Podcasts about seven investment management

In this episode of The Time Management Podcast we meet Sandra Dailidyte, a Portfolio Manager at Cazenove Capital who shares her approach to Time Management. It's fair to say that Sandra leads a busy life and is dedicated to continuous improvement. However, listen to this podcast to hear how she finds space for rest and deliberate time wasting.   This Episode is for you if: → You're overwhelmed by all the hype around Time Management → You want to get back on top of your schedule and actually enjoy the life you have → You're ready to hear from someone unafraid to try, to fail and to try something different   “It's ok to change your mind, I'm an adult I can give myself permission to change course.” Sandra Dailidyte   In this episode we also covered: Evolving Relationship with Time Collective Obsession with Productivity Collective Obsession with Time Management Creating work/life Balance Goal Setting for Gardening Leave The Power of Manifestation Writing & Speaking your desires out loud Enjoying the Journey Prioritising my health & wellbeing Discipline & Presence Fitness: Enjoyment over Aesthetics Mental Health & Mindfulness The Concept of Active Rest Permission to ‘waste time' Reframing Productivity & Rest Henry Ford - Productivity Theory The Busy Badge of Honour The 888 Formula - Allocating your 24 Hours Energy Management  Police Dog Training & Competitions Turning Failure into Fun Scheduling Priorities - Prioritising your Schedule Self Reflection & Honest Intentions Sandra's Top Time Management Tips Top Tips for managing your life admin Managing your mental chatter - The internal Committee The Importance of enjoying the Journey Fear of too much Time Telling a new Story - I have enough Time Enjoying your spare time & Hobbies Choosing Happiness Is this my belief or someone else's Living in alignment with your Human Design And so much more   ⬇️ What did you take away from this episode, comment below ⬇️ ⏰ It's your Time!   Sandra Dailidyte  Sandra works as a Portfolio Manager at Cazenove Capital in Edinburgh, where she advises some of the most successful business leaders and entrepreneurs in Scotland.  In her spare time, Sandra can often be found at the gym, lifting weights; she holds the title of British Weightlifting Masters Champion and was named Lithuania's Strongest Woman in 2020. An achiever at heart, her training sessions with her beloved German Shepherd, Zara, have also turned into competitions. Sandra joined Cazenove Capital in 2024 as a Portfolio Manager based in Edinburgh. With over 12 years of experience in financial services, Sandra has a keen interest in and experience of working with Entrepreneurs and Business Owners, as she has in previous roles at Brown Shipley and Seven Investment Management. She holds the Chartered Wealth Manager qualification and a Master's degree in Economics from the University of Edinburgh. Cazenove Capital is the high-net-worth wealth management business of Schroders in the UK and Channel Islands, and has been helping individuals, families and charities meet their objectives for many years. As a long-established wealth manager with an absolute focus on preserving and growing our clients' wealth, what matters most to our clients, matters most to us. Connect with Sandra on Linkedin: https://www.linkedin.com/in/sandra-dailidyte-aba64179/   …………………………………………………………………………….   ⭐️ LINKS FOR THE EPISODE: - RESET YOUR SUCCESS STORY: 2025 https://bit.ly/RYSS2025 - Work with Abigail this year, start here: https://bit.ly/NEWENQUIRY - Subscribe for Podcast Update Emails: https://bit.ly/PODCASTEMAILS - Useful Links: https://bit.ly/EPISODELINKS   ⭐️SUCCESS BY DESIGN TRAINING SOCIAL MEDIA: Linkedin: https://www.linkedin.com/in/abigailrbarnes/ Instagram: https://www.instagram.com/successbydesigntraining/ Facebook: https://www.facebook.com/successbdtraining YouTube: https://www.youtube.com/@successbydesigntraining   ABOUT ABIGAIL BARNES: Abigail Barnes is the founder & CEO of Success by Design Training, an award-winning entrepreneur, author, speaker, and corporate trainer on time management and productive wellbeing. She is a qualified coach and creator of the renowned 888 Formula. In February 2012 at the age of 32 Abigail had a stroke on a work business trip to Boston USA. This was her wakeup call; time is precious and we don't have any to waste! Success by Design Training is on a mission to teach 1 million people how to Become the Productive Professional using The 888 Formula by 2025.  Abigail understands human motivation and uses her own near-death experience as a catalyst for change, to inspire, empower and teach others how to maximise their time. She holds a BA Hons Degree in Business & Marketing Management, a Professional Postgraduate Diploma in Marketing, DipM ACIM, a certificate in Neuroscience Professional Development, approved by British Psychological Society and is a qualified coach, approved by the Association for Coaching and the Institute of Leadership & Management, Portsmouth University Business School. Website: www.successbydesigntraining.com Email: enquiries@successbydesigntraining.com Audio Credit: Keith Hare Disclaimer: This content does not aim to replace professional medical advice or therapy. Please seek the support you need where necessary. Success by Design Training accepts no liability. 

Donald Trump has won the race for the White House. What does that mean for financial markets? With Ben Kumar, head of equity strategy at Seven Investment Management, we’ll delve into stock movements, the market volatility and the potential impact of tariffs. We’ll also unpack the economic ripple effects of a Republican-controlled Senate and learn about the backgrounds of two potential economic leaders under Trump: investor John Paulson and billionaire Elon Musk.

Donald Trump has won the race for the White House. What does that mean for financial markets? With Ben Kumar, head of equity strategy at Seven Investment Management, we’ll delve into stock movements, the market volatility and the potential impact of tariffs. We’ll also unpack the economic ripple effects of a Republican-controlled Senate and learn about the backgrounds of two potential economic leaders under Trump: investor John Paulson and billionaire Elon Musk.

Welcome to Monday Night Live! On this week's episode of Monday Night Live, hosted by renowned negotiation expert Derek Arden, we had the pleasure of welcoming back financial commentator Justin Urquhart-Stewart. As an expert with a wealth of experience, including his role as a co-founder of Seven Investment Management, Justin provided valuable insights into the current state of the global economy, the UK, the US, and the challenges Europe faces. Derek kicked off the session by mentioning their longstanding friendship and professional history. The conversation quickly delved into the significant financial and political issues impacting global markets. From the ongoing conflict in Ukraine and tensions with China to the recovery from the pandemic and the banking crisis, Justin offered a well-rounded perspective on how these challenges are shaping both global and domestic economies. The Global Economic Landscape: Key IssuesJustin highlighted the combination of troubling global factors, such as the war in Ukraine, ongoing issues with China, and the aftermath of the COVID-19 pandemic. Although the news might seem grim, Justin reminded viewers that markets are always in a state of flux, and this is nothing new. He emphasized the importance of staying calm and understanding the broader context rather than reacting emotionally to market shifts. UK Economy and Debt: The Impact of InflationThe conversation then turned to the UK, where Justin explained the economic pressures caused by inflation, rising interest rates, and public sector debt. He explained how inflation, although on a gradual downward trend, has significantly impacted the cost of goods and delivery delays, straining the economy. Justin provided detailed insights into the UK's rising public debt, which now exceeds £100 billion, double what it was in previous years. He also explained how the government adjusts its borrowing strategies to finance infrastructure projects and pay off rising debts. Despite the concerning figures, Justin noted that the UK economy is resilient and capable of managing these challenges over time. Europe: Fragmentation and Bureaucratic HurdlesShifting focus to Europe, Justin discussed the challenges facing the European Union, including political fragmentation and economic divergence among member states. He highlighted the differing responses of countries like Austria and Hungary toward Russia, creating a complex landscape for investors. The bureaucratic nature of the EU, according to Justin, makes it difficult to create cohesive policies, and this division could lead to further economic strain. US and Tech Markets: Cautious OptimismWhen discussing the US, Justin was more optimistic. He noted that the American economy has performed better than expected, especially in tech sectors. While there have been some concerns about inflation and the Federal Reserve's rate hikes, Justin reassured viewers that the US remains a key player in global markets. He advised caution, particularly when investing in individual stocks, and recommended focusing on long-term strategies rather than betting on high-risk ventures. The Far East: Growth OpportunitiesTurning to the Far East, Justin emphasized that this region still holds significant growth potential, particularly as China continues to wield influence across Asia. Despite tensions in the South China Sea and concerns over Taiwan, Justin pointed out that economies in Southeast Asia, like Vietnam, are benefiting from China's investments, but they must remain cautious of debt traps. Middle East and Geopolitical RisksToward the end of the conversation, the discussion moved to the Middle East, with a particular focus on the ongoing conflict in Gaza and the broader instability in the region. Justin shared concerns about how these tensions might escalate, particularly regarding Iran's role in the region. While these geopolitical risks are concerning, Justin expressed cautious hope for a more stab...

The broadcaster and investment commentator, Justin Urquhart-Stewart, is well-known to millions for wearing bright red braces during his many TV appearances explaining the ups and downs of the investment world. The co-founder and former director of Seven Investment Management sat down with host Claer Barrett to recount his decades-long City career, during which time the ability for retail investors to put their capital to work has become measurably easier - and cheaper. For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourseFollow Claer on social media @Claerb and contact the Money Clinic team via money@ft.comWant more?Check out Claer's column, Why do we think we can beat the market?Listen to more investment masterclasses, like How and ISA millionaire chooses stocks, Four ways to beat the market and more.Presented by Claer Barrett. Produced by Tamara Kormornick and Persis Love. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT's global head of audio.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

On this episode of the FTAdviser In Focus podcast we discuss current monetary policy and its effects on the bond market. Central banks in Europe and the US have raised rates as their economies are hit with rising prices. As a result bond yields have soared, as prices, in tandem with equity values, have crashed. But have banks acted quickly and strongly enough? William Morris, head of investments at Weatherbys Private Bank, Simon Holmes, multi-asset portfolio manager at Columbia Threadneedle Investments, and Ahmer Tirmizi, investment manager at Seven Investment Management, discuss this and other issues around current monetary policy and fixed income. Hosted on Acast. See acast.com/privacy for more information.

Derek is delighted to have Justin Urquart-Stewart back as a guest on Monday Night Live. These are crazy times and it is great to get the insights of Justin who is a Media guru, columnist and investment expert. Just a little history of Justin. When he graduated he joined Barclays, was posted to Uganda where he was ambushed by Idi Amin's troops in their revolution. He still has a piece of shrapnel in his right leg from that encounter. Justin became a stockbroker and has been the TV and radio face of first Barclays stockbrokers, then Seven Investment Management. When Seven was sold Justin retired BUT soon was back in action setting up Regionally. In between his work on TV and radio around the world. Discussed:- Ukraine, inflation, energy prices and the effect we can expect on commodities, markets and investments in the short term. Derek Arden https://derekarden.co.ukhttps://negotiatorspodcast.comhttps://www.linkedin.com/in/negotiatingexpert/ Justin Urquart-Stewart https://www.linkedin.com/in/justinurquhartstewart/

Analysis from Justin Urquhart-Stewart Partner and Co-Founder of Seven Investment Management.

The FCA Assessment of Value reports came into effect in September 2019 due to a lack of transparency in the financial industry. The reports were introduced to prompt asset managers to assess the value of each fund and take corrective action if it does not offer good value. However, the ambiguity and lack of understanding of what is involved in these reports has brought with it concerns from across the industry as asset managers question what value these reports will provide to the end consumer.  In today’s episode Twink is joined by three industry experts; John Bennett, Head of Adviser Proposition at Sparrows Capital Limited; David Ogden, Head of Compliance at Sparrows Capital; and Esther Armstrong, Marketing Consultant at White Marble Marketing, to discuss the ‘good, bad and the ugly’ of the new FCA Assessment of Value reports.  Themes covered in this podcast: An introduction to Assessment of Value (AoV) reports How the asset management industry has responded and what lessons have been learnt  The accessibility and purpose of the AoV reports Improvements that can be made to AoV reports and the next steps Tips for marketers to help drive better consistency and clarity with AoV reports  John Bennett has a financial services career spanning 30 years in the City of London. He has a broad range of experience having advised HNW individuals as Managing Director of the financial advisory arm of a top 20 accountancy practice as well as with Man Investments as Head of UK Retail Distribution and subsequently at UBS, managing UK distribution for their alternative investments platform. David has a wealth of experience in compliance having joined the regulator IMRO in 1992. Since ending his time there, he has held positions in compliance in both retail and institutional investment management. Following on from his thirteen-year spell as Head of Compliance at Seven Investment Management, David has now taken the compliance reins at Sparrows Capital. Esther Armstrong is an award-winning writer and content strategist within the investment management industry. Esther joined White Marble back in 2020 as a marketing consultant and brings over a decade of experience in financial services marketing and communications, previously holding positions at Money Observer, Interactive Investor, Portfolio Adviser and BNY Mellon.    

Providing first-class service to clients has been a challenge during 2020 as the pandemic unfolded - but that doesn't mean it has been impossible.Technology and communication were two of the most crucial elements to ensuring top-class client and adviser service, according to the panellists taking part in the Financial Adviser Service Awards 2020 podcast - which is sponsored by More2life.Simoney Kyriakou, editor of Financial Adviser, was joined by Stuart Wilson, corporate marketing director at More2life, Verona Kenny, managing director of intermediary for Seven Investment Management, and Jamie Smith, partner at Foster Denovo to discuss the way service provision has changed during 2020.They discussed how they had updated their processes to make sure service levels didn't drop as the pandemic spread and the UK went into lockdown and how client expectations had changed over the course of the year.The FTAdviser Podcast is the weekly podcast for financial advisers brought to you by FTAdviser.com. See acast.com/privacy for privacy and opt-out information.

Julia speaks with Justin Urquhart Stewart, Business Commentator at Seven Investment Management, about the latest unemployment figures released by the ONS. Former Work & Pensions Secretary, Sir Iain Duncan Smith, discusses the ongoing row over the Internal Markets Bill. Home Secretary, Priti Patel, tells Julia about the government recruiting 100,000 police officers since the campaign launched. See acast.com/privacy for privacy and opt-out information.

Today I want to talk about investing in retirement, which is a big subject, to say the least. So I've called in someone who knows what they are talking about because they have helped build a system for my sponsors, Seven Investment Management, to provide a future-proof managed investment system for their clients. I imagine we'll learn a thing or two…

Will UK taxes go up in the near future? A leaked Treasury document shows the government is pondering some taxing questions. In this week's FT Money Show podcast Claer Barrett and guests discuss what could happen - and when. Plus, financial planning is a topic we know many of you are turning to under lockdown - Michael Martin from Seven Investment Management gives some tips on what to prioritise. See acast.com/privacy for privacy and opt-out information.

Research suggests that they underperform robot traders, and most can't even beat the market, so are the days of the celebrity investors and stock market tipsters numbered? Ed Butler speaks to David Aferiat, whose computer-based trading system Holly has been picking the best performing stock picking algorithms since 2016. He claims that Holly consistently outperforms the market. So why rely on humans to make these decisions? Among those weighing the case for man versus machine are an old hand of the City of London, Justin Urquhart Stewart of Seven Investment Management; financial journalist Robin Powell; Ken Merkley of the Kelley School of Business in Indiana; and the veteran fund manager and robo-sceptic Paul Mumford. Producer: Joshua Thorpe (Picture: CNBC's Jim Cramer on the floor of the New York Stock Exchange; Credit: Steven Ferdman/Patrick McMullan via Getty Images)

Deputy personal finance editor Dave Baxter looks at how to use investment trusts to profit from unloved markets, out of favour areas and higher yields. Michael Martin, private client manager at Seven Investment Management, explains to draw a retirement income tax efficiently and why higher yielding investments aren't always the best option. And they consider the difficulties of choosing ethical and responsible funds, and set out some suggestions to help you find a fund that meets your requirements. See acast.com/privacy for privacy and opt-out information.

Barbie has had more than 200 careers over the past 60 years, including an astronaut, news anchor, fashion model and pop star. But what financial challenges does she face as she heads towards the Barbie Retirement Dream Home? Presenter Claer Barrett talks to Moira O'Neill of Interactive Investor and Michael Martin of Seven Investment Management, plus they debate common problems with inheritance tax and how to avoid a holiday rip-off. See acast.com/privacy for privacy and opt-out information.

Graham Rowan from Elite Investor Club meets media pundit and founder of & Investment Management Justin Urquhart Stewart and finds out he was a dealer in the school playground!.

In our latest podcast Heather Tilston talks to Henrietta Grimston from Seven Investment Management and our Director of Business Development, Mark Heaton, about the results of our research among over 50s about their attitudes to money. What does it mean for consumers and for the future of financial advice? Speakers: Henrietta Grimston, Relationship Manager at Seven Investment Management and Mark Heaton, Director, Business Development at The London Institute of Banking & Finance, Presenter: Heather Tilston For exclusive industry insight, like us on Facebook, follow us on Twitter, connect with us on LinkedIn and follow our blog.

Deputy personal finance editor Taha Lokhandwala is joined by Sam Handfield Jones, head of cash at Octopus Investments, Sophie Kilvert, private client manager at Seven Investment Management and James Norrington, specialist writer at the IC, to discuss the best ways investors can get more out of their cash by making small and active changes, along with looking at the pros and cons of cash fund alternatives. See acast.com/privacy for privacy and opt-out information.

On this week's show deputy personal finance editor Taha Lokhandwala explains how he put together the latest version of the IC Top 50 ETFs, what the list aims to do and how he selected the funds. Sophie Kilvert, private client manager at Seven Investment Management, considers the merits of passive investing and what effect a fall in inflation could have. And they debate the merits of investing in mainland China. See acast.com/privacy for privacy and opt-out information.

Seven Investment Management’s Justin Urquhart Stewart joins Jack Gilbert and Will Robins in the New Model Adviser® studio to talk about managing clients’ money and what to do in turbulent times.

Why everyone is talking about Barclays new DIY investment platform, August’s markets and your money and Templeton Emerging Markets’ turnaround. This week deputy personal finance editor Kate Beioley is joined by Henrietta Grimston, client relationship manager at Seven Investment Management and personal finance writer Emma Agyemang. The team talks about Barclays DIY investment platform re-launch last week and why it has riled some of its loyal stockbroking clients. They also take a look at the tech transformation behind Templeton Emerging Market’s performance. See acast.com/privacy for privacy and opt-out information.

In this week's show Chris Justham, relationship manager at Seven Investment Management, joins the team to consider whether you should invest in US equities, and which funds are the best way to access them. They also highlight some of the new investments trusts which have experienced the strongest asset growth. See acast.com/privacy for privacy and opt-out information.

The team highlight some areas where you can find cheap equity income, and look at how the financial regulator is proposing to make fund fees fairer. They are joined by Henrietta Grimston, relationship manager at Seven Investment Management, who also sets out some ways to maximise the tax efficiency of your investments. See acast.com/privacy for privacy and opt-out information.

You've heard me talk several times on this show about having a strong foundation for your financial plans. In practice, this means having some insurance in place so that if the very worst happens, your plans need not be washed away. In today's show, I'm going to look at the different kinds of insurance, how much you need and what you should look out for in the plans you already have.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Audit Your Insurance So let's talk about a foundation. When building anything, the foundation absolutely has to be right. If you build a house without an adequate foundation, at best you're going to get some unsightly cracks, and at worst the place will fall down. Life throws things at us which we don't expect. Some of those things are worse than others. Some have a greater financial impact than others. But a prudent person takes some steps to ensure that if some or all of these things happen, then the longer-term financial security of you and your family need not be compromised. Resources Here's the cheatsheet I've put together to summarise the things I talk about in this session: Podcast: Session 7, Protecting Your Future Podcast: Session 22, All About Trusts   Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Last week I introduced the nine areas of your finances that we're going to delving into for our Personal Finance Audit. The idea is that over time, some things get neglected and left to run, and sometimes it's good to take a fresh, detailed look at these ares to make sure they're still in good shape in helping you move towards your aims. Today I want to take a look at the absolutely fundamental area of spending… Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Audit Your Spending I've often said that financial planning is essentially about income and outgoings. If you're building wealth, you need to have some excess income so you can save and invest that over time. If you're retired and enjoying your money, then your spending rate will be a key determinant as to whether or not you run out of money one day. So no matter what stage of life you're at, keeping some kind of rein on your spending is important. As we go through this season, I want to keep the stuff you need to KNOW fairly short, and go long on the practical, what you need to DO stuff. Resources Here's the cheatsheet I've put together to summarise the things I talk about in this session:   Budgeting Tools: YNAB, Spending Tracker for iOS, Spending Tracker for Android, Fudget for iOS, Fudget for Android Podcasts: Session 3 - How To Budget Session 207 - Enough with Paul Armson Season 5, Episode 6 - Investing in Retirement, with Abraham Okusanya Session 157 - Making More Money, with Chris Marr Money To The Masses Websites: I Will Teach You To Be Rich, savings article Meaningful University - Budgeting course launching soon! Envision Your Money New style bank: Monzo   Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Welcome to a brand new season here on MeaningfulMoney. I'm excited to bring you this season because I believe that it will help every single listener to this show. Today's session will be introducing the season and helping you get ready and excited for it. Don't worry though, it ain't just fluff - there will be some action points to take as well.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk The Personal Finance Audit OK, I am calling this season of MeaningfulMoney the Personal Finance Audit. I battled with myself over what to call it. Is ‘Audit' too dull a word? Too forensic? Will everyone understand what it means? In the end I opted for the word audit because I want this to be a pretty thorough look over various areas of our personal financial situation, to help us identify areas which might need refining or improving. All with the aim of reaching our goals as quickly and efficiently as possible. So today I want to outline the nine areas of your personal finances we're going to be looking into over the coming weeks so you're well prepared for what's to come. Resources Book: Enough, How Much Money Do You Need For The Rest Of Your Life? Website: Envision Your Money Transcript As always there is a transcript available for the entire show. you can get it by clicking the huge blue button below:   Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Today I'm chatting to one of the most influential people in UK financial planning, Paul Armson. Paul coaches advisers in the UK and beyond who want to adopt lifestyle financial planning. He's written a new book, called Enough, and has created a really interesting new app which those of you wanting to make a start with your own financial planning are going to love.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Enough This episode is being released on Monday 8th May 2017 which is the start of Financial Planning Week here in the UK. This is a project designed to spread the word about professional financial planning and advisers up and down the country are putting on surgeries, delivering seminars, writing blogs, creating videos, and appearing on TV and radio to get the message out. This episode is my contribution to Financial Planning Week. Now my conversation with Paul is pretty wide-ranging, taking in the difference between financial advice and financial planning, the way he explains lifetime cashflow (which is super-useful), and the three different kinds of people he has seen throughout his career, and what each group needs to do. Resources  Book: Enough, How Much Money Do You Need For The Rest Of Your Life? Website: Envision Your Money For Advisers: Free video course to help you take your professionalism to the next level Website: Financial Planning Week Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

When Rob Dix, one half of the Property Podcast duo Rob & Rob, approached me and asked if I would have him on to talk about his new book, How To Be A Landlord, I wanted to do it because I owe those guys quite a lot. But more than that, I knew Rob would bring amazing value to the thousands of you listening who are, or who aspire to be property investors.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk How To Be A Landlord Rob raises an excellent point in my conversation with him that once you buy a rental property, you not only become a property investor, you also become a landlord. There's loads of information on the former, but precious little on the latter, and Rob's new book is aiming to fill that void. In this week's value-packed show, you'll learn: Why adding property investing into your overall mix is a great idea, and why it might not be Why understanding your responsibilities as a landlord might make or break the success of your property investment How to go about finding tenants, and how to reference them correctly The importance of a good tenancy agreement How to have a happy relationship with your tenants How to deal effectively with things that go wrong The pros and cons of managing your property yourself or hiring a managing agent How to find a good agent if you opt for that route  Rob then suggests going through his checklist for all the above to make sure you're doing the right things. You can get the checklist by clicking that massive yellow button just below. See it? Yep, that one... Resources Firstly, there's the book itself, How To Be A Landlord, which you can get from Amazon by clicking the image to the left Podcast: Property Geek Website: Property Geek         Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Now the EU referendum has been announced, there is one question which I am starting to hear over and over again: How will Brexit affect my investments? Today I'm speaking to friend of the show, Justin Urquhart Stewart of Seven Investment Management, he of the red braces fame, and ask his opinion. He also tells us how he is going to vote and why… Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk How will Brexit affect my investments? Since 1973 the UK has been a member of the European Economic Community, and we voted in a referendum to stay within it in 1975. Well, I didn't, as I was born that year! Since then, the EEC has changed beyond all recognition and now, on June 23rd we're going to be given the chance to vote again on whether we should stay or leave what is now called the EU. As you can imagine, my clients have been asking the question - what will the British Exit, or Brexit mean for investments? So I have been reading, listening and watching what I can to try and get on top of the pros and cons of each camp. The first person I called was Justin Urquhart Stewart, who returns to the MeaningfulMoney podcast for the fifth time! In this session, you'll discover: What affect the announcement of the EU referendum has already had on investments Justin's view on the pros and cons of a British exit from the EU Some clear parallels between the pressures currently being faced by the EU and those faced in ancient Rome Some of the key drivers of the current market volatility, apart from the EU referendum How Justin Urquhart Stewart is planning to vote in the referendum The best plan for riding out market volatility, whatever the result I think there are so many facets to this debate and it will depend very much on your point of view. And it was ever thus, right? We'll make the decision based on what it means for us, perhaps at the expense of the greater good. Ah well, we'll see, sometime on June 24th probably, what the outcome will be Resources mentioned in this show Transcript: As always, there is a full transcript of this show available by clicking the big blue button below: Join the conversation I love to read and respond to your comments, so please do join in and share. Question: How are you planning to vote, and why? Please keep any comments respectful, or I'll just delete them and block you ;-) Share the love Hugs and kisses to Sparky Lu, and O-J P for their reviews this week - much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Over the past six years I have built up quite a body of work here on MeaningfulMoney. And that's especially true when it comes to how to invest. In today's show I am going to bring together some of the best investing resources on the site and try to fit them into a path to take you from zero to elite investment skills. Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk How to invest With 303 videos and 149 podcasts here on MM it can be hard to find what you need, though there is a very efficient search system. I am in the process of designing and building a new home page which will hopefully help new visitors find their way round, but until that is done, this post should help you navigate the best stuff when it comes to investing. Of the resources listed, more are podcasts than videos. Many of the videos are somewhat out of date now, and while I am redoing some of them, the podcast is generally where the meat is. Ready? Here are eight steps to become and investing ninja: Step 1 - Get into the right mindset Video number 246 talks about getting into the savings mindset. You need to start form a good place, as the changes you will make need to be deep-seated to last for a lifetime. This involves being future focused, getting mad at the financial services industry, and committing to taking control of your own future. Step 2 - Get started For those who are right at the very start of their personal finance journey, and are looking to pay off debt and begin saving for an emergency fund, I have a dedicated index page just for you. If you have done those things, and you're looking at how to invest, what's next? Podcast session 6 was a chat with the erstwhile Justin Urquhart Stewart of my sponsors, Seven Investment Management. In that show we agreed that investing should be dull, above all. You should understand your risk tolerance (more in a minute) and understand what makes a core investment portfolio. Then in Podcast session 10 we looked at Asset classes, or things you can investing, and a little bit about how they interact. And we followed this up with Podcast session 11, where we covered the platforms, wrappers and funds that these assets are held inside. this is the basic architecture for investing success. Step 3 - Understand Risk It has been proven beyond doubt that risk and reward are related. Risk is a multi-layered subject, as I discussed with my friend Richard Allum in Podcast session 16. Much later, I chatted to Paul Resnik of risk measurement firm Finametrica in Podcast session 119, and looked into the science of risk tolerance, and whether or not it changes in response to external factors. Finally, video number 300 covers the three main ways in which investment risk can be managed by ordinary folks, such as you and me. Step 4 - Educate yourself We're better at most things if we learn something about them in advance of diving in. The same is true for investing, which is why this site exists, and why you're here. You need to learn how to invest, before you start to invest. Podcast session 76 was a chat with journalist Robin Powell who created a documentary called How To Win The Loser's Game. Listen to the show and watch the film; it'll set the scene. Then I embarked on a four-part investment masterclass covering: Asset Allocation Risk and return Setting realistic targets Understanding costs Those four podcast sessions will give you a superb grounding of education and equip you to make good choices. Step 5 - Get practical Armed with all that good information, it is time to get your hands dirty with some practical investing. Back in Podcast session 41, I took listeners through how to build a portfolio from scratch, exactly how I would do it. I then chatted subsequently with Mark Polson of platform consultancy the lang cat, in Podcast session 75. If you're going to go it alone and not seek professional advice, there are plenty of online systems to help you invest in various ways, and Mark's guide helps you decide which is best for you. Once a portfolio is built, it should be reviewed. In Podcast session 96 I cover what to do when you sit down each year to look at the year just gone and the one coming up. What should you be looking for? What should you ignore? Step 6 - Learn about behavioural finance We are so often our own worst enemies. While investing is a science, as humans we are driven by emotion, and as such we can make some very bad decisions. Half the battle with learning how to invest is understanding why we make mistakes and putting in place a framework to minimise these. Back in Podcast session 43 I covered nine classic investing mistakes that I see people make over and over again. Then, in one of my favourite conversations I have had for the podcast, I chatted to Greg Davies from Barclays Wealth over two shows, session 108 and session 109. Greg is the UK's foremost authority on behavioural finance and gives us some very practical tips on how to make good investing decisions. Finally, I make my own attempt to give some practical tips for making smart decisions in Podcast session 118. Step 7 - Get things in context As I often say here on MeaningfulMoney, money is never an end in itself, but a means to an end. It is there to serve your life goals, and to enable them, never to be a goal in itself. It is therefore vital to invest with this context in mind. In Podcast session 48 I asked some important questions, crafted by the father of financial life planning George Kinder. These three questions will help put money in its proper place. I then interviewed my good friend Tina Weeks in Podcast session 85, and she shared her approach for putting money into perspective. Step 8 - Take things to the next level Finally, for those plucky few who make it this far, there is the opportunity to level up, and take your investing to the next level. In Podcast session 81, I cover some advanced investing techniques, and in Podcast session 24, I talked about some lessons we can learn from how the super-rich manage their wealth. I chatted to financial guru Todd Tresidder in Podcast session 123, and asked the question: How much do I need to retire. Todd himself retired at 35 or something incredible, so he's a good man to learn from. And then in Podcast session 113, I covered ways to put your finances on autopilot, so you can grow your wealth while you sleep. Summary Phew! I think that is plenty for most people to be going along with. If you can apply the information about how to invest contained in these podcasts and videos, your financial success is pretty much assured.   Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Which of these resources has benefitted you most, and why? Share the love If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

This month on MeaningfulMoney, we have dived deep into the world of tax planning, and I have hinted about tax-efficient investing as I've gone along. This week I want to give you a comprehensive checklist to everything you need to KNOW and then everything you need to DO to make the most of the many tax planning angles available to you when you are investing.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Tax-efficient investing Checklist By now, you know how I feel about tax. It's necessary to pay it, even our duty to pay it in order to contribute to society. But part of living in a developed economy is that the government uses tax breaks to encourage investing in certain ways. It's those tax-efficient investing techniques I want to explore today. What I go through today will be all that 98% of you ever need to do. If you tick off these things you'll save as much tax as it is possible to save when investing. Any other questions or comment, leave them in the show notes. Resources mentioned in this show Blog: Contrived Tax Planning Checklist: Click the big yellow button below to download the checklist so you can tick off each step Transcript: As always, there is a full transcript of this show available by clicking the big blue button below: Join the conversation I love to read and respond to your comments, so please do join in and share. Question: What capital gains tax planning and inheritance tax planning measures have you taken? Share the love Hugs and kisses to TimW123 and Rtheyalltaken for their reviews this week - much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Last week, we covered Income Tax planning, but there's a whole world of planning you can do outside of that, to feather your own nest. In today's show I'll cover the two other main personal taxes, and look at how you can do some good solid Capital Gains Tax planning and Inheritance Tax planning [smart_track_player url="http://traffic.libsyn.com/meaningfulmoney/MMP147.mp3" title="Session 146: Income Tax Planning" artist="MeaningfulMoney Podcast" color="01A83C" social="true" social_twitter="true" social_facebook="true" social_gplus="true" ] Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Capital Gains tax planning & Inheritance Tax planning Capital Gains Tax (CGT) and Inheritance Tax (IHT) - both will likely figure at some point in your investing career, if they haven't already. But CGT and IHT are most definitely able to be planned around, and I'm here to be your guide. All tax allowances and rates are for the 2016/17 tax year, and this is UK-only folks - apologies to my overseas listeners. Check out the archive! In this session, you'll discover: How capital gains tax works What CGT is charged upon and how it is calculated Why it might  be a good idea to make a loss from time to time How to make the best use of your assets for Capital gains tax planning Which kinds of investments are advantageous for CGT How Inheritance Tax works What the Nil Rate Band is, and how it is changing The three best ways to reduce your IHT liability How to best execute your Inheritance Tax planning strategies Everything I cover in this session will be enough for most people to never pay either Capital Gains Tax or even Inheritance Tax. Most of us don't have big issues with these taxes, but just need to know the best ways to work around them. Resources mentioned in this show Podcast: Personal Taxation Overview Podcast: Income Tax Planning Video: Enterprise Investment Schemes Transcript: As always, there is a full transcript of this show available by clicking the big blue button below: Join the conversation I love to read and respond to your comments, so please do join in and share. Question: What capital gains tax planning and inheritance tax planning measures have you taken? Share the love Hugs and kisses to Toxic_Fairy, and Dr Simon Li for their reviews this week - much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Income tax is a fact of life for most people, but income tax planning opportunities are available to everyone who needs them, if you know where to look. In this week's show I cover the obvious and not-so-obvious income tax planning tips you need to know.   Podcast: Subscribe in iTunes | Play in new window | Download   Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Income tax planning The current and previous governments have done a great deal to bring more people out of paying income tax by increasing allowances, of which more in a minute. For those of us who do pay tax, there are plenty of ways of saving tax legitimately and that's what we're looking at today. By the way, I'm guessing there are not too many bazillionaire footballers and pop stars listening to this. These are the kinds of people who have fallen foul to tax avoidance schemes which turned bad. Needless to say I'm not a fan of anything dodgy. In fact, I wrote a blog about the difference between tax avoidance and tax evasion, and why I think it is right and proper that we pay tax, even while using all the many allowances and reliefs that are offered to us to reduce tax. BTW, this is a session geared towards UK taxpayers, as I have no idea how tax works anywhere else in the world! In this session, you'll discover: How income tax works All the allowances which are available from April 2016 All about about income tax reliefs – free money! What you should do if you're in a relationship, to save income tax How to use the coming facility of ISA restocking to your advantage How to make the most of the new dividend allowance Which tax wrappers you should use to take best advantage of income tax planning angles The new extended personal allowance, personal savings allowance and dividend allowance, coupled with the existing benefit of pensions and ISAs will mean that the vast majority of people could well pay zero tax on all their investments and pensions (except when you take money out of a pension). It's just a matter of organising things in the best way possible.   Also, watch for  the articles and videos on the MeaningfulMoney.tv site. I put out a blog post on Monday, the podcast on Wednesday and a video on Friday, and February is tax month, so that'll be the general theme, at least until I run out of stuff to talk about! If you have any questions about this personal taxation overview, leave a comment below. Resources mentioned in the show Podcast: Personal Taxation Overview – including a downloadable cheatsheet with worked income tax examples   Join the conversation I love to read and respond to your comments, so please do join in and share. Question: What income tax planning measures have you taken? Have you invested in different tax wrappers? Share the love Hugs and kisses to Troy50, Rob Mildren and Steve Binns for their reviews this week – much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe.

Personal taxation is changing. It's been a while since we looked at this subject, one of life's inevitabilities, so let's dive in to my personal taxation overview, and see where we end up!   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Personal Taxation Overview Yes, tax is changing, as it often does. I heard somewhere that in the UK have the largest tax code, when printed out as a series of books, of any developed country in the world. I don't know if that is true, but one things for sure, it IS a complex thing to understand, and yet it is so necessary. As ever though, I am here to simplify things for you and to cut down the reams of paper into bite-size chunks that you can APPLY to your everyday life and investing. We'll cover the three main personal taxes: income tax, capital gains tax and inheritance tax. This time, I'll be looking at what you need to know, and then over the next two weeks I'll look at what you can do to mitigate some of these taxes. BTW, this is a session geared towards UK taxpayers, as I have no idea how tax works anywhere else in the world! In this session, you'll discover: All about walls and boxes - that's a model for understanding income tax! The order your income is taxed in - it's important All about changes happening in April which transform how your income is taxed What is happening in April to the way interest on bank savings is paid How capital gains tax works How inheritance tax works How much you can leave your beneficiaries when you die, without paying tax It's tempting to get into some actionable stuff here, but listening to tax info is dry, so I wanted to keep it short-ish. Next week we'll look at income tax strategies, but for a visual cue to how this all works, download the cheatsheet by hitting the yellow button below.   Also, watch for  the articles and videos on the MeaningfulMoney.tv site. I put out a blog post on Monday, the podcast on Wednesday and a video on Friday, and February is tax month, so that'll be the general theme, at least until I run out of stuff to talk about! If you have any questions about this personal taxation overview, leave a comment below. Show transcript As always, there is a full transcript of this show available by clicking the big blue button below:  Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Is your tax situation going to be better or worse after the changes in April 2016? What are you doing about it? Share the love Hugs and kisses to Joshua Tharby for his review this week - much appreciated fella! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

Most of us leave our retirement savings later than we should. The best way is to start saving as early as possible, but how many 20 year olds do you know who are planning for their retirement?! But if you have left it late, all is not lost, and in this session I'll be giving you some top retirement savings tips to help you catch up…   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk Retirement savings tips for late starters So, you've hit your 40s, or even your 50s and you realise with a gulp that you haven't taken your retirement savings very seriously thus far. It's time to take action, and while it might seem like you have a mountain to climb, there's no better time to set off climbing than right now. You'll need to strap in though, and get serious. But you can do that. After all, it's your future on the line. So, as usual, I'll cover a couple of mindset things you need to know first, and then spend the rest of the time looking at some practical things you can do to achieve you goal of retiring before you hit age 85. In this session, you'll discover: That it's never too late, but that the right time to start is NOW! That you are the only person who really cares about your own future comfort The biggest hurdle to jump BEFORE you can save effectively towards retirement How to make savings increase over time, on auto-pilot The power of reducing outgoings, and where to do that first That you can find money in all sorts of places you can put towards your future How to get free money towards your retirement The biggest factor working against your savings success I'll say it again: it is never too late to make strides towards funding your retirement. The later you have left it, the more sacrifices you'll need to make, but this is your future comfort we're talking about, and the retirement savings tips discussed in this show are worth following up. You don't have to live like a monk now, but I am reminded of Dave Ramsey's favourite saying: Live like no-one else, so that later, you can live like no-one else. If you're concerned about anything, leave a comment below. Resources mentioned in this show Video: Pay off debt quickly with the Debt Snowball Podcast: Making More Money Podcast: Direct Investment Platforms Podcast: How much do I need to retire, with Todd Tresidder Website: FinancialMentor.com (Todd's site) As ever, a full transcript is available - just click the enormous blue button below! Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Are you late in starting saving for your retirement? What steps are you taking to catch-up? Share the love Hugs and kisses to ACSWL, Lawrence Pease and davidnicholas59 for their reviews this week - much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

If you have pensions or investments, what if your provider fails? Do you lose everything? What protections are there in place? In this week's show, I'll be looking at what happens when it all goes wrong. Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk What if your provider fails? Today's financial landscape is more complex than it has ever been. We've got platforms, wrappers, funds, trusts, and lots of different levels of investment. You might hold some shares within a fund, within an ISA held on a platform. That's four levels of custodianship! But what happens if one or other of those providers goes belly up? While unlikely, it cannot be discounted, as the financial crisis of 2007/8/9 taught us. Prior to that, this ‘what happens if' question was largely theoretical. But then people started losing money in Icelandic banks, and stuff got real. So we need to understand what protections are in place for investors - UK investors of course - and look at some principles for making sure you're as protected as possible, wherever you live. In this session, you'll discover: How the Financial Services Compensation Scheme works, and its limitations Why it's important to understand who owns what? The simplest way to make sure your investments are always protected Why two different banks are not always two different banks Why you shouldn't lose too much sleep The one thing you definitely shouldn't do in a bid to protect your money I think that as with all things to do with worst-case scenarios, you should be knowledgable, but not let any of it drive your actions too much. It can be pretty hairy, handing over your hard-earned dosh to someone else to look after, but we do live in a developed part of the world with various protections in place. You must exercise caution and do your research, and then, to a certain extent, trust the system to look after you, as it has for countless people before you. If you're concerned about anything - either email me or  leave a comment below.

In any sphere of life, there are things which are big news one day, then fade away the next, and then there are the timeless things which stand the test of time. This follows in personal finance too, and today I'll be looking at some financial fads and fashions, as well as some timeless truths for those looking to increase their wealth. Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session: There is so much marketing in personal finance, and so many conflicting voices telling you what you need to know and what you need to do, ahem, that it can be hard to know what is true and permanent. You want to avoid these short-term financial fads and fashions, and I'm here to look at some examples and show the timeless alternatives which have stood the test of time, and crucially, how to tell the difference. In this session, you'll discover about financial fads and fashions, and: What constitutes a 'hot' investment and why they come and go We we often fall for these marketing messages The difference between a legitimate tax-saving scheme, and one which will be scrutinised by HMRC My pet-hate funds of the moment and why they're not delivering on their promises The two common-sense rules of thumb which will help you avoid being taken in Why it is essential that you know what you're really invested in You are responsible for your own wealth. You might hire an adviser - a good idea - to help you make big decisions, but it's your money at the end of the day and you have to take ownership. Do your homework and take you time with all decisions. If you're concerned about anything - either email me or  leave a comment below.   Join the conversation I love to read and respond to your comments, so please do join in and share.  Question: Have you invested in any of the fads and fashions I talk about this week?

It's a New Year, a time for taking stock, planning ahead and getting motivated. Today I have eight questions for you to ask yourself at the head of the year. Questions to help you focus you attention on your financial health this year. Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session: Back in New Year 2014 (when I had also just moved house, co-incidentally) I did a session on goal setting. Obviously it is the time of year to do sessions like that, and that session is worth going back over, but this year I want to do something a little different and give you some questions to ask yourself to get you thinking about what you want to achieve this year and how you might go about it. Here are the eight questions: What is going to be important to me this year? How am I going to prioritise these things each day/week/month? What was important to me last year, and did I succeed in prioritising these things? What can I learn from 2015 that I can apply in 2016? What are my financial goals right now? Can I stretch these goals more than I already am? How can I earn more money in 2016? How can I give more in 2016? So, just a few questions to start the year off in the right frame of mind and to set yourself on a track to financial success and abundance this year. I'd love to know how you have answered these for yourselves, so do leave a comment below: ***A full transcript will be available shortly - check back soon (Out of routine for the New Year, sorry!)*** Resources mentioned in this show Podcast: Session 42 - New Year Goals: Set them and stick to them Podcast: Session 137 - Making More Money Join the conversation I love to read and respond to your comments, so please do join in and share. Question: How have you answered these questions for yourself? What have you decided as a result?

For the month of November I conducted a survey of you, my excellent listeners and readers, to find out more about you and about how I can serve you better. In this week's show, I'm going to take a look at those results and let you know what they mean for this show and the site in 2016.   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session: OK. The survey took on average two and a half minutes to complete, so you may wonder just how much information I can glean from such a short survey. But, I have been reading, folks. And those questions were very carefully chosen for maximum effect, so let's look at the stuff I got to KNOW about you, my lovely audience, and then we'll look at what I'm going to DO with that information. In this session, you'll discover: The age range of my listeners How much you're worth!! Where in the world you are based Your employment status The stage in your financial lives that most of you are at right now What I plan to do with the MeaningfulMoney content next year The courses I'm aiming to produce BIG news for would-be investors Resources mentioned in this show Course: Learn How To Budget on Udemy Register your interest: Learn How To Invest Join the conversation I love to read and respond to your comments, so please do join in and share. Question: What do you want to read/hear/learn about in 2016. Let me know and I'll do my best to cover it! Share the love Hugs and kisses to JackNassisBaby, Steege77 and ap_in_dc for their reviews this week - much appreciated folks! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

This week, I answer a listener question about preparing for self-employment. You may also recall the session from a couple of weeks ago about adding a sideline income - this week's show will help with that too…   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session: Regular listener Andy wants to know what he might need to put in place before going self employed, particularly bearing in mind that he may not be able to draw a regular monthly income at least in the early stages of his business. In this session, you'll discover: The easiest thing to forget when you're preparing for self-employment The one thing you'll need to to do to survive as a self-employed person Why it might be best to start with some money behind you One big decision which will dictate your tax situation Why it is so important to keep good records form the start Some things you should be sure of if you're working from home The insurance you should think about What you need to know about pensions, and... Why you need to register with NICO. Resources mentioned in this show Book: Emyth Revisited - Michael Gerber Accounting software: FreeAgent Accounting software: Xero Podcast: Auto-enrolment Website: Gov.uk - registering as self-employed Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Are you preparing for self-employment? If so, what steps have you taken? Share the love No reviews this week due to recording a couple of shows in quick succession. If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

If you have more than one end goal for your investing, it can confuse your plans a little. Should you have separate investment pots for each goal? Different portfolio risk strategies? How to go about setting multiple goals is a question I was asked by one of the respondents to my 2015 listener survey, so I thought I'd strike while the proverbial iron is hot, and answer this one right away… Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session you will discover: Which variables you should bear in mind and which you should ignore when setting goals Why it's important only to think in today's money Why overthinking your goals setting is counterproductive How to separate long term from short term goals Which tax wrappers will best serve what kinds of goals How to build the underlying portfolio including asset allocation suggestions The one thing you shouldn't do when working to achieve your goals   Resources mentioned in this show Podcast: Session 111 - Setting Targets Podcast: Session 106 - Risk & Returns MeaningfulMoney 2015 Survey Finally, I have put together a cheatsheet which gives you an idea about the kinds of asset allocations you can use for different risk profiles and different timescales. Join the conversation I love to read and respond to your comments, so please do join in and share. Question: How have you managed different goals and timescales? What have you learned in the process? Share the love My thanks to AussieBoyUK and Simon Poulter for their reviews this week! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

State Pensions are changing. Again. In this podcast I'll cover all you need to know about the State Pension changes in 2016, and show you how to make sure you have maximised your entitlement to this important state benefit… Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session you will discover: What the new State Pension will look like in 2016 The impact National Insurance contributions has on the your pension entitlement Why "contracting out" will reduce the pension you get one day How to get a State Pension forecast How to top-up in the special window of opportunity between now and April 2017 How to buy extra qualifying years through voluntary NI contributions How to consider the State Pension Changes in 2016 in the context of your wider retirement planning I realise that this subject will only be immediately relevant to a smallish proportion of my listeners, but it's impossible to have every episode serve everyone listening. If this does affect you and you have any questions, then do let me know. Otherwise, remember that retirement is a very, very long holiday with lots and lots of free time to fill. That'll cost you, so you need to get things in place to enjoy it to the full.   Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Are you affected by the State Pension changes in 2016? If so, how? And what are you doing about it? Share the love My thanks to MonsoonGold for her review this week! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

New rules governing pension death benefits which came into force in April 2015 have led to a large number of enquiries from people in deferred final salary pensions looking to transfer their benefits elsewhere. But final salary, or defined benefit pensions are considered the gold standard of retirement planning, so why would these people want to transfer out, and are they crazy even to consider it? In today's show we'll look at all the ins and outs of this very thorny issue. This is an important one… Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session you will discover: Why the new pensions freedoms rules have led to lots of enquiries about transferring final salary pensions The reasons people are giving for exploring transferring out The mechanics of how transfers work The factors you should consider if you're thinking about doing this What the risks are in transferring out your defined benefit scheme The essential steps you should take before proceeding The ultimate reason for NOT proceeding with a final salary scheme transfer After listening to this session, you may get the impression that I'm absolutely not in favour of transferring DB schemes. That's not true, but for the vast majority of people the guarantees of DB schemes are worth their weight in gold and when compared to the many risks involved in transferring, 999 out of 1000 schemes will be best left where they are. Please think very carefully about making the decisions to transfer and do seek competent advice. Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Are you looking into transferring your final salary pension scheme? If so, what are your reasons? Share the love My thanks to AmyInMorden for her review this week! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe. Just click the button below:

For years now I've been preaching here that money management is simple, and I do hold to that. But, while it may be simple, that doesn't mean it is EASY. Financial success takes time, sometimes a long time, and it can be difficult to keep the faith and stick to it for a long time. In today's show, we're going to talk about how to keep going when the voice in your head when they tell you to quit…  Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session you will discover: How goals keep you focused The best way to stay excited about your future plans That sometimes it's OK to go easy on yourself Why you should talk to yourself, not listen to yourself A great strategy for drowning out the negative inner voice One key practice for staying on track Inspiration is just as important as financial knowledge. I hope to bring some more inspiring stories to you over the coming weeks. There's a wealth of information here, and I'll keep going with that too, don't worry. But I want this show to become more rounded as it matures. Always interested to hear what you think of that, so do let me know in the comments.   Resources mentioned in this show MeaningfulMoney Goal- setting podcast: Session 42 MeaningfulMoney Mid-year goals update podcast: Session 68 Daily practice: Five Minute Journal Podcast: The Property Podcast Podcast: Money To The Masses Podcast: The Informed Choice Podcast MeaningfulMoney Podcast: The Power of Cashflow with J. Massey MeaningfulMoney Podcast: Session 107, Budget to win with Martin O Book: Getting Things Done MeaningfulMoney Podcast: Session 46 - How to organise financial paperwork Join the conversation I love to read and respond to your comments, so please do join in and share. Question: What resources do you use to keep on track when times are tough?

Today's guest is a financial powerhouse who has transformed his life and that fortunes of his family through embracing the teachings of Robert Kiyosaki, the author of the seminal work, Rich Dad, Poor Dad. In this interview, we get an insight into the mind of J. Massey and into the power of Cashflow…   Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session you will discover: How J. created significant wealth in a short period of time using property investment J's strategy for creating wealth using other people's money His three fundamental lessons he has learned through his investing career ...and three things he suggests we avoid at all costs What J. would say to his 20 year-old self How J's investing also helps him fulfil his big-picture life aims J. Massey is an inspiring guy. You can find out a lot more about him at the links below, but I definitely will be checking out the Cashflow board game, which looks really interesting; I'll try it out on my kids and get back to you! I'll also be re-reading the Rich Dad Poor Dad book that started it all. As always, a full transcript is available by clicking the mahoosive blue button below: [Insert Leadbox script here] Resources mentioned in this show Website: cashflowdiary.com Podcast: Cashflow Diary Book: Rich Dad, Poor Dad Join the conversation I love to read and respond to your comments, so please do join in and share. Question: Have you read Rich Dad, Poor Dad? If so, what did you learn? Share the love My thanks to £ Greggor £ for his review this week! If this show is of any use to you, it would help me massively if you would take the time to leave me a review on iTunes. This has a huge impact on keeping me near the top of the rankings, which in turns helps more people to find the show and to subscribe.   

The mortgage application process got more difficult last year, and right now, I'm experiencing this first hand. Today I talk to leading mortgage broker Andrew Montlake of Coreco, and he's going to tell us what we need to KNOW, and what we need to DO when applying for a mortgage. Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session you will discover: What the mortgage application process involves How the Mortgage Market Review has made applying for a mortgage more difficult Why affordability is a bigger deal than income multiples when working out how much you can borrow How to make your life easier when applying for a mortgage The advantages of using a mortgage broker over going direct Since recording this session, my mortgage has been agreed, thankfully! But the whole mortgage application process has really got me thinking and I'll be putting together a blog post about it very soon. in the meantime, there is tons of value in this conversation with Monty - enjoy!

Peer to peer lending is one of those things in life while there have been versions of it around for years, its popularity has exploded thanks to the internet. I am getting more and more enquiries and comments about it, so I thought we'd have a good look at it today. Podcast: Subscribe in iTunes | Play in new window | Download Sponsor Message This podcast is brought to you with the help of Seven Investment Management, a firm of investment managers based in London. They specialise in multi-asset investing, bringing institutional investing techniques to ordinary people like you and me. 7IM put their name to my show and to my site because they believe in what I'm doing, trying to get decent, easy-to-understand financial information out to the world. I'm very grateful to them for their support. You can see what they're up to at 7im.co.uk In this session you will discover: How P2P lending works and how it is raining on the banks' parade The benefits and limitations of P2P The big news which will catapult P2P into the mainstream How you should move forward with incorporating P2P into your portfolio The considerations you should bear in mind when determining how much to invest

Greece and China have been taking up a lot of column inches in recent weeks and months, but what is really going on? As ever, I turn to the nation's favourite markets commentator, and good friend of the show, Mr Justin Urquhart Stewart of Seven Investment Management. As ever Justin, does a sterling job talking us through the important issues, including Greece and China. You can catch much more of Justin on the 7IM website, and in particular, their 7IM TV page is good for checking out their views on the world economy and what it all means for investors. My thanks to Justin once again for coming on the show.

It's session 100 – woohoo! This week I have something a little bit different for you. It's just a bit of fun, so if you came to this session for serious financial information, then I'm really sorry, you'll have to wait till next week!   The bulk of this episode is a daft interview, of me, by my two daughters, Ellie & Kate, aged 15 and 11. I'll spare you the details of that, but let's get on to the important bit: Thanks for the last one hundred sessionsSo, after 100 sessions of this podcast, I think it is worth marking the occasion with some thank-yous for those who have helped me get this far. 100 sessions is a heck of an achievement, though I say it myself – many podcasts don't make it past episode 10! So thank you too: My ever-patient wife, Joanne, plus the two mingbag girls you heard earlier! My colleagues at Jacksons Wealth Management, Roger, Chas and all the staff. My sponsors, Seven Investment Management who have supported me for over three years and without whom this whole thing would not be possible. Rob Bence and Rob Dix from The Property Podcast for giving me an early shout-out on their phenomenally popular show. They are going great guns and they deserve all the success which is coming their way Some super-fans who are quick to comment on Twitter and iTunes: Andy N and Sarah B, Miss Moneypocket All the many people who have left ratings and reviews on iTunes – please continue to do so! Everyone who has listened to the show and sent emails, left comments and the few of you who have sent voicemail questions (please more people do this!) – This show would be nothing without the listeners – it would just be me talking to myself! I have now busted through 250,000 downloads, which is another cracking milestone. That's taken just under two years since I began a weekly show in May 2013. If the current trajectory continues, then I could break half a million downloads possibly by the end of the year. I am now getting 5,500 every week. Please tell everyone you know!