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Election planning for your finances, digital tax returns and balancing your budget

Taxing questions ahead of the General Election - as the spending pledges of the major parties add up, how might the tax rules change to pay for it all? Presenter Claer Barrett talks to Nimesh Shah, a partner at Blick Rothenberg to get the answers. Plus, if you’re already dreading your annual tax return, would you prefer it if computers did it for you? Chris Giles, the FT’s economics editor, has been probing the future shift toward personal tax accounts that could deduct what you owe in real time! And finally, Becky O'Connor from Royal London tells listeners about a host of savings tips and tricks that could help you balance your own budget. 

 

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How to find a financial adviser, general election planning for your finances and the rise of the 40 year mortgage

How to find a financial adviser - a relationship with an adviser you can trust is something that FT readers often tell us is hard to come by. FT Money editor Claer Barrett talks to Damian Fantato, deputy editor of FT Adviser about the solution. Plus, with less than a month to go until the general election, financial advisers tell us they are getting calls from a lot of worried clients - we discuss what's troubling them. And finally, the rise of the 40-year mortgage - Paul Lewis, presenter of BBC Moneybox is here to share his own worries about extra long hours.

 

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The general election and your finances, the gender pensions gap and our love/hate relationship with cash

The general election and your finances - with a week to go, what changes could the major parties bring in? Presenter Claer Barrett talks to Rachael Griffin, a tax expert at Quilter, about the pledges. Next up on the show if you're self employed, have you got a pension? A third of self-employed women say they are saving nothing into a pension. Blogger Emma Maslin, better known as the Money Whisperer, has lots to say on this topic. And finally - they might say it's vulgar to talk about money, but James Max, our Rich People's Problems columnist is here to explain why he loves cash.

 

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Pensions advice, new overdraft rules and Latin terms in the investment world

Have you been mis-sold pensions advice? FT Money Show presenter Claer Barrett talks to the FT's pensions expert Josephine Cumbo about the suitability of financial advice in relation to retirement planning. Next up on the show we discuss how the new bank overdraft rules could affect you. And finally, does your financial adviser speak your language? FT columnist Moira O'Neill has spoken out against the widespread use of Latin terms in the investment world - should it be allowed to continue ad infinitum?   

 

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UK Budget, coronavirus planning and crashing stockmarkets

It's been a week of shock and awe for UK investors. Wednesday started with an emergency interest rate cut from the BoE. New chancellor Rishi Sunak then delivered a Budget full of emergency "first aid" measures to help workers, the self employed and small businesses survive the crisis - and some very unexpected news for wealthy pension savers. And in the meantime - stock markets around the world continue to experience deep falls as central banks work out how to respond to the coronavirus.

 

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South Africa’s central bank slashes rates to post-apartheid low

Reduction is second in under a month as country braces for an extended coronavirus lockdown




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Default at South Africa’s Land Bank increases pressure on Ramaphosa

Century-old agriculture lender is latest state group in need of government support




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Mozambique’s Islamist insurgency adds to gas industry nerves

Violence surges as sector faces headwinds from oil price crash and coronavirus 




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Covid-19 focus threatens precarious malaria progress

Pandemic could set back the fight against malaria by 20 years, with Africa hit worst




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How to tackle malaria, by a sufferer turned scientist

Local drug research and joined-up thinking are needed to deliver results on the ground




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Zimbabwe pleads for aid to avert ‘collapse’ and fight Covid

IMF and other international institutions cannot lend to Harare because of debt arrears




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Be careful how you play the Bame game when recruiting

You will not keep a diverse workforce unless its members feel they are fully part of the organisation




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Iceland football boss — part-time dentist

Adding a sporting dimension to your career can be therapeutic




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It is not too late to recreate yourself

One thing that almost anyone who has ever changed career direction has done is to retrain




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Why it’s time to cut back on glass wine bottles

Don’t be snobbish about wine in cans, pouches or cartons. Glass bottles have a far higher carbon footprint




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Five claims from US health official behind whistleblower suit

Rick Bright alleges government ignored coronavirus warnings and engaged in ‘cronyism’




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Premier League sought action on Saudi piracy claims before Newcastle deal

English football’s top division wrote to US government over Saudi’s alleged illegal screening of matches




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Netflix plans to reopen production on shows and films

Sanitiser and masks appear on sets in South Korea, Japan and Iceland after shooting restarts




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Millions of Americans face crisis payment delays

Consumers who use tax preparation services or software could have to wait months for money




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Second homeowners accused of exploiting loophole to claim virus cash

Politicians say properties are being classed as holiday lets to be eligible for grants




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Tax tribunal struggling to cope with remote hearings, lawyers say

Disputes backlog in ‘under-resourced’ lower court reached 27,280 last quarter




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Play trick or treat with your finances this Halloween

Spookily effective savings tips if your money has vanished by the end of the month




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Nicola Benedetti: ‘Classical music is like a novel, not a tweet’

The violinist on making high art popular and what #MeToo means for musicians




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Ken Clarke: ‘Do we carry on with crash, bang, wallop nationalism?’

The Tory grandee on Thatcher, Johnson — and how centrist complacency fuelled Brexit




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Chrystia Freeland: ‘We liberals have had a rude awakening’

Canada’s deputy PM on moving from the ‘snark’ of journalism to the ‘smarm’ of politics




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Lloyd Blankfein: ‘I might find it harder to vote for Bernie than for Trump’

The former Goldman chief executive on the crash, the criticism — and sparring with Bernie Sanders




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Ebola co-discoverer Peter Piot on how to respond to the coronavirus

The ‘Mick Jagger of microbes’ on a life of fighting disease — and the severity of the current crisis




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Moeen Ali: ‘You would play for free, honestly’

The England cricketer on finding his faith, burnout — and why he can’t wait to get back on the pitch




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Mine closures bolster metals prices as demand collapses

Supply disruptions expected to increase as governments impose lockdowns 




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Last boat to St Helena

One of the remotest islands on earth is getting an airport — and that could change everything




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Revising Ireland’s Easter Rising

How has modern Ireland changed the way it views the events that took place in Dublin 100 years ago?




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Middlesex take county cricket title in blazing fashion

With an hour of season to go, three of the nine teams were all in with a chance of winning




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Are we seeing the strange, lingering death of Labour England?

In Stoke-on-Trent, Matthew Engel finds a party struggling to answer the simplest questions




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All work and no play? The new ‘uni’ experience

Academics and students on campus life in the era of ‘knowledge corporations’




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The Last Wolf by Robert Winder — island stories

Geography is destiny in this historical meditation on the peculiarities of the English




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England face Ashes test after World Cup glory

Amity between old adversaries almost certain to crumble once first ball is bowled




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Property law: can I work from home if it is rented?

Some leases prohibit doing business — plus what to do when coronavirus halts completion of a sale




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The gift of isolation: my weekend at a writers’ retreat

Before the world went into lockdown, Rebecca Watson found herself in a very different kind of confinement




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Superdrug becomes latest retailer to slash rent payments to landlords

Health and beauty chain cites ‘unprecedented decline’ in footfall




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Travelodge asks landlords to take £146m rent hit

Company says it will be ‘several years’ before revenues return to 2019 levels




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López Obrador’s virus nonchalance risks deepening Mexico’s woes

President acts as though Latin America’s second-largest economy is immune to pandemic




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Venezuela faces threat of coronavirus catastrophe

Oil price collapse and crumbling health system put Latin American nation at risk




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This is the time to waive sanctions on Venezuela

The need for an effective fight against coronavirus trumps other considerations




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US proposes interim government to break Venezuela deadlock

Maduro regime rejects latest Washington plan despite fears of humanitarian catastrophe from Covid-19




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Mystery surrounds foiled ‘plot’ to liberate Venezuela

All attempts to remove President Nicolás Maduro from power have failed




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Latin America’s left spots comeback opportunity amid coronavirus fallout

Region’s ‘Pink tide’ leaders see chance of revival as inequality and public health concerns take centre stage




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Venezuelan migrants face tough choices as virus spreads

Work dries up under lockdown but returning home could be more perilous than staying put




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Pandemic forces Brazil’s ‘Chicago boys’ to revise reform plans

Finance minister Paulo Guedes has had his liberal economic agenda sidelined by emergency measures




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Venezuela’s new oil minister — a wanted man with suspected Iran links

Tareck El-Aissami has little experience — and a $10m US bounty on his head




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Michael Milken, junk bond king wins pardon at last

Decades of philanthropy pay off for one of Wall Street’s most complicated figures