Martin Bamford’s Money Moment

Informed Choice independent financial planners is a specialist investment company in Petersfield, which can help you make decisions about money.

Every week, Martin Bamford compiles a selection of money stories that will help you keep in touch with our changing world as you consider how best to spend and invest.

This week

The UK falls into recession with the future uncertain, a review of the funeral market is delayed, the Royal Society calls for changes to the Coronavirus jobs retention scheme, HMRC shares details on loan charges and house prices look set to fall.

All with Martin Bamford and presented with Informed Choice, independent financial planners of Petersfield.

Martin Bamford

Be informed and plan for your future with the Money Moment from Petersfield Community Radio. Sponsored by Informed Choice.

Shine Radio fast facts

What is Petersfield’s new radio station?

It’s Petersfield’s Shine Radio.

Who makes it shine?

You make it shine. The volunteer team at Petersfield Community Radio is drawn from across the local community. It’s the same people who bring you the P pod and the Morning Report of essential local information.

We also partner with four local schools, the Petersfield Post and Petersfield Museum.

What will I hear on Petersfield’s Shine Radio?

A brighter mix of great music and local information. Only Shine Radio will broadcast the voices and stories of Petersfield people, amplify the creativity in our town and help to connect the community with trusted local information 24 hours a day.

We’ll also broadcast unique local shows that celebrate the best in Petersfield. For example, the P pod is established as a regular home of local personalities and human stories with Claire Vennis and Joff Lacey, The Brighter Minds Quiz will test your knowledge and light up your Saturday and Sunday nights with quizmaster Ian Crossman and Talking Books will see local author Suzie Wilde share her passion for literature.

Will Petersfield’s Shine Radio broadcast local news?

Yes, building on our work on the P pod and the Morning Report, we aim to be a trusted source of local news and information. We will continue to exchange stories with the Petersfield Post too.

What area does the service cover?

You can listen anywhere but our editorial focus is entirely on the interests of people in the local area. We call this area ‘the Petersphere’ and you can see a map of it here.

What music will I hear on Petersfield’s Shine Radio?

We’ll play a brighter mix of familiar music for the whole family.

Stevie Wonder, Taylor Swift, Michael Jackson and Harry Styles – they’re not all regulars in The Good Intent but you’ll hear songs that shine forever and the brightest tunes of today.

We’ll also showcase local unsigned musicians from around the Petersphere and we’re open to you if you want to share your musical talent.

How can I listen to Petersfield’s Shine Radio?

On any connected device. If you have a phone, tablet or computer you’ll find us at https://petersfieldradio.uk

On an Amazon Echo smart speaker use the Shine Radio Alexa Skill to “Play Shine Radio”

Is Shine Radio only online?

Yes – in the same way as Amazon, Facebook, Netflix and Google are “only online”. It doesn’t appear to have done them any harm.

Will Petersfield’s Shine Radio be available on my DAB or FM radio?

Not yet but you can support our campaign for a broadcast outlet. If you make a donation you’ll help us be ready when the regulator Ofcom licenses local broadcasts for this area.

Why Shine Radio?

Our volunteer team chose our name as a bright and radiant focus of everything we do.

We have a sunny outlook, our project attracts the brightest ideas and our reporting shines a light on local life as we share the voices and stories of Petersfield people.

With its strengths in community theatre, music and schools performance, Petersfield is a town that’s never shy of the spotlight and now our very own radio station is a new place for local talent to shine.

Will it be any good?

Most radio listeners are quite happy with their existing choice of radio station.

We know Petersfield’s Shine Radio will have to offer something not available elsewhere to attract you, and we’ll have to sound bright and attractive to keep you tuned in.

We’ve drawn on media expertise from within our volunteer team and invested in advanced broadcasting technology to ensure we have every chance of making it great.

Above all, the more you contribute the better it will be. Get involved because it’s community radio and you make it shine.

Who are the presenters?

Our presenters represent the people of Petersfield. Young voices like Meg Allin, Harrison RB and Sacha Fairweather will appear alongside programmes hosted by more longstanding and accomplished members of the community such as Alan Cosh and Dave Williams.

Familiar voices from the Morning Report including Laura Sheppard, Dave Bowers and Noni Needs will also present shows.

Petersfield school teacher Ian Crossman will present The Brighter Minds Quiz every Saturday and Sunday evenings and local author Suzie Wilde will present Talking Books with Tim O’Kelly of One Tree Books.

Every week James Robbins and Dave Bowers will take a look at the world of sport from Petersfield in Sports Chat.

Will the podcasts you make continue?

Yes. Our speech programmes will continue to be available on demand via this website and via all the popular podcast apps including Apple Podcasts, Google Podcasts, Spotify and Pocketcasts. Just search Petersfield on your favourite podcast app.

Can I join your team?

Yes. We welcome volunteers from all walks of local life. Sign-up at https://petersfieldradio.uk

May I advertise my business on Petersfield’s Shine Radio?

Thanks for asking. Yes you may. We’re big supporters of local business and welcome advertising and sponsorship from any organisation that needs to increase awareness and sales in the local area.

Our sponsorship packages start from just £50 per month. Email team@petersfieldradio.uk or call 01730 555 500 and we’ll find a great way to help you grow.

How do I promote an event on Shine Radio?

It’s free for any non-profit organisation. Our events guide is heard on the radio station, in our weekly podcast the P pod and is also online.

If you run lots of events we can even arrange a login to our events database so you can enter the information exactly as you want it.

Martin Bamford’s Money Moment

Informed Choice independent financial planners is a specialist investment company in Petersfield, which can help you make decisions about money.

Every week, Martin Bamford compiles a selection of money stories that will help you keep in touch with our changing world as you consider how best to spend and invest.

This week

Redundancies and unemployment on the up; but there’s a house-buying boom; energy bills to drop; interest rates on hold; and psychological nudge borrowing … whatever that is.

All with Martin Bamford and presented with Informed Choice, independent financial planners of Petersfield.

Martin Bamford

Be informed and plan for your future with the Money Moment from Petersfield Community Radio. Sponsored by Informed Choice.

Please sir, I have a question

Nina Vennis puts the questions to her head teacher, Mark Marande

Young reporter Nina Vennis, 13, bravely talks to her head teacher, Mark Marande, to find out how The Petersfield School has coped with lockdown and its plans for the new academic year.

What Fifi did next

Earlier this year, before coronavirus had even registered on our radar, we recorded an episode of the P pod at Gallery No 30 on the High Street. 

Petersfield Community Radio reporter John Welsman paid a return visit recently to find out, from owner Fifi Crowley, how lockdown has affected the business and what her plans are for re-opening. 

In happier times: Fifi Crowley, centre, hosted Claire and Joff for a P pod earlier this year

This is the full-length feature interview from which a clip was taken for last week’s P pod.

Leigh’s having a whale of a time

Our youngest reporter, 13-year-old Nina Vennis, met Petersfield whale biologist Leigh Hickmott, who recalls a close encounter with a blue whale among other creatures.

Whale biologist Leigh Hickmott (... he's the one in the foreground)
Whale biologist Leigh Hickmott (… he’s the one in the foreground)

Leigh studied zoology and marine biology at Aberdeen and St Andrew’s universities, beginning his career in 1998 studying bottle-nose dolphins in the Murray Firth, Scotland.

His research focuses on foraging ecology (studying how feeding behaviour is influenced by the environment) and the effects of man-made noise on marine mammals. His work takes him to all four corners of the planet and from pole to pole; collaborating on conservation-based projects studying beaked whales, blue whales and the world’s apex predator: the killer whale.  

Beware of Covid-19 online scams

There are myriad online scams currently being operated

A message of caution from James Adnitt, Hampshire Constabulary’s cyber protect officer, who warns of the many online scams being conducted under the banner of “COVID-19”, “Coronavirus”, “Working from Home”, “Self Isolation” and “Financial Support/Hardship”.

Extra care needs to be taken as we are more accepting of going to unfamiliar websites and receiving emails from unusual sources while dealing with current events.

Fraud types and advice – Individuals

Online Shopping and Auction Fraud

Seek advice: If you’re purchasing goods and services from a company or person you don’t know and trust, carry out some research first, and ask friends or family for advice before completing a purchase.

Scam messages: Be wary of unsolicited emails and texts offering questionably good deals, and never respond to messages that ask for your personal or financial details.

Payment method: Avoid paying for good and services by bank transfer as that offers you little protection if you become a victim of fraud. Instead, use a credit card or payment services such as PayPal.

If you have made a payment: Inform your bank as soon as possible; they can help you prevent any further losses. Monitor your bank statements regularly for any unusual activity.

Computer Software Service Fraud

Installing software: Never install any software, or grant remote access to your computer, as a result of a cold call.

Financial details: Genuine organisations would never contact you out of the blue to ask for financial details such as your PIN or full banking password.

Tech support: If you need tech support, ask your friends or family for recommendations and look for reviews online first. Don’t contact companies promoting tech support services via browser pop-ups.

If you have made a payment: Inform your bank as soon as possible, as they can help you prevent any further losses. Monitor your bank statements regularly for any unusual activity.

If you granted remote access to your computer: Seek technical support to remove any unwanted software from your computer. Ask your friends or family for recommendations and look for reviews online first. Don’t contact companies promoting tech support services via browser pop-ups.

Lender Loan Fraud

Seek advice first: Speak with a trusted friend or family member first if you’re using a loan company with which you’re unfamiliar, or if the lender requires an up-front fee.

Scam messages: Don’t click on the links or attachments in suspicious emails, and never respond to messages that ask for your personal or financial details.

FCA register: Use the Financial Conduct Authority’s (FCA) register to check if the company is regulated by the FCA. If you deal with a firm (or individual) that isn’t regulated, you may not be covered by the Financial Ombudsman Service (FOS) if things go wrong and you lose your money.

If you have made a payment: Inform your bank as soon as possible, as they can help you prevent any further losses. Monitor your bank statements regularly for any unusual activity.

Pension Liberation fraud

Investment opportunities: Don’t be rushed into making an investment. Remember, legitimate organisations will never pressure you into making a transaction on the spot.

Seek advice first: Before making significant financial decisions, speak with trusted friends or family members, or seek professional independent advice. The Pension Advisory Service (PAS) also provides free independent and impartial information and guidance.

FCA register: Use the FCA register to check if the company is regulated by the FCA. If you deal with a firm (or individual) that isn’t regulated, you may not be covered by the FOS if things go wrong and you lose your money.

Tax charges: Ensure sure you are aware of any tax charges (up to 70 per cent), plus other fees, that will be deducted from the amount you withdraw before making any decisions.

Investment Fraud

Investment opportunities: Don’t be rushed into making an investment. Remember, legitimate organisations will never pressure you into making a transaction on the spot.

Seek advice first: Speak with a trusted friend or family members, and seek independent professional advice before making significant financial decisions.

FCA register: Use the FCA register to check if the company is regulated by the FCA. If you deal with a firm (or individual) that isn’t regulated, you may not be covered by the FOS if things go wrong and you lose your money.

Advice for businesses

Mandate Fraud

Verify: If you receive a request to move money into a new bank account, contact the supplier directly using established contact details, to verify and corroborate the payment request.

Internal processes: Establish robust internal processes for handling changes to payment details. For example, only designated employees should be able to make changes to payment arrangements.

Sensitive information: Invoices, payment mandates, and other documents containing sensitive financial information should be stored securely and only be accessible to those staff that need them to perform their duties. Sensitive documents should be shredded before disposal.

If you have made a payment: Inform your bank as soon as possible, as they can help you prevent any further losses. Monitor your bank statements regularly for any unusual activity.