Do you know what happens to your pension when you die?

It's not quite as straight forward as you might think and there are a few common pitfalls to make sure you avoid.

The latest episode of The Clued-Up Consultant is not live and that's the main topic this week.

Naturally there are also a few topical tangents too.

Check it out, just search The Clued-Up Consultant on apple, spotify or wherever you get your podcasts.

Non compete clauses seem to be on the rise in contracts. Some are reasonable, and some are just taking liberties. We talk about what constitues a reasonable restriction both during and after your contract, and how to navigate this issue. Alan goes off on one about cash v card, and Chris mentions a great website you can use to find lost pensions www.gretel.co.uk

Send your questions, about this topic or about anything related to your businees that you would like us to cover in a future show to pod@bwbtb.co.uk

When you are the business, sickness or injury stops you earning. You dont have the luxury of an employer with a generous sick pay package so how do you make sure you are prepared for the worst? We discuss practical steps that you can take to ensure that if something happens to you, it doesnt result in financial ruin.

It was easy enough when it was just you, you knew how to keep yourself happy. But now you need someone to help manage the load. There are a few things you want to make sure you get right, this ep talks you through the main points to think about before you pull the trigger on employee number 1.

What is it, what do you need to do about it and what happens if you get it wrong. This ep is all about IR35, if you are new to the world of IR35 then this is a great place to start. Even if you are an old hand, there are some really important points covered. If you have any questions send them through to pod@bwbtb.co.uk and we will answer them on a future show.

The guys discuss the steps that you can take to make sure you get paid on time. Spoiler Alert, there is alot you can do to make your life easier.