100% online radio, across the world

One of the extraordinary sights in nature is starling murmurations — hundreds of thousands of birds in what looks like a co-ordinated dance, but without any central control. It can be seen as a metaphor for humanity: individual freedom means charting your own way through life, but with respect for others. As yet again we face leadership in uncertainty, politicians need to learn that we don't need them to be prescriptive about how people should live, or to run everything on their behalf. Will Andy Burnham respect individual freedom? Time will tell. Background music: 'Floating Home' by Brian Bolger. Image source: YouTube.

On 29 August 2023 our newsletter described the black hole of economics as its failure to recognise the opportunity to use the human life-cycle in order to empower new generations of disadvantaged young people with resources and life skills. Thanks to Cambridge University, we've now taken a major step forward with the Inter-Generational Rebalancing Conference, and it's time to plan the next stage as we move through research, education and advocacy on the journey towards implementation. Background music: 'Saving the World' by Aaron Kenny.

The young owners of over two-thirds of all Child Trust Funds reach adulthood at the end of March 2026, but very large numbers of HMRC-allocated accounts remain unknown and unclaimed, including almost three-quarters of the £1 billion belonging to low-income young adults: the position is particularly acute in the north of England and devolved nations. These are accounts for which HM Treasury/HMRC are the 'settlor', and therefore have a duty to deliver these young adults' birthrights. Background music: 'Waiting' by Andrew Langdon 

It is hard to say what finished off Keir Starmer as PM, says Mike Indian. It was political death by a thousand cuts. But he seemed to be decent and honourable and tried to do his best. Posterity will probably be kinder to him than many current critics are. It now seems certain that Andy Burnham will become Prime Minister and Mike thinks it right that there won't be a distracting leadership contest. Burnham says he will stick to Reeves's fiscal rules which means he will have to show a lot of creative thinking. He is more charming and wittier than Starmer, but will that be enough? His appointment of Chancellor will be crucial. We don't really know what a Burnham premiership will look like. Mike reflects that in the nine years he and Simon Rose have been discussing The Bigger Picture, the world has become a less certain place, politics is now a lot less kind and public trust in institutions and politicians has declined considerably.

Professor Tim Evans says that to understand Donald Trump, you need to know that, in the late 80s and early 90s, he was a close friend of Richard Nixon, who told him that he used the persona of an irrational madman to unsettle others. Indeed, Nixon and his wife urged Trump to enter politics. In terms of policy, Trump is also a devotee of Reagan and William McKinley, an advocate of tariffs in America's interests. The Archbishop of Canterbury is one of the most important constitutional positions in Britain. In an increasingly secular age, the new Archbishop will have a challenging task ahead, but Tim feels that she is the right person for the job. The issue of Net Zero has come to the fore in the midst of an energy crisis like the 1970s. Tim ponders the politics of it, wondering if it could become as divisive as Brexit.

As we approach installation of the seventh prime minister in just ten years Georgie Frost, Simon Lambert and Helen Crane discuss how we are being seen as the political basketcase of Europe, and what it means for your money. There's also fury over reforms to ISAs, and a warning that Rachel Reeves' new tax on investors won't work. Plus, the Bank of England wants your help.

Steve Caplin reports that the Chinese LineShine supercomputer is beating the American El Capitan. A battery-swapping system for electric lorries has a serious flaw. Those streaming the World Cup may see goals 100 seconds behind those following on live TV or radio. An AI law firm has won its first case, for a fraction of the cost of a real solicitor. A Japanese estate agent uploaded a promotional video featuring a woman in a green bodysuit, as he couldn't work out how to edit her out. Some gamers waiting for Grand Theft Audio 6 have been scammed because of their eagerness to experience the game. The Osmo Pocket drone for pro filmmakers is full of features, but only £445. And there's a crowd-funded harness to make walking on country roads safer.

This is an episode created for someone feeling out of their comfort zone after ending a long-term relationship: a situation where anxiety, fear and trepidation are commonplace. It tracks back (regresses) to very different memories as a young adult: oozing with confidence, charisma and freeness. Adam Cox then finds a trigger to harness that mindset for future-pacing into today's circumstances.

James Cameron-Wilson says that, despite the heatwave, box office was up 72%, thanks to #1 ‘Toy Story 5’. Maintaining the franchise's fantastic quality, it is vastly amusing but also perhaps the most moving of the films. With a plot about the damage screens are doing to children, it has a joyful score, new characters and a stellar voice cast. At #12 is ‘Virginia Woolf's Night & Day’, with Haley Bennett an astronomer suffering the social mores of the day. It's a very loose adaptation, with plot, class and language all making it seem more modern. Although kinetic, it feels redundant, despite a great central performance. James wondered why it was made at all. He did, however, enjoy Netflix's ‘Office Romance’ with Jennifer Lopez and Brett Goldstein. Goldstein, famous from Ted Lasso, co-produced and co-wrote this romcom, which is silly and predictable but also an entertaining romp.

For Simon Rose's last discussion with Russ Mould of A J Bell, Russ looks at the tentative bid for FTSE 100 stock Segro, once a warehouse REIT, now moving into data centres. It's the 16th bid for a UK property company in the last four years and yet UK investors don't seem interested in UK commercial property. The 10-year gilt yields 4.7% against a sector yield of 6.3%. Does that premium compensate investors for the risks? Russ wonders why, if REITs believe the sector discount to assets of 25%, they don't buy back their own shares. It would be more positive for the sector than bids, even if those bids show that there are people overseas who think that there is value there.

Are layoffs starting to backfire in Silicon Valley? As Robinhood and Rivian announce job cuts, employees at Meta Platforms are starting to revolt against job cuts and reassignments into jobs they didn’t sign up for. Plus, we discuss Fox buying Roku, SpaceX’s $60 billion acquisition, and play the World Cup of Investing. Travis Hoium, Lou Whiteman, and Emily Flippen discuss Robinhood and Rivian layoffs, and are layoffs backfiring? Also, Fox buys Roku, but why? Plus, SpaceX buys Cursor, the World Cup of Investing, and stocks on our radar. Companies discussed: Petrobras (PBR), Mercado Libre (MELI), ASML (ASML), Spotify (SPOT), Samsung, Tencent (TCEHY), Alphabet (GOOG, GOOGL), NVIDIA (NVDA), Life Time Holdings (LTH), Rivian (RIVN), Meta Platforms (META), Robinhood (HOOD), Roku (ROKU), Fox (FOXA), SpaceX (SPCX). Host — Travis Hoium; Guests — Lou Whiteman and Emily Flippen.

Every time you buy a stock, you tell yourself a story about why it's going to work. But what if that story is the most dangerous thing in your portfolio? And what if the same behavioural blind spots that trip up individual investors are also quietly undermining the companies you're betting on? Motley Fool analyst Rachel Warren talks with Harvard-trained behavioural scientist Julia Dhar, author of 'How Change Really Works', about why 60 to 75 percent of corporate transformations fail, how to spot false alignment in a leadership team, and the simple framework that separates companies worth owning from ones that just sound good on an earnings call. Host — Rachel Warren; Guest — Julia Dhar.

Cycling is becoming more popular across the UK, with more people taking to two wheels in cities like London, Cambridge and Edinburgh — and e-bikes are helping make cycling accessible to even more people. But as e-bike use continues to grow, new research from cycling brand Diamant suggests many of us could benefit from a better understanding of the rules, safety and best practices that come with riding one. Joining Daniel Clewlow to share some practical advice and help us get the most out of e-bikes is Thomas Eichentopf, Brand & Marketing Manager for Diamant.

New research suggests many Brits are confused about what makes a healthy diet, with widespread misconceptions around fibre, sugar and "healthy" food marketing. The findings also reveal that while summer dieting remains common, many people continue to consume high-calorie snacks, sugary drinks and condiments, highlighting the challenge of balancing healthy intentions with everyday eating habits. Joining Rory McGowan to discuss this is Sarah Stannard, Health & Wellness Coach, who can explain some of the common nutrition misconceptions revealed by the research and share practical tips for making healthier choices, enjoying summer treats in moderation, and maintaining a balanced approach to eating.

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.

Reserve your 100% Internet Radio, pre-set with both Share Radio and Share Music channels!

Access over 15,000 more radio stations across the world!

We'll soon be supplying very competitively priced 100% online radios: be one of the first to get one.

Send us your details now.