In For A Penny

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

Mon, 26 Jun 2023 14:36:00 GMT

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. Instructions can be found here - https://topfs.co.uk/in-for-a-penny-podcast/

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

Fri, 14 Apr 2023 12:58:54 GMT

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, please leave a review on your podcast app. Instructions can be found here - https://topfs.co.uk/in-for-a-penny-podcast/

Thanks for listening!

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88 - How to become an ISA millionaire

Mon, 20 Mar 2023 06:45:58 GMT

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.com/

If you enjoyed this episode, please leave a review on your podcast app

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

Mon, 06 Mar 2023 10:00:07 GMT

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 Content here - https://cavendishcontent.com/

If you enjoyed this episode, please leave a review on your podcast app

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86 - I Am Enough with Sheridan Stewart

Thu, 16 Feb 2023 14:01:36 GMT

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 enjoyed this episode, please leave a review on your podcast app

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

Wed, 25 Jan 2023 08:00:41 GMT

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

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84 - Do journalists cause market panic

Mon, 16 Jan 2023 07:30:50 GMT

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

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

Tue, 20 Dec 2022 07:00:38 GMT

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 enjoyed this episode, please leave a review on your podcast app

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

Wed, 30 Nov 2022 07:45:24 GMT

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://cavendishcontent.com/

If you enjoyed this episode, please leave a review on your podcast app

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81 - What does the Chancellor do?

Fri, 11 Nov 2022 09:26:39 GMT

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 and Cavendish Content here - https://cavendishcontent.com/

If you enjoyed this episode, please leave a review on your podcast app

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80 - Is now the right time to remortgage?

Mon, 17 Oct 2022 07:00:26 GMT

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

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

Thu, 06 Oct 2022 06:00:04 GMT

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/

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78 - Why behaviour is key to becoming financially successful

Fri, 23 Sep 2022 08:01:17 GMT

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?

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

Fri, 26 Aug 2022 09:26:03 GMT

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!

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76 - Is now a good time to invest?

Fri, 29 Jul 2022 09:02:39 GMT

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

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

Tue, 21 Jun 2022 07:53:27 GMT

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!

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74 - How mortgage downvaluations could stifle sales

Thu, 19 May 2022 08:03:16 GMT

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

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73 - Joint accounts: Should couples pool their finances?

Tue, 12 Apr 2022 09:37:31 GMT

Marc & Josh discuss the benefits of couples having a joint bank account and how it can help with budgeting, saving and investing.

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

Tue, 29 Mar 2022 08:40:12 GMT

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?

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71 - How to navigate the cost of living crisis

Tue, 08 Mar 2022 08:47:43 GMT

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.

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

Tue, 22 Feb 2022 09:11:51 GMT

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?

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69 - Should unvaccinated people pay higher insurance premiums?

Tue, 01 Feb 2022 09:27:18 GMT

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?

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

Tue, 18 Jan 2022 09:03:04 GMT

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?

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67 - How should your pension contributions be invested?

Tue, 04 Jan 2022 07:07:09 GMT

Marc and Josh discuss how to decide your pension investment strategy and why it is important to look beyond the default fund.

Links:

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66- How a financial plan and planner can help you

Mon, 20 Dec 2021 21:14:53 GMT

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:

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

Wed, 08 Dec 2021 09:51:21 GMT

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:

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64 - How to live and invest sustainably, with Prudential

Wed, 24 Nov 2021 16:20:33 GMT

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:

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63 - How to navigate the energy market crisis

Tue, 02 Nov 2021 08:45:51 GMT

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:

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62 - How a fund manager invests your money

Tue, 19 Oct 2021 08:11:44 GMT

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:

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

Mon, 23 Aug 2021 18:00:33 GMT

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:

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60 - How to manage your emotions when managing your money

Mon, 26 Jul 2021 17:01:12 GMT

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:

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

Wed, 07 Jul 2021 11:25:06 GMT

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:

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58 - Is your spending worthwhile or worthless?

Tue, 29 Jun 2021 07:45:32 GMT

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:

Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstler

We look forward to hearing from you!

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57 - Savvy savers: How to use your lockdown savings

Tue, 08 Jun 2021 08:20:10 GMT

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:

Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstler

We look forward to hearing from you!

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

Tue, 25 May 2021 10:51:41 GMT

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 isn't a good place to get financial advice

Links:

Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstler

We look forward to hearing from you!

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55 - Karla Edwards aka The Protection Parent

Tue, 11 May 2021 09:21:07 GMT

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 as you are pregnant.

Links:

Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstler

We look forward to hearing from you!

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

Tue, 27 Apr 2021 07:25:42 GMT

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:

Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstler

We look forward to hearing from you!

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53 - WHAT ARE SHARES AND DIVIDENDS

Tue, 13 Apr 2021 06:30:06 GMT

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 grow your investments?
How many stockmarket investing jokes can Marc make in one episode?

Relax and enjoy the words of wisdom (and laughter) from Marc Shoffman & Joshua Gerstler - hosts of the UK’s funniest personal finance podcast.

Links:

Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstler

We look forward to hearing from you!

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52 - HOW PENSIONS ARE TAXED

Tue, 23 Mar 2021 10:17:13 GMT

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 and enjoy the words of wisdom (and laughter) from Marc Shoffman & Joshua Gerstler - hosts of one of the UK’s funniest personal finance podcast.

Links:

Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstler

We look forward to hearing from you!

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51 - BUDGET MARCH '21

Fri, 12 Mar 2021 13:37:37 GMT

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 wisdom (and laughter) from Marc Shoffman & Joshua Gerstler - hosts of the UK’s funniest personal finance podcast.

Links:

Do you have a topic you would like Marc & Josh to discuss? You can get in touch with any comments / feedback via the websites above or on Twitter @marcshoffman @joshgerstler

We look forward to hearing from you!

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

Fri, 04 Dec 2020 15:57:26 GMT

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 Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

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

Fri, 13 Nov 2020 16:51:17 GMT

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 government will pay a firm’s employees 80% of their current salary for hours not worked up to a maximum of £2,500.

It will run up to the end of March 2021.

Of course there are lots of questions, what can and can’t you do on furlough and what are your employment rights during the pandemic and beyond.

Can you still earn annual leave?
Are you allowed to apply for a new job?
What happens if you feel you have been dismissed unfairly?

There have been lots of changes to government support and this interview was conducted in late October so things could be different by the time you listen but it should give you a general idea of what it supposed to happen on furlough and if you ever feel you have been unfairly dismissed.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

48 - What negative interest rates could mean for your money

Mon, 26 Oct 2020 17:56:45 GMT

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 Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

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

Tue, 13 Oct 2020 07:56:56 GMT

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 journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

46 - Student finance special: How to fund your degree

Fri, 02 Oct 2020 08:06:38 GMT

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 Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

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

Tue, 15 Sep 2020 19:01:28 GMT

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 Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

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

Tue, 25 Aug 2020 22:19:50 GMT

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 staycations the future?

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42 - How does an entrepreneur spend their money?

Thu, 13 Aug 2020 15:28:20 GMT

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 Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

41 - How I turned a stag do into a thriving business

Wed, 29 Jul 2020 10:39:45 GMT

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 football match for a friend with Arsenal legend Nigel Winterburn and the challenges he has faced in growing the brand and navigating the coronavirus pandemic.

Plus, don't miss his prediction for the 2020 Heads Up FA Cup final!

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

40 - The day I regained my lockdown losses

Tue, 14 Jul 2020 08:33:41 GMT

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 produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

39 - How to earn more than £30,000 tax free!

Mon, 29 Jun 2020 14:38:21 GMT

Marc and Josh discuss the tax allowances you can use to boost your savings and investments and earn income tax-free!

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

@marcshoffman

@joshgerstler

@inforapennypod1

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

38 - Why a risk questionnaire may not provide the right investing answers

Thu, 11 Jun 2020 17:03:46 GMT

Marc & Josh discuss the role of risk profiling in financial planning.

Why risk questionnaires don't provide the right answer
The perfect first question to understand a client's risk appetite
The importance of setting and following goals and informed risk

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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37 - How to look after your children (financially) without breaching lockdown

Wed, 03 Jun 2020 05:44:00 GMT

Childcare is dominating the news as primary schools reopen and government adviser Dominic Cummings faces criticism for driving from London to his parents in Durham during lockdown because he was worried about how his son would be looked after.

What about preparing the next generation financially?

Marc & Josh discuss how to save and invest for your children.

What is a Junior ISA?

Is it worth setting up a pension for your children?

Are premium bonds worth the risk?

Alien Concept: The difference between saving and investing

Is there a minimum amount you should save or invest?

Are savings apps a good idea?

Do the terms make sense?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

@marcshoffman

@joshgerstler

@inforapennypod1

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

36 - For better or for worse: The financial implications of getting divorced

Thu, 14 May 2020 13:11:22 GMT

Married couples have been spending a lot more time together during lockdown in the UK which in some cases has brought families closer and sadly in others there is speculation that frustration could lead to divorce.

There was a spike in divorce applications in China after it lifted its lockdown restrictions earlier this year and UK lawyers say they have seen more inquiries about marital splits.

Marc and Josh spoke with Charlotte Coyle, a senior associate in the family team at law form Goodman Derrick, to talk through the financial practicalities of getting divorced.

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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35 - Why your investment portfolio is like a football team

Tue, 28 Apr 2020 21:28:59 GMT

Can investing be explained by using a football analogy?

Marc and Josh discuss what roles the goalkeeper, midfielders and strikers would play in an investment portfolio? Who were the best players in these positions of the 90s and noughties?

Plus, does a pub quiz work on Zoom and Marc explains why he is against supper quizzes.

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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34 - Coronavirus crunch: Can I still get a mortgage?

Wed, 08 Apr 2020 06:59:22 GMT

Marc and Josh consider what you can do to fulfil your housing aspirations despite the property market being on lockdown.

- Is it still worth applying for a mortgage?

- Can you still exchange and complete on a property?

- How a mortgage holiday works

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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33 - Life in lockdown: Haircuts, home schools and happy memories

Thu, 02 Apr 2020 18:03:14 GMT

Marc and Josh take a break from financial issues to discuss life under lockdown.

We tackle important issues including:

- What are you missing the most?

- What is the best sporting moment to watch on TV?

- In which order should the Marvel movies be watched?

- Is the end of ISA season as exciting as transfer deadline day?

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

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Hosted on Acast. See acast.com/privacy for more information.

32 - Navigating home schooling and working amid the coronavirus crunch

Mon, 23 Mar 2020 08:50:52 GMT

Marc Shoffman and Joshua Gerstler discuss the prospect of home schooling and working amid the coronavirus pandemic.

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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Hosted on Acast. See acast.com/privacy for more information.

32 - The coronavirus crunch: Why you shouldn't let the epidemic infect your investments

Mon, 09 Mar 2020 04:32:00 GMT

Marc Shoffman and Joshua Gerstler discuss the importance of sticking to your financial (and holiday) plans amid market uncertainty being caused by the coronavirus.

Plus, what could an inheritance tax shake-up in this week's Budget mean for your financial journey?

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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31 - How to not get driven mad by car tax

Tue, 18 Feb 2020 08:35:06 GMT

Marc Shoffman and Joshua Gerstler discuss how car tax works and the best ways to pay. Also, don't miss Josh's idea for the future of motorways!

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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30 - No such thing as a free lunch! How to spot a scam and avoid falling for financial con artists

Thu, 06 Feb 2020 05:55:00 GMT

Billions of pounds is lost to scams each year. Marc Shoffman and Joshua Gerstler discuss how to spot a scam and examples of the most common methods used by con artists.

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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29 - Payday! Understanding your payslip

Mon, 20 Jan 2020 06:45:00 GMT

Marc Shoffman and Joshua Gerstler discuss what the figures on a payslip mean and why they are important as well as the pros and cons of the office whip round!

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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28 - Let's talk about tax Harry!

Mon, 13 Jan 2020 20:47:22 GMT

In the week that Prince Harry and Meghan Markle announced they want to step back as senior royals and become financially independent, Marc Shoffman and Joshua Gerstler explain what the pair and others need to know about income tax.

What is a tax band?

Why do we pay income tax?

What are the different income tax rates?

How to reduce your income tax bill

How a round of beers explains how the tax system works

Show links

Here are some links to subjects we discussed in this week's show so you can find out more.

Tax rates

Beer and income tax

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

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Hosted on Acast. See acast.com/privacy for more information.

27 - Is it ever ok to steal from work? | What you need to know about APRs

Mon, 06 Jan 2020 06:59:00 GMT

Alien Concept: APR

Marc & Josh discuss the meaning behind the term APR and if there is a better definition.

What does APR stand for?

What products does it apply to?

Why should you worry about it?

Penny for your thoughts: Is it ever ok to steal from work?

Obviously any criminal activity in the workplace is wrong, but is there flexibility if you ever want to take home a pen, post-it note or an envelope?

Plus, we try Toast Ale, which is beer made using leftover fresh bread!

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

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26 - How much should I be paying my financial adviser? Why you should look beyond the fees

Mon, 16 Dec 2019 06:46:00 GMT

Marc Shoffman and Joshua Gerstler discuss adviser charging models.

What are the different ways to pay for financial advice?

Why is it better than the old commission-based system?

Why it is important to look beyond the price.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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Hosted on Acast. See acast.com/privacy for more information.

25 - Inheritance tax issues: How to shield your estate from the taxman

Mon, 09 Dec 2019 06:00:00 GMT

Inheritance tax is paid by fewer than 5% of estates yet is one of the most controversial taxes. Marc Shoffman and Joshua Gerstler discuss inheritance tax and how to reduce your estate's bill.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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24 - Probate problems? How to deal with a loved one's estate when they die

Mon, 02 Dec 2019 06:04:00 GMT

Marc Shoffman draws on the death of his dad to discuss with Joshua Gerstler the process of taking control of someone's estate, known as probate.

How much does probate cost?

Why do you need it?

How to apply?

How long should it take?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

23 - Confessions of a personal finance journalist: How the 'money savvy' manage their money

Mon, 25 Nov 2019 06:41:00 GMT

Joshua Gerstler puts co-presenter Marc Shoffman under the spotlight to find out his best money saving tip, financial regrets and what he would do if he won the lottery.

How would you respond to our quick fire financial questions?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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22 - Behind the scenes at Paragon Banking Group

Mon, 11 Nov 2019 09:00:12 GMT

Marc Shoffman and Joshua Gerstler meet Paragon Banking Group business development manager Jason Wilde to discuss how the buy-to-let market has changed since the 90s boom through to the lender's exit from the market and its subsequent return, plus his early life as a lifeguard and love for Sheffield Wednesday (well someone has to).

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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21 - How insurance can help protect your business and staff

Mon, 14 Oct 2019 06:00:00 GMT

In the fourth and final part of a series focused on insurance, Marc Shoffman and Joshua Gerstler discuss business protection.

What is the most important company asset?

How can keyman insurance, shareholder protection and relevant life cover can help protect your business?

How much does it cost and what is the best way to apply?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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20 - Protection series episode 3: Breaking through the insurance jargon

Mon, 07 Oct 2019 06:30:00 GMT

From level term to loaded premiums, there is plenty of jargon in the world of protection.

In the third of a series dedicated to the insurance market, Marc Shoffman and Joshua Gerstler discuss the most common protection terms.

Do you know your level term from your indexation?

What is the difference between joint and single-life policies?

Are insurance payouts tax-free?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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19 - Protection series episode 2: How to apply for insurance

Mon, 30 Sep 2019 06:15:00 GMT

In the second of a series dedicated to protection, Marc Shoffman and Joshua Gerstler discuss the insurance application process.

The importance of being honest on your application.

Should you apply for insurance through an adviser or direct?

What documents do you need when applying for life insurance, income protection or critical illness?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

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18 - Protection series episode 1: The importance of insurance

Mon, 23 Sep 2019 06:15:00 GMT

In the first of a series dedicated to protection, Marc Shoffman and Joshua Gerstler discuss the different types of insurance and how it can help you and your family.

What is insurance and why do you need it?

Why you need life insurance?

How income protection can help you?

Is it worth taking out a critical illness policy?

Do you need to cover your life, income and illness?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

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Hosted on Acast. See acast.com/privacy for more information.

17 - Are you overpaying for inflation-linked insurance?

Mon, 16 Sep 2019 06:00:00 GMT

Consumers could be paying thousands of pounds more for index-linked insurance products due to companies adding charges to premiums beyond the level of inflation.

Research by personal finance podcast In For A Penny, has revealed insurance companies could be charging more than £11,000 extra in some cases.

The findings are discussed in the latest In For A Penny podcast, featuring insurance industry veteran Roger Edwards.

What is index/inflation linked insurance?

Why do you need it?

How much extra could you be charged?

See some of the startling figures in the table below that shows the difference in premiums with extra charges.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

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16 - Behind the scenes at Accord Mortgages

Mon, 09 Sep 2019 06:02:00 GMT

Marc Shoffman and Joshua Gerstler meet Accord Mortgages business development manager (BDM) Katie Stephenson to discuss life as a BDM and the benefits of an intermediary-only lender for brokers and borrowers.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

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15 - Mortgage guide episode 6: Should a broker or banker arrange your home loan?

Mon, 02 Sep 2019 06:22:00 GMT

In the sixth and last of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler explain whether to use a broker or go direct when applying for a home loan.

What is the difference between a mortgage broker and using a bank?

How much will mortgage advice cost?

What are the pros and cons of a mortgage broker?

What are the pros and cons of going direct to the bank?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

Launch the Apple Podcast app on your smartphone
Search for the In For A Penny Podcast
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Android devices:

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14 - Mortgage guide episode 5: How to choose the right mortgage

Mon, 26 Aug 2019 06:31:00 GMT

In the fifth of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler explain your options when it comes to choosing a home loan.

Should you get a tracker or fixed rate mortgage?

How long should you fix for?

What fees will you have to pay?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

Launch the Apple Podcast app on your smartphone
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Hosted on Acast. See acast.com/privacy for more information.

13 - Mortgage guide episode 4: How to decide between a repayment or interest-only home loan

Mon, 19 Aug 2019 07:00:00 GMT

In the fourth of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler explain how to repay your mortgage.

What is the difference between an interest-only and repayment mortgage?

How to decide which one is best for you?

How long should you pay your mortgage for?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

Launch the Apple Podcast app on your smartphone
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Android devices:

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@inforapennypod1

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Hosted on Acast. See acast.com/privacy for more information.

12 - Mortgage guide episode 3: Everything you need to know about mortgage deposits

Mon, 12 Aug 2019 06:45:00 GMT

In the third of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler explain the importance of a mortgage deposit:

What does loan-to-value mean?

How big should your deposit be?

How to fund a mortgage deposit?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

Launch the Apple Podcast app on your smartphone
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Android devices:

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@inforapennypod1

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Hosted on Acast. See acast.com/privacy for more information.

11 - Mortgage guide episode 2: How to get a home loan

Mon, 05 Aug 2019 05:00:00 GMT

In the second of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler discuss and dissect the mortgage application process.

How important is your credit report?

When should you get a mortgage in principle?

How hard is it to get a mortgage?

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

Launch the Apple Podcast app on your smartphone
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Android devices:

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@marcshoffman

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@inforapennypod1

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Hosted on Acast. See acast.com/privacy for more information.

10 - Mortgage guide episode 1: How to find a property

Mon, 29 Jul 2019 07:06:07 GMT

In the first of a series dedicated to translating the jargon-filled mortgage process, Marc Shoffman and Joshua Gerstler discuss how to find a property.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

Launch the Apple Podcast app on your smartphone
Search for the In For A Penny Podcast
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Android devices:

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Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

9 - Kurupt FM special: What to do with a windfall

Mon, 22 Jul 2019 06:30:00 GMT

Marc Shoffman meets the cast of BAFTA-award winning BBC comedy People Just Do Nothing to discuss their work on combating scams with Santander and what to do when you suddenly find yourself earning significant sums of money.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

Launch the Apple Podcast app on your smartphone
Search for the In For A Penny Podcast
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You may need to sign in to iTunes to do this

Android devices:

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Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

8 - Nothing but the tooth: Do safe havens and the tooth fairy exist?

Tue, 02 Jul 2019 14:52:45 GMT

Alien concept: Safe havens

How important are safe havens when investing?
How safe is gold?
Should it be part of a portfolio?
Do clients ever ask about it?
What other safe havens are there?
Is the phrase safe haven misleading, is anything safe?

Penny for your thoughts: How much should the tooth fairy be paying in 2019?

SunLife analysis suggests the average tooth fairy payout is £1.88, what is the best rate for a tooth?
Should it change with inflation?
Royal London research estimates it costs more than £144,000 to raise a child up to age 18, on top of tooth fairy costs. How can you prepare your family finances?
Is there a difference between investing for yourself and for your family?
What is the best way to invest for your family?

Contact us via Twitter or leave a comment below if there are any financial terms you would like us to dissect and discuss.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

How to leave a review

Apple devices:

Launch the Apple's Podcast app on your smartphone
Search for the In For A Penny Podcast
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You may need to sign in to iTunes to do this

Android devices:

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Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

7 - Kind regards!? Our guide to email etiquette and are early repayment charges a penalty for being frugal?

Tue, 04 Jun 2019 17:17:43 GMT

Alien concept: Early repayment charges (ERC)

What is an ERC?
Why is an ERC needed?
How is it worked out?
What type of finance does it apply to?
Why are you penalised for repaying debt early?
Is it ever worth paying an ERC?

Penny for your thoughts Email etiquette

What is the best way of addressing someone on email?
How formal should you be if you have never met someone/met someone
How should you sign off an email?

Contact us via Twitter or leave a comment below if there are any financial terms you would like us to dissect and discuss.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

6 - Who is Help to Buy really helping?

Wed, 08 May 2019 08:52:06 GMT

Happy birthday Help to Buy!

The Help to Buy Equity Loan scheme is now six years old, but who is it really helping?

Marc Shoffman and Josh Gerstler analyse the government's flagship housing scheme:

How does Help to Buy work?
How does it compare to other mortgage products?
Does the government backing give it more gravitas?
Do buyers understand the equity loan aspect?
Is Help to Buy pushing up house prices?
How can Help to Buy be improved?

Contact us via Twitter or leave a comment below if there are any financial terms you would like us to dissect and discuss.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

5 - In sickness and in wealth

Sun, 07 Apr 2019 09:32:29 GMT

On this episode:

Alien concept: Inflation

What does it mean and how does inflation affect you?

How does inflation influence your investments, pension and protection products?

What items make up the inflation basket and how has it changed over the years?

How much milk and beer could you afford back in 1999?

Penny for your thoughts: Pulling a sickie

How to approach sickness in the office

Should you feel guilty about a sick day?

How ill do you have to be to miss work?

How to spot a faker

Contact us via Twitter or leave a comment below if there are any financial terms you would like us to dissect and discuss.

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

4 - ISA season special: What is a tax wrapper and the perils of presenteeism

Mon, 11 Mar 2019 20:05:00 GMT

On this episode:

Alien concept: Tax wrapper

What is a tax wrapper?
How would you explain a tax wrapper to a client?
What can you put in a tax wrapper?
What else could it be called?
Do we need the term at all?

Penny for your thoughts: How to combat the scourge of presenteeism or facetime in the office

Plus, don't miss Marc's Isa rap!

About us

The In For A Penny podcast is produced and presented by freelance personal finance journalist Marc Shoffman and The Orchard Practice financial planner Joshua Gerstler.

Each episode aims to address the confusing concepts and challenges from the world of business, finance and wider society.

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

3 - What to wear for work and what is a pension commencement lump sum?

Fri, 08 Feb 2019 14:59:00 GMT

Personal finance journalist Marc Shoffman (Cavendish Content) and financial planner Joshua Gerstler (The Orchard Practice) sit down to discuss the world of business and finance.On this episode:- Alien concept: Pension commencement lump sum- A penny for your thoughts: Suit or shorts? What to wear for work.Nothing discussed in this programme should constitute financial advice.Subscribe on iTunes itunes.apple.com/gb/podcast/in-fo…ast/id1447026485Stream on Spotifyopen.spotify.com/show/52nEz6r6VVqzQRWtsvnnLNIf you have enjoyed listening, please like this episode and share with your friends so that others can find us too.Are there any matters you would like to hear about or suggestions on how we can improve?Tweet us at twitter.com/inforapennypod1 or email marc@cavendishcontent.com

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

2 - Are you an aggressive or assertive complainer and what is a annuity?

Mon, 14 Jan 2019 01:56:00 GMT

Personal finance journalist Marc Shoffman (Cavendish Content) and financial planner Joshua Gerstler (The Orchard Practice) sit down to discuss the world of business and finance.On this episode:- How to cheat at crazy golf- Are you an aggressive or assertive complainer?- Alien concept: What is a annuity?- Serious matters: Are there too many ISAs?Nothing discussed in this programme should constitute financial advice.Subscribe on iTunes https://itunes.apple.com/gb/podcast/in-for-a-penny-podcast/id1447026485Stream on Spotifyhttps://open.spotify.com/show/52nEz6r6VVqzQRWtsvnnLNIf you have enjoyed listening, please like this episode and share with your friends so that others can find us too.Are there any matters you would like to hear about or suggestions on how we can improve?Tweet us at twitter.com/inforapennypod1 or email marc@cavendishcontent.com

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.

1 - Christmas parties, handshakes and what does income drawdown mean!?

Sun, 16 Dec 2018 00:03:00 GMT

Personal finance journalist Marc Shoffman (Cavendish Content) and financial planner Joshua Gerstler (The Orchard Practice) sit down to discuss the world of business and finance. On this episode:- Is it right to get drunk at a work Christmas party?- A penny for your thoughts: What is the best way to shake hands in a meeting?- Alien concept: What does income drawdown mean?- Serious matters: Has equity release shaken off its negative image? Nothing discussed in this programme should constitute financial advice. If you have enjoyed listening, please like this episode and share with your friends so that others can find us too. Are there any matters you would like to hear about or suggestions on how we can improve?Tweet us at http://twitter.com/inforapennypod1 or email marc@cavendishcontent.com

Support this show http://supporter.acast.com/inforapennypodcast.

Hosted on Acast. See acast.com/privacy for more information.