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When Clement Attlee introduced welfare universality to post-war Britain, he was aiming for a more egalitarian society. Seventy-five years on we can see not only that it has not been achieved, but also that it has nearly bankrupted the public finances: a major task for UK Chancellor Rachel Reeves to tackle in her Spring Statement. Targeting support for those most in need with the help of philanthropy will be a key part of replacing 'egalitarian socialism' with egalitarian capitalism, enabling those with a social conscience to concentrate support and encouragement where it's needed, rather than providing publicly-funded services 'free at the point of use' for everyone. Background music: 'Everything Has a Beginning' by Joel Cummins. Image source: Wikipedia

As the United States descends towards economic turmoil as a result of its new-found isolationism and unreliability, the BRICS group of nations (including Russia and China) will be looking forward to a new dawn for their mainly autocratic regimes and potentially an opportunity to replace the U.S. dollar as the world's reserve currency. If western democracies, particularly in Europe, are to turn that tide, they must discover long-term governance, a new approach to targeted welfare working in partnership with philanthropists as opposed to universality, and a significant increase in democratic legitimacy for global governance. Background music: 'India Fuse' by French Fuse

Sam Altman, the tech entrepreneur who built OpenAI and its ground-breaking ChatGPT Artificial Intelligence functionality, correctly says that increasing equality may require new ideas. He's right: governments and political ideologies of many hues just can't deliver, besieged by conflicts of interest and debt. The Credit Suisse Wealth Distribution chart shows the huge contrast between those who are super-rich (in blue), the wealthiest of whom are the giant tech oligarchs, and those who live in real poverty, in red. It's time we accepted that 'The State', whether socialist or populist, can't deliver, and for philanthropists to step up to the plate, working in partnership with governments who still need to provide the necessary regulation and logistics. Background music: 'Resolution' by Wayne Jones

Chancellor of the Exchequer Rachel Reeves delivers her March '25 Spring Statement — this is an unabridged audio record of her speech to the House of Commons.

Professor Tim Evans of Middlesex University says that if the markets turn against the government then it is real trouble. If Reeves increases taxes in the Autumn, as many expect, then we will be in a doom loop. He admires an idea from Dr. Madsen Pirie of the Adam Smith Institute for using a blockchain approach to speed up the lamentable speed of the UK housing market. Why can the Americans move so easily? And he discusses the record fine imposed on the University of Sussex over the case involving Professor Kathleen Stock, a big victory for defenders of free speech.

Russ Mould says that with the OBR lowering its growth and raising its inflation target, stagflation looks even more likely. The concept of "fiscal headroom", he says, is pure rhubarb but the bond market seemed content with what Rachel Reeves had to say, even though the UK's interest bill is higher than the defence budget. However, tariffs are going to complicate things. With the NASDAQ this year's worst market so far and Hong Kong the best, the mood music is changing. Investors must think about whether the environment for the next ten years is going to be different than the previous ten.

Steve Caplin discusses a hybrid STOL plane which is as quiet as a vacuum cleaner and only needs a 100m-long runway. Amazon's plan for UK drone deliveries might be kiboshed by the CAA insisting on one pilot for each drone. There's an example of just how realistic GPT is when you chat to it. Placebos are the most effective way of treating PMS. Running a marathon shrinks your brain. There's a bizarre crowdfunded watch. Farmers with unhappy crops are being offered a (possible) solution. And heavily-polluting concrete may be a thing of the past with the future use of seawater instead of sand.

For the 500th show, Steve Caplin takes a look back at some of the highlights of ten years of Gadgets & Gizmos. He covers sprayable sleep, cows imitating zebras to ward off mosquitoes, crows collecting cigarette butts, NFTs, self-parking slippers, KFC chicken-tasting nail polish, the first human head transplant, the Skunklock noxious bike lock, Refrigerdating, the robot dog flamethrower, ant populated gin and how to make pain relief pills 10 times more effective.

With box office + 63%, James Cameron-Wilson says #1 'Snow White' is neither as bad nor good as some would have it. Rachel Zegler lights up the screen but the CGI dwarves make it feel like an animated remake. It's not a new classic. #7 'The Alto Knights' has Robert de Niro playing 2 rival gangsters at once, a truly bad idea. It's misjudged and incredibly boring. James recommends documentary 'A Thinking Game' if you can find it. 'O'Dessa', on Disney+, is a dotty, cheap and nasty, post-apocalyptic rock opera, with Sadie Sink considerably better than the movie which is a real rag bag of influences.

Rachel Reeves is back to where she started after the Spring Statement, with her £9.9billion of budget headroom restored but at what cost? The Chancellor was true to her word and didn't turn last week's economic update into a second Budget, with no tax changes coming in. But a wave of spending cuts was announced, along with growth forecasts going both down and up. We also got the Office for Budget Responsibility's update on what Reeves' Autumn Budget tax rises will cost us, a threat to Cash ISAs and no reprieve for home buyers on stamp duty. In this episode, Georgie Frost, Lee Boyce and Simon Lambert dive into the Spring Statement to explain why it happened, what it means, and tackle the question of whether taxes are going to have to rise again in autumn. They look at the very important assumption being made by the OBR which, if it turns out to be wrong, could mean there is a £48billion black hole in the sums. And is the entire thing a charade anyway and damaging to our future prospects? Simon explains why he thinks so. Finally, campaigners like Gary Stevenson claim that this could all be solved with a wealth tax — is that where we will eventually end up?

The majority of Alphabet’s sales comes from search, and ChatGPT’s product continues to get better. Jason Moser and Ricky Mulvey discuss the 25% tariffs that the Trump administration announced for imported cars and auto parts, how Google is trying to respond to the next era of search, and Robinhood’s quest to become the everything-finance app. Then, 17 minutes in, Anthony Schiavone joins Ricky to talk about the state of the office market, and one workplace REIT that investors may want to consider. Companies discussed: GM, MGA, F, TSLA, GOOG, GOOGL, HOOD, BXP, ARE. Host - Ricky Mulvey; Guests - Jason Moser, Anthony Schiavone

Over the past five years, Warren Buffett’s returns have beaten the S&P 500 and the NASDAQ, even as Berkshire keeps hundreds of billions in cash and treasuries. Jim Gillies and Ricky Mulvey discuss how Apple has driven Berkshire’s performance, Disney’s flat returns over the past five years, and a jeans manufacturer that is smashing the market. Then, 19 minutes in, Robert Brokamp and Alison Southwick discuss why you should think about taking a financial health day. Companies discussed: BRK.A, BRK.B, AAPL, DIS, KTB. Host - Ricky Mulvey; Guests - Jim Gillies, Alison Southwick, Robert Brokamp

Berkshire’s cash hoard is approaching “Dr. Evil” levels. Tim Beyers and Dylan Lewis discuss Warren Buffett’s message to investors and Berkshire Hathaway shareholders in his annual letter, Berkshire’s growing cash position and what it might say about his view of the investing opportunities out there, and Apple’s $500Bn commitment to its Advanced Manufacturing Fund, AI development, and R&D efforts. Then, 16 minutes in, American's pharmaceutical options for legally treating mental health issues could expand soon. MindMed is testing the effects of LSD on depression and Anxiety, the company’s CEO Rob Barrow talks Ricky Mulvey through his company's work and the future of psychedelics and mental health. Companies discussed: BRK.A, BRK.B, AAPL, MNMD. Host - Dylan Lewis; Guests - Tim Beyers, Rob Barrow, Ricky Mulvey

When alcohol becomes a need, it's not uncommon to look for ways of scaling back that desire. There are nausea-inducing medications which may help, but Adam Cox looks for how you might trigger such an aversion through hypnosis. There is, of course, another alternative in the run-up to Easter: try giving it up for Lent! It's a way to test your conscience's ability to cope with a temptation which may be quite compelling... so Adam's hypnosis session might be one of a number of options here.

New research released reveals how the vast majority of people in Britain are concerned that 2030 is too soon to ban the sale of new petrol and diesel cars. However, there is a general consensus that we need a viable solution to greenhouse gas emissions right now. Joining Adam Cox to discuss this is Dickon Posnett – the President of the European Biodiesel Board and Director of Corporate Affairs at Argent Energy.

New research from children's audio platform, Yoto, reveals widespread concern around the amount of time children are spending on screens — as well as the content they can access easily online. Joining Adam Cox now to discuss this is former children’s publisher and Yoto Content Director, Jessica Tarrant.

Obesity costs the UK £100 billion a year, yet stigma still clouds the conversation. Science shows it’s more than just willpower—genetics drive up to 80% of weight gain and new treatments are changing the game. With weight loss medications proving effective and the government backing their use, is it time to rethink our approach? More than one in ten women in the UK already use GLP-1s for weight management, but 31% hesitate due to stigma, highlighting the urgent need to shift public perception. Joining Adam Cox today is pharmacist Kevin Joshua from Juniper Technologies UK Ltd, who will discuss the future of obesity treatment and its impact on public health.

Adam Cox is joined by Dr Steve James, a longevity medicine specialist and Cecilie Wang, the co-founder of Scandinavian Saunas. New research has found that many of us feel our health is in decline, with no idea how to stop it. And now experts are suggesting the problem is that we take a reactive approach to health, rather than proactive. https://www.scandinaviansauna.dk/

James Cameron-Wilson reports on box office -13% but still up on 2024, with ‘Wicked’ becoming last year's most successful film with £59.6m. The musical biopic of Bob Dylan, ‘A Complete Unknown’, with Timothy Chalomet and Edward Norton is the new #1. The tedious and unbelievable ‘Wolf Man’ limps in at #7. James found Netflix's spy thriller ‘Back in Action’, the return from retirement of Cameron Diaz, all very silly and over the top, despite some good stunts. The Oscar nominations were coming out during recording, so James gives his first thoughts on who's in and who's out.

Steve Caplin gives Simon Rose a plethora of tech ideas for Christmas gifts, for others and for yourself. He finds some bizarre advent calendars. The top toy for kids appears to be a Fart Blaster. From the Chinese version of Amazon, Alibaba, he recommends heated gloves, a vacuum phone holder, a portable ceiling fan, sewing needles that thread themselves and a car charger with retractable cables. There's also a camera drone, an impressive iPhone case, rechargeable LED work lights, colour changing LED bulbs, magnetic tool holders and an avocado slicer. He was delighted with his game-playing SteamDeck and also recommends Bridge Command, where you can immerse yourself in a Star Trek-style experience. 

Warren Buffett sends us into the season to be thankful with his philanthropic acts and his poignant words, and gives us all a place to start the conversation with family about money. Asit Sharma and Dylan Lewis discuss NBC’s negotiations to extend their rights to broadcast rights to the Macy’s Day Parade, and why holiday live events are turning into an arms race, the expectations for Black Friday through Cyber Monday, and two predictions on the direction of consumer spend and who will be driving it in future years, and Warren Buffett’s plans for passing his wealth on to his family and philanthropic efforts, and the words of wisdom we should all have in mind as we get together with loved ones this week. Companies discussed: CMCSA, M, NFLX, AMZN, BRK.A, BRK.B. Host - Dylan Lewis; Guests - Asit Sharma

Adam Cox is joined by Thea Watson from Bright HR. They discuss a new report carried out by Bright HR, all about business confidence. What did it find? Well, it shows how 68% of UK businesses who have embraced a technology strategy see growth as their number one objective for 2025.Shockingly though, over half of all survey respondents — many without a tech plan — say they are not expecting to grow in 2025, and more than a quarter are simply looking to survive. https://www.brighthr.com/

UK Chancellor of the Exchequer Rachel Reeves delivers her first Budget. The recording is unabridged and without additional comment.

The State Opening of Parliament on Wednesday 17th July was somewhat of a watershed after fourteen years of Conservative governments. Here is the unabridged King's Speech, encapsulating in just over twelve minutes the priorities of the new Labour Government. Image Source: Daily Express. Background music following the speech: 'Pastorale' by Joel Cummins

The core of the problem with unclaimed, adult-owned Child Trust Funds (of which there are over £2 billion waiting to be claimed) is with accounts opened by HMRC. That's why The Share Foundation has proposed a 'default withdrawal at 21' process, based on the young person's National Insurance number. Danny Kruger MP took part in the CTF conference in Westminster on Tuesday 5th March, and two weeks later in a Westminster Hall CTF debate, and supported this initiative which could release £1/4 billion each year to help these young and predominantly low-income young adults. Background music: 'Waiting' by Andrew Langdon

The debate on 19th March 2024 was hosted by Sir Jeremy Quin MP to call for the need to simplify family access to Child Trust Funds for disabled young people, and a number of MPs contributed to the debate, including Danny Kruger and Ed Davy. The audio record is provided by Parliament Live, and is an unabridged recording of proceedings, without additional comment. Listeners may notice an adjournment for voting in the House of Commons.

Adam Cox is joined by Gemma Bourne from Big Society Capital to discuss why the government should reallocate a larger proportion of its existing spend to further scale initiatives that tackle the UK's homelessness and temporary accommodation crisis. With new research showing that these house funds are already having a major impact, it could help us combat homelessness. https://bigsocietycapital.com/

Professor Tim Evans of Middlesex University explains why he so enjoyed new Argentine President Javier Milei lecturing the great and good of the World Economic Forum about libertarian and Austrian economics, attacking corporatism and socialism. He feels Milei could be the most consequential politician economically-speaking for many years. He also looks at falling EV car sales, lamenting the way in which politicians set goals for achieving their hobbyhorses irrespective of scientific progress and consumer demand. And he is fascinated by a meeting between journalist John Humphreys and members of Gen Z, which showed them to be different to the popular perception.

Welcome to a special episode of The Financial Outlook: the investment section of the Managing My Money course. What's the difference between saving and investment? It's all in the risk. We talk about shares, bonds and funds, and which perform best over the long term. The Managing My Money course has 16 sections in total, and is presented by Glen Goodman and Annie Weston. You can enjoy the whole course, produced in association with the Open University via Share Radio's home page. Here's the link to the slides for this episode: https://www.shareradio.co.uk/help-guides/managing-my-money/supporting-slides/mmm-week-5-episode-10-supporting-slides/

“The [Child Trust Fund] scheme has been closed to new entrants for over 12 years. In this time HMRC has been focusing resources on evaluating and improving existing schemes. We will continue to keep the need to evaluate old schemes under review.” So said Andrew Griffith MP, Economic Secretary to HM Treasury in reply to a parliamentary question from John Ashworth MP, Shadow Secretary of State for Work and Pensions. But this is not an 'old scheme' — there is currently over £1.7 billion sitting in mature accounts belonging to over 900,000 mainly low-income young adults throughout the UK who don't know anything about their good fortune! Their Child Trust Fund harvest is seeing too little action at present: but it's not too late to get it sorted, and the current focus from the National Audit Office and Public Accounts Committee will certainly help.
Background music: 'Hopeful Freedom' by Asher Fulero

The huge take-up of ChatGPT over recent weeks has brought the challenge of Artificial Intelligence into sharp relief. As the Chief Executive of its creator, OpenAI, said in one of his blogs, 'Artificial Intelligence will bring unimaginable wealth but, unless something changes, most of us will get none of it. We need a radical solution'. Conventional wisdom sees Universal Basic Income as the way through this dilemma, but this will only bring us more state intermediation and human subservience. We can put forward a better solution, by enabling all to share in the wealth that technology brings and to play their part in its future governance.
Background music: 'Digital Solitude' by Silent Partner

Jonathan Davis, editor of the Investment Trusts Handbook, tells Simon Rose what makes investment trusts special and why investors should consider their merits. He explains the differences to other types of funds, including the premium and discount. He discusses the yields on alternative assets (including renewable energy and even music royalties) and how trusts can continue paying dividends even in bad years. The handbook, from Harriman House, is available in hardbook or free as an ebook (https://tinyurl.com/mt69fc24).

It’s the last episode of Answers (but don’t worry, we’re just moving to Motley Fool Money every Tuesday). We’ll reminisce on our biggest lessons learned over the last seven years and answer your questions, some financial, some festive.

The Talk by the WealthiHer Network, every month on Share Radio: this month we are here to talk about the secrets of some of UK leading female businesses leaders and their journeys within launching their businesses. Tamara Gillan is joined by Charlotte Bobroff, the executive director at J.P. Morgan who has been incremental with working with female founders from female high-powered businesses. She recently curated an event surrounding female high-powered businesses and she will be discussing her findings. Also, we have the pleasure of Daina Speddings, who is an investor at BGF and will share her perspective on the investment journey.

Scrooge has made the deal of his life with Chinese investors and must now quickly return to London on Christmas Eve to close the deal. On the flight back, during a fitful sleep, Scrooge confronts his past and present and learns the future consequences of his miserly life to find the true meaning of Christmas. Proscenium Online Theatre is super excited to be bringing you a whole new season of audio dramas in 2022. Starting off with 'The Girl in the Yellow Dress', a dark romance by South African playwright Craig Higginson, and 'Plunder', an original Hong Kong based thriller by American playwright Alan Olejniczak. In the meantime - sit back, close your eyes and enjoy the Proscenium Online Theatre’s production of 'A Christmas Carol'.

https://www.prosceniumonlinetheatre.com

Join the Sustain:Social panel session on December '21, considering the outlook for investors in the wake of the COP26 in Glasgow. The panel comprises of - Chair: Rodney Hobson Panel: Gervais Williams (Premier Miton Group); Jamie Broderick (Impact Investing Institute); Mohan Gundu (Sustainable Funds Group); Mike Appleby (Liontrust Sustainable Investment team); Gavin Oldham (The Share Foundation / Share Radio).

Food banks are providing a vital role to help people this winter, and the Trussell Trust supports more than 1,200 throughout the United Kingdom. In this special episode of The Bigger Picture, their Chief Executive Emma Revie briefs supporters about their progress, and their plans for the future. If you would like to support the extraordinary work undertaken by this charity, please visit https://trusselltrust.org

Imagine a world in which everyone has a stake in the great tech firms that serve them each day, and where dividends are gradually replacing wages to provide regular income for everyone, as work becomes scarcer as a result of automation? Imagine a world where every young person not only has a small inheritance with which to start their adult life, but also the opportunity to build its value by learning life skills? Simon Rose is taking a well-earned break this week, so we’re taking the opportunity to bring you a talk given Gavin Oldham in August to the leading City of London think-tank Z/Yen.

Click link for slides for presentation

Every child in the UK born between 1 Sept 2002 and 2 Jan 2011 has a Child Trust Fund (CTF). But one child in six has lost contact with the money. Gavin Oldham, Chairman of The Share Foundation – which runs the Junior ISA & Child Trust Fund schemes for children in care for the Department for Education - is trying to re-connect them. He talks through the CTF, how to track an account down, and what a child can and can’t do with the money.

In a new partnership with publishers Harriman House, Share Radio has produced its first audiobook 'Superinvestors', written by Matthew Partridge and read by some of Share Radio's best known presenters. 'Superinvestors' lays bare the investing secrets of legendary investors - from early 20th-century figures such as Benjamin Graham and John Maynard Keynes, through to more modern names such as Anthony Bolton and Warren Buffett.

How you can help young people in care prepare for adult life by supporting The Share Foundation’s ‘Stepladder of Achievement’ programme.

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