インフレーション is 刻々と making its way 支援する に向かって the Bank of England's 2 per cent 的 but opinions are divided on what happens next. Will the UK economy get stuck in another disinflationary 罠（にかける）, or will we see another spike as second 一連の会議、交渉／完成する 影響s take 持つ／拘留する? 加える, food prices, Woodford's return, new Isa 支配するs and supermarket 捕らえる、獲得する 告発（する），告訴（する）／料金s.

What does the 未来 持つ／拘留する for 明言する／公表する 年金? While there's plenty of 憶測 it may become means 実験（する）d, in reality it could be incredibly hard to 器具／実施する. This week, Tanya Jefferies, Georgie 霜, Helen Crane and 物陰／風下 Boyce talk 明言する／公表する 年金s - and how they compare to other countries.

On this week's This is Money podcast, Helen Crane, 物陰／風下 Boyce and Georgie 霜 talk 貯金, just as we 長，率いる into a new 財政上の year, 含むing keep on 最高の，を越す of 直す／買収する，八百長をするs, secrets from an Isa millionaire and the new British 貯金 社債 from NS&I.

Hot on the heels of the 予算 計画（する） that never appeared arrives Yorkshire Building Society's new 取引，協定, that's been dubbed a 99 per cent mortgage. But is it really one of those and does it have any redeeming features?And if it's cheaper than rent, is there anything wrong with taking a 99 per cent mortgage? 加える, gift card draining scammers, can your 年金 last 退職, and finally, where are the 専門家s 投資するing their Isa and how can you easily sort yours?

With another 税金 （警察の）手入れ，急襲 on the way for 投資家s on 資本／首都 伸び（る）s and （株主への）配当s, this is one of the most important 税金 year ends in years. On this special 特別手当 episode of the This is Money podcast, Simon Lambert 会談 to 略奪する Morgan, of Charles Stanley Direct, to find out what 投資家s need to do and why sorting your 年金 and Isa can save you a 相当な 量 in 税金.

Will インフレーション keep coming 支援する 負かす／撃墜する に向かって 的 and the Bank of England soon seamlessly switch 支援する to cutting 率s? Or will central 銀行業者s be keen to 持つ／拘留する の上に higher 率s, even if we get 攻撃する，衝突する by a 一区切り／（ボクシングなどの）試合 of disinflation? 加える, did Waspi women 得点する／非難する／２０ a victory, an update on underpaid 明言する／公表する 年金s, the 大混乱 at HMRC and 会合，会う the Scambaiters.

Jeremy 追跡（する） bounced around 配達するing his 予算 proudly 宣言するing his かかわり合い to 税金 削減（する）s and supporting working families. But you don't need to be a 財政上の 専門家 to know that the （ドイツなどの）首相／（大学の）学長's 見解／翻訳／版 of events isn't やめる the whole story. On this week's 予算 special This is Money podcast, Georgie 霜, 物陰／風下 Boyce and Simon Lambert look at the 勝利者s and losers and go searching for the devils in the 詳細（に述べる）.

The debacle over 普及した errors in the 明言する／公表する 年金 that This is Money and Sir Steve Webb 暴露するd, continues. This week, Tanya Jefferies, 物陰／風下 Boyce, Angharad Carrick and Georgie 霜 明らかにする／漏らす the 事例／患者 where a letter was sent to the daughter of an 100 year-old man three years after he passed away, 明言する／公表するing he had been 未払いの 明言する／公表する 年金 for two １０年間s.

With the 予算 tipped to be the （ドイツなどの）首相／（大学の）学長's last roll of the dice before a General 選挙, 期待s over 税金 削減（する）s are growing. But what 税金s could Jeremy 追跡（する） choose to 削減（する） and why - and is there hope that he will sort out the 税金 mess that Britain has got stuck in? The This is Money podcast looks at what could happen in the 予算, 加える energy 法案s, student 貸付金s, and the new scams you need to beware.

Is this a bad one, why does the 称する，呼ぶ／期間／用語 'technical 後退，不況' keep 存在 bandied about and do these backward-looking 人物／姿／数字s mask things already getting better? 加える, who are the villains の中で big banks and building societies when it comes to sky-high 基準 variable 率s, , the 顧客 turned 負かす／撃墜する for a switching 特別手当 by HSBC because they had a Midland account 21 years ago and 運動ing an electric car 取引.

The cost of a comfortable 退職 has jumped over the past year - but what do you need to get one and will you get there? As the 年金 and Lifetime 貯金 協会 updates its 年次の look at how much income people need for a basic, 穏健な or comfortable 退職, Georgie 霜, 物陰／風下 Boyce and Simon Lambert take a look at what this all means for you. 加える, why we should get rid of stamp 義務, 税金 罠（にかける）s and an interview with easyJet 創立者 Sir Stelios.

This week, we discuss what another 利益／興味 率 pause means for you - and what it means for 貯金 and mortgage 率s, along with 投資家s.

Britain's 使い捨てできる income has dropped 大幅に over the past 14 years compared to where it should be, によれば a 報告（する）／憶測 this week. The Centre for Cities said that the 普通の／平均（する） 世帯's 使い捨てできる income has fallen £10,000 behind where it would have been if pre-2010 growth 率s had been 持続するd.

The 政府 wants us to get heat pumps fitted in our homes and it's 申し込む／申し出ing a 認める to so - but is it a wise move? Now Worcester Bosch is bumping that up by an extra £2,500 - if you 選ぶ one of theirs of course. But with the 装置s cost between £8,000 to £30,000 to buy and fit, would it tempt you? Georgie 霜, Helen Crane and 物陰／風下 Boyce 明らかにする／漏らす all... and talk the 'boiler 税金'.

After a good year for 賞与金 社債s when the only way was up for the prize 基金 率, savers got a blow this week as a 削減（する） arrived. That 辛勝する／優位s the 普通の／平均（する） return - which you may or may not get - from 賞与金 社債s その上の below the best 貯金 取引，協定s, so should you save instead? Or would many 賞与金 社債 支えるもの／所有者s be better off 投資するing? We discuss that, 加える bitcoin ETFs, car 保険 and the no and low-alcohol beer にわか景気.

New HMRC 報告（する）／憶測ing 支配するs have panicked online 販売人s this week - but should they really be worried? 加える, a sub-4% mortgage 率 and our 財政上の 決意／決議s.

The Footsie just managed to keep its 長，率いる above water in 2023 - but across the 大西洋 株式市場 returns were sparkling. We look 支援する at 株, 社債s, gold and other 投資s this year and with 専門家s getting their 水晶 balls out, run the 支配する over the 予測（する）s for 2024. Can the Magnificent Seven keep 配達するing, will the 社債 market manage to have a quieter year, and could this finally be the time for UK 株?

The Bank of England has reached the 頂点（に達する） with 利益／興味 率s in this cycle. That's the 会社／堅い 見解（をとる） of the markets and most 分析家s, にもかかわらず three members of the nine-strong 通貨の 政策 委員会 同意しないing and 投票（する）ing for a 率 引き上げ（る） this week. The team look at what next for 利益／興味 率s both here and in the US - and whether markets are running away with themselves. 加える, heating vs heaters, the ３倍になる-lock and kettle boiling.

It's been a rollercoaster year for mortgage 率s and after the インフレーション panic spike over summer, 貸す人s have been 削除するing costs for borrowers. The best mortgage 率s are now 落ちるing に向かって 4%, 反して not so many months ago they were rising に向かって 6% - and many 取引，協定s climbed above that. So is the mortgage 危機 over and how much その上の will 率s 落ちる?

After the CMA 解雇する／砲火／射撃d a broadside at 消費者 brands 巨大（な）s for 'greedflation' and 警告するd Tesco and Sainsbury's over Clubcard and Nectar Prices, the podcast team 長，率いる 負かす／撃墜する the shops. 加える, will a new online 詐欺 借り切る／憲章 make any difference? The team discuss 投資するing legend Charlie Munger and 財政上の 危機 （ドイツなどの）首相／（大学の）学長 Alistair Darling, who both died this week. And finally, what makes a house price hotspot? We look at the UK's 最高の，を越す 30 this year.

Was that an Autumn 声明 to 解雇する／砲火／射撃 Britain on to growth, as the （ドイツなどの）首相／（大学の）学長 （人命などを）奪う，主張するd, or a damp squib? The podcast team dive into the 詳細（に述べる）s to 明らかにする／漏らす what the Autumn 声明 means for you and the economy. From the Office of 予算 責任／義務 予測（する）s, to 存在 許すd 多重の Isas and the seemingly mad 計画（する） of 許すing family homes to be easily 変えるd to flats, we take the 手段 of Jeremy 追跡（する）'s 計画（する）s.

The Autumn 声明 arrives next week and the rumour mill has gone into overdrive. The idea of it 存在 a simple update on the economy seems to have been abandoned and instead there is talk of an Isa 精密検査する, 税金 changes, and even 相続物件 税金 存在 削減（する） from 40 per cent to 20 per cent. The This is Money podcast team look at what could be on the cards as Jeremy 追跡（する） stands up and 配達するs his Autumn 声明.

We all know 年金s are important but most of us rarely engage with them. Yet, with a little bit of time and 成果／努力, you can get your work 年金 working as hard as possible for you - and at some point in the 未来 you will be very glad you did so. We talk 年金s, 加える what happens if you get stuck in a mortgage with your ex, why is 物陰／風下 so annoyed at a sneaky 保険 税金 that 速く 追加するs up and can M&S's sales and 株 price resurgence continue?

Are we finally there? When does a pause become a 頂点（に達する）? And if we have reached the 最高の，を越す of the 利益／興味 率 cycle, what happens next? We look at the 決定／判定勝ち（する） to 持つ／拘留する 率s again and what it means for savers, mortgage borrowers and 投資家s. 加える, Crane on the 事例／患者 vs TfL, high-飛行機で行くing 投資 信用s going cheap and finally, what have the 賞与金 社債s and a pop 質問（する） on number one 攻撃する，衝突するs in 2000 and 2008 got to do with each other?

給料 are up, but インフレーション is… the same. What does it all mean for mortgage 率s, the 明言する／公表する 年金, 利益s and the economy 一般に? One thing we know won't be 影響する／感情d by the 最新の 人物／姿／数字 is 所得税 禁止（する）d. Just how much is the big 凍結する - AKA 会計の drag - going to cost us?

Will there be a big house price 落ちる, a pause before a 総選挙 next year, or will the 所有物／資産／財産 market 回復する as mortgage 率s come 負かす／撃墜する? The podcast team discuss what's next for mortgages, house prices and the 所有物／資産／財産 market. 加える, why are 投資家s buying low-産する／生じる gilts, how to save for 退職 and the sneaky supermarket tricks we have had enough of.

This week, Angharad Carrick, Georgie 霜, 物陰／風下 Boyce and Helen Crane 取り組む energy 法案s and look at who might be 支払う／賃金ing more in the next three months. And when it comes to water 法案s, some 会社／堅いs are looking at whacking 44% rises over the next seven years. Why?

It's been called the most hated 税金 in Britain - but only four per cent of people 支払う／賃金 it. You could be forgiven for thinking 相続物件 税金 is something only the 最高の-rich need to worry about. But thanks to rising house prices and an 増加するing 願望（する） to 移転 wealth between 世代s, more and more people are 存在 drawn into the 逮捕する. So it might come as welcome news that Rishi Sunak is 報告（する）／憶測d to be considering cutting the 税金, or even scrapping it altogether, as a 可能性のある 投票（する）-勝利者 ahead of the next 選挙. What's wrong with 相続物件 税金, how could it be made fairer - and could the 政府 really just get rid of it? Simon Lambert, Helen Crane and Georgie 霜 discuss.

It's expensive and paid for by 現在の 労働者s, but the ３倍になる lock has 改善するd the 明言する／公表する 年金 - and one day those 労働者s should get that payout themselves. Yet, has it run its course and is it time for a better 政策? 加える, the Facebook Marketplace wild west, 消えるing 貯金 取引，協定s, and what to do if you have 見解（をとる）d 40 homes for sale but can't （不足などを）補う your mind.

Every child could receive a マリファナ of £1,000 at birth to be channelled into long-称する，呼ぶ／期間／用語 投資s in UK growth under 提案s to 生き返らせる a '沈滞した' economy. This week, 物陰／風下 Boyce, Simon Lambert and Georgie 霜 discuss the 長所s of the idea - and why parents should start building a マリファナ for children as 早期に as possible. 加える, a trio of 広大な／多数の／重要な 貯金 取引，協定s, are 利益／興味 率s 頂点（に達する）ing, how far will house prices 落ちる and why are used electric car values dropping like a 石／投石する?

によれば new 研究, if you want a comfortable 退職, you need to build a マリファナ of nearly £600,000. This week, Tanya Jefferies, Georgie 霜, 物陰／風下 Boyce and Helen Crane delve into 年金s, as separate 研究 shows more than half of people saving into one believe they will never put away enough to stop working when they get older.

Many people may be feeling in a 明言する／公表する of 財政上の flux. 貯金 率s have 改善するd, gold is 持つ／拘留するing 安定した, 所有物／資産／財産 prices are flat-lining and 在庫／株s are sticky. Where would you put your money for the next five years? That's the question the This is Money team put to the 専門家s - and our readers - with a mixed 返答.

The インフレーション spike took central banks, 政府s and many ordinary people by surprise but Britain's cost of living problem has 証明するd more stubborn that most. The 最新の 始める，決める of 公式の／役人 人物／姿／数字s on 消費者 prices 索引 インフレーション seem to show that the UK may be making some 前進 on getting it 負かす／撃墜する. The podcast team dig into the インフレーション data and look at why 経済学者s decide that real 行う growth was something to worry about.

After months of mortgage mayhem some better news finally arrived this week with major 貸す人s 配達するing a slew of hefty 率 削減（する）s. 削減（する）s are the silver lining to a very dark cloud as mortgage 率s are far higher than they have been. We look at what next, 加える 賞与金 社債s, good 顧客 service and 運送／保菌者 捕らえる、獲得するs.

This week, the team talk through 顧客 service 支配するs with HMRC and what a retired 裁判官 learned while 事実上の／代理 as executor for his beloved late aunt. Base 率 is now 5.25%, so what does that mean for mortgages and 貯金 - and why do people want plastic lawn banned?

Energy 会社／堅いs have had their feet held to the 解雇する／砲火／射撃 this week. The 産業 as a whole has been 爆破d by the regulator Ofgem over poor 顧客 service, while our 調査 明らかにする／漏らすd that 200 顧客s don't think Ovo has been 法案ing them 適切に. 物陰／風下 Boyce, Helen Crane and Georgie 霜 ask why things are going so wrong, and what people can do if they don't think they are 存在 法案d 正確に.

Earlier in the week, the 消費者 prices 索引 手段 of インフレーション fell by more than 推定する／予想するd thanks to a 落ちる in 輸送（する） and food prices. So what does that mean for the typical 世帯 and for 可能性のある 未来 base 率 rises? 物陰／風下 Boyce, Sam Barker and Georgie 霜 delve into 消費者物価指数 and what that means for mortgages and savers.

Banks have come into the 解雇する／砲火／射撃ing line this week over 経常収支 終結s and slowness to pass on base 率 rises to savers. Nigel Farage （人命などを）奪う，主張するs his bank shut his 経常収支 over his Brexit 見解（をとる）s - the former 政治家，政治屋 has been 声の on Twitter about his 治療 by Coutts, while the 排除的 bank with a high 逮捕する wealth clientele has 解雇する／砲火／射撃d 支援する. So, can banks realistically do that to you? Georgie 霜, Simon Lambert and 物陰／風下 Boyce tell you all the 推論する／理由s your bank can の近くに your 現在の - and what to do if it happen to you.

There has been plenty of doom and gloom in 最近の months - and today, we go searching for cheerier news. The energy price cap will 落ちる from the 週末, 急落（する），激減（する）ing to £2,074 - below the £2,500 始める，決める Energy Price 保証（人） from the 政府. So, what should you be doing to 準備する - and what does that mean for your usage? Will we soon see the return of 直す／買収する，八百長をするd 関税s? This week Georgie 霜, Helen Crane and 物陰／風下 Boyce discuss the new price cap, along with a sneaky move from a major energy 供給者 to stop 年４回の 法案ing.

The Bank of England's bumper 0.5 per cent 率 引き上げ（る） this week was the 13th rise in a 列／漕ぐ／騒動. The Bank is 引き上げ（る）ing 率s to try to 鎮圧する インフレーション but at the same time this 影響する／感情s a much smaller slice of homeowners than it once did and 早い rise in mortgage costs is 鎮圧するing a 世代 of homeowners. So, was another 率 rise a wise move? How bad is the 苦痛 for borrowers? Is this not a patch on the 80s, or just as bad? Has the Bank of England even given its 率 rises long enough to 施行される?

The mortgage market is in 大混乱, with 貸す人s pulling 取引，協定s and 速く 引き上げ（る）ing 率s. At the same time 貯金 率s are going gangbusters and there is barely a day that passes without a new best buy. The podcast team dive in and try to explain why the sudden インフレーション-driven 大混乱 has kicked off and what borrowers and savers can do.

支持者s say UBI has the 力／強力にする to 改善する the economy and society, but critics say it's the start of a slippery slope to 明言する／公表する dependency. So is 全世界の／万国共通の basic income a good or bad idea? Georgie 霜, 物陰／風下 Boyce and Simon Lambert discuss it on this podcast episode. 加える, why aren't energy 法案s lower, what should you do if you are caught in the mortgage 嵐／襲撃する and which 株 have done the best this year?

Forget 5 per cent 貯金 率s. Forget 7 per cent. A new 正規の／正選手 貯金 取引，協定 has landed 支払う／賃金ing a headline-grabbing 9 per cent. But, is it 現実に a good 取引，協定? And cash Isas are 支援する with a bang with a 記録，記録的な／記録する 量 注ぐd into 税金-解放する／自由な accounts in March and April.

We had some good news this week about our energy 法案s - or did we? Ofgem's price cap is coming 負かす／撃墜する - saving 世帯s around £400 a year on 普通の／平均（する）. The last 18 months have been horrendous for 世帯s, so bad the 政府 had to step in in October and introduce a price 凍結する - but that was still 二塁打 what the typical 法案 payer would have had to fork out a year 以前. Are we finally seeing the light at the end of the tunnel, and when will 直す／買収する，八百長をするd 関税s be 支援する? 加える インフレーション, mortgage and 貯金 率 rises, the US 負債 天井 and 'campervanflation'.

Almost five times as many people will soon be 支払う／賃金ing 40 per cent 税金 than in the 早期に 1990s, when it was seen as a 税金 bracket reserved for the rich, the 学校／設ける for 会計の 熟考する／考慮するs 警告するd this week. We discuss 税金 and who counts as 豊富な. 加える how much have you lose to インフレーション, 全国的な's new £100 bung would you buy food past its best before date?

And there it was, another 利益／興味 率 引き上げ（る）. Another ４半期/4分の1 point move up seems almost commonplace now but cast your mind 支援する to the 時代 after the 財政上の 危機 and we had to wait nearly ten years for the base 率 to climb above its 0.5 per cent '緊急 level'. We discuss the 最新の 率 rise and how 高金利s will go. 加える, the return of 100% mortgages, and how to 避ける your family's 相続物件 turning into Succession.

We dig into the myriad problems with UK housebuilding and what can be done to build better homes that people want to buy and have 近づく them. Is the answer just bringing 支援する 的s or is it more 複雑にするd than that? 加える, what to do if you can afford to buy but are worried about mortgages and house prices, will a new 厳重取締 stop fraudsters and should you 得る，とらえる a 5% 貯金 率?

Poor old 温室s. Once they were all the 激怒（する） and now we are 存在 told they could knock £15,000 off the value of a house. 一方／合間, a home office in the garden is said to 追加する lots of value, but who has ever longed for once of those in the same way they've dreamed of a swimming pool on a hot day? Yet, the pool is one of the main things that will 明らかに put off 見込みのある 買い手s. We look at the things （人命などを）奪う，主張するd to 上げる your 所有物／資産／財産's value and those detracting from it. 加える, cheap bank 株, the other Woodford 基金 and 5% 貯金 率s.

The 普通の／平均（する） prize 基金 率 on 賞与金 社債s has reached the heady 高さs of 3.3 per cent - going 長，率いる-to-長，率いる with 最高の，を越す 平易な 接近 貯金 取引，協定s. But what many savers may not realise is that their chance of winning a big 賞与金 社債s prize of £100,000 or £50,000 has got much better too. On this podcast, we talk 賞与金 社債s, food インフレーション, 忠義 cards and member prices.

As if buying a home wasn't enough of a 宝くじ, borrowers are now 直面するing a major 賭事 on their mortgage. Whether buying or remortgaging, they need to work out how long to 直す／買収する，八百長をする for and try to 査定する／（税金などを）課す what might happen next to 利益／興味 率s. We discuss that, house prices, UK 株 and 半端物 classics.

The 政府 is 延期するing a 決定／判定勝ち（する） on 引き上げ（る）ing up the 明言する／公表する 年金 age to 68 until after the next 選挙 - perhaps 影響（力）d by 抗議するs across the channel. 年金 commentators said move would be 'incredibly 人気がない', and likely 'political 自殺'. 政府s don't like to upset retirees because they 投票（する） in high numbers - but 持続するing the status quo is incredibly expensive. Has something 最終的に got to give when it comes to the 明言する／公表する 年金 age and 持続するing the ３倍になる lock? On this week's podcast, Georgie 霜 is joined by Tanya Jefferies and Helen Crane to discuss.

Just when you thought the cost of living 危機 was meant to be on its way out another 一連の会議、交渉／完成する of 法案 引き上げ（る）s are hitting.From 会議 税金 to 動きやすい 法案s, seemingly every organisation wants another piece of your bank account - and some of the rises are even higher than インフレーション. Is there anything you can do about it? Could a bit of switching, planning and another 一連の会議、交渉／完成する of cutting 支援する on energy usage, shave some money off?

A bung for the rich or a move that will help many more young professional savers aspire to a decent 退職? The podcast team delve into the 予算 and joining them to explain the 年金s element is a special guest, This is Money's 退職 columnist and ex-年金s 大臣 Steve Webb. Also in the 予算 was news on the economy, a ray of hope on energy 法案s , and a big 拡大 of 30 hours 解放する／自由な childcare. And finally, should you be worried by the Silicon Valley Bank 崩壊（する）?

A banking 危機 has seemingly 現れるd out of nowhere, in a system that we've been told is stable, 井戸／弁護士席 capitalised and far from its parlous 明言する／公表する when the credit crunch and 財政上の 危機 struck. So, what is going on and why did both the 連邦の Reserve in the US and the Bank of England see fit to raise 利益／興味 率s this week? 加える, why you should consider selling some 投資s, what to do with your 貯金 and Pok?mon card 投資するing.

You'd like to imagine that when it （機の）カム to the 明言する／公表する 年金, you'd be 取引，協定ing with a more 強健な system than the ones that 配達する the 普通の／平均（する） 顧客 service nightmare. Savers could be 許す for 尋問 whether that was the 事例／患者 after a string of 最近の 失敗s. On this podcast, we discuss a 二塁打 header of 明言する／公表する 年金 news, 加える the best cash Isas and why 移転s 事柄, （株主への）配当 Hero 投資するing and whether you could afford your home now.

House prices have started to 落ちる 毎年 for the first time since the 早期に months of the pandemic. 全国的な's 最新の 索引 shows the biggest 落ちる since 2012 , with higher mortgage 率s and the cost of living 危機 continuing to squeeze the 所有物／資産／財産 market. We discuss why this is happening, and whether it is a bad thing.

There's not long left until the end of the 税金 year - and that means it is time to sort your Isa if you 港／避難所't already. On this Isa saving and 投資するing special podcast, Georgie 霜 and Simon Lambert talk all things Isas - from finding the best saving 率s, to how to 投資する and how to 上げる your chance of 投資 success if you already have a 在庫／株s and 株 Isa.

We look at how likely those 利益／興味 率 予測（する）s are to be 訂正する and what this all means for the economy, mortgages, 貯金 and first-time 買い手s. 加える how we exposed another 一連の会議、交渉／完成する of 明言する／公表する 年金 失敗s, with Steve Webb joining the show, the best type of Isa for you and the 宙返り／暴落する driers that 削除する costs.

公式に, the rise to 68 is 始める，決める to happen between 2044 and 2046, but 大臣s 恐らく want to bring 今後 the change to 2035 with the 政策 存在 floated for 傾向 in the March 予算. The rumours are 関心ing for those 老年の between 43 and 54, but how likely this is to 現実に happen - and what can 年金 savers do to 準備する for it? The podcast team also look at whether mortgage 率s will go below 4%, why 賞与金 社債s are looking more attractive and why 顧客s can't （不足などを）補う their minds about whether they love or hate John 吊りくさび.

An astonishing idea for an Isa 税金 （警察の）手入れ，急襲 has been 輪郭（を描く）d by the 決意／決議 創立／基礎, with the 提案 that 税金-解放する／自由な 貯金 and 投資s should be capped at £100,000. No more aspiring to be an Isa millionaire, it would be £100k and out under this 計画（する）. The podcast team 取り組む that idea, 加える a new 最高の，を越す Avios 取引，協定, extra 着せる／賦与するs to 削減（する） 法案s and we speak to Bank of Dave's Dave Fishwick.

We will all have a different image in our 長，率いるs of what our 退職 years might look like, but whatever that is it is important to think about another question: could you afford to do those things? The podcast team delve into a 報告（する）／憶測 that looks at putting a price on different 退職s, discuss 相続物件 税金 and whether it is grabbing too much of some people's homes and ask if cash can help with 予算ing.

The New Year arrived with 約束s of インフレーション 落ちるing and a ray of hope on energy 法案s. But even if Rishi Sunak halves インフレーション, as he （人命などを）奪う，主張するs he will, it would still be running at 5 per cent and his 約束 to get Britain 支援する to growth may 証明する harder than the simple maths that sees the 率 of rises in the cost of living slow. The team delve into the prospects for the year ahead, look at what's on the cards for the 所有物／資産／財産 market, 年金s and savers and if 賞与金 社債s are a must have.

Tumultous is a word that doesn't really do 2022 司法（官）. Most people were looking 今後 to a year of 静める as the Covid pandemic faded, but instead got 騒動 and the cost of living 危機. Georgie 霜, Helen Crane and Simon Lambert take a look 支援する at the big 財政上の events of 2022 and look 今後 to 2023 on this special year end podcast.

First we had the 広大な／多数の／重要な 辞職 and now we may be seeing a new 傾向 現れる 'unretirement'. Why do people want to take 早期に 退職, why may some now be returning to work - and what would tempt more 支援する to 上げる 生産性 and the economy? 加える, the 株式市場 勝利者s and losers of 2022, can a スピードを出す／記録につける burner really save you money and what are the used cars that went up in value the most this year.

With インフレーション looking as if it has 頂点（に達する）d, the economy probably already in 後退，不況, 世帯s and 商売／仕事s feeling the squeeze, have we nearly reached the end of the 率 引き上げ（る）s? We look at how の近くに we are to the end of the 率 cycle and what it all means for mortgages and 貯金. 加える, what people can do to keep themselves warm but save on energy and what might happen next to 法案s

The 危険 of a 厳しい house price 下降 of that magnitude was flagged by Rightmove 創立者 and 所有物／資産／財産 market 退役軍人 Harry Hill. On this week's podcast we discuss the prospects for the 住宅 market, how the 早い rise in mortgage 率s is 影響する／感情ing it and what 見込みのある home movers or first-time 買い手s should do. 加える, 物陰／風下 Boyce is 支援する to talk 木造の Spoon, we discuss small building societies with big 率s and get a guest 外見 from Hagerty classic car specialist John Mayhead to discuss its Bull 名簿（に載せる）／表（にあげる）.

Rising 貯金 率s and 会計の drag pulling more people into the higher 率 bracket mean that many more savers will now have to 支払う／賃金 税金 on 利益／興味 - while Jeremy 追跡（する）'s 税金 （警察の）手入れ，急襲 on 投資家s will see the 資本／首都 伸び（る）s 税金 allowance 削除するd to £6,000 and then £3,000. We explain what you need to know. 加える, Steve Webb makes a guest 外見 to discuss a 延期するd 明言する／公表する 年金 victory and the 年金 credit fiasco and finally, why are used car prices starting to 落ちる?

貯金 and mortgage 率s ロケット／急騰するd but even as the Bank of England continues to raise 率s have they already gone as high as they will? The This is Money podcast team discuss that, 加える where will mortgage 率s settle and the 関わりあい／含蓄 for both house prices and first-time 買い手s, と一緒に the new energy price cap and why it has jumped and how good are a bunch of oddball 装置s designed to warm the person not the room.

In a blizzard of 引き上げ（る）s - through threshold 減少（する）s and stealth 税金 凍結するs - 追跡（する） worked his way through a painful Autumn 声明, where good news was thin on the ground. The silver linings （機の）カム from the 政府 sticking by the 年金 ３倍になる lock and uprating 利益s by インフレーション but the 焦点（を合わせる） was on painful years ahead. We look at what it means.

So many 道具s have been flown about 可能性のある 税金 rises that even 税金ing selling your own home and bringing 支援する the 50p 率 were floated as 可能性のある Autumn 声明 ideas troubling Jeremy 追跡（する） and Rishi Sunak's minds. The PM and （ドイツなどの）首相／（大学の）学長 want you to think they are serious, but could this 一区切り／（ボクシングなどの）試合 of 税金 引き上げ（る） 憶測 do 継続している 害（を与える） to the economy?

What can be done to 改善する things in the 賃貸しの market and have we come 負かす／撃墜する too hard on buy-to-let? That's the question asked on this week's podcast, as Georgie 霜, Helen Crane and Simon Lambert 審議 the problems in the 賃貸しの market. But before that, it's time for Rishi Sunak. Will he be able to soothe jittery markets, navigate Britain through a painful cost of living 危機 winter, and somehow please the nation while taking money off people instead of dishing it out?

With Jeremy 追跡（する）'s 厳しい 逆転 税金 削減（する）s and a 会社／堅い かかわり合い to not come up with any more cunning 計画（する）s that might upset the markets, is Britain now on a firmer 経済的な 地盤? Or will our 追求（する），探索（する） for yet another 総理大臣 （一定の）期間 more trouble ahead? Britain's 経済的な predicament, the ３倍になる lock, house prices and how much energy we use are on the podcast 協議事項.

If you were asked to 指名する a world-class place to surf, a field 近づく Bristol isn't the first 場所 that would come to mind. But this slice of the English countryside is home to The Wave, an 人工的な surfing lake that is one of just a handful in the world to use cutting 辛勝する／優位 科学（工学）技術 and was the first of its 肉親，親類d. For this special 特別手当 interview episode of the This is Money podcast, Simon Lambert visited The Wave to 会合，会う Nick, be shown around and hear the story of his more than １０年間-long 旅行 to get waves breaking and people riding them.

When gilts 攻撃する，衝突する the headlines it's a （疑いを）晴らす 調印する that trouble has not only been brewing but has been 抑えるのをやめるd. 政府 社債 産する／生じるs only tend to break through into the mainstream when things aren't going 井戸／弁護士席 and they have been 堅固に in the スポットライト since Kwasi Kwarteng's ill-運命／宿命d 小型の-予算. But what is a gilt, why does its 産する／生じる 事柄, what's that got to do with prices and why do we worry about such things? In this podcast we look.

ロケット／急騰するing 率s have sent the 普通の／平均（する） two and five-year 直す／買収する，八百長をするd 率 mortgage through the 6 per cent 障壁, so what happens next and how bad will things get? 加える, as 貯金 率s jump should you 直す／買収する，八百長をする, some middle-class 税金 cutting 計画（する）s that should 証明する more popular than axing the 45p 率 and a mystery 激しく揺する 星／主役にする's 価値のある letters and 税金 question.

This week, Georgie 霜, Simon Lambert and 物陰／風下 Boyce 取り組む what has been a truly remarkable one in the world of personal 財政／金融 with a message of: don't panic. So, is the UK economy in 危機…again? How much is the （ドイツなどの）首相／（大学の）学長's '小型の' 予算 to 非難する? And what can the 政府 do now?

Britain's new （ドイツなどの）首相／（大学の）学長 Kwasi Kwarteng 配達するd a blistering 小型の-予算 this week that was anything that small. A wave of 税金 削減（する）s were 抑えるのをやめるd. Some had been ひどく 追跡するd, such as NI and stamp 義務, but there were also two rabbits out of the hat on 所得税. The team discuss what the going for growth 小型の-予算 means for people, how much they may save in 税金, and whether it will work or 原因（となる） the UK economy even more problems 負かす／撃墜する the line.

The Bank of England is tipped to raise 利益／興味 率s by at least 0.5 per cent this week, but the 続けざまに猛撃する fell to a 37-year low last week. That comes against a 背景 of インフレーション 辛勝する／優位ing 負かす／撃墜する わずかに to 9.9 per cent - taking Britain out of the 二塁打-digit インフレーション club - with a colossal 救助（する） 計画（する） to save 世帯s and 商売／仕事s from spiralling energy prices about to kick in. The This is Money podcast team look at the 続けざまに猛撃する, energy 法案s, インフレーション and 利益／興味 率s, how all these 問題／発行するs connect and what could happen next?

To celebrate his 300th column, Steve joins Tanya, Georgie 霜 and Simon Lambert for a special podcast episode to answer readers' questions. It's a dive into what you need to know about 年金s, 範囲ing from saving for 退職, to 投資するing in your 年金 years and, of course, the 明言する／公表する 年金 and ３倍になる lock.

Belts are already 存在 強化するd and as 法案s 長，率いる even higher more people will look to save where they can.But are there some things that you should 避ける doing or cutting 支援する on at all costs? Editor Simon Lambert （機の）カム up with his five 誤った economies to 避ける as インフレーション bites, but was he 権利 to 選ぶ them? The team discuss them on this podcast episode.

インフレーション is 急に上がるing and if 予測s are 訂正する, it would result in the 消費者物価指数 手段 hitting 13% this autumn. That could result in a 明言する／公表する 年金 rise of around £1,000 a year to £10,900 while even at the 現在の level of 10.1% it would be upped to £10,600.

インフレーション is up again with 消費者物価指数 now 手段d at 10.1%, the highest since February 1982, when Margaret Thatcher was 総理大臣. 物陰／風下 Boyce, Helen Crane and Georgie 霜 discuss the higher than 予測（する） インフレーション 率 and what is 運動ing it.

This week, Georgie 霜 and 物陰／風下 Boyce are joined by a special guest: James Blower, AKA The 貯金 Guru, who gives his take on where 貯金 率s are 長，率いるing next. With the lesser known 挑戦者s 支払う／賃金ing the best 率s, how do you know they're any good? And should you 直す／買収する，八百長をする now or wait?

The idea of the Bank of England raising base 率 by 0.5 百分率 points at the same time as 警告 about a long and painful 後退，不況 would have been 考えられない a year ago. But things have 劇的な changed and central banks are 猛烈に trying to get a 支配する on 滑走路 インフレーション that just seems to keeo getting worse. The podcast team discuss the 率 rise and 可能性のある 後退，不況 and what it means for borrowers, savers, the economy and our 財政上の 近づく 未来.

This summer has seen travel 需要・要求する 回復する and for many, it could be their first overseas jaunt since before the pandemic. For that 推論する／理由, there may be some rusty holidaymakers out there. But 恐れる not, 物陰／風下 Boyce, Helen Crane and Georgie 霜 are at 手渡す to help get you in the holiday mood (肉親，親類d of).

財政上の independence and retiring 早期に sounds 広大な／多数の／重要な, but could you sacrifice enough of your spending to get there? The FIRE movement 伴う／関わるs living a frugal live, saving as much of your income as possible - 50 per cent or more - and 投資するing to build a マリファナ to retire 早期に on. Could you do this and would the This is Money podcast's Georgie 霜, 物陰／風下 Boyce and Simon Lambert be able to stomach the hardcore 予算ing and saving it 要求するs?

This is Money's Simon Lambert recently （機の）カム up with his ten money 支配するs, 範囲ing from learning to 予算 and saving a 雨の day マリファナ, to 存在 generous when you can afford it and not 存在 afraid to take 危険s. He runs us through his thoughts behind those 財政上の lessons and Georgie 霜 and 物陰／風下 Boyce 半導体素子 in with their ideas for some money 支配するs to live your life by.

The economy is struggling, an インフレーション 危機 is in 十分な swing and the Bank of England is raising 率s into a 後退，不況, yet at the end of a tumultuous week we are not just 負かす／撃墜する one 総理大臣 but a （ドイツなどの）首相／（大学の）学長 too - and aren't やめる sure if the new man in the 職業 will be sticking around very long. We look at what the change in 総理大臣 could mean for the UK's economy, 商売／仕事s and 世帯s - and what a new （ドイツなどの）首相／（大学の）学長 might do and the challenges they will 直面する.

Many 運転者s will have received a dreaded 告発（する），告訴（する）／料金 in the 地位，任命する and in some 事例／患者s, unjustifiably so. If that's you, it's time to fight 支援する. どこかよそで, we talk about Halifax's mortgage move, whether it can 支払う／賃金 to 直す／買収する，八百長をする energy 法案, 最高潮の場面 the five FTSE 100 会社／堅いs with the biggest 株 price 落ちるs this year and how small 商売／仕事 owners 取り組む telling their 顧客s that price rises are 進行中で.

Isn't it a bit of an 半端物 time to finally get rid of this, just as 利益／興味 率s are finally rising and the base 率 has jumped from 0.1 per cent to 1.25 per cent in six months? We discuss why the Bank of England is doing this and whether it is the 権利 move, or could lead to risky lending and even higher house prices? 加える, インフレーション-fighting 貯金, 経常収支s to switch to, why 投資家s aren't buying the 下落するs, and can your 隣人 build on your 塀で囲む?

The base 率 has gone from 0.1 per cent to 1.25 per cent in the space of six months, in a flurry of 率 rises that would have been considered 考えられない a year ago. With インフレーション running at 9 per cent and 推定する／予想するd to 長，率いる north into 二塁打 digits soon, the onus is on the Bank of England to show it has a 支配する and we aren't 長，率いるing 支援する to the 1970s. But is 速く raising 率s the 権利 thing to do and how will it 影響する／感情 savers, borrowers and 投資家s?

More 明言する／公表する 年金 mistakes from the DWP and a 警告 we aren't saving enough in 年金s is on the 協議事項 of this podcast. The team discuss what you can do to make sure you are putting enough into your 年金 and why the self-雇うd need to 支払う／賃金 particular attention. 加える, is it time to look again at Scottish Mortgage, big 主題 投資するing ideas and should we 削減（する） 付加価値税 on 石油?

Britain descended into holiday 大混乱 this week, as 航空機によるs cancelled hundreds of flights, airports struggled to 対処する and even Eurostar ended up with a day of disruption. The team discuss where the 非難する lies for the disruption, what people's 権利s are if their flights are cancelled and what we can all do to 保護する ourselves.

Sudden Wealth Syndrome. It's a thing 明らかに and something that many of us probably wouldn't mind 苦しむing from. That's the 称する，呼ぶ／期間／用語 used to 述べる those who suddenly - and perhaps 突然に - come into a very large sum of money. And doing so brings plenty of 利益s but also its own problems. We have heard about the couple who won £184m on the Euromillions, but what are the challenges they 直面する and how do you を取り引きする that sum of money?

インフレーション continues to 殺到する, the Bank of England says there is little it can do to 立ち往生させる it but is raising 率s any way, and at the same time is 警告 of a 可能性のある 後退，不況 ぼんやり現れるing. It seems 安全な to say this isn't the Covid 回復 year that many people were hoping for: the longed-for 一区切り／（ボクシングなどの）試合 of 静める and 楽観主義 has turned out to be a cost of living 危機 instead. So, with インフレーション now at 9 per cent and 始める，決める to rise その上の and central banks 速く changing their tune on low 利益／興味 率s, is a 後退，不況 必然的な?

Rising 利益／興味 率s and the cost of living crunch are putting a serious squeeze on how much 買い手s can borrow. 一方／合間, stories are 現れるing of 貸す人s getting 冷淡な feet on some of the 申し込む／申し出s that ambitious 買い手s have had 受託するd and 負かす／撃墜する-valuing 所有物／資産／財産s. On this week's podcast, Georgie 霜 and Simon Lambert discuss whether house prices can 反抗する gravity once more.

More than 40 years after Margaret Thatcher introduced 権利 to Buy, the 現在の 総理大臣 is considering 計画（する）s to 改造する the 計画／陰謀. Could it 抑えるのをやめる a home buying 革命 and help give a much needed 上げる to the 政府, or is it a bad idea rehashing an old 計画／陰謀?

Is there any point trying to save when インフレーション is so high? From what the best 率s are and where you can get them, to why you should 避ける your bank or building society's '侮辱 account' and how to turn a 貯金 habit into an 投資するing one that should hopefully get you a better return, we talk all things saving.

What can be done to help 顧客s struggling with 急に上がるing 法案s? Will Rishi Sunak have to step in with more meaningful help than his £200 off now, 支払う／賃金 it 支援する later 取引，協定? Should wealthier 顧客s subsidise the 法案s of the poorer? And how do we make energy 会社／堅いs get their 行為／法令／行動する together? We 取り組む the energy crunch, 加える how to save enough for 退職, the 広大な／多数の／重要な British Rail Sale 勝利，勝つd-up, and Netflix gets a 冷気／寒がらせる.

For many homeowners it's been the 事例／患者 for some years that each time they remortgage, their 率 comes 負かす／撃墜する. But with the Bank of England liftng base 率 three times in a 事柄 of months, インフレーション 急に上がるing to 7 per cent, and banks and building societies 引き上げ（る）ing mortgage 率s, that is no longer the 事例／患者. On this podcast we look at what borrowers can do, if 率s will keep rising and how インフレーション fits in. 加える, social broadband, a buy-to-let 回復する and fiding a good 保険会社.

This week 示すs the start of a new 税金 year and with it a 国家の 保険 rise, a meagre 明言する／公表する 年金 引き上げ（る） and the start of new 'no fault' 離婚 system. Georgie 霜, 物陰／風下 Boyce and Helen Crane run through what these changes 潜在的に mean for you and why they're important.

It's the time of year when we are 勧めるd to put our money into an Isa or 年金, but 直面するd with the choice which should you 選ぶ? On this podcast, Georgie 霜 and Simon Lambert look at the perks of each, where the drawbacks are and how you can make an 知らせるd 決定／判定勝ち（する）.

What are the 必須の things you need to know about a 在庫／株s and 株 Isa and 投資するing in general, whether you are just getting started or an 存在するing 投資家 looking to spruce up their 大臣の地位? On this special Isa 投資するing podcast, 略奪する Morgan, 長，指導者 分析家 at Charles Stanley, joins This is Money editor Simon Lambert to discuss how to be a smarter 投資家.

We look at the Spring 声明 and whether 税金 fiddling, a 5p 石油 義務 削減（する） and some money off solar パネル盤s really 削減（する） the 情熱 in the 直面する of a cost of living 危機. Also what's going on with building costs and how to try to get the best 引用する from a 建設業者, stick to a 予算 and 保護する against price rises and whether to go for an asking price, guide price, or dedmand 申し込む／申し出s over.

Is the BoE 権利 to try to 割れ目 負かす／撃墜する on インフレーション now, or is it putting the Covid 回復 at 危険? And what does this mean for savers, borrowers and 投資家s? We discuss the 率 引き上げ（る） - if you can call a ４半期/4分の1 point rise a 引き上げ（る） - and how much more of this may be coming 負かす／撃墜する the line. 加える, what are the best 株 and 基金s to stash in your Isa in volatile times, do you have to 支払う／賃金 税金 on a £20,000 bitcoin 利益（をあげる）, and would you 交換（する） your 装置 trash for cash at Currys?

What would that £1million get you though, how much would you need to 投資する and for how long to get there - and is it enough f or 財政上の independence? Georgie 霜, Helen Crane and Simon Lambert discuss building your way to a £1million Isa and how achievable that might be. Also, mortgage 率s and what to do if you need to 直す／買収する，八百長をする, 石油 prices and should you take an energy 直す／買収する，八百長をするd 率 取引，協定?

Russia's 侵略 of ウクライナ共和国 has created a 悲劇の 状況／情勢 that goes far beyond worries about our 財政／金融s but it will have an 衝撃 on them. On this podcast, Georgie 霜, Tanya Jefferies and Simon Lambert look at what that could be. From how the ロシアの-ウクライナ共和国 衝突 will 影響する／感情 out personal 財政／金融s: from energy 法案s, to 石油 prices and food, to the 即座の volatility it has thrust on to people's 投資s, the team look at what is happening and what may happen next.

A 解放する／自由な 'midlife MOT' course has been 開始する，打ち上げるd 目的（とする）d at people who want to do a stocktake of their 現在の 財政／金融s, career and health. This is an idea 支持する／優勝者d by the 財政／金融 産業 and 政府. But is it any good? 投資s and 年金s editor Tanya Jefferies undertook the course by 財政／金融 巨大（な） 合法的な & General and the Open University and tells Georgie 霜 and 物陰／風下 Boyce of her experience.

Where do you stand on smart メーターs? This seemingly ありふれた sense 科学技術の 前進する in how we are 法案d for energy has 証明するd hugely 意見の不一致を生じる. Now things have stepped up a gear, as an Ofgem change will lead to smart メーターs 存在 able to send half hour updates to energy providers - 開始 the door for electricity pricing to change at different times of day. Is this a good idea to help the 移行 to green energy or a problem in the making? 加える, how インフレーション could 影響する／感情 your spending, income and wealth and how to 戦闘 that, the weird world of rising used car prices and Bank of Dave the movie.

Thursday 示すd a big day for the 続けざまに猛撃する in our pocket. First of all, it was 発表するd the energy price cap was to rise 54%. Hot on the heels of that bombshell we had another 率 rise from the Bank of England - piling 圧力 on borrowers.

Variable price cap-linked energy 法案s are 推定する／予想するd to rise 50% and those with 直す／買収する，八百長をするs ending 直面する bigger rises, so are there any 選択s to 茎・取り除く the 法案s shock? 加える, with editor Simon Lambert one of those people whose 直す／買収する，八百長をする is imminently ending, what are the 選択s that his energy 供給者 Octopus has 現在のd him with, and which one is he going to take? Also on this week's podcast, the 株式市場 wobble, UK 株 and 全国的な finally raising 貯金 率s.

Steven Bartlett is the 最新の 星／主役にする of Dragons' Den - and we recently caught up with him for a special 特別手当 This is Money podcast episode. In this frank interview with This is Money's Simon Lambert, Steven tells us his story, the challenges he's 直面するd in his 商売／仕事 life, how he got ahead and his tips for anyone else wanting to start a 商売／仕事.

Turning 40 is a milestone birthday - and perhaps the one that gets people thinking most about where they are at in life. But what do you need to think about ーに関して／ーの点でs of your 財政／金融s, from 年金s, to 所有物／資産／財産, 投資するing and saving? This special birthday podcast looks at people's 財政上の life around 40 - and 含むs plenty of tips 関連した to those who are much younger or older. 加える we look 支援する at what 経済的な life was like 40 years ago.

Banks and building societies have been busy upping mortgage 率s, with 全国的な 明らかにする／漏らすing a raft of rises, but savers are still waiting. 全国的な isn't alone, almost all its big building society and banking 競争相手s have also been failing savers for years - and although they 非難する the low 利益／興味 率 環境 that doesn't stop them making bumper 利益（をあげる）s and 支払う／賃金ing out blockbuster 給料 to 最高の，を越す (n)役員／(a)執行力のあるs. So, are they diddling savers or do they have any defence?

It's 安全な to say 2021 has been an eventful one for the economy and personal 財政／金融 - and our podcast has covered it all. Georgie 霜 takes a look 支援する at some of the best bits of the show starring Simon Lambert, 物陰／風下 Boyce, Tanya Jefferies and Helen Crane. 加える, as a special New Year's 特別手当, this week's podcast features an interview with entrepreneur, Diary of a CEO podcaster and new Dragon in the den, Steven Bartlett.

Christmas hasn't been cancelled but that doesn't mean that things 港／避難所't been left, 権利 and centre, as the 歓待 and entertainment 産業 once more 耐えるs the brunt of Covid. So, what can be done to help pubs, restaurants, cafes, music 発生地s, theatres etc? And what happens ーに関して／ーの点でs of getting your money 支援する if your event is cancelled or you have to skip it yourself? 加える, would you 投資する in 罰金 ワイン... or even music? The team look at how to do both. And finally, is a Christmas update on the PLSA 退職 living 基準s 研究 a cracker or a dud?

They finally did it! The Bank of England's 通貨の 政策 委員会 raised the base 率 from its 緊急 0.1% level to 0.25%. Markets were 元気づけるd by the 率 rise and 経済学者s were 概して welcoming too, yet the general 合意 is that it will make little difference to the インフレーション Britain is 苦しむing. So, why raise 利益／興味 率s and was this the 権利 move as the nation 星／主役にするs 負かす／撃墜する the バーレル／樽 of yet more Covid disruption?

We've all felt it, that moment when you look at your bank balance and think 'I've spent how much?' But what if you looked at an entire lifetime's 価値（がある） of spending? What would the 損失 be and how painful would that number feel? によれば a 最近の piece of 研究 by 原子 Bank, the cost of living an entire 近づく 81-year lifetime in 2021 would be a whopping £1,543,834. On this week's podcast, Georgie 霜, 物陰／風下 Boyce and Simon Lambert discuss that and why a snapshot like this - ばく然と 正確な as it may be - can help us understand how インフレーション 作品 and how it can 運動 up prices.

Is it better to leave the heating on low all the time, or switch it on in smaller bursts? Is the electric 一面に覆う／毛布 cheaper than a kettle-filled hot water 瓶／封じ込める? Does an electric heater cost いっそう少なく to heat a room? We 取り組む the ありふれた energy questions people 定期的に ask. 加える reward points, crypto 投資するing and the mystery of the 行方不明の doorbell.

（ドイツなどの）首相／（大学の）学長 Rishi Sunak 明らかにする／漏らすd a raft of 手段 which had already been 発表するd - and 最高潮の場面d the 脅し of 全世界の インフレーション. Georgie 霜, Simon Lambert and 物陰／風下 Boyce run the 支配する on the 最新の 予算 and updated 人物／姿／数字s on インフレーション and base 率 予測s, と一緒に where the economy is at… and 潜在的に 長，率いるing.

Going green used to be 現在のd as a way to save money, but the stark reality that 取引，協定ing with 気候 change will mean spending more is 夜明けing. On this week's podcast, Georgie 霜, 物陰／風下 Boyce and Simon Lambert, discuss green 社債s and better 代案／選択肢s and greener homes, their costs and whether there is also better 選択s that we are 存在 現在のd with 権利 now. 加える, the ３倍になる lock, bitcoin at a 記録，記録的な／記録する high and who gets a 現在の from a skip?

A new 報告（する）／憶測 this week 最高潮の場面d just how ありそうもない people are to 勝利，勝つ big prizes. In fact, unless you have a sizeable 量 in 社債s, you should 推定する／予想する a long wait for anything over £25. But does it 事柄 that you'd have to wait ages to 勝利，勝つ £50 or more - or are those uninspiring 正規の／正選手 £25 prizes a much more useful source of returns? We dig into 賞与金 社債s, looking at the 半端物s, the 熟考する／考慮する on big prizes, what our readers have told us, and also how many people 持つ／拘留する.

With インフレーション on the rise, homeowners 近づくing the end of their mortgage 取引，協定s could be tempted to lock in for longer - 特に with murmurs of a base 率 rise. It comes as 率s continue to 落ちる, even on tracker 取引，協定s. What are the プロの／賛成のs and 反対／詐欺s on a two, five and even a 10 year 直す／買収する，八百長をする, and does the 柔軟性 of a tracker mean it could be a worthy 選択 to consider?

貯金 率s are on the rise but even if you do find a best buy, don't get complacent because there's インフレーション is running at steam. The problem is that while 伝統的な 通貨の 政策 theory dictates that should lead to 利益／興味 率s rising, we 港／避難所't operated under normal 条件s since the 財政上の 危機. We look at how long it might be before we get 支援する to a normal 状況／情勢 of 貯金 accounts 終始一貫して （警官の）巡回区域，受持ち区域ing インフレーション. 加える why 投資するing attack may be the best form of defence and could you live off grid?

The week began with an energy crunch, as 世帯s woke up to the problems sending gas prices spiralling - and the 衝撃 that could have on their 法案s. It ended with a needless 急ぐ on 石油, as people were told there was no need to panic buy 燃料… and some 敏速に panic bought it. On this episode we look at what's 運動ing the problems with our 法案s and get an update on the 明言する／公表する 年金 fiasco.

The cost of living jumped by the largest 量 on 記録，記録的な／記録する to 攻撃する，衝突する 3.2% in August - is it 始める，決める to run out of 支配（する）／統制する and 誘発する the Bank of England to raise 利益／興味 率s? 一方／合間, a 暗い／優うつな 報告（する）／憶測 has lead to some 経済学者s to talk about stagflation once more. What is it, is it a 脅し and does it 事柄?

If you're going to break one manifesto 約束, then why not break two? Why not distract from telling pensioners they can't have their 可能性のある 8.8 per cent ３倍になる lock 明言する／公表する 年金 rise by 引き上げ（る）ing 税金s for everyone. Is the 税金 rise fair, will it 直す／買収する，八百長をする social care, should the ３倍になる lock have been broken and what should you do if an 投資 急落するs, on this week's podcast.

の中で its many surprises, the coronavirus pandemic has 配達するd a 所有物／資産／財産 にわか景気. In pretty much the exact opposite シナリオ to that almost all 専門家s 予報するd, the 所有物／資産／財産 market has 攻撃する，衝突する fever pitch over the past year and a bit, with more people moving and house prices 急に上がるing. We take a look at the 所有物／資産／財産 tribes and how they are 運動ing the market - from those who love to move, to those chasing a quick buck, and those whose 単独の 願望（する） is to find the perfect place to stay put.

When it comes to 明言する／公表する 年金s, there has been plenty of talk in 最近の weeks about the ３倍になる lock and what could mean next month when it comes to an uplift. However, more than 2m receive いっそう少なく than £100 a week in 明言する／公表する 年金 支払い（額）s - is there a way to 上げる your 年金?

As Britain's streets are filled with drivers whizzing 配達／演説／出産s around, there's a new 最高の，を越す scam in town. 小包 and 一括 配達／演説／出産 scams are the most ありふれた type of 'smishing' text messages, a 報告（する）／憶測 said this week. The podcast looks at the rise of 小包 scams, the new car 不足 運動ing used car prices up, crunch time for the ３倍になる lock and whether the bank account 戦う／戦い is 支援する.

The lowest two-year 直す／買収する，八百長をするd 率 has been 削減（する） to 0.83 per cent and five-year 直す／買収する，八百長をするd 率s are 利用できる at 0.99 per cent. While these 最高の low 率s are only reserved for those with the biggest deposits, it's （疑いを）晴らす that the mortgage price war is 支援する on. We look at what's 運動ing mortgage 率s 負かす／撃墜する and how low home 貸付金s might go. 加える, house price snooping, わずかの 株 取引，協定ing and emotional 投資するing.

From October, millions of 世帯s can 推定する／予想する to 支払う／賃金 even more on their energy 法案s. Ofgem is raising the energy price cap for the second time in a year, 予定 to rising 卸売 costs. 物陰／風下 Boyce, Grace Gausden and Georgie 霜 take a look at the price cap, what it means and how to 潜在的に （警官の）巡回区域，受持ち区域 it.

大臣s want us to 溝へはまらせる／不時着する gas boilers and line our houses with insulation to save the 惑星, but do the sums 追加する up for cash-strapped homeowners? Simon Lambert, 物陰／風下 Boyce and Georgie 霜 take a look at the 政府's 目的（とする）s, if green 対策 in your home can 支払う／賃金 for themselves in the long-run and what it could take to pull Energy 業績／成果 証明書 ratings for homes higher.

The 政府 is planning a major 割れ目 負かす／撃墜する on 偽の reviews. Under the 提案s, it will become 違法な to 支払う／賃金 someone to 令状, or host, 偽の online ratings. How much 負わせる should we put behind buying 決定／判定勝ち（する）s when it comes to reviews and ratings, and what 正確に／まさに are the 計画（する）s to 妨げる this 肉親，親類d of 消費者 巧みな操作?

In a 調印する of the inflationary times, the cost of renting a car has ロケット／急騰するd to about three times the price of last year and it's 存在 非難するd on the 半導体 不足. How can a 欠如（する） of computer 半導体素子s 運動 up costs so 大幅に at the car 雇う desk? And what on earth has this got to do with the price of a 捕らえる、獲得する of crisps? On this week's podcast, Georgie 霜, Grace Gausden and Simon Lambert look at holidays and インフレーション and the points where 供給（する） and 需要・要求する are intersecting to create very 半端物 シナリオs.

The ３倍になる lock has always been a hot potato but things have stepped up another gear as it could 配達する a bumper 8% 明言する／公表する 年金 増加する 予定 to a 統計に基づく quirk. Is it fair for pensioners to get a bumper 増加する based on a distortion 原因（となる）d by the 支払う／賃金 苦痛 苦しむd by 労働者s in lockdown? Some say 'no', others say 'stick to the 取引，協定'. Also this week, the painful 事例／患者s of those who cannot afford funerals for loved ones, the return of gazumping to the 所有物／資産／財産 market, and finally, the crazy NatWest banking 支配する that has 軍隊d a reader to have their 雇用者's bank accounts mixed with theirs in online banking.

Yet more people caught up in the underpaid 明言する／公表する 年金 have been 明らかにするd - and tragically, in the two 事例／患者s we 最高潮の場面 this week, they weren't alive to see 司法（官）. This week 物陰／風下 Boyce, Tanya Jefferies, Steve Webb and Georgie 霜 talk all things 年金s.

House prices have bounced 10 per cent over the past year meaning that the £15,000 最大限 saving of a year ago on a £500,000 home would now come on a 所有物／資産／財産 that 潜在的に costs £50,000 more. But the 誤った economy of buying as prices 急に上がる to save on 税金 would be 二塁打 so for any 買い手 who then 行方不明になるd the 最終期限 and ended up with an extra £12,500 法案.

Sneaker 投資するing - those in the know don't call them trainers, 明らかに - has become a big thing in 最近の years and as values have risen, so has the 容積／容量 of 偽のs. Can anything be done, does it 事柄 and what's the attraction if 投資するing in sneakers anyway? The This is Money podcast looks at flash trainers, a space 信用, stamp 義務 and cheap cars.

As banks and building societies hint at better 率s for those sticking by them and 保険会社s are 軍隊d to stop stinging 顧客s, we look at 忠義 rewards and 刑罰，罰則s. Also on the 協議事項 is Britcoin, the Bank of England's 討議するd cryptocurrency. What is the point of a central bank 数字表示式の 通貨, what's a stablecoin, and would the crypto 投資するing 乗組員 be 利益／興味d? 加える, on the 住宅 market 前線, the team look at a new idea for the Bank of Mum and Dad and 物陰／風下 gets into beach huts… are they a cheap 所有物／資産／財産 goldmine?

Yet another house price 索引 has 記録，記録的な／記録するd 記録，記録的な／記録する growth, as 全国的な says the 普通の／平均（する） UK home is now 価値（がある） £243,000. Most 専門家s say this is 負かす／撃墜する to people's changing lifestyles during the pandemic and the incentive 供給するd by the 政府's stamp 義務 holiday. But are there other 軍隊s at play? Fred Harrison, a British author and 経済的な commentator, 首尾よく 予報するd the previous two 所有物／資産／財産 衝突，墜落s years before they occurred - and his 18-year 所有物／資産／財産 cycle theory says that house prices should continue to にわか景気 before 衝突，墜落ing in 2026. We 調査する how 正確な this 予測 might be, and also look at the other factors 形態／調整ing the 住宅 market, 含むing tantalisingly cheap mortgages with two-year 直す／買収する，八百長をするd 率s as low as 0.99 per cent

The team dig into the 統計（学）, 配達する a theory on how much you might need to 持つ／拘留する to 捕らえる、獲得する at least one prize a year, and look at whether 賞与金 社債s are 価値（がある） having. Also, on the show, crypto corner, 支払う／賃金ing 法案s with commemorative coins - and what 合法的な tender really means, why self-貯蔵 is the 最新の thing in short 供給（する） and who is 投資するing's Czech Sphinx?

インフレーション is bad news for the 続けざまに猛撃する in your pocket and for savers, but wasn't the whole point of all that money printing and 率 cutting to get a stronger 回復 （警官の）巡回区域，受持ち区域 デフレ? On this week's podcast, Georgie 霜, George Nixon and Simon Lambert look at why インフレーション has become a hot topic, how it will 影響する／感情 savers and 投資家s, and what it might mean for moonshot 投資するing and bitcoin.

Will there be a 殺到する of bookings, a last minute wait and see game, or a race to 得る，とらえる the few remaining staycation places during the summer holidays? On this week's podcast, Georgie 霜, Simon Lambert and Grace Gausden look at the 明言する／公表する of play for the travel 産業 and holidaymakers - and how to 保護する your hard-earned cash if you do 調書をとる／予約する.

This week saw the 開始する，打ち上げる of new 調書をとる／予約する - Never Go Broke: How To Make Money Out Of Just About Anything, co-written by This is Money personal 財政／金融 editor 物陰／風下 Boyce. In a podcast special, host Georgie 霜 and editor Simon Lambert talk to him about the 前提 and are joined from Los Angeles by 貯蔵 Hunters TV 星／主役にする 足緒 McClure, co-author of the 調書をとる／予約する.

The 期待 is that as lockdown 緩和するs and people are 解放（する）d into the hoped for freedom that ワクチンs bring, they will go on a spending spree. But will that definitely happen and will the 経済的な 回復する be strong enough to create a virtuous circle that 配達するs the much-talked about Roaring Twenties? Or will people be more 用心深い and 可決する・採択する their newfound 貯金 habit more 永久的に?

Once more into the 所有物／資産／財産 違反 has stepped the 政府, to get banks and building societies to 申し込む／申し出 more 5% deposit mortgages. But is this a wise move? Should we stop 干渉 in the mortgage and 所有物／資産／財産 market, as short-称する，呼ぶ／期間／用語 援助 ends up meaning long-称する，呼ぶ／期間／用語 苦痛 as more credit is 延長するd and house prices climb ever higher?

Was the blockbuster Coinbase 株式市場 名簿（に載せる）／表（にあげる）ing a coming of age for bitcoin and cryptocurrency or a 最高の，を越す of the 泡 moment? We look at the Coinbase float and what it means for the crypto and 投資するing world, 加える lower 危険 stable 投資s instead of rubbish cash Isa 率s and the Spac craze. Tanya Jefferies also updates on the womens' underpaid 明言する／公表する 年金s スキャンダル and the team look at 議論の的になる Barclaycard's credit 限界 削減（する）s.

What is the 未来 of the office? Will we ever go 支援する 十分な-time, or is a hybrid model more likely - and if you're tempted by a shed office, what should you look out for? On this week's podcast, 物陰／風下 Boyce and Georgie 霜 discuss the 未来 of work and the プロの／賛成のs and 反対／詐欺s of WFH life, 含むing the 'shoffice.'

財政上の scams are on the rise. The coronavirus lockdowns have seen a fresh burst of 投資 反対／詐欺s with fraudsters impersonating 合法的 companies to steal tens of thousands of 続けざまに猛撃するs. We discuss the rising tide of 詐欺, how to stay 安全な and what more can be done to 戦闘 it. 加える, mortgage 囚人s, the Deliveroo float and VW's 小型の campervan.

The headlines are telling you the 所有物／資産／財産 market is running hot, that the stamp 義務 holiday 拡張 is stoking the 解雇する／砲火／射撃s, and 買い手s are ignoring the 経済的な 低迷 to pile in. There's just one problem: your home is on the market and you aren't even getting any 申し込む／申し出s. Perhaps you are in a 所有物／資産／財産 coldspot. We look at how to take the 気温 of your 地元の 所有物／資産／財産 market, the best Isa 投資s of all time, green 投資するing and whether cutting electric car 認めるs was wise.

What's the point in an Isa? This is a 正規の／正選手 不平（をいう） as 貯金 率s are now so low that 収入 1 per cent would be a big 取引，協定. But wouldn't you rather have all of a small 量 instead of a small 量 minus 税金? And if you are 投資するing, an Isa makes a lot of sense - embracing your 伸び（る）s and （株主への）配当s in a nice 税金-解放する／自由な wrapper. On this week's podcast, Georgie 霜, 物陰／風下 Boyce and Simon Lambert talk Isas: from the classics, cash and 在庫／株s and 株, to the upstarts the lifetime and junior 立ち往生させるs.

It seems that にもかかわらず a 堅い lockdown 存在 課すd and schools 存在 の近くにd, the UK has adapted to 制限s better than thought when it comes to doing 商売／仕事.We discuss the prospects for 回復 and also the 商売／仕事s that have pivoted and started-up over the lockdown year. 一方／合間, a growth 在庫／株 wobble in the US has sent Scottish Mortgage 事情に応じて変わる, but a 早い bounce 支援する erased some of those losses. Should 投資家s be worried or is it a buying 適切な時期?

The 予算 this week was 著名な for two things: Firstly, The （ドイツなどの）首相／（大学の）学長 decided to 延期する settling the coronavirus 法案 to another day and, secondly, the true 規模 of the women's underpaid 明言する／公表する 年金 スキャンダル was laid 明らかにする at £3billion. So, will Rishi's Sunak's third 予算 in a year be what Britain's economy needs to 達成する escape velocity as lockdown 緩和するs (and hopefully never comes 支援する)?

Rumours are 渦巻くing ahead of the 予算 that Rishi Sunak will 延長する the stamp 義務 holiday by three months? The idea is that this would help stop the 崩壊（する） of chain after chain as 買い手s pull out, renegotiate or have to find more money if they 行方不明になる the 最終期限. But wouldn't a three-month 延期する just kick the can 負かす／撃墜する the road by another 12 weeks and lead to another cohort of 買い手s 潜在的に 影響する／感情d? Would it be better to just make the stamp 義務 holiday a 永久の vacation from a bad 税金?

Since the stamp 義務 holiday （機の）カム in last summer, there has been a 所有物／資産／財産 market 小型の-にわか景気 にもかかわらず the 現在進行中の coronavirus pandemic. Is it losing puff yet and if not, when is it going to run out of steam and will we see the 税金 holiday 延長するd?

Why didn't GDP 落ちる in the final stretch of last year, is there any way we could we claw our way to growth, and how bad was the coronavirus year of 2020 for the UK? Also on the show, are we finally going to see an end to the scam refund 宝くじ from banks for those conned into sending money to fraudsters? Why has Tesla bought bitcoin, what does it mean and what on earth is Elon Musk playing at with his crypto tweets at the moment?

投資するing mistakes can be の中で those that are 堅い to swallow and own up to. Often the easiest thing is to 小衝突 them under the carpet and try not to think about it too much. But looking at where we slipped up and learning from it is an important part of long-称する，呼ぶ／期間／用語 投資するing. We discuss what can go wrong and 招待する you to 株 your 失敗s.

The GameStop 株 saga is remarkable, but should it have been 許すd to get this far? Should the 貿易（する）ing 壇・綱領・公約s have tried to 阻止する this in the bud, should 監視者s 保護する small 仲買人s 伴う／関わるd and other 投資家s, or in a 解放する／自由な market should we just let people get on with stuff? We discuss that and whether it is really a 決起大会／結集させるing point for a financially disenfranchised 世代, or a get-rich-quick bandwagon 存在 jumped?

In 事例／患者 you hadn't noticed, bitcoin went on bit of a 涙／ほころび recently. And as the price of the 主要な cryptocurrency 急に上がるd again, so did the number of stories written about it. But the 広大な 大多数 of those column インチs 焦点（を合わせる） on two things: bitcoin's price and should you 投資する? A question that's not so much asked is what should you do if you've 得るd handsome 利益（をあげる）s on bitcoin or another cryptocurrency?

More than five years since 年金 freedom arrived a 解答 to take the 苦痛 out of 投資するing in 退職 is 存在 lined up. Keeping a 年金 投資するd and 製図／抽選 on it as you choose in 退職 has 証明するd a very popular 選択. It is also a very tricky one to navigate - but now some simple help is at 手渡す, so will it 割れ目 the conundrum of 年金 freedom without the 苦痛? This, Santander 123 削減（する）s and big ticket インフレーション on the podcast.

It's probably been the gloomiest start to a year for as long as many can remember. So what happened? The UK 株式市場 jumped, of course. Contrary as this may seem, there is some logic to 投資家s buying into the hope that better times 嘘（をつく） ahead. On this week's podcast, Georgie 霜, 物陰／風下 Boyce and Simon Lambert look at what the fresh lockdown means for the economy and why 投資家s are choosing to look straight through it and develop a new appetite for buying British.

Making 予測s can be a 襲う，襲って強奪する's game and never has that 証明するd more true than for any made at the start of 2020. It's been an astonishing year, when the lives and freedoms we took for 認めるd were 劇的な 混乱に陥れる／中断させるd - and one where ordering people to stay at home 誘発する／引き起こすd the biggest 経済的な 衝突，墜落 in the UK since the 広大な／多数の／重要な 霜 of 1709. On this week's podcast, Georgie 霜, 物陰／風下 Boyce and Simon Lambert look 支援する over 2020 and by popular podcast listener 需要・要求する 連合させる it with the return of a socially-distanced Zoom Christmas taste 実験（する）.

Is buy now, 支払う／賃金 later the demon it's made out to be? Klarna, Laybuy and the 残り／休憩（する） of the 延期するd spending 乗組員 are coming in for lots of scrutiny at the moment. Shoppers love them and shops 支払う／賃金 them, but there are 関心s on over-spending and the cost of not 会合 支払い（額）s. On this week's podcast, we discuss the rise of the buy now, 支払う／賃金 later 会社／堅いs, how they work, how they make their money on 利益／興味-解放する／自由な credit, and why there are worries over what on the surface looks like a 広大な／多数の／重要な 取引，協定.

This week, a new in-depth 報告（する）／憶測 from the Wealth 税金 （売買）手数料，委託（する）／委員会／権限 recommended a one-off 'wealth 税金' on the richest 世帯s rather than 引き上げ（る）ing 税金s for the 集まりs. How would it work, could it be a good idea and how 人気がない would it 証明する? Simon Lambert, 物陰／風下 Boyce and Georgie 霜 take a look.

'Be greedy when others are fearful.' 過密な住居 Buffett's 投資 adage was 実験（する）d this year and those who followed it would be quids in. So, has the 適切な時期 to go 取引 追跡（する）ing passed? Could our own humble 株式市場 be one of the last places left where you can do it? Are we 行方不明の a trick and ignoring the fact the world has changed and there is no point talking about cheap value 投資s, just get on the tech train?

The car itself isn't going anywhere - just the way it is propelled - so how much difference will the 2030 禁止（する） on new 石油 and ディーゼル cars make? Is the rise of the electric car 必然的な anyway and even with Brexit is it more important what Germany, フラン and the 残り／休憩（する） of Europe choose to do, than what the UK decides? On this week's podcast, Georgie 霜, 物陰／風下 Boyce and Simon Lambert talk electric cars: from what the 転換 to them means, to what they are like to 運動, 告発（する），告訴（する）／料金 and live with.

There have been some （疑いを）晴らす 勝利者s and losers in the 回復する from the 株式市場 衝突，墜落 as coronavirus and lockdown 攻撃する，衝突する. There have been some （疑いを）晴らす 勝利者s and losers in the 回復する from the 株式市場 衝突，墜落 as coronavirus and lockdown 攻撃する，衝突する. So why did they rise so 堅固に, is this the much-先触れ（する）d switch from growth to value 投資するing and what does that even mean?

Murmurs from HSBC HQ this week 警告するd that an 精密検査する of its 商売／仕事 model could leave 顧客s 支払う／賃金ing a 月毎の 料金 for their 経常収支s. This week, Simon Lambert, 物陰／風下 Boyce and Georgie 霜 ask whether this is really a 可能性, if banking 現実に is 解放する／自由な anyway and what happens next.

When lockdown arrived in March it sunk the UK economy. The message was （疑いを）晴らす: Stay home. And people did just that; there was a 劇の 転換 to either working from home or shutting 負かす／撃墜する 商売／仕事s 完全に. Now a second lockdown has arrived for England and the message is once again stay home, but things are very different this time: かなり more remains open. So, what happens now to the economy?

Lockdowns across Britain's major cities, the tier system and more 商売／仕事s 存在 軍隊d to の近くに their doors or operate far below usual 商売／仕事 levels means the direction of travel has 転換d 劇的な from the summer's 楽観的な 再開するing of the economy. It's likely that the UK will 現れる from 後退，不況 with growth over this ４半期/4分の1, but is it on 跡をつける to 長，率いる straight 支援する into another 低迷?

While the world worries about coronavirus, there is another １０年間-defining event going on - the US 選挙. t's not normal circumstances though. The second wave of coronavirus and 新たにするd lockdowns have the world's attention and the 選挙, if not a sideshow, is definitely not as centre 行う／開催する／段階 as we would usually 推定する／予想する. So, does that mean it doesn't 事柄 for 投資家s, or should be thinking about it and positioning themselves for the 結果?

The cornerstone of the 総理大臣's 保守的な Party speech this week was turning 世代 Rent into 世代 Buy with 明言する／公表する-支援するd 95 per cent mortgages. The idea is that this will help first-time 買い手s frozen out by the need for big deposits - and 連合させるing it with long-称する，呼ぶ／期間／用語 直す／買収する，八百長をするd 率s will 減ずる 危険?

Lockdown Britain has produced a nation of savers, ONS 人物／姿／数字s showed this week, with people salting away almost 30 per cent of their 使い捨てできる income on 普通の／平均（する）. But for those hoping that we might finally have got the 貯金 habit, there's a catch. Those 人物／姿／数字s cover April to June, a three-month period when most shops were shut, along with pubs, restaurants, hotels and B&Bs, and going on holiday was a 近づく-impossible 仕事. 奪うd of the 適切な時期 to spend, Britain put money aside instead - but is not spending the same as saving?

にもかかわらず some 井戸／弁護士席-desrved scepticism, talk of a 所有物／資産／財産 market more buoyant than it's been in years, of viewings and 申し込む／申し出s flooding in and family homes in hot 需要・要求する, doesn't seem to just be the usual 広い地所 スパイ／執行官 guff. The stamp 義務 holiday and lockdown itchy feet have 連合させるd to make parts of the market a 販売人s' one, so as a 買い手 what can you do to get a decent 申し込む／申し出 受託するd and 避ける overpaying?

As if 2020 wasn't already 証明するing to be a painful enough year, 詐欺 has 急に上がるd in lockdown. 事例／患者s are up 43 per cent in lockdown, によれば 活動／戦闘 詐欺 人物／姿／数字s, and the 量 lost is up a staggering 286 per cent - meaning a 犠牲者 loses £8,000 of their 貯金 in 普通の／平均（する） every minute. So could you 落ちる 犠牲者 to lockdown 詐欺?

The coronavirus 危機 is still here, waves of 職業 losses keep on coming and almost everyone is agreed there is more bad news to come.Yet, 株 in the US and house prices in the UK are on the up. Is there anything behind this other than cheap central bank money and the belief that it will keep flowing and propping up 資産 prices? On this week's podcast Simon Lambert and Georgie 霜 look at the 平行のs and differences between the British and American 国家の obsessions of the 所有物／資産／財産 market and 株式市場.

A large chunk of 労働者s are unaware that their 年金 貯金 are 投資するd in the 株式市場. Why does that 事柄? 物陰／風下 Boyce and Georgie 霜 take a look. 一方／合間, there is a 報告（する）／憶測d 不和 at the 最高の，を越す of 政府 over the 明言する／公表する 年金 ３倍になる lock - what could happen to it?

Since the start of lockdown in March, more Britons have ordered supermarket shopping online to be 配達するd to their door to dodge the （人が）群がるs and （警官の）巡回区域，受持ち区域 the 列ing mayhem. This could be perfect time for 示すs & Spencer, who will start its long-を待つd tie-up with Ocado at the start of September, as the latter ends its 20 year long 関係 with Waitrose.

We are in the worst 後退，不況 in living memory for the UK with GDP 急落するing by 22.1 per cent in the first six months of 2020. But strange as it may sound, does that 事柄? We knew things would be terrible as the coronavirus lockdown 圧力（をかける）d the pause button on the economy and people's lives. The question is, what next?

Most personal 投資家s are just ordinary people trying to grow their wealth over the long 称する，呼ぶ／期間／用語 - and like the 全住民 捕まらないで many of them care about the world around them. But while it has never been easier to be a DIY 投資家, how often do people really think about where their money is going and what it is doing? On this second This is Money 投資するing special podcast, Simon Lambert is joined again by 略奪する Morgan, Charles Stanley Direct's 年金s and 投資 分析家, to 調査する the world of socially responsible 投資するing.

The Bank of England 昇格d its 見解（をとる） on the economy for this year, 説 GDP will only 落ちる by a worst-in-a-century 9.5 per cent rather than a worst in 300-半端物 years 14.4 per cent. It also hinted that 消極的な 率s could do more 害（を与える） than good, so does that mean they are off the （米）棚上げする／（英）提議する for the UK? We discuss 消極的な 率s: what's the point, do they have any 肯定的なs and beyond costing savers' 利益／興味 how would they 証明する harmful?

After a 広大な／多数の／重要な 取引，協定 of fuss about 空気／公表する 橋（渡しをする）s and people 存在 able to go on summer holiday, things suddenly changed last 週末. A swift about turn saw a 14 day 検疫 period 課すd for those arriving in the UK from Spain at just six hours' notice. So is this the end of summer holidays for 2020? We talk holidays, travel 保険, refunds, and whether even a staycation is 安全な.

Over the long-称する，呼ぶ／期間／用語 投資するing in the 株式市場 has proven to be the best way to （警官の）巡回区域，受持ち区域 インフレーション and grow your wealth. But how do you know when the time is 権利 to start? What are the things to consider when working out what 投資s might 控訴 you? And do you need to wait until you are 豊富な before you become an 投資家?

The （ドイツなどの）首相／（大学の）学長 has ordered an 緊急の 資本／首都 伸び（る）s 税金 review which could 攻撃する，衝突する many homeowners and 投資家s, depending on the 結果. On this week's podcast, Simon Lambert, 物陰／風下 Boyce, and Georgie 霜 look at what changes could be coming for CGT and why.

The showstopper was a big stamp 義務 削減（する）, the important element was about keeping 職業s afloat, and the rabbit out of the hat was a 広大な／多数の／重要な British meal 取引，協定. But the question is, was Rishi Sunak splashing the cash in the summer 声明 enough to get the nation's 信用／信任 支援する in the wake of the coronavirus 危機, or will real 回復 要求する more 負かす／撃墜する the line?

The （ドイツなどの）首相／（大学の）学長's coronavirus 救助（する） 計画（する） for the British economy has been bold and big, but one important part of the 全労働人口 feels somewhat hard done by. A chunk of the self-雇うd have been 除外するd from Rishi Sunak's support in a way that 従業員s have not. Anyone who is self-雇うd and has made more than £50,000 in 最近の years gets no help どれでも. Is this fair?

In an unpredicted turn of events, the coronavirus lockdown has been good for some when it comes to their bank balances, but others have not been so lucky. For many, lockdown has resulted in 黒字／過剰 cash to tuck away thanks to spending いっそう少なく on everyday life - but for others, the pandemic may have resulted in a loss in income. We dive into the 人物／姿／数字s to see what's going on and whether 貯金 率s will continue to 急落する.

The number of mortgages 利用できる for those with a 10% deposit has 急落するd by 90% compared since the start of March - should we be 関心d and is this 誘発する／引き起こすing a mortgage credit crunch? Editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 take a look.

There has been a 記録，記録的な／記録する rise in new 投資家s in Britain during lockdown data 示唆するs, with novices 運動ing the change.What do you need to get started? This is Money editor Simon Lambert 明らかにする／漏らすs to host Georgie 霜 what first timers need to know on building a diverse 投資 大臣の地位.

before coronavirus we were all told public 輸送（する） was a good thing, now with 制限s 緩和 and Britain slowly going 支援する to work, people have been told to 活発に 避ける it. Does that mean the 必然的な return of the car, or with?the 政府 約束ing billions to create a new 時代 for cycling and walking, is there a brighter and greener 未来 for mobility? Could one of the 重要なs be electric bicycles and scooters? We discuss that and more on this week's podcast.

It's nearly June, the sun is 向こうずねing, and 権利 about now people would usually be 熱望して 心配するing summer breaks they've 調書をとる／予約するd, or planning where to go away. On this podcast, we talk holidays: where to go, when you might be 許すd to, and the all-important 財政上の 味方する 伴う／関わるing 調書をとる／予約するing, 取り消しs and refunds. And finally, what about 選ぶing for 先頭 life instead?

This week, a 政府 社債 auction saw UK gilts sold at a 消極的な 率 for the first time, while Bank of England boss Andrew Bailey 辞退するd to 支配する out the base 率 flipping below 無. Simon Lambert, 物陰／風下 Boyce and Georgie 霜 look at the weird world of 消極的な 率s - an upside 負かす／撃墜する where 投資家s 効果的に 支払う／賃金 to lend the 政府 money, banks are 告発（する），告訴（する）／料金d 利益／興味 for depositing 基金s with the Bank of England, and you'd 結局最後にはーなる 存在 stung rather than rewarded for saving.

A This is Money 調査 has 明らかにする／漏らすd a string of women who have been underpaid their 明言する／公表する 年金, but are they just the tip of an iceberg? On this week's podcast, our 年金s agony uncle Steve Webb and Tanya Jefferies discuss their 調査（する） into the 事柄. 加える we discuss the 再開するing of the 所有物／資産／財産 market and whether house prices will 落ちる and the furlough 計画／陰謀 拡張.

In all but 指名する it's now the Santander 1, 2, 0.6 account and that doesn't やめる have the same attraction. The 最新の Santander 123 account 率 削減（する）, trying to turn a 利益（をあげる） on mortgage holidays, how we 支払う／賃金 for the coronavirus 危機 and furlough 計画／陰謀 and the 衝突，墜落 in car sales all feature on this week's This is Money podcast.

s this the 株式市場 signalling the start of a coronavirus 回復, or have 投資家s 単に been piling in driven by Fomo - the 恐れる of 行方不明の out? On this week's podcast, we look at the 決起大会／結集させる, what's 運動ing it - beyond Fomo - and the history of 誤った 夜明けs in 株式市場 衝突，墜落s, known as the dreaded dead cat bounce. 加える, how Britain gets 支援する to 商売／仕事, tips for 勇敢に立ち向かう holiday bookers and 40-year-old cars that are now classics. Fiat Panda, anyone?

Should you save cash and 受託する low 利益／興味 率s, or 投資する and take the 危険 that you could lose money? This is the perennial 窮地 for those with some money to 始める，決める aside, who are looking to build their wealth. And it's not been made easier by a rollercoaster 20 years. On this episode of the This is Money podcast, we look at how the 選択s fare over the long-称する，呼ぶ／期間／用語, 加える house prices and the 商売／仕事s fighting 保険会社 Hiscox over coronavirus.

The 経済的な 破壊 of the coronavirus 衝突，墜落 was laid 明らかにする in a 報告（する）／憶測 from the Office of 予算 責任／義務 this week. But although the OBR 予測（する） an astonishing 35% 低迷 in UK 生産（高） in the second ４半期/4分の1 of this year - with a three-month lockdown - the other 味方する of its chart showed a 相当な bounce-支援する. What will we need to do for that 回復 to happen - and what will it look like?

It can be 堅い to find good news at the moment but we go looking for some on this special podcast to celebrate spring having sprung. And まっただ中に the coronavirus gloom, there are some good news stories to tell, from how Britain has adapted to working from home, to the 評価 for our valued frontline 労働者s and NHS staff, the entrepreneurs 捜し出すing 適切な時期 in adversity and the ways people are finding to still stay social with friends and family.

Until a few weeks ago, it's ありそうもない many Britons had ever considered what 存在 furloughed would mean, but now it's the topic on many 労働者s' minds. It lies at the heart of the 政府's coronavirus 職業s 救助（する） 計画／陰謀 - as it 捜し出すs to 茎・取り除く redundancies and 申し込む／申し出s to 支払う／賃金 80% of their 給料 up to £2,500 a month. But is 選ぶing up the 行う 法案s of big 商売／仕事s a wise move, will it help save 職業s and is the price 価値（がある） 支払う／賃金ing because the cost of not doing it is worse?

The 政府 has told people not to move home while the coronavirus lockdown is on, and the 所有物／資産／財産 market has been frozen as 広い地所 スパイ／執行官s are 教えるd not to do viewings and valuations and 調査するs can't happen. まっただ中に all this, many are asking the 必然的な question: 'What will happen to house prices?'

商売／仕事s and 労働者s 危険 going 破産した／（警察が）手入れする on an almost 前例のない level, unless a coronavirus 救助（する） 計画（する） that 作品 can be cooked up, but how strange will that look? ヘリコプター money, people's QE and a 全世界の／万国共通の basic income are three of the 高度に unusual 対策 示唆するd, but is that wise?

How did Rishi Sunak 成し遂げる in his first 予算 as （ドイツなどの）首相／（大学の）学長? Why did 株式市場s 衝突，墜落? And why did the base 率 落ちる to 0.25%? On this week's podcast, Simon Lambert, 物陰／風下 Boyce and Georgie 霜, dissect what has been one of the most 騒然とした weeks in living memory.

We talk talk cash 貯金 取引，協定s, the best services to 投資する, and how to 打ち勝つ the 恐れる that coronavirus-induced 株式市場 落ちるs have 配達するd. どこかよそで, we discuss the best new cars of the Geneva モーター Show that got cancelled but had its 開始する，打ち上げるs online and 物陰／風下 Boyce 割れ目s open a low-alcohol beer at Adnams brewery, in Suffolk, and asks: has the taste become better... and why?

On this episode of the Making the Money Work podcast, comedian Shappi Khorsandi joins Andi Peters and Simon Lambert to discuss how she built a career in comedy, her unusual life as the daughter of an 追放するd Iranian poet - and how she once 雇うd Alan Carr to work in a charity call centre.

This week, 貯金 have been in sharp 焦点（を合わせる） with 国家の 貯金 and 投資s cutting 率s on a number of its offerings, 含むing popular 賞与金 社債s. On this week's podcast, Simon Lambert, 物陰／風下 Boyce and Georgie 霜 look at what's behind the 削減（する）s and question: should savers 長，率いる どこかよそで and what is the point of tucking money away for little 利益／興味?

We talk to writers, comedians, podcasters and performers Tessa Coates and Stevie ツバメ about how you can make your money work if you work in the creative 産業. From hosting their podcast Nobody Panic, to 存在 in comedy trio 大規模な Dad, 令状ing scripts and articles, and putting on Edinburgh shows, the pair have a lot of things to juggle. So how can you get ahead in the creative world? We find out.

This week started with rumours of a 年金 税金 救済 削減（する） and mansion 税金, saw the （ドイツなどの）首相／（大学の）学長 落ちる on his sword, and ended with people 非，不，無 the wiser about whether a 予算 税金 （警察の）手入れ，急襲 is more or いっそう少なく likely after all that. The question is whose idea 議論の的になる 計画（する）s were and whether they are now on the cards (or was it all just a bit of Machiavellian manoeuvring)? We delve into the （ドイツなどの）首相／（大学の）学長 saga, what we know about the new man, and what could happen in the 予算.

Would you 交換（する） your car for an electric one? If the 政府 gets its way, soon many more of us will have to. The 提案するd 禁止（する） on selling new 石油 and ディーゼル cars was dragged 今後 by five years to 2035 this week. We look at the logic behind banning the sale of 石油 and ディーゼル cars, whether the move can be pulled off and why hybrids are now also on the naughty 名簿（に載せる）／表（にあげる）.

Alastair Humphreys has cycled 一連の会議、交渉／完成する the world, run the Sahara and been to the 北極の but he also wants to encourage ordinary people to have cheap microadventures. He joins Andi Peters and Simon Lambert on the third episode of the Making the Money Work podcast to tell us about 基金ing the life of an adventurer, building a career out of his 偉業／利用するs and why you should go sleep on a hillside under the 星／主役にするs this summer.

It's Brexit Day. After 11pm on Friday 31 January 2019, Britain is 公式に no longer a member of the European Union. The big question is, what happens next? On this week's podcast, we discuss both what Brexit means すぐに for 消費者s and travellers, and how things may pan out for the economy and our 財政／金融s over the year ahead.

It's 税金 return time. The organised will have 安全に とじ込み／提出するd their 税金 returns long ago, but there are still plenty of people who don't yet feel the last minute has arrived. But what if you are meant to fill in a 税金 return and don't realise? That and why did new overdraft 支配するs backfire, are 挑戦者 banks biting and what are the cars that 持つ／拘留する their value best are the questions we 取り組む on this week's podcast.

Santander making more changes to its 123 経常収支, the rise of buy now, 支払う／賃金 later 会社／堅いs, how 平易な it is to get retrospective planning 使用／適用s 受託するd and 推論する／理由s why an SUV might not be a wise car buy all feature on this week's podcast.

It's not just '緊急' low 利益／興味 率s that have 傷つける savers, banks and building societies 土台を崩すing them with 激しく揺する 底（に届く） 率s on 遺産／遺物 accounts has also played a major part. The FCA's 計画（する） to 救助（する） savers from low 率s and the 忠義 刑罰，罰則, how house prices fared in the past １０年間 and what happens next, and 計画（する）s for the 予算 feature on this week's podcast.

Does Woodford trump Brexit and the 選挙, were you more 関心d about the wealth gap, or do all those pale into insignificance next to the challenges of 気候 change? On this week's podcast, Simon Lambert, Georgie 霜 and Tanya Jefferies discuss the money stories that 形態／調整d the final year of a tumultuous １０年間.

What does the victory mean for the 続けざまに猛撃する in your pocket, the economy, Brexit and what 計画（する）s are there in the 保守的な manifesto that could 影響する／感情 your personal 財政／金融s? We look at what could happen to your 投資s, 年金s, 税金, the 所有物／資産／財産 market, family 財政／金融s, 利益／興味 率s, social care and 輸送（する）.

One of the biggest 選挙 問題／発行するs is the 戦う／戦い over the economy and our personal 財政／金融s - and there's a sizeable difference between 労働's 税金 and spending 計画（する）s for Britain and those of the Tories. So what do all the 選挙 約束s and 計画（する）s mean for you? On this podcast we dig into the 労働, 保守的な and 自由主義の 民主党員 manifestos to find out.

労働's 選挙 manifesto has been 明らかにする／漏らすd and it 伴う／関わるs a 抱擁する £82.9bn spending spree - to be 基金d by a 類似の 税金 rise. On this podcast, Simon Lambert, Georgie 霜 and 物陰／風下 Boyce run through the main 財政上の points of 労働's manifesto, with a look at all the parties' 計画（する）s 予定 at a later date after the Tory manifesto lands.

It could be you. It probably won't, of course, but maybe, just maybe, it could be. That's the attraction of Britain's 宝くじ for its millions of players and this week it reached its 25th birthday.We look at 25 years of the 宝くじ and the story of a couple, Elaine and Derek, from Newcastle who won £2.7million すぐに after the game started. So what did they do with the money - and what would our podcast team do with the money?

What's the best new or used electric car, would buying your 保険 on the day you need it 運動 up the price, and does London's ディーゼル-crunching ULEZ make sense? Those are the questions and more on this モーターing special 版 of the This is Money Podcast, where the team also take a look at buying used parts and the new VW ゴルフ.

保険 （人命などを）奪う，主張するs for 押し込み強盗 rise by a third in the winter months and いつかs it can be 負かす／撃墜する to 世帯s not doing basic checks. This week, editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 take a look what you can do to 保護する your home. 加える, we talk （人命などを）奪う，主張するing 支援する money on credit cards and whether it is 価値（がある） 支払う／賃金ing off a student 貸付金?

What's the difference between 忠義 and inertia when it comes to Britons and the banks, supermarkets, energy 供給者s and other 財政上の 会社／堅いs we use? That's the question editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 取り組む in the podcast this week.

Neil Woodford's 公正，普通株主権 Income 基金, which has locked in 投資家s' money since June, will never 再開する - the 星／主役にする 基金 経営者／支配人 has seen his empire come topping 負かす／撃墜する. Editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜, ask: what is next for 投資家s and what lessons will be learned?

If you want a good 取引，協定, an undervalued 適切な時期, or a fixer-upper to make money on buy a home at auction. That's the ありふれた theory, but does it 現実に work in practice? On this week's podcast, we switch off Homes Under the 大打撃を与える and go watch some real life homes go under the 大打撃を与える at 所有物／資産／財産 auction.

It's crunch time for Brexit and things could go one of three ways, 取引，協定, no-取引，協定, or kick the can 負かす／撃墜する the road with another 拡張. This is Money looks at what the 最新の episode in the Brexit soap オペラ means for your money, from 貯金 and 投資s, to mortgages and holiday money - and whether it is too late to 保護する your 財政／金融s against no-取引，協定?

Under 自動車 enrolment a 労働者 must 支払う／賃金 8 per cent of their salary into a 年金. This 含むs their 出資／貢献, basic 率 税金 救済 and what their 雇用者 puts in. But is that enough? This week we dive into the world of 年金 saving and the tricks you can use to save more. Also on the show we discuss wills - and how to get one if you don't have one, and what you need to think about if you are moving house to try to get your kids into school.

The best time to get a good 取引，協定 on buying something is when other people don't want to. That should theoretically make now a decent time to try to buy a 所有物／資産／財産, but will that work in practice? On this week's podcast, we look at what's going on in the 所有物／資産／財産 market and how to take advantage, 加える energy saving myths, smart メーターs, offsetting your flights with 炭素 credits... and finding cheap 計画（する） tickets.

On this week's podcast, Simon Lambert and Georgie 霜 look at whether 過激な 計画（する）s to upend the UK's 税金 支配するs could become 労働 政策. And whether a 近づく half-price new car is still 価値（がある） it.

We look at why 貯金 率s have started to slip again, and how the mortgage price war, stuttering UK 所有物／資産／財産 market and even Donald Trump's 貿易（する） spat with 中国 fit in with that. 一方／合間, after one of the most tumultuous weeks in British politics - at the end of which we are still 自信のない whether a no-取引，協定 Brexit or General 選挙 are on the cards or out of the question - the team look at how to 保護する yourself against the fallout.

Assistant editor 物陰／風下 Boyce, reporter George Nixon and host Georgie 霜 run the 支配する over data 潜在的に 最高潮の場面ing the の間の-世代 財政上の divide. This 含むs ONS 人物／姿／数字s showing those in the 1980s have いっそう少なく 使い捨てできる income than the 世代 before.

It's fair to say 環境の 問題／発行するs have moved to the 最前部 of the 協議事項 in 最近の times - a large chunk of 世帯s in Britain are becoming more eco-conscious. This week, editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 take a look at 可能性のある changes you can make to help the 続けざまに猛撃する in your pocket turn a little greener.

This week, editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 look at a raft of 経済的な data and what it means for Britain - 含むing 通貨, 利益／興味 率s and 後退，不況 脅しs. We also take a look at how holidaymakers could save money on their 通貨 and whether looking into a １０年間-long mortgage 称する，呼ぶ／期間／用語 is a wise idea.

If you think you're too savvy to 落ちる 犠牲者 to a 年金 scam - or any scam for that 事柄 - you might want to think again. Almost half of 45-65 year olds would 潜在的に 落ちる 犠牲者 to six ありふれた 策略 used by fraudsters, 財政上の 行為／行う 当局 研究 （人命などを）奪う，主張するs.

Changes in 税金 支配するs that will be introduced next year could 攻撃する，衝突する the income of anyone who's self-雇うd - such as IT 専門家s and 商売／仕事 顧問s. Editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 look at why it is 存在 called a 'ticking timebomb' for 請負業者s.

Out go Theresa May and Philip Hammond, in come Boris Johnson and Sajid Javid - will it result in your 財政／金融s 落ちるing out of 最高の，を越す gear, or going on a grand 小旅行する? That's the question editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 取り組む this week, as we have a new 総理大臣 at the 舵輪／支配, and a new （ドイツなどの）首相／（大学の）学長 as his sidekick.

Could no 取引，協定 really happen? What would it mean for your money? The Office of 予算 責任／義務's 判決 is that it would cost us £30billion, 失業 would rise to 5%, the 続けざまに猛撃する would 落ちる 10% and house prices would go 負かす／撃墜する by the same 量. Do we ignore the 専門家s at our 危険，危なくする? Listen now.

It's 公式の／役人: IHT is the country's most hated 税金. That's によれば the Office of 税金 Simplification, who have been looking into the quirks of the system at the request of the （ドイツなどの）首相／（大学の）学長. What needs to change - and could a 労働 計画（する）, 泡ing away in the background, really be the answer? Editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 take a look.

Neil Woodford, his 商売／仕事, its associates and the entire 基金 管理／経営 産業 have been thrown under the スポットライト, but 最終的に, will all this fuss and fiasco make any difference? On this week's podcast, Simon Lambert, Georgie 霜 and Alex Sebastian look at what next for the 投資 world, what has changed and whether once the noise dies 負かす／撃墜する it will 簡単に be 支援する to 商売／仕事 as usual.

The bumper 料金s we 支払う／賃金 to 広い地所 スパイ／執行官s to sell our homes are a ありふれた 支配する, so what's not to like about one that 申し込む／申し出s to do it for 解放する／自由な? That's what Housesimple is 申し込む／申し出ing, so, what's the catch and would taking up this 肉親，親類d of 申し込む／申し出 be a good idea? On this week's podcast, Simon Lambert, Georgie 霜 and Will Kirkman dive into the murky world of selling houses and whether 広い地所 スパイ／執行官s are 価値（がある） their 料金s.

Two-thirds of savers are 存在 told to abandon final salary 年金s - and this is にもかかわらず the 財政上の 行為／行う 当局 説 that 助言者s should start with the 見地 this is not a suitable 選択. Are people getting the 権利 advice about their gold-plated 年金s? That's the question 取り組むd by editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 this week.

Much is made of the difficulties 直面するd by first-time 買い手s to get の上に the 所有物／資産／財産 ladder, but いっそう少なく talked about is the problem 直面するing second steppers and those looking to downsize. As growing families struggle to afford to move up the 所有物／資産／財産 ladder could intergenerational house-交換（する）s be the answer?

Tesco Bank has 溝へはまらせる／不時着するd mortgages, while a string of other smaller players have shut their doors in 最近の months, and building society behemoth 全国的な 問題／発行する its own 警告を与える on home 貸付金s this week? On this week’s podcast, we dive into what is 現在／一般に a weird world of mortgages: where a greater 供給（する） of money to lend than 需要・要求する to borrow means there are some very cheap 取引，協定s on 申し込む／申し出.

There are no 不足 of cautionary tales that tell us it is better to be happy than rich, but does it 事柄 if some people have an awful lot more money than others? We dive into the snapshot of Britain that arrived with a new 熟考する／考慮する into 不平等, explain how to work out how rich you are and where you stand の中で Britain's earners, and discuss how to make things better.

Many people say they would like to have a 割れ目 at a grand design of their own ? or even a more modest one ? but finding somewhere to build it is a problem. That’s why にもかかわらず self-建設業者s typically turning an 即座の paper 利益（をあげる） of 15 to 30 per cent not many of us take the 急落（する），激減（する）. Things could be about to change for the better, however, we look at how to build your own home and whether the 計画（する） to raise self-build’s profile will work or fizzle out.

Social care is a 開始するing problem for Britain but the 問題／発行する is a can that has been kicked 負かす／撃墜する the road 繰り返して. This week a new suggestion 現れるd 伴う／関わるing a 引き上げ（る） in 国家の 保険 出資／貢献s for over-50s.

We 港／避難所't glued ourselves to train carriages ? instead, we dish out useful tips and tricks that are good for the 惑星 同様に as your wallet. We also 明らかにする／漏らす why the Toyota Prius topped a satisfaction 調査する - and the 大多数 of the cars in 最高の，を越す 10 名簿（に載せる）／表（にあげる） are eco-friendly.

TSB says defrauded 顧客s will now always get their cash 支援する, which has piled 圧力 on other banks to do the same. But will they ? and should they have to? That's the question assistant editor 物陰／風下 Boyce, reporter George Nixon and host Georgie 霜 取り組む in this week's podcast.

This week's podcast 申し込む／申し出s an 平易な-to-follow guide to all the changes to our 税金s that have come into 軍隊. And do not 行方不明になる the wonderful Simon Lambert rant about the lies he was told by Virgin 動きやすい as 国家の Price 引き上げ（る） Day sends all our 法案s in the wrong direction.

On this week’s podcast we look at what led to the 詐欺 調査 at London 資本／首都 and 財政／金融, where thousands of ‘savers’ lost millions of 続けざまに猛撃するs and explain the dark 味方する of 小型の-社債s, 貯金 accounts that look too good to be true and how to 投資する if you're still in your teens.

Brexit didn't happen today, but one event 始める，決める in 石／投石する each year is the end of the 財政上の year. That happens on 5 April, and it means the clock is ticking if you 港／避難所't sorted your Isa or 年金. Editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 have an Isa special for your ears this week.

The 政府 wants to 捨てる gas boilers in new homes by 2025 ? but what are the viable 代案／選択肢s? And how much will they cost? This week, This is Money editor Simon Lambert, reporter Grace Gausden and host Georgie 霜 調査する the 選択s.

The 全体にわたる 税金 take is now 同等（の） to 34.6 per cent of Britain's economy, a level not seen since Harold Wilson was 総理大臣, how and why has that happened - and where's it going? 一方／合間, with all the shenanigans in Westminster this week you could be forgiven for failing to 登録（する） we had a Spring 声明 at all ? let alone clocked its finer points. We fill you in on what you may have 行方不明になるd.

Put on your party hats ? it's Isa season! After years in the doldrums could we have a proper Isa 戦う／戦い on our 手渡すs in 2019? Santander and Coventry Building Society have 開始する，打ち上げるd two best buy 平易な-接近 税金-解放する／自由な 取引，協定s, and that appears to have put some 勝利，勝つd in the sails of our man 物陰／風下 Boyce. That and more on this week's podcast.

This week, editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 answer the question: what would you do if you 伸び（る）d a windfall, big or small? What does it mean to 勝利，勝つ big and what are the first things you need to think about if you’re lucky enough to come into some cash?

High 所有物／資産／財産 prices and ますます 複雑にするd families are 存在 非難するd for the rise in 論争d wills, but would you challenge one and what's the most ありふれた 推論する／理由 for doing so? Listen to this week's podcast, also featuring house prices, coffee habits, Lloyds 株 and 救急車 chasers

インフレーション has slipped to 1.8%, while the Bank of England has downgraded growth and 示すd 利益／興味 率 引き上げ（る）s are on 持つ／拘留する. But at the same time, 給料 are rising by more than インフレーション and 失業 remains low. So has the clock already started ticking on a 減産／沈滞 in the UK economy, or is this just some pre-Brexit jitters that could 結局 be followed by a bounce? We look at what next.

投資するing has proven to be the best way to （警官の）巡回区域，受持ち区域 インフレーション and grow your wealth over the long-称する，呼ぶ／期間／用語, but how do you get started? And if you do already 投資する but feel you’ve lost 跡をつける of your goals or ended up with a jumble of 投資s, how can you 改善する things? We 破産した／（警察が）手入れする the jargon, look at why people should 投資する, how to get started, what 投資s you can choose and how to find the 権利 ones for you.

When 貯金 is について言及するd, the first thought that springs to mind for many is: 率s are low, what's the point? Also, how do you save for your children, what about Isas, does higher 危険 equal higher reward and how do you save for a house? We take a look in the 最新の This is Money podcast special.

インフレーション has の近くにd in on the long-称する，呼ぶ／期間／用語 的 of two per cent - does that mean an 利益／興味 率 rise off the （米）棚上げする／（英）提議する in 2019? And what does it mean for savers? Assistant editor 物陰／風下 Boyce and host Georgie 霜 talk about the 最新の インフレーション 人物／姿／数字s in the This is Money podcast - 含むing why it has fallen, where it is 長，率いるing next and what it means for savers.

Retailers sounded the alarm 早期に when advent brought a string of 警告s about a terrible November, but this week we started to find out what the 決定的な festive period really brought. On this week's podcast, This is Money's 小売 専門家 Emily Hardy, joins Simon Lambert and Georgie 霜 to 精査する through the 人物／姿／数字s and look at who did 井戸／弁護士席 and who didn't.

の中で last year's big stories was the 70th 周年記念日 of our beloved health service and whether we are 用意が出来ている to 支払う／賃金 for it through higher 税金s. Our （選挙などの）運動をする to out the rogue, いつかs 犯罪の, 私的な car park operatives began with a vengeance and will continue long into 2019. Simon Lambert, 物陰／風下 Boyce and Georgie 霜 look 支援する at our biggest stories of last year - and what might be coming up next.

Happy Christmas and welcome to the last This is Money podcast of 2018. We cover the ghosts of Christmas past, 現在の and 未来, with a look at what has gone wrong for high street, five 推論する／理由s why you should think twice about giving gift cards and how you can give friends and family a gift that will last through 2019, by helping them to 避ける the 忠義 刑罰，罰則. 加える, assistant editor 物陰／風下 Boyce takes the reins for the 悪名高い This is Money Christmas taste 実験（する）

Nobody can escape the Brexit bedlam that has been playing out before our 注目する，もくろむs, 特に in the last week. In our 最新の podcast special, we discuss the 最新の 開発s. In between backstops, 貿易（する） 取引，協定s, Norway, contempt of 議会, no-信用／信任 投票（する）s and the small 事柄 of what happens in just over three months' time... what is really going on and what does it mean for British 商売／仕事 and your money?

It might not be on the 最高の，を越す of your to-do 名簿（に載せる）／表（にあげる） when you have a child, but 投資するing and saving for them to build a tidy nest egg for when they reach adulthood is best done sooner rather than later.

相続物件 税金 is a conundrum. Just 5 per cent of 広い地所s 現在／一般に 背負い込む it but it's been 投票（する）d Britain's most 不公平な major 税金. Even with the number of deaths 攻撃する，衝突する by it 推定する／予想するd to 二塁打, it will still only 影響する／感情 a small 割合 of people, but it seems we just don't like the 概念. Now a 公正に／かなり damning 公式の／役人 報告（する）／憶測 into it has been 解放（する）d, so how do we solve the problem?

A year ago bitcoin could do no wrong - now it has 低迷d to 79 per cent below its 頂点（に達する）. That's not to say it has no use - the cryptocurrency and underlying 科学（工学）技術 are fascinating - but just because something has some value does not mean it can't 結局最後にはーなる in a 泡. We look at what went wrong for the cryptocurrency and 投資家s.

Editor Simon Lambert and host Georgie 霜 talk about bank 詐欺 and our long-running （選挙などの）運動をする to help 保護する our readers from the growing 罪，犯罪. We also talk about a new Virgin Money airmiles credit card, Vanadium and the 所有物／資産／財産 market.

Are you trying to save for 退職, make the most of your income in old age, navigate the 明言する／公表する 年金 maze, or just feel baffled by some bit of 年金 jargon? In the This is Money podcast this week, former 年金s 大臣 and our 正規の／正選手 columnist, Steve Webb, is on 手渡す to help you out.

In the This is Money podcast this week, editor Simon Lambert, assistant editor 物陰／風下 Boyce and host Georgie 霜 analyse the 2018 予算. Money for the NHS, little extras for schools, money for roads, help for the high street and the baby rabbit in the hat, pulling 今後 a year 早期に of the rise in the basic and higher 率 税金 thresholds to £12,500 and £50,000, それぞれ.

In the 最新の This is Money podcast, editor Simon Lambert and host Georgie 霜 discuss what's 原因（となる）ing 株式市場 騒動, how long will it go on for and how 関心d we should be. We also 明らかにする／漏らす the 株 that have ロケット／急騰するd in the last five years, a question about 相続するing 明言する／公表する 年金s and the best way to 捕らえる、獲得する a 所有物／資産／財産 取引.

This week, we have a pre-予算 special. What could be in that little red box on Monday 29 October 2018 and what should definitely stay out? We also discuss how the economy is looking ahead of Brexit and how big is the 脅し from Jeremy Corbyn and co.

This week, This is Money 開始する，打ち上げるd another new （選挙などの）運動をする and we have the 私的な parking sharks and the DVLA in our sights. We talk about the 事例／患者s we have received from readers and listeners so far, ask how the DVLA is able to sell our 詳細（に述べる）s on and what can be done about the menace - along with what we want changed.

Some mums or dads who stopped work to look after children are now finding they've 行方不明になるd building up their 明言する／公表する 年金. We explain why this needs to be 直す／買収する，八百長をするd. Also, on this show, why banks and building societies are cutting mortgage 率s, にもかかわらず the Bank of England raising 率s. And can you really have a 週末 away in Europe, flights and a decent hotel for £57?

The 報告（する）／憶測s of buy-to-let's death have been 大いに 誇張するd. That is the 見解（をとる） of one of the few professional 居住の 所有物／資産／財産 基金 経営者／支配人s in the UK. In this week's podcast, Simon Lambert, Sarah Davidson and Georgie 霜 dig into the 現在の 明言する／公表する of buy-to-let and whether those without an entire 所有物／資産／財産 基金 at their 処分 can still turn a healthy 利益（をあげる） if they think long-称する，呼ぶ／期間／用語. 加える, Marcus' big 貯金 取引，協定, 保険会社s 秘かに調査するing on you and new car 取引s.

As banks went kaput a １０年間 ago, the safety of our 貯金 was thrust into the limelight. Ironically, a flight to safety led more people to save rather than 投資する, but had people 投資するd as Lehman Brothers 崩壊（する）d they would have more than 二塁打d their money by now. So what can we learn from all this?

What do you do about the ぼんやり現れるing 相続物件 税金 脅し when you live with your 年輩の parents along with your own child and the home is 価値（がある） nearly £10million - and you want to continue living there?

We don't have to send our offspring off to university ill-equipped to を取り引きする suddenly 存在 in 告発（する），告訴（する）／料金 of their 財政上の 事件／事情／状勢s - these helpful tips can stop all students from running out of cash before the clocks even change

設立するd banks, 挑戦者s, fintech 会社／堅いs and 支払い（額）s providers - they all have one thing in ありふれた: 非，不，無 of them are 免疫の to IT problems. In this week's podcast, we talk about a cashless Britain, Wonga, Lloyds Bank, Aston ツバメ - and Ferrari versus Lada.

Buying a home, whether it is your first-time or not, can be a daunting experience. In our podcast special, we 明らかにする／漏らす tips and tricks from start-to-finish of the 過程. We have tips on taking the 気温 of the 地元の 所有物／資産／財産 market, working out what you can really afford, what to 支払う／賃金, how much to 申し込む／申し出, how to do it and what happens next.

The 政府's £11bn 計画／陰謀 to 任命する／導入する 53m smart メーターs in homes and small 商売／仕事s by the end of 2020 has been 疫病／悩ますd by problems. In this week's podcast Simon Lambert, 物陰／風下 Boyce and Georgie 霜 question, is it time to rethink the smart メーター 押し進める?

From pubs to hotels and shops to 石油 駅／配置するs, Britain has gone parking mad. 私的な land owners have been 調印するd up across the country by 操作者s, who stick in (a)自動的な／(n)自動拳銃 numberplate 承認 cameras and then dish out tickets to 運転者s who stop there. We've had countless stories of over-熱心な 罰金s and this week 物陰／風下 Boyce 明らかにする／漏らすd how he fought 支援する after he was sent a ticket for stopping 簡潔に at a BP 石油 駅／配置する.

利益／興味 率s have finally risen above 0.5 per cent for the first time in almost a １０年間. But why did the bank 引き上げ（る） 率s, who will it 影響する／感情, why do 利益／興味 率s even move up and 負かす／撃墜する and how did they 結局最後にはーなる at 0.5 per cent in the first place? More crucially, how high will they go now and how 急速な／放蕩な? It's all on this week's podcast.

We're all going on a summer holiday! Don't worry, podcast fans, we aren't really, but we are dedicating this week's show to the lucky の中で you who are. We cover all things money from planning your holiday to arriving 支援する home again. We talk through what you need to know to make sure you have the best travel 保険 while you're away, to how to 支払う／賃金 for things and 身を引く cash while abroad to make your money go the furthest, to car 雇う tricks and getting 補償（金） if something goes wrong.

Working out what to do with a life-changing sum of money is a nice problem to have but that doesn't mean it's not tricky. We've all read the stories of 相続物件s, 宝くじ 勝利，勝つs and other windfalls squandered - and even if you have spent a lifetime building your wealth, whether through 投資するing or 商売／仕事, it would still be all too 平易な to 動揺させる through the cash. On this week's podcast we discuss how to enjoy some and 投資する the 残り／休憩（する）.

As the 政府 lays out its road to 無, we look at what it will take to tempt us into electric cars, and how long their 範囲 needs to be for drivers to take them 本気で. Also on this week's podcast, we 明らかにする／漏らす a 貯金 trick that could get you a 7 per cent return on £1,000, ask whether 直す／買収する，八百長をするing your mortgage for a １０年間 is wise and look at how likely England's world cup run is to 上げる the economy.

Marcus is coming to town - a new player in the 貯金 market, which could put some welcome 圧力 on 率s at last. 一方／合間, 率s are already starting to インチ up, with 直す／買収する，八百長をするd 率 accounts at a two-year high - so will they keep on rising? We discuss this and plenty more 貯金 news in the This is Money podcast. We also talk about how much we need to save for 退職, why a raffle to 勝利，勝つ a Brixton flat has just been 延長するd, and finally - can success in the World Cup really 上げる the economy?

The 国家の Health Service is 70 years old this year and most of us are proud of the British 会・原則, leaning on it in our times of need. However, we're living longer with more コンビナート／複合体 problems and the service keeps crying out that it needs more money. Should we 支払う／賃金 more 税金 for it?

What's the most important thing when you want to move home? Should you worry more about getting the best price or 簡単に about getting your home sold? In this week's podcast, editor Simon Lambert, assistant editor Rachel Rickard Straus and money 放送者 Georgie 霜 get to the 底（に届く） of why the 住宅 market is coming to a 行き詰まり and 明らかにする／漏らす the truth about the Paddington 耐える 50p coin '価値（がある） thousands'.

Whatever happened to bitcoin? After the mania at the end of last year when the price spiked to almost $20,000, the cryptocurrency took a 宙返り／暴落する but more noticeably attention has drained away. We take a look at who's buying, who's 持つ／拘留するing and who might be waiting for the price to rise again and greater fool theory to 配達する someone who will take their bitcoin off their 手渡すs.

The ramifications of the 騒動 in Italy have spread across the globe and will 影響する／感情 Britons from big-time 投資家s to anyone building up a 年金 マリファナ. We explain what's been going on. Also in this episode, editor Simon Lambert, presenter Georgie 霜 and personal 財政／金融 editor Rachel Rickard Straus talk about what you can do to stop your dream house move 落ちるing through, and whether 提案s to make 税金 on 貯金 and （株主への）配当s simpler will work - or just see savers 支払う／賃金 more 税金.

Money flipping is a Ponzi 計画／陰謀, plain and simple, but what is one of those and who was Charles Ponzi, the man the scams are 指名するd after? On this week's podcast, Simon Lambert, 物陰／風下 Boyce and Georgie 霜 step 支援する to America in 1920 to find out how Ponzi 急に上がるd and then 衝突，墜落d - and look at the new money flipping 計画／陰謀 that has brought an old trick to today's 数字表示式の age.

You don't need to spend long reading the news to find a 警告 that Britain isn't saving enough for 退職 - at particular 危険 are those who are self-雇うd, stopped saving into a 年金 at some point, or are just putting in the 明らかにする 最小限. But with a little bit of 成果／努力 it is possible to get 支援する on 跡をつける, we explain how in this special podcast.

High house prices mean that the biggest 障壁 to buying a home in Britain is raising a deposit. With mortgage 利益／興味 率s at 近づく 記録，記録的な／記録する low levels, many would be homeowners could afford 月毎の 支払い（額）s - but saving the 普通の／平均（する） £30,000 deposit would take years.There is another 大勝する with a 95% mortgage, but is that ever a good idea?

A 最高の，を越す bank has formed a 'money mule 追跡（する）ing squad', But should banks, universities and schools take more 活動／戦闘 to 妨げる young people getting sucked into this 詐欺? And as 全国的な starts turning away grandparents trying to deposit cash for their grandkids, what is behind this new 抑制（する） on everyday cash 処理／取引s?

As a 世代 retires with more money in their houses than the bank, it's no surprise that a fresh wave of 退職 利益／興味-only mortgages are on the cards. Homeowners could have a more comfortable 退職, （疑いを）晴らす some 負債, or 手渡す the kids an 早期に 相続物件. Is that a good idea or a recipe for 災害 - and how did we even 結局最後にはーなる here?

What has 示す Carney, the 知事 of the Bank of England, got to do with long-forgotten television soap Eldorado? Find out in the 最新の This is Money podcast, in which editor Simon Lambert and 消費者 事件／事情／状勢s editor 物陰／風下 Boyce discuss the インフレーション 人物／姿／数字s out this week and whether it has 増加するd the 見込み of a base 率 rise.

British Gas have 明らかにする／漏らすd this week that more than four million 世帯s 直面する a 5.5 per cent 法案 増加する from the end of May thanks to changes to its 基準 variable 関税. EDF have also 発表するd 引き上げ（る）s - it is time to fight 支援する and switch. Listen to the 最新の podcast.

Good news. Chances are you just got a 税金 削減（する）. 井戸／弁護士席 an 所得税 削減（する） at least, problem is the 政府 is after extra cash どこかよそで. So who are the 勝利者s and losers of the new 税金 year that rolled 一連の会議、交渉／完成する on 6 April? And what are the 候補者s for dumbest bits of Britain's 税金 code. Listen to the podcast to find out.

On this week's podcast, Simon Lambert, 物陰／風下 Boyce and Georgie 霜 talk 年金s - what you need to know and do, and tips for a richer 退職. Also on this week's show, some last minute Isa tips, how to 株 an 相続物件 if you want to コースを変える it and the energy 会社／堅い told it can't have any more new 顧客s. And finally, selling used cars that are really new ones. Why on earth would a 売買業者 do that?

My 所有物／資産／財産 is my 年金. That was the popular 説 when buy-to-let was all the 激怒（する） and every other person you met fancied their chances as a minor 所有物／資産／財産 mogul. But life has got much tougher for landlords, with a 一連の 税金 得る，とらえるs and tougher mortgage 支配するs hitting. So does buy-to-let still stack up as a way to build your wealth?