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A highly developed values system is like a compass. It serves as a guide to point you in the right direction when you are lost.”

author Idowu Koyenikan

… or, to paraphrase a quotation from 'The Electrical Life of Louis Wain': ‘we are all prisms through which the beam of life refracts: so let's share these value systems with as many people as we can’.

Welcome to our 250th commentary, produced over these last five years since Share Radio moved to 100% online broadcasting. It's been a period of massive change and increasing clarity on what we need to do to sort out the problems of the world, and we hope these thoughts are making some contribution in that respect.

To mark this staging point it might be helpful to set out some of the guiding principles which have steered, and will continue to steer, our comment: on politics (including Brexit), business and economics (including egalitarian capitalism), empowering young people, and the spiritual dimension.

There is much less objectivity than you'd expect to find on the BBC (whether you do receive it or not on their channels is a different matter). I have never understood why UK commercial DAB broadcasters are chained to political neutrality by Ofcom when newspapers are allowed to say what they like (as long as it's decent, honest and truthful — but it's not always that!).

So please READ ON .. for an overview of what underpins our comment here at Share Radio.


We've published 250 of these weekly commentaries covering a wide range of issues, and you can find links here to the full list over the past five years.





Finance at all levels — personal, investment, business and in the public sector — is at the fore of our wide range of programmes this week, including two episodes of This Is Money on interest and mortgages, The Financial Outlook on bear markets, Motley Fool Money with perspectives on opportunities in the United States, and The Bigger Picture commenting on the rail strikes. There four Modern Mindsets, two on health matters and the others on wine and bingo, and The Hypnotist helps us to steer away from internally-generated trauma and anxiety. Plus, there are our regular reviews of movies and gadgets  — and please don’t forget to check out and re-tweet our podcast promotion clip for Gadgets & Gizmos!





Please scroll down this home page for links to these programmes. Also, for those who prefer listening on Apple, Spotify or Amazon, try searching for our podcasts under ‘Hrkn’ – a quick way to find us! 


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Information on tracks played is shown both on the 'Listen Live' tab and on our mobile app: but please note one of our latest additions: 'Resonant Futures' by The Imaginaries.

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In partnership with publishers Harriman House, Share Radio has produced the audiobook 'Superinvestors', written by Matthew Partridge and read by some of Share Radio's best known presenters: Simon Rose, Fenella Fudge, Glen Thompsett, Ed Bowsher and accomplished actor David Ricardo Pearce, whose ancestor is featured in the book.

Order your audiobook download of Superinvestors 

Welcome to Gavin Oldham's full presentation describing his vision for egalitarian capitalism.

The main set of proposals are as follows:

Egalitarian Capitalism is an alternative to socialism which, while fostering and encouraging enterprise for all, acts to involve and empower people right across society and especially the young. 

Six key steps of egalitarian capitalism

  1. A proper programme of financial education to help people from all walks of life to build a personal store of freely disposable assets.
  2. Setting the conditions for disinter-mediation, in particular reducing the extent of parasitic inter-mediation which separates people from a sense of ownership and control.
  3. Direct share ownership: drawing together employee, consumer and share-owner, providing much improved corporate governance so that individual share-owners can participate fully in the companies in which they have chosen to invest.
  4. Calls for risk to be properly recognised when setting taxation on reward. This means encouraging innovation and continuing to recognise the risks taken by self-employed people.
  5. Addresses inter-generational equity, introducing a programme of incentivised financial learning for the disadvantaged young, fuelled from inheritance tax receipts, to enable them to achieve their full potential in adult life.
  6. Tackles one of the most difficult issues for democratic capitalism: universal benefits. It proposes a new voluntary approach for higher taxpayers to make discretionary payments for using universal, state-run services.
Thought for the Week: Guiding Principles for our first 250

Welcome to our 250th commentary, produced over these last five years since Share Radio moved to 100% online broadcasting. It's been a period of massive change and increasing clarity on what we need to do to sort out the problems of the world, and we hope these thoughts are making some contribution in that respect. To mark this staging point we thought it might be helpful to set out some of the guiding principles which have steered, and will continue to steer, our comment.For our full list of commentaries, please visit https://www.shareradio.co.uk/thinkingaloud/newsletters/

Background music: Hovering Thoughts by Spence

The Financial Outlook for Personal Investors: The three phases of bear markets
With even commodities now being dragged down by recession worries and fears of demand destruction, Russ Mould looks at the three phases of bear markets. He believes we might be about to enter the second phase but that we are still some way off the worst. Investors should concentrate on the preservation of capital, avoiding undue risk and perhaps shedding investments they aren't too confident about.
This Is Money: Is scrapping a mortgage stress test a wise move right now?

A mortgage stress test designed to stop borrowers overstretching themselves will be scrapped, it was revealed this week. The mortgage industry has long bemoaned this supposedly unrealistic test that makes lenders check if borrowers can afford their repayments at a level higher than the fix or tracker deal they may be taking, their lender's standard variable rate plus 3%. Yet, isn't a bit of an odd time to finally get rid of this, just as interest rates are finally rising and the base rate has jumped from 0.1% to 1.25% in six months? What's more, it's forecast by some to keep rising and go as high as 3% by the end of the year: meaning almost that entire 3% rise which the stress test uses. Georgie Frost, Simon Lambert and Lee Boyce discuss why the Bank of England is doing this and whether it is the right move, or could lead to risky lending and even higher house prices? Also, the team discuss inflation and how to (at least) try to do something to combat it with your savings - and also, why investors are finding it so hard to buy the dip and be greedy when others are fearful in the inflation storm. The renewed fervour for offering bumper deals on current accounts also goes under the microscope, but is a bung to join, an interest rate on your balance, or the ability to categorise your spending the best readon to switch? And finally, you live in an end of terrace house, someone wants to build next door using your wall and making your home a mid-terrace: surely that couldn't be allowed? Or would it? Listen to the end to find out.

The Bigger Picture: Rail strikes, inflation & interest rates and the Government's Rwanda policy

Mike Indian looks at this week's rail strikes, marvelling both at the Government's lack of engagement and Labour's silence on the issue. With inflation hitting a 40-year-high, he considers what policy responses are available as the prospects of stagflation loom every larger. And he looks at the Government's Rwanda policy and the proposed British Bill of Rights.

Gadgets & Gizmos: AR glasses, spray food wrap, bionic robo-fish and roads paved with nappies

Steve Caplin, Share Radio's tech guru, discusses the first mainstream AR glasses, though he's less than impressed. He also tells of environmentally-kind spray food wrap, bionic robo-fish collecting microplastics and a worm called Zophobas Morio that eats plastic. In addition, disposable nappies are being trialled as a road surface, there's a coaxial octacopter for beating jams, a cycle brake light and smart implants to deliver medicines.

Business of Film: Lightyear, Hustle & Spiderhead

James Cameron-Wilson looks at the UK box office, still dominated by Jurassic World Dominion and Top Gun Maverick. Pixar's Lightyear enters at #3 but with only £13.3m. James found it enjoyable but over-familiar. Emma Thompson in Good Luck To You Leo Grande arrives at #4. James also reviews the Adam Sandler basketball movie Hustle on Netflix, surprising himself by enjoying it, though he was less impressed by Spiderhead with Chris Hemsworth and Miles Teller.

Motley Fool Money: Time to Buy Zoom Video? (23/6)

Most restaurant businesses operate in a single category, but not Darden Restaurants. Jason Moser discusses Olive Garden driving the bulk of revenue, a comeback by Darden's fine dining segment, capital decisions that we like (dividend increase!) and don't like (share buyback plan), and Rite Aid's stock pop and raised guidance still not being enough to get us interested in buying shares. Plus, at 14:41 minutes in and with shares down nearly 70% over the past year, is Zoom Video a screaming buy or past its prime? Jason Hall and Ryan Henderson debate bull vs. bear! Stocks discussed - DRI, RAD, CVS, WBA, ZM, MSFT; Host - Chris Hill; Guests - Jason Moser, Jason Hall, Ryan Henderson


Motley Fool Money: Investing Opportunities in Transforming Office Space (18/6)

We’ve got a lot of space. And a whole lot of it is unused in office buildings, city centers, and shopping malls. We also need a lot of space for multifamily housing, data centers, and warehouses. Is there some opportunity in the middle for investors? Deidre Woollard and Matt Argersinger discuss the complexities in transforming an office building into apartments, commercial real estate trends catching their attention, and ideas for investors who like dividends. Stocks/REITs mentioned - BX, AMZN, HHC, PLD, SRG, STAG, DRE, ARE, MAA, VICI, EPR; Host - Deidre Woollard; Guest - Matt Argersinger

 This Is Money: How will rapidly rising interest rates affect you?

Base rate has gone from 0.1% to 1.25% in the space of six months, in a flurry of rate rising that would have been considered unthinkable a year ago. Yet, as the Bank of England delivered another 0.25% raise, voices were raised in some corners to demand why it hadn't gone further. Why not a 0.5% jump or even a 0.75% one, as the Fed had delivered in the US? With inflation running at 9% and expected to head north into double digits, the onus is on the Bank of England to show it has a grip and we aren't heading back to the 1970s. But is rapidly raising rates the right thing to do and how will it affect savers, borrowers and investors? Georgie Frost, Lee Boyce and Simon Lambert discuss the case for and against rate rises and what the impact is for the economy and people. Mortgage rates have risen even faster than the base rate, so what can those who need to remortgage do - and will this sink house prices? The team assess the prospects for the property market and offer their tips on what borrowers should do to prepare and protect themselves. Meanwhile, over in the US, it's the stock market that's suffering as rates rise. Why is that, and how bad could this bear market be? And finally, petrol prices keep hitting record highs and we want people to switch to electric cars but the Government has swiped away the £1,500 grant that helps people buy more affordable models. Will that make a difference, or has electric car demand reached a level where ditching a bung to help out is wise?

The Hypnotist: Leaves on a Stream
Trauma and anxiety can often be linked to a few recurring thoughts, particularly those that arise from within. They can be a struggle to fight — the more you try to suppress them, the worse they become. This episode uses a metaphor to help you detach yourself from these thoughts, using an acknowledged technique called 'Acceptance and Commitment Therapy' (ACT) in order to help minimise such intrusive/unpleasant thoughts.
Modern Mindset: James Lambert for English Wine Week 2022

Adam Cox is joined by James Lambert, MD of Lyme Bay Winery, for English Wine Week to discuss new research revealing the top 5 different types of wine drinkers. They look at how the English wine industry is doing, and also what to look out for in a bottle of wine this summer. www.lymebaywinery.co.uk

Modern Mindset: Charles Ellis on Benign Prostatic Enlargement

Adam Cox is joined by Charles Ellis, Benign Prostatic Enlargement (BPH) sufferer, to discuss the condition and the effects it can have on sufferers. He explains how BPH has impacted his daily life, and also talks about Water Vapour Therapy and how it is used to treat BPH. www.bostonscientific.com

Modern Mindset: Rick Thompson on Rare Diseases Communities and Patient Groups

Adam Cox is joined by Rick Thompson, CEO of rare disease charity Beacon, to discuss the challenges of living with a rare disease and why patient groups are so important. He explains how Beacon are helping those with a rare disease and the actions the charity are calling for. www.rarebeacon.org

Modern Mindset: Donna Kunyo and Miles Baron for National Bingo Day

Adam Cox is joined by Donna Kunyo, National Bingo Caller of the Year, and Miles Baron, Chief Executive of The Bingo Association, for National Bingo Day to discuss why Bingo is still so popular in the UK. Donna explains what made her fall in love with Bingo and how she became a Bingo caller, and Miles explains what's going on across the UK for the day and the future of the game. www.bingo-association.co.uk

The Financial Outlook for Personal Investors: The case for investment trusts

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).

Motley Fool Answers: So Long, and Thanks for All the STOCKS!

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 Financial Outlook for Personal Investors: Why investing in shares needs a much higher profile on TV and Radio
Lord John Lee has become a champion for people investing in the stock market over recent years: he's written three books on investing, he's a patron of ShareSoc, the society for individual shareholders in the United Kingdom, and he's now challenging Government, broadcasters and regulators to encourage a much higher profile for investing in shares on TV and radio. Gavin Oldham meets with John to discuss the background to his initiative and his proposals for change; and they go on to consider how customer share ownership can be expanded, how to encourage more active participation in shareholder voting, and how to improve financial education.
The Talk by The WealthiHer Network: Female high-powered businesses

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.

Share Drama: A Christmas Carol - the beloved classic, retold!

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'.


Gavin Oldham Capital Economics UK economy Brexit
Professor Tim Evans of Middlesex University discusses with Simon Rose the ideas behind Egalitarian Capitalism as espoused by Gavin Oldham OBE, amongst other things the founder of Share Radio. He's keen to see a world with inter-generational rebalancing, where everyone has a disintermediated stake in capitalism (for more, see tinyurl.com/mrhzcb27). Tim also asks if Boris Johnson is still a lucky general or are his days numbered?
Investor Conferences: Panel Sesson - Sustainable & Social Investing in a Post-Covid World

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).

The Bigger Picture: Trussell Trust, helping UK food banks rise to the challenge

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

The Financial Outlook for Personal Investors: the unabridged Budget speech

If you missed Chancellor Rishi Sunak delivering his speech on 27 October, here's your chance to hear it. Plus, read our commentary on Monday 1 November for Share Radio's perspective, including our assessment of the contrast with the mid-70s, when public borrowing last hit stratospheric levels.

The Bigger Picture: A World of Individual Opportunity - the Vision of Egalitarian Capitalism

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

Sharefound: Good News for 16-18 year-olds in Wales!

On 31 August '21 The Share Foundation hosted a virtual event for young people in Wales, to help them find money that the government put away in a Child Trust Fund for when they reached 18. All young people born in the UK from 1st September 2002 should have one of these accounts, but huge numbers don't know anything about them! With Welsh-speaking help from Jac, this audio podcast of the virtual event tells you all about your good fortune, and invites you to register at https://findCTF.sharefound.org so that Sharefound can help link you with your money. Please share! And if you want to join a virtual event yourself, please visit https://www.sharefound.org/ctf-virtual-events and register for your choice of date: they're taking place each fortnight.

 Economist Questions: A ‘Good’ and ‘Efficient’ Workplace: Tricky Balancing Act?
Research into workplace productivity and management practice is often focused on the links between ‘Good’ and ‘Efficient’ practices. ‘Good’ covers employee-friendly policies; for instance, those providing opportunities for better Work Life Balance. In contrast, ‘Efficient’ practice includes the use of KPIs, setting clear performance expectations and tackling underperformance where it is identified. In this episode Peter Urwin and Professor Richard Saundry discuss this, drawing on their own understanding as researchers and experiences as line managers. The operational reality is that managers hold a position between the interests of their organisation and those who work for them – how do they balance the (often competing) need to create both efficient and good workplaces?
VIDEO: Tracking down £1bn of missing Child Trust Fund cash

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.

The Share Foundation

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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