The penny drops
What is responsible investment?

What is responsible investment?

October 11, 2021

People often assume that their pensions just sit there. But they’re invested for us – and, when invested responsibly, they can be used to help us move to a more sustainable world. On this episode Andrea Fox speaks to Ashley Hamilton Claxton, Head of Responsible Investment for Royal London Asset Management, about all things responsible investment – what it is, why it’s important and how it can play a role in helping us to tackle big global issues like climate change.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website.

You can also find lots of helpful information on responsible investment at www.royallondon.com/pensions/investment-options/investing-responsibly.

This episode was recorded in September 2021 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. The value of investments can fall as well as rise, and you could get back less than you pay in. Any figures quoted were accurate at the time of recording.

Where to get financial help if you’re disabled

Where to get financial help if you’re disabled

September 6, 2021

For people living with a disability, their condition can often affect them financially, as well as physically or mentally. While there’s support available for those that need it, with so many benefits and information out there, it can be confusing to work out what you might be entitled to and how to apply. On this episode Andrea Fox joins the MS Society’s Benefits Advisor, Bez Ely, and Head of Policy, Phillip Anderson, to discuss how having a disability can impact someone financially and how to find the right support.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website.

You can also find lots of helpful information on financial support and disability on the following sites:

Information on benefits

Citizens Advice: www.citizensadvice.org.uk/benefits
Money Helper: www.moneyhelper.org.uk/en/benefits
GOV.UK: www.gov.uk/browse/benefits

Benefits and grants entitlement

Turn2us Benefits Calculator: benefits-calculator-2.turn2us.org.uk
Turn2us Grants Search: grants-search.turn2us.org.uk

Benefits appeals

GOV.UK: www.gov.uk/appeal-benefit-decision

Employee rights

ACAS: www.acas.org.uk/advice

Support for travel

Motability: www.motability.org.uk
Blue Badge Scheme: www.gov.uk/blue-badge-scheme-information-council
Disabled Persons Railcard: www.disabledpersons-railcard.co.uk

Useful helplines

MS Society: www.mssociety.org.uk/care-and-support/ms-helpline
Citizens Advice: www.citizensadvice.org.uk/about-us/contact-us
Scope: www.scope.org.uk/helpline
Disability Law Service: dls.org.uk/free-advice

MS Society resources

Financial help: www.mssociety.org.uk/care-and-support/financial-help
Fact sheets and booklets: www.mssociety.org.uk/care-and-support/resources-and-publications

This episode was recorded in July 2021 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

How to start your own business

How to start your own business

August 2, 2021

The past year has seen many people reassess their career options, and potentially think about starting a business themselves. But what are some of the things you might need to consider before taking the plunge? On this episode Andrea Fox speaks to Dan Moosah, founder of keepemquiet.com, a company that creates entertainment packs for children, about all things business – from side hustles, choosing a partner and developing a product, to funding, risks and hidden costs.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website.

You can also find lots of helpful information on starting a business on the following sites:

This episode was recorded in July 2021 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

Why it’s time to think differently about our finances

Why it’s time to think differently about our finances

July 5, 2021

For most of us, when we think about finance, we might consider what products we need or how to save for that big purchase. But in this month’s episode Andrea Fox speaks to Royal London’s Sarah Pennells, a personal finance expert and broadcaster, about why it’s time to think differently about our finances and what we want from them. We explore how we can both save for the future and invest responsibly, helping us to build financial resilience as well as a better and more sustainable world to live in.  

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website.

You can also find lots of helpful information on some of the topics discussed in this episode on the following sites:

Responsible investing

Climate change and net zero

Pensions

Case studies

This episode was recorded in June 2021 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

PRIDE month and LGBT+ finances

PRIDE month and LGBT+ finances

June 7, 2021

For many countries around the world, June marks PRIDE month. In this episode we find out why PRIDE month and the events associated with it are still so important and touching on some of the financial issues and barriers faced by the LGBT+ community.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website.

You can also find lots of helpful information on the following sites:

LGBT Foundation: https://lgbt.foundation

Stonewall: www.stonewall.org.uk

Mind Out: https://mindout.org.uk

Albert Kennedy Trust: https://www.akt.org.uk

 

General information and guidance

This episode was recorded during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

 

Why is protection insurance so important?

Why is protection insurance so important?

May 4, 2021

From life insurance and income protection to critical illness cover, protection insurance can be a great way to help to protect your financial future or that of your loved ones. But how do we work out what cover is right for us? On this episode Andrea Fox speaks to Kara Gammell, award-winning personal finance journalist and founder of money-saving blog ‘Your Best Friend's Guide to Cash’ to find out everything you need to know.

How can you find more information?
Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website.

You can also find lots of helpful information on protection insurance on the following sites:

Life insurance

Income protection insurance

Critical illness cover

General information and guidance

This episode was recorded in March 2021 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

Your guide to mortgages and home buying

Your guide to mortgages and home buying

March 29, 2021

There’s a lot to think about when you buy a property, from mortgages and deposits to homebuying schemes and hidden costs. This month Andrea Fox joins Andy Webb, broadcaster, money expert and founder of personal finance blog Be Clever With Your Cash, to find out everything you need to know.

How can you find more information?
Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information on mortgages and home buying on the following sites:

Preparing to buy

HomeOwners Alliance: hoa.org.uk/advice/guides-for-homeowners/i-am-buying/the-hoa-step-by-step-guide-to-buying-a-home

Money Advice Service: moneyadviceservice.org.uk/en/articles/saving-money-for-a-deposit

GOV.UK: gov.uk/lifetime-isa

Money Advice Service: moneyadviceservice.org.uk/en/articles/how-to-improve-your-credit-rating

Homebuying schemes

Help to Buy: helptobuy.gov.uk/help-to-buy-isa/how-does-it-work

Shared Ownership: helptobuy.gov.uk/shared-ownership

Equity Loans: helptobuy.gov.uk/equity-loan/equity-loans

Mortgages 

Money Advice Service: moneyadviceservice.org.uk/en/categories/mortgages

Other housing costs

Royal London: royallondon.com/about-us/members/understanding-your-finances/your-personal-finances/the-hidden-costs-of-buying-a-house

GOV.UK: gov.uk/stamp-duty-land-tax

This episode was recorded in March 2021 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

Navigating your career as a woman or parent

Navigating your career as a woman or parent

March 8, 2021

In celebration of International Women’s Day, host Andrea Fox joins working parents and comedy duo The Scummy Mummies, also known as Helen Thorn and Ellie Gibson, and Helen Morrissey, a personal finance expert from Royal London. In this episode, we discuss some of the challenges of being a woman in the workplace, as well as the impact of being a parent on your career and finances.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information on some of the topics discussed on the following sites:

Employment and flexible working

Money Advice Service: www.moneyadviceservice.org.uk/en/categories/work-and-redundancy

Citizens Advice: www.citizensadvice.org.uk/work/rights-at-work/flexible-working/flexible-working-what-is-it

Career planning

National Careers Service: nationalcareers.service.gov.uk

Family financial planning

Royal London: www.royallondon.com/media/good-with-your-money-guides/family-financial-planning

Maternity leave and pay

Money Advice Service: www.moneyadviceservice.org.uk/en/articles/maternity-pay-and-leave

Returning to work

Money Advice Service: www.moneyadviceservice.org.uk/en/articles/know-your-rights-when-you-go-back-to-work-after-having-a-baby

Financial support for parents

GOV.UK: www.gov.uk/browse/childcare-parenting/financial-help-children

Turn2us: www.turn2us.org.uk/Benefit-guides/Beginner-s-Guide-to-Benefits/Checking-benefit-entitlement

This episode was recorded in February 2021 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

Protecting yourself against financial scams

Protecting yourself against financial scams

February 8, 2021

Millions of people are affected by financial fraud and scams every year – whether it’s online, over the phone, by post or in person. In this episode, host Andrea Fox speaks to Marilyn Baldwin OBE, founder of Think Jessica, about how we can spot financial scams and protect ourselves from them. Marilyn spent five years trying to help her elderly mother Jessica who fell victim to numerous scammers and set up Think Jessica, an organisation committed to protecting people from financial fraud, shortly after she died.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information on recognising, avoiding and reporting financial scams on the following sites:

General information and support

Think Jessica: www.thinkjessica.com

Take Five: takefive-stopfraud.org.uk

Money Advice Service: www.moneyadviceservice.org.uk/en/categories/scams

Royal London: www.royallondon.com/media/good-with-your-money-guides/avoiding-scams

Preventing postal fraud

Mail Preference Service: www.mpsonline.org.uk

Citizens Advice: www.citizensadvice.org.uk/consumer/post/stop-getting-junk-mail

Preventing telephone fraud

Telephone Preference Service: www.tpsonline.org.uk

Citizens Advice: www.citizensadvice.org.uk/consumer/phone-internet-downloads-or-tv/stop-getting-nuisance-calls-and-texts

Preventing online fraud

Nation Cyber Security Centre: www.ncsc.gov.uk

Reporting a scam

Action Fraud: www.actionfraud.police.uk

This episode was recorded in January 2021 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. Any figures quoted were accurate at the time of recording.

Getting your financial year off to the right start

Getting your financial year off to the right start

January 10, 2021

Whether you’re one for making resolutions or not, the start of a new year is a good time to take stock of your finances. In this episode, host Andrea Fox joins Georgie Frost, award-winning financial journalist and radio presenter, and Josh Widdicombe, comedian, writer and co-host of Channel 4’s The Last Leg, to talk about the impact of the Covid-19 pandemic, self-employment and managing your finances in uncertain times, and how to set and stick to your money goals in the year ahead.

How can you find more information?

Royal London recommends you seek professional independent financial advice before making financial decisions. You can learn more about the value of financial advice on our website, or visit Unbiased to find a trusted professional in your area.

You can also find lots of helpful information on some of the topics discussed in this episode on the following sites:

Saving and budgeting

Money Advice Service: www.moneyadviceservice.org.uk/en/tools/savings-calculator
Citizens Advice: www.citizensadvice.org.uk/debt-and-money/budgeting/budgeting/work-out-your-budget
Royal London: www.royallondon.com/articles-guides/your-money/budgeting

Cutting your bills

Money Advice Service: www.moneyadviceservice.org.uk/en/articles/how-to-save-money-on-household-bills
Energy Saving Trust: energysavingtrust.org.uk/energy-at-home

Paying off debt

StepChange: www.stepchange.org
Citizens Advice: www.citizensadvice.org.uk/debt-and-money/help-with-debt
Royal London: www.royallondon.com/articles-guides/your-money/debt

Managing your finances when you’re self-employed

GOV.UK: www.gov.uk/working-for-yourself
Money Advice Service: www.moneyadviceservice.org.uk/en/categories/self-employment

Coronavirus support

Royal London: www.royallondon.com/coronavirus/your-finances
Money Advice Service: www.moneyadviceservice.org.uk/en/hub/coronavirus-money-guidance

This episode was recorded in December 2020 during the coronavirus outbreak. For the latest information on financial support and benefits, visit gov.uk/coronavirus.

Please note that all topics discussed in this episode can vary depending on your personal circumstances. The value of investments can fall as well as rise and you could get back less then you pay in. Any figures quoted were accurate at the time of recording.

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