The UK Personal Finance Show ~ Pensions, Investment, Savings and Insurance.

This week we look at buildings and contents insurance. During this podcast we look at why price isn’t the most important factor when taking out cover and we also look at added extras such as home emergency cover, legal expenses and personal possessions away from the home.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Inf...

With ISA season upon us again, Phil and John look at whether you should invest in a cash ISA, stocks and shares ISA, or a combination of both. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without notice and the accuracy and comp...

On this podcast episode we look at things to consider when getting married. Phil and John look at wills, prenuptial agreements, the marriage allowance, spousal exemption and post nuptial agreements. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be su...

Rising house prices have made it difficult for many first-time buyers to buy a home. On this podcast we look at ways you can help your children out from gifts to raising money against your own property. We also look at joint borrower, sole proprietor mortgages and also cover guarantor mortgages. Disclaimer It is important to take professional advice before making any decision relating to your pers...

This week Phil answers the most asked questions people ask about mortgages on Google. This includes what is a mortgage, how much can I borrow, and what is equity release? Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without noti...

January is historically a month where separations and divorce proceedings commencing often increase. In this episode we look at options such as selling up and moving home, and re-mortgaging to raise funds to buy the other party out. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our c...

We look at why it is important to teach children about money and discuss the ways you can do this. Kids who do better with money tend to have parents who talk to them about this and give them responsibilities for spending and saving from an early age.   Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within...

This week on the podcast we look at buying a property to let out. We cover things such as taxation, mortgage options, and options for using a limited company to do this.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change without...

We look at goal setting for the year ahead and discuss the sort of short-term financial goals you can aim for in 2022. Phil also shares some exercises and tips to help you achieve what you desire. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subj...

When you make any investment it is important to understand what you are getting in to. This week we look at questions to ask before you invest in something and cover areas such as investment risk, accessibility and consumer protection.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based...

On this podcast Phil and John look at when to review your mortgage and the options available. They look at options for re-mortgaging, along with trying to get a better deal from your current lender. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be su...

Guest expert Tony Lister from Remax Elite Inverness joins us this week to share his 13 steps to market your property and achieve a quick sale. Tony discusses photos, virtual tours, floor plans, online portals and print media among other things as he shares his top tips.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Infor...

For many people Christmas seems to get more expensive every year. This week Phil and John look at ways to reduce your Christmas spend this year. Some areas that are discussed on this week’s show include toys, food, Christmas trees and travel costs.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this pod...

In the last few years we have had market turbulence prompted by Brexit uncertainty and further market volatility due to the COVID-19 pandemic. This often prompts investors to question whether now is a good time to invest or to remain invested. On this podcast we look at investing in uncertain times. Disclaimer It is important to take professional advice before making any decision relating to your...

With many local banks closing we look at various ways you can bank and also look at the different types of accounts available. We also look at everyday banking at the Post Office. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current understanding and can be subject to change wit...

Over the last year we have seen many people look at setting up a new business. For some this has been forced by the pandemic and for others it is because they want their destiny to be in their own hands. We look at the various types of business you can set up and look at finance options, taxation and support for starting your new venture.  Disclaimer It is important to take professional advic...

This week we are once again joined by guest expert Robert Cochran from Scottish Widows. With people changing jobs and moving home more frequently it can be difficult to keep track of all your pensions. We look at how to track down your old pension plans.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within th...

Joining us on the podcast this week is Robert Cochran who is a retirement expert with Scottish Widows. We look at workplace pensions and look at how they work, how much gets paid in and when you can access these.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current underst...

If you want to make sure the people you love are provided for after you’re gone, you’ll need to start making a plan. We look at the benefits of planning early and also touch on wills, setting up a Power of Attorney, knowing who stands to inherit your pension, and speaking to your loved ones about your plans.  Disclaimer It is important to take professional advice before making any decision re...

Phil shares some of his top tips for financial goal setting. In this podcast we look at the importance of setting goals, planning and achieving your desired goals. We discuss various financial goals including paying off your mortgage early, buying that dream car and retirement goals. Disclaimer It is important to take professional advice before making any decision relating to your personal finance...

We look at some of the costs you will incur when you start a family. We also look at budgeting, maternity leave and pay, paternity leave and pay, along with child benefit and other help. We also touch on how your pension can be impacted and briefly look at life insurance, wills, and children's savings accounts.  Disclaimer It is important to take professional advice before making any decision...

According to Legal & General only 3% of people seek financial advice as part of their divorce but doing so can help ensure the separation is more likely to be fair and equitable, leaving all parties in the best shape to pursue the next chapter in their lives. This week we discuss pension sharing, earmarking and offsetting. Disclaimer It is important to take professional advice before making an...

If you have ever had thoughts about becoming a mortgage adviser or financial adviser then this episode is for you. Phil covers some of his journey and looks at the various ways to get into a career in financial services. Disclaimer It is important to take professional advice before making any decision relating to your personal finances. Information within this podcast is based on our current under...

On the podcast this week we look at ways you can purchase a car. We look at the various finance options available and discuss shopping around for the best finance deals. We also look at the various costs in running a car and look at ways you can reduce your motoring costs.  Disclaimer It is important to take professional advice before making any decision relating to your personal finances. In...

The baby boom generation now hold over half of all UK private wealth. In contrast, today’s younger generation face significant obstacles to accumulating wealth, due to high levels of student debt, expensive housing and the rising cost of saving for retirement. As a result, there has never been such a wide disparity in wealth distribution between the older and younger generations and the need for i...