Podcasts about premium bond

There are just a few days to go until Rachel Reeves stands up in Parliament to deliver her first Budget as Chancellor. Since the Labour Party won the election in July, there's been a huge amount of speculation about what she might do to plug what she calls a 22 billion pound black hole left by the previous government. The Treasury says it does not comment on speculation around tax changes outside of fiscal events. But what tax changes might she make and how are people already preparing?Figures seen by this programme suggest 2.5mn households will face tough decisions this winter about choosing whether to heat their homes or put food on their table. That's an increase of 400,000 in just a few months. The numbers come from official data modelled by the consultancy firm Baringa and indicate many of those who will be affected this winter are middle aged people struggling to get by.What do changes to Premium Bond rates mean for savers and where are the best deals at the moment?And, as the Financial Conduct Authority cracks down on some so-called “finfluencers” – for potentially giving money advice illegally – how can you spot the good from the bad?Presenter: Paul Lewis Reporters: Dan Whitworth, Jo Krasner and Emma Smith Editor: Jess Quayle (First broadcast 12pm Saturday 26th October 2024)

This podcast covers episodes 11,397 to 11,404. Bethany celebrates the anniversary of Sinead's death with orange juice and shouting at Daniel. Toyah and Nick cannot hide their feelings for each other anymore but are careful to keep it on the down low. Gail recovers well from her heart operation but comes out of anesthesia with a proposal for Jesse. Cassie and Ken prepare for their holiday to Portugal as Adam learns of the Premium Bond win. Dev is persona non grata when he refuses to pay Chesney while the kebab house is closed and misjudges a balloon trick at the quads' birthday party. Kit uses his friendship with Ryan to learn of ways to impress Daisy. Gary is furious when he learns that Mason has been spotted in conversation with Liam. While the police have their attention focused on Dee Dee for Joel's murder, a number of other suspects float to the surface. Bernie is greedy for ashes. Swain is on Junior Disprin. That's not a spreadsheet.

In the latest episode of the pod Andy's talking about: Everything you need to know about the latest Natwest bank switching offer The Premium Bond prize rate is about to drop - so is it time to ditch them? For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by Andy Webb and Amelia Murray from the award winning personal finance site becleverwithyourcash.com. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR 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 podcast covers episodes 11,349 to 11,352. Ken considers using his Premium Bond win to help replace Amy's lost inheritance until Cassie whispers in his ear about his future. Rowan paints himself as a victim of the Institute in the hope that Leanne will hand over her incriminating data. Ruby's birthday is put into the shadows when Alina announces that she plans to return to Romania with Dorin. After a tip-off from Betsy, Carla throws herself at the mercy of DS Swain regarding her BMX Bandit hit-and-run. A hungover Billy retraces his steps to find his lost phone while at the flat, Summer notices Paul having difficulty breathing. David appreciates a good crisp. Sam needs stimuli. Toyah's chili is treated with distrust.

Alfred Hitchcock's 1954 classic Dial M For Murder is a celebrated work that has been remade for both the big and small screen, and the stage, and which concerns the tale of a cheating wife, a scheming husband, and an elaborate murder plot. In 2007, a court in South Wales was to hear it's very own version, and just how life imitated art... The episode contains details and descriptions of crimes and events, including descriptions of a sexual nature, that some listeners may find disturbing and or distressing, so discretion is advised whilst listening. Music used in this episode: "The Descent" by Kevin Macleod. All music used is sourced from https://filmmusic.io/ and used under an Attribution Licence (https://creativecommons.org/licenses/by/4.0/) Playlist Tracks City Parking - It's Mad Round Here Githead - Take Off The True Crime Enthusiast's Fundraiser For Macmillan Cancer Support References R v Marsh | [2009] EWCA Crim 2696 | England and Wales Court of Appeal (Criminal Division) | Judgment | Law | CaseMine Justice for Stephen Marsh (mojuk.org.uk) BBC NEWS | Wales | Lovers' 30-year murder sentence BBC NEWS | Wales | South West Wales | S&M pact 'led to wife's murder' BBC NEWS | Wales | South West Wales | S&M lover describes wife murder BBC NEWS | Wales | South West Wales | Murder trial told of bondage find BBC NEWS | Wales | South West Wales | Trial hears of 'knife fantasy' BBC NEWS | Wales | Man guilty of plotting wife death BBC NEWS | Wales | Marsh - womaniser and alcoholic BBC NEWS | Wales | South West Wales | Murder lovers trapped by texts BBC NEWS | Wales | South West Wales | Trial of 'amorality and bravado' BBC NEWS | Wales | Man loved murdered wife 'to bits' BBC NEWS | Wales | Accused husband 'happy' with wife BBC NEWS | Wales | Murdered wife had 35 stab wounds  Victim was 'a unique and wonderful person' - Wales Online Suspect 'talked of having wife killed' claims teenage mistress | Daily Mail Online Murderer hopes pet dog can free him from jail - Wales Online LOVE YOU TXT 'LED TO MURDER' - Mirror Online 'Killer 'ugly inside' says husband' diff viewer (0/1) - News Sniffer Murderer demands right to financial investments after Premium Bond ban (telegraph.co.uk) Crimes Against British Sikhs: Perverted English man arranged brutal murder of his Sikh wife Murderer loses conviction appeal; wales newsbulletin. - Free Online Library (thefreelibrary.com) Another mistress tells of knife fantasies of accused. - Free Online Library (thefreelibrary.com) Husband charged with killing wife - Wales Online Husband 'sent mistress to stab wife to death' | Daily Mail Online Mistress murdered wife with 35 stabs - Wales Online BBC News - Wife killer loses murder appeal Accused told mistress: I'm going to kill Jas - Wales Online Kill threat 'was in jest' says murder suspect - Wales Online 'I was brainwashed' claims murder accused - Wales Online Text killer's violent rages - Wales Online BBC NEWS | Wales | Murder accused 'sadistic' claim BBC NEWS | Wales | South West Wales | Lover told 'monumental lies' - QC Follow/Contact/Support The True Crime Enthusiast Podcast Facebook Facebook Discussion Group Twitter Instagram Youtube Website TTCE Merchandise Patreon Page Remembering Jaspal. This episode is dedicated to her.

In the latest episode of the pod Andy is talking to Deputy Editor Amelia Murray about the stories from the last week that most affect your money, including: UK Base rate cut Labour tax plans Premium bond chances And more! For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL   twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   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 

On this week's podcast Danni and Laura cover the all important inflation figure, which showed the headline number had moved in the wrong direction. That surprise shift had a knock-on effect on markets, so we look at the winners and losers there. The ongoing issues in the Red Sea are having an impact on companies, including Shell, but also are a risk to inflation, so we delve into the potential effects on prices. In the markets segment we also cover what the latest jobs figures mean for the health of the economy, and for recruitment firm Page Group, and we look at the impact of the new boss at BP. As interest rates are still expected to be cut this year, it's no surprise that savings rates are falling. We've got some news about the Premium Bond prize fund falling – which might signal the end of great rates for savers. And as more people are dragged into the next income tax bracket, Laura has got some helpful advice on how to navigate that. Our interview this week is Mark Seidenberg, lead portfolio manager of the Allianz Technology Trust, about the technology space and his outlook for the year ahead.

After a good year for Premium Bonds when the only way was up for the prize fund rate, savers got a blow this week as a cut arrived. The prize fund rate is being cut to 4.4 per cent from 4.65 per cent.   That edges the average return - which you may or may not get - from Premium Bonds further below the best savings deals, so should you save instead? Or would many Premium Bond holders be better off investing? On this podcast episode, Georgie Frost, Lee Boyce and Simon Lambert discuss whether Premium Bonds stack up. Plus, as the US securities regulator aproves bitcoin ETFs, is the price now headed for $200,000 as some suggest, or could this be enticing more naive investors into the volatile world of crypto that's been dogged by fraud? Later, Lee reveals his car insurance woes - and shares tips on how to deal with your own renewal quite pain. And finally, find out who on the podcast team is not drinking for January, who is taking an extremely haphazard approach to it, and who is planning to go all the way to Easter, as we discuss the no and low-alcohol beer boom and the ones we rate the best.

This week the team talk about money, finance, 'fintech' stuff and the products we use: Rafe's been using 'helpful' tools including HM Revenue and Customs' app to manage his tax and NS&I's app to check for Premium Bond wins. He's also tried the 'green' debit card Tred. Ewan's also been big on Open Banking for money management trying Plum to setup rules and games to encourage saving. [Rafe says "also look at similar apps like Emma and Snoop"]. Ben still uses You Need a Budget and virtual debit cards from Monzo. He's also using Monzo's built-in 'round-up' feature to save 'passively'. He's also using Chip which offers a (sort of) savings product marketplace. The team wonder where 'the Monzo of credit cards' is and question if 'buy now, pay later' is the same thing, talk about mortgages for a bit, and consider if 'packaged bank accounts' are popular again. Get in touch! Let us know your thoughts or topics you'd like to hear about in future via the website (https://www.361podcast.com/), Twitter (https://twitter.com/361podcast) (if you must) or Mastodon (https://mastodon.social/@361podcast) (preferred).

Help with your online tax, our new SODAR wind monitor, shortage of tea shops, senior citizens home equipment query & Manx Premium Bond holders advisory. It's Mannin Line with Andy Wint #iom #manninline #manxradio

Nurses' strike latest, Scoill Vallajeelt traffic problems, bus driver's COVID concern, Ravens on Merseyside tonight, keeping your pet cool & The Manx Premium Bond Mystery. Update with Andy Wint #iom #news #manxradio

In the latest episode of the pod I'm talking about: How to beat the new Disney+ price changes Which student bank accounts have the largest 0% overdrafts and best freebies Whether the increased Premium Bond prize rate is better than savings A listener question about keeping track of savings interest My deals of the week For links and further reading head to becleverwithyourcash.com/cashchats333 ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash   youtube.com/andyclevercash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence       

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's episode Damien delves into the wisdom of renowned investors, extracting lessons from their famous quotes on investing. Damien then reveals the latest pocket money trends in the UK, breaking down the average amounts paid by region, age and chore. Finally Andy discusses why investing in Premium Bonds has become more attractive.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Get 5% on instant access savings MTTM Podcast episode 291 Avergage pocket money paid to children throughout the UK in 2022 Premium bonds - Notional interest rate increased to 4.65% from September How do premium bonds work and are they worth it?

In the latest episode of the pod I'm talking about: What the latest Bank of England hike to 5% means for your money Whether Premium Bonds are worth it How much you'll need to spend to use supermarket loyalty points A listener question about the minimum earnings needed for a full NI year contribution My deals of the week For links and further reading head to becleverwithyourcash.com/cashchats325 ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash   youtube.com/andyclevercash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence       

In the latest episode of the pod I'm talking about: Making sure you get the full State Pension Halifax's new £175 switch deal Changes to Boots Advantage scheme Haggling with Virgin Media The highest paying Cash ISAs for 2023 Is a £1 Premium Bond worth it? For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast was "Show of the Week" in the Radio Times, and it has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money.  Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash   youtube.com/andyclevercash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence       

Laura Suter and Tom Sieber bring you the podcast this week. We've got not one, but two inflation updates for you, and we'll look at how markets reacted to the news. We look at a dodgy start to UK banks reporting season from Barclays and shedding light on why Lyft stock crashed this week. We've also got the latest update from everyone's favourite savings company, NS&I, with a boost to the prize fund for Premium Bonds, and our fund manager interview this week is with Tom Caddick, Head of investments at NedGroup investments, about where he sees opportunities in the current market. Finally, we've also got the first in our series of interviews with investors, talking about why they invest and how it makes them feel. Matt spoke about his journey into investing, with a few key life moments spurring him on, from having a daughter, to getting a windfall of money.

Today on The Day After, (09:14) Headlines: King Charles says there's no place for Andrew at Buckingham Palace, Ukraine hit with missiles day after US and Germany agree to send assistance, Ron DeSantis bans African American Studies in Florida (15:37) The Rotation (26:58) Headlines: Biden urges calm as video footage of police murder case is released, Republican lawmaker George Santos admits to being drag queen when younger, Transgender rapist Isla Bryson moved to men's prison (32:08) Word on Road: Lotto Ash shares testimony about being saved from mental health, Netflix are gonna start charging for sharing passwords, Randy gonzalez tiktok star dies at 35 (39:21) The People's Journal: Life insurance firm DeadHappy defends Harold Shipman advert, Hundreds of thousands are paying wrong tax fines, Premium Bond prize rate hit highest for 14 years, Hunt to set out plan for growth as criticism mounts (54:53) What you Saying? The Race Game: Does it do more harm than good? (01:55:24) Sis What Would You Do? (02:01:22) Headlines: Dad's warning after daughter dies after inhaling deodorant, Tech from Avatar Films will be used in disease research, Archaeologists find gold leaf-covered mummy sealed inside a sarcophagus (02:05:36) The Reaction: Wigan sack Kolo Toure as manager after 2 months, Eubank Jr's team considering appealing Smith loss, Yarde takes on Beterbiev in the biggest fight of his career, Joshua agrees terms with Franklin for April return (02:21:11) Done Out 'Ere: (02:26:14) Outro --- Send in a voice message: https://podcasters.spotify.com/pod/show/thedayaftertnb/message

The New Year has arrived and with it promises of inflation falling and a ray of hope on energy bills. But even if Rishi Sunak halves inflation, as he claims he will, it would still be running at 5 per cent and his promise to get Britain back to growth may prove harder than the simple maths that sees inflation slow. Meanwhile, a slowdown in the rise of the cost of living doesn't mean things will get cheaper and the better energy price forecasts will still see costs at more than double what they were a year ago. So, will 2023 prove better or tougher for our finances? Georgie Frost, Helen Crane and Simon Lambert delve into the prospects for the year ahead on this podcast. Plus, what is on the cards for the property market, for pensions and savers and why is Divorce Day tipped to be even bigger this year? And finally, the year is going to better financially for at least one person: the lucky January £1million Premium Bond winner who bagged the jackpot with less than £5,000 saved. Is it time we all stuck more in Premium Bonds, as the prize find is boosted?

The Chancellor announced a series of new grants to help with rising energy bills, including £400 for all and more for those on low incomes. Andy takes you through who gets what, when and how. Also the Premium Bond prize rate has increased from 1% to 1.4% (are they now better than savings accounts?) and Amex has revealed the return of Shop Small (find out how to make the most of the promotion). Plus, Andy answers a listener question about the recent Lloyds bank switch offer and shares his deals of the week. For links and further reading head to becleverwithyourcash.com/cashchats248 ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. The podcast has been featured as one of the top money podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent. In 2021 and 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash   youtube.com/andyclevercash   GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence     

This week, Laura Suter brings us the latest energy price cap news, with an explanation of what's going to happen in the coming months. She also has a guide to how to squeeze the most out of your credit cards, and some good news for Premium Bond holders. Danni Hewson is here with all the markets news, including Snap's profit warning, the impact of lifting tariffs in China as it emerges from lockdown, and the latest on those suggestions of a windfall tax. We're dabbling in football this week, too, with news on the Chelsea takeover, and Danni will be looking at the latest retail figures. We also have pensions guru Tom Selby back with Pensions Corner, looking at the rules around auto-enrolment and how much you should actually be paying in. And Tom Sieber has an interview with property investment company Industrials REIT, following Amazon's comments that it's no longer chasing physical space.

Have Premium Bonds turned you into a savings winner, or are you one of the losers who have been missing out on prizes for years? On this week’s podcast we dive into Britain’s beloved savings lottery, looking at who holds the most Premium Bonds, who wins and who doesn’t. NS&I revealed exclusively to This is Money this week that an astonishing 43 per cent of bonds are held by just 4.3 per cent of savers – that’s £56billion out of the £107billion total. Or to put it another way every £2 out of £5 saved belongs to less than 1million savers out of a total 21.4million. That may go some way to explaining why close to three-quarters of Premium Bonds savers haven’t won a prize in 14 years. Georgie Frost, Lee Boyce and Simon Lambert dig into the statistics, deliver a theory on how much you might need to hold to bag at least one prize a year, and look at whether Premium Bonds are worth having. They are certainly popular and that’s why Nationwide has launched a savings lottery – is that worth signing up to as well? In crypto corner this week, we discuss the crash, the rebound and the slump again, along with banned adverts and Chinese crackdowns: is this the end of the recent hot phase or just another average week for bitcoin to take in its stride? Also, on the show, paying bills with commemorative coins – and what legal tender really means, why self-storage is the latest thing in short supply and who is investing’s Czech Sphinx?

A staggering 21 million people currently hold at least one Premium Bond, with the total fund approaching £100 billion! But with a recent cut to the prize rate, and therefore a smaller chance of winning, are they worth it? Or can they actually beat easy-access saving rates elsewhere? To discuss all this I'm joined by my friend Helen Saxon, who also happens to be the Banking Editor for Money Saving Expert. * Please do leave a review and rating if this saves you money. * LINKS Money Saving Expert's Premium Bonds guide Money Saving Expert's Premium Bonds calculator Andy's guide to the best savings accounts 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 Money Bloggers community annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5’s Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash     GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/   MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Every year Collins Dictionary chooses its word of the year and just three months into 2020, it feels like coronavirus might be a shoe-in for the title. But among the other words likely to be picked as high-fliers, it seems that furlough will also be in with a shout. Until a few weeks ago, it's unlikely many people had ever considered what being furloughed would mean, but now it's the topic on many workers’ minds. The concept of asking workers to go on furlough lies at the heart of the government’s coronavirus jobs rescue scheme – as it seeks to stall firms making people redundant and offers to pay 80% of their wages up to £2,500 a month. But is picking up the wage bills of big businesses a wise move, will it help save jobs and is the price worth paying because the cost of not doing it is worse? On this week’s podcast, Simon Lambert, Lee Boyce and Georgie Frost discuss what it means to be furloughed and whether the emergency plan can work. They also look at the travel industry chaos and how airlines attempts to dig themselves out of a hole by dodging cash refunds is backfiring. Why aren’t people getting money back for cancelled flights – and is there a way forward that could help airlines and customers? Also on the agenda are the household bills rising at just the wrong time – and finally, at the opposite end of the scale, how did Agent Million deliver this month’s Premium Bond jackpot news to the lucky winners while still managing social distancing?

With interest rates so low and this week's announced cut to Premium Bond prizes, is it still worth saving? Frank spoke to business expert Jamie Delargy See acast.com/privacy for privacy and opt-out information.

Checking in. Saying hello to a few friends and telling you all what I've been up to. Don't want to give too much away here so please listen. Rondotcabs@gmail.com Love ROn

National Savings and Investments has launched Ernie 5.0 – its fifth generation machine that draws the Premium Bond numbers. It now takes just 12 minutes for numbers to be generated by the Electronic Random Number Indicator Equipment compared to 10 days back in the early 1970s. This week, editor Simon Lambert, assistant editor Lee Boyce and host Georgie Frost answer the question – what would you do if you gained a windfall, big or small, either from the Premium Bonds or by other means? What does it mean to win big and what are the first things you need to think about if you’re lucky enough to come into some cash? And when it comes to gifting some of your windfall to children, should it go towards their student loan, help with a house deposit, put in a pension or help them get involved in investing? We also discuss a 57-year-old reader who was the latest star in our regular Money Pit Stop series, who wants to make sure his own investment portfolio can withstand downturns and provide him with a good income at retirement. Additionally, after we launched our This is Money Diaries this week, we reveal the concerns our 28-year-old first Guinea Pig has – and why we want the younger generation to get involved.

This week on the show, I take a closer look at the new government white paper which aims to fix our broken housing market. The housing white paper, ‘Fixing our broken housing market’, was published earlier this week by the Department of Communities and Local Government. In this episode I will take you through the key proposals in this white paper, look at some of the reaction, and then share my own thoughts on how we might fix the broken housing market. There's also a real life case study of a 25 year old who is desperate to get onto the housing ladder, and my suggestions for her. Personal finance news update Our newsreader this week is Informed Choice paraplanner Victoria McNulty. -An unmarried woman whose long-term partner died has won a landmark legal battle that could improve the pension rights of unmarried couples in the public sector.  -Annual house price growth slowed in January, with this trend expected to continue during 2017.  -The Financial Conduct Authority (FCA) has published a new Discussion Paper seeking views on the practice of investing in illiquid assets through open-ended funds.  -Premium Bond holders will have a lower change of winning the biggest prizes from May. -Tax as a share of the UK's income is set to rise to its highest level since 1986. Get answers to your personal finance questions Do you have a personal finance or investing question for Martin? Email martin@icfp.co.uk or ask on Twitter @martinbamford. You can call our dedicated podcast voicemail line on 020 8144 2745 with your question or visit www.icradio.co.uk/voicemail to leave an online voice message. Aftershow links -Unbiased Awards 2017 -Master Investor Show -Brain Maker: The Power of Gut Microbes to Heal and Protect Your Brain - for Life, by Dr David Perlmutter

In this episode of Informed Choice Radio, Martin explains why so many people are seeing an amount deducted on their new State Pension forecasts. There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Why are they reducing my State Pension? Martin answers a listener question from Nigel, who has discovered he and his wife are due to receive lower State Pensions because they were previously contracted-out. Lots of people are finding themselves in this position; in fact, most people have been contracted out of the additional state pension at some point in their working lifetime. Martin explains how the old State Pension system worked and what it meant to be contracted out of the additional State Pension, and also how to find out if this was the case. He explains the ‘contracted out pension equivalent’ or COPE which is appearing on so many State Pension forecasts for people reaching State Pension age on or after 6th April 2016, and what you can do if you want to top-up your State Pension income. Personal finance news update -The US Federal Reserve has left interest rates unchanged ahead of the US Presidential election next week. -Price inflation in the UK is set to soar to 4% towards the end of next year, according to a leading think tank. -UK houses now cost six times annual earnings, according to the Nationwide. -£53.9m in Premium Bond prizes remain unclaimed, according to National Savings and Investments. -The State Pension is no longer fit for purpose, with newly published government data revealing the fragility of the State Pension system. Useful links mentioned in this episode –State pension top up calculator –The Pensions Advisory Service briefing note on topping up your State Pension Get answers to your personal finance questions Do you have a personal finance or investing question for Martin? Email martin@icfp.co.uk or ask on Twitter @martinbamford. You can call our dedicated podcast voicemail line on 020 8144 2745 with your question or visit www.icradio.co.uk/voicemail to leave an online voice message. Help us spread the word! Thank you for listening to this episode of Informed Choice Radio. Please use the comments section below to share any feedback you have. If you enjoyed this episode, please share it by using the social media buttons on this page. If you enjoy the show, please subscribe in iTunes and write us a review! Reviews really help us stand out from the crowd and reach more listeners. Our latest iTunes review Look at learning about the world of finance – start here! ***** in iTunes by David Dhannoo from UK on October 31, 2016 I’ve been listening to this podcast since Jan-Feb this year – I like Martin’s insights and the guests he has on. I find a lot of finance content stuffed with jargon but this podcast is easy flowing and have learnt a lot since tuning in from the start of the year. Definitely give this podcast a listen!

How are random numbers used in computing and mathematics to give useful iinformation: http://www.gresham.ac.uk/lectures-and-events/might-as-well-toss-a-coin-how-random-numbers-help-us-find-exact-solutionsRandomness is clearly important in computer games and in the Premium Bond prize draw. But it is perhaps surprising that random numbers can also help us find the solution to well-defined business problems. This lecture looks at the role of randomness in computer algorithm, conducting a live experiment to use random numbers to calculate the mathematical constant - Random numbers can be a valuable problem-solving tool, used to help solve difficult industrial problems and determine the optimal choice of business strategies.The transcript and downloadable versions of the lecture are available from the Gresham College website: http://www.gresham.ac.uk/lectures-and-events/might-as-well-toss-a-coin-how-random-numbers-help-us-find-exact-solutions Gresham College has been giving free public lectures since 1597. This tradition continues today with all of our five or so public lectures a week being made available for free download from our website. There are currently over 1,500 lectures free to access or download from the website.Website: http://www.gresham.ac.ukTwitter: http://twitter.com/GreshamCollegeFacebook: https://www.facebook.com/greshamcollege

Funding for Lending one year on - what has the impact been for savers and borrowers? Peer-to-peer lending - higher risks, but also higher rewards. And how the odds of winning the premium bonds just got lighter. See acast.com/privacy for privacy and opt-out information.