Money Clinic with Claer Barrett
Episodes
A new mortgage guarantee scheme, index trackers and misuse of bridging loans
24 Nov 2011
Contributed by Lukas
This week we look at whether the government's new scheme will get the housing market moving. Why advisers are slow to recommend low-cost tracker funds...
Falling pension income, investment charges and what the Virgin/Northern Rock deal means for you
17 Nov 2011
Contributed by Lukas
We look at how QE is hitting pensioner's income, whether investments are becoming too costly, and whether Virgin buying Northern Rock could make banki...
Banks paying negligible interest on savings, European bank shares and standard variable rate mortages
10 Nov 2011
Contributed by Lukas
This week, we look at banks that are paying virtually no interest and making it almost impossible to keep track of their best savings deals. Should yo...
Pension charges, tracker funds and solar energy
03 Nov 2011
Contributed by Lukas
We look at why pension providers penalise you for changing jobs. Also, how index tracker funds distort share prices. And, is the sun setting on solar ...
Which Junior Isa should you take out?
26 Oct 2011
Contributed by Lukas
Keeping ahead of inflation - how much risk are you taking? We look at which Jisa you should take out for your child. And where £1m plus borrowers can...
An inflation special for the Money Show
19 Oct 2011
Contributed by Lukas
How to inflation-proof your pension and inflation-beating savings accounts. Dividends are on the rise this year, but where can you find the highest yi...
Getting the right advice about energy deals
12 Oct 2011
Contributed by Lukas
Energy prices are still on the rise – but are you being given the right advice about the best deals? Why government reforms mean some face huge cuts...
How sustainable are 1.99% mortgage deals?
05 Oct 2011
Contributed by Lukas
Mortgage rates set to fall further - how low can they go? Advisers say absolute return funds aren't right for their clients, so who are they suitable ...
Is gold losing its shine?
28 Sep 2011
Contributed by Lukas
We ask what this week's price swings say about gold's safe haven status. Are pension savers geting a fair deal? We assess new moves to improve your in...
Should you invest in ETFs after UBS?
21 Sep 2011
Contributed by Lukas
How high are the charges on your pension. We name the plans that have lost 39 per cent. And, we look at whether exchange traded funds are only for rog...
Which shares pay dividend yields of 7%?
14 Sep 2011
Contributed by Lukas
We look at how to get higher income from shares and whether dividend yields of 7 or 8 per cent are sustainable. How your bank will respond to the Vick...
How to inflation-proof your savings
07 Sep 2011
Contributed by Lukas
How to protect your savings now that National Savings Certificates have sold out. When should you retire now annuity rates are at a record low? And wh...
Take your money out of so-called dog funds
31 Aug 2011
Contributed by Lukas
Banks pay out £215m in compensation for missold PPI policies. Why billions are still invested in so-called dog funds. And mortgage rates - how you co...
Would you buy shares in this market?
24 Aug 2011
Contributed by Lukas
We reveal who is buying shares at the moment and what they're buying. What can you buy for your pension? We look for investments to protect your pensi...
Interest rates cut on SAYE schemes
17 Aug 2011
Contributed by Lukas
What would continuing low interest rates mean for mortgages and savings? Why a rise in stock markets in the next five years would make structured prod...
The riots and your rights
10 Aug 2011
Contributed by Lukas
What property and business owners need to know about their insurance claims. Market turmoil and your investments, and which shares can bounce back aft...
Should you board the flight to safety?
04 Aug 2011
Contributed by Lukas
As the debt crisis deepens, we seek safe havens for your cash.Go East, not West - why investors now want assets in strong Asian currencies. And is it ...
Get yourself in a fix
28 Jul 2011
Contributed by Lukas
In this week’s show: The cheapest five-year mortgage in history has just been launched; should you get out of your fixed income? Find out what a Gre...
UK mortgage rates fall again
21 Jul 2011
Contributed by Lukas
Also, savers are still being transfered into high-charging pensions - we ask chair of Consumer Focus, Christine Farnish, when will mis-selling ever en...
Pension income shrinks again
14 Jul 2011
Contributed by Lukas
This week there was more bad news for people approaching retirement as new data showed a further decline in annuity rates - so what can you do about i...
Where is the best place for your cash?
06 Jul 2011
Contributed by Lukas
Banks are pulling their best savings deals - so where should you put your money now? Investment trusts are producing better returns than unit trusts. ...
Why the OFT wants card fees outlawed
29 Jun 2011
Contributed by Lukas
The OFT has ordered airlines, such as Ryanair, to stop hiding card surcharges. We look at why investors are not reclaiming tax on foreign share divide...
Do wealth managers run portfolios to suit you, or them?
15 Jun 2011
Contributed by Lukas
Your money is in their hands - do you trust your wealth manager? Their best ever mortgage deals - but only if you are a loyal customer. And why you on...
The cost of care
08 Jun 2011
Contributed by Lukas
When is a guarantee not a guarantee - we read the latest warnings on structured products. The cost of care - we add up the fees for residential and nu...
Will Britain become a nation of renters?
01 Jun 2011
Contributed by Lukas
We look at the latest threats in the property market. Do you buy high and sell low? We ask whether behavioural finance can help you make investment de...
It is time to go cashless?
25 May 2011
Contributed by Lukas
A pension offer you can refuse; why two-year fixed mortgages are a waste of time; and an end to cash - will phones be all you need in your pocket?Pres...
Brits face a French tax on holiday homes
18 May 2011
Contributed by Lukas
Banks face more complaints about selling insurance - is this the next PPI? Brits could be taxed on their French properties and can anyone face reading...
PPI: who stands to get compensation?
12 May 2011
Contributed by Lukas
The pitfalls of pension flexibility - why it's not a good idea to transfer a company scheme into flexible drawdown; The big PPI payday - how to get co...
Is it time to buy in the Spanish property market?
05 May 2011
Contributed by Lukas
What action should victims of hackers take? Where are investors moving their cash in the search for income? And is it time to buy in the Spanish prope...
Bank accounts fit for a king or queen
27 Apr 2011
Contributed by Lukas
Is the Royalties account, or any other fee-based banking service, a bit too rich for middle-class tastes? What would US fund investors make of British...
What the PPI ruling means for consumers
20 Apr 2011
Contributed by Lukas
Billions of insurance refunds - why you could claim back your payment premiums. 24 per cent annual returns - why farmland is now a fast-growing invest...
Which shares are fund managers buying?
13 Apr 2011
Contributed by Lukas
Under-capitalised and uncompetitive - but will your bank be any better if the latest reform proposals are implemented? Unloved and undervalued - but w...
When will value investing start paying off?
06 Apr 2011
Contributed by Lukas
We look at whether banks' special rates for loyal customers are good value or not. When will value investing start paying off? And how many fund manag...
Buying a house could get easier
30 Mar 2011
Contributed by Lukas
Are pension providers ready for new rules? Performance fees on investment funds are on the rise - but should you pay them? And, buying a house could g...
How was the Budget for you?
24 Mar 2011
Contributed by Lukas
Will you get the benefit of higher personal tax allowances? Will an inheritance tax break make you more charitable? And has investing in smaller compa...
What will the Budget hold?
17 Mar 2011
Contributed by Lukas
How your finances are affected by the events in Japan. Looking ahead to next week's Budget, and choosing this year's cash Isa Hosted on Acast. See aca...
Are the new high-street retail bonds any good?
10 Mar 2011
Contributed by Lukas
Fund managers are cutting charges ahead of a ban on commission, but are IFAs behaving? John Lewis is paying high interest but should you take out thei...
What a ruling on gender means for your money
03 Mar 2011
Contributed by Lukas
What will it do to your pension? We have good news for women but bad for men. Why do some index tracker funds go off the beaten track? And where can y...
How to save for university fees
24 Feb 2011
Contributed by Lukas
Looking for a cheap remortgage? Why it pays to go off the beaten track. Saving for university fees? Why you need to take on a degree of risk. And plan...
What can you do about rising inflation?
17 Feb 2011
Contributed by Lukas
Rising inflation - what can you do about it? We look at high street and offbeat investment products. Popular Isas - where are they now? We track the p...
Good news for buy-to-let investors
10 Feb 2011
Contributed by Lukas
Lenders return to the buy-to-let property market. How has your with-profits pension performed? We look at the latest figures. And, what investment str...
New gender rules could cut your pension
03 Feb 2011
Contributed by Lukas
Another 'Cautious fund' is launching, despite recent warnings from the FSA. There is a new set of rules from Europe - and this time it could cut your ...
Can social lending be an alternative to bank savings?
27 Jan 2011
Contributed by Lukas
Could you be banned from buying risky investments? Should you protect your portfolio from inflation or stagflation? And would you lend money to people...
Which fund names can you trust?
20 Jan 2011
Contributed by Lukas
Mortgage rates start to rise but where can you get the best deal on your savings? Barclays is fined for selling "cautious" funds - so which funds can ...
Fix your mortgage while you can
13 Jan 2011
Contributed by Lukas
Fears of a rate rise are growing, so is it time to fix your mortgage? Watch out for emerging risks in Emerging Markets. And where is the best place to...
Why Britons are rushing to sell their holiday homes
06 Jan 2011
Contributed by Lukas
Why some people are selling their second homes in the sun. A New Year means new pension rules - we explain what you can do now, and after April. And w...
Protect yourself against inflation
16 Dec 2010
Contributed by Lukas
Inflation is on the rise - so how can investors protect themselves? Tax-efficient schemes for investors could be under threat by the Revenue - so shou...
Overseas buyers snap up prime central London
09 Dec 2010
Contributed by Lukas
Investors are being offered more control over their pensions - so what are the top tips from experts? The government has announced yet another crackdo...
Wealthy borrowers turn to bridging loans
02 Dec 2010
Contributed by Lukas
Investors will no longer be banned from transferring out of their final salary schemes. Borrowers are turning to bridging loans but what are the best ...
Which are the safest banks for your money?
25 Nov 2010
Contributed by Lukas
As the Eurozone debt crisis continues, which are the safest banks for your money? Could your pension contributions result in a nasty tax bills? We exp...
An Irish bail out - what would it mean for your savings?
18 Nov 2010
Contributed by Lukas
How would an Irish bail out affect private investors in the UK? Can private investors ever get market timing right? And interest only mortgages - wher...
Fears of inflation are looming again
11 Nov 2010
Contributed by Lukas
How can investors inflation proof their assets? Millions of savers are coming off fixed-rate deals this year - but are there any good new products out...
Rogue letting agents are on the rise
04 Nov 2010
Contributed by Lukas
Santander is continuing its dominance of the UK high street - are savers benefiting? We offer tips to tenants and landlords. And, how to make your hom...
Prime property is back in demand
27 Oct 2010
Contributed by Lukas
The government is introducing Junior Isas but savers are finding it hard to get a good deal in the current market. Where are the property buyers comin...
What can you do about the spending review?
20 Oct 2010
Contributed by Lukas
This week's government spending review could hit your pocket hard. Some good news for homeowners looking to remortgage. And, if you want to save more ...
The government restricts pension tax relief
13 Oct 2010
Contributed by Lukas
The government announced a big reduction in the amount that people can save into their pension and still get tax relief. Investors are being urged to ...
Investing for your children, bond safety and mortgage restrictions
07 Oct 2010
Contributed by Lukas
This week the Money Show looks at strategies to avoid the child benefit cuts, and other investment vehicles for children’s funds, whether bond inves...
Isa transfers, house prices and the latest financial apps
29 Sep 2010
Contributed by Lukas
How to get a decent rate on your cash Isa, the latest on house prices and are the newest financial mobile applications any good? Hosted on Acast. See ...
Tax bills, pensions and buy-to-let
23 Sep 2010
Contributed by Lukas
Is it worth transferring your personal pension? We look at the exit charges that can make all the difference. Plus - high-earners' tax bills, and how ...
What has the Investors Chronicle learned from 150 years of writing about shares?
15 Sep 2010
Contributed by Lukas
Why are high street banks so keen to talk about investment bonds? Can property buyers think about new-build again? Plus the IC at 150. Hosted on Acast...
Unravelling the tax bill debacle
08 Sep 2010
Contributed by Lukas
The latest news on the tax bill debacle, whether investing in corporate bonds funds is still a good idea, and where are the best places overseas to dr...
Good funds hiding bad: why rating investment funds is harder than you think
02 Sep 2010
Contributed by Lukas
Which high street banks get the most customer complaints? Bad funds are merged into good ones, so how can we tell how they are performing? And why it ...
Are absolute return funds living up to their name?
26 Aug 2010
Contributed by Lukas
Interest rates could rise sharply if inflation gets out of control - so how can savers find the best deals? Not all absolute return funds are making a...
Inflation-proofed savings accounts are back
18 Aug 2010
Contributed by Lukas
Cheap tracker mortgages - why there's no need to get them while stocks last. Inflation proofed savings are here again. And cautious managed funds - wh...
What's going on in the property market?
12 Aug 2010
Contributed by Lukas
How can house sales be increasing when mortgage approvals and house prices are falling? When is a cautious managed fund not a cautious managed fund? A...
Banks are reporting bumper profits again
04 Aug 2010
Contributed by Lukas
Do banks shareholders have much to shout about? Banks have also been cutting their mortgage rates, but will applicants for interest only loans get a l...
Will you 'love' the new Metro Bank?
28 Jul 2010
Contributed by Lukas
We examine new proposals for lower pension contributions and a longer working life. Will you learn to love your bank? Metro Bank reckons you will. And...
How to inflation proof your savings
21 Jul 2010
Contributed by Lukas
Where to put your money now index linked certificates have disappeared. What should you do with your pension fund, while the government consults on ne...
Will you ever get another big mortgage?
14 Jul 2010
Contributed by Lukas
Will you get a large loan if you have to prove you can afford it? Will you see your pension get smaller, if its index linked to the CPI rather than th...
Investors turn their backs on private banks
07 Jul 2010
Contributed by Lukas
Why private banks lost investors more than 60 per cent last year. Why some "low-cost" funds can land you with a much higher tax bill. And why should y...
Investors are piling back into buy-to-let
30 Jun 2010
Contributed by Lukas
Investors are piling back into buy-to-let - but are there good deals out there? With-profits providers have been slammed for treating customers poorly...
It was the "unavoidable Budget"- but will most investors avoid CGT?
23 Jun 2010
Contributed by Lukas
Income tax allowances have gone up, but tax bands have come down -so are we paying more or less? And pension tax relief will get simper - but will it ...
Budget Special: Capital gains tax, income tax and pensions
21 Jun 2010
Contributed by Lukas
Capital gains tax has gone up - but not as much as expected. Income tax has effectively come down - but not for as many as expected. And pension red t...
The end of the FSA: what does it mean for consumers?
17 Jun 2010
Contributed by Lukas
It may be all over for the FSA, but what does it mean for consumers? BP investors are set to lose their dividends, so where else can they go for incom...
Is BP contaminating your portfolio?
09 Jun 2010
Contributed by Lukas
We assess the oil spill's effect on BPs share price and dividend. Who needs a financial adviser? We find even more investors going it alone. And who's...
Are there any safe haven investments any more?
02 Jun 2010
Contributed by Lukas
Is pension tax relief for the chop in the emergency budget? If so what should you do now? Are there any safe haven investments any more? And what's th...
Emerging markets roundtable - part four
27 May 2010
Contributed by Lukas
The final episode of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capit...
Buy to let lending is back
26 May 2010
Contributed by Lukas
Can two new mortgage providers revive the buy to let market? Child trust funds are no more. But what are the alternatives? And capital gains tax is go...
Concerns over capital gains tax rise
23 May 2010
Contributed by Lukas
David Giampaolo, chief executive of Pi Capital, an investor network group for wealthy people, talks to Lucy Warwick-Ching about why it could be risky ...
Emerging markets roundtable - part three
19 May 2010
Contributed by Lukas
The third of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and J...
Interest rates are at record lows but inflation is ticking up
19 May 2010
Contributed by Lukas
Inflation is ticking up so what can savers do? How would a reduction in tax relief affect your retirement? Why we're all still waiting for the governm...
Emerging markets roundtable - part two
13 May 2010
Contributed by Lukas
The first of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and J...
FT Money Show coalition government special
12 May 2010
Contributed by Lukas
Capital gains tax is going up in an emergency Budget - so how long have you got? What do the new tax policies mean for house prices? And what will hap...
How will a hung parliament affect your finances?
06 May 2010
Contributed by Lukas
A hung parliament sends sterling and the stockmarket falling - but how will it affect your finances long term? Could the Greek debt crisis spread to t...
Emerging markets roundtable - part one
05 May 2010
Contributed by Lukas
The first of four podcasts in the FT Money/Neptune emerging markets series. Listen to Jim O'Neill of Goldman Sachs, Tim Bond of Barclays Capital and J...
What do the three political parties have to say about tax?
28 Apr 2010
Contributed by Lukas
Banks are under fire for not dealing with customer complaints properly - but is there anything you can do about it? Property recovery funds have faile...
Which pension policies will get your vote?
21 Apr 2010
Contributed by Lukas
Airlines return to the skies - but they're flying in the face of the law when it comes to compensating passengers. Which pension policies will get you...
What do the election manifestos say about property?
14 Apr 2010
Contributed by Lukas
The election manifestos are hot off the press - but will they leave you hot under the collar about taxes on property? The Tories plan an early sale of...
Dividends are back - so where to find the best stocks?
07 Apr 2010
Contributed by Lukas
New Isa deals are already out - and 50 per cent taxpayers are being urged to take one out now. Dividends are back - so where to find the best income s...
ISAs, gold and stamp duty
31 Mar 2010
Contributed by Lukas
Are complaints about ISA transfers justified? Has much further can gold fever go? And is there any way to avoid the 5 per cent stamp duty? Hosted on A...
Budget special: stamp duty, ISAs and high-income tax planning
25 Mar 2010
Contributed by Lukas
It's a stamp duty holiday - but who qualifies? Plus, ISAs and tax planning Hosted on Acast. See acast.com/privacy for more information.
The Budget is days away but what will it contain?
18 Mar 2010
Contributed by Lukas
Is there still time to avoid possible Budget tax rises? Can you claim more tax back? And is the sun rising on Japan? Hosted on Acast. See acast.com/pr...
Can you get a better mortgage deal from a building society?
11 Mar 2010
Contributed by Lukas
State-funded banks are offering less competitive mortgage rates - so can you get a better deal at a building society? Buying privatised companies has ...
What does a weak pound mean for your investments?
04 Mar 2010
Contributed by Lukas
The base rate has been at 0.5 per cent for a year now - so is there any point locking up your cash? The dollar strengthens against the pound, and the ...
Adventurous Investor: Investing in Aim companies
26 Feb 2010
Contributed by Lukas
David Stevenson, the FT's Adventurous Investor, talks to David O’Hara of Blackthorn Focus about Aim-quoted companies and the way they treat their sh...
Northern Rock lifts its 100 per cent guarantee
25 Feb 2010
Contributed by Lukas
Northern Rock lifts its 100 per cent guarantee for savers - so where is the best place to get a cash Isa now? And employers are stopping payments to e...
Investing in farmland: why it's a good move for tax planning purposes
18 Feb 2010
Contributed by Lukas
Wealthy taxpayers are under greater scrutiny by the Revenue - so how can they protect themselves? Investing in farmland is looking like a good move fo...
Adventurous Investor: Demographics and market timing
11 Feb 2010
Contributed by Lukas
David Stevenson, the FT's Adventurous Investor, talks to Tim Bond and Michael Dicks about investing in demographics and timing your asset switches Hos...
Anthony Bolton reveals details of his new China fund
11 Feb 2010
Contributed by Lukas
Will it matter to investors that Anthony Bolton's new China fund is an investment trust? Private investors' lost more than a billion pounds worth of d...
Are cash Isas worth bothering with?
04 Feb 2010
Contributed by Lukas
Will you still have to buy a pension annuity after the election? Shouldn't higher earners seeking tax relief turn to VCTs? And are cash Isas worth get...