http://www.chataboutmoney.co.uk/all_chats.asp chataboutmoney Webchats en-us Welcome to this very special webcast. Joining us today is a very special guest - a household name, loved by millions. He's been in business for decades - and his worldwide success including a unique distribution system has been built on a work-life balance many must envy. Despite his success he tends to keep a low profile for months on end, and rarely, if ever, gives interviews. Today. it's your chance to not just hear from him, but to ask him a question too in this interactive webcast. http://www.chataboutmoney.co.uk/webchats.asp?EventID=112 Equity release is a way to access the value built up in your property to help provide you with greater financial freedom. With the recent improvements to equity release plans, the added protection and flexibility that they now provide, more and more homeowners are turning to equity release as a way of funding later life. If you or a family member are considering a scheme, or would just like to find out exactly what equity release is and how it works then join our live webchat. Alex Edmans will be live at 1pm on Thursday 16 October to answer any questions you may have. So submit your questions now and come back and watch when we go live. http://www.chataboutmoney.co.uk/webchats.asp?EventID=111

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Knowing where to invest has become increasingly difficult during the recent market volatility. Emerging markets, such as those in the BRIC region (Brazil, Russia, India and China) have produced superior returns but can these economies withstand a global downturn? Help is at hand in today's live webchat. With us will be Michael Konstantinov, fund manager of the leading BRIC Fund from Allianz Global Investors and Mark Dampier, Head of Research at Hargreaves Lansdown. For their views on emerging markets and exciting BRIC region opportunities, send in your questions now and join us today from 1pm for their answers. http://www.chataboutmoney.co.uk/webchats.asp?EventID=110 If you dream of turning your hobby into a business then you’re not alone. After all it can give you an opportunity to earn a living doing something you really love. Making it happen though isn’t always easy. Earlier, our special guests Kate Syred, head of Direct Line for Business and Sarah Lu of 'youdoodolls' and successful former Dragons' Den contestant answered your questions. http://www.chataboutmoney.co.uk/webchats.asp?EventID=109 In later life our priorities change – including our financial ones. There may be increased provisions for leisure to consider, or travel and health. For many there may be a need or wish to help children and grandchildren too. Whatever the situation, help is at hand in our live webchat with Hetal Parmar from Alliance and Leicester. He is here live to answer your savings queries. http://www.chataboutmoney.co.uk/webchats.asp?EventID=108 When it comes to planning for retirement and specifically pensions it’s never too early to start. For many knowing which type of pension to choose and how much they should be putting aside is a real minefield. Whether it’s how much your employer should be contributing, how much the average 30 year old should be putting aside and what is a SIPP - Ian Naismith, Head of Pensions Market Development, Scottish Widows will be able to answer all of these questions and more. Ian is here now to answer any question you may have on the subject of pensions and the retirement planning process. http://www.chataboutmoney.co.uk/webchats.asp?EventID=107 Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Donec eget lacus sed nunc viverra vestibulum. Nam sodales elementum dui. Praesent et odio. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Aliquam ipsum. Vivamus vestibulum gravida tellus. Ut et tortor bibendum lacus elementum hendrerit. Suspendisse vitae urna et elit accumsan facilisis. Quisque volutpat. Praesent sit amet diam eu neque scelerisque adipiscing. Suspendisse id enim. Duis eleifend, felis nec semper tincidunt, tellus arcu molestie dolor, sed hendrerit enim enim vitae diam. Morbi posuere, diam non pulvinar eleifend, ipsum sapien iaculis felis, non sodales enim augue id urna. Maecenas fringilla erat at lectus. Proin vitae leo. Nulla facilisi. Fusce mollis. Nam neque. Sed sollicitudin pulvinar arcu. Donec leo. Morbi ac quam. Morbi mauris orci, accumsan nec, tempor eu, tempor et, diam. Duis ultrices justo at risus. Phasellus at quam. Phasellus cursus luctus tortor. Aliquam scelerisque arcu at odio. Integer ipsum. Vestibulum ante ipsum primis in faucibus orci luctus et ultrices posuere cubilia Curae; Cras elementum lacus in magna. Vestibulum suscipit felis tempus mauris. Proin commodo diam in felis. Curabitur eget velit. http://www.chataboutmoney.co.uk/webchats.asp?EventID=105 Exploring your family history to learn more about your ancestors is a hobby more and more people are discovering. Whether you’re a newbie or just need some expert help then Steve and Elaine from leading family history and genealogy website findmypast.com can help - in our free live webchat! Send in your questions now and come back when we go live - or anytime after - to read their answers and top tips! http://www.chataboutmoney.co.uk/webchats.asp?EventID=103 Exploring your family history to learn more about your ancestors is a hobby more and more people are discovering. Whether you’re a newbie or just need some expert help then Steve and Elaine from leading family history and genealogy website findmypast.com can help - in our free live webchat! Send in your questions now and join us from 7pm tonight as we go live with answers to as many questions as we can! http://www.chataboutmoney.co.uk/webchats.asp?EventID=102 When it comes to car insurance we’d all like the cheapest quote, tailored to our individual needs, in the quickest time, with least hassle involved. Finding the right car insurance can be a daunting process - but in our next webchat we have car insurance expert Paul Baxter from Tescocompare.com lined up to answer all your questions on the subject. Paul is here now to unravel some of the current car insurance myths and offer plenty of tips to save you money, so if you have a question, then send it in now! http://www.chataboutmoney.co.uk/webchats.asp?EventID=101 Alistair Darling, the Chancellor, has been under immense pressure over the past few months following the Northern Rock saga and proposals to introduce an annual tax for non-domiciles. On Wednesday lunchtime he delivers his first budget. He has already hinted at radical changes to the CGT and IHT regime in his Pre Budget Report but pundits are expecting the odd surprise or two. We have tax experts from one of Britain’s leading accountant firms on hand to answer any questions you have on the Budget, so send in your questions and join us from 12.30 on Wednesday for the answers. http://www.chataboutmoney.co.uk/webchats.asp?EventID=100 Start your new life with as much money as possible! Help is at hand in our latest webchat as Richard Arundel, Migration Team Specialist from foreign currency specialists HiFX, Simon Neville from Prism Xpat, independent pension and finance specialists for both Australia and New Zealand, and John Hicks, property expert with Approved Properties Abroad answer your questions about financial aspects of emigrating and buying overseas property. Disclaimer: The answers provided in this webchat are for information purposes only and do not constitute financial advice. http://www.chataboutmoney.co.uk/webchats.asp?EventID=99 It's important to make your savings work as hard as possible. And with the end of the tax year just weeks away, now is a crucial time if you want to make the most of your money. What’s more, new rule changes from April will let you save even more money tax-free using an ISA and also allow you to switch previous ISAs from cash to stocks and shares. If this all sounds rather daunting, help is hand from Anne Young, savings expert at Scottish Widows, She will be with us today to answer all your savings questions. Whether you are just starting out or are a more experienced saver, send in your questions now and join us live from 1pm today. http://www.chataboutmoney.co.uk/webchats.asp?EventID=98 We have set up a panel of experts to answer your pension questions - and they will be on hand live between 2pm and 6pm today. Our panel of expert independent financial advisers consists of Anna Sofat of AJS Wealth Management, Keith Churchouse of Churchouse Financial Planning and Ben Yearsley of Hargreaves Lansdown. http://www.chataboutmoney.co.uk/webchats.asp?EventID=97 If you’ve been putting off reviewing your retirement saving arrangements because of lack of time or support, why not make the most of the 'extra day' in this leap year? Earlier we had our experts on hand to answer your questions. If you didn't get an answer to your question between 1 and 2pm, we have lined up a panel of expert IFAs - including Anna - who will continue to answer your queries throughout the rest of the day. http://www.chataboutmoney.co.uk/webchats.asp?EventID=96 Our mortgage webchat with Ray Boulger and Katie Tucker from Charcol, the mortgage specialist has now finished - and thank you to all those who sent in questions. You can read their answers below... PLEASE NOTE: All answers are provided in good faith and do not constitute formal advice. http://www.chataboutmoney.co.uk/webchats.asp?EventID=95 Around 10,000 Polish workers arrive in the UK each month, and one of their first ports of call is likely to be a bank. Opening and managing an account is the initial, crucial step – and in some cases even this can prove difficult – but it is only the beginning. How do you set up as a small business? What’s the best way to transfer money abroad? How can you insure your property in a shared household? If you’re new to the UK, or are reading this from overseas but planning to come, Why not put your questions to our two experts. BOZENA EMMINS, from High Street bank Lloyds TSB, has first-hand experience in helping Polish migrants to Britain open bank accounts and find their way through the maze of finance deals. ELISABETH MAXWELL, from accountancy firm Mazars, is an expert in helping small to medium sized businesses establish presences in new countries. http://www.chataboutmoney.co.uk/webchats.asp?EventID=94 One in four of the UK population will require some form of long-term care in their lifetime - and funding it can be an emotive, complex and expensive prospect. Currently over a third of people in care are paying for that care themselves with little or no support from the state. Without knowing how long funding will be needed, the money can easily run out before the care need does. With fresh legislative changes as of 1st October, and so much to consider, we've organised a webchat with Owain Wright, Head of Long-Term Care Funding Advice Services at Saga. http://www.chataboutmoney.co.uk/webchats.asp?EventID=93 There are only two certainties in life: death and taxes. Sadly, with inheritance tax (IHT) both come at the same time. And with property prices at record levels and people getting wealthier, the impact is more than ever. How can you prepare for the future and prevent the taxman from benefiting - rather than your loved ones? Earlier today, our IHT experts were in the webcam studio to answer your questions. Read on for the full transcript - and thank you to everyone who submitted a question. http://www.chataboutmoney.co.uk/webchats.asp?EventID=92 Recent research by uSwitch.com shows British banks have made billions of pounds in profit by charging just under 20 million customers for going overdrawn and making further transactions whilst still in the red. At up to £35 a time, some people have been stung for hundreds, even thousands of pounds in total, but the Office of Fair Trading thinks everyone has paid too high a price. A recent consumer fight-back has seen thousands of people threaten banks with legal action unless they refund their charges – but with a test case now looming, the payback might be halted with people's compensation claims stuck in limbo. http://www.chataboutmoney.co.uk/webchats.asp?EventID=91 Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea t http://www.chataboutmoney.co.uk/webchats.asp?EventID=90 Just a few years ago banking and shopping online wasn’t an accepted activity due to the fear of the ‘unknown’. Today, a record £10.9 billion is spent online by millions of consumers. However, although the internet is mainstream with most homes having access there are still some who fear the potential threat of fraud. Some have fallen foul at times in the past but there are a number of ways to stay safe online! Michael Barrett, Chief Information Security Officer at PayPal joined us live on Tuesday 19 June at 1pm to offer advice and answer your questions about potential threats, what to look out for and how to avoid being defrauded. See the transcript below to see what was said. http://www.chataboutmoney.co.uk/webchats.asp?EventID=89 Ever wondered how to make the most of your money? The stock market has many great attractions as an investment with more and more people looking at share dealing to secure their long-term financial future - and have some fun too! Whether you’re a novice investor or a stockmarket whizz, managing your share portfolio online from the comfort of your own chair can offer far more control and involvement than traditional investment. To learn more about online share dealing join our live online webchat now with Claudia Philips, Alliance Trust's Investment Dealing expert. http://www.chataboutmoney.co.uk/webchats.asp?EventID=88 Whatever your age or life-stage, if you’re interested in pre- and post- retirement planning, then this live webchat is for you. With us earlier were David Dunn, a director at Fidelity International's Retirement Institute and Tom McPhail, a pensions expert with leading independent financial advisors Hargreaves Lansdown. Whether you want tips on building your fund, beating the effects of inflation, choosing your annuity, or making the most of tax-free lump sums, please see the transcript below to see what was said. http://www.chataboutmoney.co.uk/webchats.asp?EventID=87 More and more people are now choosing to buy property abroad, whether as a dream holiday home, an investment or for a permanent residence. However, buying a property overseas is a significant investment and there are many financial considerations involved which may leave you wondering how best to protect you and your money. Help is at hand in our live webchat right now with Mark Rickard from foreign currency specialists HiFX and Duncan Campbell from Siddalls, an independent financial advisor specialising in providing financial solutions for people, so whether you want to know how to sort out your overseas mortgage, tax, currency and insurance issues or set up regular payments to and from abroad, we hope to answer your questions today... http://www.chataboutmoney.co.uk/webchats.asp?EventID=86 Are you unsure of the best way to save for your future? Are you worried you may not be able to put enough aside for retirement? Whether you’re approaching retirement, actively saving for your future or haven’t started at all, help is at hand in our live webchat today. Alliance Trust Head of Pensions, Hyman Wolanski answered your questions about pensions, please see below for the answers. http://www.chataboutmoney.co.uk/webchats.asp?EventID=85 Planning for our children’s financial future is becoming increasingly important but can be confusing. Help is at hand though in our live webchat with James Saunders Watson (Head of Sales and Marketing for Investment Trusts at JPMorgan Asset Management) and Justin Modray (an independent financial advisor with BestInvest and a regular contributor to advice columns). If you want to know about all the options for saving for your children’s future e.g. Investment Trusts and Child Trust Funds, then please send your questions in now. NB: For more info, and a chance to win one of five family holidays to Disneyland ® Resort Paris, click the JPMorgan link above. http://www.chataboutmoney.co.uk/webchats.asp?EventID=84 Can we really become a nation of greener drivers and what are the trade-offs we might have to make between convenience now and protecting our future? If you'd like to find out more about environmentally-friendly cars, greener fuels, carbon-offsetting or just learn some tips for more fuel-efficient driving then join this free online webchat with Craig Staniland, green guru and underwriting director for leading motor insurer Swiftcover.com. Craig appeared live earlier on the webcam to answer your questions. Read below to see what was said. http://www.chataboutmoney.co.uk/webchats.asp?EventID=83 One in four of the UK population will require some form of long-term care in their lifetime but funding it can be an emotive, complex and expensive prospect. An important consideration for anyone with elderly relatives is being able to pay for care for as long as it is necessary, while best protecting the assets of the person receiving care – however with so many issues to make sense of there is no ‘one size fits all’ solution. To find out more about the solutions that exist and the financial assistance available please see the questions that were submitted to Owain Wright, Head of Long Term Care funding advice services at SAGA during our live online chat. http://www.chataboutmoney.co.uk/webchats.asp?EventID=82 Young or old, super-rich or just ‘an average householder’, if you own a property then, sadly, inheritance tax (IHT) is something that will affect you. What’s more, because of rising house prices it is something that is affecting us more than ever before. Anne Young, tax expert from Scottish Widows, is live now to answer all your questions about inheritance tax including what it is, who’s likely to be liable and how you can avoid it. For general information you can also visit www.leavemore.com http://www.chataboutmoney.co.uk/webchats.asp?EventID=81 Internet shopping is worth more than £8billion in the UK and growing rapidly creating a huge boom in consumer spending. Research predicts that an extra £3.2billion will be spent by 2010 that would not have been spent on the high street. While this is great news for online retailers, there is a fear that small businesses may fall behind in the ultra competitive eMarket. Help is at hand with PayPal, the online payments provider. Carl Olav Scheible, PayPal's Head of Merchant Services was on hand to answer visitors' questions. http://www.chataboutmoney.co.uk/webchats.asp?EventID=80 No one likes to lose money - especially the considerable sums we entrust to financial services firms for our future. Unfortunately, however, things can sometimes go wrong, which is where the Financial Services Compensation Scheme (FSCS) can help. FSCS is a statutory fund of last resort – a financial safety net for consumers - and can pay compensation if a UK-authorised financial services firm is unable, or likely to be unable, to pay claims against it. It is an independent body and free for consumers to use, so if you have - or think you might have a claim - view the transcript from our webchat with Suzette Browne and Esther Norris from FSCS which took place on Monday 30th October at 1.00pm. http://www.chataboutmoney.co.uk/webchats.asp?EventID=79 Test http://www.chataboutmoney.co.uk/webchats.asp?EventID=78 MoneySavingExpert Live Chat with The Financial Services Compensation Scheme (FSCS) What is the FSCS? This is the official back-up scheme when things go wrong in financial services. If there’s a problem with your savings and investments, the FSCS offers some protection and can pay out cash. It covers savings, insurance, investments and since Oct ’04 mortgage advice and arranging. Articles you may be interested in: Act now on mis-sold endowments Reclaim Unfair Bank Charges Cut The Cost of Existing Credit Card Debts Mortgage Guide Remortgage Guide Get Martin's Free Weekly Money Tips Email http://www.chataboutmoney.co.uk/webchats.asp?EventID=77 On 1 October new legislation came into force in the UK making it illegal for employers to discriminate against workers because of their age. The regulations cover recruitment, training and promotion as well as perks, holiday entitlement and retirement. If you would like to know how the new regulations might affect you and your company, then look no further than our live webchat with Sam Mercer, from the Employers' Forum on Age - an employer-led initiative that promotes the benefits of a mixed-age workforce. The chat has now finished but you can read the full transcript of the session below. http://www.chataboutmoney.co.uk/webchats.asp?EventID=76 Worried about how long you’ll need to work before you can retire? Concerned about how much you’ll need to save? Confused about the recent changes in the pensions rules? Unsure why you should have a pension at all? With us now to answer your questions is pensions expert, Ian Naismith. Ian is Head of Pensions Market Development, Scottish Widows, pensions provider and publishers of the recent Scottish Widows UK Pensions Report. http://www.chataboutmoney.co.uk/webchats.asp?EventID=73 Does your cat have a cough, does your dog have diabetes, or has your hamster got a hernia? Whatever your pet, whatever the problem, if you have a question for our vet, send it in now and join Sophie de Pelet, veterinary consultant to pet insurers MORE TH>N live from 1pm today for expert advice. You will see Sophie live on our webcam and questions and answers will automatically appear in the space below. Please note – Sophie will attempt to answer as many questions as possible, but if you believe your pet needs urgent medical assistance now, you are advised to consult a vet immediately. For more information on caring for your pet visit www.pethealthcare.co.uk and keep an eye out for the site's exciting relaunch in just a couple of weeks. http://www.chataboutmoney.co.uk/webchats.asp?EventID=72 No-one likes to lose money - and especially not the sometimes considerable sums we entrust to financial services firms for our future. Things can go wrong though which is where the Financial Services Compensation Scheme (FSCS) can help. FSCS is a statutory fund of last resort – a financial safety net for consumers - and can pay compensation if a UK-authorised financial services firm is unable, or likely to be unable, to pay claims against it. It is a totally independent body and free to consumers to use, so if you have - or think you might have - a claim against a financial services firm join our online chat now with Suzette Browne and Esther Norris from FSCS. http://www.chataboutmoney.co.uk/webchats.asp?EventID=71 Financial services in the UK are generally very safe and reliable, but what happens when a financial services firm goes out of business owing you money? The Financial Services Compensation Scheme (FSCS) is the UK’s statutory fund of last resort for customers of financial services firms, and can pay compensation for financial loss if an authorised financial firm can’t meet claims against it. FSCS covers deposits, insurance, investments and mortgage business. If there something you want an answer to, from knowing how to complain about a financial services product that you think were mis-sold, or what protection FSCS can provide or how to make a claim for compensation then send your question in now to Ian Lamont and Esther Norris - and join the live online chat today from 1pm. http://www.chataboutmoney.co.uk/webchats.asp?EventID=70 If you’d like some help researching your family tree, then join this online chat at 1pm with our two experts from 1837online.com. Elaine Collins is former editor of ‘Ancestors’ magazine and author of the ‘Good Web Guide to Genealogy’, whilst Steve Rigden is 1837online.com’s Head of Research and has been a professional genealogist for eighteen years. Whether you’re totally new to this hobby or just need a little expert help Steve and Elaine are here to answer your questions and pass on some top tips. To take part, send in your question(s) now or just sit and view proceedings. We’ll do our best to answer as many questions as we can. http://www.chataboutmoney.co.uk/webchats.asp?EventID=68 As the saying goes, there are only two certainties in life: death and taxes. Sadly, with inheritance tax (IHT) both come at the same time – a cruel double whammy for many. Joining us now is Anne Young, tax expert from Scottish Widows to answer all your questions about IHT including what it is, who’s likely to be liable and how people avoid it. If you have a specific question you’d like answered – send it now! http://www.chataboutmoney.co.uk/webchats.asp?EventID=67 Welcome to GMAC-RFC’s first ever web chat, discussing the world’s first ever point of sale offer in the mortgage industry. It has been long anticipated, but the first ever point of sale mortgage offer was given this morning through GMAC-RFC’s award winning on-line system. Joining us now and for the next hour is Stephen Knight, Executive Chairman, GMAC-RFC to answer all your questions about point of sale offers. Stephen will be here to answer your questions on how it works exactly, why it will benefit brokers, packagers and consumers. We know you must have hundreds of questions so send them through to virtual Stephen now! http://www.chataboutmoney.co.uk/webchats.asp?EventID=66 With the January 31st self-assessment deadline looming, if you’re self-employed or a higher rate tax-payer you’ve got to act quickly or face a fine! Bernard Oster from Tax Watchdog, one the UK’s leading independent tax specialists for the self-employed and small-businesses is here now live and online so if you have any tax or self-assessment questions, just ask away - now! http://www.chataboutmoney.co.uk/webchats.asp?EventID=65 Hello and welcome! Ray Boulger is Senior Technical Manager for Charcol Online, and one of the UK’s leading mortgage experts. Ray has answered a selection of YOUR questions. Please refer to chat transcript below. N.B. Answers and information are intended for general information purposes, and not intended to constitute advice or guidance which you may rely on, nor are they a substitute for professional advice based on a full understanding of your personal circumstances. http://www.chataboutmoney.co.uk/webchats.asp?EventID=49