Hello and welcome to episode 490 of the Money to the Masses podcast with your resident expert as always, Damien Faye and me. Andy Leakes, Daniel, welcome back. How are you doing? Well, I'm good Andy, but slightly concerned. It's been a bit of a worrying week for everybody at Money to the Masses, hasn't it? Because Lola, we've mentioned Lola for some time who is the, well, she's really a mascot of money to the masses.

I don't see her as often these days with people working from home more often.

But Lola's been a little bit in the wars, isn't she, Andy?

Yeah, so Lola's our pet miniature schnauzer who, during the lockdown period, she kept us all busy and happy going out in the fields and going for lovely walks. And then obviously once things started to return to normal, Lola came into the money to the Masses Tower and became, like you say, a bit of a company mascot and she's been with us ever since. So she had a routine operation but the vet called me to one side when I came to pick her up and said, look, there were a few complications. And I won't go into it because it is quite distressing. But the good news is she's okay, but she's just going to take a little while longer to recover. She's got a big scar. And she's feeling a little bit sorry for herself. She's wearing the cone of shame at the moment to stop her from getting at that wound but yeah she will be okay yeah bless her because

we've seen her on our catch-ups and like you say she's got the the cone of shaman knowing lola

she loves to wander around sniffing that must be driving her insane but the good news is as you

say andy her spirits have picked up and she's on the men so So moving on then what's on this week's show?

We've got quite a lot packed in as usual. So the three pieces we're going to be covering is

bond markets. So bond markets have hit the headlines in recent days and it's even made the news

and the national news, consumer news, which is very unusual.

And I'm going to be explaining what's going on with bond markets and why everybody's suddenly worried about rising bond yields.

What does it mean for you?

And the second piece is in relation to pensions.

I'm going to be inspiring people.

We've covered pensions recently,

but I want to tell people that even if you've got no pension fund at all, whether you're 30, 40 or 50, how you could build a pension pot and how you could retire just by putting £100 a month away.

Now, the final piece, Andy, you're going to be covering is in relation to tax returns.

Yeah, so I'm going to cover a quick checklist of exactly who should be completing the tax

return because it is a little bit confusing. Obviously, people's situations change. And so I'm

going to be going through all the different types of situations where you might need to submit

a tax on, kind of a checklist for people who are new to doing a self-assessment.

And we're doing it this week because you will have enough time to submit that tax return

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