Toby Hines

Chartered Financial Planner. Based in Cornwall

[Toby Hines @TobyHines]

@TekTytanMike @piersmorgan Brittian?

To be fair, I can forgive that spelling mistake, as even the Declaration of Independence has two Ts incorrectly.

[Toby Hines @TobyHines]

Typical nonsense shared on this app

January isn’t tax on money you haven’t earned. It’s last year’s balance plus a payment on account based on prior profits

Paid at end of Jan, you’re 10 months into the year and only paying 6 months’ worth

You can also request a reduction

[Toby Hines @TobyHines]

@Carl_The_Scorer @Tesco Most won’t do the math. It’s framed to be a better offer than it is and will catch many out who will just see the clubcard offer and make assumptions.

[Toby Hines @TobyHines]

Why is one priced per kg and the other per 100g @Tesco

The bright yellow clubcard price certainly makes it look like it's a great offer when it actually isn't

[Toby Hines @TobyHines]

@ScotSlimmers Yep. I’ve asked their “price integrity manager” to explain that one

[Toby Hines @TobyHines]

@Philipbutcher1 @Tesco I understand what each costs. The point is that it’s framing leads many consumers to buy the more expensive one, thinking they are getting a better deal.

[Toby Hines @TobyHines]

@Tesco Easily happens with X 👍

[Toby Hines @TobyHines]

@Tesco I have

[Toby Hines @TobyHines]

@scottberwick @bob7bob @Tesco I can. Many can’t. That is why it’s done 💁‍♂️

[Toby Hines @TobyHines]

@Tesco Craig - this is interesting reading and is specifically about this type of framing

https://t.co/L33MqlFxfF

[Toby Hines @TobyHines]

@bob7bob @Tesco It really is like a maths exam.

[Toby Hines @TobyHines]

@AdviserPodcast @MavenAdviser @AlanJLSmith @CarlWidger @nicklincoln Today’s meat and potatoes was absolute gold.

I have a white board that is in my eyesight during client video meetings that has suddenly got very busy!

[Toby Hines @TobyHines]

@AlanJLSmith I expect he will soon send you a bill for backdated pocket money when he realises that in real terms, he’s been getting a pocket money pay cut

[Toby Hines @TobyHines]

@AdviserPodcast @nicklincoln @CarlWidger @AlanJLSmith @MavenAdviser No one listens to a podcast like me.

[Toby Hines @TobyHines]

@MavenAdviser @AdviserPodcast @CarlWidger @AlanJLSmith @nicklincoln Thank you for taking a moment out of your day to comment 😀

I’m super excited and cannot wait to get started!

25 years ago I founded a regional newspaper, exiting in 2019, so this was probably an inevitable road once I felt I was fully confident I was ready

[Toby Hines @TobyHines]

@AlanJLSmith @AdviserPodcast @CarlWidger @MavenAdviser @nicklincoln Thank you Alan, me too 😀

[Toby Hines @TobyHines]

@dr_besty @AlanJLSmith Sure, and if you don’t live long enough to enjoy a lengthy retirement?

[Toby Hines @TobyHines]

@Tim_C66 @AlanJLSmith I would not count on any increase to NRB or RNRB.

The rest looks reasonable

[Toby Hines @TobyHines]

@dontdelay * to add - or let your beneficiaries build their own financial security and give some to charity or people less fortunate rather than HMRC.

[Toby Hines @TobyHines]

@dontdelay Spend it. Enjoy it. Live your best life. And if it’s really not needed, maybe gift some of it today and see the joy of brings to the lives of those you care about. .