This week's episode is dedicated to scam awareness! Damien and Andy discuss the most common scams around online shopping, deliveries, and social media marketplaces.

They also delve into the alarming rise of impersonation scams, including those involving HMRC and winter fuel payments.

Finally, Damien and Andy examine the terrifying growth of AI-powered scams like voice cloning and deepfakes. We explain how many of these latest scams work and share practical tips on how to identify them and useful strategies on how to avoid becoming a victim.

Watch the whole show on YouTube here:

Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

00:00 - How to spot and avoid the latest scams

04:30 - Online Shopping Fraud and scams revealed

13:53 - Understanding Card Not Present Fraud

15:22 - Tips for Safe Online Shopping

17:43 - Delivery Scams and How to Avoid Them

18:57 - QR Code Scams: What You Need to Know

21:09 - Impersonation Scams: Protecting Yourself

21:34 - Bank Scams and Verification Tips

25:09 - Understanding Impersonation Scams

26:18 - Winter Fuel Payment Scams

27:56 - AI Scams: Voice Cloning and Deep Fakes

35:36 - Resources and Support for Scam Victims

Follow Money to the Masses on social media:

YouTube - https://www.youtube.com/moneytothemasses

Facebook - https://www.facebook.com/moneytothemasses

Instagram - https://www.instagram.com/moneytothemasses 

Tik Tok - https://www.tiktok.com/@moneytothemasses

Support the podcast

You can now support the MTTM podcast by visiting our  dedicated podcast page when making any financial decision.

You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

Support the show by visiting and bookmarking our dedicated podcast page:

Money to the Masses Dedicated Podcast Page - Click to support the show

Links referred to in the podcast:

• Best budgeting apps in the UK for 2025
• My bank helped fraudsters steal £4k from my children's savings
• What are the new APP fraud reimbursement rules?

In this week's podcast, Damien discusses the potential impact of Donald Trump's return to the presidency on investment markets. Next, Damien explains the implications for those who withdrew tax-free cash from their pensions ahead of the budget, focusing on the potential tax penalties they may face if they try to put the money back into their pensions before giving some alternative options for using the withdrawn funds. Lastly, Andy explains the changes to the energy price cap and advises listeners on whether now is a good time to fix their energy tariffs.

Watch the whole show on YouTube here: https://youtu.be/EvDEvxCY7b

00:00 - Introduction to Money to the Masses Episode 483 05:27 - The Trump Trade: Market Movements and Predictions 08:30 - Will Trump being president be a positive thing for investment markets? 14:15 - Which asset classes performed best during Trump's last presidency? 18:34 - Performance of Asset Classes During Trump's Presidency 23:50 - Pension Withdrawals and Tax-Free Cash Concerns 25:20 - Can you put tax-free cash withdrawals back into a pension? 26:10 - Pension recycling - Be mindful before adding cash back into a pension 29:04 - Energy Price Cap Update and should you fix?

Check out this week's 

 on the MTTM website to see the full list of resources from this week's show.

Follow Money to the Masses on social media:

YouTube - 

Facebook - 

Instagram - 

Twitter - 

Tik Tok - 

Support the podcast

You can now support the MTTM podcast by visiting our 

 when making any financial decision.

You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only 

save money

 but could also earn 

cashback

 or take advantage of 

exclusive offers

 for MTTM listeners.

Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.

Support the show by visiting and bookmarking our dedicated podcast page:

Money to the Masses Dedicated Podcast Page - Click to support the show

Resources:

Links referred to in the podcast:

• Take out a free trial with 80-20 Investor
• Ofgem raises energy price cap by £21 per year from January
• Should I fix my energy prices?
• What are the cheapest fixed price energy tariffs?

Welcome to Damien's Market Update for September 2024.

Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments.

Subscribe now for your monthly insight into the Global Investment Markets. 

Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's epsiode Damien explains what is happening in the banking sector and whether we are likely to experience the biggest financial crisis since 2008. Damien also discusses the changes to pensions announced in this week's Spring Budget and who they will benefit and finally, Andy provides a summary of the Budget including the changes to childcare support and the energy price guarantee   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Budget 2023 pension changes: Boost for wealthy savers and high-earners
• Spring Budget 2023 – How does it impact you?
• Working parents to get 30 hours of free childcare support
• Energy Price Guarantee extended until end of June – what this means for you

So far in this Grow it series you’ve learnt about why you should think about investing, learnt about risk, return and taxation as well as when you should seek the help of a financial adviser and how to find one you can trust. In this episode I want to explain the basics of the account types that most people need in order to grow their wealth.

Our Grow It series consists of 10 YouTube videos where you can find out everything you need to know about investing. 

We will release a new episode every Tuesday and Thursday throughout the month, so make sure you subscribe to the Money to the Masses YouTube channel and don't forget to hit the notifications bell  to ensure you get notified as soon as a new video is released.

Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest.

How do pensions work - https://moneytothemasses.com/saving-for-your-future/pensions/how-do-private-pensions-work

What are my pension options at retirement? - https://moneytothemasses.com/saving-for-your-future/pensions/what-are-my-pension-options-at-retirement

Lifetime ISAs explained - https://moneytothemasses.com/saving-for-your-future/investing/lifetime-isas-explained-are-they-the-best-way-to-save

VCTs & EISs explained - https://moneytothemasses.com/news/podcast/mttm-podcast-episode-361

Thank you to our Grow It sponsors: 

Wealthify - For more information about Wealthify, please visit www.wealthify.com/mttm. 

Wealthify is authorised and regulated by the Financial Conduct Authority.

Fidelity - For more information about Fidelity, please visit www.fidelity.co.uk/moneytothemasses. Please remember, the value of investments can go down as well as up, so you may get back less than you invest.

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Since 2010 Money to the Masses has been helping people with their personal finances for FREE. Money to the Masses is one of the UK’s leading independent personal finance websites specialising in all aspects of financial planning including investments, pensions, property, insurance, mortgages, budgeting and saving. We bring together expertly written content, interactive tools and technology to help over 4 million people a year across our platform.

If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/

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Follow Money to the Masses on social media:

Website - https://moneytothemasses.com/

Facebook - https://www.facebook.com/moneytothemasses

Instagram - https://www.instagram.com/moneytothemasses

Twitter - https://twitter.com/money2themasses

 

#investing #investingforbeginners #growit

In the last video in this series I discussed risk and return as well as discerning your attitude to risk. In this video I want to talk about when you need to take financial advice and when you don’t. A financial adviser can provide advice on a wide range of products and services including insurance, mortgages, retirement planning, tax and savings and investments. In this video I am just going to focus on investment advice.

Our Grow It series consists of 10 YouTube videos where you can find out everything you need to know about investing. 

We will release a new episode every Tuesday and Thursday throughout the month, so make sure you subscribe to the Money to the Masses YouTube channel and don't forget to hit the notifications bell  to ensure you get notified as soon as a new video is released.

Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest.

Risk Profile Questionnaire - https://riskprofiling.com/Get-Started/myrisktolerance

Robo-adviser Table - https://moneytothemasses.com/compare/robo-adviser-best-buy-table

Thank you to our Grow It sponsors: 

Wealthify - For more information about Wealthify, please visit www.wealthify.com/mttm. 

Wealthify is authorised and regulated by the Financial Conduct Authority.

Fidelity - For more information about Fidelity, please visit www.fidelity.co.uk/moneytothemasses. Please remember, the value of investments can go down as well as up, so you may get back less than you invest.

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Since 2010 Money to the Masses has been helping people with their personal finances for FREE. Money to the Masses is one of the UK’s leading independent personal finance websites specialising in all aspects of financial planning including investments, pensions, property, insurance, mortgages, budgeting and saving. We bring together expertly written content, interactive tools and technology to help over 4 million people a year across our platform.

If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/

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Follow Money to the Masses on social media:

Website - https://moneytothemasses.com/

Facebook - https://www.facebook.com/moneytothemasses

Instagram - https://www.instagram.com/moneytothemasses

Twitter - https://twitter.com/money2themasses

 

#investing #investingforbeginners #growit

 

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode Andy and Damien are joined by a podcast listener who shares how the Black Box podcast positively impacted his life. Damien also shares the one tip that could prevent you from making rash investment decisions and finally, Andy takes us through the 2022/23 end of tax year checklist.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Podcast episode 304: Build your black book
• End of tax year checklist
• What is marriage tax allowance
• 10 best ways to avoid inheritance tax
• How 20 seconds can make you a better investor

Welcome to Damien's Market Update for March 2023.

Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments.

Subscribe now for your monthly insight into the Global Investment Markets. 

Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

In this video series I provide an introduction into investing. By this point in the series, you will now understand why you should think about investing and also the things to think about before you start. In this video, I'll cover understanding investment risk and return as well as the relationship between them. I will also touch upon how your investments may be taxed.

Our Grow It series consists of 10 YouTube videos where you can find out everything you need to know about investing. 

We will release a new episode every Tuesday and Thursday throughout the month, so make sure you subscribe to the Money to the Masses YouTube channel and don't forget to hit the notifications bell  to ensure you get notified as soon as a new video is released.

Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest.

Risk Profile Questionnaire - https://riskprofiling.com/Get-Started/myrisktolerance

Robo-adviser Table - https://moneytothemasses.com/compare/robo-adviser-best-buy-table

Thank you to our Grow It sponsors: 

Wealthify - For more information about Wealthify, please visit www.wealthify.com/mttm. 

Wealthify is authorised and regulated by the Financial Conduct Authority.

Fidelity - For more information about Fidelity, please visit www.fidelity.co.uk/moneytothemasses. Please remember, the value of investments can go down as well as up, so you may get back less than you invest.

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Since 2010 Money to the Masses has been helping people with their personal finances for FREE. Money to the Masses is one of the UK’s leading independent personal finance websites specialising in all aspects of financial planning including investments, pensions, property, insurance, mortgages, budgeting and saving. We bring together expertly written content, interactive tools and technology to help over 4 million people a year across our platform.

If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/

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Follow Money to the Masses on social media:

Website - https://moneytothemasses.com/

Facebook - https://www.facebook.com/moneytothemasses

Instagram - https://www.instagram.com/moneytothemasses

Twitter - https://twitter.com/money2themasses

 

#investing #investingforbeginners #growit

 

In the first video of this Grow it series, I covered why you should consider investing. But while investing can be a great way to grow your wealth and achieve your financial goals, before you even start, there are a few things you should consider. In this video, we'll cover some important factors to keep in mind before you start investing.

Our Grow It series consists of 10 YouTube videos where you can find out everything you need to know about investing. 

We will release a new episode every Tuesday and Thursday throughout the month, so make sure you subscribe to the Money to the Masses YouTube channel and don't forget to hit the notifications bell  to ensure you get notified as soon as a new video is released.

Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest.

Thank you to our Grow It sponsors: 

Wealthify - For more information about Wealthify, please visit www.wealthify.com/mttm. 

Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest. Wealthify is authorised and regulated by the Financial Conduct Authority.

Fidelity - For more information about Fidelity, please visit www.fidelity.co.uk/moneytothemasses. Please remember, the value of investments can go down as well as up, so you may get back less than you invest.

InvestEngine - For more information about InvestEngine visit investengine.com. 

Get a £25 investment bonus from InvestEngine when you invest £100 or more https://moneytothemasses.com/saving-for-your-future/investing/investengine-review (Ts&Cs apply). Please remember, the value of investments can go down as well as up, so you may get back less than you invest. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128)

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Since 2010 Money to the Masses has been helping people with their personal finances for FREE. Money to the Masses is one of the UK’s leading independent personal finance websites specialising in all aspects of financial planning including investments, pensions, property, insurance, mortgages, budgeting and saving. We bring together expertly written content, interactive tools and technology to help over 4 million people a year across our platform.

If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/

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Follow Money to the Masses on social media:

Website - https://moneytothemasses.com/

Facebook - https://www.facebook.com/moneytothemasses

Instagram - https://www.instagram.com/moneytothemasses

Twitter - https://twitter.com/money2themasses

 

#investing #investingforbeginners #growit

 

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode Damien discusses tax planning measures ahead of the Capital Gains Tax allowance cut in April 2023. Damien also delves into the Gender Pension Gap facing women and discusses what to do about it. Finally, Damien reveals some of the insights gleaned from the latest research carried out for 80-20 Investor members looking to build an income portfolio.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Best mortgage rates in the UK
• Gender pension gap data from Aviva
• National Insurance Credits for adults that care for under 12s
• Find old pensions using the pension tracing service
• Deferring your state pension
• Maternity and Paternity leave - Your pension rights
• 80-20 Investor - Take out a free trial

In this first episode of our GROW IT series, I explain what investing is and the difference between savings and investing. I talk about risk, the importance of inflation, how you can invest for passive income and responsibly grow your wealth over time.

Our Grow It series consists of 10 YouTube videos where you can find out everything you need to know about investing. 

We will release a new episode every Tuesday and Thursday throughout the month, so make sure you subscribe to the Money to the Masses YouTube channel and don't forget to hit the notifications bell  to ensure you get notified as soon as a new video is released.

Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest.

Thank you to our Grow It sponsors: 

Wealthify - For more information about Wealthify, please visit www.wealthify.com/mttm. 

Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest. Wealthify is authorised and regulated by the Financial Conduct Authority.

Fidelity - For more information about Fidelity, please visit www.fidelity.co.uk/moneytothemasses. Please remember, the value of investments can go down as well as up, so you may get back less than you invest.

InvestEngine - For more information about InvestEngine visit investengine.com. 

Get a £25 investment bonus from InvestEngine when you invest £100 or more https://moneytothemasses.com/saving-for-your-future/investing/investengine-review (Ts&Cs apply). Please remember, the value of investments can go down as well as up, so you may get back less than you invest. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128)

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Since 2010 Money to the Masses has been helping people with their personal finances for FREE. Money to the Masses is one of the UK’s leading independent personal finance websites specialising in all aspects of financial planning including investments, pensions, property, insurance, mortgages, budgeting and saving. We bring together expertly written content, interactive tools and technology to help over 4 million people a year across our platform.

If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/

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Follow Money to the Masses on social media:

Website - https://moneytothemasses.com/

Facebook - https://www.facebook.com/moneytothemasses

Instagram - https://www.instagram.com/moneytothemasses

Twitter - https://twitter.com/money2themasses

 

#investing #investingforbeginners #growit

 

Our Grow It series consists of 10 episodes where you can find out everything you need to know about investing. 

A new episode will be released every Tuesday and Thursday throughout the month. To watch the series, make sure you subscribe to the Money to the Masses YouTube channel and don't forget to hit the notifications bell to ensure you get notified as soon as a new video is released.

 Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest.

Thank you to our Grow It sponsors:

Wealthify - For more information about Wealthify, please visit www.wealthify.com/mttm. Please remember, with investing your capital is at risk and the value of investments can go down as well as up, so you may get back less than you invest. Wealthify is authorised and regulated by the Financial Conduct Authority.

 Fidelity - For more information about Fidelity, please visit www.fidelity.co.uk/moneytothemasses. Please remember, the value of investments can go down as well as up, so you may get back less than you invest.

 InvestEngine - For more information about InvestEngine visit investengine.com.  Get a £25 investment bonus from InvestEngine when you invest £100 or more https://moneytothemasses.com/saving-for-your-future/investing/investengine-review (Ts&Cs apply). Please remember, the value of investments can go down as well as up, so you may get back less than you invest. InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority (FRN: 801128)

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Since 2010 Money to the Masses has been helping people with their personal finances for FREE. Money to the Masses is one of the UK’s leading independent personal finance websites specialising in all aspects of financial planning including investments, pensions, property, insurance, mortgages, budgeting and saving. We bring together expertly written content, interactive tools and technology to help over 4 million people a year across our platform.

 

If you are looking to get your finances in shape then check out Damien's FREE Money MOT at https://mot.moneytothemasses.com/

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Follow Money to the Masses on social media:

 

Website - https://moneytothemasses.com/

Facebook - https://www.facebook.com/moneytothemasses

Instagram - https://www.instagram.com/moneytothemasses

Twitter - https://twitter.com/money2themasses

 

In this week's episode Damien provides an overview of the mortgage market following the Bank of England's decision to keep the base rate at 5%, including the latest predictions of when rates will be cut further. Next, following HMRC's decision to allow fractional share trading within an ISA, Damien gives an update on the providers that allow you to trade them as well as those that don't. Finally, Andy highlights the best pension tracing services in the UK, explaining how they can help to locate and consolidate old pension pots.
Watch the whole show on YouTube here: https://youtu.be/s3bXProBX14   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Follow Money to the Masses on social media:   YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Twitter - https://twitter.com/money2themasses Tik Tok - https://www.tiktok.com/@moneytothemasses   Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision.   You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.   Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.   Support the show by visiting and bookmarking our dedicated podcast page:

Money to the Masses Dedicated Podcast Page - Click to support the show

Resources:

Links referred to in the podcast:

• Interest rate forecast image
• Will interest rates continue to fall in 2024?
• What are fractional shares and where best to buy them?
• Best mortgage rates in the UK
• What are fractional shares and where best to buy them?
• Join our community group and help test a brand new MTTM product
• Pension Tracing Service on GOV.UK
• Should I transfer my final salary pension?
• Best pension tracing services in the UK
• MTTM Deals Page
• Sign up to the Money to the Masses Newsletter

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode I reveal the mobile and broadband providers that bake mid-contract price rises into their contracts as well as those that don't. I also explain your cancellation rights whether you are in or out of contract and I urge listeners to engage with me on Twitter to highlight the issue and demand change. I also explain some of the economic indicators that people should be aware of and how they can influence investment markets. Finally, I reveal the best and worst investment platforms when it comes to paying interest on the cash you hold in your ISA and SIPP.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• 80-20 Investor - Take out a free trial
• Mobile provider price increases for 2023
• Podcast Episode 402 - EU roaming charges
• Tesco Mobile price hikes revealed
• Economic indicators
• Investment platforms paying interest on cash

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode Damien explains how those aged between 45 and 70 should check to see if they have any gaps in their national insurance record before the 6th April 2023. From this date new rules come into effect that may prevent you from plugging gaps in your NI record, stopping you from receiving a full state pension. Damien also reveals how you can claim for damage to your car, bicycle or motorcycle caused by a pothole in the road. Finally, Lauren explains how you can earn cashback from a bank account.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• 80-20 Investor - Take out a free trial
• The Big Mac index
• Demand flexibility service explained
• Which banks have the best online security?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's show Damien discusses the Big Mac index, a price index created in 1986 by The Economist. It provides some light-hearted insight into the purchasing power of currencies using the price of a Big Mac as a benchmark and I explain which currencies are under and over valued based on the index. He also discusses romance scams, explaining how they work before providing some tips that can help you to avoid becoming a victim. Finally, Andy talks about banking apps and reveals the best and worst for online security.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• 80-20 Investor - Take out a free trial
• The Big Mac index
• Demand flexibility service explained
• Which banks have the best online security?

Welcome to Damien's Market Update for February 2023.

Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments.

Subscribe now for your monthly insight into the Global Investment Markets. 

Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's show Damien discusses why our energy bills aren't dropping even as wholesale gas prices continue to tumble. Damien explains if and when energy bills are likely to fall and how much you are likely to be paying for the rest of 2023 and next winter. Damien then discusses the outlook for mortgage rates and looks at how much more those looking to remortgage will have to pay each month. Finally, Andy discusses the cheapest airport lounges in the UK.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• 80-20 Investor - Take out a free trial
• Latest from Ofgem on energy prices
• Demand flexibility service explained
• Cheapest airport lounges in the UK

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's podcast Damien talks about more ways to find active funds that back their convictions. Andy provides tips for those who are completing a self-assessment and highlights some allowances you may not be aware of that you can claim. Finally, Lauren reveals the mobile phone operators that are now charging you to use your phone while holidaying in the EU and those operators that don't.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• 80-20 Investor - Take out a free trial
• Tesco mobile to introduce data roaming charges
• Compare the best mobile network for data roaming charges
• Self-assessment tax return tips

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's episode Damien discusses how to use a fund's active share and tracking error to find fund managers that are investing with conviction. Damien also reacts to the Chancellor's inflation video released on social media this week before Andy discusses how to find the best money saving deals easily.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• 80-20 Investor - Take out a free trial
• Work out your personal inflation rate
• Jeremy Hunt explains inflation
• Latest Money to the Masses Deals

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's episode Damien and Andy discuss the various private healthcare options that are available. They explain where you should look to see if you are already covered, the key differences between the various types of cover and roughly how much it is likely to cost. Finally, they explain the best way to buy the cover that is right for you and your family.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Speak to an independent private healthcare expert
• MTTM Podcast Episode 235 - All you need to know about private medical insurance
• MTTM Podcast Episode 292 - Cut health insurance costs
• MTTM Podcast Episode 295 - The importance of personal insurance
• MTTM Podcast Episode 338 - When to claim on insurance
• 80-20 Investor - Take out a free trial

Welcome to Damien's Market Update for January 2023.

Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments.

Subscribe now for your monthly insight into the Global Investment Markets. 

Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's show Damien discusses how new and existing listeners can get their finances into shape for 2023.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• MTTM Podcast Episode 352 - Getting the most from Money to the Masses
• Complete Cost of Living Guide
• Debt help
• 28 Day Financial Fitness Challenge
• Pension Calculator
• 80-20 Investor - Take out a free trial

As it's UK Savings Week this week's episode is a savings special. First, Damien discusses the outlook for UK savings rates and how time is running out if you want to secure a good return on your savings. Damien then reveals how you can still get 5% interest or more if you know where to look. Finally, Andy & Damien discuss some fun savings challenges to help listeners start saving before explaining how you can now automate them.
Watch the whole show on YouTube here: https://youtu.be/10woLl8mtB4   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Follow Money to the Masses on social media:   YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Twitter - https://twitter.com/money2themasses Tik Tok - https://www.tiktok.com/@moneytothemasses   Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision.   You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.   Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.   Support the show by visiting and bookmarking our dedicated podcast page:

Money to the Masses Dedicated Podcast Page - Click to support the show

Resources:

Links referred to in the podcast:

• Best savings accounts in the UK
• How to get more than 5% interest on your savings
• 11 money saving challenges to help make saving money fun
• Cash savings ladder explained
• MTTM Deals Page
• Sign up to the Money to the Masses Newsletter

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's show Damien discusses the possible investment themes of 2023 as well as investment bank predictions of where stock markets will be at the end of 2023. Andy and Damien also pick their favourite ideas from MTTM's list of 50 ways to make extra money online and offline.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• MTTM Podcast Episode 351 - Investment outlook for 2022
• MTTM Podcast Episode 352 - Getting the most from Money to the Masses
• 80-20 Investor - Take out a free trial

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's episode Damien discusses how active and passive funds have fared in 2022 & why conventional wisdoms have been turned on their heads. Damien also reveals an issue that many passive investors may be unaware of. Damien then discuss the mortgage market and the outlook heading into 2023, as fixed rate mortgage deals start to improve. Finally, Andy explains the loan fee scam that the FCA is warning consumers about.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Latest interest rate predictions
• Bank of England base rate increases to 3.50%: What does it mean for you?
• Remortgaging in 2023 - should you fix now?
• Loan fee fraud
• 80-20 Investor - Take out a free trial

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's show Damien reveals the savings accounts that offer over 5% interest, including one that is offering a market-leading 7%. Following on from last week where Damien explained the Diderot effect, this week he talks about the Endowment effect and how it can alter people's perceptions of the value of items they own. Finally, Andy talks about charitable gifting this Christmas, including ways you can help others without spending money.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• How to get more than 5% interest on your savings
• 80-20 Investor - Take out a free trial

Welcome to Damien's Market Update for December 2022.

Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments.

Subscribe now for your monthly insight into the Global Investment Markets. 

Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's show Damien explains how a significant part of your investment portfolio could be sitting in cash and you not even realise, hurting your potential investment returns. Damien discusses the Diderot Effect and why understanding it can curb overspending and help you build wealth. Finally, Andy reveals how thousands of pensioners are owed money after being underpaid on their state pensions. He also explains who is affected and what they can do about it.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• MTTM Podcast Episode 393 – How to make good money habits that stick
• Pensioners owed more than £1.4bn due to DWP mistakes
• 80-20 Investor - Take out a free trial
• Podcast Meet Up - Details

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's show Damien talks about how to formulate good habits and how these can be applied to money. Damien also explains how the principles can be applied to recognise and break bad habits when it comes to spending. Finally, Andy provides a summary of the Autumn statement and how it will impact you.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• MTTM Podcast Episode 244 – Winning winter portfolios
• MTTM Podcast 297 – Winter portfolio update
• The Times: Electric vs Petrol, which is cheapest?
• Confused.com fuel cost calculator
• The Express: Electric cars could soon be cheaper than petrol and diesel cars

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's show Damien talks about how to formulate good habits and how these can be applied to money. Damien also explains how the principles can be applied to recognise and break bad habits when it comes to spending. Finally, Andy provides a summary of the Autumn statement and how it will impact you.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Atomic Habits by James Clear
• MTTM Podcast Episode 355 – The difference between the poor and the rich
• MTTM Podcast 184 – Getting the most from your phone’s stocks app & car reliability exposed
• Autumn statement 2022: How will it affect you?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's show Damien and Andy reveal how you can check whether your energy supplier has set your monthly direct debit too high. Damien explains why offset mortgages are becoming more appealing and who should consider them. Finally, Damien discusses why we should all talk about money more.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• First Direct Mortgage Calculator
• MTTM Podcast Episode 276 - Black Economics Matters
• MTTM Podcast Episode 283 - How to become a millionaire
• Save up to £100 on your energy bill
• Energy Direct Debit Calculator from MSE

Welcome to Damien's Market Update for November 2022.

Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments.

Subscribe now for your monthly insight into the Global Investment Markets. 

Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's show Damien explains how building a diversified investment portfolio continues to be difficult in 2022 and the assets you need to consider beyond bonds and equities. Damien also discusses pension contributions and the cost of living crisis before giving some hope to those nearing retirement who have not built up a sufficient pension pot to see them through retirement. Finally, Damien talks about the app that he is personally using to slash his food bill.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Mortgage Repayment Calculator
• Pension Calculator
• Happiness by design

In this week's episode Damien explains the concept of the 'efficient frontier' and how it can help investors build a portfolio with the highest possible returns for a given level of risk. Damien also talks about the potential tax implications of pension recycling, a way in which individuals reinvest their tax-free cash or pension income back into a pension scheme. Finally, Andy explains the dangers of becoming a money mule including the consequences of getting involved in financial crime and the steps you can take if you feel you've been targeted.
Watch the whole show on YouTube here: https://youtu.be/09PmbQKel0g    Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Follow Money to the Masses on social media:   YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Twitter - https://twitter.com/money2themasses Tik Tok - https://www.tiktok.com/@moneytothemasses   Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision.   You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.   Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.   Support the show by visiting and bookmarking our dedicated podcast page:

Money to the Masses Dedicated Podcast Page - Click to support the show

Resources:

Links referred to in the podcast:

• MTTM Deals Page
• Take out a free trial of 80 20 Investor
• Sign up to the Money to the Masses Newsletter
• Efficient Frontier Graph

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's throwback episode Damien talks about redundancy, explaining your rights and what you could receive in terms of statutory redundancy pay. Harvey then joins the show to explain how redundancy insurance works, who can get it and the best way to buy it.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• MTTM Podcast Episode 278 - Best all-weather portfolios, redundancy advice & mobile bill tips
• Can I take out redundancy insurance?
• How to reduce tax on your redundancy payment
• Seven things you need to know if you are at risk of redundancy
• Redundancy - know your rights
• Dismissal - know your rights
• Make a claim to an employment tribunal 

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's podcast, Damien reveals the different types of investment risk, how to spot them in your portfolio and what you can do about them. Damien also explains what the Efficient Frontier is and how it is used to maximise investment returns for a given level of risk. Finally, Andy describes where we are after the mini-Budget u-turn and how it affects your finances before explaining the changes to the government's Energy Price Guarantee.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• MTTM Podcast Episode 58 - How to work out your investing risk profile
• MTTM Podcast Episode 359 - Risk vs Volatility
• Cash Savings Ladder
• Efficient Frontier Graph
• Come and meet Damien

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's podcast Damien explains what you should do if you are worried about keeping up with your mortgage repayments. He also discusses the help that is available. Damien then explains what stoozing is and why it's making a comeback as a way of making "free money" as well as the pros and cons. Finally, Andy reveals the scam that allows fraudsters to access your mobile banking even when your phone is locked. Plus he explains the steps you should take now to avoid becoming a victim.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Where to get free debt advice
• Savings Accounts - Best Buy Tables
• Breathing Space initiative
• Government help if you are struggling to pay your mortgage
• What is 'Support for Mortgage interest' and who qualifies?
• Check if you are entitled to any benefits
• Best credit cards in the UK
• Come and meet Damien

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

In this week's episode Damien discusses how the economic backdrop has shifted significantly over the course of 2022, meaning that many conventional wisdoms about personal finance need to be revisited and changed. It means that your previous decisions and views relating to mortgages, pension, savings and investing need to be reviewed. I explain how the world has changed, what this means for your finances and also some exciting opportunities that are emerging.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

 

• How to build a cash ladder
• How high will interest rates go? - October 2022
• Money to the Masses 'Best Buy' savings tables
• What is the personal savings allowance?
• How to overpay your mortgage
• When to buy an annuity
• Come and meet Damien

Welcome to Damien's Market Update for October 2022.

Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments.

Subscribe now for your monthly insight into the Global Investment Markets. 

Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode the team reveals the true cost of using your home appliances. Lauren crunched the numbers taking the latest Energy Price Guarantee into account, providing some tips on how you can cut your energy bills this winter. Harvey joins the show to discuss the types of insurance products that could help if you have or are considering having a baby. Finally, Andy explains what social broadband tariffs are and who can get apply for one.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Baby Insurance
• How much electricity am I using?
• Social Broadband Tariffs

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode Damien discusses the Mini-Budget and how it is likely to impact your finances in the coming months. Damien then discusses the US dollar and the important role it plays when studying investment markets. Finally, Damien talks about the impact of inflation on your income and how to work out the pay rise you will need to keep pace with it.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Mini Budget 2022: What does it mean for you
• Principles for Dealing with the Changing World Order by Ray Dalio
• MTTM Podcast Episode 216 – How to negotiate & what to watch in investment markets
• MTTM Podcast Episode 362 – Investing for inflation, getting insurance with long-covid & Spring Statement round-up
• MTTM Podcast Episode 274 – How to increase your wealth and retire early

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode Damien discusses how to calculate your own personal inflation rate. In addition, Damien discusses the importance of understanding survivorship bias and how it can cause you to make poor financial decisions. Finally, Damien reveals the cost of living checklist that will help you cope with an unexpected financial shock.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

 

• Savings accounts offering best rates for almost 10 years
• MTTM Podcast Episode 324 – Insurance risk vs reward
• Can I take money from my pension at 55 and still work?
• What is pension drawdown and how does it work?
• How much should I drawdown from my pension and how often?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode Damien explains the government intervention, announced this week, that will cap the average UK household energy bill at £2,500 over the next two years. In addition, Damien explains how the existing Energy Bills Support Scheme should reduce the average household energy bill even further over the next year, reducing it to £2,100.   Damien then discusses the dynamic investment portfolio strategy that can be used to increase your investment returns while providing protection against severe market falls. Finally, Damien explains the principal-agent problem and how understanding it can increase your wealth.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Energy price cap freeze: How will it work?

Welcome to Damien's Market Update for September 2022.

Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments.

Subscribe now for your monthly insight into the Global Investment Markets. 

Remember, you can also watch Damien deliver his monthly insights on our Youtube channel

In this week's podcast Damien discusses stock market sell-offs and how markets typically behave after a slump. Next he explains what stock lending is, how it works and its potential impact on investors. Finally, Andy provides an update on the energy price cap and whether it is too late to fix your energy tariff before prices start rising.
Watch the whole show on YouTube here: https://youtu.be/W9SxyO0hJO0   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.   Follow Money to the Masses on social media:   YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Twitter - https://twitter.com/money2themasses Tik Tok - https://www.tiktok.com/@moneytothemasses   Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision.   You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.   Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.   Support the show by visiting and bookmarking our dedicated podcast page:

Money to the Masses Dedicated Podcast Page - Click to support the show

Resources:

Links referred to in the podcast:

• MTTM Deals Page
• Take out a free trial of 80 20 Investor
• Sign up to the Money to the Masses Newsletter
• Should you fix your energy tariff?
• Cheapest fixed-price energy tariffs - Best deals compared

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's episode Damien discusses the latest interest rate predictions, what you should be doing now even if you are on a fixed rate deal and a rare bit of good news for those looking to fix their mortgage with their current lender.   With the energy price cap due to increase by 80% in October, fixing your energy bills has started to look like a viable option once again. So Damien has crunched the numbers to help you decide whether now is the time to move on to a fixed energy tariff. Finally, Harvey discusses what you can do if you leave an employer but want to maintain access to key employee benefits such as medical insurance.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• Remortgage calculator
• Latest energy price cap information
• Lenders change rules to help existing borrowers
• Can you cancel health insurance after leaving a job?

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's team takeover podcast special Lauren reveals some little-known insurance tips that can prevent you from unknowingly invalidating your insurance. Harvey joins the show to talk about the insurance policies you should consider when buying a house for the first time. Finally, Andy talks about the Help to buy equity loan scheme, confirming when it is due to come to an end. He also discusses the newly launched Help to build equity loan scheme, including the eligibility criteria and how to apply.    Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• What insurance do you need when buying a house
• Help to buy coming to an end
• Help to build

Damien Fahy of moneytothemasses.com talks to Andy Leeks about money.

On this week's throwback special podcast Damien discusses the news that retirees could be in line to receive a £2,000 boost to their state pension over the next two years under the Government's triple lock promise. Nothing is guaranteed, however, and so in light of the recent triple lock suspension for the 2022/23 tax year, Damien discusses other ways you can boost both your state and private pension.   Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show.

• State pension predictions for 2023 and 2024
• 7 ways to boost your pension
•