Podcasts about Allowance

Have you ever found yourself shopping because you're stressed, anxious, lonely, bored, or overwhelmed? You're not necessarily shopping because you need something. You may be shopping because you're trying to change the way you feel. And while buying something might give you a temporary hit of relief, it doesn't make the emotion go away. Eventually, that feeling comes back—often accompanied by guilt, shame, clutter, financial stress, or regret. And that can send you right back into the emotional shopping cycle. In this episode, I'm sharing a coaching call from inside my Overcoming Overspending community where we dive into why we shop our feelings away—and, more importantly, how to actually feel an uncomfortable emotion without needing to escape it. We cover: Why shopping can become a form of emotional avoidance The hidden emotional "promise" behind the things you buy Why consumer culture teaches us that buying something will make us feel better The emotional shopping avoidance loop and why shopping can actually make the emotion you're avoiding worse The difference between running from your emotions like a sheep and facing them like a buffalo The 3 A's of emotional resilience: Awareness, Allowance, and Autonomy A practical 4-step process for actually feeling your feelings instead of shopping them away Why building your emotional capacity is one of the most powerful ways to change your spending The goal isn't to never feel bored, lonely, anxious, ashamed, or overwhelmed. It's to become someone who can say: I can feel this. I can handle this. And I don't need to buy something to make it go away.   Work with Paige: Watch my free on-demand masterclass: The 3-shifts to go from emotional shopper to financially empowered Join the waitlist for the Overcoming Overspending Book - Out in early 2027 Join Overcoming Overspending HERE   Connect with Paige Online: Her Website IG: @overcoming_overspending TikTok: @overcoming_overspending Subscribe to Paige's YouTube Channel

Pension tax relief is one of the most useful ways to reduce tax while building long-term financial security. It helps taxpayers, business owners, company directors and higher earners make pension contributions more tax-efficiently. The challenge is that pension rules can feel confusing, especially when annual allowance limits, tapered annual allowance, carry forward, relief at source, net pay arrangements and employer contributions all come into the conversation. This episode explains the key ideas in plain English so you can understand what pension tax relief does, why it matters and where planning can make a real difference. About this episode If there was a legal way to pay less tax while building long-term financial security, most people would want to know about it. Pension tax relief does exactly that. In this episode, we look at how pension tax relief works, why it exists, how much you may be able to contribute, what the annual allowance means, what higher earners need to watch, and how carry forward can help you use unused allowances from earlier years. We also look at why employer pension contributions can be especially powerful for limited company directors and owner-managed businesses, and why understanding how your pension scheme gives tax relief matters. Why this matters Pension tax relief exists because the government wants people to save for retirement. The more people save for their own future, the less pressure there is on the state pension system. In simple terms, pension tax relief means some of the money that would otherwise go in tax can instead go into your pension pot. Mahmood describes it as the government helping you fund your future. This makes pensions a powerful part of tax planning. It is not about becoming wealthy overnight. It is about creating options, building financial security and making today's money work harder for tomorrow. For business owners and company directors, this also links naturally to wider tax-efficient reward planning. Our episode on Saving Tax with Company Benefits is a useful follow-on if you want to understand how pension contributions can sit alongside other company benefits. “Some of the money that would otherwise disappear in tax finds its way instead into your pension pot.” Key points from this episode Pension tax relief is not only for wealthy people One of the biggest misunderstandings is that pension tax relief is only useful for high earners. It is not. Pension tax relief is available to millions of ordinary taxpayers. Even if you have little or no earnings, you may still be able to contribute a limited amount into a pension and receive tax relief. The key point is that you do not need to be wealthy to benefit. You need to understand the rules, the limits and how your own pension arrangement works. How much can you contribute? Tax relief on personal pension contributions is generally linked to the lower of two figures: your relevant earnings or your available annual allowance. For many people, that is more than enough room to save tax-efficiently. However, if you are a business owner, company director, higher earner or somebody having a particularly profitable year, it becomes more important to pay attention to the annual allowance. The annual allowance includes your own contributions, employer contributions and contributions made by somebody else on your behalf. It is not a savings target. It is a limit to keep in mind so you avoid unwanted tax consequences. Higher earners and the tapered annual allowance Higher earners need to be particularly careful because the annual allowance may reduce. This is known as the tapered annual allowance. The taper can apply when both threshold income and adjusted income exceed certain levels. When that happens, the annual allowance can reduce, which means pension planning becomes more important. Large bonuses, dividend payments and employer pension contributions can all affect the calculation. That is why protective planning matters. The higher your income, the more important it becomes to check the numbers before making decisions. This connects with wider owner-director planning. Our episode on Dividends Explained: What They Are, Why They Matter and How to Pay Them is useful if you want to understand how dividends fit into director reward and tax planning. Carry forward can help you use earlier unused allowances Carry forward is a pension rule that many people overlook. If you have not used all your annual allowances during the previous three tax years, you may be able to bring unused allowances forward and use them now. Mahmood compares this to unused luggage allowance on a flight. Instead of wasting it, you may be able to use it later. Carry forward can be especially useful if your business has had a strong year, you have received a large bonus, you have received a redundancy payment, or retirement is approaching and you want to boost your pension quickly. Employer pension contributions can be powerful for business owners If you run a limited company, employer pension contributions deserve close attention. Employer pension contributions can be one of the most tax-efficient ways to move money from your business into your personal wealth. Unlike personal contributions, employer contributions are not limited by your personal earnings level, although they still count towards your annual allowance. That is why directors and owner-managed businesses often use pension contributions as part of a wider remuneration strategy. Done correctly, pension contributions can benefit both the business and the individual. They are not just pension payments. They can be part of a wider plan for extracting value from the company tax-efficiently. Relief at source and net pay arrangements Not all pension schemes deliver tax relief in the same way. Two common methods are relief at source and net pay arrangements. With relief at source, which is common with personal pensions, you pay contributions from income after tax. The pension provider claims basic rate tax relief from HMRC and adds it to your pension pot. If you are a higher-rate taxpayer, you may need to claim additional relief yourself, often through Self Assessment. With a net pay arrangement, often used by workplace pensions, contributions are taken from salary before Income Tax is calculated. Tax relief is then received through payroll, and no extra claim is normally required. The practical lesson is simple: know which method your pension scheme uses so you do not miss tax relief you are entitled to. Emma's pension tax relief example Mahmood uses Emma to show how powerful pension tax relief can be. Emma contributes £300 a month into her pension. Over a year, that is £3,600 from her own pocket. Under a relief at source arrangement, the pension contribution is treated as having basic rate tax added back, so the pension contribution becomes £4,500. The pension provider claims £900 from HMRC. If Emma is a higher-rate taxpayer, her total tax relief entitlement may be higher, and she may be able to claim the remaining relief through her tax return. For a higher-rate taxpayer in Mahmood's example, a pension contribution worth £4,500 has effectively cost £2,700 after the extra relief is claimed. That is the power of pension tax relief in action. FAQs What is pension tax relief? Pension tax relief is a government incentive that helps money go into your pension more tax-efficiently. In simple terms, some of the money that would otherwise go in tax can instead help build your retirement savings. What is the pension annual allowance? The annual allowance is the maximum amount that can generally go into your pension in a tax year while still benefiting from tax advantages. It includes personal contributions, employer contributions and third-party contributions. What is the tapered annual allowance? The tapered annual allowance is a reduced annual allowance that can apply to higher earners. If your income is high enough, your annual allowance may shrink, which can create unexpected tax consequences if not planned properly. What does carry forward mean for pensions? Carry forward allows you to use unused annual allowance from the previous three tax years, if the rules are met. It can be especially useful after a strong business year, a large bonus, redundancy payment or when retirement is approaching. Why are employer pension contributions useful for company directors? Employer pension contributions can help company...

Daniel H. Pink desmonta un mito cómodo: las zanahorias y los palos no impulsan el trabajo que hoy más importa. En tareas creativas y de resolución de problemas, los incentivos “si-entonces” estrechan el foco y pueden empeorar el desempeño; el célebre “problema de la vela” lo demuestra. El dinero sí cuenta, pero solo hasta un umbral de suficiencia: a partir de ahí, se vuelve un básico higiénico y la verdadera chispa nace dentro.¿De dónde sale entonces esa chispa? De la tríada autonomía, maestría y propósito. Con ellos, equipos despegan: Wikipedia supera a Encarta por sentido y comunidad; los “FedEx Days” y el 20% de tiempo destapan innovaciones reales; metas de aprendizaje, feedback frecuente y retos en la “zona Ricitos de Oro” disparan el flujo. Un pequeño giro de propósito multiplicó la recaudación de un call center sin tocar sueldos. La invitación es provocadora: paga justo, suelta el control, mide progreso… y observa qué pasa cuando la gente trabaja por algo que realmente le importa.Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeLibro "Libertad Financiera" Gratis: https://borjagiron.com/libertadMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.comThis content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

Question: When will a first application usually be granted a Notice of Allowance and become a patent despite a second application with interfering claims? Answer: A first application will usually be granted a Notice of Allowance and become a patent (in spite of a second application with interfering claims) when all of the following conditions […] The post MPEP Q & A 360: When will a first application usually be granted a Notice of Allowance despite a second application with interfering claims? appeared first on Patent Education Series.

¿Eres ese técnico brillante que se lanzó por su cuenta y ahora vive apagando fuegos? El mito del emprendedor de Michael E. Gerber te muestra por qué tantos negocios se atoran: confundir el “hacer” con el “construir”. Descubrirás a los tres personajes que conviven en todo fundador (Técnico, Gerente y Emprendedor) y por qué, si manda el primero, no tienes empresa, tienes un autoempleo frágil. La clave: trabajar sobre el negocio, no solo dentro de él. Pensar como si fueras a franquiciar, traducir promesas al cliente en procesos replicables y convertir el caos en consistencia. Historias como la de Sarah, la pastelera, o la clínica dental dejan claro cómo pasar del agotamiento a la tranquilidad con sistemas sencillos.Este episodio te guía para definir tu Objetivo Primario (la vida que quieres y el papel del negocio), diseñar un organigrama aunque estés solo y aplicar el tridente que cambia todo: innovar, cuantificar y orquestar. Si te suena eso de delegar, entrar en caos y volver a hacerlo todo tú, aquí verás cómo salir de la “adolescencia” empresarial. Es difícil escucharlo y no bloquear un rato en la agenda para documentar tu primera experiencia clave del cliente y medir su impacto. ¿Listo para que tu empresa funcione incluso cuando no estás?Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeLibro "Libertad Financiera" Gratis: https://borjagiron.com/libertadMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.comThis content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

Side hustle tax questions often start small. You sell clothes on Vinted, list items on eBay, rent a room through Airbnb, freelance online, create content, or take on local work. Money comes in, and the business problem becomes simple: do you need to tell HMRC, and does the £1,000 trading allowance apply? This episode helps side hustlers, online sellers, freelancers and people with occasional trading income understand the difference between tax, reporting, records and platform data before assumptions create stress. About this episode Extra income is easier to earn than ever. You might sell unwanted items online, rent out accommodation, deliver food, drive passengers, create content, offer freelance services, or provide local help such as gardening. What starts as a hobby or occasional activity can gradually become regular income. That is when the tax questions begin. HMRC is not especially interested in what you call the activity. The important question is whether there is taxable income and whether reporting is required. We look at side hustles, online selling, the trading allowance, HMRC reporting, digital platform data, personal possessions, business records, and why headlines about a future £3,000 reporting threshold need to be understood carefully. Why this matters Many people assume that small amounts of online or side hustle income do not matter. Others assume that if a platform reports information to HMRC, tax is automatically due. Both assumptions can be wrong. The key is understanding the difference between trading income, personal items, reporting thresholds, tax thresholds and records. If you know where you stand, you can make better decisions, avoid unnecessary panic and reduce the risk of missing something important. This is also part of a wider HMRC shift towards digital information and online platform reporting. Our episode on HMRC's Invisible Crackdown: What Business Owners Need to Know is a useful follow-on if you want to understand how HMRC uses data and records. Key points from this episode Side hustle income can take many forms Side hustle income is not limited to one type of work. It can include online selling, freelance work, delivery income, driving, content creation, renting out space, hiring out equipment, local services, or occasional trading. The label does not decide the tax position. Calling something a hobby, side hustle, part-time activity or occasional income does not automatically take it outside HMRC's interest. If the activity creates taxable income, the tax question needs to be considered. The £3,000 proposal is not a new tax-free allowance There has been confusion around government plans to increase the Self Assessment reporting threshold for trading income. The proposal is to raise the reporting threshold to £3,000 during the current parliament. That does not mean the trading allowance is increasing to £3,000. The trading allowance remains £1,000. That distinction matters. Less paperwork does not automatically mean less tax. Under future rules, some people may have a simpler way to report income, but tax could still be due depending on the facts. “Just because less paperwork is required, it doesn't automatically mean less tax is payable.” What is the trading allowance? The trading allowance gives individuals up to £1,000 of trading income each tax year. If your gross trading income is £1,000 or less, and there are no other reporting obligations, that may be the end of the matter. Once income moves beyond that level, we need to look more carefully at reporting, taxable profit, expenses and whether the allowance is the best option. For a broader foundation on self-employed tax, registration, expenses and record keeping, our episode on Tax basics for self employed: What You Need to Know gives a useful next step. How to calculate taxable profit When income exceeds the trading allowance, there are generally two ways to calculate taxable profit. The first is the traditional profit calculation method. You take your income, subtract allowable business expenses, and the remaining amount is your profit. The second is to claim the £1,000 trading allowance instead of actual expenses. This is known as partial relief. You deduct £1,000 from your trading income, but you do not also claim your actual expenses. Which method is better depends on the numbers. If your side hustle income is £5,000 and your expenses are £400, the trading allowance may give a lower taxable profit. If your income is £5,000 and your expenses are £1,800, claiming actual expenses may be better. The practical lesson is simple: compare both methods before deciding. The trading allowance has limits The trading allowance is useful, but it is not a magic tax wand. It can reduce profits to zero, but it cannot create a loss. This matters because trading losses can sometimes be valuable, depending on your circumstances. If your income is low and expenses are high, claiming the allowance may remove the ability to record a tax loss. The allowance also applies to combined trading activities. If you freelance and separately sell products online, you do not get a separate £1,000 allowance for each activity. It is one person, one allowance, not one allowance per side hustle. There are also restrictions where income comes from certain connected companies, connected parties, employers, or a spouse or civil partner's employer. Tax rules are rarely as simple as social media headlines make them sound. Online platforms and HMRC reporting One of the biggest myths is that online income stays invisible. Increasingly, that is not true. Digital platforms may need to collect and report seller information to HMRC under platform reporting rules. That can include platforms used for online selling, accommodation, freelancing, delivery work or content-based income. However, platform reporting thresholds are not tax thresholds. Someone can be reported to HMRC and owe no tax. Someone else could owe tax without triggering a platform report. The report tells HMRC about activity. It does not, by itself, decide whether tax is due. Selling personal possessions is different from trading Selling unwanted personal items is not the same as buying items with the intention of selling them for profit. If you are clearing out your wardrobe and selling old clothes, that is different from regularly buying stock to sell online. HMRC looks at the nature of the activity. Intent matters. Frequency matters. Profit motive matters. This is where the badges of trade become relevant. Good records reduce stress If there is one practical takeaway, it is this: keep good records. Track money coming in, expenses, dates, receipts, platform statements and supporting information. Good records help you decide whether tax is payable, support allowable deductions and reduce anxiety if questions are asked later. Tax becomes harder when records are poor. The problem is often not that the numbers are complicated. The problem is that the information is missing. For practical support on building better records, our episode on Bookkeeping for Small Business explains why records tell the real story behind your numbers. FAQs Do I need to tell HMRC about my side hustle? You may need to tell HMRC if your total trading income is more than the trading allowance or if other reporting obligations apply. The answer depends on the facts, the amount earned, the type of activity and whether it is genuinely trading income. Is the trading allowance increasing to £3,000? No. The planned £3,000 change relates to the Self Assessment reporting threshold, not the trading allowance itself. The trading allowance remains £1,000. Do I get a separate £1,000 allowance for each side hustle? No. The trading allowance applies across combined trading activities. It is one allowance per person, not one allowance per activity. Does an online platform report mean I owe tax? No. A platform report does not automatically mean tax is due. It means information may have been reported. Whether tax is due depends on the underlying activity, income, expenses, allowances and your wider tax position. Is selling old clothes online taxable? Selling unwanted personal possessions is different from trading. If you are...

¿Y si el secreto del éxito no fuera lo que haces ni cómo lo haces, sino por qué lo haces? Este episodio condensa Start with Why de Simon Sinek en una invitación a replantearte tu negocio y tu carrera desde la raíz. A través del Círculo Dorado (Porqué–Cómo–Qué), verás por qué marcas como Apple o tribus como la de Harley-Davidson inspiran lealtad más allá de productos, y cómo líderes como Martin Luther King movilizaron a millones empezando por una causa, no por un plan. El porqué conecta con identidad y emoción, atrae a los primeros seguidores correctos, y sirve de filtro para decisiones difíciles cuando aparecen “oportunidades” que desvían el rumbo.Lo mejor: no es teoría etérea. El episodio baja a tierra con ejemplos cotidianos (de una panadería artesanal a un freelance de marketing), te muestra cómo el porqué permanece mientras evolucionan cómos y qués, y te da un mini‑guion de acción para descubrir tu causa, comunicar desde dentro hacia fuera y alinear equipo, oferta y comunicación. Si alguna vez has recomendado una marca que ni era la más barata ni la más potente, este resumen te hará entender por qué… y cómo provocar ese efecto en los demás.Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeLibro "Libertad Financiera" Gratis: https://borjagiron.com/libertadMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.comThis content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

Louth Councillors have backed calls for the Government to introduce a Waste Collection Allowance. This would be used to help vulnerable households cope with rising recycling costs. With more on this Anton was joined on the show by Ciaran Fisher is an Independent Councillor for the Dundalk-Carlingford area.

Louth Councillors have backed calls for the Government to introduce a Waste Collection Allowance. This would be used to help vulnerable households cope with rising recycling costs. With more on this Anton was joined on the show by Ciaran Fisher is an Independent Councillor for the Dundalk-Carlingford area.

The Following episode is from a New Investigatory series, TDP is doing on Location, AT the scene of where each event took place. This Time, Were headed to The Most Haunted road in New England, Dudley Road in Billerica massachusetts to hear an Encounter by a Young Couple, WHo wish to remain anonomous...We have changed their names and hidden thier identiies after they were harrased for participating in the episode....this is their storyTDP Website: www.TotalDisclosure.Co 

¿Qué pasaría si tu mente no estuviera hecha para recordar, sino para crear? Este episodio resume Organízate con eficacia de David Allen y te muestra cómo vaciar tu cabeza en un sistema fiable, decidir siempre el siguiente paso y trabajar con menos estrés y más resultados. Con la regla de los dos minutos, listas por contextos y la distinción entre proyectos y acciones, el caos se convierte en claridad accionable desde hoy.Verás casos reales que enganchan: un directivo que bajó su ansiedad al ver por fin su inventario completo, una freelance que llevó su bandeja de entrada a cero en semanas y una ejecutiva que convirtió aeropuertos en horas productivas. Si quieres una “mente como el agua”, aquí tienes las llaves: capturar, aclarar, organizar, revisar y hacer, con un calendario sagrado y una Revisión Semanal que te devuelve el control. “Tu mente está para tener ideas, no para retenerlas.” ¿Listo para comprobarlo?Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeLibro "Libertad Financiera" Gratis: https://borjagiron.com/libertadMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.comThis content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

#MovieChat AND #SportChat with cinemas making bank over the weekend (while the Broncos and Lions both lost); Misheard Mondays; what have you never grown out of and Allowances To Kids - Yay Or Nay?See omnystudio.com/listener for privacy information.

¿Qué pasaría si el 80% de tus resultados dependiera solo del 20% de lo que haces? Este episodio de Grandes Aprendizajes destila El principio 80/20 de Richard Koch en tácticas claras: detectar con datos tus “pocos vitales”, eliminar sin culpa el “mucho trivial”, mimar a tus clientes A, blindar bloques de trabajo profundo, accionar pequeñas palancas con efecto dominó y simplificar para convertir más. La promesa: menos ruido, más impacto.Con casos reales —productos que sostienen casi todo el margen, agencias que duplican beneficios al recortar su oferta, profesionales que avanzan más bloqueando dos horas al día— el episodio te guía a medir, iterar y escalar lo que ya funciona sin disparar costes. Cierra con un mini plan 80/20 para aplicar hoy y una frase final que te hará replantearte tu agenda. ¿Listo para elegir tus pocos vitales y soltar el resto?Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeLibro "Libertad Financiera" Gratis: https://borjagiron.com/libertadMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.comThis content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

From clairvoyant channelling and sacred geometry to black projects and extraterrestrial encounters, Michael Roser has spent over three decades crossing the threshold into the unknown. He didn't just study the esoteric; he lived it. After a television deal collapsed under a string of bizarre, unfortunate events in the field, Michael took the moniker DarkHour Paranormal underground—forging a path through talk radio to bring the world's most anomalous mysteries into the light. Now, as a core voice behind ThirdPhaseOfMoon, ThirdPhaseUFO Report, and Dr. J Radio Live, this certified Reiki healer, amateur archaeologist, and boots-on-the-ground researcher brings unparalleled clarity and critical analysis to the fringe.TDP Website: www.TotalDisclosure.Co 

Este episodio destila “La ciencia de la autodisciplina” de Peter Hollins en un mapa claro para dejar de depender de la motivación y funcionar con sistemas. Descubrirás cómo decidir por anticipado, aplicar planes si–entonces y firmar tu propio Pacto de Ulises para no caer en el “luego”. Además, aprenderás a jugar con las fricciones, proteger rachas visibles y actuar desde la identidad: no “quiero correr”, sino “soy alguien que corre aunque llueva”.Con casos reales y un plan de arranque en cinco pasos, verás cómo anclas de 10 minutos, recompensas inmediatas y tentaciones emparejadas disparan la constancia. Hay historias que enganchan—del freelance que entregó antes de plazo al programador que convirtió la documentación en un momento deseado—y un reto práctico para empezar hoy mismo. ¿Listo para atarte al mástil y dejar de negociar con tus metas?Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support.Newsletter Marketing Radical: https://marketingradical.substack.com/welcomeNewsletter Negocios con IA: https://negociosconia.substack.com/welcomeLibro "Libertad Financiera" Gratis: https://borjagiron.com/libertadMis Libros: https://borjagiron.com/librosSysteme Gratis: https://borjagiron.com/systemeSysteme 30% dto: https://borjagiron.com/systeme30Manychat Gratis: https://borjagiron.com/manychatMetricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricoolNoticias Redes Sociales: https://redessocialeshoy.comNoticias IA: https://inteligenciaartificialhoy.comClub: https://triunfers.comThis content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

Este episodio de Grandes Aprendizajes destila en pocas ideas potentes el corazón de “La magia de pensar en grande”: tus resultados rara vez superan el tamaño de tus pensamientos. Aquí aprendes a vacunar la excusitis, elegir metas ambiciosas que te obliguen a descubrir caminos nuevos, elevar estándares “de primera clase”, cuidar tu entorno como un jardinero y construir microhábitos que sostienen la ambición diaria. Con historias cortas y concretas, verás cómo un vendedor duplicó clientes al dejar de culpar a la “mala plaza”, cómo un gerente que apuntó al 20% inventó estrategias frescas y cómo un diseñador rompió su techo al reetiquetar su servicio y subir el valor. El episodio cierra con una frase que se te queda rondando todo el día y una acción simple para empezar hoy. ¿Listo para cambiar lo de fuera empezando por lo de dentro? Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support. Newsletter Marketing Radical: https://marketingradical.substack.com/welcome Newsletter Negocios con IA: https://negociosconia.substack.com/welcome Libro "Libertad Financiera" Gratis: https://borjagiron.com/libertad Mis Libros: https://borjagiron.com/libros Systeme Gratis: https://borjagiron.com/systeme Systeme 30% dto: https://borjagiron.com/systeme30 Manychat Gratis: https://borjagiron.com/manychat Metricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricool Noticias Redes Sociales: https://redessocialeshoy.com Noticias IA: https://inteligenciaartificialhoy.com Club: https://triunfers.com This content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

Timestamp for Sport of Kings Episode 371, sponsored by AmWager. Host Christopher Larmey is joined by special guest Jackson Muniz, the NYRA Contest Specialist, for a detailed discussion for a detailed discussion about the G1 CCA Oaks and races 8-12 at Saratoga on Saturday, July 25th. 2 – Introduction 4 – Saratoga Wagering / CAWs 5– Betting Approach  22 – Sar Race 8  33 – Sar Race 9 (G2 Vanderbilt Stakes) 37 – Sar Race 10 (G1 CCA Oaks)  45 – Sar Race 11 (Allowance) 53 – Sar Race 12 (MCL) 1:09 – Spot Play, Sar Race 6

Morning Focus was broadcasting live from Lahinch Prom for the penultimate leg of Alan Morrissey's Summer Tour. Firstly, Alan spoke to Tony Neville, Senior Executive Engineer/Senior Engineer, and Conor Leyden, Rural & Community Development Officer, about the works that have been done around Lahinch and the wider area, especially considering the exceptional weather we've been having. Clare FM's Daragh Dolan brought us the latest updates from Killaloe MD's latest council meeting, mainly focusing on the traffic concerns of locals and potential enforcement strategies. Cara McInerney, Seasonal Beach Operative, and Vinnie Leigh, Traffic Warden/Hub Caretaker, spoke to Alan about the fabulous beach facilities in Lahinch, and the work that goes into their maintenance. Alan leant about the importance of rocks for both tourism and the environment from Dr. Eamon Doyle, Geologist for the Burren and Cliffs of Moher UNESCO Global Geopark. Melanie Lennon, Sales & Marketing Manager with Clare Tourism Development DAC, and John Gleeson, Lahinch Golf Club Captain 2026, took Alan through the world class golfing facilities in Lahinch, and the benefits they bring for local tourism. Dora Gola serenaded Alan with a song, accompanied by Michéal Power on the guitar, after sharing her upcoming shows and projects. Our Friday Panel (John Wall and Ben Bennett) discussed Kilrush's distance from an ED, Budget 2027, the clampdown on people living on Jobseeker's Allowance, and their favourite things about Lahinch. Finally, to take us into the weekend, Derrick Lynch brought us his preview for this weekend's sporting fixtures. Photos (c) Clare FM

Should back-to-school allowance be for every family… or only those who pass the means test?Adrian and Jeremy tear into a message from James, a Dad of four who says it's “all or nothing”: if low-paid families get the Back to School Clothing and Footwear Allowance, why shouldn't everyone? Jeremy reckons working families are being punished, while Adrian says it's there for people who genuinely need it.

Join Ty from Total Disclosure and author Peter Mews for a rapid-fire New England folklore discussion. Get direct answers on regional legends and historical mysteries. This session features an intense exchange between Ty and Peter Mews, focusing on the specific anomalies found within New England folklore. Whether you are a dedicated researcher or just curious about regional history, this conversation strips away the fluff to focus on the core details of these mysterious accounts.By engaging with this folklore discussion, you gain perspective on the research methods Peter Mews uses to document his findings. We break down the realities of the field, offering a grounded approach to understanding what exists beyond the mainstream narrative. This is essential viewing for anyone tracking the latest developments in paranormal research. TDP Website: www.TotalDisclosure.CoFOLLOW PETER MUISE' BLOG: https://newenglandfolklore.blogspot.com/

Figures showing that more than 6,300 people in Ireland have been receiving Jobseeker's Allowance for over 10 years have prompted calls from Aontú for a review of how long-term unemployment is addressed.     The party says social welfare must remain a safety net while also ensuring that people who can work are supported and encouraged to return to employment.     Alan Morrissey has been speaking with Clare Aontú representative June Dillon about the figures, how long-term claims should be assessed, and what changes she believes are needed. Photo (c) kamitana from Kamitana_studio via Canva

Este episodio de Grandes Aprendizajes destila en pocas ideas potentes el corazón de “La magia de pensar en grande”: tus resultados rara vez superan el tamaño de tus pensamientos. Aquí aprendes a vacunar la excusitis, elegir metas ambiciosas que te obliguen a descubrir caminos nuevos, elevar estándares “de primera clase”, cuidar tu entorno como un jardinero y construir microhábitos que sostienen la ambición diaria. Con historias cortas y concretas, verás cómo un vendedor duplicó clientes al dejar de culpar a la “mala plaza”, cómo un gerente que apuntó al 20% inventó estrategias frescas y cómo un diseñador rompió su techo al reetiquetar su servicio y subir el valor. El episodio cierra con una frase que se te queda rondando todo el día y una acción simple para empezar hoy. ¿Listo para cambiar lo de fuera empezando por lo de dentro? Conviértete en un supporter de este podcast: https://www.spreaker.com/podcast/grandes-aprendizajes--5720587/support. Newsletter Marketing Radical: https://marketingradical.substack.com/welcome Newsletter Negocios con IA: https://negociosconia.substack.com/welcome Libro "Libertad Financiera" Gratis: https://borjagiron.com/libertad Mis Libros: https://borjagiron.com/libros Systeme Gratis: https://borjagiron.com/systeme Systeme 30% dto: https://borjagiron.com/systeme30 Manychat Gratis: https://borjagiron.com/manychat Metricool 30 días Gratis Plan Premium (Usa cupón BORJA30): https://borjagiron.com/metricool Noticias Redes Sociales: https://redessocialeshoy.com Noticias IA: https://inteligenciaartificialhoy.com Club: https://triunfers.com This content is under Fair Use: Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship and research. Fair Use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. I do not own the original content. All rights and credit go to its rightful owners. No copyright infringement intended.

Did the Apollo missions really end because of budget cuts, or were we told to stay away by Aliens and UFOs Stationed on the Moon? In this live episode of The Total Disclosure Podcast, we sit down with an expert in astronomy to dive deep into the ultimate lunar mysteries. From rumored non-human intelligence (NHI) operating on the far side of the moon to the theory that our satellite is being used as an alien relay base, we separate scientific anomalies from top-secret lore. We explore: • The strange geometric anomalies captured in lunar photography. • Why the United States abruptly halted manned Apollo missions. • The "Dark Side" relay base theory and how secret operations could hide in plain sight. • What mainstream astronomy says about the Moon's strangest mysteries. Get ready for an unfiltered look into what is truly happening above our heads. 

According to figures released by the Department of Social Proetction to Aontú Leader Peadar Tóibín. There are nearly 6500 people on Jobseeker's Allowance for a decade or more. This has cost an estimated €800m to the Irish taxpayer. How long is too long to spend on the dole? We get reaction to these figures with Peadar Tóibín.

Timestamp for Sport of Kings Episode 370, sponsored by AmWager. Host Christopher Larmey is joined by special guest from the Daily Racing Form, Peter Smeding, for a detailed discussion about the G1 Haskell Stakes at Monmouth Park and the G1 Diana stakes and other selected races at Saratoga on Saturday, July 18th. 2 – Introduction 4 – Saratoga Wagering / CAWs 12 – Betting Approach (Pete's Saratoga Challenge) 28 – Sar Race 5 (G1 Diana Stakes)  38 – Sar Race 8 (G3 Coronation Stakes) 48 – Mth Race 14 (G1 Haskell Stakes)  1:14 – Sar Race 11 (Allowance) 1:18 – Sar Race 12 (MSW)

The Legal Aid Society, Empire Justice Center, Bond, Schoeneck & King PLLC (Bond), and Hughes Hubbard have filed a class-action lawsuit against the New York State Office of Temporary and Disability Assistance (OTDA). The lawsuit, filed on behalf of individuals and families from both New York City and upstate New York, challenges the State's public assistance shelter allowance schedule, which is set in regulation by OTDA and which has remained unchanged for decades despite skyrocketing housing costs, driving tens of thousands of New Yorkers into homelessness. Attornies Susan Antos and Haley Kulakowski talk with Mark Dunlea for Hudson Mohawk Magazine.

Timestamp for Sport of Kings Episode 369, sponsored by AmWager. Host Christopher Larmey is joined by special guest, Ryan Flanders, founder of TripNotePros, for a detailed discussion about races 7-11 at Saratoga on Saturday, July 11th, 2026, which includes the G2 Bowling Green Stakes. 2 – Introduction 20 – Sar Wagering / CAWs 22 – Sar Race 7 (Allowance) 34 – Sar Race 8 (Allowance) 48 – Sar Race 9 (Allowance) 55 – Sar Race 10 (G2 Bowling Green Stakes)  1:07 – Sar Race 11 (MSW) 1:18 – Wagering Approach

This month Tim is joined by Imogen Sara Smith to discuss Buster Keaton's The General (1926). –––––––––––––––––––––––––––––– The General is no =95 on the Sight & Sound critic's list. –––––––––––––––––––––––––––––– Hosted by Tim Coleman. A Moving Pictures Film Club podcast. You can sign up to our Patreon channel here for just £1/$1 pm. Alternatively you can make a donation to the runnning costs of the pod via Buy Me A Coffee here. Theme music by The Gideon Complex - recorded by FrEQ Audio Recordings. Bluesky: @top100pod.bsky.social  Instagram: @thetop100pod Letterboxd: The Top 100 Email: top100pod@gmail.com –––––––––––––––––––––––––––––– Additional music: Creative Commons — Attribution 3.0 Unported — CC BY 3.0.Music promoted by Copyright Free Music - Background Music For Videos

The DRF Wednesday Race of the Day for July 8 is Race 6 at Delaware Park, an Allowance. Our analysts Ashley Mailloux and David Aragona handicap the full field and offer their picks. This preview is presented by Morning Line. Learn more at morningline.io

The DRF Thursday Race of the Day for July 9 is Race 6 at Saratoga, an Allowance. Our analysts Ashley Mailloux and David Aragona handicap the full field and offer their picks. This preview is presented by Morning Line. Learn more at morningline.io

Kyle Knopp is a Space and Aerospace Technician and Radar Electronics Mechanic with the United States Space Force at Hurlburt Field, Florida. A U.S. Air Force veteran (2008–2016), he specialized in aircraft maintenance, communications, navigation, and radar systems. He later worked at Lockheed Martin before returning to government service with the Space Force, where he maintains an active Secret security clearance. Kyle shares his raw, firsthand account of a personal sighting of an unidentified triangular craft — told straight, with zero speculation or filler. Pure witness experience. #ufos #aliens #TotalDisclosureFOLLOW KYLE ON LINKED IN: https://www.linkedin.com/in/kyle-knopp-a3b214123/ ON X: https://x.com/Spectrum_GunsTDP Website: www.TotalDisclosure.Co 

Timestamp for Sport of Kings Episode 368, sponsored by AmWager. Host Christopher Larmey is joined by special guest, Matt Bernier, NBC Racing Analyst, for a detailed discussion about races 5-9 at Saratoga on Saturday, July 4th, 2026, which includes the G1 Belmont Derby and Oaks.   2 – Introduction 18 – Sar Wagering / CAWs 21 – Sar Race 5 (G3 Sanford Stakes) 32 – Sar Race 6 (Allowance) 48 – Sar Race 7 (G1 Belmont Oaks) 1:00 – Sar Race 8 (G2 Suburban Stakes)  1:15 – Sar Race 9 (G1 Belmont Derby) 1:29 – Best Wagers

Carer's Allowance changes and a reduced 9% VAT rate for the food, catering, and hairdressing sectors are on the menu for PJ's chat with Jerry Buttimer TD. Oh, and a bit of USC as well! Hosted on Acast. See acast.com/privacy for more information.

The DRF Thursday Race of the Day for July 2 is Race 7 at Colonial Downs, an Allowance. Our analysts David Aragona and Mike Beer handicap the full field and offer their picks. This preview is presented by Morning Line. Learn more at morningline.io

If you're a salesman seeking help to better your career, book your 1 on 1, contact me Kyle Galaz through Instagram DM or Facebook Messenger.Buy Kyle A Coffee☕️: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://buymeacoffee.com/poor2pro⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podcast Link: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://open.spotify.com/show/3J9uZkNdeue1PVLoQLowgy⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

The DRF Tuesday Race of the Day for June 30 is Race 5 at Assiniboia Downs, an Allowance. Our analyst Ashley Mailloux handicaps the full field and offers her picks. This preview is presented by Morning Line. Learn more at morningline.io

KIM, Or as shes known In and Around Salem- 'Lady Steel' sits down with TY and EXPLAINS WITCHCRAFT in Massachusetts ON LOCATION IN SALEM MASSACHUSETTS AT THE WITCHES MEMORIAL. This is Where the Graves of the Victims Are on Display for the Public. A special thanks to the shop "pentagram" for allowing us to use their space.PENTAGRAM WITCH SHOPPE IN SALEM TDP Website: https://totaldisclosurepodcast.podview.com/ 

MUFON MEDIA Director Ron James| Accidental Truth: Next Is featured on this live Episode of Total Disclosure. Ron just released his new film, and sequel “Accidental Truth: Next” available on Amazon, and Apple for purchase or rent.WATCH "ACCIDENTAL TRUTH: NEXT" ON APPLE: https://tv.apple.com/us/movie/accidental-truth-next-beyond-ufo-disclosure/umc.cmc.2q6ap7pfj8elqrp3ih7qvjx2mTDP Website: https://totaldisclosurepodcast.podview.com/

In this riveting episode, we sit down with Luigi Venditelli— director and creator of the acclaimed 2026 documentary S4: The Bob Lazar Story — to dive deep into one of ufology's most explosive and enduring cases. From his early days as MUFON's youngest investigator to a multi-year journey working hand-in-hand with Bob Lazar himself, Luigi shares behind-the-scenes stories, never-before-heard details, and the forensic reconstruction of the S4 facility hidden inside Papoose Mountain. Whether you're new to the Bob Lazar saga or a longtime skeptic, this conversation delivers fresh insights, stunning visuals from the film, and provocative questions about what the government still won't admit. Tune in for a mind-expanding look at America's most closely guarded secrets. Watch S4: The Bob Lazar Story now on Prime Video and other platforms. #BobLazar #Area51 #S4Documentary #UFO #UAP #DisclosureWatch S4: The Bob Lazar Story now on Prime Video and other platforms! LINK BELOW https://www.primevideo.com/detail/0HAZANZUFKJ8U9FBKAI8QR0KWUTDP Website: https://totaldisclosurepodcast.podview.com/ 

In this episode, we delve into the changing landscape of teen employment, noting a significant decline in the percentage of teens working since the late 1970s. Recent statistics reveal a slight recovery post pandemic, with around 38% of teens aged 16 to 19 actively seeking jobs as of May 2024. Surveys indicate that part-time work is beneficial for youth, helping them understand budgeting and financial responsibility. Join us as we discuss these themes and share insights on how to support children in their financial journeys.

To watch the video of this episode, please go to: https://youtu.be/Tam_ar6oHpY   What if your entire life has been geared toward trying to find the "right" answer instead of exploring what else is possible? How can stepping out of judgment and into total allowance fundamentally shift your mental health, your business, and your relationships? Are you ready to stop trying to "fit in" and finally claim the magical, unique creature you truly are?   In this episode of Kaleidoscope of Possibilities, Dr. Adriana Popescu sits down with innovative business leader and best-selling author Simone Milasas. Simone shares her fascinating journey from traveling the world as a teenager to erasing $187,000 in debt, eventually becoming the founder of Joy of Business and a global advanced facilitator for Access Consciousness®. Together, they dive into the magic of using energetic questions to dismantle the rigid structures of judgment, expectations, and family gaslighting. This conversation is a beautiful, warm, and direct invitation to step off of "Struggle Street," embrace your natural sensitivity, and dynamically increase your allowance for yourself and the world.   In this episode: The Power of the Question: How moving away from concluding "answers" and staying in continuous question opens up unexpected pathways for your life and career Dismantling Self-Judgment: Unpacking why judgment is the ultimate source of human suffering and how to pivot to curiosity instead Navigating High Sensitivity: Utilizing the vital Access Consciousness tool "Who does this belong to?" to stop absorbing other people's heavy emotions and body symptoms Increasing Awareness and Allowance: Learning to navigate complex family dynamics, childhood gaslighting, and cultural limitations without making yourself smaller   Resources mentioned in this episode: Simone's website: simonemilasas.com Access Consciousness website: accessconsciousness.com Learn more about the clearing statement: theclearingstatement.com   About Simone: Simone Milasas is an innovative business leader, best-selling author, and global speaker. Founder of Joy of Business, she mentors entrepreneurs around the world to create greater wealth, success, and happiness. After turning her own life around from $187K in debt to a thriving global portfolio, Simone knows that true achievement starts with taking care of yourself. She believes relaxation and nurturing your body are essential to performing at your peak. Simone is also a Business Development Manager and Advanced Facilitator with Access Consciousness®, now in over 180 countries, and the author of Joy of Business, Getting Out of Debt Joyfully, and Relationship: Are You Sure You Want One? Learn more at www.simonemilasas.com.   About Access Bars® Access Bars® is a gentle, hands-on technique involving 32 points on the head that, when lightly touched, help release stress, quiet the mind, and support deep relaxation and sleep. Backed by growing scientific research, it is now used worldwide in homes, wellness centers, and even workplaces. Learn more or find a practitioner at https://www.accessconsciousness.com/en/micrositesfolder/accessbars/   “What if we could all be these magical creatures, and just miracles everywhere because we're no longer choosing judgment, and we're actually choosing to be ourselves? Me to be me, you to be you, no matter what it takes.” – Simone   Would you like to continue this conversation and connect with other people who are interested in exploring these topics? Please join us on our Facebook group! (https://www.facebook.com/groups/kaleidoscopeofpossibilitiespodcast/)   About your host: Dr. Adriana Popescu is a clinical psychologist, addiction and trauma specialist, author, speaker and empowerment coach who is based in San Francisco, California and practices worldwide. She is the author of the book, What If You're Not As F***ed Up As You Think You Are? For more information on Dr. Adriana, her sessions and classes, please visit: https://adrianapopescu.org/ To find the book please visit: https://whatifyourenot.com/ To learn about her trauma treatment center Firebird Healing, please visit the website: https://www.firebird-healing.com/   You can also follow her on social media:  Facebook: https://www.facebook.com/DrAdrianaPopescu/ Instagram: https://www.instagram.com/dradrianapopescu/?hl=en LinkedIn: https://www.linkedin.com/in/adriana-popescu-ph-d-03793 Youtube: https://www.youtube.com/channel/UCflL0zScRAZI3mEnzb6viVA TikTok: https://www.tiktok.com/@dradrianapopescu? Medium: https://medium.com/@dradrianapopescu   Disclaimer: This podcast represents the opinions of Dr. Adriana Popescu and her guests. The content expressed therein should not be taken as psychological or medical advice. The content here is for informational or entertainment purposes only. Please consult your healthcare professional for any medical or treatment questions. This website or podcast is not to be used in any legal capacity whatsoever, including but not limited to establishing “standard of care” in any legal sense or as a basis for legal proceedings or expert witness testimony. Listening, reading, emailing, or interacting on social media with our content in no way establishes a client-therapist relationship.

The Clare branch of Saint Vincent de Paul says a newly-announced expansion of a Government scheme will help families with the "hidden costs" of education. The Back-to-School Clothing and Footwear Allowance has been expanded to include children aged two and three for the first time. It means 2,364 families countywide will be eligible for the support which provides €160 for children between two and 11, and €285 for those aged 12 and over in second-level education. Feakle-based Clare SVP President Gerardine Power claims it'll ease the burden on struggling households.

NIECES KNOW BEST: Jess Helps Maya Ask For An Allowance full 331 Tue, 02 Jun 2026 14:11:57 +0000 vGL92BmcDuU1mm3xRHbagHCd3TTgpiH9 advice,family,allowance,nieces know best,first allowance,music,society & culture,news Kramer & Jess On Demand Podcast advice,family,allowance,nieces know best,first allowance,music,society & culture,news NIECES KNOW BEST: Jess Helps Maya Ask For An Allowance Highlights from the Kramer & Jess Show. 2024 © 2021 Audacy, Inc. Music Society & Culture News https://player.amperwavepodcasting.com?f

Marco Leal Joins Ty on Total Disclosure LIVE to discuss South American Ufology, From Crafts, to Alleged bodies, of non human beings. An international effort to suppress the truth, and cover up reality. #ufos #totaldisclosure #aliensMarco Aurélio Leal—UFO researcher, investigator, and co-producer of Moment of Contact, the documentary created alongside James Fox exploring the 1996 Varginha incident in Brazil… a case involving reports of a crashed craft, military retrieval operations, and alleged encounters with non-human beings witnessed by civilians in broad daylight.

In this episode of the Change Your Thinking, Change YourLife podcast, Michelle continues the powerful 10-part series on the qualities that create truly successful, peaceful, and meaningful lives by exploring the concept of allowance.What does it mean to truly allow people, situations, andlife experiences to be bigger than what you think you know about them? Michelle dives into the difference between judgment and discernment, sharing how our resistance to reality often creates unnecessary suffering, stress, and conflictin our lives and relationships.Through real-life coaching examples, personal reflection,and practical wisdom, this episode explores how trust, honesty, openness, and curiosity all work together to help us move from rigid certainty into deeper understanding, compassion, and peace. Whether you're navigating challenges in relationships, health, parenting, leadership, or personal growth, this conversation will encourage you to release the need to control every outcome and become more reflective, flexible, and emotionally grounded.If you've ever struggled with wanting life, people, orcircumstances to fit your expectations, this episode offers a refreshing and thought-provoking perspective on how allowance can create more clarity, healing, and inner peace.The next round of the Grow By 1 Coaching Academy begins June 14th. Learn more at: GrowBy1.com/CoachingAcademyThe Grow By 1 Shop is now officially open with digital andphysical products available: GrowBy1.com/ShopQuestions or feedback? Reach out anytime at: Michelle@GrowBy1.comGet ready for an uplifting and insightful conversation thatmay completely shift the way you think about control, judgment, and the beauty of allowing life to unfold.

Seven years ago, a mom broke down in front of her during a home visit, and that one moment cracked open everything. Not a business plan. Not a five-year roadmap. Just a clear, quiet knowing that moms needed support too, and that she was going to be the one to build it. What came next was seven years of showing up without a blueprint, figuring it out season by season, and learning that intention carries you further than any plan ever could.What You'll Learn:✅ Why knowing your why holds everything together when the how is still completely unclear✅ What fifteen years of marriage and seven years of business have quietly taught her about what it actually means to nurture something✅ How allowance, not pushing harder, is what's made the most room for real growth✅ What it costs to want to do everything at once, and what her kids keep pulling her back to✅ A guided reflection to help you name what you're nurturing right now and what it would mean to bring intention, allowance, and compassion to itChapters00:00 Maycember Kickoff01:41 15 Years Married02:25 Seven Years Mindful02:35 Origin Story 201804:17 From Hustle to Shift05:46 No Blueprint Needed06:34 Intention as North Star07:48 Allowance and Evolution08:41 Collective and New Baby10:15 Compassion and Presence11:31 Trusting Whats Next12:34 Gratitude and Thanks13:57 Invitation to Work Together14:28 Reflection and ClosingSend us Fan MailSupport the showNJ RESIDENTS, WORK WITH VANESSA Book a free 15-minute therapy consultation https://www.freetobemindful.com/contact LET'S STAY CONNECTED 

Timestamp for Sport of Kings Episode 362, sponsored by AmWager. Host Christopher Larmey is joined by a special guest 2026 NHC Champ, Dylan Donnelly, for a discussion about races 6,8,9,10, which include the 15% takeout all-turf P3, 15% takeout, $3 min late P3, and the 15% takeout $5 min late DD, on Saturday, May 23rd, 2026.    2 – Introduction 5 – Derby/Preakness review discussion   16 – SA Wagering Menu (CAW challenge to players) 24 – SA Race 6 (Crystal Water S.) 42 – SA Race 8 (Snow Chief S.)  52 – SA Race 9 (Allowance) 58 – SA Race 10 (MSW) 1:06 - Betting approach 1:12- Winning the NHC  

It's another Q&A show where Roger and Pete answer YOUR questions about such mighty subjects as bridging the gap from retirement to state pension, CGT for non-taxpayers and much more besides! Shownotes: https://meaningfulmoney.tv/QA48  02:18  Question 1 Hello Pete and Roger, wonderful podcast and I'll try and acceed to your short question desire. And I'll try not to use the word should. I am 52 and my wife and I would like to retire at 60. I have a DB pension that should pay me £20k per year from 65.  I would like to live off £50k per year and currently have £220k in a DC pension. That will hopefully get to £500k by age of 60. Equally I am hoping to have £100k in a S&S ISA and hoping to have the first year of retirement spending in cash.   My question is around my bridging requirements before my DB pension and state pensions kick in (my wife is 46).   Am I better off pulling 25% of DC tax free at the age of 60 and putting that into ISA's  or is it better to just pull pension money per year with and ongoing 25% tax free Allowance and using the smaller ISA amount to minimise tax. Just interested in your thoughts :-) Thanks and please keep up the great work. Kind regards, Adrian 06:38  Question 2 Hi Pete & Roger A few months ago a friend recommended your podcast and I've been devouring it ever since! Having worked in Compensation & Benefits for the past 15 years, and spending much of my time these days in the design and operation of pension plans, I thought I had a pretty good grasp on such things. But I've already learned a few tips and tricks to help as I plan my retirement, so huge thanks to you both! My question for you is about CGT liabilities when one is a non-tax payer. My son is in the fortunate position of having a healthy savings pot in a GIA, thanks to gifts/inheritances from grandparents over the years, which each year he sweeps into his LISA and stocks and shares ISA up to the £20k limit. The return has been really good this year and he is likely to realise a gain in excess of the £3k limit next April when doing the sweep. As he is still at university and only earning a few pounds here and there as a freelance musician, his earnings are well below the Personal Allowance. My Googling suggests that he would therefore not have to pay any CGT if the gain was above £3k next April. Is that correct? Many thanks in advance and keep up the good work! Kind regards, Marion 10:03  Question 3 Hi Pete and Roger, I am 56 and have been paying closer attention to my Pensions for the last 12 months. This is with a view to making an informed decision about my retirement plans at 60. Pete's videos and the podcast have been a great help. I am aiming for the Retirement Living Standards 'comfortable' figure for a single person because a) why not?, b) I am pretty sure I will be able to afford it, and c) I have estimated my needs and that more than covers it. I have a spreadsheet which models everything for me. I have 2 questions. A quarter of my pension will come from a DB which starts at 65. A quarter from the state from 67. The rest from my DC pot which I expect to be at least £600,000 by 60. The bridge from 60-65 comes from other assets. Any thoughts on the equity/bond split for my DC pot given that 50% of my pension is secure? 60:40 feels too bond heavy to me, I was thinking 80:20. And, following your 'not advice' I have modelled what I know now, inflation at 3.6%. I experimented by dropping inflation by 1.0%. I was amazed to see that at 3.6% my pot runs down but not out at age 100. At 2.6% it keeps accumulating and never turns down. I have used 8.25% for growth but made no allowance for tax free cash, UFPLS etc. It just shows the pernicious impact of inflation. Does that feel about right to you. Thanks, Mike 18:31 Question 4 Hi Chaps A thought just occurred to me and I wondered whether you've covered this already.... Will v Pension Expression of Wishes - which one wins in that battle if there's a conflict (from April 2027)? I've just noticed that my wife's EOW for her pension is different to that in her will, and would therefore be a problem from April 2027? Cheers, John   21:34 Question 5 Hi Gentlemen (Pension Gurus) My 18 year old children are setting out in the wonderful world of work and (with my "encouragement") are squirrelling away 10-12.5% of their salary into pensions (with their employers contributing 4 and 12.5% respectively). So one ok and one really good. Q: Their workplace pensions are with Aviva and L&G respectively and at the moment they are in the "default" scheme. As default pensions are a "one size fits all" I don't think that it's necessarily the best for my children with at least 35 years of investing left. Plus I don't like the idea of 10% being gambled on start ups. I'd like to come out of the default scheme but am not sure what to invest in i.e. if I DIY what % global index? global bonds what %? multi asset and if so what %? Or something simple like life strategy etc? What would your guidance be to an 18 year old on what to invest in their pension? Many thanks, London Mum 27:48  Question 6 Hi both, I am wondering how to approach retirement. I am 32 years of age and I have a DB pension with work. I am single with 18 years left on my mortgage. No kids. I have been splitting my saving contributions between workplace pension which goes out before I get my pay, cash ISA, S&S ISA and Lifetime ISA. With the latest budget I am conscious of the constant messing of the pensions and ISA's, mainly the lifetime ISA as they are potentially getting rid of it. Do I just carry on with the contributions as is? Will the lifetime ISA still be ok to contribute to for retirement planning? Thanks, Lisa

The Music That Made WE welcomes FEM APPEAL who has chosen 10 songs that up her story, with a soundtrack that includes Killing Joke, Michael Buble, Dokken, and more. + Stick around for Viktor's hidden bonus track.  Sorry to the folks, but all the music has been crudely culled from this recording. more Fem: https://www.instagram.com/theladyappeal/ The Music That Made WE is a creation of WEBurlesque Podcast Network, produced by Viktor Devonne. For the extended VIDEO version of this presentation, please visit our Patreon.com — all episodes of this series are available under the $1 threshold. that's patreon dot com slash we burlesque [Copyright Disclaimer Under Section 107 of the Copyright Act in 1976; Allowance is made for "Fair Use" for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use. All rights and credit go directly to its rightful owners. No copyright infringement intended.]