Share Sounds presented by Gavin Oldham related to Personal Finance - Family Finance

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Genre: Personal Finance / Topic: Family Finance
Presenter: Gavin Oldham
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Gavin Oldham

Thought for the Week: Monopolies provide no answers

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: Monopolies provide no answers
Abolition of NHS England reverses the de-politicisation of the health service, but it leaves intact all the inefficiencies of being a monopoly: thereby rendering people complacent and satisfied with mediocrity, unless they're moved by the Florence Nightingale mindset. Competition enables progress, efficient delivery and innovation, but most of all it respects individuals as customers, not simply treating them as account numbers. No wonder that the Competition & Markets Authority encourages government to use competition effectively on behalf of consumers. Background music: 'Hopeful Freedom' by Asher Fulero
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Gavin Oldham

Thought for the Week: The real merit of individual ownership is responsibility

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: The real merit of individual ownership is responsibility
Dame Julia Hoggett is Chief Executive of the London Stock Exchange, and featured in a half-page interview in The Sunday Times Business last weekend. She is a strong advocate for encouraging personal share ownership, which demonstrates clearly how a sense of responsibility builds from individual ownership: this is also particularly evident in employee share ownership. The correlation between ownership and responsibility at an individual level throughout society needs to be more fully understood and supported by business and politicians. Background music: 'Waiting' by Andrew Langdon
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Gavin Oldham

Thought for the Week: “I’m 22 years old — where’s my CTF?”

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: “I’m 22 years old — where’s my CTF?”
The oldest recipient of a Child Trust Fund turned 22 on Sunday 1st September, but the great majority of those allocated by HMRC (due to no action by the young person's parents by their 1st birthday) are unclaimed. This is the story of Joe, who really needs his money to get started in adult life — but he doesn't know anything about his good fortune. The Share Foundation has already enabled over 60,000 young people to claim their accounts, but that's a drop in the ocean compared to the huge number of accounts lying dormant with account providers. So The Share Foundation is now asking Government to implement its 'Default Withdrawal at 21' proposal for HMRC-allocated accounts. Background music: 'Missing Persons' by Jeremy Blake
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Gavin Oldham

Thought for the Week: More Focus on Young People, please!

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: More Focus on Young People, please!
On 22nd May, following a Public Accounts Committee hearing in Westminster, our commentary was entitled 'Don’t waste the Child Trust Fund harvest!' It's now over three months since the oldest recipient of these accounts turned 21: with the percentage of unclaimed adult-owned accounts still over 40%, it's time to take action. So please register to join us on Tuesday 5th March at Church House, Westminster, for a major half-day event sponsored by NatWest and The Tracing Group calling for priority action to reach over one million young adults whose accounts, worth over £2 billion in total, are lying dormant because their young adult owners don't know anything about them. Background music: 'Everything Has a Beginning' by Joel Cummins. Register for 5/3/24 at www.sharefound.org/CTFconference
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Gavin Oldham

Thought for the Week: 21st Century Elephant Traps

Gavin Oldham
Original Broadcast:

Thought for the Week

Thought for the Week: 21st Century Elephant Traps
In the old days we either telephoned someone for a quick answer to a question, or sent a letter which focused the attention of the recipient. Now huge volumes of emails fly across the net, and we're left waiting days for an answer. It may be cheap, but is it productive? Also — People think that debit cards are as safe as credit cards or direct debit authorities — until something goes wrong. And, if it's a continuous payment authority given to an overseas supplier, there's very limited protection available, beyond FCA guidance. Background music: 'Communicator' by Reed Mathis
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