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"content" : "Hi Josh. [no-speech] Here we are talking about finance. Oh gosh! Finance something neither of us are particularly good at. It does seem almost #ah"
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"content" : "As are most people out in the world [no-speech] you live your life in debt of one kind or another don't you, whether it's your mortgage or your car or"
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"content" : "just spending way more than [laugh] you earn #um it does seem quite in odds to get yourself into a positive situation with finances. I have been trying for the last forty years."
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"content" : "#ah It's a struggle and sometimes are really ba~ it's a, it's usually a difference between things bad or not quite as bad #ah not a great one for saving and if you look at the statistics #ah"
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"content" : "the majority of people do seem to live paycheck to paycheck these days."
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"content" : "Yes, I do. I mean I think #ah we can get on to investments and stocks, stocks and shares and things in a while, but I think quite often as well when you look back and you think if I was gonna do with"
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"content" : "different career what I wanted to make a serious amount of money and that was my prime aim in life just having a, a real hefty bank account."
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"content" : "#ah No question about it would be trying to moving into some sort of job on Wall Street or in the city of London in the finance world, those people always seem to make a ton of money."
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"content" : "I do. #um but again it depends [no-speech] you know on how dedicated you are, I mean I think for instance if you want to be an accountant in New York #ah for instance I think"
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"content" : "the minimum training is something like five years for that and it's like are you prepared to devote five years of your life to it."
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"content" : "it's a bit like it's always been amazed that to be a dentist take seven years because you always think we only got twenty of teeth or something why does it take for up in seven years to train to do that, but yeah so, #er on the one hand, it's like"
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"content" : "idealizing an occupation, yes I wanna be in finance, but then the next thing is am I gonna be prepared #ah to do all the study that's required for that and then secondly #ah it's a really"
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"content" : "stressful job I would think a lot of the time, do you want that kind of stress in your life."
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"content" : "Yeah, I think if we were all more careful and really spend a lot of time studying how we spend every last pound or [no-speech] #ah whatever, I think at the end of the year yes you could"
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"content" : "save a lot more money and invest more wisely or whatever, but it takes a lot of time and effort. If you look at the major banks #ah one thing"
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"content" : "I think it's a big difference between the UK and here in the States. I mean both have their major banks here in #ah America it would be like Citibank #ah"
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"content" : "HSBC and Chase Bank and yeah, I could go on like that, but one thing over here is there are lots of smaller banks because America is so big"
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"content" : "you have a lot of banks that #ah are really just within states like Virginia or Maine or"
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"content" : "Texas #ah and those banks only sort of operate generally speaking in those particular areas. I think in the UK there is a lot less choice, that doesn't mean you don't still have plenty of banks, but #um"
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"content" : "I'm guessing the #um you know the number of total banks I would think there is probably more than hundred let's say #ah in the UK and that would include some pretty obscure ones."
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"content" : "Yeah, that's very true. #ah If you think about your particular bank, I mean I'm with HSBC #ah I also have a business account that's with #ah Chase here in the States"
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"content" : "#ah but why am I with HSBC. I'm with HSBC because my dad was with HSBC and I think I set up my first bank account or something probably when I was about"
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"content" : "sixteen or may maybe even younger than that and it was a natural thing to do to start it with you know #ah same bank that is used by my family and"
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"content" : "it did have it's advantages at times I know for instance back then, times have changed so much now, but back then if you wanted a business loan or a bank loan #ah"
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"content" : "lending you the money, but it's way more impersonal now isn't it, you can sign up for loans or things online where they really"
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"content" : "don't know much about you, but they can know with a click of a button just get your credit report and say yeah okay, he has had loans in the past and he has always paid them on time or no he hasn't and that's whey we are gonna"
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"content" : "I mean th~ there is a thing that I think has changed a quite dramatic way in more recent years is the idea of the savings account because back in the day #ah you were encouraged to get a bank saving ac~ account"
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"content" : "account would pay you a few percent each year on what you got in the account, but then rates just got lower and lower and lower to such a point it just wasn't"
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"content" : "didn't seem worth having money in the savings account. I think the thing now is which would you rather put money in the bank savings account that might get you three percent a year or"
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"content" : "invest the same money in say Apple shares, because you know you get (()) more than three percent with an Apple share or and if the other big companies for that matter, you know and if you did only make three percent a year"
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"content" : "by shares [no-speech] you've really picked some losers really"
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"content" : "Well you also have to have the for money to buy the shares and because of what is investing in and that makes some really expensive so one share can cost you hundreds of dollars so with that one, you know, you can't"
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"content" : "normally say I don't get to buy a hundred Apple shares because you will be able to afford it because it will be a lot of money."
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"content" : "mhm. What do you think #ah I mean in terms of how banks treat you and all that kind of thing, I have very mixed feelings about banks and how they treat you. I mean I remember that I had"
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"content" : "a number of credit cards when the financial crisis came in two thousand and eight and you know there was the danger that the world economy was gonna crash and"
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"content" : "you know one of the first things that happened was everybody was struggling as a result of that. There was less money around and #ah less jobs around too and then"
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"content" : "almost all the banks customers said oh remember how you used to have an overdraft limit or credit limit of X thousand. Well we now are gonna reduce that by whatever it was three, four, five thousand even more"
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"content" : "and I just felt that you know everybody is struggling here what the banks are doing is they are making you struggle even more after inducing you to take their cards, to begin with, so there was only one company that"
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"content" : "didn't do that for memory #ah for me anyway and that was Bank of America. Whatever my limit was with them they never changed it and I've always remembered that and I've always remind them about that"
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"content" : "whenever I speak to one of their representatives and that is one reason that I still have their card #um I don't use it right now because I'm trying to really limit the use of credit cards because of the interest payments associated"
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"content" : "but so yeah, you can have mixed views of banks. What's your experience?"
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"content" : "I think the other [no-speech] I think the other thing that they do which I'm sure is a tactic, I can't think of any other reason for it, is a tactic to try and get you to miss a payment or whatever is that they don't run"
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"content" : "or maybe I'm wrong, but I don't think they run it like on the thirty-day payment do they, you know, you are [no-speech] it, it always seems to be odd days so it might be the twenty-sixth of"
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"content" : "Yeah, now I don't, I really don't mind mobile banking. I find it actually very convenient especially this ability now to #ah photograph a cheque and #ah deposit a cheque because you know we are (())"
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"content" : "join a queue when you get there, wait for the count to just to deposit a cheque and you know basically waste may be up to an hour doing it as opposed to just photographing it and that's already, it's already there, I think that's great."
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"content" : "#ah It does take some times [no-speech] #ah longer for it to process because you have deposited it digitally but I think it's definitely an advantage and I do like the fact that you can logon on your phone"
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"content" : "without [breath] having a computer or anything and see the status of your account. I think that's all good."
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"content" : "I think the other thing that I like is again so-called disrupt industries #ah forcing banks to change, but here an example of that is #um if I"
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"content" : "and that's another reason as per the HSBC both here in America and back in Wales is just the convenience of having the same bank so that"
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"content" : "if I wanted to send you some money or send some other money to my account in the UK it's more straight forward if it's the same bank and everything. #ah But one way the things are changing is they if I did it"
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"content" : "in a traditional way bank to bank #ah the bank here which asked me a fee to send the money"
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"content" : "and then my same bank back in the UK would charge me a fee for receiving the money and that could be quite substantial, it could be ten dollars or fifteen dollars at each end, [breath] but then along #ah some of the new digital transfer companies now"
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"content" : "they will make that same deposit for me #ah a fraction of what a normal bank would charge and I think that's great. I think the more companies that come in doing stuff like that the better"
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"content" : "Yeah, and the other thing is that do you have like they have things like #ah [breath] Vimeo over here where you can pay people, it's a bit across PayPal too but Vimeo"
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"content" : "almost like an instant payment too so you can get your haircut or go the dentist or go to a restaurant and you can use Vimeo to pay the bill instantly rather than having to wait and send somebody a cheque from your bank or"
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"content" : "Do they have things like that in the UK?"
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"content" : "The other thing that's happening, of course, is a lot of the banks are trying to save money in this digital age by closing down their offices in the High Street."
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"content" : "#ah You have seen that just with HSBC they have their branch in (()) when we were growing up and #ah when you were growing up"
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"content" : "#ah and then they just shut the office and now the nearest one is (()), #ah I know it's just to save money"
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"content" : "What #um do you think then if you walked into your [breath] London branch of HSBC now, #ah would they know you there? Would they recognise you there? and when was the last time you ever did that?"
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"content" : "That's, that's actually one-bit difference with some #ah American banks actually which you still see now almost seems like #ah"
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"content" : "something associated with the past. I could remember whenever we went to a UK bank #ah all these sorts of assistance would be behind bulletproof glass that seems to get introduced. #um"
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"content" : "but you can still go into the banks here where there is no sort of separation between you and the counter. There is just a counter and that's it."
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"content" : "Right, right. so they compete a bit more for the loans, yeah."
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"content" : "Mhm. Now this, no, it doesn't really affect you because #ah I don't think you have ever needed wrong, but home loans and mortgages #ah they have changed quite a bit over the years I think."
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"content" : "What happens certainly after the financial crisis #um prior to that, it was more straightforward to get a mortgage. #ah From my memory what you would do is you would go to one"
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"content" : "one lender for the majority of the money and then another lender for some bizarre and would make up the rest maybe five percent or something and then the, the interest rates on the loan"
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"content" : "tended to be around four to five percent #ah spread over whatever it was twenty-five years or something so it didn't seem super terrible #ah"
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"content" : "I remember though, at one point, I think the economy in the UK was in a really bad way and the, the interest rate shot up to above twelve percent, maybe even as much as fifteen percent which if you are"
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"content" : "paying a mortgage of let's say for argument's sake now fifteen hundred pounds a month [breath] and you also suddenly have to find fifteen percent interest on top of that, that's a huge chunk of money, I'm not (()) how you manage to do it."
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"content" : "But I think that was for a particular period of time and I think since then #ah rates have you know dropped down for more manageable level again, but the whole issue now is #ah"
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"content" : "the question of #ah being able to get a mortgage in the first place. This time the rule is so much and you need a big chunky deposit now which"
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"content" : "can be quite hard to put that money away for a deposit and #ah that's why a lot of people just counted on the housing market and if you live in one of the more expensive"
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"content" : "cities or regions like London or Manchester #ah where property values are high #ah and you have been asked to find at least twenty or thirty thousand pounds to put down"
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"content" : "you have got to be earning a pretty good job to be able to find that kind of money as a deposit."
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"content" : "Yeah. I mean what's, when, I mean by the time I was your age now #ah [no-speech] I think was on to"
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"content" : "you know, it's probably still on the first house I bought and I had a house, and we had two cars #ah but as you say it was a very different era. #ah At what point do you think you will be able to afford a house?"
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"content" : "Yeah, I can't, I can't see any [no-speech] sense and I know lots of people do this. They get themselves a mortgage where it takes up so much of their"
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"content" : "weekly paycheques that they have got hardly anything left to spend on everything else in life. I just can't see why would you want to do that #ah I would rather"
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"content" : "live somewhere rented and so it is costing you less, but freeze up more money so that you can live, you know, a decent lifestyle than just to be"
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"content" : "you know, rich on paper because you owned this property, but poor in reality and what's the fun in that."
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"content" : "I, I (()) I think credit cards are very interesting these days. I mean frankly, I think they are all pretty much a rip-off, but you basically get three types of credit card now. You get"
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"content" : "a credit card that is gonna charge you an annual fee and annual fee could be as much as over here, you know, hundred dollars a year just for the privilege of having it"
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"content" : "#ah so that's one type of credit card. Then you get, the other type of credit card that is offering you to shift your money to them for #ah twelve months or eighteen months interest-free which"
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"content" : "I think is a good deal. If that's all you are planning to do is to keep it there for ten or eighteen months [breath] and then you get the other type of interest card that tries to"
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"content" : "attract you with a good overall rate, maybe it's, and they have you a good rate of eight percent a year as opposed to the norm which might be somewhere between sixteen and twenty percent a year which is a lot #ah"
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"content" : "but you know, [breath] having money on credit cards is never a really a great thing, but one thing that you, you do notice now and #ah [no-speech] the laws in America which came in"
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"content" : "#ah recently they have to tell you now if you only pay the minimum #ah how much it would take you to, how long it would take you to pay it off and it's quite astonishing actually. You could have"
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"content" : "yeah, you don't have to have a, a lot on that card. You might have a couple of thousand dollars lets say in debt on that card, but by paying the so-called minimum it might take you twenty-five years to pay off"
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"content" : "Yeah, and as I said they have only recently being forced to put that on the pieces of paper they send you each month so for years and years, people just had no idea just how much interest they were paying."
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"content" : "Have you ever taken out any, any type of loan where you have to make, make a payment every month to get rid of it?"
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"content" : "Have you ever taken out any kind of loan and you have to pay back?"
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"content" : "(()) avoid it up until your age, usually by your age, people have to take out a loan for some, some kind of thing you know, what about even #um like when you get your"
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"content" : "You so so now you pay so much a month for it to pay off, you know, have you done that or not have to do that?"
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"content" : "What? Yeah I mean I have in terms of finances and loans and mortgages and things, I think"
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"content" : "I had pretty much everything in one form or another, you know, I had three houses so obviously I had three different mortgages relating to them. I have had bank loans to pay off credit cards"
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"content" : "and then I have had numerous credit cards too so I have experienced all the different types of #er financing in that way and in terms of straight sort of investments, I have never really bought any stocks in shares or anything like that"
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"content" : "I did opt-out with my state pension #er at one point I put that in a private campaign that was supposed to have made #er more money than #um"
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"content" : "#er than if I had just left it in the state system so time will tell, we will see what happens with that. #um but what about when it comes to #um a country's economy and"
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"content" : "finance, it does seem so a lot of countries in the world especially America especially the UK #er but also many other countries #ah"
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"content" : "basically run a huge loss and have racked up huge deficits. #um in the real world they should already be declared bus~"
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"content" : "(()) business but because their governments in countries are allowed to just, just carry on then you have things like this so-called quantitative easings that they introduced which"
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"content" : "in layman's terms was allowing the American government and the British government to just print more notes and put them into circulation just"
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"content" : "based on nothing really [laugh] they were just allowed to print more money literally"
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"content" : "Credit default swap."
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"content" : "They were called credit default swaps."
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"content" : "which were designed, which were designed to be super complicated so that nobody nearly understood them"
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"content" : "Isn't scary that, isn't scary the, the #um when all that happens people were saying the whole world economy was in imminent"
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"content" : "danger of collapsing and that you can't even imagine what would have happened if suddenly all the cash machines didn't work anymore and all the banks wouldn't give you money anymore and you couldn't get paychecks anymore, I mean"
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"content" : "What on earth would have happened?"
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"content" : "a lot of the banks are extremely reckless in what they are doing. They were gambling, they were like casinos, they were gambling with people's money into the billions. They were as far as mortgages were concerned, they were taking on"
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"content" : "we actually just gonna take money from the people to bail you out with no major consequences really. No significant punishment for that #er bad behaviour and then although they put"
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"content" : "various systems in place now I don't think everybody is convinced that it couldn't happen again tomorrow."
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"content" : "Yeah, I don't really know I mean I have mixed feelings about the pension anyway because the problem is the government keeps tinkering with it as they go so they wake up one morning as they did not too long ago and say you know what"
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"content" : "now who is to say that you don't wake up one morning and go well actually we think everybody is getting healthier so let's make it sixty-nine now #um so that worries me a lot and then secondly, #ah"
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"content" : "[breath] you know what's your pension really gonna be worth in ten-fifteen years who knows they say they're gonna pay you hundred pounds a week right now, you can kind of imagine which a hundred pound a week right now is like but what is a hundred pound"
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"content" : "like in the twenty-thirty, we've really no way of knowing. I mean my assessment is I'm never gonna be rich enough just to be able to live on a pension anyway as is the case with most other people"
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"content" : "you know, my dad being another case in point #um and so, you know, I'm always gonna have to work in some way or earn in some way to suffice for sure"
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"content" : "Yeah, I'm sure it will be. it must be #ah then you think of those countries around the world that are cash positive like the (()) think some of the middle eastern countries with oil and gas"
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"content" : "and then there are other countries too #um that simply don't have debt they just have #ah millions and millions and billions"
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"content" : "#ah in asset so what it must be like living in a country that does not have debt, yeah, or in some cases didn't have any taxes because they are so rich, they don't need to tax people so"
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"content" : "but at least, at least you are one making that decision so now you spend that money rather than just handing it over."
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"content" : "What about in terms of the question #um how I manage my finances, yes that's a tricky question because manage your finances really suggest that"
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"content" : "it's a bit of an art which it probably is but I don't think I'm an artist in that regard I mean what I just try and do basically is pay down any debt make sure I have enough money to"
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"content" : "always have enough for food, and bills and the rent and so forth, that's really my financial management. I don't spend too much time thinking about it. I'm sure your's is probably something similar"
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"content" : "Yeah that's true. #um and so but (()) would you say how do I manage my finances I think as you say you manage it in such and such a way but at the end of the year"
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"content" : "mhm. So we are getting towards the end now but now in terms of banks and credit card companies and all the rest of it, as the years move on now, new technology continues to"
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"content" : "come on what kind of changes and an improvement you think they could makeup, I tell one way they could improve this idea that #um you know someone could steal your credit card"
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"content" : "and go use your credit card I think they could fix that very easily if they wanted to. They could do it, for instance where #er a fingerprint reader would be needed"
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"content" : "#ah every time you use that card in the same way that they slip it into the machine now I'm sure they could say stick your thumb here next to it and that could read and instantly it would reveal that this was the correct person using the card"
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"content" : "mhm but then again, do you ever think of even far simpler than that #ah having your picture on your credit card, I mean it's so simple and if they really wanted to do it. I'm, I'm sure actually if"
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"content" : "that is a, yeah I mean there could be a way for instance that you follow that through so supposing #ah and it doesn't have to be super sophisticated but obviously your photo becomes laminated as part of the card"
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"content" : "#um so when you present it for payment the person can clearly see that it looks like you on the picture but if you take that to the other extreme and say okay somebody is gonna fake that card so they're gonna get all your information"
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