The Money To The Masses Podcast

Ep 484 - How to spot & avoid the latest top scams: Online, Offline & AI-Powered
This week's episode is dedicated to scam awareness! Damien and Andy discuss the most common scams around online shopping, deliveries, and social media marketplaces. They also delve into the alarming rise of impersonation scams, including those involving HMRC and winter fuel payments. Finally, Damien and Andy examine the terrifying growth of AI-powered scams like voice cloning and deepfakes. We explain how many of these latest scams work and share practical tips on how to identify them and useful strategies on how to avoid becoming a victim. Watch the whole show on YouTube here: Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. 00:00 - How to spot and avoid the latest scams 04:30 - Online Shopping Fraud and scams revealed 13:53 - Understanding Card Not Present Fraud 15:22 - Tips for Safe Online Shopping 17:43 - Delivery Scams and How to Avoid Them 18:57 - QR Code Scams: What You Need to Know 21:09 - Impersonation Scams: Protecting Yourself 21:34 - Bank Scams and Verification Tips 25:09 - Understanding Impersonation Scams 26:18 - Winter Fuel Payment Scams 27:56 - AI Scams: Voice Cloning and Deep Fakes 35:36 - Resources and Support for Scam Victims Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Tik Tok - https://www.tiktok.com/@moneytothemasses Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Links referred to in the podcast: Best budgeting apps in the UK for 2025 My bank helped fraudsters steal £4k from my children's savings What are the new APP fraud reimbursement rules?
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Ep 483 - Trump trade 2.0, unwinding pre-Budget pension withdrawals & energy market update
In this week's podcast, Damien discusses the potential impact of Donald Trump's return to the presidency on investment markets. Next, Damien explains the implications for those who withdrew tax-free cash from their pensions ahead of the budget, focusing on the potential tax penalties they may face if they try to put the money back into their pensions before giving some alternative options for using the withdrawn funds. Lastly, Andy explains the changes to the energy price cap and advises listeners on whether now is a good time to fix their energy tariffs. Watch the whole show on YouTube here: https://youtu.be/EvDEvxCY7b 00:00 - Introduction to Money to the Masses Episode 483 05:27 - The Trump Trade: Market Movements and Predictions 08:30 - Will Trump being president be a positive thing for investment markets? 14:15 - Which asset classes performed best during Trump's last presidency? 18:34 - Performance of Asset Classes During Trump's Presidency 23:50 - Pension Withdrawals and Tax-Free Cash Concerns 25:20 - Can you put tax-free cash withdrawals back into a pension? 26:10 - Pension recycling - Be mindful before adding cash back into a pension 29:04 - Energy Price Cap Update and should you fix? Check out this week's on the MTTM website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - Facebook - Instagram - Twitter - Tik Tok - Support the podcast You can now support the MTTM podcast by visiting our when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: Take out a free trial with 80-20 Investor Ofgem raises energy price cap by £21 per year from January Should I fix my energy prices? What are the cheapest fixed price energy tariffs?
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Ep 482 - Introduction to investing, teaching children about the stock market & mortgage market update
In this episode Damien provides a guide to investing, sharing simple lessons and strategies that anyone can use to build wealth and even become a millionaire. Damien also discusses an exercise that can be used to teach children about the stock market, investing and the wider economy. Finally, Damien explains what is going on in the mortgage market as fixed-rate deals continue to rise despite this month's Bank of England base rate cut. Watch the whole show on YouTube here: MTTM - Episode 482 Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Twitter - https://twitter.com/money2themasses Tik Tok - https://www.tiktok.com/@moneytothemasses Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: What are fractional shares and where best to buy them? Best investing apps in the UK Freetrade review Trading 212 review eToro review
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Ep 481 - How much should be in your pension, merging optimism & pessimism & Winter portfolio update 2024
In this week's episode, I provide an update on my 'Winter investment portfolio', which uses an investment strategy aimed at capitalising on a seasonal market trend. I reveal how the portfolio has continued to outperform major stock market indices despite being in cash for 50% of the year. I then discuss the "Pension Mirror", a marketing tool created by Scottish Widows to help people engage with their pension savings. I highlight the average pension pot sizes for a range of ages and explain why those figures are likely to be inadequate before revealing the actual amount needed for a comfortable retirement. I finish the podcast by revealing a mantra that's been attributed to Bill Gates and how it can be used to improve your own personal finances. Watch the whole show on YouTube here: MTTM - Episode 481 Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Twitter - https://twitter.com/money2themasses Tik Tok - https://www.tiktok.com/@moneytothemasses Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: Winter portfolio 2023 - Podcast epsiode 440 Try out the pension mirror Pensions Calculator from Moneyhelper
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Ep 480 - Autumn 2024 Budget Special
In this week's episode, Damien and Andy provide a summary of the Autumn 2024 Budget, detailing all of the key announcements and how they are likely to impact you. Make sure that you check out our Autumn 2024 Budget summary article for further details. Watch the whole show on YouTube here: MTTM - Episode 480 Check out this week's podcast article on the MTTM website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - https://www.youtube.com/moneytothemasses Facebook - https://www.facebook.com/moneytothemasses Instagram - https://www.instagram.com/moneytothemasses Twitter - https://twitter.com/money2themasses Tik Tok - https://www.tiktok.com/@moneytothemasses Support the podcast You can now support the MTTM podcast by visiting our dedicated podcast page when making any financial decision. You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners. Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us. Support the show by visiting and bookmarking our dedicated podcast page: Money to the Masses Dedicated Podcast Page - Click to support the show Resources: Links referred to in the podcast: Autumn Budget 2024 summary Autumn Budget 2024 - How will it impact my business? Four key Inheritance Tax changes and how they will impact you Pensions to be subject to inheritance tax changes following Autumn Budget Capital gains tax rates raised in the Autumn Budget – how will the increase affect you? Extra stamp duty on second homes increased to 5% Sign up to the Money to the Masses Newsletter
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Join Damien and Andy as they break down personal finance topics including investing, saving, budgeting and more, giving you the tools and knowledge to achieve your financial goals Each week, they cover three topics, cutting through unnecessary financial jargon, providing practical tips and actionable advice to help you make the most of your money. To provide feedback or ideas for future shows, contact: [email protected] or visit https://moneytothemasses.com

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