Secrets of the sales
Play • 18 min

With plenty of us looking for a Black Friday deal this year, we discuss why now might not be the best time to buy. 


We also look at the tactics used by retailers to make us part with our case, and ask if there really are any bargains out there?

 

See acast.com/privacy for privacy and opt-out information.

This is Money Podcast
This is Money Podcast
This is Money
Should you cash in bitcoin profits or wait for the moon?
In case you hadn’t noticed, bitcoin went on bit of a tear recently. And as the price of the leading cryptocurrency soared again, so did the number of stories written about it. Bitcoin is an interesting tale, a welcome diversion in a Covid-bound world, and the circus around cryptocurrency is the gift that keeps on giving for journalists. But the vast majority of those column inches focus on two things: bitcoin’s price and should you invest? A question that’s not so much asked is what should you do if you’ve reaped handsome profits on bitcoin or another cryptocurrency?  Should you cash in those gains or – to combine a couple of crypto phrases - hodl on the basis that it really could go to the moon?  (Where that moon is and when it’s been reached is as yet undefined.) On this week’s podcast, we dive into the story of a This is Money reader and listener who told us about what it’s really been like to hold bitcoin long-term and how although he’s not quite got Lamborghini money, he did buy a Skoda and pay off some of his mortgage. Georgie Frost, Lee Boyce and Simon Lambert also look at the rival cryptocurrencies to bitcoin and Argo Blockchain, the small UK listed company that’s come from nowhere to place among investors top recent share buys. On a more pedestrian note, the team also discuss inflation-beating savings accounts and where they can be found – spoiler alert, don’t get too excited – and property guardians: would you live in an empty building for cheap rent? And finally, there are some new concocted financial terms doing the rounds – how many can Simon and Lee guess correctly?
45 min
CONKERS' CORNER
CONKERS' CORNER
CONKERS' CORNER
91: TWIN PETES INVESTING 40: ISA MILLIONAIRE $TWLO $ADBE #SLP $IHCU #AV. #FRAN #LGEN #KGF #NWG #MRW #GAMA #BRWM #EMR #STEM #JMG #ETFS #MINING #PSYCHOLOGY #AI #SaaS #PHARMA #HEALTHCARE #CHARITY #OCI #BATS #PAGE #INVESTING #TRADING #RHODIUM
The topics, stocks and shares mentioned/discussed include: Menphys Charity / Just Giving page / TwinPetes Challenge Guest on the Twin Petes Investing podcast Kingfisher / KGF / Screwfix/ B&Q Franchise Brands / FRAN RBS now NWG Book recommendation, "Free Capital: How 12 Private Investors Made Millions in the Stock Market" ISA Millionaires Compounding Investments Sylvania Platinum / SLP Passive ETFs Mining stocks Healthcare IHCU Healthcare ETF Aviva / AV. Morrison Supermarket / MRW Gamma Communications / GAMA Commodity Super cycle Blackrock Worldwide Mining Trust / BRWM Rhodium / Catalytic converters Robert Walters / RWA SAP Software company SThree / STEM Emerging markets JPMorgan Emerging Markets Investment Trust / JMG Over confidence Stress Position sizing Compounding dividends Legal & General / LGEN Twilo / $TWLO Buy when others are fearful Psychology Polar Capital Holdings / POLR Oakley Capital Investments / OCI British American Tobacco / BATS Wireless / Telecoms Page Group / PAGE Empresaria / EMR Cloud Computing Software as a Service / SaaS Trading & More WE HOPE YOU ENJOYED THIS PODCAST. IF YOU DID PLEASE SHARE IT ACROSS SOCIAL MEDIA & WITH FRIENDS/ASSOCIATES YOU KNOW THAT HAVE AN INTEREST IN INVESTING OR TRADING STOCK/ SHARES. PLEASE SUBSCRIBE FOR FREE TO THIS PODCAST
1 hr 17 min
Cash Chats Money & Personal Finance podcast
Cash Chats Money & Personal Finance podcast
Andy Webb
#163 Paying less for your TV and streaming bills (Money Makeover)
This week it's another in my occasional money makeover series, this time looking at your TV bills - from premium satellite and cable services to the TV Licence fee to streaming subscriptions. Potentially you could be saving hundreds and hundreds of pounds every year. Read more: https://becleverwithyourcash.com/should-you-ditch-the-tv-licence-for-other-tv-radio-and-online-services/ https://becleverwithyourcash.com/are-you-overpaying-for-an-old-sky-tv-package/ https://becleverwithyourcash.com/netflix-and-disney-increase-prices/ https://becleverwithyourcash.com/should-you-be-sharing-your-tv-streaming-subscription-passwords/ * Please do leave a review and rating if this saves you money. * ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast was featured as one of the top finance podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5’s Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence
30 min
The Progressive Property Podcast
The Progressive Property Podcast
Kevin McDonnell
7 Ways Property Investors Can Make The Most Money in 2021
In this week's episode, Kevin will share with you the seven areas he will be focusing on to monetise in property throughout the coming year and areas where he feels all property investors should be looking at to make money throughout 2021 and beyond.  There are various areas you could be looking at to maximise your profits, from raising money to build up your portfolio, reaching out to other local businesses who may have struggled through the pandemic and conversions from one bed to two-bed flats and/or commercial to residential property. KEY TAKEAWAYS Converting 1 Bed Flat to 2 Bed Flats Throughout the Covid-19 pandemic there has been a drop in the value of one-bedroom flats in a lot of the major cities in the UK. The reason is simple, a lot of these properties are owned or rented by people who commute to work but live in another part of the country and these people may now be furloughed or working from home - the demand may no longer be there after Covid-19 if people lose jobs or continue to work from home. This could be the best time to purchase a larger one-bedroom flat and convert into a two-bedroom, you can add a really good margin in an uplift from a one-bedroom to a two.   Raising Money There will be a huge opportunity in 2021 for raising private finance to build your portfolios. People are trying to get their money out of the banking systems with low-interest rates and potentially negative interest.   Joint Ventures Some investors will want a joint venture and not just make an investment, ie a share of the pie. However, be careful. Make sure you’re only working with sophisticated investors and do your research on the FCA Regulations to make sure you stay compliant.     Buying Businesses Look to collaborate or go into joint ventures with other local businesses who may be struggling in the current climate. Also, you will be able to buy businesses for very little in 2021;  buying an existing business makes it easy to scale up in the coming years.   Creative Strategies Think about lease options, exchange with delayed completions, vendor finance. These opportunities will be massive in 2021 and onwards. Landlords will be looking to sell portfolios due to Section 24 as well as the impact of Covid. Rent to Rent Where you control other people’s property on a rent to rent agreement but on a profit share basis, not guaranteed rent. The landlord gets the property taken care of and an income and you will make money from the profit with none of the downsides. This is a great way to scale a business and create cash flow.   Commercial Conversions There are empty commercial buildings all over the country at the moment and this creates a huge opportunity to convert these buildings to residential. However, don’t just think about commercial to residential conversions. What about commercial to a different commercial use? With the government relaxing laws around permitted development rights, there has never been a better time to purchase a commercial property for conversion to residential.   BEST MOMENTS “Use the 3’ rule - everyone within 3’ of you, no matter where you are, needs to know that you are in property and that you are looking to do deals in property. “ “Not everybody is going to just want to lend money for an interest rate return, some will want a joint venture - a share of the pie” “The biggest opportunity has come in the middle of Covid when the government announced a relaxation in the Permitted Development Rights” “Keep an eye on all of the changes the Government are going to be making to try and incentivise developers”   SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode One: How to Perfectly Invest £10,000 | The Best Stocks | Property | Gold & Classic Cars Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people’s property to create financial freedom.    CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/   See omnystudio.com/listener for privacy information.
17 min
Property Magic Podcast
Property Magic Podcast
Simon Zutshi
The 7 Excuses That Could Stop You Investing
In this week's show Simon discusses the seven most common reasons or excuses he hears, for people not wanting to begin their property investment journey, and why with just a little insight and re-framing, you can overcome any of them! KEY TAKEAWAYS Many see a lack of capital upfront as a stumbling block, but there are many creative strategies out there that require no money to get going. Deal sourcing on behalf of others is a superb way of making money for yourself, building relationships with investors, and helping to build a more robust knowledge base for yourself. Everyone has 24 hours in a day. If others can find the time to create wealth and others can't? It all comes down to making the decision to take action, and making this action a priority. Work with motivated sellers - finding them is key. Only buy properties in areas with strong rental demand. Only buy properties that can provide you with cash-flow today! And remember that you're buying for the long term, and always have a cash-buffer. BEST MOMENTS 'These might seem like very valid reasons, but they're really just excuses' 'There are creative strategies where you don't need to put in a lot of money' 'It boils down to a lack of knowledge, and a lack of mind-set and belief' 'Learning how to find really good deals is one of the best things you can do'   VALUABLE RESOURCES Property Magic: How to Buy Property Using Other People's Time, Money and Experience by Simon Zutshi To find your local pin meeting visit: www.PinMeeting.co.uk and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). iphone:  http://bit.ly/pinAPP1 Android https://bit.ly/pinAPP2 Register at Mindset For Property at - www.mindsetforproperty.co.uk  ABOUT THE HOST Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor’s network (pin) in 2003 www.pinmeeting.co.uk.    pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon’s book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, www.CrowdProperty.com, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. CONTACT METHOD Contact and follow Simon here: Facebook: http://www.facebook.com/OfficialSimonZutshi  LinkedIn: https://www.linkedin.com/in/simonzutshi/ YouTube: https://www.youtube.com/SimonZutshiOfficial Twitter: https://twitter.com/simonzutshi Instagram: https://www.instagram.com/simonzutshi/ See omnystudio.com/listener for privacy information.
17 min
The Property Podcast
The Property Podcast
Rob Bence and Rob Dix from The Property Hub
ASK269: I want to buy a home but I’m scared of a crash! PLUS: Do you contribute to your ISA?
We’re back again this week with another two fantastic questions from our podcast listeners.  First up we’ve got Arthur.  Arthur is looking for advice on purchasing his own residential property and getting a lodger to live with him. He’s thinking about leaving London and moving to Manchester where he can afford a two-bedroom terraced house.  However, he keeps waiting for prices to drop or for there to be a crash, but since this is going to be his residential property, should he not care as much? He wants to know if he should just go for it now, but is concerned that as soon as he does there will be a crash.  Hopefully Rob & Rob can help him with this one. Our second caller this week is Will who’s got a bit of a personal question for The Robs.  Obviously, Rob & Rob are massively into investing in property, but he wants to know if either of The Robs put money into their tax free ISAs?  Does Rob D just stick to property or does he do both? Tune in to find out.   Do you have a buy to let or property investment related question for Rob & Rob? You could feature on the next episode by giving us a call on 013 808 00035 and leaving a message with your name and question (normal UK call rates apply).  Or if you prefer, click here to leave a recording via your computer instead. The next question on Ask Rob & Rob could be yours.  Have you joined us over on the Property Hub Forum yet? Our online community is friendly, informative, and the members are waiting to welcome you with open arms. So get yourself over and introduce yourself. See omnystudio.com/listener for privacy information.
9 min
The Money Podcast
The Money Podcast
Rob Moore
How to invest £500,000 for the Very Best Return (Series)
Mark is joined by fellow co-founder of Progressive Property Rob Moore and together they discuss how you can get the highest returns when investing £500,000. Learn today how £500,000 could allow you to invest in 14 single let properties, why it would be a good idea to invest your money in a freehold block of flats and how you can make huge savings by purchasing your own office blocks.   WATCH ON YOUTUBE How To Perfectly Invest £500,000 |Property | Stock Market | Business SUBSCRIBE TO THE SERIES Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes   KEY TAKEAWAYS Property: With a £500,000 property investment you can secure 14 single-let properties with a price range of £120,00-£130,00 and putting down a £35,000 deposit. These properties can be running simultaneously with a refurb scheduled every 6-9 months. It is a great strategy to achieve long term capital growth.   Many units on the high street have been battered and valuations have dropped in a big way and many are empty. There is a big opportunity to put a shop in the unit and convert the uppers into flats. There are a lot more of these opportunities to come; we are only at the beginning of this.   With £500,000 you can buy a freehold block of flats. The property may need a refurb and once this is done you are able to rent all the flats out. These are good investments because since you own the freehold it is similar to buying a house, you don’t have all the ground rent. There are really good opportunities since the values have dropped and there are currently plenty of tenants available.   It is a very good idea to buy your own office blocks for your company. By buying your own office building you are making a huge saving every year and the property itself will go up in value every single year.   Stocks and savings: Cars: If you are going to invest in classic cars it is best to start off with something cheap. Buy a low mileage, better quality car and in the end, you will make a better profit. Work your way up and build up your collection. Buy a ‘Classic Car’ insurance policy if your car is garaged which will allow you to keep your insurance costs down. Assets: Holding physical gold is a good investment. Buy the gold physically and put it in a secure vault and allow the asset to mature.   Whilst it is a possibility to buy a company with half a million pounds, you really do need the experience to know if what you are investing in is a viable business. People will usually try and sell you something that works for them and often it will not be worth your money.   BEST MOMENTS “You are going to end up with a great return on investment.” “You’ve really got to know what you’re doing.” “If you have a passion for something you are going to learn how to do it well, if not better than anyone else.” “Your timing of what you buy is really important and sometimes it is wise to wait for the market to come back down.” VALUABLE RESOURCES https://www.youtube.com/user/progressivepropertyhttps://www.progressiveproperty.co.uk/the-progressive-co-founders/ SUBSCRIBE TO THE A NEW INVESTMENT SERIES Episode:How To Perfectly Invest £500,000 |Property | Stock Market | Business Watch Live On The Progressive Property YouTube Channel Every Monday At 7 PM Tiny.cc/PPTV Listen To Audio Recordings On The Money Podcast bit.ly/moneypodcastitunes ABOUT THE HOST Mark has bought, sold or has managed around 1,000 property units for himself, Rob, his family and his investors since 2003. He is a system and spreadsheet geek and has developed a complex, confidential deal analyser system of buying residential, commercial and multi-let properties. ABOUT THE GUEST Rob Moore is an author of 9 business books, 5 UK bestsellers, holds 3 world records for public speaking, entrepreneur, property investor, and property educator. Author of the global bestseller "Life Leverage" Host of UK's No.1 business podcast "The Disruptive Entrepreneur." "If you don't risk anything, you risk everything." CONTACT METHOD Rob’s official website: https://robmoore.com/ Facebook: https://www.facebook.com/robmooreprogressive/?ref=br_rs LinkedIn: https://uk.linkedin.com/in/robmoore1979   See omnystudio.com/listener for privacy information.
52 min
Search
Clear search
Close search
Google apps
Main menu