Beste In For A Penny Personal Finance Simplified podcaster (2024)

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90 - Is now a good time to put your money into saving accounts? 24:36

1+ y ago24:36

24:36

In this episode, Josh and Marc chat about whether now is the right time to put you money into savings accounts Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendishcontent.com/ If you enjoyed this episode, please leave a review on your podcast app. Instr…

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89 - Why you need a Financial Adviser (with Nick Lincoln) 36:26

1+ y ago36:26

36:26

In this episode, Josh and Marc chat with Nick Lincoln about why you need a Financial Adviser You can find out more about Nick here - https://www.v2vfp.co.uk/ Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendishcontent.com/ If you enjoyed this episode, p…

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88 - How to become an ISA millionaire 24:39

1+ y ago24:39

24:39

Marc & Josh discuss how much you would need to invest and how long it would take to build a tax-free Isa portfolio worth £1m. Should becoming an Isa millionaire be your main aim of investing? Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendishcontent.c…

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87 - Financial Wellness and How to Find It (An interview with Melanie Eusabe) 25:48

1+ y ago25:48

25:48

In this episode, Josh chats with Melanie Eusabe, author of Financial Wellness and How to Find It You can purchase her book here - https://amzn.eu/d/aKvxEro You can find out more about Melanie here - https://www.melanieeusebe.com/ Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Con…

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86 - I Am Enough with Sheridan Stewart 29:09

1+ y ago29:09

29:09

In this episode, Josh chats with Sheridan Stewart, author of I Am Enough (The 90-day challenge to find contentment) You can purchase her book here - https://amzn.eu/d/e6RVHdI Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendishcontent.com/ If you enjoye…

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85 - What's more important to you - price or value? 27:57

2y ago27:57

27:57

In this episode, Josh and Marc discuss whether price or value is more important Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendishcontent.com/ If you enjoyed this episode, please leave a review on your podcast app Support this show http://supporter.ac…

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84 - Do journalists cause market panic 29:02

2y ago29:02

29:02

In this episode, Josh and Marc discuss whether journalists are to blame when there is panic in the market Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendishcontent.com/ If you enjoyed this episode, please leave a review on your podcast app Support thi…

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83 - How the Chancellor's tax changes may impact you 30:23

2y ago30:23

30:23

In this episode, Josh and Marc discuss how Chancellor Jeremy Hunt's Autumn Statement tax allowance changes may impact you. Plus, what other radical tax changes could come next? Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendishcontent.com/ If you enjo…

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82 - Top 10 Money Lessons I Wish I Knew Sooner with Andy Hart 31:50

2y ago31:50

31:50

In this episode, Josh and fellow podcast host and Financial Adviser Andy Hart, discuss the top 10 money lessons they wish they knew sooner Find out more about Andy Hart here - https://www.andyhart.co/ Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendish…

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81 - What does the Chancellor do? 29:10

2y ago29:10

29:10

Marc and Josh discuss the role of the Chancellor of the Exchequer and the options the Treasury has to balance the nation's books. Plus, the usual Arsenal football banter after Marc and his daughter took in a men's and women's game all in one day. Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc …

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80 - Is now the right time to remortgage? 31:17

2y ago31:17

31:17

As mortgage rates are on the rise, Josh and Marc discuss whether now is the right time to remortgage Find out more about Josh and The Orchard Practice here - https://topfs.co.uk/ Find out more about Marc and Cavendish Content here - https://cavendishcontent.com/ If you enjoyed this episode, please leave a review on your podcast app Support this sho…

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79 - An interview with Jamie Fiore Higgins (author of Bully Market) 30:22

2y ago30:22

30:22

Josh chats with Jamie Fiore Higgins, author of Bully Market (My story of money and misogyny at Goldman Sachs) You can purchase her book here - https://amzn.to/3fzs6Tk You can find out more about Jamie here - https://jamiefiorehiggins.com/ If you enjoyed this episode, please leave a review on your podcast app Support this show http://supporter.acast…

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78 - Why behaviour is key to becoming financially successful 40:56

2y ago40:56

40:56

Marc and Josh meet fellow financial planning podcaster Andy Hart of Maven Adviser to discuss the concept of Humans Under Management. What is humans under management? How does it work for financial planners and their clients? How does it differ from traditional financial planning? Support this show http://supporter.acast.com/inforapennypodcast. Host…

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77 - Is it time to reject inflation-linked premium increases? 22:18

2y ago22:18

22:18

Life, critical illness and income protection policyholders can increase their premiums with inflation each year to ensure their cover keeps up with the cost of living. Marc & Josh discuss if this is still worth doing as inflation hits double figures and other bills soar. Plus, Daleks appear to invade Marc's audio! Support this show http://supporter…

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76 - Is now a good time to invest? 28:40

2+ y ago28:40

28:40

Amid volatile stock markets and an uncertain political and economic environment, Marc & Josh discuss if now is a good time to invest. Why time in the market is more important than timing Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.…

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75 - Call waiting! How financial brands can improve customer service 21:56

2+ y ago21:56

21:56

Marc and Josh discuss how financial services companies are still using the pandemic as an excuse for reduce customer service. How can customer service be improved? Plus, the rudest road names in the UK and their impact on property prices! Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for mor…

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74 - How mortgage downvaluations could stifle sales 21:49

2+ y ago21:49

21:49

Marc & Josh discuss the issue of mortgage downvaluations in the housing market. What is a downvaluation Why would a lender downvalue a property What should a buyer or seller do if a property is downvalued Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.…

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73 - Joint accounts: Should couples pool their finances? 29:39

2+ y ago29:39

29:39

Marc & Josh discuss the benefits of couples having a joint bank account and how it can help with budgeting, saving and investing. Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.

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72 - Risk versus volatility: Which of these, if any, should concern investors most? 33:00

2+ y ago33:00

33:00

Marc and Josh discuss definitions of risk and volatility in light of Russia's invasion of Ukraine and the impact on the stockmarkets. How concerned should investors be? Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.

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71 - How to navigate the cost of living crisis 26:19

2+ y ago26:19

26:19

From interest rate rises to energy bill hikes, Marc and Josh discuss how to cope with the rising cost of living. - The bills you can still shop around for. - The expenses you may have to cut and the ones you should keep. Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.…

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70 - Many happy returns? The top performing assets of 2021 24:54

2+ y ago24:54

24:54

Marc and Josh discuss how various types of investments performed in 2021 and why it may or may not actually matter for your portfolio. Plus, have you ever been ambushed by chocolate cake? Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.…

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69 - Should unvaccinated people pay higher insurance premiums? 24:11

2+ y ago24:11

24:11

Marc & Josh discuss whether life and health insurers could start charging higher premiums for unvaccinated policyholders. Plus, should you ask a business contact if they are vaccinated before a face-to-face meeting? Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.…

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68 - How a savings challenge could help you manage your money better in 2022 26:40

3y ago26:40

26:40

Marc and Josh analyse the best savings challenges and how they can help you put money aside in a fun and effective way. What is a savings challenge? How do they work? Are they worth the effort? Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.…

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67 - How should your pension contributions be invested? 28:54

3y ago28:54

28:54

Marc and Josh discuss how to decide your pension investment strategy and why it is important to look beyond the default fund. Links: The Orchard Practice Cavendish Content Leave a review! Support our show with a donation! Support this show http://supporter.acast.com/inforapennypodcast. Hosted on Acast. See acast.com/privacy for more information.…

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66- How a financial plan and planner can help you 30:13

3y ago30:13

30:13

Marc & Josh discuss the benefits of annual planning meetings and how it demonstrates the role of a financial planner. What is the point of annual planning meetings The benefits of a financial plan What happens during a planning meeting Links: The Orchard Practice Cavendish Content Leave a review! Support our show with a donation! Support this show …

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65 - What an interest rate rise could mean for your money 27:23

3y ago27:23

27:23

As inflation rises and the Bank of England considers increasing interest rates, Marc & Josh discuss what this could mean for your finances. Why do interest rates need to rise? Who are the winners and losers from an interest rate rise? Why it may be too soon for a rate hike Links: The Orchard Practice Cavendish Content Leave a review! Support our sh…

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64 - How to live and invest sustainably, with Prudential 26:08

3y ago26:08

26:08

Marc & Josh discuss how to live and invest sustainably with Prudential’s head of business development Vince Smith-Hughes. How do you define sustainability? What are the financial barriers to sustainable living and investing? Is sustainable investing too much of a marketing term? Links: The Orchard Practice Cavendish Content Leave a review! Support …

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63 - How to navigate the energy market crisis 26:07

3y ago26:07

26:07

The energy supply crisis is leaving millions of households with more expensive gas and electricity bills. Marc and Josh discuss the impact of rising energy prices as well as winter beards and award ceremonies. Links: The Orchard Practice Cavendish Content Leave a review! Support our show with a donation! Support this show http://supporter.acast.com…

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62 - How a fund manager invests your money 31:31

3y ago31:31

31:31

Marc and Josh meet Ben Russon, vice president and portfolio manager at Franklin Templeton Fund Management. Find out how Russon, lead manager on the Franklin UK Opportunities Fund and co-manager on the Franklin UK Managers' Focus Fund, approaches buying and selling UK equities and the benefits of active management. Links: The Orchard Practice Cavend…

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61 - Is life insurance a pact with death and how should you pay for it? 33:44

3y ago33:44

33:44

Marc and Josh discuss why it's worth taking out life insurance and address Sunday newspaper suggestions that the product is a pact with death. What is the difference between term and whole of life cover How do you pay for life insurance? Should commission be scrapped? How to not get caught out by the 'pingdemic' Links: The Orchard Practice Cavendis…

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60 - How to manage your emotions when managing your money 23:15

3+ y ago23:15

23:15

Marc and Josh discuss the mood of the nation amid England's run to the Euro 2020 final. Do you spend more when you are feeling positive? How important are your emotions when managing your money? Is it better to spend, save and invest when you are in a good or bad mood? Links: The Orchard Practice Cavendish Content Leave a review! Support our show w…

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59 - Should you care about the Sunday Times Rich List? 25:23

3+ y ago25:23

25:23

Marc and Josh discuss what the latest Sunday Times Rich List tells us about society. Should you aspire to get on the Rich List? Does the Rich List matter? What would you spend your wealth on if you made the Rich List? How do you define wealth? What is the point of wealth? Links: The Orchard Practice Cavendish Content Leave a review! Support our sho…

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58 - Is your spending worthwhile or worthless? 30:39

3+ y ago30:39

30:39

From gym memberships to football season tickets, your bank account may be full of direct debits and money transfers that you make out of habit. Marc and Josh discuss how to identify essential and non-essential spending. Plus, should football season tickets be cheaper if the team is playing badly! Links: The Orchard Practice Cavendish Content Leave …

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57 - Savvy savers: How to use your lockdown savings 21:07

3+ y ago21:07

21:07

Marc and Josh discuss what households should do with the £238bn of cash savings built up during lockdown. How to start saving? What is the best way to save? Is it better to save or invest? Should you start spending once lockdown eases? Why cryptos aren't a viable way to save. Links: The Orchard Practice Cavendish Content Leave a review! Support our…

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56 - How do you invest yours? Why you should consider active fund management 38:51

3+ y ago38:51

38:51

Marc and Josh meet Omnis Investments client portfolio manager Rohit Vaswani to discuss how active management can boost your portfolio and why you should avoid social media tipsters and stick with regulated funds. What is active management? How do you know if your fund is performing well? Is there such thing as a star fund manager? Why social media …

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55 - Karla Edwards aka The Protection Parent 22:23

3+ y ago22:23

22:23

Marc and Josh meet protection specialist Karla Edwards to discuss how she uses Instagram and TikTok to engage with people about the importance of insurance. Why do you need insurance? The importance of paying your premiums even in tough times. Do you need insurance if you aren't married or don't have kids? Why you should consider insurance as soon …

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54 - Going solo! What to consider when becoming self-employed 32:11

3+ y ago32:11

32:11

Marc and Josh discuss why they quit the rate race to manage their own businesses and the main financial factors to consider. Plus, Josh gets his first post-lockdown haircut! Relax and enjoy the words of wisdom (and laughter) from Marc Shoffman & Joshua Gerstler - hosts of the UK’s funniest personal finance podcast. Links: The Orchard Practice Caven…

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53 - WHAT ARE SHARES AND DIVIDENDS 18:27

3+ y ago18:27

18:27

One of the main aims of investing is to grow your money but you can also earn extra through dividends without having to invest more of your hard-earned cash. In this episode of the In For a Penny personal finance podcast, Marc & Josh discuss the basics of shares and dividends, including: What is share? What is a dividend? How does a dividend help g…

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52 - HOW PENSIONS ARE TAXED 23:15

3+ y ago23:15

23:15

From pension tax relief to annual and lifetime allowances, Marc and Josh discuss everything you need to know about how your retirement savings are taxed. What is tax relief and how it boosts your pension contributions How much can you put into a pension each year How pension withdrawals are taxed and how you can get 25% of your pot tax-free! Relax …

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51 - BUDGET MARCH '21 34:09

3+ y ago34:09

34:09

In this episode of the In For a Penny personal finance podcast, Marc & Josh discuss Chancellor Rishi Sunak's budget, how he plans to balance the nation's finances and how it could affect you, including: Freezes to Income Tax thresholds Is a Corporation Tax rise fair? Why does the government need to balance the books? Relax and enjoy the words of wi…

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50 -Transfer market: Should your combine your workplace pensions? 26:59

4y ago26:59

26:59

Marc and Josh discuss what to do with all those workplace pension pots you build up over your career. Is it always best to consolidate your pensions? What are the risks? How do you combine your company pensions? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Pract…

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49 - Furlough facts: The rights and responsibilities of employers and employees 34:07

4y ago34:07

34:07

Marc and Josh spoke with Rebecca Fox, an employment lawyer at VWV in Watford about how to furlough fairly. The word furlough is also becoming more common after the government set up a coronavirus job retention scheme to help businesses retain staff during the uncertainty of the pandemic even if they have to temporarily close. Under the scheme, the …

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48 - What negative interest rates could mean for your money 17:40

4y ago17:40

17:40

The Bank of England has suggested negative interest rates are in its toolbox to stimulate the economy. Marc and Josh discuss what this could mean for your savings and mortgages. Plus, hear Marc's novel idea to use pension funds to boost lending. About us The In For A Penny podcast is produced and presented by freelance personal finance journalist M…

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47 - The loyalty penalty! Why it doesn't always pay to stay with your financial provider 30:02

4y ago30:02

30:02

Marc and Josh discuss the cost of inertia when it comes to financial services. How much could you be wasting by not switching your mortgage Why you shouldn't accept your first insurance renewal quote How to negotiate a cheaper broadband and TV package About us The In For A Penny podcast is produced and presented by freelance personal finance journa…

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46 - Student finance special: How to fund your degree 35:26

4y ago35:26

35:26

Schools are back and universities are (sort of) open. Marc and Josh discuss how to setup and manage your university finances. Plus, do you need a degree and will student debt harm your chances of getting a mortgage? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard P…

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44 - Making the right move when you are on the market: How to sell your home 37:25

4y ago37:25

37:25

Marc and Josh discuss the pros and cons of estate agents and the best way to value your property. Is there too much property data? Is it better to pay upfront, a flat fee or commission? Does a house price crash matter? About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchar…

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43 - We're not going on a summer holiday! The financial lessons we learned from cancelled trips 31:24

4y ago31:24

31:24

The pandemic and government regulations have grounded many summer holidays, which has caused a scramble for refunds from airlines and tour operators. Marc and Josh discuss their experience of claiming back for cancelled trips during the coronavirus outbreak and reveal the lessons they have learned when it comes to booking holidays. Plus! Are stayca…

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42 - How does an entrepreneur spend their money? 16:01

4y ago16:01

16:01

In part-two of our interview with Play With A Legend founder Josh Landy, the businessman reveals his entrepreneurial inspiration, approach to saving and spending and his favourite football stars to have a kickaround with! About us The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orc…

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41 - How I turned a stag do into a thriving business 35:30

4+ y ago35:30

35:30

Ever wanted to play football with some of the greatest legends of the game? Marc and Josh meet Josh Landy, founder of sports events company Play with A Legend, which links fans with football stars for a memorable birthday, stag do or company event. In part 1 of this interview, Landy discusses how his business began from arranging a stag party footb…

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40 - The day I regained my lockdown losses 22:47

4+ y ago22:47

22:47

Forget pubs and hairdressers reopening, this was a landmark week for Marc as his investments recovered from their lockdown losses. Marc and Josh discuss portfolio performance and the importance of not panicking amid the coronavirus crunch. Plus, don't miss Josh's review of his first post-lockdown haircut! About us The In For A Penny podcast is prod…

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