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The pandemic has forced everyone to reexamine their finances, whether it’s dealing with a pay cut, how to best use cash from staying home, managing the ups and downs of investment markets or using this time to make a career change. Whatever the question, Financial Times consumer editor Claer Barrett knows where to find the right tips for your money. Every week, Claer talks to a listener about their money queries and consults her rolodex of financial advisors, planners and writers for no-nonsense and informed guidance that will help all of us feel more confident making our money work. Produced by Josh de la Mare and Persis Love. The sound engineer is Breen Turner. Music by Metaphor Music.

Money Clinic with Claer Barrett Financial Times

    • Бизнес
    • 4.0 • 1 оценка

The pandemic has forced everyone to reexamine their finances, whether it’s dealing with a pay cut, how to best use cash from staying home, managing the ups and downs of investment markets or using this time to make a career change. Whatever the question, Financial Times consumer editor Claer Barrett knows where to find the right tips for your money. Every week, Claer talks to a listener about their money queries and consults her rolodex of financial advisors, planners and writers for no-nonsense and informed guidance that will help all of us feel more confident making our money work. Produced by Josh de la Mare and Persis Love. The sound engineer is Breen Turner. Music by Metaphor Music.

    Could I borrow to invest?

    Could I borrow to invest?

    Accountant Peter knows that to grow a business, you have to take on debt. But can he apply that same logic to his personal finances? He tells Claer how he is tempted to take out a bigger mortgage against his London flat and invest that money in a buy-to-let property - or even in the stock market. Has he come up with a brilliant shortcut to making some extra money, or is his plan to leverage up a recipe for disaster? Personal finance expert and FT columnist Jason Butler stresses that debt is no shortcut to wealth, while the FT’s European economics commentator Martin Sandbu looks at recent consumer debt trends.
    If you are a regular Money Clinic listener and want to be in with a chance of winning £250, then let us know what you think of the show at www.ft.com/moneyclinicsurvey 
    If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com
    Claer and Jason will be doing an Instagram Live on Tuesday 18th May at 7.30pm UK time discussing the issues raised on this episode. If you would like to take part and ask questions, follow Claer @ClaerB or Jason @JBtheWealthman on Instagram
    Further reading
    - Here’s our Money Clinic episode on how to get out of problem debt, and here’s the one about whether it's a good idea to pay off credit cards 
    - Follow Martin on Twitter and check out his book, The Economics of Belonging
    - Jason’s FT columns are available here. You can follow him on twitter and instagram and be sure to checkout his podcast
    - Jason recommends reading John Kenneth Galbraith’s The Great Crash 1929 and watching Capital in the Twenty-First Centur
    - For the latest on market trends, follow the FT’s markets page.
     
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    • 26 мин.
    Investment masterclass with Merryn Somerset Webb

    Investment masterclass with Merryn Somerset Webb

    Retail is not dead. Brexit could help UK companies. Take a small punt on bitcoin, keep your money invested in fossil fuel companies, and reassess your holdings in expensive tech stocks. These are pretty punchy opinions about the investment world — and they come from one of the FT’s top opinion writers, columnist Merryn Somerset Webb. In this special episode of the Money Clinic podcast, Merryn chats to presenter Claer Barrett about her personal investment strategy — and the forces she believes will shape the stock market in the years to come.
    Listeners should be aware that the discussion of investment trends on this podcast is for information only, aimed at people who feel confident making their own investment decisions. It doesn’t constitute an investment recommendation, or individual financial advice — if you want that, you’ll need to see an independent financial adviser.
    Find out more:
    - Both Merryn and Claer write a weekly column in the FT Weekend and you can follow them on Instagram and Twitter @MerrynSW @Claerb 
    - Hear Merryn’s tips for 19-year-old investor Ross in a previous Money Clinic, Beyond GameStop: The day trader turned investor
    - For a different take on ESG investing, check out this episode Can ESG investing really change the world? And if you’re new to investing, listen to How can I get started as an investor?
    - If you would like to chat to Claer about a real-life money problem on a future episode of the podcast, then drop us an email: money@ft.com 
     
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    • 22 мин.
    The finances of moving overseas

    The finances of moving overseas

    If I take a job outside the UK, what are the options for my investments, property and pension? 


    After months spent in lockdown, 31-year-old finance professional Viktoria is longing for a change of scene, and is planning to relocate overseas.


    She talks to Claer about her desire to escape the corporate lifestyle in London and her concerns about what would happen to her property, pensions and investments if she were to uproot. 


    David Denton, chartered financial planner at Quilter International, reveals the financial dilemmas commonly faced by Brits taking jobs overseas, and what someone in Viktoria’s position needs to consider. Theresa Wallace of property firm Savills talks through the pros and cons of renting out your home versus selling it when you move to another country. 


    Useful links:
    For tips and guidance on investing in ISAs, listen to How can I get started as an investor? 
    If you’re considering becoming a landlord and want to know more, check out Should I rent out my property?
    The FT’s Family Money columnist Lucy Warwick-Ching has some useful articles on the tax implications of working abroad during lockdown, and the need for sound financial advice when moving abroad. You can follow her on twitter here.


    Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email money@ft.com
     
    See acast.com/privacy for privacy and opt-out information.

    • 25 мин.
    Money Clinic meets Anne Boden

    Money Clinic meets Anne Boden

    Anne Boden spent over three decades in the traditional banking sector, watching the world around her being transformed by technology. In 2014, she decided that the time had come for banking to undergo the same shift, and quit her job to found Starling Bank. Since then, Anne has built Starling from an idea into a digital bank with 2m customers. 


    Claer talks to her about making the leap into fintech, the determination needed to turn an idea into a business and how she persuaded investors to back her. Budding business owners should sit tight as Anne shares some of the key lessons she learnt along the way - and why she thinks we should prepare for cash to completely disappear. 


    Read Claer’s review of Anne Boden’s autobiography, ‘Banking On It: How I Disrupted an Industry’. If you want to know more about how Anne Boden set up Starling Bank, you can buy a copy here.


    Follow Claer @ClaerB on Instagram and Twitter. If you’d like to talk about a real-life money problem on a future episode of the podcast, then drop us an email money@ft.com 
     
    See acast.com/privacy for privacy and opt-out information.

    • 21 мин.
    Can my money help save the planet?

    Can my money help save the planet?

    Making the ‘greener choice’ comes naturally to listener Ros. As more people become increasingly aware of how their daily decisions affect the environment, Ros is wondering if she can make a difference to the planet - and her pocket - through her bank account, pensions and plans for investing. Claer talks to the FT’s Alice Ross, author of 'Investing to Save the Planet' and Bevis Watts, chief executive of Triodos Bank UK. Review clip: Global Ethical Finance Initiative.
    If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com or follow her on Instagram and Twitter @ClaerB
    Further reading:
    -Follow Alice Ross on Twitter and check out her book here
    -To read further about greening your money, check out Ethical Consumer Magazine, Good with Money or Make My Money Matter
    -You can read an FT interview with Bevis here or check out the FT’s climate hub for the latest on climate change
    -For a deep dive into ESG investing, listen to this episode of Money Clinic 
    -Here’s some further reading on Danone’s sustainability credentials and on Natwest’s climate pledge
     
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    • 22 мин.
    Will having a baby break my finances?

    Will having a baby break my finances?

    Jenny and her partner are planning to have a baby but, beyond forking out for nappies and a pushchair, she has no idea how much becoming a parent will cost. How big a budget will the couple need to cover parental leave, childcare costs, and other unexpected expenses? Claer talks to Tobi Asare, founder of parental finance blog My Bump Pay, and Maike Currie, FT columnist and investment director at Fidelity International.
    If you would like to be a guest on Money Clinic and chat to Claer about a money issue that’s bugging you, get in touch — our email is money@ft.com or follow her on Instagram and Twitter @ClaerB
    Further reading:
    -Tobi’s blog My Bump Pay can be found here and has a wealth of resources for soon-to-be parents and she is on instagram @mybumppay You can download her baby equipment spreadsheet here, or use her planner to calculate how to spread out the ‘income shock’ of parental leave
    -Follow Maike Currie on Twitter @MaikeCurrie and check out her FT columns here
    -Check if you are eligible for the UK government’s Tax-Free Childcare account
    -Hiring a nanny: what I wish I’d known. Click here to read 
    -More than one million parents in the UK are estimated to have lost state pension credits by mistakenly not registering for Child Benefit. This free article explains what to do
     
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    • 24 мин.

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