Shows
Black Lincoln Collective PodcastPixelated Nipple | Black Lincoln Collective Comedy PodcastIn this episode, the BLC crew celebrates their 138th episode with the kind of revelry only they can deliver. From knock-knock jokes that'll have you knocking on the floor laughing to a deep dive into the bygone days of travel, where a trip to the beach was a Herculean feat, the guys cover it all with their unique blend of wit and wisdom. But wait, there's more! The episode takes an unexpected turn with a scorching hot debate on the merits and pitfalls of a cashless society. Will the convenience of digital transactions triumph, or will the charm of...2024-04-221h 18
The Mindset and Self-Mastery ShowBecoming An Ally With Your Emotions Because They Are The Key To Understanding Where Your Thoughts Come From With Lincoln StollerIn this episode, Nick speaks with Lincoln Stoller, who is very in tune with how our minds and perceptions work. He studied brainwaves and was able to alter them, which changes how a person feels, but slightly enough that they cannot pinpoint the change. Changes include changing a slower person, changing their brainwaves, and now they feel the world has slowed down.
About Lincoln Stoller
Lincoln spent a decade each as a mountaineer, a physicist, an EEG brain training therapist, a hypnotherapist, two decades as a software entrepreneur, and now practices as a registered clinical counselor in Canada.
He’s au...2023-03-0244 min
TRAP: The Real Adviser Podcast12 - How To Win Clients and Influence People PART TWO****SLIGHT TECHNICAL ISSUES AT 50m AND 65m - STICK WITH IT!****In this latest pile of TRAP, the Trap Pack discussTopical issues, including a Trappist Six Nations rugby shindig on 4th Feb - all Trappists welcome! Come meet the Trap Pack and inhale some of their greatnessThree glowing reviews of the podcast, read by Andy in his inimitable style Meat and Potatoes: The Client Acquisition Process in great depth. Also: Client Surveys - good and bad experiencesQuestions posted by our beloved Trappists @rfm1, @TheFinancialP70, Graham RCulture CornerLi...2023-02-031h 11
Money Hat-Tip Personal Finance PodcastMHT#97 - So Long and Thanks For All The Fish!It’s the end of the road for the Money Hat-Tip podcast. Listen in as Nick ends things in his normal reserved style…. LINKS: Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email. CLICK HERE TO SIGN UP FOR NICK’S “HAT-TIP” NEWSLETTER. CLICK HERE TO LEAVE A FIVE STAR REVIEW ON iTUNES - OR ELSE. ...2021-04-1519 minMoney Hat-Tip Personal Finance PodcastMHT#96 - Coalface Catch-Up#5 with Geoff Dyckes (also “thick, blue, and veiny”)In which Nick regales The Dear Listener with an exclusive interview with someone who runs a global business from his bedroom in Billinghurst, West Sussex. Nick also rambles on about: More “marmite” reviews for the show; The Royal Mail and visiting 1986 via your local Post Office. LINKS: Interested in coming on the Coalface Catch-Up? Leave your details here. Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in to...2021-03-1816 minMoney Hat-Tip Personal Finance PodcastMHT#95 - Coalface Catch-Up#4 with Darren Cooke (“thick, blue, and veiny”)In which Nick regales The Dear Listener with an exclusive interview with someone from The North. Nick also rambles on about: Supreme Chancellor Sunak’s budget; Owen Walker’s tale of the rise and fall of Neil Woodford, “Built On A Lie”. LINKS: Interested in coming on the Coalface Catch-Up? Leave your details here. Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via g...2021-03-1126 minMoney Hat-Tip Personal Finance PodcastMHT#94 - Twelve Months in Three NumbersIn which Nick regales The Dear Listener with a review of a most remarkable year! Nick also rambles on about: The public sector v the private (clue: the latter is better). LINKS: Interested in coming on the Coalface Catch-Up? Leave your details here. Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email. CLICK H...2021-03-0415 minMoney Hat-Tip Personal Finance PodcastMHT#93 - Coalface Catch-Up#3 with Andy HartIn which Nick regales The Dear Listener with an exclusive interview with a protégé (also one of the UK’s most outspoken financial planners!) Nick also rambles on about: Almost winning the Daily Telegraph Fund Picking competition by forgetting you’d entered it. LINKS: Interested in coming on the Coalface Catch-Up? Leave your details here. Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick...2021-02-2522 minMoney Hat-Tip Personal Finance PodcastMHT#92 - Coalface Catch-Up#2 with Alan SmithIn which Nick regales The Dear Listener with an exclusive interview with one of Scotland’s most loquacious exports! Nick also rambles on about: Half-term: can you tell? LINKS: Interested in coming on the Coalface Catch-Up? Leave your details here. Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email. CLICK HERE TO SIGN UP FOR NICK’S “H...2021-02-1830 minMoney Hat-Tip Personal Finance PodcastMHT#91 - Coalface Catch-Up#1 with Carl WidgerIn which Nick regales The Dear Listener with an exclusive interview with one of Ireland’s foremost practitioners of world-class personal financial advice! Nick also rambles on about: FOMO; Gamestop; “The Around The NFL Podcast” and the tragic passing of Chris Wesseling at 46. LINKS: Interested in coming on the Coalface Catch-Up? Leave your details here. Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on...2021-02-1124 minMoney Hat-Tip Personal Finance PodcastMHT#90 - Stamping On Your Retirement, pt2In which Nick regales The Dear Listener with a reminder of why he uses the price of a stamp as a proxy for the evil of three-decades worth of inflation! LINKS: Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email. CLICK HERE TO SIGN UP FOR NICK’S “HAT-TIP” NEWSLETTER. CLICK HERE TO LEAVE A FIVE STAR REVIE...2021-01-2816 minMoney Hat-Tip Personal Finance PodcastMHT#89 - A Christmas Gift, From Me to FluIn which Nick regales The Dear Listener with the history you don’t yet know from 1968! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Seven “bear” markets in 52 years - common as muck! LINKS: Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email. CLICK HE...2020-12-2416 minMoney Hat-Tip Personal Finance PodcastMHT#88 - “Arrogant, Vocal and Dumb”In which Nick regales The Dear Listener with a story about a Tweet from 20th December 2018!. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 88; Vanguard having lowest fund flows since 2013 (yet Dow Jones breaks 30,000 for the first time) LINKS: Bloomberg article on Vanguard fund flows; That infamous Tweet of 20th December 2018; Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments o...2020-12-1019 minMoney Hat-Tip Personal Finance PodcastMHT#87 - ESG: Extra-Stupid-GovernanceIn which Nick regales The Dear Listener with a typically pithy interpretation of another slew of misinformed, ill-judged regulations coming the way of the UK in 2021. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 87; Why having the odd bad podcast review is a positive. LINKS: Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with...2020-11-2623 minMoney Hat-Tip Personal Finance PodcastMHT#86 - Thoughts On The US ElectionIn which Nick regales The Dear Listener on how to interpret recent events over the pond, with a clarion call to focus on things that matter AND which you can control. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 86; Lockdown II and Clapping. LINKS: David Bahnsen Dividend Cafe 6th November Jason Zwieg WSJ column of 6th November Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ...2020-11-1216 minMoney Hat-Tip Personal Finance PodcastMHT#85 - The Property Price (Mis)PerceptionIn which Nick regales The Dear Listener on how the frequency of pricing alters perceptions and behaviours. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 85; County Council staff getting extra holiday. LINKS: Visual Capitalist property article; Nick’s County Council v Sainsbury’s Tweet; Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions f...2020-10-2914 minMoney Hat-Tip Personal Finance PodcastMHT#84 - If Not Now, When?In which Nick regales The Dear Listener with a call for the Spartans to step up to the plate. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 84; One man earning US$540,000 for three hours of work. LINKS: Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nic...2020-10-1517 minMoney Hat-Tip Personal Finance PodcastMHT#83 - What’s It All For?In which Nick regales The Dear Listener with a classic example of why money is important - and it’s nothing to do with acquiring it for its own sake. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 83; Being utterly pissed off with our reaction to That Wuhan Thing; LINKS: Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedb...2020-10-0119 minMoney Hat-Tip Personal Finance PodcastMHT#82 - Beyond Cognitive DissonanceIn which Nick regales The Dear Listener with a classic example of bad behaviour from one of his model clients. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 82; Walking in Norfolk; His 49 incher; The well-received Autumn edition of his Hat-Tip Newsletter. LINKS: Link to Nick’s enormous new office toy; Article on woman sawing off her own hand; Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ...2020-09-1719 minMoney Hat-Tip Personal Finance PodcastMHT#81 - Banking BonusesIn which Nick regales The Dear Listener with his in-depth review of the features in his NatWest banking package. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 81; TLP breaking down in tears in Pembrokeshire; The latest edition of his Hat-Tip Newsletter (out 10th September 2020) LINKS: Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with...2020-09-0320 minMoney Hat-Tip Personal Finance PodcastMHT#80 - It’s All WaterIn which Nick regales The Dear Listener with his brutally honest opinion on the Dividend Fallacy. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 80; A-Level fiasco. LINKS: 2020 UK Dividend Outlook Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email...2020-08-2020 minMoney Hat-Tip Personal Finance PodcastMHT#79 - Nick, Why Didn’t You Tell Me This?In which Nick regales The Dear Listener with his brutally honest opinion on Inheritance Tax (IHT). In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 79; TLP and her “art”; “Show Your Work” book review. LINKS: Show Your Work by Austin Kleon Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on...2020-08-0618 minMoney Hat-Tip Personal Finance PodcastMHT#78 - Over 65s At Greater RiskIn which Nick regales The Dear Listener with a horror story of Stateside bad behaviour and The Big Mistake. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 78; Rotavating the front garden; Enron book review; TLP planning the Summer Holidays. LINKS: Enron book Article about over 65s making The Big Mistake Sign up to Nick’s quarterly online “Hat-Tip” newsletter here. ========== Any comments or fe...2020-07-2316 minMoney Hat-Tip Personal Finance PodcastMHT#77 - Scary And Not DangerousIn which Nick regales The Dear Listener with things that are either Scary or Dangerous but rarely both (except females, who are both, most of the time). In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 77; Cricket resuming. LINKS: The “Scary And Not Dangerous” article Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for fu...2020-07-0914 minMoney Hat-Tip Personal Finance PodcastMHT#76 - KPR: The Three-Headed Monster!In which Nick regales The Dear Listener with his initial thoughts on the pointless negativity of the endless news cycle. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 76; Douglas Murray on what went on at Reading; Nick’s latest “Hat-Tip” Summer 2020 newsletter. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Ge...2020-06-2514 minMoney Hat-Tip Personal Finance PodcastMHT#75 - An Email From The FCAIn which Nick regales The Dear Listener with his initial thoughts on personal budgeting software. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 75; Times are dark but it’s not the end of times - you could have been living in 1975! LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch wi...2020-06-1117 minMoney Hat-Tip Personal Finance PodcastMHT#74 - Always Answer On Your TermsIn which Nick regales The Dear Listener with his guidance on dealing with client concerns and questions. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 74; A Lincoln Life Lesson on why eating bats is bad for your bladder. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with...2020-05-2822 minMoney Hat-Tip Personal Finance PodcastMHT#73 - The Great Suppression and NAAACsIn which Nick regales The Dear Listener with his thoughts about those who have Never Actually Advised A Client (NAACs) In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 73; The ongoing Great Supression and putting the economy into a self-induced coma LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in...2020-05-1419 minMoney Hat-Tip Personal Finance PodcastMHT#72 - You Knew At Hello!In which Nick regales The Dear Listener with his thoughts about giving up on a book as soon as you know it’s not for you! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 72; Supreme Commander Chancellor Sunak; Intuition: book the bad book down, end the bad first meeting with bad prospects; P.I.T.A. LINKS: Sunk Cost Fallacy in detail here; Rule of 72 Explained here; Sign up to Ni...2020-04-3019 minMoney Hat-Tip Personal Finance PodcastMHT#71 - “Don’t Pandemic!”In which Nick regales The Dear Listener with his highly personal take on the lockdown, and how his business has been working through it. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 71; NHS clapping-by-order; Is the cure worse than the disease? Neil Ferguson and Imperial College - the “experts”. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratef...2020-04-1624 minMoney Hat-Tip Personal Finance PodcastMHT#70 - We’ve Been PunchedIn which Nick regales The Dear Listener with insights as to how clients have been reacting to the figurative Punch felt around the world! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 70. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good ol...2020-03-1915 minMoney Hat-Tip Personal Finance PodcastMHT#69 - Stamping On Your RetirementIn which Nick regales The Dear Listener with news of the latest price rise in his favourite Lifestyle cost proxy - the First Class Stamp! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating facts around the fine figure 69. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via...2020-03-0509 minMoney Hat-Tip Personal Finance PodcastMHT#68 - The High Price of IntegrityIn which Nick regales The Dear Listener with a real client example of choosing the high road over the easy path to riches! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Storms Ciara and Dennis; Fascinating facts around the fine figure 68. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitte...2020-02-2018 minMoney Hat-Tip Personal Finance PodcastMHT#67 - The Lessons of 1929In which Nick regales The Dear Listener with review of a book on the mother of all financial pancs! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Six Nation disappointments; The fine figure 67. LINKS: “Rainbow’s End” book by Maury Klein on the 1929 WSC; Useful definition of what buying (or selling) on margin means here; Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully...2020-02-0619 minMoney Hat-Tip Personal Finance PodcastMHT#66 - More Proof That Opportunity Abounds!In which Nick regales The Dear Listener with a woeful economic forecast from four years ago! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Saracen’s relegations blues; Blue Monday; The number 66, including a brief appearance from Emperor Palpatine. LINKS: Morningstar’s report into what clients value from their advisers. Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for fu...2020-01-2313 minMoney Hat-Tip Personal Finance PodcastMHT#65 - Making Astrology RespectableIn which Nick regales The Dear Listener with a woeful economic forecast from four years ago! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Ricky Gervais’s electric opening remarks at the 2020 Golden Globes; Escaping from Magic Grandpa and the forces of darkness; Proposing to The Lovely Penelope. LINKS: Guardian RBS economist’s article from January 2016; David Hearne’s Nick Murray resources website; Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== 2020-01-0919 minMoney Hat-Tip Personal Finance PodcastMHT#64 - Twelve Days of ChristmasIn which Nick regales The Dear Listener a truly awful rendition of the Xmas classic! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The UK election and voting “Tower Hamlets” style; His speech at Humans Under Management. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old email...2019-12-1213 minMoney Hat-Tip Personal Finance PodcastMHT#63 - UK Equities: Worst Quarter Ever!!!In which Nick regales The Dear Listener with a terrifying tale of bed behaviour! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The UK election and the lack of decent parties to vote for; His upcoming speech at Humans Under Management. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. FT Adviser article "Investors flee UK equities in worst ever quarter" ========== Any comments or feedback gratefully received. Likewi...2019-11-2815 minMoney Hat-Tip Personal Finance PodcastMHT#62 - Abraham Lincoln On Financial PlanningIn which Nick regales The Dear Listener with insight into the magic of taking control of your future! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The dangers of travelling with the hoi polloi; His upcoming speech at Humans Under Management. LINKS: Sign up to Nick’s quarterly “Hat-Tip” newsletter here. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitte...2019-11-1412 minMoney Hat-Tip Personal Finance PodcastMHT#61 - The 50 Turns 50!In which Nick regales The Dear Listener with a 50th birthday celebration of the humble 50p! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids (not many) featuring the fine figure 61; England winning the Rugby Word cup by double-digits (probably) LINKS: Guardian article on the launch of the 50p piece in 1969; Twitter account of The Lovely Penelope. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows...2019-10-3118 minMoney Hat-Tip Personal Finance PodcastMHT#60 - When The Vanguard FaltersIn which Nick regales The Dear Listener with a story of a (semi) fallen hero! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids (not many) featuring the fine figure 60; Douglas Murray’s superb “The Madness of Crowds) LINKS: None. Go surf your own Intraweb! ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twitter or via good old ema...2019-10-1714 minMoney Hat-Tip Personal Finance PodcastMHT#59 - A.I.N.A.C: An ExampleIn which Nick regales The Dear Listener with a perfect example of a Value Proposition! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids (not many) featuring the fine figure 59; Speech writing and The Muse; Rites of passage with The Boy. LINKS: “Investors Pull £300m A Week From UK Equities” article. Read it and weep. ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in...2019-10-0316 minMoney Hat-Tip Personal Finance PodcastMHT#58 - A.I.N.A.C!In which Nick regales The Dear Listener with why Advice Is Not A Commodity when You Become The Message! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 58; The tenuous tenures of Association Football managers; Rubbing shoulders with the poor and infamous at Mansion House. LINKS: The Marshall McCluhan scene in “Annie Hall” ========== Any comments or feedback gratefully received. Likewise with suggestions for future s...2019-09-1913 minMoney Hat-Tip Personal Finance PodcastMHT#57 - Well EndowedIn which Nick regales The Dear Listener with a 25 year client success story - all from the El Dago Bar & Grill, Sunset & Vine, Hollywood! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 57; A perfectly prorogued Parliament; Summer holidays receding into memory. LINKS: None: go surf your own Intraweb! ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch...2019-09-0514 minMoney Hat-Tip Personal Finance PodcastMHT#56 - No Plan = No Anchor = No Chance!In which Nick regales The Dear Listener on how people with a plan behave compared to people who don’t! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 56; Bavarian walking holidays and a Departure Lounge Review introduced by Yoda.. LINKS: None: go surf your own Intraweb! ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nic...2019-08-2213 minMoney Hat-Tip Personal Finance PodcastMHT#55 - Happy Anniversary, Business Week!In which Nick regales The Dear Listener on the 40th anniversary of perhaps the most egregious piece of financial porn ever! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 55; Getting out of Luton Airport alive and with wallet intact; Bavarian walking holidays; Taking his father to the Eric Hollies stand at Edgbaston. LINKS: Article on the Business Week edition of 13th August 1979; “Furious Hours” book on Amazon...2019-08-0811 minMoney Hat-Tip Personal Finance PodcastMHT#54 - Getting Paid For Doing NothingIn which Nick regales The Dear Listener with the wonderful power of doing nothing via a real client interaction! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 54; Relationship Hat-Tip featuring The Lovely Penelope; England winning the cricket World Cup; NHS - free at the point of need for those who have paid into it (over generations…) LINKS: None - go search your own intraweb! ...2019-07-2516 minMoney Hat-Tip Personal Finance PodcastMHT#53 - Flying BlindIn which Nick regales The Dear Listener with a tortuous analogy between a windowless aisle seat and going on a blind financial journey! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 53; Women’s sport - who watches it? LINKS: Nick’s recent trade article on inflation risk. Nick’s first Mile High Money HatTIp podcast listener. ========== Any comments or feedback gratefully received. Li...2019-07-1111 minMoney Hat-Tip Personal Finance PodcastMHT#52 - Compounding The ProblemIn which Nick regales The Dear Listener with ONS data via the Timeline app, showing how “average” UK retirees could be walking into a four-decade retirement! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 52; Tory leadership slip-ups that rhyme with Hunt; Forthcoming trip with Andy Hart to officially open Dublin. LINKS: Abraham Okusanya (The Nigerian Number Ninja) and his video on longevity; Gruadnian piece on average UK retiree ages; IFA...2019-06-2714 minMoney Hat-Tip Personal Finance PodcastMHT#51 - Many Are CalledIn which Nick regales The Dear Listener with another “from the heart” monologue on how sometimes giving your best is not enough - and that’s fine! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 51; Being bullied out of his own studio by The Lovely Penelope; Wet weekend Welsh walking. LINKS: Nothing: go surf your own intra-web! ========== Any comments or feedback gratefully received. Likewise with...2019-06-1310 minMoney Hat-Tip Personal Finance PodcastMHT#50 - What Do You Stand For?In which Nick regales The Dear Listener with a “from the heart” monologue on standing for something, lest you stand for nothing! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 50; Disappointing “Game of Thrones”; FA Cup Final massacre; EU elections and left-wing thuggery. LINKS: Nothing: go surf your own intra-web! ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in to...2019-05-3012 minMoney Hat-Tip Personal Finance PodcastMHT#49 - Back The Tortoise pt2In which Nick regales The Dear Listener with the qualities other asset classes (cash, gold and property) have compared to equities. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 49; Appearing on Pete Matthew’s “Meaningful Money” podcast; Avoiding Game of Throne spoilers! LINKS: "The Case for Dividend Growth: Investing in a Post-Crisis World" by David Bahnsen. Pete Matthew's "Meaningful Money" podcast series ========== Any comments or fe...2019-05-0914 minMoney Hat-Tip Personal Finance PodcastMHT#48 - Back The Tortoise pt1In which Nick regales The Dear Listener with the Holy Trinity of equity investing. It’s not the quick route to riches - but it’s the best! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 48; St George’s Day and lunch at The Grosvenor, Park Lane; A 100% genuine “Lincoln’s Listener Letter” from… nobody. Postman didn’t turn up! LINKS: "The Case for Dividend Growth: Investing in a Post-Crisis World" by David Bahn...2019-04-2511 minMoney Hat-Tip Personal Finance PodcastMHT#47 - Don’t Be The PunchlineIn which Nick regales The Dear Listener with both satire and the tragedy of “human nature as a failed investor.” In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 47; Watford’s FA Cup Semi-Final and awful service from Ticketmaster; A 100% genuine “Lincoln’s Listener Letter” from a Mrs Bridget Bardot of Barking. LINKS: "The Case for Dividend Growth: Investing in a Post-Crisis World" out on 18th April, by David Bahnsen. Nick...2019-04-1112 minMoney Hat-Tip Personal Finance PodcastMHT#46 - Man Plans, and God Laughs pt2In which Nick regales The Dear Listener further on the big picture nature of financial planning! Includes special Relationship Hat-Tip from @penelopeTL. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 46; A remarkable Calcutta Cup game at Twickenham; A 100% genuine “Lincoln’s Listener Letter” from a Mrs Rita Hayworth of Haywards Heath. LINKS: Follow @penelopeTL on Twitter: let’s get her beyond 29 followers! ========== Any comments or fee...2019-03-2815 minMoney Hat-Tip Personal Finance PodcastMHT#45 - Man Plans, and God Laughs!In which Nick regales The Dear Listener on the big picture nature of financial planning! Don’t sweat the small stuff: take action now and refine later. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 45; Aeroplanes falling out of the sky; A 100% genuine “Lincoln’s Listener Letter” from a Mrs Diana Dors of Dorking. LINKS: None: go search your own intraweb! ========== Any comments or feedback gra...2019-03-1415 minMoney Hat-Tip Personal Finance PodcastMHT#44 - Lies, Stamps and Beer - Part TwoIn which Nick regales The Dear Listener on the healing power of long-term equity investing. How it can protect you from a thirty year tsunami of inflation - the termite destroying your wealth! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 44; Losing to the Welsh; A 100% genuine “Lincoln’s Listener Letter” from a Mrs Kate Winslet of Winslow. LINKS: David Aaronovitch’s “Party Animals: My Family and Other Communists” ...2019-02-2815 minMoney Hat-Tip Personal Finance PodcastMHT#43 - Lies, Stamps and Beer - Part OneIn which Nick regales The Dear Listener on the su bject of always - always - putting Uncomfortable Truths before Comforting Lies! And what as the price of beer in 1986?! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 43; Sugar, and the damage it does; France - what’s the point?! The supercomputer Deep Thought, fish, and Chas ‘n’ Dave; A 100% genuine “Lincoln’s Listener Letter” from a Mrs Scarlett Johannsen, of Merthyr Tydfil. LINKS:...2019-02-1422 minMoney Hat-Tip Personal Finance PodcastMHT#42 - Shut Up!In which Nick regales The Dear Listener on the subject of talking too much with your clients. Specifically: does anyone other than you really care about your “investment philosophy”?! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Fascinating factoids featuring the fine figure 42; Burns’ Night menus ranging from beef, fish, to w****r; Davos and the importance of ABB (Approved By Bono); A 100% genuine “Lincoln’s Listener Letter” from a Mrs Elizabeth Hurley, of Purley. LINKS: None - g...2019-01-3113 minMoney Hat-Tip Personal Finance PodcastMHT#41 - But Brexit!In which Nick regales The Dear Listener with the dangers of putting off doing what needs to be done with your finances because of the current “Catastrophe of Catastrophes” In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: House move updated; The podcast coming up on the front page of iTunes; Daunting “Dear CEO” emails from the FCA….. The passing of Jack Bogle; Another batch of positive Money HatTIp podcast reviews. LINKS: None - go search your own Intraweb...2019-01-1818 minMoney Hat-Tip Personal Finance PodcastMHT#40 - The Man With The Child In His EyesIn which Nick regales The Dear Listener with what a value proposition looks like. It has nothing to do with Essex or technical knowledge! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The tribulations of moving; Another batch of positive Money HatTip podcast reviews. LINKS: None - go search your own Intraweb! ========== Any comments or feedback gratefully received. Likewise with suggestions for future shows. Get in touch with Nick on Twit...2018-11-2915 minMoney Hat-Tip Personal Finance PodcastMHT#39 - You Are The Message (see Ep#10)In which Nick regales The Dear Listener with an insight into the thought process that went behind his recent public speaking engagement! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The London Hippodrome; Watching England cricketer Matthew Hoggard on YouTube - and then bumping into him the next day on the Victoria line! LINKS: Ep#10 - “Is Ideology A Good Idea?” Nick Murray newsletter ========== Any comments or feedback gratefully received. L...2018-11-1512 minMoney Hat-Tip Personal Finance PodcastMHT#38 - Gold For NothingIn which Nick regales The Dear Listener with a scorchingly honest (what else?!) appraisal of the merits of gold as a place to store your wealth when things are looking rocky! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Helicopters; A benign Budget (on the surface); a “Lincoln’s Listener Letter” from a Mrs Marlene Dietrich, of Droitwich. LINKS: None. Go surf your own Interweb! ========== Any comments or feedback gr...2018-11-0114 minMoney Hat-Tip Personal Finance PodcastMHT#37 - FBO, Baby!In which Nick regales The Dear Listener with an indispensable guide as to how to have a reservoir of optimism in a world seemingly going to hell in a handbasket! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The forthcoming UK Budget on 29th October; a “Lincoln’s Listener Letter” from a Mrs Raquel Welch, of Belper. LINKS: Tickets for Humans Under Management here; Hans Rosling’s “Factfullness”; Matt Ridley’s dissection of the Four Horsemen. ...2018-10-1817 minMoney Hat-Tip Personal Finance PodcastMHT#36 - Cassandra Calls Again!In which Nick regales The Dear Listener with a highlight reel of the daftest economic and market predictions of the last six years. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Recovering from food poisoning via the Ryder Cup; a “Lincoln’s Listener Letter” from a Mrs Dolly Parton, of Great Barton. LINKS: Tickets for Humans Under Management here; Nick’s well received Tweet showing the Cassandra slide he refers to; Nick’s latest Market Update: essential readi...2018-10-0415 minMoney Hat-Tip Personal Finance PodcastMHT#35 - This Too Shall PassIn which Nick regales The Dear Listener with a reminder of the constant volatility of the markets - volatility which should be constantly welcomed by investors. This episode forms a natural bookend to episode #34, so do listen to that one as well. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Alastair Cook and the 2019 Ashes; His growing podcast fanbase in The Netherlands; a “Lincoln’s Listener Letter” from a Mrs Bette Davis, of Dagenham. LINKS: Robert Tombs’ mast...2018-09-2016 minMoney Hat-Tip Personal Finance PodcastMHT#34 - Capacity For DrossIn which Nick regales The Dear Listener with his views on a thorny issue for UK advisers - Capacity For Loss. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: His house move; A recent break with TLP in Croatia - beaches are reviewed; Potentially slightly changing the focus of the Money HatTip - but don’t panic; A Departure Lounge Review (Split); a “Lincoln’s Listener Letter” from a Mrs Jean Harlow, of Hitchin. LINKS: Adviser event of the...2018-09-0619 minMoney Hat-Tip Personal Finance PodcastMHT#33 - Soap #2In which Nick regales The Dear Listener with numbers behind “The Behaviour Gap”, aka “Touching Your Soap Too Much”. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: a dead housing market; “Finest Years” by Max Hastings; the bloody “Sound of Music” and John Coltrane; cricket and Northern anaesthetists; a “Lincoln’s Listener Letter” from a Mrs Lana Turner, of Port Talbot. LINKS: John Coltrane’s “My Favourite Things”; Link to “Finest Years” by Max Hastings. ==========...2018-08-0917 minMoney Hat-Tip Personal Finance PodcastMHT#32 - SoapIn which Nick regales The Dear Listener with a story highlighting the dangers of “touching” your investments too often. Like soap, an investment portfolio will gradually whittle away the more it is touched! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Wimbledon; The crassnes of calling Donald Trump a Nazi; “Unfunded tax-cuts”; A “Lincoln’s Listener Letter” from Mrs Veronica Lake, of Basildon. LINKS: The article about Grace Groner and Richard Fuscone. ========== ...2018-07-2617 minMoney Hat-Tip Personal Finance PodcastMHT#31 - The Fourth EstateIn which Nick regales The Dear Listener with a horror-story example of everything wrong with financial journalism. Remember: financial journalism is not designed to educate or help you in any way: it’s there to sell advertising. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Endless sunshine and 1976; England’s advance in the Association Football World Cup; Complete lack of interest in his house (dead housing market?); A “Lincoln’s Listener Letter” from Mrs Veronica Lake, of Basildon. LINKS: 2018-07-1214 minMoney Hat-Tip Personal Finance PodcastMHT#30 - K.I.S.SIn which Nick regales The Dear Listener his newly found belief of distilling complex financial plans down into a document no longer than one-side of A4. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Lovely weather; England simultaneously winning at both Association Football and cricket; Being Best Man to a LibDem groom on 23rd June; A new segment, “Lincoln’s Listener Letters”. LINKS: Nick’s blog piece on K.I.S.S and the One Page Finan...2018-06-2812 minMoney Hat-Tip Personal Finance PodcastMHT#29 - Nine Beliefs Part Three (7 to 9)In which Nick regales The Dear Listener with the final three of the nine beliefs that underpin all the advice that he gives to all of his clients, all of the time. No exceptions! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The passing of Anthony Bourdain; Losing his mobile phone (without insurance….); A trip to Brno (including a Yoda-introduced Airport Departure Lounge Review); Being Best Man to a LibDem groom on 23rd June; A Relationship HatTip on the dangers of pre...2018-06-1418 minMoney Hat-Tip Personal Finance PodcastMHT#28 - Nine Beliefs Part Two (4 to 6)In which Nick regales The Dear Listener with the next three of the nine beliefs that underpin all the advice that he gives to all of his clients, all of the time. No exceptions! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: His time in Dublin (“Good afternoon Belfast”) - the Jonny Wilkinson affair; God Damn Piece of Rubbish (GDPR); English cricket; Royal Weddings; more lovely Bank Holiday weather; Another Relationship HatTip segment on the protocol of kissing: including a Twitter...2018-05-3114 minMoney Hat-Tip Personal Finance PodcastMHT#27 - Nine Beliefs Part One (1 to 3)In which Nick regales The Dear Listener with the first three of the nine beliefs that underpin all the advice that he gives to all of his clients, all of the time. No exceptions! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The utter stupidity of giving £10,000 to each and every 25 year old; The “celebrations” around the 200th anniversary of the birth of Karl Marx; Bank Holiday weather; An extended Relationship HatTip segment on the protocol of kissing: does it have a pl...2018-05-1729 minMoney Hat-Tip Personal Finance PodcastMHT#26 - A First Class Retirement?In which Nick regales The Dear Listener with stories of 1988: 30 years ago a first-class stamp cost just 19p. Now it’s 67p. The average retirement lasts over 30 years - will your income keep pace with inflation for three decades? In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Another bloody cold snap; Sainsbury’s and Asdas to merge (yuk); good riddance Amber Rudd; Final preparations for his keynote speech in Dat Dere Dublin in May; LINKS: Best book ever...2018-05-0314 minMoney Hat-Tip Personal Finance PodcastMHT#25 - Free MoneyIn which Nick regales The Dear Listener with a tail about the only free money that is on offer in personal finance: your employer’s pension scheme. Exciting! Sort of. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Preparations for his keynote speech in Dat Dere Dublin in May; Social media and advertising: not the beginning of the end but the end of the beginning; Relationship Hat-Tips with a guest appearance from the ever lovely @PenelopeTL. LINKS: BBC...2018-04-1920 minMoney Hat-Tip Personal Finance PodcastMHT#24 - Howling Dog & The OstrichIn which Nick regales The Dear Listener with his joy at being labelled an “ostrich” by a fellow financial adviser. Why? Well, don’t stick your head in the ground. Listen on and find out! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Easter breaks away and overnight stays in A&E; Howling with the hounds (OK, a cocker spaniel). LINKS: The always excellent JP Morgan “Guide To The Markets”, explaining the very normal and typical intr...2018-04-0517 minMoney Hat-Tip Personal Finance PodcastMHT#23 - Nick Who?The retirement income conundrum: as people get older, they (apparently) get more risk-averse. But the biggest risk to retirees is running out of money before they run out of life. How do (enlightened) financial advisers address this? Listen on to find out! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The return of The Beast from The East (Big Val, from Great Yarmouth); Disastrous interactions with other halves (including a guest appearance from @RedCircleFP in the ever popular Relationship Hat-Tip); A po...2018-03-2217 minMoney Hat-Tip Personal Finance PodcastMHT#22 - No Free LunchIn personal finance, if it seems too good to be true, it is! No ifs or buts. Beware scammers: people who want to swindle you out of your cash by offering you ridiculously high potential returns. Always be sceptical - and lean on your adviser: she is nearly always the only person keeping you from “stupid”. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The Beast from The East (Big Val, from Great Yarmouth); Going to listen to Douglas Murray with The...2018-03-0814 minMoney Hat-Tip Personal Finance PodcastMHT#21 - House For Sale!MHT#21 - House For Sale! It seems like everyman and his wife has made money from property over the years. In this fast-paced episode, Nick examines some of the unspoken truths behind bricks and mortar. In particular, it always pays to remember how rarely your property is actually valued. Compare this to your ISAs, pensions etc which are valued every moment of every day! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: The Winter Olympics and the s...2018-02-2223 minMoney Hat-Tip Personal Finance PodcastMHT#20 - Reasons To Be Cheerful pt2Listen to this episode with the previous one (#19 “Come Fly With Glee”), as they dovetail nicely! As before, the Mainstream Media (MSM) is one of your worst enemies. Nick talks about how one bad day on the US stock market is reported as the end of times. He then runs through an article from last month in the New York Times, which - for once - gives a clarion call for those who want to look at the bright side of life. Bottom line: if you a (needless) pessimist, your path to financial independence is going...2018-02-0816 minMoney Hat-Tip Personal Finance PodcastMHT#19 - Come Fly With Glee!If you want to have a successful long-term investment plan, the Mainstream Media (MSM) is one of your worst enemies,. Nick talks about how the MSM decides what news you get to consume - and how most of it is relentlessly negative. Using the remarkably under-reported story of aviation safety in 2017, Nick shows how we are drawn to bad news and pessimism: two forces that can ruin the best laid financial plans of mice and men! In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on abo...2018-01-2521 minMoney Hat-Tip Personal Finance PodcastMHT#18 - BitCoin: A Bit Crap?In personal finance, if something seems too good to be true, it is - plain and simple. Anything that comes with seemingly brilliant returns, is carrying a commensurate amount of not-so-brilliant risk to your money - plain and simple. Is BitCoin an example of this? Nick expands on this complex area of personal finance, in his own unique way. In this episode of what his mother calls the UK’s leading personal finance podcast, Nick also rambles on about: Xmas and the urge to misuse your sharpest kitchen knife; January divorce rates and...2018-01-1121 minMoney Hat-Tip Personal Finance PodcastMHT#17 - The Priceless GiftIn this episode of what his mother calls the UK’s leading personal finance podcast, Nick: Prattles on about his latest public speaking debacle. Reveals the dangers of “one final drink” with Irish financial advisers. Revels in the latest glowing review for the podcast. Discusses a seminal event of 22nd November 1963: the release of Phil Spector’s “A Christmas Gift For You”! Presents his firm’s Investment Intelligence Committee’s review of 2017 and market forecasts for 2018. Talks present etiquette with The Lovely Penelope (TLP) in the ever-popular “Relationship Hat-Tip” segment. Shows how love can save the day when it comes to...2017-12-1423 minMoney Hat-Tip Personal Finance PodcastMHT#16 - Driving In The Rearview MirrorIn this episode of the UK’s leading personal finance podcast, Nick: Discusses a “do-nothing” Budget. Laments the Ashes series and the coldness of Twickenham. Basks in more glowing reviews for the podcast. Discusses calendars in the ever-popular “Relationship Hat-Tip” segment. Talks about how silly it is to make short-term investment decisions. Too many people in financial services make short-term decisions, in the context of decades-long financial plans. This is very sub-optimal. Will we ever learn from previous lessons, or will people still try and drive whilst looking in the rearview mirror? L...2017-11-3017 minMoney Hat-Tip Personal Finance PodcastMHT#15 - The Sound of SilenceIn this episode of the UK’s leading personal finance podcast, Nick: Briefly discusses the Ashes tour. The passing of Antonio Carluccio. Basks in more glowing reviews for the podcast. Has a special guest interview in the ever-popular “Relationship Hat-Tip” segment. Talks about preparing for another speech he is to give. Witters on about Mrs Miggins of 22 Acacia Avenue, Darlington. Says we are living through the most unreported stock market boom ever. As Nick often and repeatedly says, the financial press does not exist to help you make informed money decisions. The near-decade long “bu...2017-11-1619 minMoney Hat-Tip Personal Finance PodcastMHT#14 - “Ch-ch-ch-ch-changes”In this episode of the UK’s leading personal finance podcast, Nick: Briefly discusses Brexit, the Mafia & Harvey Weinstein Broaches a new disaster via the ever-popular “Relationship Hat-Tip” segment Talks about Amazon and how it has changed the way we shop. Yet many financial advisers have not changed their business model at all over years and decades How long-overdue change could be coming to financial advice in the UK, when (not if) the next (painful but always temporary) stock market crash occurs Admits to not owning a single David Bowie studio album! As Nick say...2017-11-0229 minMoney Hat-Tip Personal Finance PodcastMHT#13 - Life Is A Percentage GameIn this episode, Nick: reveals a surefire “Relationship Hat-Tip” discusses how bankruptcy can affect companies, countries and individuals expands on Pay Day loans and misplaced outrage over them wonders exactly what our children are being taught in school witters on about percentages. As Nick says, if our children don’t understand basic percentage mathematics (and therefore won’t “get” the cost of Pay Day loans), then perhaps it is beholden on us as parents to teach them. And there are various ways to do this, thanks to the Internet. LINKS: Book: Theodore Dalrymple’s “Spoilt Rotten” T...2017-10-1913 minMoney Hat-Tip Personal Finance PodcastMHT#12 - The Dismal Science: Foolish Forecasts #2In this episode, Nick compares astrology to the Dismal Science of economics. It revisits an ongoing theme of the Money Hat-Tip: forecasting is for fools. Nick talks his dear listener through an astrological forecast of his compatibility with The Lovely Penelope; quotes economist JK Galbraith dumping on his profession; and has a good laugh (and drops his wine glass in shock) at some idiocy from Paul Krugman, another economist. Along the way he references Reggie Perrin and CJ; reads out a lovely review left on iTunes; reveals a hankering for the blonde one out of...2017-10-0513 minMoney Hat-Tip Personal Finance PodcastMHT#11 - Seriously: Lighten UpIn this episode, Nick reports to his dear listener on: his speech last week to 500 advisers relationship tips via his interactions with The Lovely Penelope a Twitter spat how humour and a lightness of touch can help when talking money. In financial services (and in other professions) it is all too easy to take ourselves too seriously. What we do is serious - but how we do it doesn’t necessarily have to be. The world is full of pompous, self-righteous people. Don’t be one of them! And don’t work with them - unless pompous self-r...2017-09-2817 minMoney Hat-Tip Personal Finance PodcastMHT#10 - Is Ideology A Good Idea?In this episode, Nick describes how the Left-wing ideologies of the last century (National Socialism; Communism; collectivisation; socialism etc) have given the word “ideology” itself a bad reputation. Yet in and of itself, ideology is neither good or bad. Rather it is the nature of the ideas that leads to a good or bad ideology. Nick describes how, when it comes to your finances, working with a financial adviser who has a sensible and strong (and often repeated) ideology can help save you from making enormously expensive, bad financial decisions. LINKS: If you want more...2017-09-1412 minMoney Hat-Tip Personal Finance PodcastMHT#9 - Good is Good EnoughIn this episode, Nick describes how “Perfection is the Enemy of Good”. Waiting for that “perfect” moment is just an excuse for inaction: perfection is unattainable. Strive for good - and that will invariably be good enough. That applies to a flight home from Spain as much as it does to your finances. He also has some rare praise for Luton airport; discusses yet another glowing iTunes podcast review; asks for help in translating a Tweet so heavily weighed down in bullshit that it has its own paddock. LINKS: “The War of Art” by Steven Press...2017-08-3116 minMoney Hat-Tip Personal Finance PodcastMHT#8 - A Taxing Problem In this episode, Nick contrasts the Greek approach to taxes (don’t pay them, basically) with the British system of Paye As You Earn (PAYE), where taxes are “skimmed” off the top of your pay before you even receive it. Liking our system of PAYE to the Las Vegas of the 1960s and 1970s, Nick outlines just how much tax we pay - and then gives some basic commonsense ways of (legally) reducing your tax burden. For many people, tax is their single biggest cost - and every penny of tax (legally) saved is a penny m...2017-08-1719 minMoney Hat-Tip Personal Finance PodcastMHT#7 - Are You Being Served?We live in a world of commoditised products and services, online reviews and social media. Today, it’s hard to escape if you are offering anything other than a top-class service. In this episode, Nick discusses his recent service experience - and suggests what you should be looking out for in respect of service from your Financial Adviser (you do have one, right?!) He also discusses why forgetting a loved one’s birthday is NOT an optimal outcome…. And Luton gets a right good kicking. LINKS: The Prudential Adviser Twitter account. A joke...2017-08-0316 minMoney Hat-Tip Personal Finance PodcastMHT#6 - Aristotle, Peter Taylor, and YouNick discusses the power of partnerships in helping people achieve their financial goals, partnerships based on honesty and focus on a common goal. As Aristotle once noted, synergy results when “The whole is greater than the sum of its parts.” Working in partnership with a good financial adviser will pay you back multiple times over whatever advice fees you pay. Remember: a good financial adviser is one who tells you what you need to hear, not what you want to hear. Likewise, working with a cheap or bad financial adviser is a false economy - you...2017-07-2014 minMoney Hat-Tip Personal Finance PodcastMHT#5 - If you need cash, don't be flashIn this episode, Nick teases out further some of the ideas he outlined in the previous one (MHT#4). A lot of people have long-term financial plans, powered by equally long-term investments. This makes short-term market forecasts irrelevant. But what if you have short-term lifestyle costs that need to be met now (or at least within the next couple of years)? Nick describes how to organise your affairs so that you have the necessary cash to hand to fund short-term obligations, within the overarching context of a decades-long financial plan. Bottom line: it’s al...2017-07-1312 minMoney Hat-Tip Personal Finance PodcastMHT#4 - Foolish Forecasts #1In what will be a recurring theme, Nick discusses the folly of financial forecasts. If you are influenced by these, stop this self-harming behaviour immediately! From a galaxy of follies, Nick highlights three disastrous forecasts made by financial “experts” Bottom line: don’t worry about what is going to happen in the next month, or 12 months, or even five years. It’s out of your control, so focus on what you can control, not on what you can’t. And make sure to listen to the next episode (#5), which dovetails in nicely with the message Nick convey...2017-07-0714 min