Question Time: My energy’s fixed: refix early to beat hikes? Will our wedding hit our mortgage? How to switch joint savings?

24:56Thank you very much. And just to say a big thank you for the work you've done over the years, because sort of getting on the property ladder and helping us open lifetime ices and that sort of thing. It's been a big help over the years.

25:09Martin Lewis:Well, I'm delighted to hear it. And wonderful as you continue your journey through your financial lives. Hopefully, we'll still be there talking over the airwaves and helping you through it. Thank you so much for your call. Perfect. Thank you, Martin. Cheers. Are you sitting there thinking, oh, I know what I wanted to ask him? Well, this is your opportunity. If you've got a question, then just send them in to martinlewispodcast at bbc.co.uk. And please do start them, dear Martin. No, dear Matt. Dear Martin. Dear Matt. Right, Sir Matthew. I think that's your casual name, by the way. Sir Matthew.

25:47Yeah, I don't think, I think the professor and doctor in this squad is too much when we're just chit-chatting. I think just Sir Matt. Or Sir Matt. So you started calling me Matthew on the podcast, so people have started emailing in with Matthew, but I don't go by Matthew. But you are Matthew. Yeah, it's my name, but I don't go by it. No offence, mate. If you're going to have Professor Dr Sir,

26:05Martin Lewis:you can't be Matt Burnham. I mean, it's a formal thing. Your name is Matthew. I mean, when we accorded you these titles within the canon of the podcast, they were accorded to Matthew Burnham. Do you have a middle name? I do. Can you reveal it? It's David. It's after my dad. Sir Matthew David Burnham. yeah that's quite that works that anyway anyway Sir Matthew what's the question got one from Luke who has emailed it in to Martin Lewis Podcast at bbc.co.uk he says hey Martin and other people can email at the Martin Lewis Podcast too if you've got a question or a funny question for the end or you'd like to talk to us and remember if you come on air and you record something you get a badge oh yes and I would just like to say just address it to dear Matt dear Martin see it doesn't work the other way around does it No, it doesn't because I'm the one who's going to answer it.

26:55I'm the one who reads it.

26:56Martin Lewis:No, you're the one who decides whether it goes on air, but I am the one who provides the information. Do you have access to the inbox? I'm happy for this to be dear Martin and Matt. Yeah, I like dear Martin. I'm happy with dear Martin and Matt. I think that's fine. As I've said before, I think trying to push for dear Matt and Martin on the Martin Lewis podcast is a step too far. I disagree, but shall I read the question? Yeah. He says he listens to the podcast weekly and he has a question for you. Me and my girlfriend have a joint account and joint savings account, both with Lloyd. In the savings account, we like to put away£200 a month.

27:28That's each, so it's£400 total for holidays. Good on you. Joint purchases and date nights if needed. I'd say a date night is always needed. Yeah. It's currently in an easy access savings account, which used to have 6%. Now it's matured and we get 0.6%. That was a sort of grumbly growl. Okay, not something I've said. No, it's Luke and Jodie, I think this is, isn't it? Yes. Yeah, Luke and Jodie, I've just given you a growl. Okay. If it was a personal account, I'd be changing and opening a new account. But because it's a joint account, it's more confusing. What can we do? They also note that they plan to buy a property in the next six months.

28:07So they're aware about opening up new accounts.

28:10Martin Lewis:Oh, there's so much to go, Luke and Jodie. I'm glad you're listening because we need to do... First of all, this has no impact on you buying a property in six months on your credit score because these are savings accounts. Savings account, don't go on your credit file because there's no credit element. So we don't need to worry about that at all. That was that worry thrown out the window. Next, it really isn't difficult to joint account. It's exactly the same as a personal account. You go somewhere else, you fill in the form. These are savings, right? It's just a savings account. You take the money out and you transfer it to the new account.

28:41Martin Lewis:So you go and open yourself the best account that you possibly can and you make sure the money's in there. Letting it be at 0.6%, especially if you're saving for a property, is not good for you. Obviously, you want the money liquid if you're saving for a property. That's important. So let's just do the simple options first. So the top paying easy access interest on joint accounts at the moment is Kahoot, which is part of Santander. so you know it is a big big institution but you can only put up to three thousand pounds in there but on the three thousand pounds you get five percent easy access so that's pretty decent i'm not going to mention cash isis because you can't have a joint cash isa you'd need to have separate cash isas and isa is an individual product if you have more than that the next top paying that accepts joint account currently and do remember at the time of listening these rates could have changed and products could have changed i can only do it at the time i'm recording is the post office at 4.4%, which includes a one-year 3.5 % bonus.

29:40Martin Lewis:So after the year, a bit like your Lloyd's account, the rate is going to plummet down and you're going to need to diarise to ditch and switch at that point. But you can have up to 2 million quid in there. So you could put your money in cahoot for the first£3 ,000 at 5 % and then the rest you could put in the post office at 4.4 % and those are on joint accounts. The only other thing I might just mention to you, you haven't told me your status whether you're first-time buyers or either of you have owned a property before if you haven't owned a property before and you have a lifetime isa because maybe you were listening when i said get a pound in a lifetime isa if you haven't and that lifetime isa will have been opened for a year by the time that you are due to buy your property and you're going to be buying a property under 450 000 pounds then i would be putting this money into a lifetime isa if you haven't maxed it out, you're allowed to put up£4 ,000 a year because you would get 25 % added on top onto what you've put in up to the£4 ,000 maximum to go towards your first property.

30:40Martin Lewis:But if you haven't got a lifetime ISA and you're planning to buy in six months, it needs to be open for a year so you can't do it, so you're probably best where you are. Hopefully that helps. To use Matt's phrase of TDLR, don't worry about your credit score because they're savings accounts. As for opening a joint account, just make sure it's any savings account that allows joint accounts. I've mentioned two that for you, and then you simply open a new joint account, you move your money out of your old one into the new one. Jobs are good. TLDR. What did I say? TDLR. What does TDLR stand for? Too damn long.

31:10TDLR is a totally dynamite Lewis response. It's when I give, you know, an absolutely punching question. That's what it stands for. And everybody knows that. Still waiting for one of them in this episode. Cruel. okay matt so uh it's even number it's a caller who've you got for me i have got oh i like no hesitation no hesitation no hesitation you had a caller brilliant she's ready hannah in bluestone in wales hi hannah hi hi hello hannah how are you hello i'm good thank you what are we doing for you When I say we, I mean... I was going to say, I just introduce the caller. No, but that's a very, very valuable role.

31:51It's a very valuable role. But I wouldn't be able to answer the question. No. Well, I'll tell you what.

31:57Martin Lewis:Here's what we're going to do, Hannah. We've never done this before. You're going to ask your question and Matt's going to give it a go first. I'd just like to caveat before we get to that point, please nobody do any form of action on the back of Matt's answer. There is absolutely no validity in what he says whatsoever. but we're going to give them a go okay okay hannah what's your question okay my question is how does travel insurance work when you're traveling with a group so we've had a few holidays this year so we're on holiday at the moment and the family that we're traveling with have got their separate travel insurance for themselves we've got our own travel insurance but it's but i made the booking so we're wondering kind of how it works um and kind of who would be responsible and whose insurance would be responsible in the event of obviously something had to change or something happened during our holiday.

32:50Matt? Well, that's a very good question, Hannah. I think that Rosie and Isabella are already cringing. No, they're sort of smiley laughing and wondering what you're going to say at the same point. I would say that you should all have your own policies. And yeah, that's what I would say. Okay.

33:09Martin Lewis:As I said earlier, please don't listen to Matt. Right, Hannah. So just let me get you both. You have two separate family policies, correct? Yeah, yeah. So we've got travel insurance through our bank account. And I'm currently... Which I always define. I would see a bank account as an automatically renewed annual policy. That's what it is in reality. The bank's just paying for it rather than you're paying for it. But it's an annual policy that's automatically renewed. So you have that consistent ongoing cover. Yeah. Yeah. and my dad has also got their own annual policy that they have. So look, it is always policy dependent is the first thing I would say.

33:49Martin Lewis:What counts as family depends on the travel insurance policy is the first one. I know this isn't why you're asking but let's just go into a detail. For example, CoverWise would say two adults and any number of children, stepchildren, foster children aged under 18 are under 23 in full-time education but some policies, LV, Liverpool, Victoria as it used to be, you can extend, so it could be your mother-in-law, your father-in-law, could all count under a family policy as long as it's defined that way. The issue with having separate policies on a group holiday, the primary issue is what happened, I mean and you're already there at the moment but let's go into this, if something happened to you on your holiday you would claim on your policy.

34:31Martin Lewis:If something happened to somebody from one of the other group on their holiday even though it's the same holiday they would claim the issue would be primarily what happened if something something happened to you that meant they wouldn't go so perhaps beforehand one of you got ill so it was all defined as going as a group policy and then the other people saying well we can't go because this person isn't going that's where the really big issue comes in unless i'm missing something in your question is that what you're thinking about Yes, that's what we were thinking about. OK. Now, the honest truth is, the easiest way to deal with that is to actually get what's called a group policy.

35:11Martin Lewis:So a group policy would be, if you're booking the hotel together and the trip together, you would also get a group insurance policy that ensures you all as a collective, regardless of relationship. So you've got family, which is pretty obvious, and then you've got group, which is a collection of people travelling together. And a group insurance policy would be the easiest way in order for you to be covered if something happened to a member of the group that meant you all couldn't go. I mean, we're not going to give specific examples. People can work that out for themselves. Let's not be morbid about it.

35:45Martin Lewis:But in the event that you've got two family policies, I still think you would, under most insurance cover, actually be fine if someone couldn't go. the paperwork would just be a lot tougher. So the insurer would usually want evidence that your companion was medically unfit to travel or whatever the issue was, confirmation you were due to travel together, proof of what had been paid for the trip and any refunds. So they would really want to do a detailed paper trail for you to prove that this was a substantive and material reason that you could not travel that was unexpected in the first place.

36:17Martin Lewis:So I think that's the primary difference. Now, I can't say that's going to work on every single policy because this is a policy wording system. But the general way insurance works is, so, I mean, we can make it even more simple. If three of you were travelling and you were all on single traveller policies and you were all going together, you would still be able to claim if one of you was ill and couldn't go, but they make it a lot more difficult to do so than if you'd got a group policy together. Does that make sense? Yeah, it does. Yeah, thank you. So, I mean, and again, pricing comes into this as well.

36:50Martin Lewis:Sometimes group policies can be cheaper, But the difficulty is always the age. The age of the oldest traveller will always pump up the total cost. So if there were to be an anomalous age, so let's say it's a group of 20 year olds travelling with an 80 year old, you know, a grandparent going with young adults. I would probably be looking at the 20 year olds getting one policy and the grandparent getting their own policy, because otherwise you're likely putting up the risk of the overall policy. but you'll just have to check both to see which was cheapest. Have I missed anything? Hopefully that's a slightly fuller answer than Matt gave you.

37:28Martin Lewis:A genuine answer. Yes, absolutely. Yeah, no, that's great. Thank you. We got a bit, we were wondering what to do or what, yeah, how it was all going to work. I will give you my big tip on travel insurance that we are now able to do in the modern world. Every policy is different. And one of the great problems on travel insurance is you are insuring for known unknowns. So you're insuring for the things that we can all understand might happen. You know, am I covered if my airline doesn't take me there? What if I get ill? All of those obvious things we can think of. But you're also covering for unknown unknowns, which is this is the Donald Rumsfeld old political equation, the known unknowns and the unknown unknowns.

38:13Martin Lewis:And the problem with the unknown unknowns is you don't know to think of them before you go. which is always a great problem in travel insurance and reading a policy once something happens is really tough so my big tip in the modern world is when you get your travel insurance policy if you have questions take it as a pdf put it into one of the large language model ais and put it in the highest level that you have available and then ask the ai questions after it's read your policy to see what's in your specific policy. When it gives you an answer, don't trust that answer, but ask it where that answer is contained, what clause it got the answer from, so you can then read that specific clause yourself as well.

38:55Martin Lewis:And I think that is a good way to work out exactly what your individual policy covers. That's a really good tip. Thank you. My pleasure. Thanks so much for calling, Hannah. And of course, you've got a badge. I mean, I'm slightly concerned. We're not going to say where you are, but are you going to be home in time to get the badge? Do we need security on the badge delivery? Because we wouldn't want someone to intercept the post knowing you were aware. This is a real risk. No, it's fine. It's fine, okay. We'll be home on Monday. Fine, perfect, perfect. Matt, just make sure that maybe you delay one day the sending.

39:32Martin Lewis:Do we send it with security guards? Yes, two security guards at all times. Yeah. So it's actually costing the BBC quite a lot of money to send these badges out. Yeah, this is a big license fee issue. This is a real, yeah. I mean, ultimately, yeah, it's a bit of a worry. But I think it's important. Yeah, I'm worth it. I'm liking, I've just got this image now of a big blue security truck, two very, very beefy guards in the back. And then when they open it up, there's just a table, a wooden table that's locked down. And on the top of that table, on a plinth, is a single Martin Lewis podcast badge that's sitting there, and then they gloved hands.

40:09Martin Lewis:One takes it out while the other's watching. You know, he steps out of the van first, the one who's not carrying the badge, does the look side to side like any good cop show. The other one picks up the badge. He holds the badge inside the palm of his hand so that people passing by can't see, because if they took a glint of it, they would know. And even normal people who are normally law-abiding, if they saw just a glimpse of that badge, you could see them going feral and attacking, and then they take it into the house. Is that how it's delivered? Sure, let's go with that Definitely not Royal Mail Sorry Hannah, thanks Hannah Thank you We've done two reads We've done two callers And I think the first question was very long But it was detailed and important on energy Are we going into the funny now Or do you have something else for me Well I thought it would be nice to do a little success Because it's always nice I've said this to you before and you've not delivered I'm not going to dock a title, don't worry we need a success jingle yeah do you know I can hold my hands up and say I forgot I know you can hold your hands up there's nothing to be proud of until I mean a little bit of weight training you might be able to hold them a bit further hey until this very moment I've completely forgotten that you'd said you'd wanted one but I will get on it didn't you ask people to send them in you asked listeners to send one in no one did no one did I don't know I'm about to say something that might offend all our listeners we didn't get any remarks about my Manchester thing last week, did we?

41:36Not from listeners, but Editor Tom was not impressed. Editor Tom wanted to be in Cheshire, Cheshire, but I defined him as Manchester Cheshire. That is true. No, I just don't know if our listeners are jingly types. Maybe I'll have to get onto it and see if we can get one made. I wonder whether it's left brain, right brain, and our listeners are right brained and you have to be left brain to do a jingle. I don't know. We have a very good guy here who can make it for us. To be fair, that would be the right way to do it. I will ask him. I mean, this is a BBC podcast. Surely the BBC has jingle resources.

42:06The BBC does. It has a jingle department, doesn't it? I don't know. I wonder what it's like when you walk in the jingle department in the morning. It just chimes everywhere. Hello, good morning and welcome to your work. And they go, oh God, can you imagine throughout the day? It's lunchtime. Doodly. Shall we do a success? I want to live in the jingle department. Yeah, well, what's success? Which one do you want? Rosie's laughing.

42:32Martin Lewis:Isabel's slightly, I don't know what I'm buying into. I was going to say, she's regretting her decision of taking this job. She is. She's thinking, oh dear, where is this going? We still haven't had the discussion of whether Isabel's going to be allowed to talk or not. But I think we do that once GDPR is fully moved on and upwards. Right, carry on. Okay. Maddy has emailed the success in. She says, hi Martin and team. I wanted to share a massive success story thanks to your advice on phone contracts. and while checking my contract details, I realised I'd been mis-sold a data plan that I hadn't used since 2017.

43:06I challenged the provider about this historic mis-selling and they agreed and gave me a cash refund of£1 ,184.61. She says, thank you so much for the advice. I never would have spotted this or known I could challenge it without you. That's really interesting.

43:25Martin Lewis:I'm interested to know what the nature of the mis-selling was. I mean, I suspected she was paying for data that she wasn't using. Now, it's interesting when that happens, because it is a grey area of whose responsibility it is. I tend to find that with the big networks, they will give you the money back if it's just totally, you know, they shouldn't have had it. I mean, look, if it was the case of she cancelled it and they continue to charge her, then it's pretty clear cut. But if she didn't cancel it, she just wasn't using it or she moved on and they didn't cancel it. It's always more of a grey area.

43:54Martin Lewis:I'm delighted that she got the money back. and I do have on my list to do my what I call my direct debit audit but as a very quick note every year at least every year you should be going through your direct debits and standing orders on all of your accounts to just show what are you paying for on a regular basis and asking yourself do I need it is it worth it am I getting the best value from it and you know so many people have money dripping away, seeping away from their pockets because of that. And then the more difficult one you need to look at, and I'm delighted at Maddy's case story, I'm not quite sure which one this is, is a thing called a recurring payment.

44:35Martin Lewis:Let's see, do you know what a recurring payment is, Matt? Yes. Go on. A payment that... Recurs. Recurs. OK, well, let's test you a little bit more. OK, go on. What's a direct debit? So that is an agreement that you set up with your bank and the person who's taking the money, and that's like they can take money directly from the account, I'm guessing? They can and the amount can vary. And you have the director, you have lots of strong rules involved in the direct debit. What is a standing order? That's one you set up yourself where you specify a certain amount of money gets sent to someone else, right?

45:06Yeah. So, you know, you could send that to an individual. You could send that to your child, your mum, whatever, right? And then there's a recurring payment. You've done very well. I'm a proper gold star. Thank you. Recurring payment? I would say, is that where you give them your card details rather than your bank details? Rose has just given you a smile and a nod. We are impressed. Yes. Award yourself a badge. Thank you very much. Well done. Yeah.

45:31Martin Lewis:So a recurring payment is when you give the long details on your credit or debit card. So interestingly, a direct debit is from your bank account. A recurring payment is from your debit card that's the same bank account, but you don't have the same rights. Now, what a recurring payment is, is effectively, if you make a normal payment, you're paying someone. And what you're saying with a recurring payment is you can take that payment each time you need to. So you're giving somebody permission to take payments from your account. The problem is these are not broken down in your account. Classic ones are subscriptions like your streaming service subscriptions are recurring payments.

46:09Martin Lewis:So they take the payment each month, but not via direct debit. It's not listed and broken down. So the only way to spot them, I mean, there are a couple of apps that say they do it. I don't think they're that good yet. I'm desperate to build one myself, but I've not done it yet. The best way to do it is you just need to look at a few month statements and look at the payments that recur, which you haven't actively made a payment for. They are your recurring payments, and you should put those in your direct debit audit as well. Well, I call it, obviously, they're not direct debits, but you get the point.

46:39Martin Lewis:You should put that in your checks to, should I still be making those? and you do have a right to cancel those with your card provider. It can be a bit tricky, but you do have a legal right to do so if the company won't cancel them. Can I ask a question? Yeah. Why would a company use a recurring payment rather than a direct debit? Cheaper and you don't have all the rights. And often it's done by big international companies who are trying to set up one payment system across the world. So direct debit, your direct debit regulations is a UK thing. but you know if you're Netflix you're trying to set up the same system everywhere and a recurring payment is just a payment each month if you see what I mean.

47:17Martin Lewis:I see what you mean. It's just a payment it's nothing, it's not actually a thing it's just, I mean you could have a recurring payment could be I go into the same shop once a month and buy something that would look exactly the same as one of these does. So essentially they just store your card details and charge you each month. Correct and you've given them permission to do so but yes, exactly. Right I've enjoyed this pod I feel like I've learnt a lot this week I'm very impressed that you've been listening Matt I do, do you know it's funny I sit here and I actually do listen to what you say Do people by the way do people now because they know you do this like your friends and family do they ask you questions about money all the time and do you know the answers sometimes yes it's a lot of people at work as well who do it sometimes I know the answer a lot of the time I will tell them to listen to the podcast Rosie's laughing, so I think that was true.

48:12Funny and askance, have we had any in? We've had quite a few sent in, actually. Your question. I told them off last week. I was going to say, your request for questions. I think it was more than a request. I think I argued in the symbiotic nature of this podcast, they had a duty to send them in.

48:29Martin Lewis:Thank you, everybody who has. We really appreciate it. We have had quite a few good ones. I noticed my tone change there. Did you hear my tone change? I did. That was my, I suddenly was being all proper and serious saying thank you, so thank you. Ah. Okay. Right. Right. So I'm worried about this one a little bit. That makes me more worried. Go on. Because, okay, I'll read the question and I'll tell you why afterwards. So Amber sent this one in. She says, Dear Martin, in brackets, and Matt, comma, oh, and hello Rosie. Rosie's smiling a hello back. No, Isabel. Sorry, Isabel. Isabel, Isabel's got a pouty mouth on her.

49:03Oh, no. She says, I listen to both podcasts each week and thoroughly enjoy your impression of Adrian Childs. Thank you very much. That was terrible. It's very kind of you. Thank you. Thank you. So my question is, what other accents can you do? She says, P.S. An audible example is required for proof. So, right. I'm worried because I don't want you to offend anyone. Well, clearly, if I do accents, I will. But if I'm being asked to, people will understand. This is my issue, not their issue. Okay, good, good. Can I fire some accents and see if you can do that? Yeah, sure, go on. Okay, can you do a Scouse accent?

49:40Martin Lewis:Well, I used to go to school in Liverpool. My first years in Liverpool were from like the age of 7 to 11. So I did at one point actually have a bit of a Scouse accent, but it's gone. You sound like Paul Hollywood. Okay, that'll do. Yeah, that was good, that was good. It was a bit of a posher Scouse, but yeah. Well, yeah, I was chilled more, which is a bit posher Scouse where I went to school, yeah. Ah, I see. Welsh? Well you see I used to actually I lived for a year my postgraduate I can't say that in Welsh my postgraduate so maybe I don't know this is one's going all over the place Yeah that's alright Manc?

50:15Well I am a Manc you know what I mean but if I put it on a little bit I'm going extra strong you know what I mean I can't say that That's good But I am a Manc I was born in Manchester I grew up in Cheshire I mean posh Manchester

50:25Martin Lewis:Well I was born in No I was born in Withington Hospital I grew up the first year of my life was in Didsbury and then I moved to rural Cheshire after that. Real Cheshire, though, as we discussed last week. I grew up in Delamere Forest, for anyone who's from that part of the world. Right. Geordie? Why, I'm not going to do the obvious stereotype Geordie, aren't I? It's all right. It's not too bad. Right, I'm for Birmingham. So can you do a Brummie accent? I'm channeling Alison Hammond here. Just going a little bit slower. A little bit slower and a little bit more Birmingham. How am I doing? It's going a bit black country.

50:58Martin Lewis:I'll take that. I'll take the black country coming out. Okay. Isabella and Rosie I can't tell if they're wincing or laughing I think it's between the two It's waffing Northern Ireland Northern Ireland is a bit like that I think the difference between Northern Ireland and Southern Ireland Is Northern Ireland is you have your mouth closed And the Republic of Ireland You have your mouth even wider No they sound exactly the same You just sound like someone who had their mouth closed And then opened their mouth I am not an accent coach I'd like to say that It's not my expertise They're not bad. Somerset?

51:33Martin Lewis:Somerset. Oh, you just go for generic West Country, if I'm doing that. Uh-huh. Yeah, that's all I'm doing. Okay. Oh, you got a brand new... I was thinking that was just channeling... Oh, you got a brand new combine or... I can't wait for Tom to listen to this. Tom the editor. Yeah. He's going to win. We're just... I mean, you're testing me. I can't... I'm not... I think we should... I think it's getting close to wrap-up time. I think we've probably stretched it. What's the best impression you can do? Or the best accent? I can do the Martin Lewis impression from Dead Ringers. Actually, I can't because it doesn't sound like me.

52:06Just very posh and very fast.

52:07Martin Lewis:The one I used to be able to do, a Lloyd Grossman, really thinking about what type of food you're going to be eating. Then I realised, Matthew, that potentially you're too young to know who Lloyd Grossman is. Who lives in a house like that? it's over to you do you have any clue who that is? I know who he is because obviously he has the pasta sauces in the supermarkets but I've never heard his voice so he was the original MasterChef presenter and more importantly he presented through the keyhole the original through the keyhole and that's no idea those listeners who are over 40 hopefully you will recognise that was not too bad Rosie and Isabel totally blank as well yep exactly shall we wrap the podcast there?

52:57please

52:59Martin Lewis:I hope you've enjoyed that. As I said, we might be doing more on the energy stuff if you've got questions on that, so do get in touch. But if you've got any more questions or any funny questions or stuff you want to sort out with your finances or you'd like to come on board and ask a question, please do get in touch. MartinLewisPodcast.bbc.co.uk and you can address it to Dear Martin and Matt. Or you could just say Dear Matt. I think I was disingenuous then. I think I'd been generous in giving you both. Dear Martin and Matt. And then you came in. Dear Matt. Dear Matt and Martin? Don't think you did yourself any favours.

53:29Dear Matt and Martin, let's go with that. You're just not winning. Well, Martin, you don't see the email.

53:35Martin Lewis:And that is it for this week's Question Time. Don't forget to subscribe so you know when we release a new episode. We put out a new Question Time episode each Monday alongside the Big Topic podcast with Adrian on Thursdays. Aren't you lucky? Two doses of money-saving tips and tricks a week. If you've enjoyed today's show, please tell your friends you've been listening to the Martin Lewis podcast and why not subscribe and leave us a review? Then your pockets will be pleased with you and we will be too. That rhymes. And don't forget, if you come on the show, we'll send you an exclusive Martin Lewis podcast, question time, ESQ badge.

54:11Martin Lewis:Ooh.

54:15I'll let you have the last two. Thank you.

54:32Martin Lewis is the founder of MoneySavingExpert.com. But of course, other consumer and price comparison websites are available. You can get in touch with Martin's podcast production team by emailing martinlewispodcast at bbc.co.uk. The offers and rates mentioned in the podcast are correct at the time of recording. However, if you are listening on demand, it's worth double checking as details can date. Remember to subscribe on BBC Sounds and leave us a review however you listen.

55:24U.S., business is booming, though as the popularity has grown, so too has the public debate around the ethics of it all. For more, listen to The Global Story on BBC.com or wherever you get your podcasts.