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tv   Money Clinic  BBC News  August 4, 2018 1:30pm-2:01pm BST

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has them living in constant anxiety and distress. catherine karelli reports. south korea is in the middle of a record—breaking heatwave. but that hasn't discouraged women from taking to the streets of seoul in a mass protest. the target of their anger, so protest. the target of their anger, so called spy cam videos. translation: i've always been under the fear that there could be secret spy the fear that there could be secret spy cameras at the toilets, in the company building, or underneath the desks. the threat is also there, at public bathing areas, james, swimming pool changing rooms, accommodation and on the street. spy cam pornography is the spread of intimate photos and footage taken by hidden camera. in south korea, it is so hidden camera. in south korea, it is so pervasive that it regularly makes headlines. perpetrators have included schoolteachers, church pastors, government officials and police officers. in some cases, the
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victim's on boyfriends or relatives. the me too movement has led to an unprecedented surge in female led activism in south korea, with a monthly anti—spy cam demonstration in seoul holding the title of the biggest ever women's protest in the country. perhaps in a sign of the tough battle that lies ahead of them, though, many of the women taking part in the protests opted to ta ke taking part in the protests opted to take their faces covered, citing safety concerns. but if there is one thing that's clear, it is that the women are fed up of living in fear and they are fighting back. it's time for a look at the weather with alina jenkins. in northern ireland and scotland, a different story. there will be bright and sunny spells across eastern parts of scotland, but it
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will be patchy rain across north scotland. elsewhere, the best of the sunshine through the afternoon. there will be mist if some on the coast. highest temperatures again in east anglia. overnight, patchy rain for scotland will turn to ease away in the confined to the far north—west scotland. elsewhere, it is tried. clear the sky for england and wales. not quite as market. high pressure in charge of the weather tomorrow, so for most it will be dry once again. most of the sunshine in england and wales. cloud in northern ireland and scotland, but a largely dry day. temperatures getting close to 30 celsius again across south—east england and east anglia. you are watching bbc news. the
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headlines this error. two thirds of household plastic waste ends up in landfill sites despite efforts to increase the amounts we recycle. the government association says login plastic used in many food containers cannot be recycled and needs to be banned. detectives investigating the disappearance of samantha eastwood are carrying out searches in north staffordshire. she has not been seen since last friday when she finished a node set a talk on trent university hospital. three men have died this week from heat stroke and spain as temperatures and parts of southern use spain as temperatures and parts of southern use scarce spain as temperatures and parts of southern use scarce regular rise
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above a0 celsius. holiday—makers are being wanted to stay out of the sun. mike pompeo says he hopes north korea's nuclear programme can be stopped. as comets come after a un report claimed it is still continuing. —— his comments come. thank you for your company so far today. here, it is time to open the doors of the money clinic. we're putting money and relationships under the spotlight. many of us find it hard to talk about money, even with those we are closest to. and that can turn into a big problem. money is about power and control. in this programme, couples will open up to an expert to try to get a better understanding of theirfinances... now i know there are people who depend on me. i have to work harder. ..their emotions... it would be so selfish of me not to take care of her. i wish every daughter would feel about way about their mother.
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..and one another. it is time to open the doors to the bbc money clinic. kenya's capital, nairobi. home to around four million people, from the very rich to the very poor. in between is a growing middle class. people come here from all over to try to make it in the big city. but family ties remain strong. and that for some people creates an extra financial burden. seeing the couples in the bbc money clinic today is life coach and authorjenny karina. jenny is a specialist in helping people get the balance right between love and money. someone said that there is no romance without finance.
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and whether that is true or not, what i can say is that actually it is documented that over 75% of couples end up in divorce because of money conflicts. and so, it's not about intimacy, it is about how you manage your money together as a couple. would you say then that a lot of arguments about money are not about money, per se, but they are about other things? you hit the nail on the head. deep—seated attitudes that we have. deep—seated attitudes, upbringing, parents, exposure to money, environment that you are in, your experience of a time of loss or plenty, all that forms our mindsets and attitudes concerning money. so when we are having money arguments, it is not about the money, it is the emotion that is evoked in us
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in that discussion. first into the clinic are 29—year—old banker tom and 2a—year—old cynthia. she is pregnant, has given up work, and their wedding plans are on hold. in kenya, weddings are costly affairs for the groom and his side of the family. in many cases, a formal meeting between both sets of parents has to be paid for. then there is the bride price — cows, goats, and cash can change hands. and of course, there is the wedding itself. it's this long list of expenses that is worrying financially cautious tom. i'm in a relationship with cynthia. she is humble, respectful, god—fearing. she is a homemaker. tom is responsible. i like him because of his responsibility. i tend to think long—term in terms
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of financial savings, money management, and planning. tom has told me, maybe if i have money, i will buy makeup, shoes. for me, it is not a priority, our wedding. it's a one—off affair. we'll have people come and go, and then the amount will have gone just like that. so my idea was to delay it at least for up to two or three years. i'm not sure about that. that's why we must go here. going to the clinic will help us to understand better what we are getting into and expectations of financial matters. cynthia, hello and welcome to the bbc money clinic. hello. tom, hello. so you two are looking for some tips about sharing your financial future together. how are you feeling? i am excited. to be here and to learn. excellent. feeling great.
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great, ok. well, jenny is ready for you, so please go in and enjoy. all right, thank you. because we are expecting our first baby, we agreed that cynthia can take a break until the baby comes. and then she can resume work. so as it is, i'm the sole bread winner. cynthia, how did you feel when he asked you to leave work and just wait until the baby is born? at first i did not agree with him. one thing i love about tom is he is responsible. at least he opened up about his income, the amount of money he earns. i'm glad you said you were a bit uncomfortable about that in the beginning. because what happens is money is about power and control, and when you are the one with the money, you
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have got the power. when you're the one without the money, you have no power, you have no control. i know that couples have a lot of money arguments and money conflicts, particularly when it's one person that is providing and the other one is simply spending. you make money, she spends it all. she has no financial prudence with the money that you give her. maybe she's a good spender. how are you planning to manage your finances together? before she resumes work, we can agree on an amount that i can be putting into an account and then she can be managing that until the end of the month. and so, tom, you now have the financial responsibility over your household. now i have to focus on the bigger goal. because now i know there are people
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who will depend on me. yes. i have to work additionally harder. yes. there are friends that i had to leave behind because now we do not share the same responsibilities or goals. and so in some sense it has brought a sense of responsibility and discipline to me. yes, great, that's good. but the reality of the matter now is that you now have a family. and so you need to think at a broader level, even beyond the wedding. because the wedding is a one—off event and the marriage is a lifetime. and so even as you think about the wedding, the dowry, and the celebration, maybe we could unpack that a bit so i canjust get a glimpse of what your dreams are concerning that.
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initially, i was not planning to have our wedding immediately. i had planned we just show respect to the parents, we do an introduction, we pay a dowry in a weekend, then we can do our wedding when we are both comfortable. i don't subscribe to the idea of fundraising for a wedding or collecting money from friends for a wedding. i want to fund my own wedding. but for her, she really wanted a wedding this year. some of the family members really wanted a wedding. and so the wedding, the introduction comes with the cost implications. of course, we have the dowry, which in our culture, you can do cattle or a money equivalent. so you can see if all this goes the same year, it's a huge cost, considering again i do not subscribe to taking loans. yes.
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so it means you really have to deny yourself everything. and allow me to ask cynthia, what you want concerning this relationship? i want this relationship to grow into a marriage. because we are still young, so we are experiencing many challenges. what are the challenges? of course, there are cost challenges. yes. insecurity? 0k. it's a bit weird because i have been earning my own money, so it's difficult at times now that i do not earn money. what i hear you say is i am pregnant, i am young, i am in this guy's house, we have no commitment, he can find another beautiful woman, they are born every day, so what is going to happen to me? and you have every right to feel insecure as long as he did not have this ring on yourfinger. and what happens about having
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a ring on yourfinger, it becomes legally binding. and once is legally binding, then you are lawfully his wife. so i see that is what you are looking for. yeah. it's clearjust how much cynthia wants that wedding, but tom still has concerns. what i hear you, tom, say is one, you are really excited about the responsibility of being a husband and father. however, there is anxiety about the cost of the process. and it is for that reason that you are asking cynthia to consider not having the wedding immediately. it's the white wedding. the white wedding? yes. but if you're like me or any other girl, you want to walk down the aisle and sing here comes the bride. is that a reality for you?
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yes, that is what i want. that is what you want. yeah. and so i see that you are very agreeable, wonderful young couple. how are you planning to build a kitty for project marriage? i have a side business, so i decided the money i get from that side business will go towards the wedding. ok, wonderful. tom and cynthia, thank you so much for coming to bbc money clinic. do you feel you got some good ideas? yes, i feel happier and i think my mind has now been opened up on possibilities that come with a wedding. you said that you feel quite insecure in your situation. do you feel happier now? yes, i feel happier and more secure. that is a great result. i am very pleased for you. might i be getting an invitation to the wedding? yeah, sure, when it comes. excellent. well, i will look forward to it.
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lovely. best of luck in the meantime, and we wish you well for sure. thank you. ok, well, so tom and cynthia have learned a lot about one another, had a really nice conversation and are feeling better, more confident about their future together. of course, it's worth remembering that everybody‘s situation is different, so options that may suit some people may not suit others. we are in nairobi. many here have to work severaljobs to get by. it's known as having a side hustle. we are finding that that pressure is putting a strain on people's personal relationships as well as their finances. in kenya, average live expectancy has been increasing rapidly. in a little over a decade, it has gone from 55 years to 67. but many people are not sufficiently prepared for old age,
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and children are having to support their parents for longer. 26—year—old faith and 29—year—old emanuel both work in business and have been married forjust over a year. after a big wedding, they are struggling to get on top of their finances. this is lorraine's. our parents, they are not employed. so every detail that they need is a call. you work hard. i worked to support our familyjust because from my mother, my dad... they have monthly expenses. they have to go to the hospital twice every month. my mother, she sacrificed so much, i cannot afford to say no to her. so that is why sometimes i will go ahead to make decisions
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without bringing in my husband. you should try the berries. we cannot make enough money. we are paying a loan. it is like having two responsibilities that you cannot afford. sometimes it has been difficult. will you check on the rice? sometimes you work so hard that you do not even understand where the money is going because the bills are too high. you get the money and that has to go to my parents. better. we shop for a month, we cannot afford to shop every other day. we have to be very careful when we buy. is it necessary or is it not? the guidance i am looking for from the money clinic is a way to balance between supporting our parents and paying our bills. hello, emanuel, welcome
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to bbc money clinic. thank you. it's great to have you here. how are you feeling? a little bit tense. a little bit tense? expecting to learn. excellent, well i am sure you will learn. this is the intention. i knowjenny is ready for you, so you are free to go in there and enjoy. thank you. thank you so much. ok, see you soon. when your parents are number one on the list of your financial priorities, i wonder what makes you feel obligated? my mum, she is in her 50s right now, and her income was small—scale farming which does not bring so much to the table. so growing up, to see her sacrifice
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everything for me, so it should be so selfish of me not to take as a responsibility to take care of her. i wish every daughter would feel that way about their mother. i'm reminded of a young man that was very creative in the manner in which he supported his parents. and he said, you know, this every month giving money is a big burden, and so he chose to give a lump sum in terms of a project. and they milk the cow, they sold the milk and they were able to have money for their daily needs. what opportunities could you give your parents in terms of earning from their labour in their home?
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for me, you have said that and something just came to my head. my mum loves the business. anything she puts her hands on, she will do it with all her heart. it is making so much sense that i should actually try and find something i can set up for her, something she can work on that would be a simple way of sustaining her life right now. i can already see the smile on your mum's face. yeah. she is very young. 50. oh, i'm 60! sorry. you say sorry! so i think give your mother the opportunity to thrive in her season. true. now that faith is feeling happier about her mum, canjenny work her magic on emanuel and an outstanding loan?
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is the loan for a house mortgage orfor a car? it is actually for a business. once i got married, because the business was far from nairobi, and she was in nairobi, i had to make a choice. and we tried, and at some point, it became really difficult. emanuel, as you talk about this business, i just get the sense that it is a project that has failed. and is not redeemable. that is why i am getting from you. you have no energy even talking about this. i will challenge you with this question. is this business worth having? not really. so what is so difficult aboutjust
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cutting your losses and running? because this business continues to take your money, but you feel that it is going to be an evil thing to let go, because it will be a sign of failure. just like afraid... a failure of a business is not a failure of emanuel. faith, can you just tell him that? he is the wisest man i know. he always has business ideas, and if this fails, he will wake up, he will rise up and build something else. great. thank you for helping me tell him to let it go. let it go, let it go, let it go. so, emanuel, faith, thank you much so for coming. well, gosh, how was that?
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amazing. there were some serious revelations there. emanuel, you had some very hard words about your business, but you said it was like hearing your own thoughts in your head? that is true. are you ready to let it go? and not feel like a failure? yes, i think that is the point. you've got certainly some serious thinking to do anyway about your business. and, faith, you came here to find out how to say no to your mum, such a difficult thing for you to do. butjenny has some other ideas? yeah, i mean, i'm going to do it the easiest way
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by giving her something she can do to have a sustainable income for herself, and that is why i needed. yeah, the look on your face, it was a light bulb moment. it was an eye—opener for me. i am so glad it came. excellent. pleased to hear it. thank you. so two very happy people have come to the bbc money clinic. of course, everybody‘s circumstances are different, and choices that may work for some may not work for others. the couples came in quite nervous and they left beaming. like a weight had been lifted off their shoulders. you could see it. all i did was remind them a nonjudgmental environment where they were able to share and find their own solutions, did you see that? they really did the work themselves. they did the work themselves, ijust asked the hard questions. that is what i am taking home, really, there is nothing too difficult to overcome. you just need to talk about it. what would be your one top tip? have a goal together with your significant other.
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if you are not aligned, you will always have challenges. be authentic and align your goals. when you do that, you will live right. that is it from the bbc money clinic in nairobi. across much of england and wales, sunshine and the bond continues, although the sunshine a little bit hazy at times. a slightly different
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story for scotla nd hazy at times. a slightly different story for scotland and northern ireland. this is earlier on in the scottish highlands. that's played second to bring rain. high pressure across much of the country, but i am sure you can see this week front. this is what is generating the cloud and some arabic suffering. the earlier satellite picture tells the story. we had more applied across northern england earlier, breaking to allow some spells of sunshine. mist and low cloud along some of the coast of wales and south—west england, but for much of england and wales, it will be bright with plenty of sunshine. more applied for northern ireland and scotland. then working northwards. temperatures not much higher than 20 will celsius. aberdeenshire getting close to 30 across south—east england. a fine evening. they then confined to the
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far north—west scotland. not quite as mum and muggy as the nightjust gone. temperatures between 11 and i6 celsius. high—pressure is dealt with us celsius. high—pressure is dealt with us tomorrow, so the odd shower for scotland. more applied for scotland and northern ireland. bright and sunny spells, the best of the sunshine again across england and wales, where it will be a fine and dry day. temperatures again close to 30 celsius. a slightly cooler fuel for northern ireland, and particularly the north—west of scotland. that will increase the cloud's strength and the breeze. dry settled and very warm conditions in the south, a real contrast on monday the south, a real contrast on monday the 15th north—west and south—east. then south—eastwards. it may get into the far north of england, but for much of england and wales another fairly dry and warm day.
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temperatures starting to claim again. they may well exceed 30 celsius across east anglia and south—east england. for the middle pa rt south—east england. for the middle part of the week, hoping for rain. been a seychelles, but they might not last for long. the temperatures will start to dip. the south—east finally starting to cool down. this is bbc news — i'm lukwesa burak. the headlines at 2:00pm. two thirds of plastic food containers still can't be recycled. campaigners are calling for action. this report actually is no surprise for us. itjust confirms something we have known for a long time. the producers are putting plastic products on the market without any thought of what happens to them at the end of their life. detectives investigating the disappearance of the midwife samantha eastwood carry out searches in a rural area of stoke—on—trent. spain and portugal could see record temperatures this weekend, as the heatwave continues across parts of the continent.
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here in cordoba, at around midnight last night, it was still 37 degrees. so very uncomfortable conditions, and we expect this hot weather to continue for at least a few days yet. north korea's foreign minister criticises the united states for urging other countries to maintain sanctions

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