MoneyTalks

Simon Webster

Previous Show Topics

Equity release or mired in debt?

We are all living longer which means our money needs to stretch even further…and what happens when it starts to run out? If you have been lucky enough to own a property in the UK any time in ...

GDPR

GDPR is effective from 25th May 2018. We’ve all sorted our marketing – haven’t you? But what about your staff? We’ve all been bombarded with emails begging us to opt in and hopefully we’...

Mythbusting- Common Law marriage

This week Money Talk hosts Helen Noble, a mediator and collaborative lawyer with solicitors Rix and Kay… She’ll unpack the urban myth that is “Common Law” marriage. There is really no such...

How to avoid personal liability from business errors

Simon’s guest this week is Dan Sherlock, commercial lawyer with Rix & Kay Solicitors and together they will be discussing the limitation of personal liability for those running an incorporat...

Pension Transfers

  Many people are sitting on a fortune and just don’t know it. The cash equivalent transfer value of many final salary pensions (the cash a final salary pension scheme gives you to go aw...

Tax Strategy for the New Tax Year

Every March, radio shows and newspapers give top tips for last minute tax planning, but that’s it, they’re last minute! Far better to set a tax strategy for the year ahead so that you can impl...

The end of the tax year

The end of the tax year is nearly upon us. If you haven’t done so already, it’s time to start thinking about making the most of your money! Some of the things you could consider are: • Us...

Local businesses enjoy a revival

Local businesses are enjoying a revival, thanks to social media. The popularity of small businesses is on the rise as more of us are reconnecting with our local establishments. The latest resea...

Who pays when something goes wrong?

Society has come to expect a pay-out should something go wrong. Why is it always somebody’s fault? Last year the NHS paid out nearly £1.6 billion in compensation for medical negligence. How ...

Getting on the Housing Ladder

Home ownership is at a thirty-year low and housing continues to eat up a growing proportion of household income. Owning a home by the age of 25 has become an unachievable dream for many over the l...

Evolving laws on Britain’s roads

Britain's roads are a hazardous place and the laws ruling them are ever evolving. This Friday on Money Talk, Simon is joined by David Barton, a solicitor specialising in motoring law. David ...

Has the Stock Market Bubble Burst?

This week America sneezed, so the rest of the world caught a cold. The Dow dropped by more than 1,175 - its biggest one-day points fall in its history – and European, UK and Asian markets all sa...

Crypto currencies and other scams

When we last talked about Bitcoin it had just hit a peak value of $17,000 USD. Today it’s fallen through $10,000 USD so all those people who did not buy it on our advice can be extremely gratefu...

Tax doesn’t have to be taxing

As the deadline for online tax returns looms, for many panic may be setting in!  Some may not even know that they need to submit a tax return. Here are some of the reasons you’ll need to sen...

Business ownership: the key to success

Failure to manage its business properly just brought down Carillion, it has previously brought down Lloyds Bank – only saved by a tax payer bailout, Northern Rock, HMV, Blockbuster, Kodak, Borde...

Financially Fit for 2018

New year, new you! It's the mantra we hear repeated January after January, year after year. Yet financial fitness is overlooked at the best of times, and around the festive season our bank acco...

2017 in retrospect

2017 - a year that has been absolutely packed full of both highs and lows. This Friday Simon will be reflecting on the good, the bad, and the bits in-between. For a one hour summary of the y...

Data Protection – knowing where you stand

With the New Year comes new regulation impacting every business in the land - including yours! General Data Protection Regulations (GDPR) aims to return control of personal data to the individ...

All things Christmas

All things Christmas with Money Talk live on Friday. A great Christmas need not cost the earth; how to stay safe on winter roads with Rachael Hogg from Auto Trader. Simon will also investigate...

Tax Breaks for the Wealthy or Investing in Enterprise? EIS Unpacked…

One of the few big things “Spreadsheet Phil” did in his 2017 budget was double the “EIS tax allowance” from £1m to £2m (as long as at least £1m was invested in knowledge intensive compa...

The Budget 2017

Phil Hammond’s last budget was a disaster. Will this one be his last - or will he fare better this time? 300,000 new homes a year is apparently his new target. They’ve released 230,000 this...

Vital tax planning tips for all

The hyper efficient Hong Kong Tax code is  the world’s shortest at 276 pages long. Meanwhile the UK tax code is the world’s longest at 17,000 pages. HMRC would have us believe that “tax doe...

Hanging on to your drivers licence this Christmas

Navigating Britain's roads can be a hazard at the best of times, particularly in the lead up to the festive season. The situation could only be made more complicated should you be found to have...

Raising business finance

Business finance has been harder to come by since the 2008 crash. While the high street banks tell us they are doing much more to help small business, many such business owners still cite “raisi...

Working through divorce

In 2016 there were 106,959 opposite sex divorces and 112 divorces of same sex couples. Interestingly these numbers are down from their 2005 peak. There seem to be no official statistics on cohabit...

Social media marketing: making it work for you

Social media is a powerful tool readily available at our fingertips. However for many small business owners, the idea of utilising social media for marketing purposes can be a daunting one. ...

Alternative finance options

Nearly two thirds of UK SMEs (small & medium sized enterprises) don’t understand how invoice finance works, despite their financial directors and CFOs considering restricted cash flow a bar...

The Conservative Party Conference 2017

Conference Season Episode Two: The Tories The Tory party has the biggest peacetime challenge of any government in history - negotiating the UK out of the Eu. Anyone who thinks this is straight ...

The Labour Party Conference 2017

What should we make of the Labour party conference? Will they win the next election? Where do they stand on BREXIT? Is this the end of Private Finance Initiative (PFI)? What about student ...

Retirement: are you prepared?

Are you prepared for retirement? When it comes to planning for later life, doing nothing is not an option! Whatever your situation, saving for the latter years of your life is crucial. However,...

Convenience costing motorists cash

You're skidding?! Motorists lose almost £1,000 selling their cars through car buying websites BMW's & SUV's lose out the most Cars registered post 2014 lost £1,548 on average More t...

Auto Enrolment

Over 700,000 small & micro employers will be looking to auto-enrol in the the next 6 months, accordingly to The Pension Regulator. The automatic enrolment legislation imposes duties on empl...

Tax Credits – does your business qualify?

Thousands of small and medium-sized enterprises (SME’s) are receiving tax credits from the government for research and development (R&D) projects. SME’s can see a return of up to 25% of re...

The UK’s vanishing Bank & Building Society branches

• 84% OF BRITS STILL BANK OVER THE COUNTER • ONE IN 10 WHO BANK IN BRANCH CITE SKETCHY BROADBAND OR NO INTERNET BANKING ACCESS AT ALL • 31% BELIEVE THEY COULD SUFFER FINANCIAL EXCLUSION IF...

Cars: lease or buy?

Do you know what car to buy next? Hybrid, petrol, diesel or full electric? Would it be best to lease, buy, or HP your next car or van? Should you go through your bank, or use a specialist as...

Interest rates: historic lows – Student debt: historic highs

With the lowest interest rates in living memory, the last ten years have been great for borrowers but awful for savers – and it’s not changing any time soon! Meanwhile students in England a...

Final salary pensions – opportunity or unexploded bomb?

It’s taken some time, but George Osborne’s pension freedoms are finally coming into play. These freedoms have captured the attention of many, and subsequently Final Salary Pension transfers are ...

Unpicking fairness

Paraphrasing Churchill “Capitalism is the world’s worst economic system – except for all the rest.” ..and therein lies the dilemma. Socialism failed in Russia and in Cuba. It was only whe...

Election Results June 2017

Friday is set to bring a clearer picture of who will be taking us into the UK's exit from Europe. But who will be leading the way? Simon will be discussing the results of the election this F...

Pension freedoms…

More people than ever before are transferring their secure Final Salary pensions into potentially high risk personal pensions, opening the door to a future mis-buying scandal. In days gone by fina...

Election Special

Uncovering the truth in an era of fake news. U Turn if u May? Corbyn’s policy platform. The National Debt. This Friday Simon examines the issues and as a lifelong Tory voter he is not happy! ...

The Key is Productivity

Productivity can make or break a business. But how can business owners ensure that they are getting the most out of their staff? This week Money Talk is hosted by Jo Dodds who will be joined b...

Lenders in the spotlight

First credit card companies were ordered to clean up their act - now car loans are coming under the spotlight as the financial regulator launches a new investigation into car finance. With 90% of ne...

Excess Capital going to waste

BRITISH FIRMS HAVE £500BN LOCKED UP IN EXCESS WORKING CAPITAL CASH TIED UP SHOWS BUSINESSES UNDER HISTORIC PRESSURE LATE PAYMENTS AND STOCKPILING AHEAD OF PRICE HIKES CAUSING A HUGE FINANC...

From the ground up

Without the right foundations many new business fail...so what is the key to building a successful business? This week on Money Talk Simon is joined by special guest Denise Wilton, founder of Mark...

Debt threat

In Money Talk this week Simon and Jo will tackle the thorny issue of credit card debt. In an overdue but welcome move the UK Financial Services Regulator proposes compelling card issuers to provide ...

Where there’s a Will, there’s a way

Money Talk this week features solicitor Keith Betts. We will be exploring the reasons why pretty much everyone should make a will and the consequences of dying without one. We’ll be looking a...

A bumpy ride?

This week Money Talk will live up to it's name. With so much happening in the financial world, Simon will be tackling: The fallout from Article 50 Scottish devolution The Trump Effect ...

Should you join the local chamber of commerce?

The short answer is YES! Jo James Chief Executive of Kent Invicta Chamber joins Simon this week. They’ll be discussing importance of the work the Chamber does behind the scenes on behalf of busin...

Budget tightrope

The chancellor has a difficult balancing act to perform in this week’s budget. UK Plc is still in massive debt and is still spending more than it receives in tax. Meanwhile vital public services...

Human capital – the value of people

~ Money Talk this week focuses on human resources. Identifying vacancies/opportunities, constructing a job description and person profile, advertising, shortlisting, selecting, on boarding, traini...

Divorce: the hard facts

There were over 130,000 divorces in the UK in 2013. So more than half a million adults and their children went through what is often described as the most stressful event in life in a single year. C...

Political & economic upheaval – a week in review

Continued political and economic uncertainty leave much to ponder this week: Will rising inflation trigger early interest rate rises? Will the Uber led GIG economy crash due to changes in em...

Get wed for a pension?

The rights of public sector pension scheme members with partners (rather than spouses) have been significantly improved following a ruling by the UK Supreme Court. Denise Brewster lost her long-t...

Mergers & Acquisitions – Pure Science or Dark Art?

Companies spend more than $2 trillion on acquisitions every year, yet according to the Harvard Business review the M&A failure rate is between 70% and 90%. Why do so many go wrong. Money Talk ...

Cyber-crime threatens us all

Cybercrime – crime involving computers and probably the internet and identity theft are now a far greater threat than “old fashioned” mugging and robbery. These days everybody knows someone...

Greedy lenders defy regulator at borrower’s expense

If you are being penalised by your existing lender what can you do? Homeowners are still being forced to undergo strenuous credit-checking if they wish to move their mortgage from one property to a...

The ‘hidden hungry’ with Canterbury Food Bank

Joining Simon this Friday the 6th of January will be Canterbury Food Bank Trustee Peter Taylor-Gooby and volunteer David Whitehouse. Peter and David will be sharing the work that their charity ...

2016 Best Bits

This week Simon will be reviewing the year gone by (the good, the bad, & the ugly!). On top of this we will be revisiting some of our favourite past shows! Tune in from 1pm this Friday the...

Credit and store cards: the good, the bad and the ugly

Convenient or dangerous? A help or a hindrance? Credit & store cards can be viewed entirely differently depending on who you ask. For the most part, whether a credit/store card is beneficia...

Financial survival at Christmas

  At Christmas family budgets always come under huge pressure. The cost of food, hosting and visiting, plus gifts & toys for the kids are fed by the natural desire to give the family t...

Employment law in an uncertain world

The job security of millions is threatened by BREXIT. Many of the UK’s employment protections emanate from Brussels. The terms of our departure and the attitude of future UK governments will hav...

How will the Autumn statement affect you?

Tax, benefits & housing - just a few of the areas affected by this year's Autumn statement But as always, the real question is what affect this is going to have on real, day-to-day life, partic...

Carrying on post-Brexit

How a small family business is moving on after Brexit In the wake of Brexit, one key issue has reached the headlines time & time again: 'What impact will this have upon Britain's interna...

Growing Pains: Living in an expanding Britain

A third runway at Heathrow has been approved, following a government cabinet meeting on Tuesday. In a post-Brexit UK, many people are singing the praises of this decision. Supporters have already a...

Empowerment Through Education

  It is widely accepted that education opens many doorways in life. However, in a society that prides itself on it's education system there seems to be a general lack of resource and knowledg...

Brexit – Hard or Soft?

And what does this actually mean? It has been three months since Britain voted to leave the EU, and much has happened in the UK since then. Little, however, seems to have been decided around the...

Is a £10 Living Wage viable?

Labour's latest proposal has outlined plans to implement a £10 living wage by 2020. But how feasible an option would this be? McDonnell has said that "Under the next Labour government, everyo...

Millennials: Coming of Age in an Economic Crisis

Younger generations are facing a more challenging financial outlook as they plan for the future.   Since 2015 then there have been a number of improvements for the family purse. Both m...

Avoiding the Debt Trap

What savings options are out there for Britain's young? Following on from last week's show this week Jo & Penny will be investigating this. Tune in from 1pm on Channel Radio this Friday ...

The Debt Crisis in Britain’s Young

Accordingly to recent studies a third of Britain's under 24s are over £3000 in debt. The study conducted for the Money Advice Trust by YouGov found that credit cards, over drafts, short-term loans...

Something is rotten in the state of UK pensions

Just about everything that could have gone wrong with the UK pensions system has gone wrong over the past 20 years, and there is no end in sight. The rot began with former Chancellor Gordon Bro...

The Gender Pay Gap

Mother's earning power falls behind their male counterparts upon their return to work, says a recent UK survey carried out by the Institute for Fiscal Studies. Figures have long suggested that wo...

Making Money Out of Cash

Britain is in a savings crisis... On the 4th of August the Bank of England cut interest rates to a new record low of 0.25%. While this is great news for borrowers, this cut is looking t...

The World of Residential Mortgages

Buying a house is considered to be one of the most stressful times in one's life. So who are the people who choose to be involved in this process every day of their lives? This week on Money...

State Pension

UK state Pension provision is already amongst the poorest in the civilised world. In an attempt to improve the situation a triple-lock on state pension was introduced to guarantee that it will incr...

Britain’s Position in a Changing World

Following on from last week's show, this week Simon, Penny & Marcus will be discussing Britain's position in an ever changing world. From youth employment to coalition parties, American...

PR & Politics

This week on MoneyTalk Simon and Penny will be joined by special guest Marcus Chrysostomou, owner of South East based Equilibrium PR. Together they will be discussing the latest news in the po...

Brexit – What now?

Approximately a third of the population voted for BREXIT which of course means that two thirds did not. How democratic is that? The stock market is up, the pound may have plummeted but is now e...

Unintended Consequences of the Brexit

Britain currently appears to be very different country to that which it was prior to the 24th of June. Our political parties are in upheaval, we are untangling ourselves from a long term relationship ...

The Challenges Facing First Time Buyers

Despite the considerable ‘hoorah’ around the new Help to Buy scheme implemented by the government, a recent study carried out by the BBC has shown that the average price of a starter home exce...

Brexit – The Result

What happens next? Today millions of people around the UK will be placing their vote for what they believe is the right way forward for the United Kingdom. Will we be staying in the EU? Or ste...

Fair Money?

BHS & Sports Direct VS National Living Wage & Auto-Enrolment Are we any closer to building a just society? Philip Green and Mike Ashley have made huge personal fortunes from British bus...

Equity Release

Do you have the money for the lifestyle you desire? Many older people find that their pensions will not stretch to the lifestyle that they want - they are income poor. Meanwhile, they find thems...

The Future of Buy-to-Let Property Investment – Safe as Houses?

Careful structuring of your Buy-to-Let portfolio is now more important than ever £50,000 it in a building society, will be lucky to earn 2% or £1,000. That same £50,000 as a deposit on a £200...

Senior Finances Part Two

You know what you want to do, but how are you going to get there? Having touched on the subject of planning for retirement in the last show, this Friday (the 20th of May) Simon & Jo will be ...

Senior Finances

Do you have a plan? As you get older you may find yourself thinking about things that may have hardly crossed your mind previously. In fact, many of these thoughts boil down to just the one...

The Behavioural Biases of Investors

Are your investments being held back by hidden prejudices? Investing your hard-earned savings can often be a nerve-racking experience. A recent study carried out by Schroders has identified that...

Inheritance Tax

  Following the revelation that David Cameron received a £200,000 gift from his mother, Inheritance Tax is once again in the political spotlight. But what is Inheritance Tax, and how could it...

The Politics of Tax Evasion

What is all the hype around tax evasion? Hiding your identity is not necessarily illegal - neither is hiding your money. However in most places in the world doing either to evade tax is. On this...

The Lifetime ISA

Receive a bonus of up to £1000 a year from the government! In the 2016 Budget George Osborne announced that from April 2017, if you are between the ages of 18 and 40, you will be eligible to op...

The Budget Fallout

Who pays for austerity? The 2016 Budget is now a battle over the government’s approach to the vulnerable. It initially appeared to be a ‘non-event’. But the real question now is: “were Ge...

The 2016 Budget

How will the 2016 Budget affect you? Due to be unveiled by George Osborne tomorrow (Wednesday the 16th of March), the 2016 Budget is will set the tone for the upcoming financial year. This week ...

Making the Most of Your ISA

In a time of record-low interest rates how are you making the most of your savings? When considering this an ISA (Independent Saving Account) seems like the obvious choice. However, due to...

Tips for Starting a Business

Ever dreamed of starting up your own business? This week on MoneyTalk Simon will be joined by fellow entrepreneur (and new co-host) Jo Dodds to discuss how they each found themselves creating a...

Pensions & Property Purchases

Using a SIPP to purchase a property is highly tax efficient. This week on Money Talk... Write a cheque from your personal or business bank account to purchase a property and it's purely a bal...

The Time Bomb That Is Interest-Only Mortgages

Why are nearly one million people on the verge of having their houses repossessed? Money Talk investigates... In the 1980’s and 90’s interest-only loans combined with an endowment policy...

End of Year Tax Planning

This coming Friday on Money Talk Simon will be looking at the the ins and outs of Year End Tax Planning. As the end of financial year looms (April 5th), it is worth investigating whether or not you ...

Investing Ethically

In today's world it is often easy to remove oneself from where our money is being invested. Entrusting your hard earned cash with banks, pension funds and financial advisers (often without question) ...

Investing Your Money in Stormy Times

Falling oil prices and fears about China have recently turned many people's minds to the Global Financial Market. Although things may have stabilised over recent years, some fear we are on the ve...

Law with Keith Betts

On this Friday Money Talk will be joined by guest speaker Keith Betts from Robson & Co Hythe. Simon & Keith will be looking at a variety of topics that Keith deals with in his line...

2016 Self-Assessment Tax Return

Over four million taxpayers still need to submit their self-assessment tax return before midnight on January 31st. In this week’s show we will be covering the whos and whys of self-assessment, ...

Owning Your Finances in 2016

New Year, New You! But how many of us actually stick with our New Year's resolutions? Take control this year and make the time to review your budget, making sure you will continue to make ends...

The Change in US Interest Rates

Now that the Fed has raised rates – finally some might say - Money Talk is looking into whether or not a 0.25% rise in rates really matters... An interest rate increase anywhere means: B...

Facts & Figures: A Profile

  Simon was asked to write a piece for Kent Profile Magazine about successful Ashford businesses. So while this is history about the firm – we never forget that we got here by putting ou...

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