to special guest and fellow podcast host Pete Matthew about his new book 'The Meaningful Money Handbook'. Check out Pete's book here 80-20 Investor - Click here to find out more about Damien's 80 20 Investor service. The One Giant Leap Podcast - Click to check it out MTTM Investment Calculator - The best investment calculator on the web

We have a treat for you today. It's not just Ask Rob & Rob. It's Ask Rob & Rob and Pete. Pete Matthew from the Meaningful Money Podcast joins us today and answers your personal finance questions relating to property investment. First up we have Lynsey from Brighton who is getting confused with the finances relating to her investment property. Should she use spreadsheets, apps or something else to make the whole process less overwhelming? Pete is right on the money with the advice he gives. Mastering the art of budgeting, particularly with investment property, can often be a challenge. Hopefully his advice today will send Lynsey on her way to having her property income streamlined and her feeling more in control. In another property related question, Tim from Cardiff has two investment properties - one in his name and the other he purchased via a limited company. We all know insurance can be a minefield, but what insurance do landlords actually need? Pete talks us through the three main events: early death, critical illness and being unable to work. With some sound advice from Pete and our very own Rob & Rob, this podcast covers the need-to-know information for both new and experienced property investors. Protection is key. Hit the listen button to hear this weeks invaluable advice from Rob & Rob… and Pete. And if you'd like to hear more from Pete, head on over to the Meaningful Money Podcast or go to petesbook.com If you have your own question about investment property you'd like answering, you just need to call 013 808 00035 and leave 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. In the meantime, if you're interested in learning more about investing in buy to let property from like-minded people, join the conversation over in the Property Hub forum. It's full of people just like you, hungry for more property investment information, so head on over and introduce yourself. See omnystudio.com/listener for privacy information.

This week we are taking a closer look at the fabled '4% Rule' relating to drawing-down on investment or retirement pots. This particular 'rule' gets plenty of airtime in the US, UK and many other countries but from my own experience very few investors, pension holders here in Ireland seem to have heard of (and indeed even many advisors!). Let's try fix that! We are not going to challenge this 4% Rule today, merely we'll determine what it is, how it is relevant and how to go about figuring out what it might suggest for you. Welcome back to Ireland's only dedicated and straight-talking personal finance blog/podcast. We are on a mission to tell the truth about money and are so thoroughly enjoying the journey! It is always great to hear from listeners so if you have any suggestions or ideas for us to explore please do send me an email here. As an aside, this week I got to meet a bit of a hero of mine. I travelled over to Penzance in Cornwall and spent a good few hours trying to learn as much as I could from the one and only Pete Matthew who has been creating really engaging personal finance information via video, blogs and podcasts for 5 years now. Such a pro, it was great to meet him. Check out the magic here! Thanks, Paddy Delaney QFA | RPA | APA | Qualified Coach

Even financial advisers need financial advice sometimes, as our special podcast case study proves.

Pete Matthew- Pete Matthew: I am a Certified Financial Planner and Chartered Financial Planner providing fee-based holistic financial planning advice in Penzance, West Cornwall. I am also an award-winning podcaster and video blogger. My passion is to spread the word that anyone can take control of their personal finances. I am fulfilling this passion via my financial education website and podcast, MeaningfulMoney. Through video, podcasting and social media, I am reaching thousands of people every week with my simple financial planning message   Listen to another #12minconvo 

How to focus resources on things that are important to you Explore working with people who are confident in managing their own money The importance of ongoing learning Adding value with behavioural finance education   @PeteMatthew

This is Part Two of a two part special rewind this week, looking back at some of my favourite podcast interviews of 2017. On Monday in Part One, I shared clips from eight of the interviews we published between January and June this year. We shared conversations with Dan Hannan, Canna Campbell, Malene Rydahl, Tasneem Clarke, Kate Raworth, Pete Matthew, Erin Lowry and Danielle Marchant. In part two today, the best bits from interviews published between July and December.

In this episode of the Maven Money Personal Finance Podcast… Andy is joined by podcast royalty... Pete Matthew of Meaningful Money.   Quick Preview of the Podcast: Andy and Pete discuss what they have learned from podcasting. With great wealth comes great responsibility... The three key things most people should be doing when it comes to financial planning. The importance of practicing what you preach!    Links:   The Meaningful Money Podcast   Don't forget to check out the Maven Adviser website for more great content.   So sit back and enjoy unrivalled words of wisdom from Andy Hart - host of the UK’s premier personal finance show.   Is there a topic you’d like Andy to cover? We’d love to hear from you! Contact Andy Hart directly with any comments / feedback on team@mavenadviser.com. Alternatively you can reach out on Twitter @MavenAdviser.     

Pete Matthew on building client trust through consistent audio and video content - MAF150 This is a milestone edition, and my guest is Pete Matthew. He’s an expert financial planner, a prolific content marketer and fellow podcaster. We talk about how answering questions with video and audio content gives him a constant stream of clients for his business. Welcome to episode 150 of the Marketing and Finance Podcast.  We chat about: How he started answering finance questions with a video camera on the beach in Penzance Building the Meaningful Money Podcast into a finance show that’s popular world wide How the podcast generates a constant stream of clients for his business, Jackson’s Wealth Pete’s role as a financial planner and a financial educator His top tips for professionals looking to start putting together content Who is Pete Matthew? Pete’s a Certified Financial Planner and Chartered Financial Planner providing fee-based holistic financial planning advice in Penzance, West Cornwall. He’s also an award-winning podcaster and video blogger. His passion is to spread the word that anyone can take control of their personal finances. He’s fulfilling this passion via his financial education website and podcast, MeaningfulMoney. Through video, podcasting and social media he’s reaching thousands of people every week with his simple financial planning message. Links and Show Notes. For links to the books and apps mentioned by Pete, please visit http://rogeredwards.co.uk/MAF for the show notes. What is the Marketing and Finance (MAF) Podcast? The podcast for ideas and inspiration on marketing your business and growing your business, and for discussing topics on all things finance. I’m Roger Edwards, a marketing guy and keynote speaker from Edinburgh helping you keep your marketing strategy simple and the BS at bay. The MAF Podcast is a 30 minute radio show you download from http://rogeredwards.co.uk/MAF, iTunes or Stitcher Radio. Each week you'll hear interviews with business experts, marketers, entrepreneurs and journalists. Interviews to listen to in the car, on the train or on the treadmill. Or even in the bath! We talk about: How you can grow your business using content marketing and social media How you can keep your Marketing strategy and communications simple Topics, issues, products and business models from the world of finance You’ll take away one or two big ideas that you can apply to your business. So you can keep marketing your business to keep growing your business. Please subscribe to the Podcast on iTunes and I’d be grateful if you would leave a review. http://rogeredwards.co.uk/itunes Fancy Appearing on the Show? Would you be interested in appearing on the MAF Podcast? Have you an exciting marketing or finance story to tell? Do you fancy drawing out some inspirational ideas that MAF listeners can take away to use in their own businesses? Do please contact me if you want to get involved. http://rogeredwards.co.uk

Martin chats to Pete Matthew from Meaningful Money about building client trust before you've even met them! Pete Matthew is a Chartered and Certified Financial Planner, and Managing Director of Jacksons Wealth Management in Penzance. He started MeaningfulMoney.tv as a hobby in 2010, and has since created over 300 videos and over 200 podcast episodes. The podcast is a top ten UK business podcast, and is downloaded 50,000 times each month. MeaningfulMoney is now a major source of new business for Jacksons Wealth - the hobby has become a monster! He's married to Joanne, with two teenage daughters and a Jack Russell called Maisy. Wednesday 11:40 - 12:10 Bridging the trust gap - Using your website to win clients before they walk in your door In this session, Pete will share what he has learned from seven years of being active online with MeaningfulMoney, and what you can do to replicate and accelerate the results he has achieved. Learning objectives The very specific fears that prospects have when they approach us, and how to overcome them with an authentic web presence The elements that every website must have How to stand out from the crowd when all adviser websites look the same (including examples of good practice) How to use your website to answer your prospects' questions Why you should give away everything you know for free Some immediate steps you can take to improve your web presence in less than 30 minutes

Personal Finance Expert Pete Matthew Shows Us How To Sort Out The Money My guest today, on the Steve Jobs inspired Join Up Dots free podcast interview is a man who quite frankly I should have invited onto the show years ago. He has been on my radar for awhile, but for some reason or not has not been given the opportunity to join up  his dots. He is a man who has blended so many vitally important skills being used in the online world today into a rocking and rolling business. He is a Financial Planner, Podcaster, Video Blogger, Social Media Trainer. Managing Director of Jacksons Wealth Management, and best of all can teach us how to take control of our cash in ways that simply are life changing. As he says "I am a Certified Financial Planner and Chartered Financial Planner providing fee-based holistic financial planning advice in Penzance, West Cornwall. I am also an award-winning podcaster and video blogger. My passion is to spread the word that anyone can take control of their personal finances. I am fulfilling this passion via my financial education website and podcast, MeaningfulMoney. Through video, podcasting and social media I am reaching thousands of people every week with my simple financial planning message I set out to provide simple, accessible financial planning information to the masses, and decided that video might be a good way to do this, and through trial and error, built a site full of basic instructional video. Through my work with this site, I was awarded IFALife's Social Media Financial Adviser of the Year award 2010 and I won the Professional Adviser Financial Education award in both 2011 and 2012. I also received the Scottish Widows award for Industry Innovation in 2014, and was named UK Podcast of the Year in 2015. This is great stuff, and will of course make a great episode. So what made him continue through the trial and error stages of video content creation, when most people would have said "I'll just do what I am already doing...its easier?" And where do people go wrong with their money issues? Not looking after the money they already have, or being unaware of what is available to them out there in the big wide world? Well let's find out as we bring onto the show to start joining up dots, with the one and only Mr Pete Matthew. Show Highlights During the show we discussed such weighty topics with Peter Matthew such as: How he started with the concept of his podcast as simply something to do as he fancied it.....and little by little has turned it into a monster. Why so many people can start a podcast, but in fact so many podcasters should actually be stopped from doing it and the reasons why. Pete shares how he managed to find the right business partners to hep him scale the business, and why he blended friends and business (which so many people are frightened off). and lastly…. We share the top three steps for getting your accounting system in place when you start creating a new business. And they are not as hard as they might seem at all.  

In part one of our interview with Chartered Financial Planner and fellow podcaster Pete Matthew, we discuss everything millennial should be doing to build their wealth in order to live their desired lifestyle. We discuss everything from student loans, pensions, investing, buying your first home and whether avocado toast and coffee are really to blame for keeping us broke! References Available at: http://www.powerfulnonsense.com/180 

In part one of our interview with Chartered Financial Planner and fellow podcaster Pete Matthew, we discuss everything millennial should be doing to build their wealth in order to live their desired lifestyle. We discuss everything from student loans, pensions, investing, buying your first home and whether avocado toast and coffee are really to blame for keeping us broke! References Available At: http://www.powerfulnonsense.com/179 

Pete Matthew, financial planner and creator of the Meaningful Money podcast, joins Martin on Festival Radio today to talk about how he got started as a prolific content creator, what visitors to The Festival of Financial Planning can expect from his session, and the first single he bought. Meaningful Money: https://meaningfulmoney.tv/ Follow Pete on Twitter: https://twitter.com/petematthew Find out more at www.pfsfestival.org/explore/festival-radio.

This week on the show, as we celebrate the milestone of 250 podcast episodes, I answer questions from some past guests. A big thank you to Iona Bain, Pete Matthew, James Wallman, Jon 'JB' Beckett and Kelly Eroglu for sharing their questions. Thank you also to Richard Hanson, an Informed Choice Radio listener who I bumped into last weekend and asked to record a question for the share! Most importantly, thank you for listening and continuing to support Informed Choice Radio. With 250 episodes under our belt, we are very close now to 100,000 total downloads, a milestone we hope to reach in the next week or so. There are some big plans for this podcast in the future and I can't wait to bring you the next 250 episodes. Personal finance news -Around 200,000 staff working in UK higher education face big changes to the future pension entitlement with the deficit of the sector's main pension scheme soaring to £12.6bn. Despite achieving a positive rate of investment returns in the past year and adding £10.2bn to its assets, the Universities Superannuation Scheme has also experienced rising liabilities. -Bank of England governor Mark Carney has warned that uncertainty over Brexit is already weighing on the economy. His comments as the Bank voted six to two to maintain low interest rates and cut its economic growth forecasts. -Delays to state pensions have resulted in more than one million women in their early 60s being worse off financially. The Institute for Fiscal Studies found that women aged 60 to 62 were £32 a week worse off on average. -Elderly people in the UK face a shortage of 30,000 care home beds by the end of next year. The research commissioned by BBC Radio 4's You and Yours programme found the ageing population could result in a shortfall of 70,000 care home beds in nine years' time. -Pay for chief executives has fallen during the past year. FTSE 100 bosses earn an average of £4.5m a year, down from £5.4m a year in 2015. An average full-time worker in the UK would take 160 years to earn the same amount, based on an average salary of £28,000 a year. Get answers to your personal finance questions Do you have a personal finance or investing question for Martin? Email martin@icfp.co.uk or ask on Twitter @martinbamford. You can call our dedicated podcast voicemail line on 020 8144 2745 with your question or visit www.icradio.co.uk/voicemail to leave an online voice message.

Click Here to Download Brad's Exclusive Step by Step Process on How to Podcast   In this episode I talk with Pete Matthew, who is a Chartered Financial Planner, a Certified Financial Planner and Managing Director of Jacksons Wealth Management from across the pond in Penzance, UK. Besides his day job, he also happens to host a top 5 business podcast in the UK with just under 1 Million episodes downloaded and has really cracked the code when it comes to podcasting. For those of you who have considered podcasting or are on the radio, you are going to love this conversation!   Here are a just a few highlights: We get into how Pete has transformed his podcast into a marketing funnel that currently drives over 25% of his business and generates 4-5 new prospects a week - make sure you don’t miss the story of Pete’s first podcasting client as it speaks to the power and reach of the medium. Then we dig in on how technology is breaking down the geographical boundaries for marketing and how Pete believes virtual appointments are 95% as effective as face to face. Next we dig into Pete’s 3 step framework for creating engaging content for his show. The great news is that it works just as well on radio. From there we spend some time on the problem with jargon in the financial services industry, the simple framework you can use to overcome it, and why it’s so important for creating a greater connection with your clients and prospects. Finally, don’t miss the secret Pete uses to engage with his audience to generate reviews for his show. It's super easy and powerful! ''As an industry, we make financial planning more complex than it needs to be.'' - Pete Matthew SHOW NOTES: [00:03:10] Discover the power of podcasting and the incredible benefit of being able to connect with influential people from around the world. [00:06:00] Find out how his passion for teaching and lessons from Gary Vaynerchuk's book “Crush It!” led to an inspiring 7 year digital journey that's helping people understand money and succeed financially. [13:23] How has podcasting become Pete's biggest source for client referrals and securing new business? [15:29] The step-by-step framework Pete uses to turn podcast listeners into qualified leads and why his clients love virtual meetings. [17:19] Why you no longer have to chase new business... Learn how “Attraction Marketing” is changing the game. You'll have prospects banging on the virtual doors begging to work with you!   [21:49] How asset managers and advisors can break free from the traditional “this is my territory” mindset and land high-flying clients who love the convenience of a virtual relationship.   [00:28:33] Find out how technology and virtual transactions have changed the internal processes at Pete’s firm. [00:30:09] How financial advisors can transition from traditional radio to the world of podcasting and the critical factors to creating great content that speaks to your audience. [36:38] The 3 simple keys to financial planning and why great financial advisors should never worry about being boxed out by technology. [00:41:03] Why are so few financial advisors joining the podcast movement? Find out why it's never been easier, learn to overcome your fear for compliance, and discover Pete's top tips for podcasting success. [53:33] The importance of eliminating financial jargon and simplifying complex terms for your clients. [59:10] Planning on starting a podcast? Don’t miss Pete’s best practices for generating ratings and reviews and creating social proof with your audience.   [01:05:59] What things does Pete hope are looked at as being absurd 25 years from now. [01:07:19] Find out why Pat Flynn is the first person Pete thinks of when he hears the word successful. [01:08:19] The one book Pete thinks everyone in the financial services industry should read. [01:11:52] A simple, yet effective piece of advice anyone can implement to be successful. ''Care passionately about those who consume your content and you'll be just fine.'' - Pete Matthew SELECTED LINKS FROM THE EPISODE Connect with Pete Matthew Facebook | Twitter | YouTube | LinkedIn Meaningful Money Jackson’s Wealth Management NextGen Planners Crush It! by Gary Vaynerchuk XY Planning Nucleus Platform by Michael Hyatt Known by Mark Schaefer The Support Economy Smart Passive Income The Advisor Century PEOPLE MENTIONED IN THE EPISODE Gary Vaynerchuk Adam Carolan Michael Kitces Jeff Rose Michael Hyatt Pat Flynn Mark Schaefer Dan Sullivan   Disclaimer  This program is provided for informational purposes only. Please keep in mind that not all insurance carriers allow "business through the mail" and there may be registration requirements and limitations for virtual investment advisory services. Producers are ultimately responsible for the use or implementation of strategies and concepts discussed and should be aware of the compliance requirements of any broker-dealer or Registered Investment Advisor with which they may be affiliated, the insurance carriers they represent, federal regulations and state insurance and securities regulations. Investment advisors are strongly encouraged to obtain pre-approval from the broker-dealer and/or Registered Investment Advisor with which they may be affiliated prior to implementing this practice. Results from the use of the concepts and strategies shared by Peter Matthew are no guarantee of your future success. The information and opinions contained herein are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Advisors Excel. Alan Moore is not affiliated with or sponsored by Advisors Excel.

Welcome to the second of five special episodes of Informed Choice Radio as we celebrate Financial Planning Week 2017. If you’re one of the millions of people in the UK who could do with improving their overall financial “fitness”, Financial Planning Week is especially for you. It’s a consumer awareness campaign which helps you take some simple steps to kick start your future. This year’s campaign is taking place from 8th to 12th May 2017, right across the UK. The Financial Planning Week campaign aims to raise awareness of how important financial planning is to your life. It’s not just for people who have never thought about their finances, it’s for everyone, whatever your situation. Putting some simple financial plans in place and making some smart decisions to help achieve your goals and dreams in life is the first step towards really taking control of your life and gaining valuable peace of mind. In this episode of the podcast, on day two of Financial Planning Week 2017, I’m joined by my friend and fellow Financial Planner Pete Matthew.   Useful links -The Automatic Millionaire -Enough?: How Much Money Do You Need For The Rest of Your Life? -Meaningful Money -Pete on Twitter Get answers to your personal finance questions Do you have a personal finance or investing question for Martin? Email martin@icfp.co.uk or ask on Twitter @martinbamford. You can call our dedicated podcast voicemail line on 020 8144 2745 with your question or visit www.icradio.co.uk/voicemail to leave an online voice message.

Damien Fahy from MoneytotheMasses.com discusses how anyone can find their passion and build their dream life. Damien turned a simple idea into one of the UK's leading personal finance sites (MoneytotheMasses.com) offering financial guidance to over 1.5 million people a year without spending a penny. The hardest part of the journey was taking the One Giant Leap of following his passion and quitting his day job. It was the best decision he ever made and the site is now a successful business. The aim of the One Giant Leap podcast is to inspire everyone to achieve a life of freedom, happiness and wealth. He interviews other ‘everyday’ people who have followed their dreams and transformed their lives and those of the people around them. You will find out how they did it, the lessons they've learnt along the way and how you can take that One Giant Leap to build the life you want. This week Damien speaks to Pete Matthew, creator of the hugely popular Meaningful Money website and host of the Meaningful money Podcast and Video series.

A knack for explaining complicated topics led Pete Matthew to launch a website simplifying financial advice. In this episode, he explains why providing people with useful information in the form of blogs, podcasts and video has helped his business double in size. Here's what you'll learn in this episode: Pete's business story - how he... READ MORE The post [139] How to turn content into cash with Pete Matthew appeared first on Janet Murray.

This week our friend Pete Matthew is back, guiding us through alternative ways to get exposure to property – without owning it directly. We discuss different types of "collective investment" vehicles (such as REITs, OIECs and a whole bunch of other acronyms) as well as investments that track property rather than holding it, such as ETFs. During our chat we get to the bottom of: Why it's useful to look at alternatives to holding property directly All the different options, and how to tell them apart The pros and cons of these types of investment How to research the prospects of different opportunities If you enjoyed this episode, please check out more of Pete's fine work at Meaningful Money See omnystudio.com/listener for privacy information.

#15: Today we are going to talk about a topic which many of us have this complex LOVE & Hate relationship with it. MONEY. As many of us—passionate entrepreneurs started out our business with zeal, with dreams to build a business we love to not only fulfill our personal dreams, but we also envision that by doing so, in the process, we can help others, too. And not many of us are in love with excel sheets and numbers. However, we all know without proper money management for our business, we just have a very expensive hubby. That’s why I was so thrilled to be able to interview our guest today, not only he is a financial expert, but also as a Christian brother, his biblical perspective is very empowering for us as Christian Entrepreneurs. In this episode, we will chat about some key points such as: The #1 financial mistake of business owner and how easily you can fix it to avoid a world of pain. Specific key financial elements to consider BEFORE you start a business / side hustle Why the core of SELFLESS MOTIVE is the key to succeed in business in today’s DNA age, for both of you as business owner and the culture of your company. How & When to fix your current finance hiccups from the past mistakes in a non-judgmental way. Here is his Bio: Pete Matthew is a Chartered Financial Planner and Managing Director of Jacksons Wealth Management in Pen’zance, UK. He is also the creator of MeaningfulMoney, an award-winning website and podcast dedicated to educating ordinary people about how money works. He is married to Joanne, and they have two teenage daughters, so he spends most of his spare time acting as a taxi service. Key Lessons: The #1 financial mistake of business owner and how easily you can fix it to avoid a world of pain. Specific key financial elements to consider BEFORE you start a business / side hustle Why the core of SELFLESS MOTIVE is the key to succeed in business in today’s DNA age, for both of you as business owner and the culture of your company. How & When to fix your current finance hiccups from the past mistakes in a non-judgmental way   Links: http://meaningfulmoney.tv (http://meaningfulmoney.tv/) Show Page:  http://kellybaader.com/015 (http://kellybaader.com/015)

This week's episode is just a quick update, but wow are we excited: The Property Hub website has been completely re-built! In this short episode we explain: Why it was high time for an overhaul Improvements we've made to create better conversations in the forum The improved podcast listening and discovery process How we can guide you to the most relevant content for you if you're new Check out the new site here! Normal service will be resumed next week, when Pete Matthew returns for an in-depth exploration of different ways to get exposure to property...   See omnystudio.com/listener for privacy information.

This week we're lucky enough to be joined by Pete Matthew from the Meaningful Money podcast, who talks us through how to set up your personal finances for property investment. Having Pete on the show allowed us to cover some topics that we've not devoted enough attention to in the past, including: The importance of life insurance if you have mortgages Where to keep your money while you wait to invest What kind of emergency buffer you should have on hand How to view property as part of a wider investment portfolio ...and Pete shares the biggest personal finance mistake he sees people making If you need more Pete in your life – and frankly, who doesn't – make sure you're subscribed to Meaningful Money Resource of the week Thank you to Matt Chan for pointing us towards Mubert – a site that generates sounds designed to help you concentrate. We've covered similar in the past, but it's always worth checking out another – and if you're going to be looking into insurance policies and bank account comparison tables, you'll need all the help you can get... News this week The northern powerhouse powers on – as Theresa May confirms that it's not going to be scrapped along with the chancellor who coined it! Buzzword or not, investing and looking at policy to rebalance the economy geographically makes nothing but sense – and is good news for anyone with investments anywhere near the areas that are set to benefit. It's meetup time again! The first Thursday of the month is almost upon us, which can only mean one thing: MEETUPS! Again there are more than 30 across the country – and if you're in London, you can attend the launch of our brand new Waterloo meetup. View the full list and book your place here Join the conversation What other steps have you taken to secure your personal finances? Any other questions you'd like Pete to answer for us? We'd love to know, so join the discussion in The Property Hub! If you enjoyed The Property Podcast, please leave a review on iTunes Reviews are really important in helping other people to find the show, so by way of thanks we read out every single review we receive on air. If you'd like to hear your name on the show, leave us a review on iTunes here. Not sure how to leave a review? This video shows you how to review and subscribe on iTunes. See omnystudio.com/listener for privacy information.

In this episode of Informed Choice Radio, Martin talks to seven personal finance experts about the most important thing to improve your financial wellbeing. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. "The Most Important Thing To Improve Your Financial Wellbeing" This week on Informed Choice Radio, Martin asked his favourite personal finance podcasters and other experts to share their most important thing to improve financial wellbeing. In this episode, you will hear answers from the following stars: -Pete Matthew from Meaningful Money -David Stein from Money For the Rest of Us -Chris Budd from The Financial Wellbeing Podcast -Damien Fahey from Money To The Masses -Joe Saul-Sehy from Stacking Benjamins -Claire Walsh from unbiased.co.uk -Nick Bamford from Informed Choice   Personal finance news update -HM Revenue & Customs has won a £143m battle against a firm promoting tax avoidance schemes. -The rich have become richer due to the UK's policies of low interest rates and quantitative easing. -People over the age of 50 are spending more and more on holidays, including luxury cruises, while younger people are travelling less. -Families should be given breathing space to repay debts otherwise the stress can affect children's mental health, according to The Children’s Society. -Workers in London could save themselves almost £450,000 on the cost of a home if they are prepared to commute daily for an hour each way.   Useful links mentioned in this episode -International Podcast Day -The Financial Wellbeing Book: Creating Financial Peace of Mind (Concise Advice) -How to Take Your Pension Pot -Sapiens: A Brief History of Humankind 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.

The dream of starting your own business is probably the reason you're listening to this podcast. It's important to weigh up a few things before you throw yourself into any new venture though. Running a business isn't for everyone, and there's a couple of reasons why you might want to consider staying in employment instead. Because you're passionate about something doesn't necessarily mean you can make money from it. There needs to be a demand for your product or service. You need to do your research and test the market first. Because you enjoy doing something that you're skilled at doesn't mean that you should go into business doing that thing. Once you set up as self-employed you're going to have to do a lot of other (potentially less fun) things to build your business. If you've given these factors some thought and are still determined to push on, then our contributors in this episode also have a lot of encouragement and reasons for why you should pursue your dream of starting your own business. As we draw the curtain on season one of UK Business Startup, we're joined again by our friends Chris Marr, Julie Christie, Andy Brown, Patricia McGuire, Nicola Donnelly, and Pete Matthew. There are some helpful books that are well worth checking out too. Essentialism, The One Thing, and The E-Myth Revisited. Thanks for listening, and we'll see you again in season 2!

Thousands of millennials have saved deposits for homes, which are now languishing in low interest rate bank accounts. Can you make those meagre savings work harder? This week the host of the Meaningful Money podcast Pete Matthew and Michelle McGrade, chief investment officer at TD Direct Investments, give a basic guide to getting into investing.

Just because you're self-employed doesn't mean you have to go it alone in business. Joining or building a network of fellow professionals can be hugely beneficial to you for a number of reasons. Despite this, many people still shy away from networking events. Some common excuses for this include… I'd feel awkward I wouldn't know what to say to anyone The people there aren't my target customers The people there aren't in my line of work I'm too busy, it would be a waste of my time It would cost me money as I wouldn't be working I'd rather spend this time on marketing I do all my networking on social media So what are some of the benefits of networking? Building relationships Increasing visibility Becoming known as the go-to person in your own line of work Giving and receiving advice Being around others who know what it's like to run your own business Reducing feelings of isolation Leading to sales and other opportunities Social events and friendships Cross promotion and collaboration In this episode we're taking a deep dive into business networking. We'll be hearing the opinions and experiences of our returning friends Laura Lucas, Alison Colley, Chris Marr, Julie Christie, Andy Brown, Patricia McGuire, and Pete Matthew. On top of that we're joined by business networking expert Stefan Thomas, author of the Business Networking for Dummies book. Stefan brings a wealth of knowledge and advice on his specialist subject, and I'm certain you'll hugely benefit from it going forward. Transcript It can be difficult because a lot of people find it hard to go into a room full of strangers and just start talking to them. But I think if it's something that makes you nervous is just remembering that probably most people feel nervous as well. I'm Colin Gray, and this is UK Business Startup. This week we're getting into one of those areas of business that really splits the crowd. Some people love it, and even more hate it. But there's little doubt that, if you do it right, it can be one of the best ways to grow your business. And, it has a bunch of benefits besides that. You might have guessed by now. Of course, we're talking business networking. Stefan Thomas: A lot of people think that networking is just that thing which some of us who are quite odd do at seven thirty in the morning where we meet up at formal networking events and have breakfast with other people. But networking is about every connection you make along the way. That was Stefan Thomas – author of business networking for dummies. He's one of the top UK experts in this area, so he knows how to get networking right. We'll be hearing plenty from him on this episode, along with a few old friends. Talking of which, here's Alison Colley again from Real Employement law advice on how she sees networking. Alison Colley: When I set up my business actually going to networking and meeting people who had either set up their own businesses or who were providing the sorts of services that I needed as a business was crucial. There's no better way of building trust than at networking. Then you can tap into those resources Chris Marr: It's a bit cliché now but it is true that people buy from people that they know they can trust. Not only that. People refer business to people that they know they can trust as well. The only way to get known by people and for people to like you and to trust you is to build a relationship with people. That was Chris Marr, founder of the Content Marketing Academy. He talked a lot about trust on our marketing episode, and here it is again. This ties back to what Stefan told us – it's those connections, and the trust you build with them. Those are the people that send you clients, or might even become clients themselves. Now, at this point, you might be thinking – this just doesn't apply to me. It's only for b2b companies isn't it? Well, Chris has a good way for you to figure it out. Chris Marr: We look back over the last six months, look at where our business has come from, and we always write down two or three names. That piece of business came from that person, this business came from that person. What you start to realize actually is that people are massively involved in your business. If people just don't know who you are, then you're less likely to get business. We do coaching calls, especially with people who are just starting their business. One of the big things that always comes up is, well, they say to me, “We're not getting enough business.” I immediately ask them, “How big is your network? What are you doing to actively grow your network,” and they're just simply not doing enough to get out there and to be known by people. So, it's not just trust, it's visibility, isn't it? No matter what type of business you have, you can always be more visible. The problem is, this personal connection caper is pretty time consuming… How do you make sure you're making that time worthwhile. Chris Marr: I don't mean going meeting everybody, not going to have a coffee with every single person because it can be a massive time suck. What you need to be good at is qualifying people that you want to connect with, people who have influence, people who clearly are good at introducing people to other people, and people who have quite big networks are the people you're looking to spend time with. What you're not trying to do, and I guess this kind of like the next question is, is not just about spending time with people that could be potential customers, because that's sort of like thinking quite small. You've got to think quite big. You actually want to meet people that have bigger influence. They may never ever buy from you, but they might be … They will probably introduce you to other people, they will probably recommend your services to other people. It's well put – you might well find some direct clients through networking, but the big wins are in the wider viral effect. You get to know 10 people in a networking group, and suddenly you're the ‘roof repair guy' not only for them, but their entire network. When their friend says, Man my roof just fell in, who do you think they're going to tell them about? So, that makes sense – looks like the time's well worth it, as long as you're smart about how you spend it. Remember too that time's just another kind of currency. Here's how Stefan sees it. Stefan Thomas: I treat my networking as part of my marketing spend. That's an investment to my business because I know that an awful lot of the big opportunities that I've got coming up in the coming year and that I've had in the last couple of years have come from a little conversation at a networking event, and if I go to networking events, conferences, seminars, whatever it happens to be, then I'm more likely to start more of those conversations which lead to big opportunities. So, Stefan knows it's worthwhile for him. He's tracking those opportunities and where they lead. But, then, Stefan's a pro. What about mere mortals like us? Here's Julie Christie from Tea Break Tog: Julie Christie: I didn't do anything like that for about three years, and then when I did that everything changed. Pretty much over the course of a couple of months I realized that everything was changing because of the people that I was meeting in this group, just expanding my network, but also encouraging me to think about my business differently. People who were having successes in different areas from me I was able to question them and learn from them and vice-versa. So, this is interesting. She's pretty clear that her network brings big direct benefits. But, she's also starting to delve into the other upside. Because we know that, for all the things we love about running a business, it's not all shiny rainbows. Other Benefits Laura Lucas: I was a bit worried I might be lonely when I first started my business working for myself, but because of the networking I've done I've meet amazing people actually. People who I feel are much more likeminded and much more attuned to the sort of ambitions I've got and where I want my life to go than maybe people who I would happen to work alongside. I always enjoyed going into work and having good relationships with my colleagues and so on, but I feel like there's something that people who have their own business have in common. They've got that vision and that ambition. It's just great to be around those sort of people. It's actually about developing those relationships to see how we can help each other and how we can collaborate and who we can introduce each other to. Is a huge, huge benefit of having a business that I hadn't expected. Julie Christie:  Every week you're with these people who are passionate about their businesses and we're all talking about our business and how we can move it forward. But because you're meeting them the next week you're really motivated to go back and work on those things that you've been talking about. I've meet some amazing people through that, and doing that it has changed the direction of my business and improved my business and made me think with a lot more clarity about what I'm doing and why I'm doing it. For me it's been absolutely huge, huge part of growing my business. Stefan Thomas: But also in business I think that networking helps you to build the structure, to build the support structure around you, and a network of supportive people which to my mind is just as important to sales. There's no doubt that running a business can be a pretty lonely, isolating job. If you're working yourself, who do you turn to for help, for support, for some simple feedback on something? Well, for Laura, Julie and Stefan, it's their network. As they all said there, they've met people through networking, built relationships, found support, and  they've really grown their business as a result. Alright, I'm hoping you're at least a bit convinced, but there's a good chance you've still got a few reservations. Networking does carry a lot of baggage…. I got a sign of this when I asked Pete Matthew if he sees any value in networking: Hating Networking Pete Matthew: Absolutely, though it can drive fear into the hearts of a lot of people. I'm a natural introvert. If I go to a party, you will usually find me in the corner on my cell phone. But I've taught myself to be better, because it's important to have relationships. It's amazing where relationships can go. I even found out that Stefan, our networking Guru, took a while to find his feet. Stefan Thomas: Not only have I covered it hundreds of times but of course I've been there myself. This wasn't something that I was born to do. My very first networking event I really did stand awkwardly in the corner. That was sometime in 2005. There's an awful lot that I've learned since then. It's definitely makes me feel better knowing that I'm not the only one who feels like a lemon every time I walk into an event like this. I always find myself making a meal over pouring a coffee. It's my way of delaying that moment when I have to turn around and try not to look panicked, hoping someone will come over and talk to me. The thing is, it's natural to feel like that, but it's always fine. Laura Lucas: If you're not sure if it's for you or not go and find out basically. It can be difficult because a lot of people find it hard to go into a room full of strangers and just start talking to them. But I think if it's something that makes you nervous is just remembering that probably most people feel nervous as well. You've got something in common with everyone and just really being open to having those conversations. You'll hopefully find, I know I've certainly found that networking events I've gone to are very open and welcoming and people are interested to hear about you and they're keen to tell you about them. It's not as hard as you might think it is. Ok, we'll get over the fear and give it a try. First step, I suppose, is finding a group: How to Network Stefan Thomas: The very first thing that I would do would be to google networking events in your town, wherever your town happens to be. Look for the local chamber of commerce. They are very likely to have some sort of networking event there. It's pretty likely in most towns in the UK that you will also have networking organizations such as 4Networking of which I'm a member and BNI and other networking organizations that exist. Thanks Stefan – simple enough. So, once we're there, how do we get over the fear and make that first introduction? People I think look for some clever answer as to how to start a conversation with someone, and what I have found works best is to go for the lowest common denominator. If you've grabbed a cup of coffee, it's very likely that there are other people grabbing coffee at the same time. Talk about coffee, talk about parking, talk about the fact that everyone got caught in traffic this morning. You're in that enviable position working event, or conference, or seminar, that you immediately have something in common with everyone in the room. An awful lot of my early sales training was about finding that thing that you have in common with someone so that you can start talking to them on common grounds. My usual one is just to catch someone's eye at the coffee table as say, ‘Hey, how's your day been?'. It's simple, easy and usually gets people talking about something they're interested in. It also tends to give me a clue on whether it's sometone I can get on with too, because if they just start moaning about their day, then they're obviously not the most positive of people. Laura Lucas: One thing that helps me on those times when I do feel a bit self-conscious is just to try and find someone that looks more nervous than me and help them feel better. That can be a really effective way of actually forgetting about your own hang-ups. If you make the conversation about the other person you're much more likely to have an impact. Sometimes we'll go in and we'll feel like we're supposed to have this perfect elevator pitch and you should go in, say the elevator pitch and walk out with a client. Well that's not really the purpose of it. It's just begin to know people and it's really about just looking for things that you've got in common. Chris Marr: Be the person that introduces yourself to other people. Don't go sell. Don't sell to people. Just go and meet people. Make friends with people. That's what I always use to say when I go to event, is like who can I make friends with today. That's one of the best things you can do because people hate being sold to, and they can see a mile off, they can see you gearing up to hand your business card over and people hate it. They just absolutely hate it. The best thing to do is to almost forget that you are selling anything at all and just try and meet people and make friends with people. Laura and Chris are spot on here, for me. You can always spot the serial networkers – those folk that see it as nothing more than a chance to push out as many business cards as they can. I really don't know how they can't see what a turn-off that is. They're not building any kind of relationships, and that's where the value lies. Now you might remember Andy Brown from Triple Your Clients. He takes it a step further – he doesn't just think about building relationships – he gives even more value to one of his business groups. Andy Brown: I'm on the committee there and also on the committee of the St Andrews merchant association, even though I'm not actually a merchant, I don't have a shop or anything in St Andrews. I joined the committee because I'm all about being useful and giving value, particularly in the local area. It's not a me, me, me situation. It's just I think you do get a lot of benefits from just giving. You've got to be mindful of your own time, but I say that I've got these skills related to the internet. I can probably help even though you've got a presence on the High Street. I can help for instance the association. Then with the business club we have a website. I update that. Just by definition that I'm updating that I get in contact with all the people that come and speak at the business club. So, part of Andy's networking is doing just a little bit of work for the clubs – stuff that he finds pretty easy – but it helps grow that trust, that reputation, that makes him more prominent in the network. It's all about giving, really. What's the cliché – you get what you give. Stefan sums it up well: How to Talk to People Stefan Thomas: The way that I treat any networking event is to ask a lot of questions, to find out a lot about the other people in the room, and to get to know them. I very rarely try and push my services on people at networking events. Right, we've been along to an event, we've beaten the fear, and we've made some friends. But what we do we do next? What happens after that first conversation? Next Steps Stefan Thomas: If you think about this for a second, when you I and finish this conversation a number of things will happen. You've got your next appointment to get to, you've got your client you've missed a called from, and those little conversations that you have at the event start to slip out of your memory. Now the same happens to everyone else in the room, so it's your job to continue to remind them that you exist. It's not their job to continue to remember you. Chris Marr: Bring the business cards home with you. Ping them on email. Just say, “Hey it was great to meet you today, and I'm looking forward to catching up with you sometime in the future,” and then stay in touch. That's the big thing. Stefan Thomas: There are two things that I talk about a lot in terms of follow up: active follow up. That's when someone said, “Stephen, I'm really interested in what you do.” In that case I make a point to actively follow up, to phone them the next day and say, “Really like that you're interested in what I do. Can we talk about it more?” Passive follow up, passive follow up is I think when most people lose because actually keeping gently in touch with people over weeks, months, and in my case sometimes even years, that's the thing that has often led to the hidden opportunities, the opportunities that I would never have spotted that come out of the woodwork a few months or even years later. I know myself how easy it is to miss this out. We talked earlier about making sure it's worth the time you invest. Well, the problem is, without the followup, it doesn't really matter how well you do in person, nothing's gonna come of it. You need to get yourself a system – Chris mentioned the business cards there – put them somewhere you'll always find them. When you get back to the office, put it in your process that you always look in this place after an event. And you always do it right away. Like Stefan says, this stuff fades from your memory really quickly. Stefan Thomas: With all of the tools that we have in 2015, Twitter, Facebook, LinkedIn, email, the telephone, all of these ways of keeping in touch with people, and yet there's a staggering statistic that 87% of people never follow up after networking meetings. If you just do that, if you just make an effort to keep in touch with people in a very gentle non-sales-y way, then you're immediately putting yourself ahead of the competition. A trick I often use is just to write a few words on the business card. Just something that'll remind you who this person is, what you might have in common, what's worth following up on. Having those little nuggets in the follow up contact really separates from the rest, as Stefan said. And if nothing else, it reminds you who the card belonged to. I've found many a card, weeks later, and had no clue where I got it! Now, Stefan mentioned a bunch of mediums there, so it's worth digging into that a bit. Email, for me, is still the first stop. I'll do that for the main followup. But, social media can be a great addition. Social Media Stefan Thomas:  I also treat all of my social media activity as networking as well, because all the way along I'm either making new connections or I'm strengthening my existing connections. Pretty much everything that we do in our day-to-day business is networking. So for Stefan, actually, social media can support his existing connections, and it can be a first contact for others. You'll remember Patricia McGuire from Purple select – she had a few thoughts on social networking. Patricia McGuire: Sometimes when I look at the way my staff network I think really they spend too much time on social networks and the online platforms doing this. To be honest with you they're really, really valuable. Again, you need to think where are the people you need to talk to, what platforms are they on, and start building relationships with them. If you're using online platforms, so if you're using Twitter or Facebook or whatever, it's not enough to be on those platforms. You need to interact with people, offer advice, tell people when they've given you some advice that's really worked, just interact like you would do in a normal everyday life and you will find that that works very well and business will start being referred to. But I still believe that you cannot beat face-to-face relationships. So, for Patricia – you can build a network online, as you'd expect. But it doesn't replace face to face. I'd say it's a valuable part of your networking, not the whole. Laura Lucas: If you're into offline networking I think online networking can really enhance that, because I'll give you a great example actually. A great friend of mine is Kate McQuillan who has Pet Sitters Ireland. She's a really keen blogger. I met her briefly at the Content Marketing Academy Conference in 2014, so I met her once. We meet. She talked to the conference and I was very impressed with what she'd achieved through blogging. We didn't really get much of a chance to speak to each other, but I really got to know her in the Content Marketing Academy Facebook group. Then I really got to know her personally on Facebook, just from like chatting and interacting, and it's developed into a full bloomed friendship now. She's as much my friend as anyone that I've known since school days or anything like that. She's business friend and she's a personal friend as well. I love that story in that it shows the value of putting long term effort into your network. It's not just those one-off meetings, and it's not even just that follow-up, right after it happens. It's beyond that, making sure that you're building relationships long term – not just for your own benefit, but really creating a partnership with everyone in your network. Stefan Thomas: The process doesn't stop. In 2015 when you and I are talking it is so easy to keep in touch with people, and it's the biggest mistake that most people make is not to keep in touch with people. Laura Lucas: I think sometimes when it's business networking we can think it's all about business but it's actually all about just building a relationship. It doesn't matter what you build that relationship on. I think just take the pressure off yourself and enjoy getting to know people really. Pete Matthew: Find half a dozen people who are like you, small business owners like you but maybe in different markets and just help each other. You'll be surprised where that will end up. This is Colin Gray on UK Business startup, hoping that I've given you the motivation you need to get out there and start building your own network. I promise you, it'll end up being one of the most valuable assets in your business. Now, we're nearly at the end of the season. We'll be tying it up next week with some key takeaways from the series, and giving you an insight into what's coming next. We're also going to be running a little competition leading up to the launch of season 2, so do make sure you tune in next time around. Also, a wee request, in the spirit of this episode, I'd love to ask you for a little referral of your own. I hope we've helped you figure out some of this crazy journey we can business, and if you feel like that's built a bit of trust, then I'm proud to call you part of my network. If that's the case then could you do one small thing. Have a think about one person you know that might like this show. Fire up your email and send them the link, copying us in if you think it'd help – we're on info@thepodcasthost.com. It'd mean a huge amount to me, and it'll help us to get this out to more people, hopefully helping as many folk as we can in the long run. Ok, that's it for this week – this show is created by The Podcast Host, produced by Matthew McLean, written and narrated by me, Colin Gray, and we're a part of the 3B Podcast Network – that stands for British Business Broadcasting. You can check out the other shows on the network at 3bpn.com. Thanks and we'll see you next time.

What we covered in the podcast:-His career to date and the growth of meaningful money-How he bought into his existing company-How he handles prospects from Meaningful Money-How he manages his time de

In this episode of Informed Choice Radio, Martin looks back over the past 100 episodes and we hear from some past guests on the show. He interviews someone very close to home, Nick Bamford, executive director and founder at Informed Choice. And then they look to the future, for both this podcast and the business itself. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. The Live Episode This was a very special episode of Informed Choice Radio, celebrating the milestone of 100 episodes. It was broadcast live on Blab.im, with Martin hosting the show along with Nick, who he interviewed briefly. Martin and Nick also played messages from past guests Chris Budd, Pete Matthew, Michelle Hoskin, Simonne Gnessen, Michelle McGagh and Keith Richards. Fellow podcast Roger Edwards popped in to say hello too! Personal finance news update -Lloyds Bank is closing another 200 branches and cutting 3,000 more jobs, despite reporting a £2.5bn pre-tax profit for the half year to the end of June. -More than six million people have now been automatically enrolled in a workplace pension scheme.  -Credit card providers are doing too little to address persistent debt, according to the Financial Conduct Authority.  -The average house price in the UK has exceeded £205,000 on average for the first time.  -Despite appearing confident about their short-term finances, a fundamental shift in priorities is causing 30 year old women to grow increasingly concerned about their financial future. 

How do you know when you're ready to take on staff in your new business? Are you ever actually “ready” to take such a step? That's the basis of this episode, as our assembled panel of experts and business owners offer you their own tips and advice for taking on staff. Whether you're a sole trader who needs an extra pair of hands for a few months, or the owner of a limited company looking to employ several people, the process is fairly similar across the board. There's also the danger of putting off hiring staff because you don't think anyone can do the job as well as you. That might be true, but is this approach sustainable in the long term? What happens if you fall ill, or want to take a two week holiday abroad? On this episode you'll hear from recruitment consultant Patricia McGuire, content marketing guru Chris Marr, photographer Julie Christie, employment law specialist Alison Colley, accountant Gordon Howes, and financial planner Pete Matthew. Recommended Reading There's a couple of excellent books on this subject that are worth checking out. The first is a classic called The E-Myth Revisited (Why most small businesses don't work, and what to do about it) by Michael E. Gerber. This one is primarily aimed at small business owners who are trying to do everything themselves. The second is Virtual Freedom by Chris Ducker. Again it deals with the problem of trying to do it all yourself, but this one is a guide to hiring and managing virtual staff, rather than on-site employees. Transcript It becomes very apparent that you can't do everything and that's another piece of advice. Don't be a superhero. You cannot do everything. I'm Colin Gray, and this is UK Business Startup, where this time, we're talking people. Do you remember that quote from Chris Marr last time around? Chris Marr: You need to pick out a time in the day where you are spending an hour or so working on your business. You need to have a plan for that. What are you doing every day to build your business? This is one of the biggest mistakes new businesses make. They forget to think big. They forget to make time for planning, for strategy, for figuring out how to make the business a success. Instead, they just keep doing what they're good at. The gardener keeps gardening, the programmer keeps programming, and the baker just bakes! The problem is, that's not building a business. That's building a job. And it's a really terrible job at that. It relies on you to run, it relies on your time, so when you're not baking, you're not earning. That means no breaks, no holidays, no time to get sick! And it means no time to bring in more customers or grow a business. That's what Chris from the Content Marketing Academy was talking about. So, what's the way out? Well, building a business that doesn't just rely on you. That's what. And that means staff. So, this is where it can get really scary. Julie Christie: I have two employees. I didn't necessarily feel ready to do it. I just knew I had to do it. For two months, I couldn't afford it. I definitely took a hit because I was training her and I was sitting beside her all the time and we weren't taking on more work. Within two months, she was paying for herself. It was a very, very scary move to make but it was the right move and it allowed me to work on the business. I no longer was having to phone clients, go back and forth with anyone, design albums. All the admin was taken away from me so I was able to then do more shoots and more marketing to get more shoots. That's the bit that surprises most new business owners. The admin. There's so much to do, from logging receipts, to paying tax, to handling bills. And that's just the general stuff. There's bound to be tonnes specific to your industry too. So, this is where a lot of people start, as you heard there from Julie Christie, the founder of TeaBreakTog.com. She's still doing some of the main work – photography in her case – but he's using the time that's been freed up to do the marketing too. As Chris mentioned at the start, and even more in the last episode, that's your big job as the founder. Marketing and growing your business. You can still do a bit of the technical work, but you need to find time for the high level stuff. Generally, that means staff. So, how does it work when you're starting out? Let's look at Bill the gardener again. Patricia McGuire: As a sole trader, Bill can take on a temporary member of staff. Certainly, Bill could advertise and take someone on just for a seasonal period of time so he could offer a seasonal contract to them which would be fixed, which means there's no obligation to keep them on after that or he could give something like a zero hour contract just to see how things go. If things work out well, he can tell the employee that he will increase the hours. That's the way in for a lot of people who start out working for themselves. They take someone on for the busy periods. No long term commitments, just getting a bit of help when it's needed. It is a great way to build confidence and learn a few of the processes. And it gets you used to managing people – something most of us aren't used to! So, once you make the decision, what's our responsibility here with the tax office? Chris Marr: He needs to inform the Inland Revenue that he's going to become an employer before he engages anyone. He will register for PAYE as an employer. He will receive his employer's PAYE reference as well as his Accounts Office reference. This is easy enough, and it's the same for a limited company. In fact limited companies tend to do this right off the bat! Either they'll be taking on staff right away, like a café, or you want to get paid as the founder. Either way its' really easy to register on the HMRC website – honestly, quick as anything. Pete Matthew: One thing it's really important now is you've got to report to HM Revenue and Customs now when you pay your employees. You need to pay your employees on a certain day and that will need to be reported to the Revenue on that day, and any tax and national insurance due to the Revenue will need to be paid at the same time. That's called real-time information. Okay, this might sound a bit complicated, but don't worry, there's technology out there to help. Remember on episode 2 when Pete was talking about managing your finances? Pete Matthew: There are, again, software systems usually very often a part of the general accounting software systems that you can buy and they will do all that for you, so you'll need to register with the Revenue as an employer so that you can submit your real-time information, your payroll information as you go. Both Pete and I have mentioned it before, but FreeAgent, is the one I've used in the past. It handles both invoicing and payroll, working out all of that stuff around tax and national insurance. There are plenty of other apps out there that can do it too. So, don't let this part put you off – help exists! Talking of which… Julie Christie: When I decided to hire Fiona, I spoke an HR consultant who talked me through everything. He also put together a contract of employment and all the paperwork that we had to have in place and he advised me on insurance issues and things like that as well. That was all taken care of and then my bookkeeper, she took on payroll as well as keeping the books. It wasn't too bad at all and has been worth that's weight in gold. We talked about bookkeeping and accountants in the finance episode, and Julie highlights it here. They can take on payroll for you, handling all of the fiddly work. And contracts – that's a tricky one, and well worth getting some help with. You'll find HR consultants all over the country, and you could get contracts and handbooks made up for just a few hundred pounds. In most cases, as Julie says, it's worth every penny. Ok, we've dealt with the prep. Everything you need to do to get set up as an employer. That's a bit dry, but the next bit's more exciting – that's actually having them on board, getting the help, the input, the expertise they offer. Saying that, before we get too excited, I guess we need to think about what they want in return… Pete Matthew: Paying staff isn't massively different whether you're in a limited company or you're sole trader. They are your employee and so you have certain responsibilities. A key one, of course, is paying them. They're not going to work for you very long if you don't pay, so that's a drain on cash flow. That needs to be planned in, always a good idea to have two or three months cash flow in reserve if at all possible, so you know you've got at least two or three months' worth of payroll that you can pay your staff so you're never sort of going right to the wire. This ties into those questions at the start of the episode. When do you know you're ready to take someone on? As Pete says, money plays a part. If the work dried up tomorrow, how long could you pay them for? Now, don't let this scare you – it's planning for the worst case. And with the help of someone else, it's even less likely to happen than it is right now. You'll be freed right up to search for more work after all. But, it's worth a think. Next, what about frequency? Pete Matthew: I would err towards paying people monthly for the simple reason that most people pay things out on a monthly basis. They're paying house and car insurance and other things on a monthly basis. It can be easier for your employees to budget on a monthly basis. Having said that, I have been paying on a weekly or fortnightly basis since I was at university and part-time at McDonald's. It's a long time ago. Some people may prefer it. I think the world is increasingly moving towards monthly though. It just seems more logical to me. This depends a lot on industry too – the leisure industry always tends to pay weekly, but the finance industry doesn't, for example. This isn't a big deal, just choose what's right for you. And then? All that's left now, is finding the staff themselves! Alison Colley: If Amy is looking to take on staff, there are various routes that she could take. She could take the traditional route of putting an advert in the newspaper but in my experience with my clients, that can be quite expensive and quite a timely process. Another way of looking for staff would be to use somebody specific like an agency, somebody who she can trust to make those initial findings for her and to try and find the right member of staff, so do the initial interviews and things. From experience, vetting and interviewing takes a long long time… Agencies charge a fair bit for this, but sometimes it's worth it… Alison Colley: The other way of doing it is to look within her circle, within her network, see if there's somebody who she trusts and likes who might be looking for work. I find that way with my clients who were taking on their first member of staff, this is normally how they find them rather than going down the traditional advertising route because it would be quite daunting to bring someone into your new business especially when you've worked so hard on it, so finding someone that you trust and know in the first instance is probably a good way of finding staff. Interviews can only tell you so much, so that personal connection can make a big difference in finding someone you trust. AND someone who's right for the business. You're going to have to live with these people, day in day out, so personality matters. Pete Matthew: These are not just payroll numbers after all. They are people and they come with issues to deal with, things like needing to take time off to go to hospital appointments and emergency, things which might happen to him for family reasons, in inverted commas, that you've got to sort of be able to cope with these things. And that's when things get complicated. Because real people ARE complicated. But here's how Pete thinks about it. Pete Matthew: Certainly, a key thing for me here in my practice is culture. We obviously need people who are competent. They need to be able to do the job but I would rather have somebody who I need to train but who fits in well with me and what I'm building here rather than have someone who is superbly competent but is a bit of a pain to work with. Company culture is huge, and it's all your job at the start. You're the founder, you set the tone. Small companies always have a culture based on the founder's personality, their values. As Pete says, the plan is to find people that fit that culture, and for you to reinforce it every day. If you live and breathe the values of your company, then that's infectious. It improves the morale, the productivity and the work that everyone does. Now, there's one last option I want to go through, before we're done. Just incase it still seems too daunting. There is an easier way, and we've already alluded to it… Virtual assistance – that means working with people OUTSIDE of your business to do the work of an employee. Julie mentioned earlier that her bookkeeper does payroll for her – that's a virtual assistant. The bookkeeper isn't employed by Julie, but she does work for the company. Work that needs done on a regular basis. So, How would that work with Amy, our café owner, for example? Alison Colley: This is certainly something that Amy should be thinking about for things like her marketing and social media whether she goes to somebody using a service like Upwork who provide virtual assistance or whether she goes for someone more local, would be down to her to decide. Certainly, with virtual assistance, you can give them a try without having to commit anything in the long term. You can try a couple of people and see how it works out. I would say that it would be better for a small business to try and do it virtually for those sorts of things initially than taking on an employee and having the additional costs and expense of things like PAYE and national insurance. Great advice there from Alison Colley whose an Employment Law Specialist over at alisoncolley.co.uk. Whether they're in the UK or abroad, working with a VA gives you a tonne of experience in managing tasks and staff. And that's without a lot of the HR or admin headaches. I know a lot of new businesses that used virtual assistants to grow to a certain point and then they've graduated to in-house staff. It lets you get that work off your hands without worrying about long term commitment. Of course, the downside is that they might not be as bought into your business as an employee. And managing staff at a distance can be tricky. But, for most people, especially sole traders or really small companies, it can be a stepping stone to much bigger things. So, are you ready to take someone on? Are you Set for that leap? Patricia McGuire: I think you know when you're ready to take on staff. It becomes very apparent that you can't do everything and that's another piece of advice. Don't be a superhero. You cannot do everything, but there are worries, obviously. How are you going to pay them? How are they going to settle into your business? How are they going to reflect your business? But actually, you know when the time is right. You know when the money is right. You just have to do it. If your business is going to grow, you have to employ other people to help you grow it. This was episode 4 of UK business startup. You can find links to everything we've mentioned on the show at the Startup website at podhost.me/startup/. Thanks too to all of our contributors, and you can find out more about what they do at the same place. If you've enjoyed this show, please do pop over to the iTunes store and give us a review. It helps in a huge way to get the show out to more people. And if you're not on an apple device, then tweet us @thepodcasthost – we'd love to hear what you think. Thanks again for listening and we'll see you next time!

Pete Matthew is a Chartered Financial Planner, Certified Financial Planner, and Managing Director of Jacksons Wealth Management. He also runs his own business for MeaningfulMoney.tv, a website that conveys Pete's belief that financial planning is really simple and for a lot of people.

Pete Matthew is a Chartered Financial Planner, Certified Financial Planner, and Managing Director of Jacksons Wealth Management. He also runs his own business for MeaningfulMoney.tv, a website that conveys Pete's belief that financial planning is really simple and for a lot of people.

Money is fundamentally simple. Or at least it should be. We often get overwhelmed by the complexity of choices, especially when it comes to investing for the future. In this episode of Informed Choice Radio, I speak to Pete Matthew. Pete is founder of Meaningful Money, where he is on a genuine mission to educate, inform and inspire the world about personal finance. He is the creator of more than 300 videos and 160 podcast episodes covering just about every aspect of financial planning you can imagine. In this episode of Informed Choice Radio, we talk about Pete’s ‘BPI’ model for financial success, how bad habits can derail our financial planning and why financial advisers with flash cars are like dentists with bad teeth. Welcome to Meaningful Money with Pete Matthew, in episode 095 of Informed Choice Radio. Some questions I ask -How did you develop your skills as a financial educator? -What have been the most important lessons from over 300 videos and 160 podcasts? -Can you talk us through Dave Ramsey’s debt snowball approach to repaying credit card debt? -What are the priorities for your listeners and how might this change following the EU referendum result? -How important is it for investors to work with financial planners who practice what they preach? Useful links mentioned in this episode –Meaningful Money –Pete on Twitter –Crush It! by Gary Vaynerchuk –The Automatic Millionaire by David Bach Help us spread the word! Thank you for listening to this episode of Informed Choice Radio. If you enjoyed this episode, please share it on social media. If you enjoy the show, please subscribe in iTunes and write us a review! Reviews really help us stand out from the crowd and reach more listeners.

There's a good chance that you're going to have to act as a marketer in your new business along with all the other hats you'll be wearing, at least in the early days. But without drumming up interest in what you have to offer, letting people know your out there, and ultimately making sales, you won't stay in business very long. That's why it's important to make sure you get your marketing right, and that's the purpose of this episode. Our assembled panel of experts and business owners give their opinions on what works, and what doesn't work so well nowadays. In this episode you'll be hearing from AdWords specialist Andy Brown, photographer Julie Christie, recruitment consultant Patricia McGuire, financial planner Pete Matthew, and content marketing guru Chris Marr. Some of the key tips are; Know your audience. Who is your business for, and where can they be found? Look after your existing clients, get this right and they will tell others about you. Create content. Use the questions potential customers ask you and answer them on a blog, podcast, or video series. Transcript It's about putting out stuff that people can use, which entertains them, educates them, and powers them to take action and ideally, to take action with you. I'm Colin Gray, and this is episode 3 of UK Business Startup. So far, we've had a look at some of the big bits, the intimidating bits. That's company structure, finances, business plans. It's the stuff you imagine you need to speak to the experts about. But, hopefully the first two episodes got you started, and helped make a few of the decisions. Well, today's topic, for most people is a bit more clear. And that's, talking about your business, promoting what you do. Otherwise known as marketing. But really, when it comes down it, it's just finding customers. Or, helping them to find you! So, let's start off with Julie, our friendly, and her early adventures in marketing Julie Christie: When I started I just did everything I thought you were supposed to do to market myself, so I got hundreds and hundreds of flyers run off, and I distributed flyers all around my hometown, offering my photography services. I asked all my friends and family to tell everyone they knew. Really, it didn't work. It didn't work. So you know, Julie's not alone here. It's the way it's always been done isn't it? So it must work? Well, you'd think, but when was the last time you bought something off a flyer? It's so common that we're just blind to that type of marketing now. If that's the case, how do we reach people? Often, it starts really local. Julie Christie: I reached out to people who I knew, who looked like target client, and I offered to do work for them for free, in return for them allowing me to use their photographs, but also allowing me to reach their friends. I'd give them vouchers to give to their friends. I reached out to someone who was a bit of a mover and shaker in the area and she wrote a blog post about me. I tried to reach out to people who would talk about me and I reached out to the right people. The people I knew I wanted to work with. That's the beginning for a lot of businesses. Family, friends, local networks. And it works. Treat them right, and things can snowball. Julie Christie: We really look after our customers. When we get a customer, we send them little gifts in the post. We have a really good relationship with them. We phone them. We have lots of conversations before the shoot. We touch base with them after the shoot, every year at least. We give them Christmas cards. We keep up with them on social media, and we find that they then, because we have such a good relationship with them, that they do our marketing for us. And I think that is a good, solid way to build the right client base. It's a slow burden though, and you have to be brave, and stick it out, and keep working at it. I know a lot of businesses who thrive just on that. Just around word of mouth, referrals and you can do great from that, just like Julie. Let's think wider though, outside of our network. How do we start to find people further afield? You'll remember Patricia, who runs a recruitment company. She had some thoughts about finding people in another kind of network – the one I bet you've wasted at least a wee bit of time on today. Of course, I'm talking about Social media. Patricia McGuire: Talk to your customers and find out where they're living in the digital space because you can waste an awful lot of time trying to cover too many of the digital options, the social media options. Once you know where they're living in this space, start becoming expert in those areas. It might be Facebook, it might be Twitter, Pinterest, Instagram. In my particular case, I use LinkedIn, a great deal. LinkedIn and Twitter would be my two major marketing tools at the moment. I'm also developing podcasting as a tool for marketing my business, too. It's great advice – depending on your sector, your audience is bound to have one or two networks they hang around on most. Do you know which one it is already? If not, take Pauline's suggestion – start talking to people, ask them directly. It's the easiest way. Of course, social isnt' a natural fit for us all. Some are really comfortable interacting online, but what if you're not? Patricia McGuire: So, my main advice would be, don't be afraid. You're going to make mistakes. Everyone does, but you will learn very fast because your bread and butter depends on it. Right, that was outbound – that's you going on the hunt for customers. Finding them where they live, and building that relationship. But, maybe there's a smarter way? What if you could attract customers to you? What if you could do something now that might attract customers to your company for years in the future? Well, that's inbound marketing, and it's all about making yourself easy to find. Chris Marr: No longer are traditional marketing efforts working. You think about paid ads, radio ads, newspaper ads, all that kind of stuff. It might work to a certain degree, but it definitely aren't as powerful as, for example, having a website, having a blog and being found online because to be honest, that's where people are making buying decisions. Yea, but what if you're a care home – we gotta think demographics don't we? Say, my target audience is over-60, so I'd imagine that traditional advertising works best for them, doesn't it? Well, you'd think so, but Chris Marr thought otherwise! Chris Marr: It used to be that people would say like there was a demographic there, that weren't online. Everybody is becoming more online. Even people in their sixties, seventies, and eighties. My granddad is eighty-six years old and has an Ipad and WIFI in the house. It's true, and you're always reading about the grey-pound now – that's the amount of disposable income out there in the older generation and retirees. And, like Chris say, a whole lot of which is online. That means it doesn't matter who you're targeting, the web has gotta be a major priority from now on. It helps too, that the web is the king of cheap, or free, inbound marketing. It's all about the search – and that means Google! And that's the big question every business has – how the heck do I get myself high in the search results. Well, here's Pete Matthew's thoughts on that. Pete Matthew: Definitely content marketing, I think is how it is increasingly being done. It's not the be-all and end-all but it has many advantages. One of them is cost. It's relatively cheap to put out good content consistently. Cheap in terms of money, it's not cheap in terms of time and that's very often the objection that I get from people. You can be targeted, you can reach a very wide audience or you could be locally targeted, if you're in a sort of brick and mortar business where you want to reach your local community, then you can do that just as well. So, content marketing – what's that? In simple terms, it's just publishing good stuff on the internet which ends up attracting people to your website. But what do you publish? Seems like that's a question Chris Marr gets a lot. Chris Marr: He's going to say, “That's great, Chris, I've got my website up and running but I need content. I need information there. What is the best type of content I should have on my website to be A, found in Google, for people to stay on my website and be interested in what it is I'm doing.” You really have to be creating valuable, usable, helpful content that people are searching for. So, not rocket science here. It's helping people, it's showing your expertise by being hugely useful. And that means answering questions. Let's think about Bill again, our imaginary Gardener, how's he gonna approach this? Chris Marr: For example, I'm not a big gardener, but they might say something like, “What's the best way to look after my lawn? Or my grass?” Or “What's the best flower feed for a type of flower?” Here comes my gardener experience. Basically, what I'm trying to get across is, they've got a problem and they're looking for a solution. At this point, I know what you're thinking, but this is what people pay me for? I can't give it away! But that's where the shift is – that's what's separating the businesses that are killing it online just now from the ones that are trying to sell sell sell, and failing. Chris Marr: You're trying to build a relationship with people, so the best content a gardener can do is stuff that people are needing help with right now. They might not want to hire a gardener, but if you're the one that educates them and the one that builds trust with them, when they do need a gardener the person that they're more likely to go to is the person that they've been educated by, the person that they've been building the relationship up with online. You've got to think to yourself, just to strip away from Bill for a second, is what are people searching for on Google? What problems do people have? How can we help them with those problems? How can we answer those questions? That's what people are searching for on Google. That's how you're going to build a relationship with people and that's the type of content that I would advise someone like Bill to do. So it's all about the relationship. They're interested in a topic, you help them, they grow to trust you, and even to like you. In a lot of ways it's about sideways thinking. It's about figuring out who exactly uses your product, and what type of content they'd be interested in. Pete Matthew: Here at my financial advice practice, we want people who are serious about making decisions with their money, they want to achieve their goals. So, my podcast is geared to people like that. We're giving them good information that they can act on themselves while at the same time saying, “Look, a lot of this is really complicated, you might want to see an advisor. Hey, here we are.” It's about putting out stuff that people can use, which entertains them, educates them, and powers them to take action and ideally, to take action with you. It's lots and lots of things you can do, certainly it's working for us. The classic take on this is, give away the what and the why, then charge for the how. OR, another way of putting it – information is free, charge for implementation. That means, no matter how much you tell people, there's always a big group who need more help, some handholding or, even though they know, just want it done for them anyway! And who are they going to turn to. Well, the guy that told them about it in the first place. Looking further, there's another pretty interesting benefit. And that's The fact it can become a really valuable tool in your in-person selling as well. Andy Brown: When I get a prospect comes in to my space, they e-mail me asking a question and I will reach out and say, “Look, I've already answered that question.” In a nice way. You're going to get more value by listening to the show, listening to this episode. That's great because it conveys my personality and my voice and maybe they could get to know me by that vehicle. So that was Andy Brown from tripleyourclients.com. And he's talking about the fact that his customers get to know him through his content – that means trust. That means credibility. That means loyalty. Not to mention the authority he's building by putting out these really useful resources. Articles that seem to directed straight at that person. It's like you're in their head, seeing right through to their secret worries. Andy Brown: I think every business needs to have content marketing strategy, where they're answering questions that their consumers ask. When I've done that, it's been really successful. Page one of Google for the specific search term that I'm targeting. You need to do more of it, I think that you can never end. It's not complicated, the audience asks questions and you answer them. A lot of small businesses, they assume that all those questions can be answered on the phone when someone contacts you, but as we know, that's no longer happening. People are making the decisions before they contact you. They're basically doing the research online. If they can't find the answers on your site, they're going to go somewhere else. Right, we know what we're doing – we're answering question, squashing worries, we're becoming the most useful person in our industry. But how do we get this stuff out there? Julie Christie: We also blog, we have a blog on our website and we do write a lot of content surrounding what you should wear to your shoots, things to think about before your boudoir shoot, how to look after your skin before your boudoir shoot. We try to get found by potential clients through writing content for our blog, as well. Blogging is a great one to start with – that's just writing articles on your website. No kit required – just you, your keyboard, and the last few questions you were asked by a customer. Blogging's also the most direct way to get found in search – Google lives on text after all. But, the downside is that, because it's so easy, the competition is huge. It's still something you can crack if you find your niche, and what's unique about you. But blogging's well supported by the other methods, and ones that might seem a bit more cutting edge. Andy Brown: I've done a lot of video in other businesses that I've had over the years. Not done so much in the paper click space I'm working in at the moment. When I was in the golf industry we relied heavily on them, as you can imagine. On golf tips in small one minute, two minute videos. I still think YouTube is such a massive opportunity for small business. So, if you can offer out evergreen content, you should really take the time and you'll see the results. It's astounding. Video's great for being found, because it gets you visible on the second biggest search engine out there. That's YouTube. It's also an even better way to get your personality across – people can see you, hear you, really get to know you. But, one downside, video can be tricky to make, especially if you want it to look good. Something above the standard selfie stick guerrilla filming. But then again, that's raw, that's honest, and a lot of companies have made it work really really well for them. The other thing about video is that it's a hugely busy medium, and attention spans can be pretty low, people flicking from video to video. So, there's an alternative, and since you're listening to this show, you've probably heard of the humble podcast. Chris Marr: I loved doing video but I began to find myself listening to mono podcasts. I just thought I'd give it a go. The level of interaction from listeners is sky-high compared with video. I think it's because, podcasting particularly, can be passively consumed. You can be doing something else while you are listening to a podcast. Walking the dog, cutting the grass, you can be on the commute, you know? We've all got these smart phones with us these days, which automatically downloaded the latest episode of whatever we've subscribed to. I get to speak into people's ear drums for half an hour every week and there's thousands of people listening. I get to fill a good size local sports arena every week and speak to that many people and they're giving me their attention. I just think that's staggering. Because of that ability to consume it passively and because of that very intimate nature, I think, of having somebody's voice in your ear, it's certainly driven a lot more interaction, inquiries about doing business with us. I wish I'd done it earlier. Andy Brown: I think podcasting has really worked well for me and will work for others because of the fact that you're having a conversation. You can actually talk personally to the listeners, a one-on-one experience. It's not like an e-mail, where the reader's feeling that you're talking to everyone. This is a one-on-one conversation. That connection is what you're really going for in your marketing. We talked earlier about relationships, about building trust, building loyalty – that's what you're looking for. All three of blogging, video and podcasting can do that, and really, good marketing means doing at least two of them, if not all three. Podcasting is a funny one because it's a little bit behind the other two in terms of take up, but that might be a bit of an opportunity. When I asked Andy what he thinks the future of podcasting looks like, he was pretty emphatic. Andy Brown: It's going to be everywhere. Well, if you're sort of nerd-techy like me, it is everywhere but the mainstream will see it in a couple years time. You talk to friends, more and more they're going to be recommending podcasts. The same way that they talk about what they enjoyed on Netflix, for instance. That wasn't around a few years ago. Fast forward to three years from here and it'll just be, “What's your favorite podcast?” Even better, depending on how you do it, podcasting can be the easiest content of all to produce. Andy Brown: It's not a big deal, I record mine on my iPhone and then use an app to produce it. It goes automatically onto my feed, which is hosted on Sound cloud. It's the simplest set up you can have and it's very inexpensive. Marketing is a huge subject – it could be a series on its own – in fact I'm pretty sure we'll do just that, creating a whole season on it for this show. But, when you're getting started as a small business, less can be more. It's really easy to take on too much, to tackle every marketing method out there. But if you cover everything, just a little bit, then it's pretty likely you won't make a big impact anywhere. Sometimes it's best to choose a few key approaches and hit them hard. Concentrate your efforts and you'll see a big impact, then you can move on to the next technique. Or just double down on what's working! Whichever route you take, there's one thing that's even more important – that's' consistency. We all struggle with this. Everyone hammers their marketing in the early days, to grow their customers. That's when you've got lots of time, and not many contracts. But, what happens when the marketing works? Chris Marr: The gardener, for examples, he's got loads of gardens, he's filling up his schedule and all of a sudden, he hasn't got any time to market his business. Now, the biggest mistake that Bill could make is to not plan in time to build his business. The worst case scenario for Bill is: he stops marketing, all of a sudden he starts losing clients for some reason, or customers stop needing him. The next thing he knows, he's got no customers left or he's only got a few customers. Then he starts marketing. Marketing doesn't take effect immediately, it's something you need to be building. It's a foundational thing in your business, something consistent. It's about awareness and it's about staying top of mind and about … Reminding people you exist, basically. I love that – reminding them you exist. Chris's highlighting the fact there that big brands don't assume they can do one big campaign, and that's them in your mind forever. That just doesn't work. You fade in their minds, other brands get themselves out there and overwrite the work you've done. SO, you need to keep doing it. Keep marketing. Every day. Every week. Chris Marr: You need to pick out a time in the day where you are spending an hour or so working on your business. You need to have a plan for that. What are you doing every day to build your business? The most successful people do this….. you've got to realize that actually, you can't just do the gardening. You need to do the marketing, as well. Remember, though – that effort is so worth it. Consistent marketing helps you keep the work coming in, or the sales going out. Not only that, but GOOD marketing, makes sure those sales are to customers you actually like. Customers you WANT to work with. Remember Julie was talking about relationship marketing earlier? If you find customers that fit your personality, your values, your brand, then everything is so much easier. First, your customers stay longer, become more loyal. Next, you get more referrals because they actually like you! Ever better, you can charge more, because you're in demand and you have the social proof to justify it. Last of all, probably the most important one, it makes your work more fun. And what's the point of going into business if it's not to do work we love? Julie Christie: It's really hard to follow this advice, but my advice would be never forget who your target client is and never get desperate. I think that's when you go down that slippery slope and you start working for less money, you start working for the wrong clients. Try and stay strong, try and find that right client. It's easier said than done. This was episode 3 of UK Business Startup, and this time around I want to ask a little favour. If you enjoyed the show and it helped in just a small way in your own business adventure, would you mind popping over to the iTunes store and giving us a rating and a review. It's a huge help in getting the show out to more people. You can do it either in the Podcast app on your phone, or through iTunes on your computer. If you're not on an apple device, then, forget about this itunes caper – instead, just fire us a tweet letting us know what you thought of the show. You'll find us @thepodcasthost on Twitter. Thanks as well to everyone that helped in this episode – all of our interviewees. And you can find out more about what they do at the shownotes today which is at thepodcasthost.com/startup/103 Thanks for listening, and see you in the next one!

So what kind of business do you want to have? Perhaps you're looking at setting up on your own as a sole trader. Maybe you want to rent or buy premises and employ staff. Perhaps you're not even sure yet about which route is best for you. In this episode we're going to take a look at the different business structures why you might choose them. The 3 main trading styles are Sole Trader: You run the business, you do the work. A common route for tradespeople such as gardeners, plumbers, or hairdressers. Partnership: The name says it all. You go into business with a partner and share/run the business between you. A partnership is essentially just like a sole trader split in two. Limited Company: The route commonly taken by business owners looking to grow in size over time. Those who are looking to protect themselves legally by separating the business from themselves. Also, whatever route you choose to go down, you will have to think about how you're going to manage your finances. How do you go about doing this? Should you work with an accountant or book keeper? And what tools are available to help you keep a record of what's going in and what's going out? On this episode we'll hear from financial planner Pete Matthew, accountant Gordon Howes, photographer Julie Christie, and recruitment consultant Patricia McGuire. Transcript Hey, I'm Colin Gray and this is UK Business Startup, the podcast which takes you, step by step, through creating your own business. This, week we're talking structure. If you're starting a business, one of the first decisions – after what you actually do, of course – is what structure you're gonna follow. That's when terms like limited company, sole trader or partnership come up. And, for a lot of people, that's really scary – it sounds like your getting deep into the legalities at that point. This episode should be a big help here, though, giving you some tips on what company structure might suit you. Let's get into it! Pete Matthew: Hi. My name is Pete Matthew. I am a chartered and certified financial planner, which is just a posh way of saying I'm a financial adviser, really. Managing the finances of a business is very much like managing personal finances, but a lot of us are not very good at that, so it's important to put in good practices right from the start. If you're going to set up as a sole trader, or in a partnership with somebody else, or as limited company, you will manage things slightly different. So here's the nub of it – each type of business works quite differently, and, actually, it often works as a bit of a pathway. A lot of people start out at sole traders or as part of a partnership, and then move on to become limited companies over time. Others skip the path, though, and jump straight in as as limited. The question for most people is, where do you start? I asked Pete if that's something he's asked a lot: Pete Matthew: Yes, it is, and usually the answer to that is tax. If you're a sole trader or a partnership, you are your own entity as far as the revenue is concerned. Any profits you make as a sole trader, or your share of the profit of a partnership, becomes your income. Now if business is good, and you get to the stage where your share of the profits is more than 42 thousand, or there about, you are going to be paying higher rates tax, 40%. That's pretty steep. Whereas in the limited company, the money comes into the company, and it pays corporation tax. The difficulty with a company is getting money out. There's two ways you can get money out of a limited company, salary and dividends. It's usually the most tax efficient environment to be in a limited company, depending on your anticipated turn over. If it's going to be more than forty, fifty, sixty thousand, I would definitely look at a limited company. So Pete gives us a good ballpark there – in the region of £50k turnover? Then you might want to think about incorporating. Remember, though, there's a lot more than that goes into it, and one of the biggest is even more legal: that's liability. So, the clue's in the name – the limited in limited company, talks to the limited liability you have as the company owner or director. When you incorporate – that just means creating a limited company – suddenly that company is it's own entity. It's like a person itself. It has it's own bank account, it's own money, and it can shoulder the blame when something bad happens. That means debt, legal issues, and a whole lot more. As a sole trader, the company is YOU and only you. As a partnership, there's two of you, but it's the same idea. You're the one that takes on all the responsibility. I asked Gordon to give us some examples and we came up with a hypothetical gardener called Bill, and a café owner called Amy. His first question for Bill would be: Gordon Howes: Could you have substantial personal liability if something goes wrong? His liability when he starts out is only to himself. He doesn't have any employees. It's unlikely that he's going to reach the VAT threshold with his turn over, and he's going to be dealing with house holders.There's little point incorporating a company and operating through a limited company with the additional regulations and reporting requirements that entails, in his circumstances. In Amy's case, she ticks all the boxes for adopting a trading style of a limited company. A number of reasons, first of all, you have your liability. Liability under fruit hygiene standards, liability to public, who are wandering in and out of your premises. She's taken on a lease on the rented property, so again, she has a continuing liability there. Far better that these things are conducted through a limited company, where there is some shelter from personal liability. We also need to consider the size of our business. I think it's fairly likely that she'll cross through the VAT registration within a first twelve months of trading. It would be better for her to segregate any liability to tax that she can by having an incorporated company. Once again, she's employing people. The moment you employ staff, you are at risk. For example, if you dismiss an employee unfairly, there is unlimited liability. It makes sense for Amy to incorporate a company. So, Pete mentioned turnover as one factor, then Gordon took us to liability, company size, whether you have staff. Lots of things in there. The big thing is, this should give you an idea, but every business is different of course. It's a good idea to talk to an accountant at some point, no matter your situation. They're the ones with the numbers to hand and can give you a wider picture on the pros and cons of each approach. Talking of accountants, that's the next big question – do you need one? What about a bookkeeper. Technically, it's possible to do it all yourself as a sole trader, assuming you're happy keeping the records and totting up the numbers. Limited companies are more complicated, and generally need at least some help from an accountant. But, beyond the minimum, why might you choose to work with someone on this? Here's Julie Christie, our photographer friend, on her experience: Julie Christie: After a year in business, I realized I could not do my own accounts. So I hired a bookkeeper at that point and my bookkeeper kept my books up until a year ago, and then whenever I became a limited company, she said that, you know, I really should start thinking about getting an accountant. So I now have a bookkeeper, and I have an accountant, and I chose them because they were the accountants that she worked with, so it's quite a streamlined process. And that's been amazing for me, because all that time I would spend trying to organize my books, I can now spend actually trying to grow my business and bring some money in. Just to be clear, Julie could have done her own accounts when she was a sole trader, but she either didn't have the aptitude, or the inclination to learn! Here's Gordon again on all of those things Julie and our hypothetical gardener would have to think about: Gordon Howes: Bill is a self-employed trader. He deals with house folders, primarily his customers, and he is going to be issuing receipts. He is going to be receiving and making payments. He's probably very adept and competent at what he does during the day, but does he really want to come home at night and have to start logging every single receipt, every single payment. He's considering buying a van. Who's going to help him make the decision about whether or not he should purchase outright, lease the van, can he afford the new van? He might want to boost his income in the quiet season, over winter. If he goes to an accountant, he can use that accountant as a sounding board. His accountant will have a number of other clients who are in a seasonal trade and might be able to make suggestions that would help him look for new business, identify new opportunities, so that he can increase his workload and stabilize his income during the winter period. So, that's what it's all about. The receipts, the sales, the invoices – a bookkeeper can be a godsend in helping with that. As Julie said, why waste time on admin when you should be growing your business. And then Gordon's point around advice – a good accountant will really help you to grow your business, using all of their experience to guide you the right way. For limited companies, that's not all they do – think about Amy, our café owner again: Gordon Howes: I think Amy should certainly consider engaging an accountant early. She's got a limited company. There are reporting requirements for a limited company. Her accountant will ensure that she compliant with these reporting requirements. She's engaging staff, she's required to operate a payroll. Again, she could delegate that responsibility to her accountants. They will ensure that the payroll is filed in time, that the staffs have pay slips, and can provide her advice on HR issues if required. It's likely that she'll be registered for VAT. Once again, the accountant can ensure that the VAT returns are prepared properly, the correct submissions are made, and they're made on time. With all that in mind, which to choose? Julie worked only with a bookkeeper when she was a sole trader, and then took on an accountant too when she went limited. Me? I did my own accounts when I was sole trader, and only started working with the pros when I incorporated and started taking on staff. Which is the right path? I depends a lot on your aptitude with numbers, and how organized you are. I'm not in the slightest bit organized, so my accounts always ended up a day of stress at the end of the year. I'd take on a bookkeeper as soon as I could afford it if I had my time over. Ok, we're well into the finances now – that's a bit part of the structure. How do we organize that once we've set up the business? Pete Matthew: The first thing you absolutely must do is to keep the business finances separate from your personal finances. That obviously means a separate bank account. You don't want to be mixing the money up at all. It's a fundamental no-no. Ok, straightfoward there. Keep your money apart, no matter what structure you choose. While the new account is still just yours as a sole trader, it makes your bookkpeeing so much easier. On that note, even if you do take on a bookkeeper, there are still a few things you have to do yourself, such as sending receipts, telling them who to invoice. How do you deal with that? Pete and Patricia, here to help as always: Pete Matthew: You obviously need to keep really good records, and this is very often the problem. Receipts very quickly get out of hand. Invoicing can be difficult and difficult to stay on top of. Too many people use manual systems to do that. Patricia McGuire: Right from the very beginning of my business, I saved one morning a week to do all the accounting and the invoicing, although some people say you should invoice immediately. I personally put aside Friday morning, invoicing and doing my accounts. It's a really good idea, from an expenditure point of view, as well as a mental health point of view, to put aside time, have a clear system, and keep your receipts and expenditures very neatly filed. Recording that stuff is key – keeping track of everything. It's such a small job to do day to day, but if you leave it to pile up, it becomes huge. I mentioned I'm far from organized, so I struggled with it, but Gordon outlines why it's so important. Gordon Howes: In terms of knowing how much income you've got, Amy wants to know what her daily takings are. She has a cash register, she need to record the ZED reports, every day. She needs to keep her record of it. Bill, on the other hand, probably not so important for him on a daily basis, certainly on a weekly basis. He wants to know how much he's earned. He needs to issue receipts to clients. He needs to consider how much he's spending on petrol. Each of them have a different requirement for record keeping. No matter what type of business you run, you need to record the money coming in and going out, and either send it to your help to track, or log it yourself. The way I got around it was, the way I solve a bunch of my problems – technology! Pete says it well: Pete Matthew: There are some great software tools out there which are very, very reasonable, which can help you get off on the right footing. I use a system called FreeAgent. There's another one called Xero, X-E-R-O. And these are great, low-cost accounting systems which you can get going with really easily. It really is just about making sure you know what's coming in from what sources, you're keeping really good records. I use FreeAgent too, check it out at thepodcasthost.com/freeagent. But any system of that sort will let you do invoices, track receipts, create reports, and it's actually really useful to use it with your bookkeeper or your accountant. It ties everything together into one neat little package. If you're still struggling to decide on whether you should take on the help, I'll leave you with Julie's ringing endorsement here. Remember, do what you do best, and leave the rest to an expert! Julie Christie: Every year, end of January, all my fellow photographers are on Facebook moaning and groaning about filling in their tax returns. They're staying up all night for three nights in a row, and I have nothing to do. It's all done. I really can't recommend it enough. Thanks for listening to this episode of UK Business Startup, a podcast which takes you step by step through starting a business. This episode was all about the structure of your company, and how it manages its finances. If you want a recap and links to everything we've mentioned here, go to thepodcasthost.com/startup

Financial Planning with Pete Matthew Pete Matthew is a Chartered Financial Planner, Certified Financial Planner, and Managing Director of Jacksons Wealth Management. He also runs his own business for MeaningfulMoney.tv, a website that conveys Pete's belief that financial planning is really simple and for a lot of people. You may reach out to Pete through his website MeaningfulMoney.tv or you may also connect with him on Snapchat and Twitter – @petematthew. Helping people with their finances Pete, together with his company Jacksons Wealth Management, help their clients organise their finances to achieve their goals. Back in 2009, Pete felt that he wanted to help more people – more than the 1-to-1 financial planning help he's providing through the company. This […] The post Financial Planning with Pete Matthew appeared first on New Media Europe.

MPAF63 – Martin Bamford and Pete Matthew: Should You Launch Your Own Financial Services Podcast? In this episode I chat to two of the UK Financial Services Industry’s most successful podcasters. Martin Bamford of the Informed Choice Podcast and Pete Matthew of meaningful Money join me to talk about our experiences using this awesome broadcast medium. We share our experiences on putting a podcast together, how much business we’ve generated as a result, and give out some tips on how you could launch your own Podcast really easily and quickly. That's all right here in Episode 63 of the Marketing Protection and Finance Podcast. Who are Martin and Pete? Martin Bamford is a Chartered Financial Planner and Managing Director of Informed Choice based in Cranleigh, the biggest village in England. Pete Matthew is a Chartered Financial Planner and Managing Director of Jacksons Wealth Management in Cornwall. Pete's Meaningful Money Podcast was voted Best UK Podcast at the UK Podcast Awards in September 2015. Links and Show Notes. For links to the books and apps mentioned, please visit http://rogeredwards.co.uk/MPAF (http://rogeredwards.co.uk/MPAF) for the show notes. What is the Marketing Finance and Protection (MPAF) Podcast? It’s the Podcast for Financial Services Professionals looking to share business ideas and inspiration in the world of Marketing, Protection and Finance. The MPAF Podcast is a 30 minute audio show you download from http://rogeredwards.co.uk/MPAF (http://rogeredwards.co.uk/MPAF) , iTunes or Stitcher Radio. Each week I’ll be interviewing financial services providers, advisers, experts and journalists. Interviews to listen to in the car, on the train or on the treadmill. The main focus of the podcast is on what we can do to make protection and finance more accessible to the consumer and how financial services professionals can develop and promote their businesses. We’ll look at financial services products, interesting business models and campaigns with an emphasis on the following: Marketing – talking about how financial services professionals can develop and promote their businesses using traditional marketing tools but focussing on modern content marketing and social media techniques. Protection – talking about life insurance, critical illness, income protection and other protection products Finance – talking about pensions, platforms, savings and investments My aim is to make sure that you will get one or two big business ideas that you can apply to your own business. Whether it is a sales idea, advice idea, product tweak or simply an app that is worth looking at. I’m your host, Roger Edwards. A marketer for 25 years now in business to help you with your business strategy, marketing and social media. I’m the ex-MD of Bright Grey and Scottish Provident and before that held many executive marketing roles. Please subscribe to the Podcast on iTunes and I’d be grateful if you would leave a review. http://rogeredwards.co.uk/itunes (http://rogeredwards.co.uk/itunes) Fancy Appearing on the Show? Would you be interested in appearing on the MPAF Podcast? Are you working on a new proposition, campaign or a business model you want to talk about? Do you fancy drawing out some inspirational business and marketing ideas that MPAF listeners can take away to use in their own businesses? Do please contact me if you want to get involved. http://rogeredwards.co.uk (http://rogeredwards.co.uk)

Normal 0 false false false EN-GB X-NONE X-NONE /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin-top:0cm; mso-para-margin-right:0cm; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0cm; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-fareast-language:EN-US;} MPAF14 – Pete Matthew on using Audio and Video to Drive Adviser Leads This is the Podcast for providers and advisers looking to share business ideas and inspiration in the world of protection and finance. Traditional marketing communications is all about promotion. Promoting a product, service or person. In the digital space however, individuals and companies now see marketing as education and themselves as teachers. And they produce content that educates their customers rather than simply sells a proposition. One well-known UK financial adviser demonstrates the power of this approach. His website, Meaningfulmoney.tv showcases nearly 300 videos and a weekly audio podcast that’s just hit episode 75. This audio and video content creates quality leads for is adviser firm. My guest on Episode 14 is Pete Matthew. Hear how he began thinking of himself as a teacher as well as an adviser. Hear how he developed MeaningfulMoney.tv and created his audio and video content. Listen to his tips on how to create high quality content on a modest budget, and how this can drive more leads to your business. Who is Pete Matthew? Pete describes himself as a very content husband and father of two wonderful children. He’s also a Chartered Financial Planner, a Certified Financial Planner (CFP) and Managing Director of Jacksons Wealth Management in Penzance, UK. You can tell that Pete just adores the internet and everything about it.  He’s an Apple addict and gets so excited about the possibilities of Social Media and how it can change the world. Pete has also set up a website called Meaningful Money. Here you can find many self-produced videos about all aspects of financial services and 75 episodes of The Meaningful Money Podcast. I would describe Pete as one of the most prolific content creators in the UK financial services industry and I am really looking forward to chatting about all the great content came about. For links to the books and apps mentioned by Pete please visit  http://rogeredwards.co.uk/mpaf (http://rogeredwards.co.uk/mpaf) for the show notes. What is the Marketing Finance and Protection (MPAF) Podcast? The MPAF Podcast is a 30 minute audio show you download from http://rogeredwards.co.uk/mpaf (http://rogeredwards.co.uk/mpaf) , iTunes or Stitcher Radio. Each week I’ll be interviewing financial services providers, advisers, experts and journalists. Interviews to listen to in the car, on the train or on the treadmill. I’ll be asking what we can do to make protection and finance more accessible to the consumer. We’ll talk about: •             Marketing, communications and propositions. •             Financial and protection products •             Interesting business models and campaigns as well discussing how advisers can promote their own businesses using modern content and social media methods. My aim is to make sure that you will get one or two big business ideas that you can apply to you own business, whether it is a sales idea, advice idea, product tweak or simply an app that is worth looking at. I’m your host, Roger Edwards. A Marketer for 25 years, ex-MD of Bright Grey and...

This week, no two ways about it: we had a bit of a moan. Yes, we each picked three items to go into our personal Property Room 101 – an idea we shamelessly “borrowed” from Pete Matthew, who did his own Room 101 on the Meaningful Money Podcast a while back. We thought we were […] The post TPP075: Property Investment Room 101 appeared first on The Property Hub. See omnystudio.com/listener for privacy information.

Pete Matthew is a chartered financial planner and has long been interested in property. He set up the Meaningful Money website and podcast, and has a passion for educating people and helping them plan financially for their future. See this episode on the Property Geek site: https://www.propertygeek.net/podcast/financial-planning-pete-matthew