A very warm welcome to consuming issues here on Share Radio. I'm Georgie Frost.

Here every weekday from 9 until 1 with my producer Annie Weston on Digital Online and through the Share Radio Mobile, making

the pound in your pocket go a little bit further. Now this is the time of the week where we

welcome the team from This Is Money, the award-winning financial website and money section of the

mail online. Live into the studio this morning, I've got editor Simon Lambert and journalist

Lee Boyce here to discuss the stories

they've been investigating over the past week that affect the pound in our pockets, including

as Moody's downgrades Tesco's ratings to junk status, can the big supermarkets pull it back from here,

or is this the beginning of the end for the current system? What do they have to do to win us back?

Is it even possible?

Could it be that time to move your bank with a perks on offer?

Should this be your number one financial resolution for 2015?

Also, why dividends are the key to long-term investing?

What indeed are they?

Why do they matter?

And how can you target them

and have savings rates got as bad as they can get? When we see things improve in 2015,

also with SCADA winning car of the year, beating off rivals such as Porsche and Lamborghini

and with new car sales at record 10 year high, we're celebrating our love of our cars and asking today

for memories of your first vehicle. Annie, memories of your first car. I say vehicle because

it may not be a car, it could be a van or, you know, Laurie. I did used to drive a van. I used to

drive a dad's van, actually. It was a Renault van.

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