Cash Chats UK Money & Personal Finance podcast
441 episodes - English - Latest episode: 5 days ago - ★★★★★ - 1 ratingCash Chats is one of the top money and personal finance podcasts in the UK.
Hosted by award-winning broadcaster Andy Webb, founder of BeCleverWithYourCash.com and YouTube's Andy Clever Cash channel, the show will help you save, make and manage money here.
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Episodes
#152 Are Premium Bonds worth it?
December 02, 2020 11:44 - 31 minutes - 17 MBA staggering 21 million people currently hold at least one Premium Bond, with the total fund approaching £100 billion! But with a recent cut to the prize rate, and therefore a smaller chance of winning, are they worth it? Or can they actually beat easy-access saving rates elsewhere? To discuss all this I'm joined by my friend Helen Saxon, who also happens to be the Banking Editor for Money Saving Expert. * Please do leave a review and rating if this saves you money. * LINKS Money Savi...
BONUS: December's best bank accounts
November 29, 2020 14:50 - 13 minutes - 8.16 MBHere's my monthly update on the best current accounts in the UK. In this December 2020 edition, I talk about a new switching offer from Virgin Money that'll give you free wine and a referral scheme from Metro bank. I also recommend alternatives to the TSB Classic Plus account, especially for savings, and my picks of the best accounts for overdrafts, rewards, cashback, ethic and budgeting. * Please do leave a review and rating if this saves you money. * FURTHER READING My updated a...
#151 The best ways to pay
November 25, 2020 20:00 - 37 minutes - 23 MBDo you always use cards, or do you prefer cash? Are you likely to use services like Klarna or PayPal? What about gift cards and smartphones? I've taken a look at the pros and cons of the different ways you can pay to help you choose the best option. * Please do leave a review and rating if this saves you money. * ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Goo...
#150 How to get the best price when shopping online
November 18, 2020 07:57 - 28 minutes - 17.6 MBWith lockdown measures forcing non-essential shops to close through England and some other parts of the UK, we're going to be doing most of our shopping online over the next few weeks - and that means Black Friday and most Christmas shopping. In this episode I share how you can make sure you get the best price when shopping online. Plus a competition to celebrate 200,000 downloads of the show! * Please do leave a review and rating if this saves you money. * LINKS Sign up for new c...
BONUS November 2020's savings accounts news
November 15, 2020 12:45 - 16 minutes - 8.5 MBHere's my monthly update on the changes in UK savings in November 2020 and the accounts with the highest interest right now. Including what happens when TSB and NS&I cut their rates in the next few weeks, why the best paying regular savers could be on their way out and news of a new account paying 1.25% from Chip. * Please do leave a review and rating if this saves you money. * FURTHER READING My updated article with the best savings accounts https://becleverwithyourcash.com/cash-...
#149 Fighting food poverty and helping foodbanks
November 11, 2020 10:48 - 36 minutes - 19.8 MBIt's expected that record numbers of households are currently unable to afford basic essentials like food. A 61% increase is expected in demand for a food parcel this winter - and those figures were from before the new lockdowns. So what can you do? We're not all Marcus Rashford but we can all do our bit. In this episode I talk to fellow money bloggers Faith Archer and Nicola Richardson about ways to support your local foodbank, including getting involved in the UK Money Bloggers' #Foo...
BONUS Best credit cards (November 2020)
November 08, 2020 13:57 - 13 minutes - 6.6 MBHere's your quick monthly roundup of the best credit card promotions and savings including 0% balance transfers, 0% purchases, 0% money transfers, cashback, travel and credit building. Plus news of an increased bonus from Amex for new customers of its Gold credit card and a change for anyone with a Nationwide Classic or Gold credit card. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING My bes...
Cash Chats #148 Lockdown 2 and your money
November 04, 2020 08:31 - 21 minutes - 13.6 MBAs England goes back into a stricter lockdown for at least a month a raft of emergency financial measures such as furlough and payment holidays have been extended. Here's what you need to know about the schemes and who is eligible. Plus my thoughts about your spending in this period, especially in the run up to Christmas. * Please do leave a review and rating if this saves you money. * ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 th...
#148 Lockdown 2 and your money
November 04, 2020 08:31 - 21 minutes - 13.6 MBAs England goes back into a stricter lockdown for at least a month a raft of emergency financial measures such as furlough and payment holidays have been extended. Here's what you need to know about the schemes and who is eligible. Plus my thoughts about your spending in this period, especially in the run up to Christmas. * Please do leave a review and rating if this saves you money. * ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 th...
BONUS November's best bank accounts
November 01, 2020 16:24 - 17 minutes - 8.56 MBHere's my monthly update on the best current accounts in the UK. First up I talk about news HSBC could start charging fees for all its bank accounts, as well as details of two new £100+ bank switching offers. Plus as usual, I'll take you through the best offers and rewards if you're thinking of changing bank. * Please do leave a review and rating if this saves you money. * FURTHER READING My updated article with the best bank accounts https://becleverwithyourcash.com/the-best-bank-s...
#147 What happens when the payment holidays end?
October 28, 2020 09:59 - 48 minutes - 21.7 MBMore than 4 million mortgage, credit card and loan payments have been deferred since the pandemic began, and though most have started repaying what they owe, there are still hundreds of thousands of people who could find things even harder after 31st October. In this episode, I'm joined by Sara Williams from the Debt Camel blog to talk through what you need to be doing if you've had a payment holiday, and what to do when your's ends. * Please do leave a review and rating if this saves yo...
#146 Should we pay for fintech?
October 21, 2020 10:44 - 32 minutes - 19.9 MBWith another new account from Monzo (this one at £15 a month) and Chip introducing a £1.50 monthly fee, is this a sign that we'll have to pay for fintech apps that help us manage our money and save. I've taken a look at Monzo Premium, Monzo Plus, Chip and Curve, and asked whether you need to pay for them. * Please do leave a review and rating if this saves you money. * FURTHER READING Monzo Premium review https://becleverwithyourcash.com/monzo-premium-review/ Monzo Plus review ...
BONUS October's Savings update
October 18, 2020 09:48 - 17 minutes - 9.01 MBHere's my monthly update on the changes in UK savings in October 2020 and the accounts with the highest interest right now. Plus, I look at whether negative interest rates could be on the way and what that could mean for your savings. * Please do leave a review and rating if this saves you money. * FURTHER READING My updated article with the best savings accounts https://becleverwithyourcash.com/cash-savings-beat-inflation/ ABOUT CASH CHATS Cash Chats is presented by money blo...
#145 Slashing your energy bills (Money Makeover series)
October 14, 2020 12:22 - 28 minutes - 17.9 MBWith everyone being at home more in 2020 and probably 2021 we're using a lot more energy - and our bills will increase as a result. So it's vital to make sure we're taking the easy steps to bring down the cost of electricity, gas and water. In this episode I'll take you through why not all comparison sites are equal, whether you should bother with auto-switching sites and when a water meter can and can't save money. Don't forget to join the Cash Chats community on Facebook. * Please do ...
BONUS Best credit cards (October 2020)
October 11, 2020 08:11 - 14 minutes - 7.3 MBHere's your quick roundup of the best credit card promotions and savings including 0% balance transfers, 0% purchases, 0% money transfers, cashback, travel and credit building. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING My best credit card offers and promotions article on the blog https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ ABOUT CASH CHATS Ca...
#144 Are you really making a saving?
October 07, 2020 10:21 - 37 minutes - 18.8 MBThis week I'm joined by Timi Merriman-Johnson (aka Mr Money Jar) to talk about the special offers that make us think we're saving money but are really making us worse off. Plus how to make sure you're getting a decent price ahead of Amazon's Prime Day and the Black Friday sales. * Please do leave a review and rating if this saves you money. * FURTHER READING > Timi on Instagram https://www.instagram.com/mrmoneyjar/ > How to compare prices and price history https://becleverwit...
BONUS The best bank accounts (October 2020 Update)
October 04, 2020 08:43 - 13 minutes - 6.46 MBHere's your October update on the best current accounts for you and your money. Changes this month impact anyone with a TSB Classic Plus, Club Lloyds, Bos Vantage or Santander 123 account. Plus a look at a new account from TSB which offers the chance to get £80 in cashback. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING ARTICLE: All the latest offers, as referenced in this article https...
#143 The rules of the side hustle
September 30, 2020 13:51 - 38 minutes - 19.1 MBTime for another Side Hustle Spotlight episode, and this time I'm joined by blogger Laura Dempster to share our five rules you need to follow when setting up your own side hustle. We also look at the ingenious "print-on-demand" mini businesses where you can set up with no real overheads and sell your own t-shirts, cards and more. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING Print on Demand...
#142 The hidden harm of your bank and pension
September 23, 2020 12:30 - 27 minutes - 17.1 MBIf you're someone who's concerned about the climate crisis, injustice in society and other ethical issues, you probably do something to mitigate it. You probably recycle and give to charities. You might boycott brands or buy organic. All good positive actions. But you might be surprised to learn that who you bank with or where your pension is invested can do more damage to the climate, society and peace than pretty much anything else you do. in this episode I look why you might want to m...
BONUS Best savings accounts (September 2020 update)
September 20, 2020 13:35 - 9 minutes - 4.92 MBHow to get the highest paying interest rates on your savings in easy access and regular saver accounts in September 2020. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING BLOG: My roundup of the different accounts https://becleverwithyourcash.com/cash-savings-beat-inflation/ ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has bee...
#141 Paying yourself first w/ guest Pete Matthew
September 16, 2020 10:27 - 36 minutes - 18.4 MBThis week I'm joined by Pete Matthew, a financial advisor and the host of the UK finance podcast Meaningful Money. We talk about the concept of paying yourself first, as well as when you should - and when you shouldn't - get financial advice. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING Meaningful Money https://meaningfulmoney.tv/ Pete's episode on finding a financial advisor https...
BONUS Best credit cards (September 2020)
September 13, 2020 10:57 - 9 minutes - 5.09 MBHere's your quick roundup of the best credit card promotions and savings including 0% balance transfers, 0% purchases, 0% money transfers, cashback, travel and credit building. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING My best credit card offers and promotions article on the blog https://becleverwithyourcash.com/the-best-bank-switching-cashback-interest-offers/ ABOUT CASH CHATS Ca...
#140 Money Makeover: Mobile phones & bills
September 09, 2020 10:11 - 22 minutes - 14.3 MBEvery month I'm going to take a look at a key expense and show you how to reduce how much you spend. This week, ahead of the new Apple iPhone launch next week, I'm sharing the ways to cut the cost of new mobile phone handsets and your monthly bill. Plus, the usual deals of the week. * Please do leave a review and rating if this saves you money. * Don't forget to join the Cash Chats community on Facebook. FURTHER READING My guide to getting the best price on your mobile phone bil...
BONUS Best bank accounts (September 2020)
September 06, 2020 05:00 - 16 minutes - 8.16 MBGet a free £100 for switching to one of two banks. I'm trying out a new bonus episode of the podcast where I'll take you through the best accounts for banking, savings and credit cards. This first one focuses on Current Accounts. Let me know what you think and if you like this extra content. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING The best bank switching, interest, cashback and ove...
#139 The real cost of fast fashion
September 03, 2020 03:00 - 29 minutes - 14.8 MBThis month marks both London Fashion Week and Oxfam's #SecondHandSeptember campaign so it feels like a good time to talk about why fast fashion clothing is so cheap. Joining me is Clare Carlile from Ethical Consumer magazine, and we talk about the impact low prices has on working conditions and the environment. * Please do leave a review and rating if this episode helps your finances* Don't forget to join the Cash Chats community of Facebook https://www.facebook.com/groups/2661970707423...
#138 Consumer pet hates with guest Matt Allwright
August 26, 2020 09:14 - 37 minutes - 18.2 MBThis week TV's Matt Allwright (Watchdog, Rogue Trader, The One Show) joins me to talk about his new book - The Consumer Survival Guide - as well as discuss our consumer pet hates. We talk about ticket touts, auto-renewals, retention centres, smart speakers and more. Plus a couple of hot deals to save you money. * Please do leave a review and rating if this saves you money. * FURTHER READING > Buy Matt's book (Hive Books) https://www.hive.co.uk/Product/Matt-Allwright/Watchdog-The...
#137 Fiverr (Side Hustle Spotlight)
August 19, 2020 11:35 - 38 minutes - 18.8 MBEvery month I'm going to look in detail at a side hustle to earn you some extra cash on top of your 9-5 or to help make up for any lost earnings. This week I'm joined by money blogger Jordon Cox to look at freelance marketplace Fiverr. Jordon has been using it to get work as a voiceover artist and is able to tell us how it works and the ways to help boost the "gigs" you get. But as with all these ways to earn more money there are cons as well as pros which we'll go into as well. * Plea...
#136 UK officially in recession: What it means
August 12, 2020 11:58 - 19 minutes - 11.4 MBSo the latest figures show that the UK economy is officially in recession, with a whopping 20.4% contraction in the last quarter. In this week's episode I explain what that means and what impact that's likely to have on all of us. Plus the things we can do with our money to help weather the storm. * Please do leave a review and rating if this saves you money. * FURTHER READING The latest ONS figures and charts on the UK economy entering recession My Money Makeover series on YouTu...
#135 Going Self-employed
August 05, 2020 09:09 - 38 minutes - 19.8 MBWith more people facing redundancy or starting their own side-hustles it's important to know just what going self-employed entails. I've been joined by David Thomas to discuss when to do it, when you're likely to make money, how to manage your finances and more. Don't forget to join the Cash Chats community on Facebook for more from this conversation. * Please do leave a review and rating if this saves you money. * FURTHER READING David Thomas Media - resources, courses and more ...
#134 What to expect from redundancy
July 29, 2020 09:06 - 45 minutes - 21.9 MBWith more job losses announced every day, and many more likely to happen as furlough begins to tail off, there's talk of 10% unemployment this year. That means there's a strong possibility we're all going affected personally. So it's really important we understand how redundancy works. To help, I've been joined in this episode by employment lawyer Jodie Hill. We talk about what your entitlements are for notice and pay, how people are selected for redundancy, whether furlough will effect h...
#133 Do you really need income protection?
July 22, 2020 10:59 - 43 minutes - 20.7 MBIf you were too ill to work or died suddenly, how would your family pay the bills? This week I'm joined by my friend Kara Gammell, a personal finance journalist and money blogger. She's passionate about spreading the word on protection insurance - from critical illness cover through to life assurance, so I thought she'd be the perfect person to help give some insight into why many of you should probably get it. Don't forget to join the Cash Chats community on Facebook. * Please do leav...
#132 Your money personality
July 15, 2020 10:33 - 38 minutes - 19.7 MBI've been joined this week by friend and money coach Catherine Morgan to talk about money personalities. * Please do leave a review and rating if this saves you money. * FURTHER READING > Catherine's Money Personality Quiz > Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has been featured as one of the top finance podcasts by Apple, Good Housekeeping and the Independent. In 2019 it was awarded Best Mo...
#131 The Summer Statement - Stamp Duty, VAT cuts, Job Retention bonus and more
July 08, 2020 13:45 - 22 minutes - 14.1 MBFind out how the government's latest financial plans will impact you - including measures to get us spending money in leisure and hospitality businesses, a big saving for people moving home and news of funding to create new jobs for young people. Don't forget to join the Cash Chats community on Facebook. * Please do leave a review and rating if this saves you money. * FURTHER READING BLOG: My summary of the Summer Statement Deals of the week £3 to spend at Costa The new Spotif...
#130 Are freebies really free?
July 01, 2020 11:49 - 30 minutes - 19.1 MBI've very mixed feelings about freebies or heavily discounted trials. On one hand, I love them - who wouldn’t, you get something for free. One the other hand I’m not sure they’re always a good thing. For a start there’s guilt. Guilt that I’m creating unnecessary waste, guilt that I’m taking advantage of someone And on top of that, there’s also the danger that something that’s free will be costing you down the line. And there are also the freebies which just aren’t worth the time and effo...
#129 Using your money to make a difference
June 24, 2020 08:39 - 37 minutes - 22.8 MBFrom the climate crisis to Black Lives Matter to struggling high streets, it's all very well liking a post on social media to show your support for a cause, but is that enough? It's time to put your money where it can hopefully make a difference to your community, society and the planet. Here's how to work out how your donations, spending and banking can align with what you want to change. * Please do leave a review and rating if this saves you money. * Don't forget to join the Cash ...
#128 Back to the high street & your consumer rights
June 17, 2020 10:09 - 31 minutes - 19.1 MBThis week lockdown begins to ease further with the non-essential shops reopening across the UK. I've taken a look at how things are working and whether you should be taking a trip to the high street or not. I've also shared your consumer rights for purchases made before, during and after the shops were closed. Plus news of an offer to help you support small local shops and save yourself cash at the same time. Full transcript at BeCleverWithYourCash.com/cashchats128 * Please do leave ...
#127 What to do with your spare cash (Lockdown Money Live part 2)
June 10, 2020 07:00 - 54 minutes - 26.1 MBDuring lockdown, those that are still working are likely spending a lot less than normal. There's no commuting, no holidays, no nights out, no childcare costs. So what do you do with this extra cash you wouldn't normally have? In the second of highlights from my recent Lockdown Money Live event, I'm joined by Damian Fahy from Money to the Masses and Sara Williams from Debt Camel to discuss the best options. Find out whether you should be focusing on savings, debts, investments, mortgages...
#126 What's next for your job and Covid-19 (Lockdown Money Live part 1)
June 03, 2020 10:50 - 36 minutes - 19 MBLast week I hosted a free online event called Lockdown Money Live, and here's the first of the highlights. There were four sessions and this week on the podcast you'll get to hear my interview with money blogger Faith Archer about the schemes available to you if you can't work. We discuss what happens next to the furlough scheme and support for the self-employed, as well as share what you should be doing if you're worried about redundancy. Don't forget to join the Cash Chats community ...
#125 Credit reports and credit scores
May 27, 2020 09:05 - 32 minutes - 20.4 MBThis week I'm looking at a vital part of your finances - the information that banks, lenders and other companies use to work out whether they want to give you a product or money. Known as a credit report, it holds details of all your accounts, payment history and more. And linked to this is your credit score. They're different things but both very important. Here's how they work, when they're used and how you can access them for free. Don't forget to join the Cash Chats community on Fa...
#124 Automating your finances
May 20, 2020 09:39 - 30 minutes - 18.8 MBIf you want to take some of the effort out of managing your money then it's worth thinking about the ways you can automate your finances. Tricks include moving money between multiple accounts, making sure you don't forget payments, boosting your savings pot, switching energy and earning cash when you spend. Please do leave a review and rating. Here’s how to do it on Apple Podcasts and iTunes. Further Reading & Listening How to automate your savings How automatic energy switching ...
#123 Beating the shame of debt w/ guest @myfrugalyear
May 13, 2020 07:59 - 42 minutes - 22.4 MBI talk a lot about how to avoid debt in the first place, from getting the best price and value through to better managing your money. But sometimes that’s not enough. A big factor is getting over the shame you might feel about your situation and the decisions you've made. So how do you do this? Well it can really help to know you aren't in this alone. That other people are going through the same things, feeling the same emotions. The more accounts of money management that we read and rec...
#122 Making money part two
May 07, 2020 03:30 - 44 minutes - 21.4 MBHow side hustles can boost your income. In the second part of my making money series I've been joined by Ken Okoroafor from The Humble Penny blog to talk about how "side hustles" such as tutoring or setting up your own eBay / Amazon shop can make a big difference to your income. Please do leave a review and rating. Here’s how to do it on Apple Podcasts and iTunes. Further reading & links Episode 121 of Cash Chats - Money making part one The Humble Penny blog - Ken's guide to side ...
#121 Money making part one
April 29, 2020 11:34 - 49 minutes - 30.6 MBIf you're in need of some extra cash there are a couple of ways you can do this. In this first part I'm joined by money making blogger Emma Drew to talk about how things like online market research, eBay and receipt scanning can boost your coffers. * Please do leave a review and rating if this saves you money. Further reading & links Emma's guide to survey sites including Prolific and YouGov Sign up to Research Opinions Sign up for a cashback site bonus Sign up for Oh My Dosh ...
#120 Save thousands on your mortgage
April 22, 2020 10:51 - 34 minutes - 20.9 MBProbably the biggest purchase we'll ever make is going to be buying a house. But once you're on the housing ladder it doesn't mean you can't still make savings. In this week's episode I've looked at two key ways you can reduce the overall interest you pay, which can be worth thousands of pounds. The first is to boost your LTV (Loan to Value) and the second is to make overpayments. Individually they'll cut what you pay, combined the savings will be huge. * Please do leave a review and r...
#119 How to get to payday
April 15, 2020 16:11 - 28 minutes - 17.1 MBThis week I've looked at what you can do if you think you'll struggle to have enough cash left towards the end of the month and your next payday. FURTHER READING How to survive until payday How to make a budget How to stick to a budget How to stop spending money Spend less by using what you've already got What benefits are you entitled to Deals of the week ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast has bee...
#118 Why you need to talk about dying
April 08, 2020 13:52 - 31 minutes - 19.1 MBThere are a couple of taboos people tend to avoid talking about. Money is one, another is dying. So combined must be some kind of super-taboo! But it's really important that you do have that conversation. Here's what you need to think about in terms of your own finances and plans, as well as how to discuss it with family members. It might not be the cheeriest of subjects but it's vital you have some plans in place to make sure your money goes where you want it to go, and the loved ones y...
#117 Your banking and coronavirus
April 01, 2020 14:28 - 31 minutes - 19.4 MBFrom mortgage holidays through to interest-free overdraft buffers, here’s what you need to know about how your bank is working during the crisis. I've looked at your borrowing (so credit cards, loans, mortgages and overdrafts), your banking (including customer support and bank switching) and your savings (how safe your money is and ways to access locked away cash). FURTHER READING Banking during the coronavirus crisis: Mortgages, overdrafts, loans, savings and more How much an over...
#116 Working from home and saving money
March 25, 2020 15:56 - 30 minutes - 18.3 MBIf you're now working from home there's a good chance you'll be spending less, but there are a few things you should be doing to make sure other costs don't get out of control. In this week's episode I've shared how I've used home working to save cash over the last couple of years, plus a quick rundown of the latest deals of the week. FURTHER READING > Cut the cost of your broadband > How to find out just how much data you need. > How to switch your energy to cheaper deal > C...
#115 Prep your finances for social distancing and self-isolation
March 18, 2020 16:36 - 36 minutes - 21.8 MBCovid-19 has come from nowhere and caused such unexpected disruption - which is likely to get worse. So how do you make sure you and your money are in the best place to deal with this? Well a bit of planning now could make things easier in the weeks and months to come as our movements become more restricted. Plus, my thoughts on what you should do if you're owed money due to cancellations. FURTHER READING > Managing your money during social distancing and self-isolation > Cance...
#114 What the interest rate cut and 2020 Budget mean for you
March 11, 2020 16:41 - 32 minutes - 19.6 MBIt's been a big day for your finances with a surprise interest rate cut followed by the Budget where the new government set out its financial plans for the year. I've taken a look at how both of these will impact you and your money. Plus, important information about your sick pay rights if you get Covid-19 or have to self-isolate due to coronavirus. FURTHER READING > Budget 2020: What it means to you > Savings, mortgages and debts: Will the interest rate cut affect me.. and you? ...