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    Cashless society, hopeless interest rates and lenders trying to make mortgages easier

    enJune 28, 2012

    Podcast Summary

    • Maximize your hiring potential with LinkedInFind top candidates on LinkedIn, even those not actively job searching, to grow your business. Quality sleep is essential for overall health, and Sleep Number smart beds offer individualized comfort. United Healthcare provides flexible short-term health insurance plans, and competition among lenders, banks, and building societies benefits consumers.

      LinkedIn is a valuable resource for small businesses looking to hire professionals. It's like fishing in a fish tank looking for car keys elsewhere; you'll find the best candidates on LinkedIn, even those who aren't actively job searching. With over 70% of LinkedIn users not visiting other leading job sites, it's essential to hire like a professional and post your job on LinkedIn. Another essential takeaway is the importance of quality sleep. The Sleep Number smart bed offers individualized comfort, allowing you to sleep better together. The JD Power award-winning smart beds are available at Sleep Number stores or their website. Additionally, for those in need of short-term health insurance, United Healthcare offers flexible and budget-friendly plans for people between jobs, coming off their parents' plans, or turning a side hustle into a full-time gig. Lastly, it's worth noting that the competition among a smaller number of lenders, banks, and building societies partly explains why Best Buy has over 100 accounts. This competition can lead to better deals and options for consumers. However, not everyone may be aware of who offers Savings and Investment Products (SIPs) with cash accounts, making it essential to stay informed.

    • Difference in interest rates between Instant Access accounts in personal and SIP marketsShop around and compare rates to maximize returns on pension savings as the difference in interest rates between Instant Access accounts in personal and SIP markets narrows with longer term deals

      While Instant Access accounts in the Self-Invested Personal Pension (SIP) market may offer lower interest rates compared to those in the personal market, the difference narrows as the term length increases. For instance, Instant Access accounts in the personal market tend to pay around 1% percent more than those in the SIP deposit account market. However, this difference decreases as we move towards short-term fixes and longer-term deals, with almost no difference between a 5-year fixed rate account in both markets. Therefore, it is essential to shop around and compare rates to maximize returns on your pension savings.

    Recent Episodes from Money Clinic with Claer Barrett

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    Hosted on Acast. See acast.com/privacy for more information.


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    Hosted on Acast. See acast.com/privacy for more information.


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    Hosted on Acast. See acast.com/privacy for more information.


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    Hosted on Acast. See acast.com/privacy for more information.


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    Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Read a transcript of this episode on FT.com



    Hosted on Acast. See acast.com/privacy for more information.


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    Read a transcript of this episode on FT.com



    Hosted on Acast. See acast.com/privacy for more information.


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    Free pound cost averaging calculator: https://www.hl.co.uk/tools/calculators/regular-investing-calculator


    Free dollar cost averaging calculator: https://www.buyupside.com/calculators/dollarcostave.php


    Tune in every Tuesday to catch the latest episode of The Five-Minute Investor, and subscribe to Money Clinic wherever you get your podcasts. If you would like Claer to demystify an investment term, email the team at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Instagram and TikTok.


    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse


    Want more?


    Listen to Unhedged wherever you get your podcasts, read Rob Armstrong’s Unhedged newsletter on the topic, A better bull market?, and sign up to a free 30-day trial of the Unhedged newsletter: https://www.ft.com/unhedgedoffer


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    Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.


    Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


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    Read a transcript of this episode on FT.com



    Hosted on Acast. See acast.com/privacy for more information.


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    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse


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    Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London, What’s one of the world’s leading investors buying?, and more.


    Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


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    Read a transcript of this episode on FT.com



    Hosted on Acast. See acast.com/privacy for more information.


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    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse


    Want more?

    Check out Claer’s column, Have you got five minutes to talk about investing?

    Read Stuart Kirk’s latest Skin in the Game column for free.

    Listen to Money Clinic’s Investment Masterclasses, such as Stuart Kirk has ‘skin in the game’, ‘Money is basically a fiction’, and more.


    Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.


    Read a transcript of this episode on FT.com



    Hosted on Acast. See acast.com/privacy for more information.


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    For more tips on how to organise your money, sign up to Claer's email series 'Sort Your Financial Life Out With Claer Barrett' at FT.com/moneycourse


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    Presented by Claer Barrett. Produced by Tamara Kormornick. Our executive producer is Manuela Saragosa. Sound design by Breen Turner, with original music from Metaphor Music. Cheryl Brumley is the FT’s global head of audio.


    Disclaimer: The Money Clinic podcast is a general discussion about financial topics and does not constitute an investment recommendation or individual financial advice.


    Read a transcript of this episode on FT.com



    Hosted on Acast. See acast.com/privacy for more information.


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