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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! 

 

When you just need some relaxing background music for reading, writing or entertaining, Share Music complements our speech programmes with a flow of instrumental folk music. However these speech programmes are always at hand via Share Sounds, where there's also an online slide display to highlight some of the best.

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

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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.

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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.

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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.

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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

 

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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

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 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?

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Click link for slides for presentation

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Share Radio has put together a list of our ‘Top 5 Money Saving Apps’ to help our listeners make the most of their money.  All the apps featured here are free to download on either Apple or Android devices. Read more...

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