Best Qs Cards Podcasts (2025)

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Ep 504 - Holiday Scams, Tax Code Checks & Direct Debit Warning 31:20

1d ago31:20

31:20

On this week's show, Andy highlights seven of the most prevalent holiday scams to watch out for as summer approaches. Next, Damien takes a look at UK tax codes, explaining how they work, what the letters and numbers mean (eg. 1257L), why they can often be incorrect and the steps you can take if you think your code is wrong. Finally, Damien shares a…

1
Ep 503 - Cut prescription costs, my 10 year portfolio insights & get an energy refund 32:18

9d ago32:18

32:18

On this week's show Damien explains how to cut the cost of prescriptions, particularly for those requiring multiple items or those receiving HRT. Damien then shares some key lessons from successfully managing his £50k investment portfolio over the last 10 years. Finally, Andy explains how the energy payment cycle works and why late spring/early sum…

1
Ep 502 - Changes to Help to Save, the latest on Gold and Warren Buffet insights 32:03

23d ago32:03

32:03

On this week's show Andy explains how the Help to Save scheme works including how you can get a free £1,200 Government bonus. He also discusses the recent changes to eligibility rules that have resulted in over half a million more people now being able to benefit from the scheme. Damien then takes a look at the soaring price of gold, discussing the…

1
Ep 501 - Trade war special 41:38

1M ago41:38

41:38

In this week's podcast, Damien breaks it all down. We explain recent developments (which are changing by the hour), discuss the immediate impact on investments, look at what could unfold in the coming weeks and explain how this might impact your finances. Watch the whole show on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠: Check out this week's ⁠⁠⁠⁠⁠⁠…

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Ep 500 - Celebrating our 500th podcast episode 46:34

1M ago46:34

46:34

This week, Damien and Andy recorded their 500th podcast in Spiritland studios in Kings Cross. In this celebration episode they take a look back at the history of the Money to the Masses podcast and how it has evolved from those early days of recording at Andy's house, late at night trying not to wake his children. They share some happy memories and…

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Ep 499 - Best Stocks & Shares ISAs in 2025, EV tax trick & Double-dipping warning 20:49

2M ago20:49

20:49

On this week's show I reveal the best stocks & shares ISAs in 2025, providing a comprehensive review of the leading investment platforms and trading apps in the UK. I analyse the cheapest managed and self-invested ISAs and provide details on how to get the best cashback and fee-free deals when signing up. I also look at recent performance and how t…

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BONUS PODCAST - How to build the perfect investment portfolio 41:35

2M ago41:35

41:35

In this bonus episode of the Money to the Masses podcast, Damien is joined by Kyle Caldwell, Funds & Investment Education editor at Interactive Investor. During their chat, they discussed the intricacies of building investment portfolios, focusing on key aspects such as diversification, asset allocation and the importance of understanding fund perf…

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Ep 498 - Tax year checklist, Car finance mis-selling update & Chase bank changes 27:05

2M ago27:05

27:05

On this week's show Damien runs through some of the financial planning considerations ahead of the tax year end. He then gives an important update on the car finance mis-selling scandal, including some important dates for your diary. Damien also explains why you might receive a payout without having to do anything. Finally, Andy explains the change…

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Ep 497 - Best ways to boost your pension & Little-known credit card eligibility tip 33:12

2M ago33:12

33:12

On this week's show Damien explains more than 20 ways to boost your pension pot. Damien also discusses why time is running out for some people aged between 40 and 73 who could boost their state pension by paying voluntary National Insurance contributions. Finally, Andy reveals a little-known tip when checking your eligibility for a credit card offe…

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Ep 496 - Investing correlations, cash ISA raid & Moneyhub alternatives 28:54

3M ago28:54

28:54

On this week's episode Damien discusses the importance of understanding the correlation between different asset classes when building a diversified investment or pension portfolio. He then reveals which assets have been the best portfolio diversifiers and performers over the last 5 years. Damien then takes a look at the best Moneyhub alternatives f…

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Ep 495 - Our best, worst, luckiest and unluckiest money decisions 50:01

3M ago50:01

50:01

On this week's episode Damien and Andy talk about their best and worst money decisions ever. They also discuss how good and bad luck have affected their finances at various points in their lives. Most important of all, Damien explains why it's essential everyone acknowledges the good, the bad, the lucky and unlucky decisions they've made if they ar…

1
Ep 494 - Improve your odds of getting a mortgage, maximising pension income & energy price hack 36:16

3M ago36:16

36:16

On this week's episode, we explain how to improve your chances of getting a mortgage. Then, we look at how you can maximise your retirement income by using a combination of annuities and drawdown. Finally, Andy highlights three websites that can help predict upcoming changes to the energy price cap before revealing that it's not too late to fix you…

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Ep 493 - Best investing apps, top banks to switch to & the risks of paying via your banking app 29:59

3M ago29:59

29:59

In this episode Damien provides an in-depth look at the best investment and trading apps for UK investors. He covers a range of scenarios to help listeners/viewers identify the platform that best suits their needs - whether that's a hands-off managed portfolio, a cost-conscious passive approach, or an active stock trading strategy. Next, Andy looks…

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Ep 492 - Investors' behavioural biases, crowdfunding and financial planning week 32:59

4M ago32:59

32:59

On this week's episode, Damien discusses seven of the main behavioural biases that can affect your investment decision making and hurt your investment returns. Damien also explores crowdfunding, the potential rewards, risks and examples of crowdfunding successes and failures. Finally, Andy looks at financial planning week and the free tools and adv…

1
Ep 491 - Should you fix your mortgage, best travel insurance checklist, money q's most get wrong 39:01

4M ago39:01

39:01

On this week's episode, Damien discusses whether you should fix your mortgage or take out a tracker mortgage. He then talks about how to find the best travel insurance for you, including what to look for in a policy and some tips to save money. Finally, Andy revisits the 2024 weekly podcast quizzes, revealing which questions listeners struggled wit…

1
Ep 490 - Turn £100 a month into £37k a year pension, bonds explained & self-assessment check 37:36

4M ago37:36

37:36

In this week's podcast, Damien explains what's going on in bond markets and how rising bond yields could impact your personal finances, including mortgage rates and pension funds. Next, Damien explains how those aged 30, 40 or even 50 with no pension savings, can still build a retirement income equivalent to £37,500 a year (the average UK salary), …

1
Bond problems - Damien's Market Update 7:44

4M ago7:44

7:44

In this month’s #DamiensMarketUpdate, Damien discusses the current state of investment markets, focusing on the downturn in equity markets and rising bond yields.Where to next for 2025 and what do investors need to watch? #Investing #Markets #Finance #GlobalEconomy #StocksPodcasts referenced in this month's show:https://moneytothemasses.com/news/po…

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Ep 489 - Vanguard fee hike and best alternatives, check your credit report for free and tax rules for selling online 28:08

4M ago28:08

28:08

In this week's episode, Damien discusses the recent changes to Vanguard's charging structure and how this will impact investors using its platform. Damien then provides an analysis of the alternative options available, including the cheapest platforms for ISAs, pensions and general investment accounts. Next, Damien explains how you can check your c…

1
Ep 488 - Easy way I made £1k in a year, steps to improve your finances for 2025 & getting the most from MTTM 40:31

4M ago40:31

40:31

In this week's episode, Damien and Andy explain the various ways listeners can get the most out of Money to the Masses, including the Money to the Masses website, our budget planner, Damien's Money MOT tool, savings and mortgage rate tables and various social media channels. Damien then explain how he made over £1,000 in 2024 without even trying. H…

1
Ep 487 - Investment Outlook for 2025 23:04

5M ago23:04

23:04

In this week's episode, Damien discusses the possible investment themes of 2025 as well as investment bank predictions of where stock markets will be at the end of 2025. Watch the whole show on YouTube ⁠⁠here⁠⁠: Check out this week's ⁠⁠podcast article ⁠⁠on the MTTM website to see the full list of resources from this week's show. 00:00 - Introductio…

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Ep 486 - 2024 Highlights 1:05:15

5M ago1:05:15

1:05:15

This week, Damien and Andy are bringing you the best of the best from 2024. An hour long special made up of listener favourites and the most talked about segments Check out this week's ⁠⁠podcast article ⁠⁠on the MTTM website to see the full list of resources from this week's show. Follow Money to the Masses on social media: YouTube - ⁠⁠https://www.…

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Ep 485 - Best budgeting apps 2025, £100k pension pot income & read books and magazines for free 32:09

5M ago32:09

32:09

In this week's episode, Damien provides a roundup of the best budgeting apps available in the UK, highlighting the features, fees and who they might be suitable for. Next, Damien reveals how much income you can get from a £100,000 pension pot. Finally, Damien explains how anyone can download books, magazines, newspapers and even audiobooks for free…

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Trump 2.0 & the Santa Rally - Damien's Market Update 8:04

5M ago8:04

8:04

In this month’s investment market update, Damien explains how Trump's inauguration and the upcoming Santa Rally could impact investment markets as we head into the new year.Where to next and what do investors need to keep an eye on? #Investing #Markets #Finance #GlobalEconomy #StocksPodcasts referenced in this month's show:https://moneytothemasses.…

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Ep 484 - How to spot & avoid the latest top scams: Online, Offline & AI-Powered 37:28

6M ago37:28

37:28

This week's episode is dedicated to scam awareness! Damien and Andy discuss the most common scams around online shopping, deliveries, and social media marketplaces. They also delve into the alarming rise of impersonation scams, including those involving HMRC and winter fuel payments. Finally, Damien and Andy examine the terrifying growth of AI-powe…

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Ep 483 - Trump trade 2.0, unwinding pre-Budget pension withdrawals & energy market update 35:23

6M ago35:23

35:23

In this week's podcast, Damien discusses the potential impact of Donald Trump's return to the presidency on investment markets. Next, Damien explains the implications for those who withdrew tax-free cash from their pensions ahead of the budget, focusing on the potential tax penalties they may face if they try to put the money back into their pensio…

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Ep 482 - Introduction to investing, teaching children about the stock market & mortgage market update 47:16

6M ago47:16

47:16

In this episode Damien provides a guide to investing, sharing simple lessons and strategies that anyone can use to build wealth and even become a millionaire. Damien also discusses an exercise that can be used to teach children about the stock market, investing and the wider economy. Finally, Damien explains what is going on in the mortgage market …

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Ep 481 - How much should be in your pension, merging optimism & pessimism & Winter portfolio update 2024 36:50

6M ago36:50

36:50

In this week's episode, I provide an update on my 'Winter investment portfolio', which uses an investment strategy aimed at capitalising on a seasonal market trend. I reveal how the portfolio has continued to outperform major stock market indices despite being in cash for 50% of the year. I then discuss the "Pension Mirror", a marketing tool create…

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Ep 480 - Autumn 2024 Budget Special 29:53

7M ago29:53

29:53

In this week's episode, Damien and Andy provide a summary of the Autumn 2024 Budget, detailing all of the key announcements and how they are likely to impact you. Make sure that you check out our Autumn 2024 Budget summary article for further details. Watch the whole show on YouTube here: MTTM - Episode 480 Check out this week's podcast article on …

1
Chinese Surprise - Damien's Market Update 7:10

7M ago7:10

7:10

Welcome to Damien's Market Update for October 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets. Remember, you can also watch Damien deliver his monthly insights on our Youtube c…

1
Ep 479 - Mortgage rate analysis and predictions, where next for the price of gold and free water-saving products 29:33

7M ago29:33

29:33

In this week's episode, Damien discusses the latest developments in the mortgage market, explaining the rise in mortgage rates despite the recent cut to the Bank of England base rate. Next, with the price of gold reaching an all-time high, Damien discusses where the gold price might be heading in the future. Finally, Andy explains how listeners can…

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Ep 478 - Future of cash savings, investing in China & new APP fraud refund rules 33:31

7M ago33:31

33:31

In this week's episode, Damien discusses the changing savings market, highlighting the rise of cash savings platforms and investment platforms that now pay market-leading interest rates on cash holdings. Next, Damien talks about the recent rally in the Chinese stock market and explains alternative ways to gain exposure. Finally, Damien explains the…

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Ep 477 - Impact of US election on your investments, ghost broker scams & lost child trust funds 26:22

8M ago26:22

26:22

In this week's episode Damien discusses the potential impact of the upcoming US election on investment markets, including historical trends and why you need to keep an eye on the performance of the S&P 500. Damien then discusses the rise of 'ghost brokers' promising cheap car insurance on social media and provides tips on how to identify and avoid …

1
Ep 476 - Autumn Budget predictions, packaged bank accounts & AI voice scams 37:54

8M ago37:54

37:54

In this week's episode Damien discusses the latest predictions of what might be announced in Labour's Autumn Budget, including capital gains tax and inheritance tax changes. Damien then looks at packaged bank accounts, providing insights into whether they now provide value for money. Finally, Andy covers the emerging threat of AI voice scams and sh…

1
Lessons learnt - Damien's Market Update 9:57

8M ago9:57

9:57

Welcome to Damien's Market Update for September 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets. Remember, you can also watch Damien deliver his monthly insights on our Youtube…

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Ep 475 - Mortgage market latest, fractional shares update & tracing old pension pots 36:44

8M ago36:44

36:44

In this week's episode Damien provides an overview of the mortgage market following the Bank of England's decision to keep the base rate at 5%, including the latest predictions of when rates will be cut further. Next, following HMRC's decision to allow fractional share trading within an ISA, Damien gives an update on the providers that allow you to…

1
Ep 474 - What is happening with savings rates, how to get more than 5% interest & the best savings challenges 36:32

8M ago36:32

36:32

As it's UK Savings Week this week's episode is a savings special. First, Damien discusses the outlook for UK savings rates and how time is running out if you want to secure a good return on your savings. Damien then reveals how you can still get 5% interest or more if you know where to look. Finally, Andy & Damien discuss some fun savings challenge…

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Ep 473 - Exploring the efficient frontier, pension recycling & money mule warning 31:17

8M ago31:17

31:17

In this week's episode Damien explains the concept of the 'efficient frontier' and how it can help investors build a portfolio with the highest possible returns for a given level of risk. Damien also talks about the potential tax implications of pension recycling, a way in which individuals reinvest their tax-free cash or pension income back into a…

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Ep 472 - What to do in a stock market sell-off, share lending explained & too late to fix your energy? 28:55

9M ago28:55

28:55

In this week's podcast Damien discusses stock market sell-offs and how markets typically behave after a slump. Next he explains what stock lending is, how it works and its potential impact on investors. Finally, Andy provides an update on the energy price cap and whether it is too late to fix your energy tariff before prices start rising. Watch the…

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Ep 471 - Investing in physical gold, last-minute holiday T&Cs and Teacher discounts 29:58

9M ago29:58

29:58

In this week's episode, Damien discusses the pros and cons of investing in physical gold, including fractional gold coins and the storage options with the Royal Mint. Damien also explains what you need to look out for in the T&Cs when booking a last-minute holiday. Finally, Andy explains how teachers can now take advantage of the discounts and rewa…

1
Ep 470 - Holiday Special: Travel insurance tips, taking money aborad and summer savings for kids 37:55

9M ago37:55

37:55

In this week's holiday special, Damien provides some important travel insurance tips, highlighting key elements to look for in a travel insurance policy. Damien also reveals the best ways to take money abroad, discussing various spending options, including Curve, Revolut, and Starling Bank. Finally, Andy offers tips for families to save money durin…

1
Ep 469 - Apps scams to avoid & what the Bank of England rate cut means for your money & investments 33:58

10M ago33:58

33:58

In this week's podcast, Damien and Andy discuss the recent interest rate cut by the Bank of England and its impact on savers, borrowers, and investors. They also explore the different phases of the interest rate cycle and how it affects various sectors of the stock market. Additionally, they highlight the importance of being cautious when downloadi…

1
Ep 468 - How often should you review your portfolio, the cost of pension advice & money decision that will help you sleep better 31:21

10M ago31:21

31:21

In this week's podcast Damien discusses the optimal frequency for reviewing and updating an investment portfolio. Damien and Andy then discuss when to seek financial advice, particularly for pensions, including the benefits and typical costs of pension advice. Finally, Damien reveals how regularly saving money, even small amounts, can help improve …

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Is the Trump trade back? - Damien's Market Update 13:18

10M ago13:18

13:18

Welcome to Damien's Market Update for July 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets. Remember, you can also watch Damien deliver his monthly insights on our Youtube chan…

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Ep 467 - New government's impact on your finances, important money steps & when to renew car insurance 25:32

10M ago25:32

25:32

On this week's episode Damien discusses the potential impact of Labour's landslide victory on your finances, including potential changes to taxes and renters' rights. Damien also explores the benefits of making small, positive changes to your personal finances. Finally, Andy reveals the best time to renew your car insurance in order to save money. …

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Ep 466 - Investing in Nvidia, Debt to income ratios & funding later life care 34:29

11M ago34:29

34:29

On this week's episode Damien discusses the skyrocketing share price of Nvidia, the AI chipmaker and its impact on investors' portfolios whether they realise it or not. He also explains how you can manage your exposure. Damien then discusses the importance of debt-to-income ratios for anyone considering a mortgage. Finally, Andy reveals the signifi…

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Ep 465 - How to get on the property ladder, Buy Now Pay Later turmoil & flight compensation rules 43:14

11M ago43:14

43:14

In this week's podcast Damien discusses the various ways to get on the property ladder in 2024. Damien explains the different types of mortgage products that are available for first time buyers as well as the various government schemes. Damien also discusses the collapse of Buy Now, Pay Later firm Laybuy and the implications for customers. Damien t…

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The NBA(European) Draft!!! + Bronny Chase RCs? 59:09

11M ago59:09

59:09

Presented by : Qs Cards We are the #1 online destination for sports cards in Europe, fast shipping, exclusive products and weekly breaks. www.qscards.com Welcome to The Qollectors, a podcast for sports card enthusiasts and collectors from around the world! Join us as we dive deep into the thrilling world of sports cards, sharing their passion, insi…

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Ep 464 - Funding private healthcare, unforeseen risks & time to fix your energy? 37:11

11M ago37:11

37:11

On this week's episode Damien discusses the growing trend of people opting to self-fund private medical care due to long NHS waiting times. Damien then discusses the importance of considering unknown risks when it comes to all aspects of your personal finances. Finally, Andy provides an update on the latest energy prices and whether now is the righ…

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Political shockwaves - Damien's Market Update 5:57

11M ago5:57

5:57

Welcome to Damien's Market Update for June 2024. Every month Damien will be dissecting the market and providing you with his own unique take on what it may mean for you and your investments. Subscribe now for your monthly insight into the Global Investment Markets. Remember, you can also watch Damien deliver his monthly insights on our Youtube chan…

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Ep 463 - Cheapest stock markets 2024, overdraft changes & car insurance must-knows 32:29

11M ago32:29

32:29

On this week's show Damien explains the CAPE measurement and how it could help to identify undervalued stock markets. Damien then discusses the changes being applied to overdraft charges for Lloyds Banking Group customers and the steps they can take. Finally, Andy reveals the key car insurance questions you need to get right. Watch the whole show o…

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