chataboutmoney Webchats

Formula One Q&A with Nico Hulkenberg

Your chance to ask F1 driver Nico Hulkenberg a question in our live webchat Bought to you by breakdown cover experts Green Flag, part of RBS Group, an Official Partner of AT&T Williams. Williams F1 team driver Nico Hulkenberg will be answering your questions in our live webchat from 1pm-2pm on Thursday 2nd September. For your chance to ask Nico a question about his life in the fast lane as a Formula One driver, please submit your questions in the text entry box below and then come back at 1pm on the 2nd when we go live.

The state of retirement in 2010

LV=, Britain�s largest friendly society, have published a report that shows nearly two million over-50s have been forced to delay retirement due to the economic crisis. Most are understandably depressed or just plain angry about their situation. Many more say they face the prospect of having a lower income in later life than they were expecting. If you are approaching retirement and are concerned about your financial position, being more aware of the options available to improve your situation may help. Ray Chinn, LV= head of pensions, was joined by Anna Sofat, an expert independent financial adviser from Addidi, to tackle retirement issues, explain how the rules work as well as what your pension options could be.

PR Spam: Is it a problem and what's the solution?

Could you benefit from multi-manager funds?

Continuing volatile markets mean investors are increasingly looking to multi-manager funds in order to build a well diversified portfolio. However, knowing where, when, and if you should invest is a different matter. To find out the answers to these questions and more watch this webcast with Andy Parsons, advice team manager at The Share Centre, and Tony Lanning, portfolio manager of the Gartmore multi-manager Balanced fund.

More than money: how business and charities can make the most of their partnership

In tough economic times, business support for the charity sector is vital - but the best partnerships go further than just giving cash. Knowledge-exchange, secondments and capacity-sharing are all ways to create not just valuable and valued support for partner charities - they can also have wide-ranging benefits for business, in terms of employee engagement, development and experience. To find out more, watch this webcast with Paul Amadi, director of fundraising, NSPCC; Michaela Wright, Head of Corporate and Social Leadership, first direct; and Neil Berkett, chief executive of Virgin Media. Drawing on first direct�s successful partnership with NSPCC they discussed how business and charities benefit from close collaboration, as well as providing plenty of helpful suggestions. Whether you work in the third sector, are involved in your business� charitable initiatives, or just have your own favourite charity close to your heart � this is webcast will give ideas and inspiration.

Reducing the Cost of Your Overseas Property

Over a million of us currently own a home abroad. However, the global economic slowdown has hit all homeowners with overseas property owners struggling to meet the increased cost of maintaining their home. Are you one of those affected looking for ways to ensure you can keep your home abroad whilst trying to meet increased costs? Well, help is at hand with our live expert webcast on Wednesday 12th May at 1pm. Submit your question now to Mark Bodega from HiFX currency brokers, Erica Chang, expert in overseas property rentals from Owners Direct and Harri Matikainen, Senior Tax Adviser at Blevins Franks, a leading international financial advice group.

How can PROs build relationships with bloggers?

Improving your financial wellbeing webcast

A quarter of us admit to being more afraid of neglecting our financial security than anything else in life. Although we know it�s important to look after our finances, we often don�t have time to take proper care of them. Research from Scottish Widows shows it�s a worry for many, with a third of us not prioritising our finances enough. Does this affect you? If so, help is at hand if you are concerned about planning your money, don�t think your savings are working hard enough or need help with planning things like your pension. Previously we were joined by savings expert, Alison Morris to answer your questions on financial wellbeing.

Could you benefit from emerging markets?

Funds which invest in emerging markets have become increasingly popular with investors. To find out why and where you could invest for strong returns, we were joined previously by Sheridan Admans, investment adviser at The Share Centre, and Peter Eerdmans, fund manager of the Investec Emerging Markets Debt fund who answered questions. Don�t forget, investments, their value and the income they provide can go down as well as up and you might not get back what you originally invested.

How do you evaluate the impact of PR and social media?

Should PR success be measured by media cuttings? Some in depth formula based on media coverage and the brand's buzz rating? Or should PR be judged simply by the return on investment? And while we're on that subject, is it possible to measure the ROI of a PR campaign? We've lined up some leading panelists to discuss this issue. Please submit your questions below ahead of the web chat on Tuesday.

All your Budget questions answered - live!

This year�s Budget comes as Britain slowly emerges from recession and a General Election nears, leaving Chancellor Darling under pressure to deliver a rosier picture of economic recovery. With the country facing a �178 billion deficit, will the Chancellor have limited room for manoeuvre when he delivers his financial statement, or should we expect the odd surprise or two? Live during the Budget we were joined by Christine Ross, Group Head of Financial Planning at Soci�t� G�n�rale Private Banking Hambros and Daniel Crowther, Tax Director with KPMG LLP to answer the questions you had about what the proposed measures mean for you. Click the arrow below to see what was said.

Take Tax Action now - avoid paying too much tax!

Unbiased.co.uk�s annual Tax Action report reveals a whopping �9 billion is set to be wasted in unnecessary tax payments this year - yet a massive 86% of consumers admit to doing nothing to reduce their tax burden. The largest areas for tax wastage are Tax Credits, where consumers stand to waste nearly �4 billion this year, followed by Inheritance Tax at nearly �2 billion. But how can we find out how to save money on tax, as well as take advantage of the tax breaks available to us? To help make tax less taxing, unbiased.co.uk�s IFAs offer their top tips on tax here. You can also log on to unbiased.co.uk to find a local IFA who can advise you.

The cost of a child

The ongoing economic crisis means tough times with many families cutting back on spending as they feel the pinch. And no wonder: new research from the UK�s largest friendly society, LV= reveals that cost of raising a child from birth to age twenty-one has now reached more than �200,000. In our recent webcast, Nigel Snell from LV= and guest expert Nifa McLaughlin, editor of parenting site gurgle.com, discussed the research and the implications and practicalities for parents around the UK. Thank you to all viewers who submitted questions or comments at the time - we tried to answer as many questions as we could in the half-hour slot. The webcast is now available to watch anytime on-demand, simply by clicking the play button below.

Home buying advice: Live webcast

Volatile house prices and a shortage of mortgages mean tough times for everyone in the housing market. Particularly for a first time buyer, the process can be very daunting and stressful. That is why getting specialist, independent advice is vital. If you are currently in the process of buying a house or looking to get onto the property ladder then you can watch our webcast again now. Our experts were Melanie Bien, Director at Savills Private Finance and Fiona McIntosh, conveyancing expert from Cripps Harries Hall LLP who answered your questions. You can also visit www.unbiased.co.uk for general information on the conveyancing process and how to find the right mortgage for you, and to find a mortgage adviser and solicitor near you who can advise you.

Seek the winners as the world cleans up

Climate change is now firmly centre stage. But what it means for investors, and how to profit from it is far less clear. With the Copenhagen Summit only days away attention is focused on the environmental technology industry as never before. Will it deliver the promised next industrial revolution? Or are politicians at home and abroad staking their future on bold promises that can�t be delivered? Whether you already invest in �clean� technology or want to explore the potential profits of going green, join our live webchat on Friday 4 December at 12.30pm and submit a question. Our experts, Bozena Jankowska, manager of Allianz RCM Global EcoTrends Fund and Mark Hoskin of Holden Partners, will be here to help you out. Submit your questions now and come back to join us when we go live 4 December.

Women and Pensions live webchat

The recent Women and Pensions Report revealed that less than half of women save enough for retirement � just 47% compared to 59% of men. In today�s live webchat, Ian Naismith from Scottish Widows, creators of the report, will answer your questions on how to better save for your retirement � and advise on everything from the pensions benefits provided for women, to the effect that being out of the workforce for a time will have on your pension. Whatever your query, send in your question now � and Ian will answer as many as he can before 1.30pm today.

How to book your next holiday with confidence!

Disruption has affected air, road and rail journeys for many travellers recently, but it's been a torrid time over the past 18 months with more than 60 travel providers collapsing - including leading operators XL and Globespan - stranding passengers and leaving them out of pocket. Previously, we were joined in a live webcast by Bob Atkinson from travelsupermarket.com and Sean Tipton from ABTA giving advice so that you can book your next holiday with confidence. Whether you've been left not knowing your rights; have a big problem with small print; suffer confusion over 'exclusions'; or just need to know what to ask before you book - you can watch Bob and Sean again here.

You and your money

Managing your finances can be difficult at any time but with interest rates at a record low and the recession hitting many households hard, it�s tougher than ever. But help is at hand. On Thursday 5th November we hosted a live webchat with Chris Pond, Director of the Financial Capability Division at the FSA, and Kevin Mountford, Head of Banking at moneysupermarket.com, answering your questions. So if you�re struggling to make ends meet or looking for the best home for your money in this low interest-rate environment, now is your chance to watch the webcast again and see if your question was answered!

Are you staying safe online?

So many of us rely on the internet � yet many people are still frightened of online fraud from phishing emails and online scams. However, there are simple ways to protect yourself � and in this live webchat Garreth Griffith, Head of Risk Management at PayPal UK, answers your questions. From how to spot fake emails, to how to shop safely online, if you have a question for Garreth, send it in now and join us live for all the answers.

Write a Will Week: expert legal and financial advice

Writing a will is the best way to make sure your estate is passed on to your family and friends exactly as you wish in the most tax efficient manner � and this is why independent legal and financial advice should be sought to ensure your final wishes are carried out. If you are in the process of or thinking of writing a will then join our free online live webcast now with Unbiased.co.uk�s experts: will and probate solicitor, Peter Nellist and independent financial adviser, Danny Cox. And you can also visit www.unbiased.co.uk for general information on will writing, and to find a solicitor and IFA near you who can advise you.

Get help through the mortgage maze

There are tentative signs that the mortgage freeze may be beginning to thaw but millions of people, whether they�re would-be first time buyers or existing homeowners, are still struggling to get a mortgage. Others are confused about the different types of mortgage available. Whatever your quandary, Abbey�s head of mortgages, Nici Audhlam-Gardiner, and David Hollingworth from independent broker, L&C Mortgages will be joining us on Tuesday 6th October to answer your questions in a live webchat. Submit a question now and come back to join us at 1pm on 6th October.

Investing in the future leaders of the world

As market confidence returns, the "BRIC" countries of Brazil, Russia, India and China are steadily increasing their global economic presence. As these economies move out of the shadows, there is talk of a future where the United States no longer leads the world�s economy. But what does this mean for investors? Should they join the BRIC success story, and do the benefits of investing in emerging markets outweigh the risks?

Tackling insurance issues

Got an insurance query? In this month�s webchat we�ll be tackling insurance-related issues. Are you struggling to get your home insured? Perhaps you�re going on a trip of a lifetime and have a question about travel insurance; or has your car insurance premium shot up for no apparent reason? Whether it�s a query about the level of cover, the price, or the claims process, Julie Owens, head of home insurance and home services at moneysupermarket.com, will be here to answer your questions. Submit a question now for our live webchat and come back to watch the event live on Thursday 17th September at 1pm.

Avoid the divorce pitfalls: getting expert legal and financial advice

A divorce is an emotional and stressful process with potentially huge financial implications. This is why appropriate legal and financial advice should be sought to protect yourself, your family, and your assets. If you are going through a divorce, or are about to embark on the process, then you may find this free online live webcast useful. Answering questions submitted by online users were Unbiased.co.uk�s experts: divorce solicitor, Shelley Hesford and independent financial adviser, Dennis Hall. For further advice you can also visit www.unbiased.co.uk for general information on divorce, and to find a solicitor and IFA near you who can advise you on divorce issues.

Pension planning in the current environment

In the current economic climate it makes more sense than ever for people to be saving into a pension, and taking advantage of associated the tax benefits. But when it comes to planning for retirement and organising a suitable pension, it can seem complicated and even daunting. What kind of pensions are out there? How much should you be saving each month? How can you maximise the benefits? Whether you want to know about workplace pensions, or how to start a personal pension, Ian Naismith, Head of Pension Market Development at Scottish Widows will be able to answer all your questions.�

Investing for Income: Ask the experts

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Important Information

Recent events have made the search for income a difficult one as investors suffer low interest rates, made worse by the prospect of inflation and questions over the security of government bonds. Yet having regular, sustainable income is still one of the highest priorities for many investors, who see their savings earning as little as 1% in the majority of high street accounts. Still the question remains � where can you find those opportunities? And how can you make the most of your investments if you are an income seeker?

Save on your borrowings

Life�s been tough for many of those looking for a mortgage or loan. Since the onset of the Credit Crunch, banks and building societies have become more cautious about who they�ll lend to. But there have been a few signs recently that things maybe beginning to improve. So if you�ve been struggling to get a loan or mortgage or are wondering whether now is a good time to borrow, submit a question for our live webcast on Thursday 4th June at 1pm. Here to help you will be Louise Cuming, head of mortgages at moneysupermarket.com and Tim Moss, moneysupermarket.com�s head of loans and debt. So send in your questions now and come back and join Louise and Tim when we go live!

Sarah Beeny answers your questions

Falling house prices and a shortage of mortgages mean tough times for everyone in the housing market from everyone. If you�re struggling to get on the housing ladder, unsure if now is a good time to sell, or wonder what improvements will add most value to your home, property expert Sarah Beeny is here to help. Sarah has a new website - Tepilo.com � which will enable house sellers and purchasers to by-pass the estate agent and benefit from Sarah�s wealth of experience along the way. First though she�s here to answer your questions in this live webcast. Submit your question now and join us again for the answers when we go live!

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Save on your borrowings

Take control today - Women mean business!

If you are a woman considering starting up your own business this webchat may be for you. Whether you�re harbouring a burning idea, have a passion or hobby but aren�t sure how to turn this into a business, or are considering your options after a break from employment, there has never been a better time to seize the day, take control of your future and turn your money making ideas into reality. In the first of our series of Take Control Today webchats we�ll be joined by Julie Hall, CEO and editor of Women Unlimited, an online community for female entrepreneurs packed with all the business tips and advice you will ever need. Joining Julie to answer your questions will be Samata Angel, fashion designer to the stars and Make Your Mark Ambassador. To take part in the discussion and have your question answered by our expert entrepreneurs, simply join us live at 1pm on Wednesday 20 May or submit your question now!

Test Chapters

Making the Budget work for you

The devil�s in the detail so they say, and once the dust has settled following this year�s Budget what will it actually mean for you, your family, your future? And will you have more money in your pocket? If you want to cut through all the post-Budget analysis and find out exactly it all means for you, ask a question of our expert panel in our latest live webcast. We will be live on Wednesday 29th April at 1pm with Mike Warburton, accountant at Grant Thornton, Amanda Davidson, IFA with Baigrie Davies and Kevin Mountford, head of banking at moneysupermarket.com. They will be live to answer any question you may have and provide guidance on how you can make the most of the Budget. So submit your question now, and come back and join us when we go live.

Budget Special with Yvette Cooper

What do you think about the announcements in the budget? Will you be better off, worse off or aren�t you sure? Yvette Cooper MP, Chief Secretary to the Treasury will be joining us for another live webchat, so you can put your budget-related questions directly to a senior government minister. Yvette is part of the team which compiled the budget. She knows exactly what the Government is doing with your money as it seeks to stimulate the economy and get the country out of recession. Yvette will be joining us live at 3.30pm on Thursday 23 April, with Clare Francis, editor of moneysupermarket.com, putting your questions to her. Maybe you�re a saver who�s struggling in this low-interest rate environment; perhaps you�ve recently lost your job and are concerned about when you�ll find a new one; or may be you�re trying to get onto the housing ladder but finding it difficult. Whatever your situation, submit your question now.

All your Budget questions answered

The Government is under immense pressure to bring some cheer to the British public in the Budget. But how much room does it have to manoeuvre, and how much has Alistair Darling, the chancellor, got to give to win the hearts and minds of the electorate? Whatever questions you have or clarifications you need about the Budget, we have two experts on hand. Peter Davis and James Meakin, tax specialists at accountants and business advisers Baker Tilly will be online to answer your questions and provide you with answers. To take part, you can send your questions in now or you can wait until the Chancellor stands up in the House on Wednesday at 12.30.

The Crunch! How to beat the downturn

Managing your finances during uncertain times like these can be challenging. At Lloyds TSB we're here to help - and in this live webchat we aimed to offer you guidance on how to make it through the current economic downturn. On hand we had Lloyds TSB�s Financial Health Specialist Alison Wood and Chris Tapp, director at money education charity, Credit Action. You could ask any question you might have had � from making the most of your money to how to budget better � and Alison and Chris were here on Thursday 30th April - to answer as many questions as they could. So see below the questions you asked along with Alison and Chris' answers!

Question time with Jeremy Browne MP

Following on from our recent webchats with Yvette Cooper and Mark Hoban, next in the hot seat is Jeremy Browne MP, Shadow Chief Secretary to the Treasury for the Liberal Democrats. Jeremy is responsible for helping set the Liberal Democrats� financial policies. Clare Francis, editor of moneysupermarket.com, will be putting your questions to him in a live webchat at 1pm on Wednesday April 1. As always, your questions really do set the agenda. So if you want to know what the Liberal Democrats would do to tackle to recession and ongoing financial crisis and how their policies would affect your finances submit your questions now and come back and watch when we go live.

Business finance - busting the myths

Whether you�re at the start-up stage, have a burning idea, or want to take your existing enterprise to the next level, how to access finance will always be an important consideration. We will be joined Bill Morrow co-founder of Angels Den, and Emmett Kilduff, founder and CEO of cmypitch.com. For the chance to learn everything there is to know about accessing finance including the lowdown on pitching for investment simply join us at 1pm on Tuesday 24 March for the live event or submit your question now.

Managing your money in a recession

For one in four of us this is our first experience of a recession and our first time to experience the full force of �recession depression�. Managing your finances during uncertain times like these can be challenging, regardless of whether you have experienced a downturn before or not. If you�ve unfortunately lost your job, are struggling to keep up mortgage payments, need help with day-to-day finances or just want a plan of action in place in case of that rainy day - then you might find this free, live webchat helpful.

Go online and keep your business on top � Learn how to slash your marketing and PR budgets

In a recession how can you create buzz about your business and reach audiences without blowing the budget? Find out how to speed up in a slowdown using the web and social media in our live webchat. With us are Raj Anand, Make Your Mark Ambassador and winner of the Business Week European Young Entrepreneur Award 2007 for Kwiqq.com which builds custom-made social networks for businesses. Joining Raj will be entrepreneur Jennifer Pirtle, founder of The Make Lounge, which runs contemporary craft workshops, event nights and team building events. The Make Lounge supported Twestival and Jennifer has built a large online community. Both guests are here - so send in your questions now!

Avoid paying too much tax!

Billions of pounds of hard earned cash is being wasted every year through unnecessary tax payments or failure to use tax breaks. But how can you ensure you are paying the right amount? And how do you find out about tax breaks available � let alone being able to benefit from them! Help is at hand with Anna Sofat, an IFA from Addidi Wealth Management and Jason Witcombe, an IFA from Evolve Financial Planning, who will be joining us on Thursday 12 March at 1.00pm to answer all your tax questions. To make a start go to www.unbiased.co.uk for general tax information and to find an independent financial adviser near you who can advise on tax issues.

Question Time with Mark Hoban MP

We were inundated with your questions to Yvette Cooper in our recent webcast. So now is your chance to put your questions and comments to the man on the other side of the fence, Mark Hoban MP, Shadow Financial Secretary to the Treasury. Mark has responsibility for shaping the Conservatives� financial policy ahead of the next General Election. He will be joining us live at 1pm on Wednesday 11th March, with Clare Francis, editor of moneysupermarket.com, putting your questions to him. So if you want to know what he thinks of the Government�s handling of the credit crunch, what he would be doing if he was in the hot seat or what the Conversatives� plans are to help lift us out of the recession gloom, submit your question now and comeback and join us when we go live.

Managing cash flow

Successfully managing cash flow is a vital consideration for any small business and getting the process right can be make or break, particularly in a tough trading environment. Find out how to stay on top of the money coming in and going out of your business and avoid those pitfalls with our cash flow management web chat. John Davis Marketing Director of Barclays Local Business will be on hand to provide expert answers to all your burning business cash-flow questions from 1pm on Tuesday 24 February. John is responsible for Product, Proposition and Marketing for Barclays Local Business which handles business banking for more than 750,000 small business customers across the UK. Simply submit a question � and join us for the live event!

Cut Your Bills Webcast Live

From gas and electricity to mortgages and mobiles, your money can go further and there are savings to be made. But how can you make sure you are on the best deals for you? And how can you make your savings go that extra mile? If you think you are paying over the odds on your outgoings or are having your hard earned savings squeezed and would like advice and ideas on how to beat the crunch, join us at 1pm on Thursday 5th March for our latest webcast. Live to answer your questions will be Utilities Manager, Scott Byrom and Site Editor, Clare Francis from moneysupermarket.com. So if you think you should be cutting your household costs or making the most of your savings, submit a question to Scott and Clare now, and come back and join us when we go live.

Ask Yvette Cooper MP

With the country in the grip of recession, many people are worried about what the future holds. Now is your chance to put your questions to a Government minister. Joining us live will be Yvette Cooper MP, Chief Secretary to the Treasury. Yvette advises Gordon Brown on all things financial. She knows exactly what the Government is doing with your money to ensure the financial future for us all in recession-hit Britain. Yvette will be joining us live at 1pm on Wednesday 25th February, with Clare Francis, editor of moneysupermarket.com, putting your questions to her. So if you're frustrated with your finances, feel flummoxed by the fall in house prices or being driven crackers by the mortgage crunch and don't know where to turn for advice, submit your question now.

A transcript of this chat is now available. To view or download this click here

How to be a Frugal-preneur � Money saving masterclass

In these difficult financial times - what can entrepreneurs learn about applying thriftiness to their business? If you would like to find out more about how to not just save money but also make your money work smarter, then our frugal-preneur web chat is for you. Home business expert Alan Young FCCA works with Enterprise Nation advising home based entrepreneurs - he is also a successful entrepreneur as CEO of 1st Addition Accountancy Limited originally set up and run from Alan's own home. Joining Alan will be Clive Lewis, Head of Small and Medium Sized Enterprise (SME) Issues at the Institute of Chartered Accountants in England and Wales (ICAEW). Clive is responsible for developing ICAEW policies on SME issues and communicating to government. They are both here now to provide expert answers to your questions.

Craving for Savings?

As the credit crunch continues, it�s important to really make the most of your money � including your savings. But with banks slashing rates � finding the higher rates of interest is getting harder. And in the current financial turmoil, who can you trust with your money anyway? If you�ve got questions on how to survive � and thrive � safely in the recession, then this free, live webcast is something you should watch - as Kevin Mountford, Head of Banking at comparison website moneysupermarket.com answers questions sent in via the Internet. If you�re craving to save money � but would like some help watch this on-demand webcast now! And for more information on how you can spread your money around and make sure every penny is protected read moneysupermarket�s article Who owns who?.

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Christmas and the Credit Crunch

Christmas is on the way, but even those who don�t believe in Santa Claus concede the downturn is heading for an official recession. It�s �snow �joke and unless your finances are deep, crisp and even, you might find your assets particularly frozen in the months ahead. More than ever then making the most of your money is vital, and perhaps the most important shopping you can do this Christmas could be for a credit card, savings account or mortgage. But where to begin? Earlier today, mortgage and savings expert Kevin Mountford and credit card guru Pete Harrison from comparison website moneysupermarket.com were live in the studio to answer your questions - and give advice on how to make the most of your money ahead of Christmas and enjoy a financially happier new year. If you missed the show live, it's not too late to catch all the action - just click play to watch Kevin and Pete come to the financial rescue!

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Long Term Care Funding

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, especially as research suggests that there is a significant regional difference in the cost of long term care.

Be Your Own Boss

Many of us want to escape the rat race, but what practicalities do you need to consider when taking the leap from employee to entrepreneur? If you have ever dreamt of being your own boss, but don�t know how to turn this fantasy into reality, then this is the web chat for you. Home business expert Emma Jones, founder of Enterprise Nation and author of best selling enterprise bible Spare Room Start Up will be on hand on Friday 21 November at 1pm to answer your questions. Joining Emma will be David Erasmus, founder of Teachme2 and Oliver Sidwell of Rate my Placement who will be sharing their personal experiences of this journey. If you have a query you want answering then submit it now and don�t forget to come back and join us for the live event on Friday 21 November,

Can Entrepreneurs Change the World?

What does the world entrepreneur mean to you? Wealth? Excess? Greed? If these images come to mind, then think again. Social enterprises � which aim to make money AND make a difference, are one of the fastest growing types of new business in the UK today. From Jamie Oliver�s acclaimed Fifteen restaurant business to the Big Issue founded by John Bird, there are a wealth of businesses across the UK set up to solve some of society's biggest issues, while still making a profit. If you would like to find out more about the business model capturing the imagination of a new breed of entrepreneurs � then join Phil Conway of Cool2Care and Genevieve Dowokpor, Chief Executive of Youthology at 1pm on Social Enterprise Day (Thursday 20 November) for a live chat on all things social enterprise. Can entrepreneurs change the world? Join the debate and submit your questions now!

Aim High, Think Big!

To celebrate Women�s Enterprise Day, join us for a special web chat on Wednesday 19 November, where we will be offering tips and advice to enterprising women on developing the confidence to develop, launch and grow your business. In the hot seat answering your questions will be Clare Logie, Director of Bank of Scotland Corporate's Women in Business programme, which aims to support and encourage women who want to start or grow a business. Joining Clare will be Sharon Connelly, founder of women�s lifestyle and image consultancy Maximise Group . Simply submit your questions in the space below, and join us live at 1pm on Wednesday 19 November to take part in the chat.

All About Finance

There may never be a bad time to start a good business, but how do you negotiate the current financial downturn, as a business owner without getting caught in the crunch? Are there alternatives to traditional means of funding? Is it possible to capitalize on the financial downturn? What top tips can help you prepare to pitch for investment. Whatever your business finance problem, if you have a question send it in now and join entrepreneur Lisa Newton, founder of bookkeeping service Boogles Ltd and financial advice service YURBroke live on Tuesday 18 November at 1pm for expert advice.

Turn Your Passion Into Profit!

They say if you do what you love, the money will follow, but how do you make this into a reality? If you would like to find out more about how to turn a hobby or interest into a profitable and viable business, then our Passion into Profit web chat is for you. Jazz Rose, founder of J&C Sports Academy. and Jonny Madderson co-founder of Just So Films are young entrepreneurs that have successfully turned their passions into profit. They will both be here live from 1pm on Monday 17 November to provide expert answers to your questions. Simply submit a question � and join us for the live event on Monday 17 November at 1pm

Equity Release - Is it right for you?

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.

Emerging Markets webchat

Important Information

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.

Turning your hobby into a business

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.

A craving for saving?

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.

Planning for retirement

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.

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Discover your family history

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!

Discover your family history!

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!

Car Insurance: Finding the right deal for you

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!

All your Budget questions answered

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.

Emigration: money matters � live webchat

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.

Make the most of your savings this ISA season

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.

Your pension questions answered here!

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.

Use your 'extra day' - and take the pensions leap!

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.

Boom or gloom - what next for the housing market?

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.

Polish banking webchat

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.

Get advice on long-term care

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.

How to avoid the Inheritance Tax trap...

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.

Reclaim those bank charges!

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.

Lansons Summer Party Test

Stay safe online

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.

Shares and shares alike!

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.

Aspire to retire?

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.

Buying property abroad - live webchat

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...

Does your pension need attention?

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.

Saving for children - live webchat

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.

Clean Green Driving Machines

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.

Thinking ahead - Long term Care Funding

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.

Avoid the inheritance tax trap!

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

Making the eMarket your Pal

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.

Financial Compensation - do you have a claim?

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.

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Financial Compensation - do you have a claim?

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

It's an age-old story...

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.

Money too tight to pension?

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.

Ask the vet about your pet!

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.

Financial Compensation - do you have a claim?

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.

Financial Compensation - do you have a claim?

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.

The generation game - discover your family history

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.

Get your house in order - reduce your inheritance tax!

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!

Breaking news: First ever point of sale mortgage offer

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!

Beat the self-assessment deadline - and save money!

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!

All your mortgage questions answered!

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.