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    New highs for the stock market, stamp duty avoidance schemes and HMRC targets second homeowners

    enFebruary 21, 2013

    Podcast Summary

    • Customizable comfort and affordable telecom plansThe Sleep Number Smart Bed adjusts to individual preferences for optimal comfort and temperature, leading to better sleep for couples. Mint Mobile offers an unlimited data plan for $15 a month, a significant discount from the previous price.

      Quality sleep is a priority and can be individually customized with the Sleep Number Smart Bed. This innovative bed adjusts to each person's comfort preferences and temperature needs, leading to better sleep for couples. The Sleep Number Smart Bed has received high customer satisfaction ratings from JD Power, and for a limited time, customers can save 40% on the Sleep Number Limited Edition Smart Bed. Meanwhile, Mint Mobile, a telecommunications company, is cutting the price of its unlimited data plan from $30 to $15 a month, making it an affordable option for customers. UnitedHealthcare TriTerm Medical plans offer flexible and budget-friendly health insurance coverage that lasts nearly 3 years in some states. For gift-givers, Celebrations Passport from 1800flowers.com is a one-stop shopping site for amazing gifts for every occasion. With free shipping on thousands of gifts and rewards for frequent purchases, it's an excellent resource for those looking to elevate their gift-giving game. Lastly, a tax law loophole allows intermediaries like house builders to avoid paying stamp duty twice, providing relief and legitimacy to their transactions.

    • Exercise caution with stamp duty mitigation schemesHomeowners should be aware of the questionable effectiveness and potential risks of stamp duty mitigation schemes, and seek professional advice before engaging with them.

      Homeowners should exercise caution when considering stamp duty mitigation schemes due to their questionable effectiveness and potential risks. These schemes, which have been used for years to avoid stamp duty (SDLT) payments, have faced increased scrutiny from HMRC and have primarily targeted high-end transactions. However, as the risks involved may not be fully understood by all homeowners, it's essential to approach such schemes with caution. Firms, including ours, have chosen not to offer these products due to their technical complexity and potential risks. While SDLT avoidance isn't new, it's crucial for homeowners to be aware of the potential pitfalls and seek professional advice before engaging with these schemes.

    Recent Episodes from Money Clinic with Claer Barrett

    What will the UK election mean for your money?

    What will the UK election mean for your money?

    Regardless of which political party wins the UK general election on July 4, voters fear they will have to pay more taxes. Taxes are the crucial battleground in the run-up to polling day, and experts question whether manifesto pledges can be delivered without raising them. What aspects of our personal finances could be affected - and could a change of leadership potentially be beneficial for investors in UK stocks? In this episode, host Claer Barrett discusses what could happen next with Miranda Green, the FT’s deputy opinion editor; Nimesh Shah, chief executive of advisory firm Blick Rothenberg and Moira O’Neill, an FT investing columnist. Clips: LBC, Labour Party


    Links to articles mentioned in the show:

    Blue Wall vulnerable to tactical voting as natural Conservatives turn against party

    The hunt for good-value UK stocks

    Wealthy foreigners step up plans to leave UK as taxes increase


    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

    If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 


    Want more?

    Check out Claer’s column, What I wish I’d known before my smartphone was snatched.

    Listen to more episodes, such as Tax cuts: will they or won’t they?, The bonus secrets of Financial Times readers, 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.


    Read a transcript of this episode on FT.com



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


    Can financial therapy change our relationship with money?

    Can financial therapy change our relationship with money?

    Prepare to take a seat on the therapist’s couch and discover what your money habits say about you. In this episode, host Claer Barrett sits down with the UK’s first financial therapist, Vicky Reynal whose new book, Money on Your Mind: The Psychology Behind Your Financial Habits, aims to help people untangle problematic aspects of their relationship with money. They discuss the symbolic nature of money, what can make one person a spender and another a saver, and how equipping yourself with this knowledge can empower you to change negative behaviours around money.


    Want more?

    Check out Claer’s column, What I wish I’d known before my smartphone was snatched.

    Listen to more episodes, such as Money and relationships: a crash course, Investment masterclass: The psychology of money, The high cost of being a wedding guest, and more.

    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

    If you would like to be a guest on a future episode of Money Clinic, email us at money@ft.com or send Claer a DM on social media — she’s @ClaerB on Twitter, Instagram and TikTok. 


    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.


    The Five Minute Investor from Money Clinic: What is a PE ratio?

    The Five Minute Investor from Money Clinic: What is a PE ratio?

    When we talk about the relative value of our investments, PE ratios are never far away from the conversation - but what does this mean, and what exactly goes into this calculation? In the latest episode of our Five Minute Investor miniseries, FT consumer editor Claer Barrett challenges FT investment columnist Stuart Kirk to break down the ‘price’ and ‘earnings’ parts of the equation, and elucidate on other ways the PE ratio is used by investors to benchmark the relative value of different shares and other assets in their portfolio. 


    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?

    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.

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


    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.


    The Five-Minute Investor from Money Clinic: What’s an IPO?

    The Five-Minute Investor from Money Clinic: What’s an IPO?

    With a string of companies preparing to launch stock market listings on both sides of the Atlantic, investors may be tempted to invest in an IPO. But when companies stage an initial public offering, what are the factors to consider? In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Rob Armstrong, co-host of FT’s Unhedged podcast and author of the Unhedged newsletter, to explain why companies go public, and the risks of getting carried away with investing on the first day of public trading.


    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 latest Unhedged newsletter, and sign up to a free 30-day trial of the Unhedged newsletter: https://www.ft.com/unhedgedoffer

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

    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.


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


    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.


    The Five-Minute Investor from Money Clinic: What is a yield?

    The Five-Minute Investor from Money Clinic: What is a yield?

    Like an interest rate on a savings account, investment yields show us how much income different investments are able to generate. But how are yields calculated, and how can they measure the returns on different types of investments including shares, bonds and property? 

    In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett asks FT markets columnist and Unhedged co-host Katie Martin to give practical examples of how yields can be used as a benchmark for different assets, and how to interpret the story behind the numbers.


    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, and read Katie Martin’s column on the topic, How the humble dividend might rise again.


    Check out Claer’s Lunch with investor and ‘Dragon’s Den’ star Deborah Meaden.


    Listen to Money Clinic’s investment masterclasses, such as Deborah Meaden on her life in business, An insider's view of the City of London, 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.


    The Five-Minute Investor from Money Clinic: What’s a bull market?

    The Five-Minute Investor from Money Clinic: What’s a bull market?

    Global stock markets are charging along breaking record after record — but what’s driving this ‘bull market’ and how much longer can it last? Plus, what could it mean for investors if a ‘bear market’ awakens from hibernation? In our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Rob Armstrong, co-host of FT’s Unhedged podcast and author of the Unhedged newsletter, to explain the factors that drive bull and bear markets, and if individual investors should reconsider their strategy.


    Links:

    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


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


    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.


    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.


    The Five-Minute Investor from Money Clinic: The power of compounding

    The Five-Minute Investor from Money Clinic: The power of compounding

    ‘The two most powerful warriors are patience and time,’ Leo Tolstoy once wrote. But how can this make you a richer investor? The answer is compounding, and in our new miniseries, The Five-Minute Investor, consumer editor Claer Barrett challenges Bobby Seagull, the TV star and mathematics teacher, to demonstrate how compounding can power up our long-term investments. 


    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.


    Try out a compound interest calculator, and read more about INC and ACC funds.


    Take a look at MoneySavingExpert’s credit card minimum repayment calculator.


    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, Why do we think we can beat the market?


    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.


    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.


    The Five Minute Investor from Money Clinic: Are share buybacks good news for investors?

    The Five Minute Investor from Money Clinic: Are share buybacks good news for investors?

    Share buybacks have been in the news as Apple announced what would be the largest buyback in US history. But why is the US tech giant purchasing $110bn of its own shares, and cancelling them? In the latest episode of our Five Minute Investor miniseries, FT consumer editor Claer Barrett quizzes FT investment columnist Stuart Kirk on why more and more companies are doing this — and how investors can benefit. 


    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?

    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.


    The Five Minute Investor from Money Clinic: Why liquidity matters for investors

    The Five Minute Investor from Money Clinic: Why liquidity matters for investors

    In the age of the smartphone, it’s never been easier to buy an investment — but how quickly can you sell one, and how might this affect the price? In our new miniseries, The Five Minute Investor, consumer editor Claer Barrett challenges investment commentator Justin Urquhart-Stewart to explain why liquidity should be at the forefront of every investor’s mind.


    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?

    Check out Claer’s column, Why do we think we can beat the market?

    Listen to Money Clinic’s Investment Masterclasses, such as An insider's view of the City of London with today’s guest Justin Urquart-Stewart, 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.


    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.


    The Five Minute Investor from Money Clinic: Magnificent Seven

    The Five Minute Investor from Money Clinic: Magnificent Seven

    The Magnificent Seven could make up a much bigger slice of your own portfolio than you realise, but what are these seven stocks, and why are they so dominant? In our new miniseries The Five Minute Investor, consumer editor Claer Barrett challenges FT markets columnist Katie Martin to explain the hype around these gigantic US stocks.


    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 Twitter, 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?

    Read Claer’s recent column that looked at how exposed the index funds in her portfolio were to the Magnificent Seven - and if this was a good or bad thing: free to read link here 


    Check out Katie Martin’s most recent FT column, which looks at how the Magnificent Seven share prices are coming under pressure: free to read link here 

    Listen to more episodes of Money Clinic, such as The case for investing in AI, WTF are ETFs?, 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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