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This week, Premium Bonds are the most popular saving product in the UK - but should they be? How do they work, and do they represent a sensible home for your money? That’s our focus today. Host, Ed Monk, and his occasional guests provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.
Resident Doctors, GP Funding, and Tax Trivia: Medics Money Podcast Episode In this Multidisciplinary Team (MDT) Medics' Money podcast episode, resident doctors voice frustrations regarding pay and working conditions, leading to discussions of potential industrial action. Dr. Cyra Mackintosh shares her personal experience with stressful specialty applications and her upcoming move for a histopathology training post. The episode also features contributions from specialist medical accountant Andy Pow and Dr. Ed Cantelo, who highlight major issues in GP funding, discrepancies in government financial support, and unravel the recent news surrounding VAT on Premium Bonds and trade agreements. An entertaining segment dives into VAT trivia, emphasising premium bond efficacy and the implications of NAO and McCloud pension judgments on doctors' finances. 00:00 Introduction and Frustrations with the Government 01:08 Welcome to the Medics Money Podcast 01:32 Dr. Cyra Mackintosh's Exciting News 04:51 Discussion on Resident Doctors' Strike 15:43 Tax Trivia: VAT on Food and Medical Procedures 25:47 Pensions and McCloud Judgment Updates 27:59 Tax Refund Adjustments and Annual Allowance Charges 28:44 The Impact of Annual Allowance Tax on Doctors 30:03 Self-Identification for Annual Allowance Tax Refunds 31:11 Medics Money: Connecting Doctors to Specialist Advisors 32:57 UK-India Trade Agreement and National Insurance Exemptions 37:22 GP Funding and Contract Issues 46:07 Premium Bonds: Not an Investment 49:26 AISMA Conference and Final Thoughts
In this week's AJ Bell Money and Markets podcast, Charlene Young and Laura Suter break down the latest headlines affecting your finances and investments. We cover Tesla and Netflix earnings (05:11), how political uncertainty in the US is driving gold prices higher (03:22), and what NS&I's latest savings rates mean for savers (14:29). Charlene reveals the real odds of winning with Premium Bonds after an FOI request (12:21), and Tom Sieber from Shares magazine joins to explore whether fund managers with hands-on industry experience hold a performance edge (09:39). Dan Coatsworth speaks with Peter Fitzgerald from Aviva Investors about how rising tariffs are shifting investment strategies (19:16), and pensions expert Rachel Vahey explains how tax-free cash works when taking money from your pension (31:37).
Have you ever won big on Premium Bonds?Welcome back to The Chris Moyles Show on Radio X Podcast. This week we discovered that someone on the show is the voice of an advert…We had the one and only Chesney Hawkes in the studio this week ahead of his comeback to music, and he could neither confirm or deny whether he is or isn't doing Celebrity Big Brother, but he did confirm his love for Nik Kershaw.We let your impulsive thoughts win when we played out more of your WhatsApp messages. We love hearing your voices in the studio but some are better than others, pass it on…And finally, 20 Seconds To £20k returned, and the aim of the game is the name of the game, all you have to do is name the track in 20 seconds. Some find it harder than others, so prepare to shout at the radio, or if you're Johnny Vaughan, prepare to shout on the radio…It's been a hell of a week so listen out for these devils:Pippa's sexy voiceSimon Rimmer rests his beefDom's deep in Saint James Enjoy!The Chris Moyles Show on Radio XWeekdays 6:30am - 10am
You ask, Martin answers. A must-listen at this crucial time of year. Martin and Adrian go through the big questions from you as a number of big changes come into force. Plus you tell us about customer service done well, and Adrian tackles a mastermind on credit scores. You can email the podcast team via martinlewispodcast@bbc.co.uk.
In the latest episode of the pod Andy & Amelia are talking about the latest cut to the UK Base Rate, what's in Andy's physical and digital wallets and Premium Bonds explained: UK Base Rate cut to 4.5% What's in my wallet? Premium Bonds explained For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. 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 time… Premium Bonds… are they unique to the UK? Coronation Street AXED? How reporting is so different between sources. Youtube viewers like Andy and Nick are losing patience with the length of videos, the ads, and the moaning vloggers! Real bread week… why is sliced white so dreadful? We note the death of actor Brian Murphy and discuss 70s sitcoms. Why are tomatoes so tasteless? Finally… a good news story about a well-travelled cat! Its all here! Get in touch via our website: twovoices.co.uk
In the latest episode of the pod Andy & Amelia are talking about: Section 75: the ultimate purchase protection from your credit card How to save money on your Christmas dinner The latest update on 3 savers with 50K each of Premium Bonds 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
On this week's AJ Bell Money & Markets podcast: the US-focused fund manager with a market-beating performance over the past 12 months and where he sees markets going next Stateside. The team talk ChatGPT and why car insurance should get cheaper next year. You can also hear about the challenges facing automotive companies, an expert on UK shares and big changes to Premium Bonds. Takeovers continue to come thick and fast on the UK market and Dan Coatsworth is here to talk about the latest deals being made. Tom Sieber also updates on the challenges in the automotive sector and why Elon Musk is being denied $56 billion. [10:52] Cormac Weldon from the Artemis US Select Fund talks to Dan about what Donald Trump could do next, and where he sees the US market heading in 2025. His fund has returned 38% in the 12 months to 2 December 2024 versus 33% from the S&P 500 index, in sterling terms. [14:07] Drivers could be in line for a £50 car insurance saving next year, predict experts. That's down to an important change in how personal injury compensation payments are calculated. Tom explains all. [26:27] Dan has been celebrating ChatGPT's second anniversary by digging into the impact it's had on companies. [29:03] Amid news that NS&I is cutting the effective rate on Premium Bonds from January, Tom asks if the savings products are still worth it. [34:56] We also hear from Polar Capital UK Value Opportunities Fund manager Georgina Hamilton on the outlook for UK shares in 2025. [37:21]
In the latest episode of the pod Andy & Amelia are talking about: Our December savings update Premium bonds cut the rate again! 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
Martin Lewis asks are you one of over 1m who overpaid their student loan and can get it back? We are looking at the latest car finance update, which could double the number of people who are due a payout on their claims. The listeners ‘Tell Us' about the best thing they've learnt about money from work. And a Mastermind looking at premium bonds…
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
In the latest episode of the pod, Amelia's talking to special guest, Simon Read, about the stories from the last week that most affect your money. Including: Millions of savers being caught in the interest tax net next year as a result of higher interest rates How lucky are YOUR Premium Bonds - are some more likely to win than others? How parents are teaching their kids important money lessons Deals of the week And more! 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
Sometimes you need a safe place to stash your cash. Savings accounts, bonds and money market funds are all options but how can you maximise returns? And should you ‘lock in a rate'? And in today's Dumb Question of the Week: What's wrong with Premium Bonds? --- Thank you to Saxo for sponsoring this episode. Sign up to claim GBP 200 back in online trading fees when you open an account with Saxo today via: PensionCraft | Saxo (home.saxo) Capital at risk. T&C's apply. ---Get in touch
You asked us: How can we efficiently purchase property for children? Or why is it not widely encouraged, likewise with pensions for children? What's better: premium bonds or high interest savings accounts? Want 1:1 guidance from a financial advisor? - email will@getmost.co.uk for more info. … This is not financial advice. The reason it's not financial advice is because it's not tailored to you. We explain the principles of building wealth but if you want personalised advice, it's worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.
Cathal Rochford of Blevins Franks International Tax and Wealth Management talks to Howard Brereton #Wealth #Tax #WealthManagement #Spain #Expat #Brexit
How much do you need in Premium Bonds to win the jackpot? And if you haven't maxed them out to the full £50,000, is it even worth bothering? This is Money has run some in-depth analysis on all the £1million prizes over the past four years and this week revealed how much those lucky people held. On this week's podcast episode, Georgie Frost, Lee Boyce and Simon Lambert look at what it takes to win the Premium Bonds. Simon gives us his tax manifesto to get us out of the mess Britain's tax system is in. Plus, one of our readers is in their mid-40s, would like to semi-retire to work on their own terms, travel and enjoy life in a decade, and wants to know if their £180,000 investments can grow enough to achieve that. What does someone with those ambitions need to consider? The team take a look. Should you consider buying a cheap electric car? Prospective buyers are worried about batteries but get over that and Simon says it could prove even cheaper to run than you think. And finally, the new King Charles notes are out but what are the serial numbers to check your wallet for that could make them worth big money?
In today's episode, we'll be diving into the weird and wonderful (maybe an overstatement) world of UK Premium Bonds! --- Get A Free Fractional Share When You Sign Up To Trading 212 We'd also like to thank this season's sponsor, Trading 212. Trading 212 is an investing platform which aims to democratise investing, and it's also the platform that we have used since we started! Click here for a free fractional share worth up to £100 when you sign up and deposit at least the minimum amount required for Invest or ISA accounts (which at the time of recording is £1). If it's not done automatically, you can also go to the main menu, then to 'Use promo code' and copy-paste this code SNSBONUS. Terms & conditions apply. Capital at Risk. Investments may rise and fall. --- For more financial education made simple: Learn more about our A-Z Investing Course Download our free investing guide Check out our newsletter Follow us on Instagram Follow us on TikTok Follow us on YouTube Follow us on Twitter See you next time!
In the latest episode of the pod Andy's talking about: 1 year, 3 savers, £50K premium bonds - who wins? The British Bank awards winners UK base rate announcement Andy's deals of the week 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
This week, we're taking the temperature of markets after a weekend of worrying geopolitical news. How will the tension in the Middle East affect economies - and what can or should investors do to mitigate geopolitical risk? And then - our semi-regular check in on Premium Bonds - what is the case for them now? Host, Ed Monk, and his occasional guests provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.
In the latest episode of the pod I'm talking about: How to get up to £225 from TSB via a bank switch offer Whether you should ditch Premium Bonds following a cut to the prize rate How unlimited cinema memberships compare Deals of the week 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
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.
Have interest rates peaked? After an inflation spike rudely awoke them from their slumbers, the Bank of England and the US Federal Reserve have shown us that rate hiking can be a difficult habit to break. But 14 consecutive rate rises into an astonishing run from 0.1 per cent to 5.25 per cent for the base rate, the Bank of England suddenly paused six weeks ago. And then, on Thursday, it did it again. On both of those occasions, the Fed had also just done the same thing across the Atlantic. So, are we finally there? When does a pause become a peak? And if we have reached the top of the interest rate cycle, what happens next? On this episode of This is Money podcast, Georgie Frost, Helen Crane and Simon Lambert look at the decision to hold rates again and what it means for savers, mortgage borrowers and investors. Plus, what are Andrew Bailey's Bank of England and Jay Powell's Fed telling us about their respective economies – and how divergent are the paths of the UK and US? Also on this episode, Crane on the Case digs into a how an entirely explainable and obvious error somehow led to a reader facing more than £8,000 of fines and Transport for London refusing to budge… until we stepped in. Plus, some previous high-flying investment trusts are going cheap, so is this the time to invest? Simon takes a look. And finally, what have the Premium Bonds and a pop quiz on number one hits in 2000 and 2008 got to do with each other? Listen to the end if you want to find out why you need to know that the UK number one in February 2008, was Duffy singing Mercy.
This week, we're absolutely delighted to host Emma Young, the brilliant mind behind the Instagram channel Invest Em.By day, Emma is shaping the future of our nation as a school teacher; by night, she's on a fascinating journey towards financial freedom. Her tale is of courage, inspiration, and the tireless pursuit of financial well-being.Inside This Episode:The Catalyst Moment: Emma shares how a pivotal moment with her brother propelled her to start investing during the pandemic.Invest Em Instagram Channel: The story behind Emma's Instagram channel, how it's making finance visually appealing, and why she feels compelled to educate others.Long-Term Investing: A deep dive into the importance of investing for the long term, focusing on index funds, risk assessment, and diversification.The True Meaning of Financial Freedom: Emma discusses her personal take on what financial freedom really means for her and how it's not just about money.Premium Bonds: Are they worth the hype? Emma gives us her perspective on the pros and cons of this quintessentially British investment.Overpaying Mortgages: The benefits and drawbacks of overpaying your mortgage, and how it fits into Emma's financial roadmap.I absolutely loved this conversation with Emma, she is on a mission to get financially free and bringing us all along on the journey with her!Tune in to absorb some priceless financial wisdom that might set you on your journey towards financial freedom. Subscribe, share, and let's all make those money gains together!Important Notice: This podcast is meant for educational purposes only and does not constitute financial advice. Your capital is at risk when you invest and you should always do your own independent research.Up the Gains Links: Website Instagram Twitter
Many people may be feeling in a state of financial flux at the moment and wondering where to put their money. And it's not an easy choice. Savings rates have improved, gold is holding steady, but property prices are slipping and stocks are sticky. And that is just some of the myriad of options Britons are contemplating right now, alongside other areas such as overpaying the mortgage or saving for retirement. So, where would you put your money for the next five years? That's the question the This is Money team put to the experts – and our readers – with a mixed response. Georgie Frost, Simon Lambert and Lee Boyce reveal what they told us, the results of a reader poll and how they're grappling with these big financial decisions. Could unloved and cheap investment trusts be the answer? Simon runs the rule. Premium Bonds have been boosted again – Lee reveals why they are giving them a headache. And NS&I have boosted its green savings deal to 5.7 per cent. Is it a good deal now? Elsewhere, Ofgem has announced the new energy price cap for October 2023 will be £1,923. What does it mean for households – and why are many still facing higher bills this winter regardless? Loyal listeners may might remember a few years ago predictions from a chap called Fred Harrison - a housing market crash in 2026. The British author and economic commentator identified the 18-year property cycle and believes it can accurately predict the next house price crash. But have today's inflation and high mortgage rates thrown the cycle off track? And property prices have become less expensive relative to average earnings, according to new data – but there's a sting in the tail: higher mortgage rates mean homes are now LESS affordable. Finally, would you pay £25million for a car?
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?
After months of mortgage mayhem some better news finally arrived this week with major lenders delivering a slew of hefty rate cuts. Halifax, Nationwide, and NatWest have all delivered big chops to their home loans, with analysts saying that we may be past the moment of peak panic in the mortgage market. That's the silver lining to a very dark cloud though, as mortgage rates are far higher than they have been in recent years and almost all of those whose fixes come up for renewal will face paying much more. So if this is the end of Mortgage Mayhem Part 2 (the uncalled for sequel to Liz Truss and Kwasi Kwarteng's original instalment), what happens next? On this week's podcast, Georgie Frost, Helen Crane and Simon Lambert survey the wreckage of the past few months and look at what could come next for mortgage rates and homeowners? With higher rates here for the foreseeable future, they also discuss what this means for people's finances and how mortgage hikes are likely to eat most people's pay rises and then some. Simon explains why after such a long period of stagnant real wages, this is a major problem. In cheerier news, Premium Bonds have had another big bump up in the prize rate, so are they now a no-brainer? (For those listening to the podcast and looking for it, here is the link to our Premium Bonds winning stats piece Simon mentions). Plus, what is the tale of good customer service that Simon has returned from holiday with? And finally, how did Helen go viral with an old carrier bag?
Want to stay up to date with the latest financial information for doctors? Subscribe on YouTube to never miss a new video: https://www.youtube.com/@MedicsMoney Join 40,000 doctors receiving free financial CPD via email by downloading our free ebook here https://www.medicsmoney.co.uk/ebook/ Music credit: MetzMusic on YouTube.
In her latest Weekend Essay, Money Marketing's editor, Katey Pigden, shares her lifelong experience with Premium Bonds. From her dad's thoughtful gift during childhood to her son's early wins, she embraces the thrill of monthly prize draws, feeling a deep connection with her father through the cherished bonds. Listen now:
In the latest episode of the pod I'm talking about: My month in money, including Checking my energy bill to claim back overpaid energy bills Understanding when cashback could be declined on partial returns Making sure you return Ocado bags How much I won on Premium Bonds Plus my deals of the week 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
Premium Bonds are a national institution and their prize-giving place in British savers' hearts was only cemented further through the low interest rate years. But now interest rates are on the rise and Premium Bonds offer not only the chance to win £1million but also a much better rate of return. The average prize fund rate on Premium Bonds has reached the heady heights of 3.3 per cent - going head-to-head with top easy access savings deals. But what many savers may not realise is that their chance of winning a big prize of £100,000 or £50,000 has got much better too. So, is it time to back Premium Bonds even further, or would you be better off with a standard savings account? On this week's podcast, Georgie Frost, Sam Barker and Simon Lambert look at the numbers and the pros and cons. Plus, an even better return of up to 4.6 per cent is offered now by five year fixed rate savings accounts, but are they worth going for and choosing over stocks and shares? This week brought yet more news of annoyingly high inflation, as CPI stubbornly stuck above 10 per cent, but why are food prices still rising so rapidly, are supermarkets or producers cashing in, and what can you do about it? And finally, supermarkets have a new loyalty card wheeze - lower prices for those with them and more expensive groceries for those without. Sainsbury's Nectar Prices has followed Tesco's Clubcard Prices and now the Co-op has member prices too. Is this enough to change Simon's mind on loyalty cards?
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.
Those aged between 43 and 54 may have been concerned by rumours this week that the Government is planning to increase the state pension age to 68 much sooner than planned. Officially, the rise to 68 is set to happen between 2044 and 2046, but ministers allegedly want to bring forward the change to 2035 with the policy being floated for inclusion in the March Budget. It comes as warnings have been sounded that those retiring in future decades generations will face a gap between the income that pension savings and the state pension will provide, and what they need to live even a moderate retirement. This is Money's pensions and investment editor, Tanya Jefferies, deputy editor Helen Crane and host Georgie Frost discuss how likely this is to actually happen - and what pension savers could do to prepare for it. We also look at mortgage rates which, having gone from all-time lows to unexpected highs in the last year and a half, could now be edging down past the 4 per cent mark. Why have a raft of high street lenders cut their rates in recent days, and will they simply hike them back up again if the Bank of England decides to increase the base rate again next week? And what should borrowers in the unenviable position of needing to remortgage at the moment be factoring in when they make their decision? Another group set to be impacted by next week's base rate decision are savers. With NS&I having increased the interest rate on its ever-popular Premium Bonds from 1 per cent to 3.15 per cent in the space of a year, is that now the best place to keep your rainy day fund? EToro's Sam North also lets us know why next week is going to be a big one for the investment market. Helen gives us the lowdown on which companies are doing right by their customers, and which are not. Once renowned for its tip top service (free coffee, anyone?) John Lewis has taken a battering in Money Mail's wooden spoon awards - but it also placed high on a separate survey of the firms that customers liked best. So what is going on? Finally, we dish out some advice on how to spot bargains in charity shops, haggle down prices at car boot sales and then make money selling things on.
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?
As markets went haywire and the Bank of England staged a bond market intervention earlier this week, it felt like a mini-financial crisis had been triggered. It has been an incredibly turbulent week for the UK economy as the Bank of England stepped in to protect pension funds, the pound hit a record low against the dollar before rebounding and lenders pulled mortgage deals to re-price them at far higher rates. So, is the UK economy in crisis… again? How much is the Chancellor's 'mini' Budget to blame? Or was this the culmination of problems that stem from the Bank of England? And what can the Government and Bank do now? This week, Georgie Frost, Simon Lambert and Lee Boyce tackle what has been a truly remarkable one in the world of personal finance with a message of: don't panic. Simon gives an economics 101 on why the pound fell and why the Bank of England stepped in, seemingly with a u-turn on plans for quantitative tightening. What is happening to mortgages? With lenders pulling deals and replacing them with higher rates, how will that impact first-time buyers, those looking to remortgage and the property market in general? Will base rate continue to head higher and what does that mean? And a chink of light for savers: this week, NS&I boosted Premium Bonds, while savings rates continue to race higher.
With interest rates on mortgage going up, the banks haven't been that generous with passing on the rates to savers. Here are some of the best rates around right now https://my.captivate.fm/e%20with%20a%20lifetime%20ISA%20who%20this%20could%20affect,%20please%20share%20%20Join%20my%20discord%20-%20https://discord.gg/7tPFd6m3f9 (Join my discord ) https://my.captivate.fm/theconvo.io (Subscribe to my monthly magazine) https://my.captivate.fm/conversationofmoney.com/courses (Take my £59.99 investment course for beginners) https://calendly.com/conversationofmoney/discoverycall (Book a discovery call) SUPPORT THE SHOW https://www.buymeacoffee.com/conversation (Buy me a beer) https://uk.trustpilot.com/evaluate/conversationofmoney.com (Leave a Trustpilot review)
This week, the chief executive of the energy regulator Ofgem warned the energy price cap could rise to £2,800 a year for a typical home. A few days later, the Chancellor, Rishi Sunak, unveiled a £15 billion package to help households with their fuel bills - the second in three months. We'll discuss the details of what that means for pensioners with Helen Morrisey from Hargreaves Lansdown. We'll hear from the CEO of Amigo loans on a new scheme, approved by the High Court this week, which will allow thousands of people who were mis-sold loans to apply for compensation. What to do if you end up paying for a subscription unwittingly or can't cancel it – and how the government plans to try and prevent consumers losing out. And a Money Box mini on the new interest rate for Premium Bonds announced this week. Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Sandra Hardial Editor: Jess Quayle (First broadcast 12pm on Saturday 28th May, 2022)
Sudden Wealth Syndrome. It's a thing apparently and something that many of us probably wouldn't mind suffering from. That's the term used to describe those who suddenly - and perhaps unexpectedly - come into a very large sum of money. And doing so brings plenty of benefits but also its own problems. Over the past week, we have heard about the couple who won £184million on the Euromillions, but what are the challenges they will face and how do you deal with that sum of money. We spoke to a number of experts about this and on this week's podcast Georgie Frost, Helen Crane and Simon Lambert discuss that they said - and why apparently going public is the right thing to do. The team also conjure up dreams of how they might use so much money, from the long-term, to the first thing they would do. Also on the agenda are the boost to the Premium Bonds prize fund and rate and whether this makes them a good option for savers and why buying a fixer-upper could end up costing you far more than a house that's already 'done'. And finally, just when you thought it was safe to go back on holiday... the car hire crunch has got even worse. How bad is it and why?
More than 40 years after Margaret Thatcher introduced Right to Buy, the current Prime Minister is considering plans to revamp the scheme. Could it unleash a home buying revolution and help give a much needed boost to the Government, or is it a bad idea rehashing an old scheme? This week, Simon Lambert, Lee Boyce and Georgie Frost discuss the plans, how it could work and why it may be unleashed in the near future. Would it be unfair to private renters? With ever increasing property prices, would people be able to purchase them? And what are the current Right to Buy rules? It's safe to say that green bonds, launched by National Savings and Investments last year, have been a damp squib. Rates on them are low, and a three-year fix is a relatively niche product. Just how far have they missed the mark and could the rate head higher again to make them more attractive? On the other hand, Premium Bonds continue to be an incredibly popular way to save. The two jackpot winners this month had huge sums held in them – is that the only chance you have of winning a £1million, maxing out the holdings? There are calls to claim your pension credit – nearly 1million people are missing out on extra cash and 'the door to more,' by not taking advantage. Could you, or someone you know, benefit? The Bank of England celebrates 25 years of independence – we ask whether New Labour's gamble of making it independent has paid off, just as it hikes base rate to a 13-year high of 1 per cent. Meanwhile, Lee reveals details of a new This is Money columnist signing – businessman Dave Fishwick is ready to take your business and careers questions. Found out how you can contact him.
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Would you pay £21 for granola? Plus whether Premium Bonds were better for me than savings. The latest episode of the pod is a solo episode, and I'm talking about: How to assess if something is worth the money Who pays back the £200 energy bill loan and when The results of a year of Premium Bonds For links and further reading head to becleverwithyourcash.com/cashchats250 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 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
What is Vestas? What does Steve W plan to do with his premium bonds? And what do we think about podcasts that are better than ours? Find out on this week's Playing FTSE Podcast! We start this week's show with a game from Steve D. Paul and Steve W try to guess how long different CEOs have been in post. Jamie Dimon, Lisa Su, and Mark Zuckerberg all make an appearance, along with some other business leaders that you might not have heard of. Twenty questions means that Paul doesn't have a chance. Or does he...? Next is the Motley Fools' restructuring. We're big fans of the Motley Fool (the US one, not the UK one) and we've often cited their podcasts as a source of knowledge, ideas, and facts that we use on our own show. They've restructured their show portfolio, though. Out with the Industry Focus/Market Foolery/Motley Fool Answers and in with a daily Motley Fool Money show. The Steves have been having a listen. Find out what they think of it. Following this, we've got exciting news from Trading 212. Stocks that were once available in an ISA and then weren't available in an ISA are available in an ISA again. Some of them, anyway. We point out some of our favourites -- Paul and Steve D discuss wind turbine company Vestas and Steve W gives us his take on nothing at all but suggests that JD.com looks like it's at something of a discount to its historic levels. Keep an eye out for Newcrest Mining though -- a rare mention of a gold miner on the show. Lastly, it's a segment that Steve W *does* have something to say about. His own money. Having discovered that he owns some Premium Bonds that haven't been making much of a return, Steve's hunting for somewhere to redeploy his capital. He's looking at the REIT sector and thinking about how he measures the success of his investment and his returns. Paul and Steve D pile in with their thoughts.
In this episode of Tech Intersect, I welcome Matt West. Matt is a scientist by training and background and the first crypto developer to run for Congress. For the last seven years, he has worked as a development engineer at Intel and designs the laser-based manufacturing processes used to build the latest chips powering our computers, cars, and homes. So he's worked at the leading edge of technology for quite some time. Now he wants to take his deep expertise in science and head to Washington DC to address and solve some of the 21st century's most pressing concerns.Matt is also the first congressional candidate with cryptocurrency development experience in decentralized finance (aka DeFi). He has coded strategies for yearn.finance and worked with other groups such as PoolTogether (a crypto-powered savings protocol based on Premium Bonds). Matt believes DeFi has the power to create a financial system that works for everyone, but only if people who understand it help to craft legislation that calibrates regulation with innovation. SPONSORED BY ADVANTAGE EVANS™ ACADEMY Ready for your advantage? With Bitcoin and Ethereum leading the way, the cryptocurrency market is booming. And growing. With over 15,000 different types of crypto (and counting), crypto is a fast-paced, fast moving emerging asset class. Find out what banks, governments, and companies like Paypal don't want you to know about owning crypto and holding it in your own wallet or self-guided crypto IRA. Bottom line? It's a wave. And you deserve this opportunity to ride it all the way to financial freedom that leads to economic empowerment and generational wealth. Learn while you earn so you can:transform your relationship with moneygenerate wealth in the new digital cash economycreate digital ownership streams that lead to generational wealthvet, buy, store, trade, earn, and sell cryptocurrenciesengage in “defi” to lend and leverage your cryptocreate, buy and trade creative and collectible NFTs.Membership includes: Monthly live masterclassesLive Q&A with our expertsActive learning milestonesHeadlines and hot topicsReplay libraryResources Bank (a $500 value)Preferred access to invite-only eventsPreferred pricing for courses and eventsDiscounted 1:1 sessions (regularly $1,000) Join now: advantageevans.com Guest Contact:Twitter: @MattDWestWebsite: mattwestforcongress.com Show Contact:Questions and requests: hello@techintersectpodcast.com Follow: Twitter @AtTechIntersect | Instagram @TechIntersect Web: Tech Intersect Podcast Connect for exclusive content: http://eepurl.com/gKqDyP Rapternal Music (Regulate and The Rabbit Hole) by Notty Productions is licensed under a Creative Commons Attribution-NoDerivatives 4.0 International License.Produced by Tonya M. Evans for FYOS Entertainment, LLC, and Stephanie Renee for Soul Sanctuary, Inc.Support the show (https://tinyurl.com/techintersectvip)
They finally did it! The Bank of England's Monetary Policy Committee raised the base rate from its emergency 0.1% level to 0.25%. That came the day after inflation rocketed to 5.1 per cent - and is forecast to keep rising - and in the week that the International Monetary Fund warned the Bank of England against 'inaction bias'. Markets were cheered by the rate rise and economists were broadly welcoming too, yet the general consensus is that it will make little difference to the inflation Britain is suffering. So, why raise interest rates and was this the right move as the nation stares down the barrel of yet more (potentially overcooked) Covid disruption? On this week's podcast, Georgie Frost, Tanya Jefferies and Simon Lambert delve into the rate rise, ask whether it was the right move but maybe for the wrong reason, and look at why inflation is soaring and when it may abate. The team also discuss how this will affect ordinary people and whether it will add to the cost of living squeeze hitting everywhere from the petrol pump, to your heating and the supermarket aisles. Tanya gives an update on delayed state pension cases and her investigations into this and whether the generation in their late 40s will have to wait longer to retire. And finally, it's nearly Christmas and frantic present buying is the order of the day, but if you were going to give a financial gift to a child would you give Premium Bonds, shares or bitcoin?
Inflation hit its highest level in a decade this week off the back of soaring energy costs and petrol prices. Why is the cost of living on the rise, when will interest rates go up, and how will all this affect the pound in our pocket? This week, Georgie Frost, Lee Boyce and Mike Sheen take a look at the 4.2 per cent CPI figure and how it is becoming harder to ‘inflation proof' your finances. It looks like the state pension triple lock could be doomed – that 3.1 per cent rise pencilled in for next year doesn't look generous considering the rise in the cost of living. There is a special delivery for Royal Mail shareholders while major banks are not only shuttering branches, but are increasingly telling customers to serve themselves. And finally, TSB is the latest bank to offer a prize draw, is it a good alternative to Premium Bonds or simply a gimmick?
Leighton Cusack, Co-founder of PoolTogether, and community advocates Mkkoll and Gio, join us to introduce the crypto-powered savings protocol and its role in creating accessible onramps to DeFi for new users. --- Crypto Sapiens is produced in partnership with Bankless DAO. https://bankless.community --- Crypto Sapiens hosts lively discussions with innovative Web3 builders to help everyone learn about decentralized money systems including Ethereum, Bitcoin and DeFi. https://twitter.com/CryptoSapiens_ --- Resource links: PoolTogether is a crypto-powered savings protocol based on Premium Bonds. https://pooltogether.com/ https://twitter.com/PoolTogether_ Connect with PoolTogether Co-Founder, Leighton Cusack. https://twitter.com/lay2000lbs --- Not financial or tax advice. This channel is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Talk to your accountant. Do your own research.
Premium Bonds are probably Britain's best loving savings product but are they worth holding? The savings lottery delivers 100% government-backed protection, a theoretical 1% return – dependent on luck – and relatively easy access to your cash. But a new report this week highlighted just how unlikely people are to win big prizes. In fact, unless you have a sizeable amount in bonds, you should expect a long wait for anything over £25. But does the study stack up? What about all the readers telling us they've won lots? And does it matter that you'd have to wait ages to win £50 or more – or are those uninspiring regular £25 prizes a much more useful source of returns? On this week's podcast Georgie Frost, Adrian Lowery and Simon Lambert dig into Premium Bonds, looking at the odds, the study on big prizes, what our readers have told us, and also how many people hold. Plus, interest rate rise chatter has stepped up a gear this week. Is a hike really imminent? Also under discussion are the energy saving measures you can take to try to cut your bills as the price spike sends more providers bust and threatens household finances. As Meghan and Harry get the ethical invest bug, we a look at ESG, greenwashing and how to invest to make an environmental impact. And finally, the topsy-turvy Covid world has thrown a new curveball: one-year-old used cars are now more expensive than brand new ones. How does that work? The team try to explain and reveal the used cars rising in value the most.
With inflation on the rise, homeowners nearing the end of their mortgage deal could be tempted to lock in for longer – especially with murmurs of a base rate rise. It comes as rates continue to fall, even on tracker deals. What are the pros and cons on a two, five and even a 10 year fix, and does the flexibility of a tracker mean it could be a worthy option to consider? Lee Boyce, Helen Crane and Georgie Frost discuss what those remortgaging and home buyers need to consider when getting a new home loan. And landlords haven't been left behind in the mortgage battle either. There is now a sub-1 per cent buy-to-let mortgage rate – and sticking with the property theme, yet another huge monthly bump for prices. Elsewhere, should you sell old Premium Bonds to buy a new set for 'better luck' and just how much have lockdown savers poured into the NS&I product? Lastly, how about a career change as an… HGV driver? We look at what salaries are on offer and how to train as a lorry driver.
This week, we delve into what happened when I decided to put my rainy day cash into Premium Bonds. We touch on the risks of inflation and the role of cash as a complement to investments. See omnystudio.com/listener for privacy information.
This week we look at all you need to know about premium bonds including your chances of winning a prize and how you can take them out. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and completeness of the information cannot be guaranteed. It does not provide individual tailored investment advice and is for information only. We cannot assume legal liability for any errors or omissions it might contain. No part of this podcast may be reproduced in any manner without prior permission.
In this episode Emma Crossick talks to Alan Moran about NS&I Premium Bonds. There are countless people out there who are unaware that they have Premium Bonds some of which have had winnings attached to them. Unlike the Lottery, Premium Bonds and their winnings don't go out of date. So its well worth checking to see if you have some.
This week I speak to Laura Adams, personal finance and small business expert, author and host of Money Girl podcast. Laura discusses the mistake of confusing ‘a fear of numbers' with being bad with personal finance. She also shares what she learnt from losing 5-figures in a dodgy investment. I also discuss Premium Bonds and Income Protection Insurance. You can get a quote for income protection insurance via Cura Money here: https://www.curainsurance.co.uk/quote/?referral_id=NDcz
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?
FIGURING MONEY OUT 5 part mini-series Episode Three Savings and Mortgages with Lisa Conway-Hughes Lisa Conway-Hughes is a Chartered Financial Adviser and a Fellow of The Personal Finance Society. Lisa joined the financial industry 15 years ago. Lisa, also known as Miss Lolly, writes, speaks, tweets, and blogs on all things money related. Lisa is passionate about making financial education open to all and loves taking the jargon out of the financial world. Lisa is the author of Money Lessons and features regularly as a media expert in the female press and newspaper as well as the BBC News. A little bit of knowledge is all you need to make a start in getting your finances under firm control. Strong financial foundations will help you to enjoy the standard of living you want for yourself and your family, now and in the future. But money matters are forever changing, just like your financial priorities, which means you need to be continually learning – and that’s what misslolly.com is here for. In this episode we discuss: Why we should be saving (1.30) Where should we put our savings? (3) How to become a saver without actually trying (3.20) Premium Bonds explained (5) Can I open a savings account with a different bank? (7) Building the internal dialogue of “I am a saver” (9) Saving goals (9.45) Saving fast vs saving slow (12) ISAs and LISAs - tax-free but capped (14.15) Personal savings allowance (16) Bonuses (25% up to £4k PA) with ISAs and LISAs (17.40) Level of tax you pay; understanding where is best to put your money (19) Stop fearing people in the financial world (22.45) Feeling empowered as a woman with money (24) At what point should you start working with a financial advisor? (27.30) Financial advisors are not scary but choose the right one (29.30) A checklist for choosing a financial advisor that’s right for you (31.30) Mortgages; where to start? Employed vs self-employed (35) It’s more than just buying the bricks - you need somewhere to sit (37.30) Using mortgage brokers instead of just going straight to your bank (39) Mortgage plans and remortgaging (41) Lisa advising Verity on buying first property after 35 and how this affects retirement (43.20) Working out the maths on a mortgage (45.20) Connect with Lisa Miss Lolly website Money Lessons {book} Ladies Fiance Club podcast Ladies Finance Club Membership Instagram Resources mentioned Coventry Regular Savers Account Premium Bonds The Automatic Millionaire {book} Trustnet.com Have some feedback, a question you would like us to answer or a topic suggestion? Drop us an email at freeandfiguringitout@gmail.com Follow us https://www.instagram.com/freeandfiguringitout/ Your hosts are... Charelle Griffith (she/her), 32, is a marketing strategist for coaches and consultant, and founder of PropelHer (an online platform and book club for ambitious women). Connect with Charelle on Instagram. Verity Brown (she/her), 34, is a northerner, proud queer woman and the founder of The Authentic DatA Revolution (tadar.org) Connect with Verity on Instagram. Disclaimer: All information provided by Free and Figuring It Out is for informational and educational purposes only and does not constitute financial advice. Free and Figuring It Out provides general information only and does not provide individual advice. For individual financial advice about your circumstances, please refer to an independent financial advisor.
This week, we’re looking at two very different ends of the financial universe. First, it’s the get-rich-quick world of trading - in particular the type driven by social media which has gripped many young people. How do their expectations of investing match up to the reality? And then, at the opposite end of things it’s the distinctly old-fashioned world of Premium Bonds. Just a novelty, or can they be a serious home for your cash savings? See omnystudio.com/listener for privacy information.
Martin Lewis asks whether Premium Bonds are worth it now that the prize fund and the chance of winning have been cut. And he also takes a look at the growth of buy-now-pay-later schemes.
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
We are breaking down investments this week in our new investing 101 series. We have wealth manager extraordinaire Emmanuel Asuquo on the show and we talking about investing in bonds why you should be investing part of your portfolio in cash. We cover everything from government bonds and corporate bonds to ISAs, LISAs and Premium Bonds. Connect with Black Millennial Money Website - https://blackmillennialmoney.com/ Instagram - https://www.instagram.com/bmmglobal/ Patreon - https://www.patreon.com/Blackmillennialmoney Connect with Emmanuel Asuquo Instagram: https://www.instagram.com/theemaneffectuk/ LinkedIn: https://www.linkedin.com/in/emmanuelasuquo/ Twitter: https://twitter.com/TheEmanEffectUK Website: https://emmanuelasuquo.com/ Email: team@emmanuelasuquo.com/ Connect with Joseph Nwosu LinkedIn - https://www.linkedin.com/in/nwosujoseph/
There won't be another budget this year. Instead, we had the Winter Economy Plan unveiled this week as fears over a second wave of coronavirus infections - and the further economic turmoil it could create - takes hold. Despite repeated calls to extend the furlough scheme, Chancellor Rishi Sunak held firm. How does this new Jobs Support Scheme stack-up, will it be enough and what else did Mr Sunak reveal? Simon Lambert, Lee Boyce and Georgie Frost take a look. Meanwhile, importers are worried about container delays at Felixstowe Port, with coronavirus measures reportedly creating a backlog. NS&I made some brutal cuts to savings rates and its Premium Bonds – why did it make the move, just how severe are the cuts and where can savers head next? We could be about to see the end of the loyalty penalty - when sticking with one insurer for your car or home really doesn't pay – and it may save households nearly £4billion in the next decade. And lastly, hot tubs… the hot weather at the start of lockdown saw many people snap them up. But, now, many are complaining of faulty ones, with difficulties getting them fixed.
As if 2020 wasn’t already proving to be a painful enough year, fraud has soared in lockdown. Fraud victims are now losing at least £11.5million a day but the real total is estimated at £80million, as only about 15 per cent of cases go reported. Cases are up 43 per cent in lockdown, according to Action Fraud figures, and the amount lost is up a staggering 286 per cent – meaning a victim loses £8,000 of their savings in average every minute. So could you fall victim to lockdown fraud? On this week’s podcast, Simon Lambert and Georgie Frost discuss how people are being conned, the red flags to watch out for, what your rights are if you fall victim and why it’s not enough to think it won’t happen to you. Also on this week’s show, will the rule of six knock the chance of a V-shaped recovery for six and what on earth is the Government playing at with its Brexit threat to break international law? And finally, there’s a savings lottery out there with a better chance of winning £50,000 than the Premium Bonds. Family BS’ windfall bonds have a minimum investment of £10,000 but a one in 714 chance of winning monthly prizes of between £1,000 and £50,000… but there’s a catch, it’s also possible no one will win. So, is it worth signing up?
Damien Fahy of moneytothemasses.com talks to Andy Leeks about money. On this week's show, Damien discusses whether Premium Bonds are any good. He looks at the pros and cons as well as who they are suitable for. He also reveals the stealth tax that we all will be unwittingly paying to fund the coronavirus support schemes. Finally, Damien discusses an important consideration when accessing your emergency fund as well as the psychology of making decisions in uncertain times. Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Damien's Money MOT - Take yours today 80-20 Investor - Click here to find out more about Damien's 80 20 Investor service Pension Calculator
This week we have been figuring out and filling our time with... Vegan chocolate milkshake Premium Bonds I May Destroy You Your Money Or Your Life Wanna Be podcast Disclosure Lewis Howes podcast Your Figuring It Out task for this week.... What have you always wanted to do that you haven't yet done? Drop us a DM on Instagram and let us know! Have some feedback, a question you would like us to answer or a topic suggestion? Drop us an email at freeandfiguringitout@gmail.com Follow us https://www.instagram.com/freeandfiguringitout/ Your hosts are... Charelle Griffith, 32, is a marketing strategist for solopreneurs and founder of PropelHer, a personal development blog and book club. She lives in London, dates men and has been single for 5 years (except for a summer romance in 2018). Connect with Charelle on Instagram. Verity Brown, 34, is a northerner and the founder of The Authentic DatA Revolution and is currently living in the Lake District, UK. She is bisexual, was single for 3.5 years and is in a relationship with a woman. Connect with Verity on Instagram.
During one of my recent Ask Me Anything sessions in my Money Circle membership, one of my members was asking about premium bonds. I decided having conducted some up to date research that my findings around are premium bonds worth investing in would be well worth sharing with all of you. You will learn: What are premium bonds? The average return of premium bonds Are premium bonds safe? Premium bonds VS Investing & Savings Accounts What to do with existing premium bonds The importance of the personal savings allowance Resources: Join The Money Circle membership Join the next FREE Plug Your Money Leaks Challenge 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 – Investing for beginners from £1 My YouTube Channel Connect with me on Twitter, Instagram and Facebook History of NS&I Which – odds of winning on premium bonds Money Saving Expert tools Prize Checker App – Apple Prize Checker App – Android
This week, savings have been in the spotlight with National Savings and Investments cutting rates on a number of its offerings, including popular Premium Bonds. Both Marcus Bank and Saga also cut easy-access rates. On this week's podcast, Simon Lambert, Lee Boyce and Georgie Frost look at what's behind the cuts and question: should savers head elsewhere, and what is the point of tucking money away for little interest? Nationwide Building Society has launched a Start to Save easy-access account with a £100 lottery – is it any good and can it help get people into the savings habit? We cover a curious case of one reader who found their Spotify infiltrated by someone with appalling music taste. Simon reveals how he was stung by the loyalty penalty when a renewal letter came through from his insurer Halifax. It hiked his premium, but after weeks of back-and-forth, couldn't give him a concrete reason as to why. And Lee looks at whether a Fitbit is worth the money and how a fitness tracker helped his mum, with an underlying health condition, become healthier.
In this episode of the Maven Money Personal Finance Podcast… Andy provides a concise show designed to help you take immediate action to improve your financial well-being. Quick Preview of the Podcast: Emergency funds and when to invest Premium bonds and lottery tickets Making your money work for you Links: Patreon 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.
The combined wealth of British households is up 13 per cent between 2016 and 2018 - with the average standing at £286,600. But it's not all about house prices. In fact, the bulk of the rise is thanks to private pensions rather than property inflation, according to the Office for National Statistics. And it says that despite plenty of election claims to the contrary the rich aren't getting richer - but does that claim stack up? On this week’s podcast, Simon Lambert, Lee Boyce and Georgie Frost delve into the figures and ask: is financial inequality growing? We look at whether a reader can retire at 58 with a £6,000 pension – but £420,000 in a savings account. Meanwhile, as Vanguard reveals details of its new self-invested personal pension is this now the best home for cheap and easy retirement savings outside of the workplace? On the not so bright side for investors, M&G has suspended trading on its commercial property fund as savers dash for their cash. And finally, away from the serious stuff, we ask do you have to pay inheritance tax on a stamp collection - and just how much do you need to hold in Premium Bonds to have a strong chance of winning a £1million jackpot prize.
For over 60 years premium bonds have offered savers the chance of winning monthly cash prizes including a million-pound jackpot. In this episode of the Which? Money Podcast, we look at how premium bonds work and whether they're worth buying. Which? Money experts Jenny Ross and Gareth Shaw talk to host Lucia Ariano about premium bonds, car insurance and a new mobile switching service. See acast.com/privacy for privacy and opt-out information.
We often talk about good retirement planning being key to more secure and happier future – but what happens if the figures you were working on were completely wrong – and it's not your maths to blame… Editor Simon Lambert, assistant editor Lee Boyce and host Georgie Frost discuss a string of incorrect state pension forecasts sent out that will result in many facing a poorer retirement than expected. The Government only admits to making occasional errors but a former Pensions Minister reckons the latest cases could just be the tip of the iceberg. Elsewhere, we talk about a new code which will be give better protection against authorised push payment scams, which costs people millions of pounds each year. We update on Tesco Bank and its stops mortgage lending and explores the sale of its loan book. Simon gives an overview of Buffettology – how can you can potentially channel your inner Warren Buffett to become a better investor. Could you be rich from the Premium Bonds and not even know it? And which firms offer the best salaries in Britain? It's all crammed inside this week's podcast.
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.
The UK Post OfficeWhen I was young, there was a period of my life when I couldn't wait to open a Post Office Savings Account and also buy Premium Bonds. I can't remember how old one had to be, but let's say fourteen for the savings account and sixteen for the Premium Bonds, the top prize for playing which every month was a million pounds.At roughly the same time, I started buying coins for my collection from around the country and selling my duplicates too, which usually involved transferring money using Postal Orders. It made me feel independent and that made me feel ever so grown up.At eighteen years of age, I abandoned the Post Office in favour of the bank, and postal orders for the more convenient cheque.Well, now, forty-five years later, we seem to have come full-circle, since my bank no longer issues cheques. I had to send £65 to the Home Office last week, and I had to pay the Post Office £8.50 for the expensive privilege!£8.50 to send £65 within the country!Daylight RobberyThat is not only 13%, it is daylight robbery and a kick in the teeth to all the people who use this crappy 'service'. They get my money for three or four days, and I give them 13% for the privilege! Is the dreaded and very expensive, Western Union cheaper?It really wouldn't surprise me.However, the nightmare doesn't end there. I had to send irreplaceable documents, which the counter staff cheerfully told me are not covered by their normal insurance, and so had to pay £11.50 postage and insurance.At least this was a reduction. The first time I sent exactly the same package, they charged me £18.50!You couldn't make it up, could you, but I think the Post Office is... as they go along!There has to be a better way, and, for me at least, the Post Office will be my last option next time, not the first port of call.Stuff 'em - they don't care about us!Please LIKE and SHARE this article using the buttons below and visit our bookshopAll the best,Owen.Podcast: The UK Post Office
What You Need to Know About Premium Bonds By Douglas Goldstein, CFP® - helping olim handle U.S., IRA, investment, and brokerage accounts from Israel Premium bonds may be a good investment choice for retirees looking to increase their income. (For solutions to other problems retirees face, download a free copy of The Retirement Planning Book at www.profile-financial.com/rpb.) Consider premium bonds In today's low interest rate environment, if you park your money in bank deposits or money markets, the interest you receive generally will not be enough to pay your bills. Even leaving a million dollars in Certificates of Deposit (CDs) in a bank will only generate a few thousand dollars a year of spending money. So how can retirees supplement their income without too much risk to their principal? A solution may be to purchase bonds, especially “premium bonds.” Buying a bond means lending money to a country or a company. In return using your money for a set period of time, they pay you interest. Since bonds are not as safe as bank deposits, they generally pay a higher yield. Some bonds issued previously offer high “coupon rates.” They may be higher than what newly-issued bonds pay today. Since everyone wants to get a higher interest rate, these high-coupon bonds sell at a premium price. By buying a premium bond, you get more cash flow from your investments than if you buy a bond at par or at a discount. When the premium bond matures, you won't get the same amount back that you paid. But you will have received more cash flow every year, which means that you have effectively achieved your goal. Premium bonds are not for everyone, and they carry risks, but anyone who is looking for income should consider if they are appropriate for their individual situation. For more information about how to have a financially stronger retirement, download a free copy of The Retirement Planning Book at www.profile-financial.com/rpb. Alternatively, call me on 02-624-2788 and let's start talking about the best way to get income from your investments. Douglas Goldstein, CFP®, is the director of Profile Investment Services, Ltd. www.profile-financial.com. He is a licensed financial professional both in the U.S. and Israel. Call (02) 624-2788 for a consultation about handling your U.S. investments from Israel. Securities offered through Portfolio Resources Group, Inc. Member FINRA, SIPC, MSRB, FSI. The opinions expressed are those of the author and not those of Portfolio Resources Group, Inc. or its affiliates.
Everything you thought you knew about life, the Isa and everything is wrong. Modern life is amazing; we’ve never had it so good. We have technology and prosperity above anything anyone a few decades ago could have possibly imagined. And we have a welfare state to look after those who inevitably fall off the merry-go-round of progress. These are the conclusions of the arguably the world’s greatest businessman, Warren Buffett. So why are our politicians, bankers and bonkers billionaires so hell-bent on spewing such negativity? And why has George Osborne just about destroyed the fabulously popular British savings tool, the Cash Isa? It’s been a way of life since the 1990s. This is Money editor Simon Lambert, consumer affairs editor Lee Boyce and Share Radio consumer commander in chief Georgie Frost are here to explain and entertain. You’ll learn… How technology has improved our lives – and why If there’s any point to saving cash in a tax-free Isa following the Chancellor’s meddling Whether you’re sitting on a tax-free windfall as one of the winners of the £51m in unclaimed Premium Bonds That if f you’re listening to this in America because that’s where you’re from, Premium Bonds really IS a lottery where you kind of never lose your stake money What’s going on with house prices and the prospect of home ownership Which car manufacturer is shouting loudest this week about whether Britain should stay in Europe And Donald Trump, a future president or the voice of supermarket talking till machines? #isas #money #houseprices #trump #buffett #happiness #technology
Health Secretary Jeremy Hunt said this week that if you have a stroke at the weekends, you're 20% more likely to die. But is that true? We look at the evidence.Are you more likely to win prizes with newer Premium Bonds? We ask Radio 4's Money Box presenter Paul Lewis if there is any truth in this.A few weeks ago many newspapers were reporting that alcohol was the cause of 70% of Accident and Emergency attendances over the weekends. Did the newspapers misunderstand the research?Why was the polling in the run up to the General Election last year so wrong? We speak to Professor John Curtice, lead author on a report using the 2015 British Social Attitudes Survey to see if they could come up with better data. There is great excitement over rumours that one of the predictions Einstein made in his theory of General Relativity has finally been observed. We ask UCL physicist Dr Andrew Pontzen why this is big news.Plus, is the air in Beijing is so bad that it's like smoking 40 cigarettes a day? We investigate.
2016 is going well - but only if you live in Leicester. One week in, and the new year money news seems to be competing with the weather in terms of gloominess. Luckily we have the most upbeat and entertaining trio in financial broadcasting, Simon Lambert, Lee Boyce and Georgie Frost, taking a fun look at what's been happening over the last seven days – however grim it is. China is panicking. And when China panics, the Chinese government shuts its markets. That makes Chinese investors panic even more and then the whole world joins in. Share prices have been plummeting. As big British chain stores start to reveal their Christmas trading figures, Marks & Spencer, which for some people IS Christmas, reveals it had a less than festive time of it. A couple who saved really hard for a deposit, stamp duty and fees for their dream home transferred the £45,000 to the solicitor days before the move – but the transfer was intercepted by crooks and they lost it. This is Money Editor Simon Lambert bravely outs himself as a recidivist Lotto loser dumping cash for decades into an investment that has less chance of coming good than he has of watching the opening night of Elvis Presley’s tour of the Moon. There was some upbeat news. It has emerged that not all banks are bad all of the time – at least in terms of current accounts. You would do well to listen to the segment on the best banks for your day-to-day money affairs. And two people won £1million each on the Premium Bonds. They both live in Leicester. It’s a fix! Or is it?
This week in episode 52 of the Informed Choice Podcast, Martin talks about how to cope with an unexpected windfall and the level of investment returns we might expect in 2016. There’s also a roundup of the latest news from the world of personal finance and investing. -Supermarket chain Morrisons has fallen out of the FTSE 100 index of leading UK company shares. -Facebook founder Mark Zuckerberg are giving away 99% of their shares in the social media company to good causes. -Housebuilding has slowed in the UK in November, with the construction industry expanding at its lowest rate since 2013. -The Bank of England has warned insurance companies not to dip into their financial reserves to boost earnings if by doing so it would undermine their resilience to market shocks in the future. -The National Advice Clinic has been fined £850,000 by the Claims Management Regulator after making almost six million calls between October last year and April about noise-induced hearing loss claims. -The Chancellor of the Exchequer, George Osborne, has announced that the government will publish its next Budget on Wednesday 16th March 2016. Earlier this week, a journalist got in touch with Martin asking for his comments on protecting your finances after an unexpected windfall. This is for you if you ever receive a lottery win, Premium Bonds prize and unexpected inheritance. How can you protect your finances if you receive an unexpected windfall? What should you factor into your Financial Plan if you suddenly receive a large amount of money? Why is it so important to keep the details of an unexpected windfall top secret – even from family and close friends? In this episode of the podcast, Martin also talks about the levels of investment returns we can expect to receive in 2016. You can find the show notes for this episode at www.icfp.co.uk/podcast/52. 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. Visit www.icfp.co.uk/itunes to subscribe in iTunes and leave a review.
Celebrity sportspeople can earn hundreds of thousands of pounds a week - but how do they make the good times last? Plus veteran investor Terry Smith tells us why he doesn't hold pharma stocks, and FT Money's new columnist Paul Lewis, presenter of Moneybox, tells us why he thinks Premium Bonds are a good bet. See acast.com/privacy for privacy and opt-out information.
Can you trust a financial journalist who has never seen Star Wars? Of course you can. And you can listen to him tearing up the week's money news. This is Money's chief entertainer and investigator, reporter and Star Wars virgin Lee Boyce joins editor Simon Lambert and Share Radio's Georgie Frost to discuss their favourite sci-fi movies, the mess that is the football business, a 30% hike in energy bills, what to do with a spare £100,000. Plus Premium Bonds, supermarket plonk and the country's creeping obsession with buy-to-let.
This week star reporter Lee Boyce joins editor Simon Lambert and Share Radio presenter Georgie Frost to discuss why Skoda is better than Lamborghini, how Tesco went so wrong, where to find the best bank accounts, Premium Bonds and how to get maximum... and now for our Mick Jagger moment... satisfaction from your investments
Melvyn Bragg and his guests discuss randomness and pseudorandomness.Randomness is the mathematics of the unpredictable. Dice and roulette wheels produce random numbers: those which are unpredictable and display no pattern. But mathematicians also talk of 'pseudorandom' numbers - those which appear to be random but are not. In the last century random numbers have become enormously useful to statisticians, computer scientists and cryptographers. But true randomness is difficult to find, and mathematicians have devised many ingenious solutions to harness or simulate it. These range from the Premium Bonds computer ERNIE (whose name stands for Electronic Random Number Indicator Equipment) to new methods involving quantum physics.Digital computers are incapable of behaving in a truly random fashion - so instead mathematicians have taught them how to harness pseudorandomness. This technique is used daily by weather forecasters, statisticians, and computer chip designers - and it's thanks to pseudorandomness that secure credit card transactions are possible.With:Marcus du SautoyProfessor of Mathematics at the University of OxfordColva Roney-DougalSenior Lecturer in Pure Mathematics at the University of St AndrewsTimothy GowersRoyal Society Research Professor in Mathematics at the University of CambridgeProducer: Thomas Morris.
Melvyn Bragg and his guests discuss randomness and pseudorandomness.Randomness is the mathematics of the unpredictable. Dice and roulette wheels produce random numbers: those which are unpredictable and display no pattern. But mathematicians also talk of 'pseudorandom' numbers - those which appear to be random but are not. In the last century random numbers have become enormously useful to statisticians, computer scientists and cryptographers. But true randomness is difficult to find, and mathematicians have devised many ingenious solutions to harness or simulate it. These range from the Premium Bonds computer ERNIE (whose name stands for Electronic Random Number Indicator Equipment) to new methods involving quantum physics.Digital computers are incapable of behaving in a truly random fashion - so instead mathematicians have taught them how to harness pseudorandomness. This technique is used daily by weather forecasters, statisticians, and computer chip designers - and it's thanks to pseudorandomness that secure credit card transactions are possible.With:Marcus du SautoyProfessor of Mathematics at the University of OxfordColva Roney-DougalSenior Lecturer in Pure Mathematics at the University of St AndrewsTimothy GowersRoyal Society Research Professor in Mathematics at the University of CambridgeProducer: Thomas Morris.