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There's been much discussion about the social media and NEET challenges for young people over the past week: the Bigger Picture reports on debates in parliament and The Hypnotist reflects on the importance of experience built up during childhood: experience that can be severely handicapped by social media addiction. Meanwhile the steady erosion of a moral compass for young people could result in serious instability for adult generations to come. Background music: 'Don't Look Inside' by Biz Baz Studio

We're getting increasingly used to Donald Trump's bullying tactics; it's time to encourage U.S. tech leaders to persuade him to back off, by applying the same (Greenland-based) level of tariffs on their exports to Europe and the UK. Meanwhile, ID verification should not be used so much to restrict young people from work in the UK as to help them make a good start to adult life in their countries of origin. Background music: 'Dance of the Mammoths' by The Whole Other.

We're looking forward to a significant step forward towards inter-generational rebalancing as a result of Share Alliance's two-day conference in May: the first day focused on academic research and the second on policy options. Please let us know if you're interested by visiting this 'Save the Date' page. This will hopefully be a refreshing contrast to the mix of nostalgia and charisma which seems to be driving so much of politics at present, and which was the subject of an interesting discussion between Amol Rajan 

Professor Tim Evans of Middlesex University says that housing is one of the most important issues in the UK and that young people being unable to get on the housing ladder could have serious social and political consequences. He wondered why, when the Georgian style of homes is the most popular style of architecture with the public, the majority of contemporary houses look so unprepossessing. He is staggered by the level of often contradictory housebuilding regulations, which would not permit the construction of Georgian-style houses. Turning to London, he notes that housebuilding in London has fallen 84% in the last decade and that Sadiq Khan is falling short of his housebuilding target by a massive 90%. Given this, Tim wonders what the Mayor's legacy will be.

Liam O'Byrne of Edison Group says that leading London estate agency Foxtons are at the crossroads of an exciting new chapter. They have set a much more optimistic growth target and are expanding beyond the London area, which could be the precursor to a wider rollout. They have a very rich historical database which is being leveraged with AI to outpace the opposition. He also highlights Baillie Gifford US Growth Trust which tries to identify exceptional businesses, both private and public. They were an early backer of SpaceX which is heading for a potentially record-breaking IPO later this year, yet they're at a discount to net asset value. They focus on disruptive companies which are hard to value but have significant potential upside.

The Government has announced plans for a cap on ground rent — is it a welcome policy that will finally fix a broken system or does it risk creating new problems along the way? Helen Crane, Georgie Frost and Lee Boyce discuss the plans first revealed on TikTok by the Prime Minister, what's potentially changing and when. Watch out — HMRC is about: stamp duty investigations are on the rise — is it all Angela Rayner's fault? And how do buyers find themselves in the crosshairs? 'Metal madness' is still in full swing with gold and silver on a tear up with some huge gains this week, but also some hefty falls. What's going on? NS&I has made some cheeky rate cuts but a cash ISA season seems to have erupted early — where can you find the best rates? And lastly: wood burners. Are they an environmental no-no, or can they help save money on your energy bills?

When people hold back, it can result in frustration over what could have been achieved. A more courageous and decisive stance can result in great opportunities. This episode features a footballer's ambitions which could be lost by hesitancy, but it can be a metaphor for all sorts of situations when you're confronted by that fork in the road: whether to hold back for the cautious route, or give it your best.

Share Radio's tech supremo Steve Caplin wouldn't touch personal AI assistant Clawdot with a bargepole, useful though it might seem However, Just Eat's "personal food concierge" is another matter entirely. There's an app to help identify dinosaur footprints, though Steve has identified a problem with a drone intended for firefighters wanting to check inside burning buildings. Chinese scientists have come up with a tooth powder to keep teeth white and there's a crowdfunded holographic display which can create talking relatives or even pets from a single photo. Beekeepers may get stung less often with a portable harvester while the Chinese are clamouring for stuffed horses with the smile the wrong way up.

For several years, Tesla has been straddling the fence between an electric vehicle manufacturer and its ambition to pursue autonomous driving and humanoid robots. This most recent quarterly report looks like the sign that the company has picked a side. Plus, the ups and downs of Meta’s and Microsoft’s earnings. Tyler Crowe, Matt Frankel, and Jon Quast discuss Tesla’s earnings, Elon Musk’s announcement that Tesla will discontinue production of the Model S and X, Meta’s massive capital spending plan, Microsoft’s future getting closely tied to OpenAI, and stocks on our radar. Companies discussed: TSLA, META, MSFT, GOOG, LUV, AAON, BMI. Host — Tyler Crowe; Guests — Matt Frankel, Jon Quast.

Earnings season is in full swing and we’re here to break down Starbucks and GM, who reported earlier this week. After that, we’ll talk about why silver has skyrocketed in 2026 and what to expect from precious metals in the future. Travis Hoium, Lou Whiteman, and Rachel Warren discuss Starbucks earnings, GM earnings, GM’s autonomy plans and will silver’s run continue? Host — Travis Hoium; Guests — Lou Whiteman, Rachel Warren.

James Cameron-Wilson can't recall another week where the top six UK films are all holdovers, with The Housemaid returning to #1. #9 is the ironically-titled Mercy with Chris Pratt a man who has 90 minutes to convince an AI judge that he didn't kill his wife. Set in real time, it is mechanical but James was drawn in by its moral arguments. #13 is the adaptation of best-seller H is for Hawk with a brilliant Claire Foy and Brendan Gleeson. It is a beautifully-crafted film but doesn't have a strong storyline or conflict. While not bored, James did get impatient at times. On Netflix is the Taiwanese-set Left-Handed Girl, written by Anora's Sean Baker. The tale of a mother and two daughters moving to Taipei is filmed entirely on an iphone. With great performances, this guerilla style of filmmaking gives it an immediacy and the movie is a real gem.

As New Year health trends take shape, a daily spoonful of extra virgin olive oil is gaining attention. Backed by celebrity fans like Gwyneth Paltrow and Beyoncé, and rooted in Mediterranean diets, research suggests it may support digestion, blood sugar, gut health, inflammation and heart health when taken regularly. Joining Rory McGowan to discuss this is Sarah Vachon, oil sommelier and educator, and founder of Citizens of Soil.

Hip and knee replacements are among the most common planned operations in the NHS, yet waiting times continue to rise as demand grows and the population ages. In England, the average wait for a hip replacement is now close to 25 weeks — well beyond the NHS target of 18 weeks — leaving many patients living with chronic pain, reduced mobility and a loss of independence. For some, these delays can lead to worsening joint damage, increased risk of falls and significant emotional strain, forcing difficult decisions about their health and quality of life. Joining Rory McGowan is orthopedic surgeon Dr. Aurimas Širka.

Burns Night is one of Scotland’s best-known traditions, celebrating the life of poet Robert Burns each year on 25th of January.  But new research reveals a striking gap between awareness and action — while most Brits have heard of Burns Night, only a quarter actually celebrate it, and many people, including Scots themselves, are unclear about what it really represents. Joining Rory McGowan to discuss this is Aberfeldy Global Brand Ambassador Matthew Cordiner.

The dust has settled on the Budget but while we now know what Rachel Reeves plans for our finances, many questions remain. The Budget featured a raft of tax rises — but also left out some moves that were widely rumoured to happen. On this special bonus episode, Simon Lambert is joined by Lisa Caplan, of Charles Stanley Direct, to find out what people are asking after the Budget — and the answers to those important questions

The UK Budget speech and the response from Leader of the Opposition Kemi Badenoch. This includes the 'Point of Order' beforehand from Mel Stride regarding the premature release of the OBR report. This is the unabridged record without comment, and the recording runs for one hour and 31 minutes.

Pensions and inheritance are at the forefront of many people's minds ahead of the Budget. In her last Budget, Rachel Reeves announced she will pull pension pots into the inheritance tax net from April 2027. Meanwhile, there are concerns that pension tax-free lump sums and inheritance tax allowances could fall victim to another raid as the Chancellor tries to balance the books again. In this special episode of the This is Money podcast, Simon Lambert is joined by Lisa Caplan, director of Charles Stanley Direct Advice and Guidance. Lisa spends her days helping customers understand how to protect their wealth, make their pension last in retirement and, importantly, enjoy their hard-earned money. She discusses with Simon the questions people are asking right now about pensions and inheritance tax and her answers.

The world is facing a myriad of Gordian Knots at present — problems so intricate and complex that they need new and very different approaches to solve them. In Greek mythology, it was Alexander the Great who chopped the knot rather than struggling to untie it. If you're facing a raft of complex problems, this episode could help you find novel and creative ways to solve them. So, think of the most challenging things in your life and listen in for inspiration. Maybe Donald Trump should seek Adam Cox's guidance for resolving conflicts across the world, or the UN for dealing with climate change — or Governments across western democracies seeking an answer for intractable debt problems? Image: Wikipedia

For the 500th show, Steve Caplin takes a look back at some of the highlights of ten years of Gadgets & Gizmos. He covers sprayable sleep, cows imitating zebras to ward off mosquitoes, crows collecting cigarette butts, NFTs, self-parking slippers, KFC chicken-tasting nail polish, the first human head transplant, the Skunklock noxious bike lock, Refrigerdating, the robot dog flamethrower, ant populated gin and how to make pain relief pills 10 times more effective.

Berkshire’s cash hoard is approaching “Dr. Evil” levels. Tim Beyers and Dylan Lewis discuss Warren Buffett’s message to investors and Berkshire Hathaway shareholders in his annual letter, Berkshire’s growing cash position and what it might say about his view of the investing opportunities out there, and Apple’s $500Bn commitment to its Advanced Manufacturing Fund, AI development, and R&D efforts. Then, 16 minutes in, American's pharmaceutical options for legally treating mental health issues could expand soon. MindMed is testing the effects of LSD on depression and Anxiety, the company’s CEO Rob Barrow talks Ricky Mulvey through his company's work and the future of psychedelics and mental health. Companies discussed: BRK.A, BRK.B, AAPL, MNMD. Host - Dylan Lewis; Guests - Tim Beyers, Rob Barrow, Ricky Mulvey

James Cameron-Wilson reports on box office -13% but still up on 2024, with ‘Wicked’ becoming last year's most successful film with £59.6m. The musical biopic of Bob Dylan, ‘A Complete Unknown’, with Timothy Chalomet and Edward Norton is the new #1. The tedious and unbelievable ‘Wolf Man’ limps in at #7. James found Netflix's spy thriller ‘Back in Action’, the return from retirement of Cameron Diaz, all very silly and over the top, despite some good stunts. The Oscar nominations were coming out during recording, so James gives his first thoughts on who's in and who's out.

Warren Buffett sends us into the season to be thankful with his philanthropic acts and his poignant words, and gives us all a place to start the conversation with family about money. Asit Sharma and Dylan Lewis discuss NBC’s negotiations to extend their rights to broadcast rights to the Macy’s Day Parade, and why holiday live events are turning into an arms race, the expectations for Black Friday through Cyber Monday, and two predictions on the direction of consumer spend and who will be driving it in future years, and Warren Buffett’s plans for passing his wealth on to his family and philanthropic efforts, and the words of wisdom we should all have in mind as we get together with loved ones this week. Companies discussed: CMCSA, M, NFLX, AMZN, BRK.A, BRK.B. Host - Dylan Lewis; Guests - Asit Sharma

The core of the problem with unclaimed, adult-owned Child Trust Funds (of which there are over £2 billion waiting to be claimed) is with accounts opened by HMRC. That's why The Share Foundation has proposed a 'default withdrawal at 21' process, based on the young person's National Insurance number. Danny Kruger MP took part in the CTF conference in Westminster on Tuesday 5th March, and two weeks later in a Westminster Hall CTF debate, and supported this initiative which could release £1/4 billion each year to help these young and predominantly low-income young adults. Background music: 'Waiting' by Andrew Langdon

The debate on 19th March 2024 was hosted by Sir Jeremy Quin MP to call for the need to simplify family access to Child Trust Funds for disabled young people, and a number of MPs contributed to the debate, including Danny Kruger and Ed Davy. The audio record is provided by Parliament Live, and is an unabridged recording of proceedings, without additional comment. Listeners may notice an adjournment for voting in the House of Commons.

Welcome to a special episode of The Financial Outlook: the investment section of the Managing My Money course. What's the difference between saving and investment? It's all in the risk. We talk about shares, bonds and funds, and which perform best over the long term. The Managing My Money course has 16 sections in total, and is presented by Glen Goodman and Annie Weston. You can enjoy the whole course, produced in association with the Open University via Share Radio's home page. Here's the link to the slides for this episode: https://www.shareradio.co.uk/help-guides/managing-my-money/supporting-slides/mmm-week-5-episode-10-supporting-slides/

“The [Child Trust Fund] scheme has been closed to new entrants for over 12 years. In this time HMRC has been focusing resources on evaluating and improving existing schemes. We will continue to keep the need to evaluate old schemes under review.” So said Andrew Griffith MP, Economic Secretary to HM Treasury in reply to a parliamentary question from John Ashworth MP, Shadow Secretary of State for Work and Pensions. But this is not an 'old scheme' — there is currently over £1.7 billion sitting in mature accounts belonging to over 900,000 mainly low-income young adults throughout the UK who don't know anything about their good fortune! Their Child Trust Fund harvest is seeing too little action at present: but it's not too late to get it sorted, and the current focus from the National Audit Office and Public Accounts Committee will certainly help.
Background music: 'Hopeful Freedom' by Asher Fulero

The huge take-up of ChatGPT over recent weeks has brought the challenge of Artificial Intelligence into sharp relief. As the Chief Executive of its creator, OpenAI, said in one of his blogs, 'Artificial Intelligence will bring unimaginable wealth but, unless something changes, most of us will get none of it. We need a radical solution'. Conventional wisdom sees Universal Basic Income as the way through this dilemma, but this will only bring us more state intermediation and human subservience. We can put forward a better solution, by enabling all to share in the wealth that technology brings and to play their part in its future governance.
Background music: 'Digital Solitude' by Silent Partner

Jonathan Davis, editor of the Investment Trusts Handbook, tells Simon Rose what makes investment trusts special and why investors should consider their merits. He explains the differences to other types of funds, including the premium and discount. He discusses the yields on alternative assets (including renewable energy and even music royalties) and how trusts can continue paying dividends even in bad years. The handbook, from Harriman House, is available in hardbook or free as an ebook (https://tinyurl.com/mt69fc24).

It’s the last episode of Answers (but don’t worry, we’re just moving to Motley Fool Money every Tuesday). We’ll reminisce on our biggest lessons learned over the last seven years and answer your questions, some financial, some festive.

The Talk by the WealthiHer Network, every month on Share Radio: this month we are here to talk about the secrets of some of UK leading female businesses leaders and their journeys within launching their businesses. Tamara Gillan is joined by Charlotte Bobroff, the executive director at J.P. Morgan who has been incremental with working with female founders from female high-powered businesses. She recently curated an event surrounding female high-powered businesses and she will be discussing her findings. Also, we have the pleasure of Daina Speddings, who is an investor at BGF and will share her perspective on the investment journey.

Scrooge has made the deal of his life with Chinese investors and must now quickly return to London on Christmas Eve to close the deal. On the flight back, during a fitful sleep, Scrooge confronts his past and present and learns the future consequences of his miserly life to find the true meaning of Christmas. Proscenium Online Theatre is super excited to be bringing you a whole new season of audio dramas in 2022. Starting off with 'The Girl in the Yellow Dress', a dark romance by South African playwright Craig Higginson, and 'Plunder', an original Hong Kong based thriller by American playwright Alan Olejniczak. In the meantime - sit back, close your eyes and enjoy the Proscenium Online Theatre’s production of 'A Christmas Carol'.

https://www.prosceniumonlinetheatre.com

Join the Sustain:Social panel session on December '21, considering the outlook for investors in the wake of the COP26 in Glasgow. The panel comprises of - Chair: Rodney Hobson Panel: Gervais Williams (Premier Miton Group); Jamie Broderick (Impact Investing Institute); Mohan Gundu (Sustainable Funds Group); Mike Appleby (Liontrust Sustainable Investment team); Gavin Oldham (The Share Foundation / Share Radio).

Food banks are providing a vital role to help people this winter, and the Trussell Trust supports more than 1,200 throughout the United Kingdom. In this special episode of The Bigger Picture, their Chief Executive Emma Revie briefs supporters about their progress, and their plans for the future. If you would like to support the extraordinary work undertaken by this charity, please visit https://trusselltrust.org

Imagine a world in which everyone has a stake in the great tech firms that serve them each day, and where dividends are gradually replacing wages to provide regular income for everyone, as work becomes scarcer as a result of automation? Imagine a world where every young person not only has a small inheritance with which to start their adult life, but also the opportunity to build its value by learning life skills? Simon Rose is taking a well-earned break this week, so we’re taking the opportunity to bring you a talk given Gavin Oldham in August to the leading City of London think-tank Z/Yen.

Click link for slides for presentation

Every child in the UK born between 1 Sept 2002 and 2 Jan 2011 has a Child Trust Fund (CTF). But one child in six has lost contact with the money. Gavin Oldham, Chairman of The Share Foundation – which runs the Junior ISA & Child Trust Fund schemes for children in care for the Department for Education - is trying to re-connect them. He talks through the CTF, how to track an account down, and what a child can and can’t do with the money.

In a new partnership with publishers Harriman House, Share Radio has produced its first audiobook 'Superinvestors', written by Matthew Partridge and read by some of Share Radio's best known presenters. 'Superinvestors' lays bare the investing secrets of legendary investors - from early 20th-century figures such as Benjamin Graham and John Maynard Keynes, through to more modern names such as Anthony Bolton and Warren Buffett.

How you can help young people in care prepare for adult life by supporting The Share Foundation’s ‘Stepladder of Achievement’ programme.

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