『Moneytrainers - UK Money, Mindset and Microbusiness』のカバーアート

Moneytrainers - UK Money, Mindset and Microbusiness

Moneytrainers - UK Money, Mindset and Microbusiness

著者： Richard Smith
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I’ve been broke and I’ve built it back, and this podcast shows you how to do the same without hype or nonsense. We talk about how money really works, how mindset shapes every result, and how micro businesses grow from small, smart moves. This is for people who want control, who want their money to work harder, and who are building something of their own. Short episodes, clear ideas, and actions you can use today. Money, mindset, and micro business. This is Money Trainers.Richard Smith - Moneytrainers 1998 - 2026 マネジメント・リーダーシップ リーダーシップ 個人的成功 経済学 自己啓発
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  • Podcast – When Estate Duties and Family Duties Collide

    Podcast – When Estate Duties and Family Duties Collide
    2026/08/24

    In this episode, I look at why estate planning is about much more than writing a will.

    I use a common family scenario. Dad has died and leaves everything to Mum. Their three children are executors, Mum now has dementia and lives in a care home, one child has Power of Attorney, and another still lives in the family home.

    The problem comes when Mum needs more money for care and the house may need to be sold.

    Who comes first? What should the attorney do? What happens to the child living in the property?

    This is exactly why we need to think about these issues before we lose the ability to make decisions.

    Good planning cannot cover every event, but it can give your family clear direction and help avoid serious disputes later.

    Because doing nothing is still a decision.
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    8 分
  • Podcast – Direct Cremation

    Podcast – Direct Cremation
    2026/08/12
    Welcome to a joint podcast I did with Karen Acres. You can find out more about Karen here. Karen Acres Celebrant Skip to content Direct Cremation: Cheap, Simple and Not Quite What You May Think Direct cremation has become a common choice. The adverts make it sound simple. You pay a set fee, the funeral firm collects the person who has died, the cremation takes place, and the ashes come back to the family. There is no funeral service. No large bill. No fuss. You can listen to the podcast below http://www.moneytrainers.co.uk/wp-content/uploads/2026/08/Karen-acres-direct-cremation-podcast.mp3 For some people, this may be the right choice. But before you sign anything, you need to understand what you are buying, what you are giving up, and what other choices may be open to you. Karen works as both an ordained minister and a funeral celebrant. She leads religious and non-religious services and helps families through one of the hardest times of their lives. Our talk started with our friend Jude. Jude Wanted No Fuss Jude knew that she was dying. She had made her wishes clear and had put her paperwork in order. She had thought hard about what she wanted and did not want her friends to face a large funeral bill. Her first choice was a direct cremation. Her plan seemed simple. Her body would be collected, the cremation would take place, and her ashes would come back to the people close to her. Her friends could then get together, have a drink and remember her. She thought this would save everyone trouble. Karen was concerned. Jude had many friends and was loved by a great number of people. Karen asked her whether she had thought about the effect that having no service might have on those left behind. The answer was no. Jude had thought about the cost and the work involved. She had not thought as much about grief, saying goodbye and the needs of her friends. After a long talk, Jude chose a short attended cremation service instead. Six of us attended. The service lasted around 15 minutes. It was simple, warm and personal. It did not cost anything close to the large sums that many people expect a funeral to cost. Jude still avoided a grand funeral. But the people closest to her had the chance to say goodbye. That small change made a huge difference. What Is a Direct Cremation? A direct cremation normally means: The person who has died is collected. There is no attended funeral service. The cremation takes place without family or friends present. The ashes are returned or made ready for collection later. The low price is the main selling point. Many people choose this because they do not want to leave their family with a large bill. Others say that they do not want a fuss. Those are fair reasons. The problem is that the adverts may not explain every part of the service in enough detail. Depending on the firm and package, the family may have little say over the date, time or place of the cremation. They may also have to wait before they receive the ashes. Not all direct cremation firms work in the same way. This is why families must ask clear questions before they agree to anything. You Can Arrange a Direct Cremation Locally One of Karen’s main points was that you do not have to buy a direct cremation from a large firm that advertises on television. A local funeral director may also offer direct cremation. This may give the family more choice and more contact with someone nearby. You may be able to learn: Which crematorium will carry out the cremation. The date of the cremation. The time it will take place. When the ashes will be ready. How the ashes will be returned. Whether a short attended service is possible. Knowing the date and place can matter. Some families want to light a candle, say a prayer or simply sit together at the time of the cremation. Other families feel better knowing where the person is and what is happening. That knowledge can help with the grieving process. Direct Cremation Is Not the Only Low-Cost Choice People often think there are only two choices: A cheap direct cremation with no service. A full funeral costing several thousand pounds. There is a middle choice. A local funeral director may be able to arrange a short attended cremation at a less popular time of day. The service might last 15 or 20 minutes and include only close family and friends. You may choose to: Play one or two pieces of music. Read a short tribute. Say a prayer. Hold a quiet moment. Attend without hiring a minister or celebrant. Hold a separate memorial later. You can still keep the cost under control while giving people a chance to say goodbye. Start With Your Budget Funeral arrangements often start with a list of products and services. The funeral director explains the coffins, cars, flowers, service choices and other extras. The family then chooses from the list. Karen suggests starting the other way round. Say: “This is the money we have. What can you arrange within this budget?” A good funeral director...
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    30 分
  • Put Your Affairs in Order—and Make Life Easier for Those Left Behind – Podcast

    Put Your Affairs in Order—and Make Life Easier for Those Left Behind – Podcast
    2026/07/31
    Thinking about death is uncomfortable. Organising our finances, reviewing our will and documenting important information are jobs many of us would rather leave for another day. But getting these things in order is one of the most considerate things we can do for the people we care about.  The value of being organised I was recently involved in administering the estate of an old friend who had died a few weeks earlier. She had worked with me on my Dying to Know workshops and understood the importance of preparing properly. Her documents were organised, the necessary information was available and everything could be found in one place. As a result, dealing with her estate was remarkably straightforward—perhaps the simplest probate work I have ever undertaken. That experience reinforced an important lesson: good preparation makes an enormous difference. When somebody dies, those left behind may need to identify bank accounts, investments, property, debts, pensions, insurance policies and numerous other details. If that information is scattered, missing or inaccessible, the administrative burden can become overwhelming at a time when family and friends should be allowed to grieve. Rehearse the process One exercise included in my Dying to Know workshops is what I call a rehearsal. It involves imagining that you have died and looking at the situation from the perspective of the person who must deal with your affairs: Could they find your will? Would they know which bank accounts you hold? Could they identify your investments and pensions? Would they understand your property arrangements? Could they locate details of your debts and regular commitments? Would they know whom to contact? Could they access the documents and information they need? The exercise can reveal gaps that might otherwise remain unnoticed until it is too late to address them. This isn’t about being morbid. It is about accepting responsibility for the practical difficulties our death could create for the people we leave behind. Review your will Having a will is important, but simply having one isn’t enough. It also needs to remain accurate and appropriate. I increasingly encounter wills that are badly out of date. They may refer to people who have died, appoint executors who are no longer suitable or rely on circumstances and legislation that have since changed. Find your will and read it again. If it is held by a solicitor, ask for a copy. Check that: Your wishes are still accurately recorded Your chosen beneficiaries remain correct The executors are still willing and suitable Everybody named in the document is correctly identified Changes in your family, finances or property have been considered The document remains legally effective If anything is unclear, obtain current professional advice before making changes. It is also worth thinking carefully before automatically appointing a solicitor as an executor. Professional executors may charge the estate for their work. One alternative is to appoint trusted individuals who can later engage a solicitor if professional assistance is required. The right arrangement will depend on your circumstances, so consider the options and take appropriate advice. Take responsibility for your financial security Putting your affairs in order isn’t only about what happens after your death. It is also about creating greater security while you are alive. Governments change, legislation evolves and financial markets rise and fall. We cannot control those events, but we can take greater control of our own finances. That begins with understanding where you stand, making a plan and ensuring your money is working towards the life you want. Most of us spend a large proportion of our lives working for money. Far fewer of us regularly stop to consider how our money could be working for us. Reviewing your finances won’t remove every uncertainty, but it can leave you better prepared for whatever happens next. Make a start You don’t have to organise everything at once. Begin by locating your will, gathering your financial information and considering what somebody else would need if they had to manage your affairs tomorrow. A little preparation now could spare the people you care about a great deal of unnecessary work and distress later. Listen to the accompanying Money Trainers podcast episode for the full discussion. You can also find more information at Money Trainers
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    7 分
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