How many loyalty cards do you have? If you are like me I have a lot. My Costa coffee card, Tesco clubcard etc etc. But it's a real pain carrying them all on me all the time. If I don't I'm bound to end up forgetting to take the right card at the right time and then miss out on my reward points when I make a purchase. Well StoCard have the solution. No more cards, you just need your phone! Find out more with Carl in this weeks episode.

Show notes can be found at www.rtsfinancialplanning.co.uk/category/money-help-podcast/

In this episode Carl discusses the 4 main tax wrappers that investors can use to legally shelter their income and gains from tax. Saving and investing into the right wrappers now could mean that all your income in retirement is tax free.

In this episode Carl reviews two new software providers Onedox and Wonderbill who both aim to aggregate all your household admin into one place. So from your smartphone you will be able to see all your utility bills, when they are due for renewal and even get sent suggested alternatives to save you money. This is exciting software that can save you lots of time and get you super organised.

Show notes available at www.rtsfinancialplanning.co.uk/category/money-help-podcast/

In this episode Carl explains the advantages to being self employed either as a contractor or freelancer. He also looks at the significant downsides and how you can protect yourself as a contractor or freelancer.

 

Show notes can be found at www.rtsfinancialplanning.co.uk/category/money-help-podcast/

In this episode Carl talks about why focusing on the money is never a good reason to start a business. He gives examples of how some successful business leaders started and what their original focus was and also one of the worst examples of financial greed from the banking crises of 2007. 

Show notes will be available shortly at www.rtsfinancialplanning.co.uk/category/money-help-podcast/

If you are like most people you’ve probably had a few different jobs over your working life and with them a few different pensions. In this episode Carl discusses the advantages and disadvantages of consolidating your old pensions into one.

In this episode Carl explains how credit cards can actually be really useful and provide some fantastic benefits and protection.

In this episode Carl explains what a Lasting Power of Attorney actually is and why it’s so important for everyone over the age of 18 to have one. If you lost your mental capacity who would handle your money or care?

In this episode Carl talks about the difference between trading and investing. One method is short term and one is long term. One method is a lot riskier than the other and it’s important you know the risks involved.

In this episode Chartered Financial Planner Carl Roberts explains why as a saver or investor, you need to keep an eye on inflation and beat it. Failure to do this can have a disastrous effect on your long term retirement savings.