Podcasts about AVC

In this Meaningful Money Q&A (Episode 58), Pete Matthew and Roger Weeks answer six real listener questions on the money decisions facing UK savers and investors. We cover paying off your mortgage versus investing, gifting surplus income to manage care fees and inheritance tax, and how to buy capital gains tax-free gold. We also explore consolidating pensions before retirement and how LGPS members can weigh up AVCs versus ISAs and AVCs versus APCs. Tune in for clear, practical UK personal finance, pensions and retirement planning guidance - education, not advice. Shownotes: https://meaningfulmoney.tv/QA58    02:18  Question 1 Hi team Been listening for ages and having a psychological meltdown over this. I have approx £20k in my S&S ISA and £20k left on my mortgage.  How can I justify the decision to pull the trigger and pay it off?  Note that I also have £30k approx in a cash ISA and £5k float easy access.  I also overpay the mortgage about £800-£1k per month but that's eased off the last few months, with the money diverted to an early year getaway. I'm aware there isn't a perfect result or conclusion but I'm struggling to get past how to make the decision. In context, I do have a big holiday coming up later in the year (£5k-9k expected spend), but I'm itching to pay this off and get regular investing. It might be that writing this email I'm working it out for myself but I'd be keen to hear your thoughts (not advice!) on how I can think about the situation or other angles maybe I'm not thinking about. Michael 07:33  Question 2 Hi Pete, Roger & Nick, Many thanks for your podcasts.  Listening to you has been a part of my weekly habits for several years and I feel that you have been a "gateway" which has helped me to get a better grip on my future.   Thanks a lot! My question is how much to put aside for care fees when compared with potential IHT liability.  Specifically whether to advise my mum to gift her future surplus income instead of investing in her ISA? Mum is 88, and in reasonably good health. She has £330k in a S&S ISA, £50k premium bonds and owns her property worth £600k. Mum's  monthly spending is £500, her monthly income (from pensions) is £2k.  Leaving mum with surplus income of £1.5k per month. Mum already makes gifts of £100 per month to her two grandchildren from her surplus income and uses her annual gift exemption of £3k per annum. I have LPA (F&A & H&W) for mum.   It is important to me that I treat mum and her finances with respect and stay focussed on mums needs (rather than that of me and my immediate family).  As such I have been transferring mums surplus income into her S&S ISA each quarter, so that Mum has enough money to do whatever she wants to do. I am wondering what is the point in continuing to put more money into mums ISA when she has more money than she needs already. Mum is widowed; has no desire to travel abroad; make any changes to the house; buy a new car or similar.   Mums immediate financial needs are met via her pension income.   Therefore aside from potential care home fees I wonder what is the point in continuing to boost Mums investments via the ISA. Assuming care home (nursing home) fees of £2k per week equates to £104k per annum.   It seems to me that Mum has over 3 years of fees covered before she would need to sell her house. I am an only child and executor for mums will.  Currently mum has left her estate to me in her will.   Mum says she "doesn't want her hard earned money going to the tax man".   My concern is that if Mum's S&S ISA continues to grow then her estate will be subject to IHT when she dies, unless of course the money is eaten up with care fees. With this in mind I wonder whether to advise mum that her future surplus income should be gifted rather than invested. What are your thoughts? Many thanks for your excellent work! Kind regards, The Rusholme Ruffian 14:37 Question 3 Hello Pete and Roger (no d!) Great podcast! I hope all the good karma you give out comes back to you! Quick and short question: I am aware some physical gold holdings are subject to CGT but some, such as gold sovereigns and Royal mint bullion are exempt. So are there CGT exempt gold holdings that one can buy and keep in a GIA to sell later CGT free? Many thanks and keep going! Adam 16:52 Question 4 Hi Pete, Hi Rog My son put me onto your podcast some time ago and I've been working through the back catalogue from 2019 and am currently up to 2023. I have also bought the Retirement Guide book and plan to join the Academy later this year.  Like everyone else, I wish I'd found this years ago!  But hey ho, we are where we are. I'm 57 and plan to retire next year.  My wife gave up work to look after our children and so apart from state pension all our pension funds are those I've been able to accumulate through my various jobs.  I have 4 pensions - 1 DB and 3 DC.  One of the DCs is in drawdown as I had to withdraw the tax free element a couple of years ago for reasons I won't go into (but I was careful not to trigger the MPAA).   I now work in Financial Services and you won't believe the Compliance hoops I would have to get through to change out of the default pension funds and likewise consolidation of the DC pensions - that will have to wait until I actually retire. Having listened to so many episodes, I have loads of questions but the ones spinning through my head the most are:- 1. Can I consolidate a DC in drawdown with my virgin, untouched DCs and does it matter if I wait until I retire to do so? If yes, how would that be presented to me by the provider. 2. With investments all in one person's name, is there anyway that imbalance can be addressed? For example, what options are there to make use of tax allowances which my wife may have to minimise tax. Is it possible to transfer some of my pension to my wife? - I suspect not. Do we need separate cash pots (in case of death of one of us)? 3. In the Home Straight season and in the book you list a number of questions to ask DC providers. Are there any questions I should be asking my DB provider? even if they are just the practicalities. Thanks again for the podcasts and guidance.  Say Hello to Cornwall for me - I'm sure we'll be visiting Fowey more often when do retire.  (Don't suppose you or Roger can recommend a book on the history of Cornwall?) Mark 24:30 Question 5 Hi Pete and Roger, I'm in my early 50s and only now feel like I'm reaching a stage where I have some financial breathing space, but it has also triggered panic that I may be behind and need to make the most of the next 8–10 years. For context, I was a single mother for 24 years. During much of that time I worked part-time on a relatively low salary while contributing to the LGPS. My children have now left home and over the last eight years I returned to full-time work and progressed professionally. I'm now earning just above the higher-rate tax threshold at £62,000. Over the last eight years I have aggressively focused on becoming debt free and paid my mortgage off last year. I currently: - contribute 8.5% into LGPS (part final salary part CARE) - Just opened an AVC £550 per month cost to me - Just opened a stocks and shares investment platform where I can comfortably afford upto £250 per month - save £600 per month into a cash ISA for flexibility/emergency funds - currently hold around £20k in cash isa savings I would ideally like the option to retire around 60, perhaps gradually rather than stopping work completely overnight. My question is: Given my relatively late start to focused financial planning (and lack of understanding) am I broadly approaching this in the right way, and what else should someone in my position be considering over the next decade to build a secure but flexible retirement? I'd also be interested in your thoughts on balancing AVCs versus ISAs at this stage of life, and whether people like me should focus more on flexibility or maximum pension accumulation. Thank you, I've just found your podcast and will be listening help reduce some of the fear around pensions and investments I have. Regards, Lotty 32:12  Question 6 Hi Pete and Roger I'm loving the podcast and it has really helped focus my mind and be more intentional about my finances, having not really saved or invested for the first 40 years of my life. I am a relatively low earner with a salary of £30,000, which means I can only afford to commit around £200 a month for savings and investments, but I do save anything left over at the end of the month too. I could look for a higher paid role, but my current job gives me a lot of flexibility including mostly home working and because I have worked in local government for 20 years I get very good sickness and redundancy benefits, as well as a defined benefit pension which I have been paying into from the start of my employment. This will guarantee me my final salary on retirement, although that assumes I work until 68, which is longer than I want to ideally. [ALARM!} I have built up an emergency fund of 1 month salary and will try and get that to 2 months, but with my sickness and redundancy benefits I don't feel I necessarily need the 3-6 months which is recommended by many. I also have a stocks and shares ISA which I am hoping to build up and not spend until retirement, with the plan of using it to bridge the gap before I draw on my pension. I am now considering making additional contributions to my pension and have two options available to me. One is to make Additional Voluntary Contributions (AVCs) via the Prudential and the other is Additional Pension Contributions (APCs) through the scheme itself. With AVCs my employer will pay in with me, but they don't with APCs. With my employer paying in with me that makes me wonder if AVCs may be a better option. Alternatively, as I don't have much money to put in I may keep my pension contributions as they are and focus on my stocks and shares ISA. I know you can't tell me which route to take, but I am interested in your thoughts and perhaps there are some questions I should be putting to my pension provider to give me more clarity. Apologies for the length of the question. Many thanks, Andrew   Jacksons - https://jacksons.life  Meaningful Academy Retirement Planning: https://meaningfulacademy.com/retirementplanning  Meaningful Coaching: https://meaningfulcoaching.co.uk 

A Talita era mãe solo e tinha saído de um casamento de 12 anos, quando conheceu o Roni. No começo, ela achava que ele tinha chegado para mudar a sua vida, mas depois de estar apaixonada, descobriu que o Roni era usuário de drogas. Talita sentia que poderia enfrentar um pesadelo, mas aceitou e lutou para que ele largasse o vício. Mas Roni sofreu um AVC e tudo piorou... Promessas não cumpridas, pedidos de desculpas, tudo se acumulou como uma bola de neve e ele sempre voltava para as drogas. Com um aperto no coração, ela resolveu abrir mão do amor e focar em si mesma. Mesmo julgada, hoje ela não se arrepende do que viveu, mas precisou escolher seguir em frente com o filho e guardando os bons momentos que viveu.

Faire chauffer des aliments dans un contenant en plastique vous préoccupe peut être. Mais qu'en est il des facteurs qui prédisent réellement votre risque de faire une crise cardiaque, un AVC ou de vivre des années avec une maladie chronique évitable? Dans cet épisode, nous prenons du recul face aux sujets santé les plus bruyants sur Internet pour revenir à ce qui compte vraiment. La prévention est souvent moins spectaculaire qu'on l'imagine: une bonne tension artérielle, un faible taux de cholestérol LDL, une glycémie bien contrôlée, une activité physique régulière et une alimentation que vous pouvez maintenir pendant des décennies. L'objectif n'est pas de culpabiliser qui que ce soit, mais de réduire l'écart entre la perception du risque et la réalité afin que votre énergie soit investie là où elle aura le plus d'impact.Nous discutons aussi de ce que représente le fait d'être à la fois médecin et créateur de contenu. Partager des connaissances ne suffit pas, puisque la plupart des gens savent déjà qu'ils devraient mieux manger et bouger davantage. Le véritable défi consiste à faire en sorte que cette information résonne suffisamment pour se transformer en actions concrètes. C'est là que l'idée du « simple, mais pas facile » prend tout son sens, tout comme les six piliers de la médecine du mode de vie, qui influencent la majorité des maladies chroniques.Côté nutrition, nous restons ancrés dans les données scientifiques et les conseils pratiques. Nous faisons le lien entre l'alimentation méditerranéenne, le régime DASH et le régime MIND afin d'en dégager les principes communs: davantage d'aliments végétaux peu transformés, moins d'aliments ultra transformés et une réduction des gras saturés provenant de la viande rouge, des viandes transformées et des produits laitiers riches en matières grasses. Vous découvrirez pourquoi intégrer plus souvent des haricots, des lentilles, du tofu, des noix et des graines peut être plus efficace que de rechercher une alimentation parfaite, et comment remplacer progressivement une partie des protéines animales par des protéines végétales peut améliorer la santé cardiovasculaire et métabolique à long terme.Si vous cherchez une façon plus claire, plus sereine et fondée sur la science de naviguer parmi la désinformation en santé, cet épisode est pour vous. Abonnez vous pour ne rien manquer des prochains épisodes, partagez le balado avec une personne qui a besoin de se rappeler l'importance des « grosses pierres » en prévention, et laissez un avis en nous disant quelle habitude vous avez décidé de prioriser.Go check out my website for tons of free resources on how to transition towards a healthier diet and lifestyle.You can download my free plant-based recipes eBook and a ton of other free resources by visiting  the Digital Downloads tab of my website at https://www.plantbaseddrjules.com/shopDon't forget to check out my blog at https://www.plantbaseddrjules.com/blog You can also watch my educational videos on YouTube at https://www.youtube.com/channel/UCMpkQRXb7G-StAotV0dmahQCheck out my upcoming live events and free eCourse, where you'll learn more about how to create delicious plant-based recipes: https://www.plantbaseddrjules.com/Go follow me on social media by visiting my Facebook page and Instagram accountshttps://www.facebook.com/plantbaseddrjuleshttps://www.instagram.com/plantbased_dr_jules/Last but not least, the best way to show your support and to help me spread my message is to subscribe to my podcast and to leave a 5 star review on Apple and Spotify!Thanks so much!Peace, love, plants!Dr. Jules 

durée : 00:03:12 - Partis de Marseille le 10 juillet, Thibault Henri et Mayeul Quatre se sont lancé un défi : rejoindre la féria de Dax à pied, soit 650 kilomètres en 30 jours. Un périple au profit de France AVC, en hommage au beau-père de Mayeul, décédé brutalement d'un accident vasculaire cérébral. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

POUR PARTICIPER : https://link.richissime.net/le1ypNChloé et son mari ont été gendarmes — elle 8 ans, lui 7 ans. Aujourd'hui elle est assistante en télétravail à €1 700 net par mois, lui technicien en recherche de fuite à €2 200 net. Ils ont 2 petits garçons de 3 et 5 ans — dont l'un a fait un AVC à la naissance et vit avec un handicap.Ils viennent d'acheter, rénover et revendre leur résidence principale. Plus-value : €34 000. Épargne totale après la vente : environ €45 000. Ils ont aussi un T1 en locatif longue durée acheté en 2025.Leur projet : quitter définitivement la France. Direction l'Asie — Cambodge en priorité, Laos ou Thaïlande en alternative. Ils en ont marre. Vraiment. Mais leur frein principal, c'est le mari : pas question de partir sans revenu derrière.Dans cet extrait de la Radio Libre, Delphine dit quelque chose d'important d'emblée : elle ne peut pas trancher entre eux deux — c'est une question de rapport au risque, et ni l'un ni l'autre n'a forcément tort. Mais elle dit aussi ce qu'elle voit : c'est un rêve encore très motivé par un ras-le-bol. Et un ras-le-bol, ça ne suffit pas à construire un plan qui tient.Son conseil est clair : avant de partir, il faut un revenu. Pas un investissement locatif. Pas des laveries. Un business en ligne — lancé depuis la France, stabilisé, et qui génère quelque chose avant le départ. Parce qu'un visa entrepreneur est beaucoup plus facile à obtenir en Asie qu'un visa salarié — et parce qu'un revenu du travail passe toujours avant un revenu d'investissement quand le patrimoine est encore limité.Elle leur donne aussi un cap : 6 mois pour lancer le business, puis partir avec un plan béton — visa, coût de la vie sur place, scolarisation de leur fils.

A gripe afeta cerca de 1 bilhão de pessoas por ano em todo o mundo. Mas seus efeitos podem ir além dos sintomas imediatos, como febre, dor no corpo, cansaço, tosse, nariz entupido e calafrios.A doença também pode provocar consequências menos conhecidas, como risco aumentado de ataque cardíaco e AVC.Neste episódio do DrauzioCast, Drauzio Varella conversa com o cardiologista Múcio Tavares sobre a relação entre gripe e saúde cardiovascular e a importância da vacinação no longo prazo.Conteúdo produzido em parceria com Sanofi.MMAT-BR-2602634Veja também: Por que o Brasil ainda luta para atingir a meta de vacinação contra a gripe?

No episódio de hoje do Radar Médico, Danielle Calil, neurologista e editora do Portal Afya, revisa os principais pilares da prevenção secundária após o AVC isquêmico, com foco em evitar recorrências e reduzir o risco de novos eventos cardiovasculares.A estratégia começa pela definição do mecanismo do AVC e passa pela escolha adequada entre antiagregação e anticoagulação, controle intensivo dos fatores de risco e mudanças no estilo de vida. O episódio também discute evidências recentes sobre dupla antiagregação, início precoce dos DOACs, metas de pressão arterial e LDL e o papel dos agonistas de GLP-1 em pacientes com diabetes.

No episódio de hoje do Radar Médico, discutimos as principais estratégias para prevenir novos eventos após um acidente vascular cerebral isquêmico, com foco na escolha do tratamento antitrombótico e no controle intensivo dos fatores de risco cardiovascular.A conduta depende diretamente do mecanismo do AVC. Enquanto pacientes com fibrilação atrial não valvar geralmente têm indicação de anticoagulantes orais diretos, casos não cardioembólicos permanecem sob antiagregação plaquetária. O episódio também aborda metas atuais de pressão arterial, LDL e hemoglobina glicada, além do papel dos agonistas de GLP-1 e das mudanças no estilo de vida.Tópicos abordados:• Antiagregação ou anticoagulação conforme o mecanismo do AVC• Quando iniciar anticoagulantes orais diretos após o evento• Investigação de fibrilação atrial no AVC criptogênico• Meta pressórica abaixo de 130/80 mmHg• Controle do LDL e diferenças entre metas de 70 e 55 mg/dL• Manejo do diabetes e papel dos agonistas de GLP-1• Tabagismo, atividade física e adesão ao acompanhamento• Lacunas atuais na prevenção secundária do AVC

O humorista Nuno Markl é o convidado de Daniel Oliveira, no Alta Definição em podcast. O locutor das “Manhãs da Comercial” e apresentador do programa “Taskmaster Portugal” partilha, pela primeira vez, a experiência que mudou a sua vida: os dois AVCs sofridos no espaço de poucas semanas. Foi o seu filho Pedro que ligou para o 112, recusando-se a aceitar a sugestão do pai de que “podia ser só cansaço”. “Não sei o que teria acontecido se não fosse ele”, admite Markl. O humorista recorda a tristeza demolidora da dependência total e o medo de nunca mais voltar a mexer o braço ou andar sem apoio. “As pessoas talvez não tenham noção do nível atómico de tristeza e solidão que se pode sentir sozinho num quarto de hospital, cheio de incertezas”, explica. Markl reflete sobre a habitual rotina antes do acidente, que descreve como “uma cavalgada insana”, o hábito de ignorar os sinais do corpo e o medo de ir ao médico. O processo de recuperação, que descreve como “o projeto mais importante da minha vida”, ensinou-lhe a valorizar as pequenas vitórias diárias e a aprender a dizer 'não'. “Antes disto acontecer, quando descansava sentia culpa por não estar a fazer mais. Agora já não.” O humorista fala ainda sobre o amor e a amizade que o sustentaram nestes meses, sobre a relação com a namorada Teresa, com a mãe, com a irmã e com os amigos que encheram o seu quarto de hospital. Ouça a conversa intimista no Alta Definição, emitido na SIC a 1 de agosto. *A sinopse deste episódio foi criada com o apoio de IA. Saiba mais sobre a aplicação de Inteligência Artificial nas Redações da ImpresaSee omnystudio.com/listener for privacy information.

Fenômeno conhecido como frente de rajada foi o principal responsável pelo rastro de destruição visto em São Paulo e no Rio de Janeiro. 'Efeito China': preço médio do carro zero no Brasil tem a primeira queda em seis anos. Fotógrafa que sumiu em trilha no Paraná é encontrada morta após 5 dias de buscas. Levantamento mostra que o Brasil está entre os países com maior número de combatentes estrangeiros mortos na guerra da Ucrânia. Sabe medir a pressão? Entenda passo mais eficaz para evitar infarto e AVC.

Avant que le rap féminin ne s'impose en France, certaines femmes ont dû se battre pour prouver qu'elles avaient leur place derrière un micro. Lady Laistee fait partie de ces pionnières. Dans cet épisode de La Bascule, elle revient sur son parcours, de son enfance entre la Guadeloupe et la métropole à son ascension dans le rap français, en passant par les épreuves qui ont bouleversé sa vie et transformé sa vision du succès.Aujourd'hui, de nombreuses femmes brillent sur la scène du rap français. Mais avant elles, il a fallu des artistes capables d'ouvrir la voie, dans un milieu où tout semblait réservé aux hommes.Lady Laistee est de celles qui ont osé. Née en Guadeloupe avant de rejoindre la métropole dans son enfance, elle découvre très tôt le hip-hop. D'abord la danse, puis les mots. Le rap devient rapidement un espace de liberté, un moyen d'exprimer ce qu'elle n'osait pas dire ailleurs. Sans modèle féminin, sans mode d'emploi, elle construit son chemin à force de travail, de détermination et de convictions.Au fil de la conversation, elle revient sur les débuts du rap français, les préjugés auxquels elle a dû faire face, son refus d'être enfermée dans l'étiquette de « rap féminin » et la manière dont toute une génération a contribué à faire évoluer les mentalités.Mais cet épisode dépasse largement la musique.Lady Laistee partage avec une grande sincérité les épreuves qui ont marqué son existence : la disparition tragique de son frère, les blessures de son enfance, le courage de mettre des mots sur des violences longtemps gardées sous silence, puis cet AVC qui aurait pu mettre un terme à son parcours.À travers chacune de ces bascules, elle raconte comment la foi, la résilience et l'envie de transmettre lui ont permis de continuer à avancer.Aujourd'hui, son regard sur la réussite a profondément changé. Plus qu'une carrière, elle souhaite laisser un héritage, accompagner les nouvelles générations et rappeler qu'un artiste ne se construit pas seulement avec du talent, mais aussi avec du courage, de la patience et une profonde fidélité à soi-même.Un échange sincère, puissant et inspirant sur la force de croire en ses rêves, même lorsque personne n'y croit encore.Parce qu'un rêve ne reste qu'un rêve tant qu'on n'ose pas le poursuivre.Bienvenue dans La Bascule, le podcast qui révèle sa véritable nature.

Sabia que a doença cardíaca pode ser silenciosa durante anos? No primeiro episódio dedicado à saúde cardiovascular, a cardiologista Cristina Gavina e Filipa Galrão entram no coração da ciência para descodificar este órgão vital: como funciona, o que o põe em risco e como o devemos proteger. A doença cardiovascular continua a ser a principal causa de morte no mundo, e Portugal não é exceção. Embora a evolução da doença não dê sinais evidentes, a boa notícia é que grande parte das patologias é evitável.Neste episódio, ficamos a saber como funciona o aparelho cardiovascular e quais são as doenças que afetam o coração, tais como o enfarte do miocárdio ou o AVC. Para apostar na prevenção, sabia que há três números mágicos que importa conhecer - o da tensão, o do colesterol e o da glicemia?A conversa não termina sem uma viagem pelos efeitos da ansiedade na saúde cardiovascular e pela derradeira pergunta: é verdade que podemos morrer de «coração partido»?Porque um coração saudável exige escolhas conscientes, e informadas ao longo da vida, não perca este [IN]Pertinente.LINKS E REFERÊNCIAS ÚTEISYusuf S, et al. «Effect of potentially modifiable risk factors associated with myocardial infarction in 52 countries» (the INTERHEART study). Lancet. 2004;364(9438):937–52) Nordestgaard BG, et al. «Fasting is not routinely required for determination of a lipid profile» (EAS/EFLM joint consensus. Eur Heart J. 2016;37(25):1944–58) Ference BA, et al. «Low-density lipoproteins cause atherosclerotic cardiovascular disease» (EAS Consensus Statement. Eur Heart J. 2017;38(32):2459–72) SCORE2 working group and ESC Cardiovascular Risk Collaboration. «SCORE2 risk prediction algorithms: new models to estimate 10-year risk of cardiovascular disease in Europe». Eur Heart J. 2021;42(25):2439–54. Visseren FLJ, et al. «Guidelines on cardiovascular disease prevention in clinical practice» Eur Heart J. ESC 2021;42(34):3227–3337) Vogel B, et al. «The Lancet women and cardiovascular disease Commission: reducing the global burden by 2030» (Lancet. 2021;397(10292):2385–2438) Howard JP, Wood FA, Francis DP, et al. «Side Effect Patterns in a Crossover Trial of Statin, Placebo, and No Treatment» (SAMSON). J Am Coll Cardiol. 2021;78(12):1210–22. BIOSCristina GavinaCardiologista, presidente da Sociedade Portuguesa de Cardiologia (2025-2027) e diretora de Cardiologia do Hospital Pedro Hispano (ULS Matosinhos). É professora na Faculdade de Medicina do Porto.Filipa Galrão Estudou Comunicação Social e Cultural na Universidade Católica. Depois da Mega Hits e da Renascença, é agora uma das novas vozes da Rádio Comercial. Já deu à luz 1 livro infantil - Que Estranho! - e 2 filhos.

In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer real listener questions on UK retirement planning, pensions, tax and inheritance tax. They discuss tax planning after the death of a spouse, investment bonds, SIPP drawdown before State Pension age, Defined Benefit pension contributions, Fixed Protection 2016, inherited ISAs and lifetime gifting rules. If you are planning retirement, managing pensions, thinking about ISA transfers or trying to understand UK IHT, this episode offers practical guidance to help you make better financial decisions. Shownotes: https://meaningfulmoney.tv/QA56    01:44  Question 1 Hello Pete & Rog, Your content and chemistry are a unique combo that's helped me focus and engage in my own future properly at last.  Thank you! It occurred to me being well insured isn't necessarily enough…..planning mechanics is key too. I'm Interested in your views on planning for the tax shock if one spouse dies pre-retirement and all income is consolidated into a single taxpayer (surviving spouse). Scenario: Couple both in 40/50s earning ~£75k each with two dependent kids (15 and 11) One spouse dies (let's assume today) Immediate loss: £75k income, one personal allowance, one BRT band, future SP Survivor receives ~£40k DB spouse/children's income initially falling to £15.5K when kids out of education Total initial income of survivor  £115k Life cover + enforced cash lump sum from DC (no survivor pension option) all in trust pays off mortgage + ~£500K capital but all now in tax land So despite being "well insured", the survivor is pushed into a much less efficient tax position. Beyond salary sacrifice AVC to stay

O Bernardo tinha uma vida feliz com a Fernanda e o filho, até que ela sofreu um AVC hemorrágico. Sua esposa voltou para casa com graves sequelas e ele passou a dedicar a sua vida para cuidar dela. Durante a recuperação, uma fisioterapeuta chamada Helena, se tornou um grande apoio, mas com o tempo, Bernardo estava se apaixonando por ela. Tomado pela culpa, ele decidiu se afastar e preservar o casamento. Com a melhora da esposa, ele entendeu que o que ele sentia não era amor, mas sim gratidão por curar o seu grande amor.

Theo lịch trình dự kiến, sân bay quốc tế Long Thành sẽ được đưa vào hoạt động kể từ tháng 12 năm nay song song với sân bay Tân Sơn Nhất. Tuy nhiên, có nhiều yếu tố khiến dự án đầy tham vọng này của Việt Nam có nguy cơ bị chậm trễ. Kế hoạch chuyển các chuyến bay quốc tế từ Tân Sơn Nhất đến Long Thành đang đặt ra nhiều vấn đề, nhất là vì hệ thống giao thông kết nối hai sân bay vẫn chưa theo kịp. Dự án Cảng hàng không quốc tế Long Thành được xây dựng trên diện tích khoảng 5.000ha, có tổng mức đầu tư gần 16 tỷ đôla, với Tổng công ty Cảng hàng không Việt Nam (ACV) là chủ đầu tư dự án. Riêng giai đoạn 1 được thiết kế với công suất 25 triệu lượt hành khách và 1,2 triệu tấn hàng hóa mỗi năm. Mới đây, ông Nguyễn Đức Hùng, Quyền Tổng Giám đốc ACV đã cam kết với thủ tướng Lê Minh Hưng là sẽ hoàn thành toàn bộ dự án vào tháng 12/2026 và đưa sân bay này vào hoạt động. Tuy nhiên, trả lời RFI Việt ngữ ngày 03/07/2026, tiến sĩ Nguyễn Thiện Tống, nguyên Chủ nhiệm bộ môn Kỹ thuật hàng không Trường Đại học Văn Lang, cho rằng không cần xây dựng sân bay Long Thành một cách gấp rút như thế: "Tôi thấy là không hiểu sao mà phần lớn như là bị tự kỷ ám thị, tự mình tin  như vậy, rồi nói như vậy và cùng nhau nói như vậy, không ai nói ngược lại. Tức là tại sao Long Thành phải hoạt động vào năm 2026? Tại sao đặt những mốc thời gian như vậy, trong khi một công trình xây dựng đòi hỏi thời gian để nó có thể là hoàn tất, bảo đảm chất lượng hoạt động khi hoàn tất, chứ không phải đặt mức phải bắt đầu hoạt động, rồi thúc đẩy hoàn tất cho  kịp cái mốc đó. Thứ nhất là không bảo đảm được kết quả như là để tự nó theo đúng điều kiện khách quan để nó hoàn tất. Thứ hai là sẽ tốn kém. Thúc ép như vậy thì đưa đến chuyện là mọi việc đều  gấp rút, thời gian làm thêm ngoài giờ, làm thêm ban đêm tốn rất nhiều chi phí mà không cần thiết. Bởi vì có nhất thiết Long Thành phải hoạt động cuối năm 26 hay đầu năm 27 không? Chậm 1 năm, ngay cả chậm hơn nữa cũng chẳng sao cả. Người ta vịn vào một cái cớ rất là vô lý là sân bay Tân Sơn Nhất quá tải. Quá tải là gì? Quá tải là vượt quá sức hoạt động của nó. Thật sự quá tải chỉ xảy ra vào dịp Tết mà sân bay vẫn chịu đựng được. Tết vừa rồi có ngày tiếp nhận trên cả ngàn chuyến bay mà sân bay vẫn hoạt động. Cho nên không có một sự cấp bách gì mà phải đưa sân bay Long Thành vào hoạt động lấy cớ là vì Tân Sơn Nhất quá tải."  Theo báo chí trong nước, vào đầu tháng 7,  AVC đã đề xuất với chính phủ là thay vì chuyển toàn bộ hoạt động khai thác từ sân bay Tân Sơn Nhất sang Long Thành, hai sân bay sẽ được vận hành đồng thời theo phương án: Tân Sơn Nhất tiếp tục khai thác toàn bộ các đường bay nội địa cùng các đường bay quốc tế ngắn và trung bình, trong khi Long Thành “từng bước đảm nhận các đường bay quốc tế phù hợp nhằm phát huy công suất ngay từ giai đoạn đầu đưa vào khai thác”. Phương án này được xem là “nhằm khai thác tối đa năng lực của cả hai sân bay”. Cụ thể, trong giai đoạn đầu tiên (dự kiến từ 1/12/2026 – 27/3/2027), ACV đề xuất chuyển toàn bộ các chuyến bay quốc tế đường dài từ sân bay Tân Sơn Nhất sang sân bay Long Thành. Giai đoạn 2 (từ 28/3/2027 đến hết năm 2030), toàn bộ các chuyến bay quốc tế còn lại sẽ chuyển sang sân bay mới. Giai đoạn sau năm 2030 sẽ chuyển toàn bộ các chuyến bay quốc tế thường lệ sang khai thác tại sân bay Long Thành, còn Tân Sơn Nhất sẽ chủ yếu khai thác các chuyến bay nội địa. Ngày 30/06 vừa qua, ACV thông báo trong số các hãng nội địa, 3 hãng Vietnam Airlines, Vietjet Air và Vietravel Airlines đã chính thức đăng ký khai thác sân bay Long Thành. Đối với các hãng hàng không quốc tế, ACV trước đó cho biết đại diện 34 hãng "đã khảo sát thực địa và chuẩn bị cho việc khai thác sân bay Long Thành." Nhưng trong giới chuyên gia ở Việt Nam, không ít người quan ngại về tính khả thi của kế hoạch chuyển các chuyến bay quốc tế đến sân bay Long Thành. Trả lời Tạp chí Hàng không ngày 21/04/2026, ông Nguyễn Ngọc Luận, tổng giám đốc Công ty Cổ phần Kinh doanh khí miền Nam, cho rằng các hãng hàng không Việt Nam sẽ gặp nhiều khó khăn khi phải khai thác một phần các chuyến bay quốc tế tại sân bay Long Thành trong thời gian tới. Phương án khả dĩ hơn theo ông là trước mắt chỉ chuyển từ Tân Sơn Nhất về Long Thành các hãng hàng không nước ngoài có chặng đến và đi quốc tế (không khai thác quốc nội). Khách bay quốc tế các chặng này sẽ tự nối chuyến bằng xe hơi. Tuy nhiên phương án này lại chưa thuận tiện cho hành khách nối chuyến trong thời gian đầu do kết nối giao thông giữa hai sân bay chưa hoàn thiện.  Nếu hạ cánh tại sân bay Long Thành mà muốn đi tiếp quốc nội thì hành khách phải đón xe về Tân Sơn Nhất (mất có khi đến 2 tiếng), cho nên khách từ nhiều nước có có thể sẽ chọn bay với hãng khác (như Thai Airways hay Singapore Airlines) quá cảnh tại Bangkok/Singapore để từ đó bay thẳng đến các điểm du lịch của Việt Nam. Về phần tiến sĩ Nguyễn Thiện Tống, ông nêu bật những thiệt hại của kế hoạch chuyển các chuyến bay đến Long Thành quá sớm: "Đó là vấn đề rất quan trọng mà người ta không suy nghĩ đúng mức về mặt thiệt hại kinh tế xã hội nếu như cưỡng ép những chuyến bay đang có thể hoạt động tại Tân Sơn Nhất ra Long Thành. Tôi có thể nói bất cứ người khách nào hiện đang sử dụng Tân Sơn Nhất mà bị ép buộc phải ra Long Thành, thì chắc chắn họ không muốn. Bao giờ Tân Sơn Nhất quá tải, cái đó là do các hãng hàng không quyết định : Nếu họ thấy tìm thêm slot để mở chuyến bay không có, Tân Sơn Nhất hết chỗ rồi, thì họ sẽ mở slot mới bên sân bay mới và nếu có đủ khách họ mới mở chuyến bay đó. Tôi nghĩ việc thực hiện những chuyến bay ở Long Thành phải để cho tự nhiên xảy ra, chứ không phải bằng mệnh lệnh hành chánh, điều hành khách từ sân bay này sang sân bay khác. Việc quản lý các sân bay Việt Nam rất vô lý, tập trung thành một công ty gọi là Tổng công ty Hàng không Việt Nam ACV, một công ty quản lý và có quyền điều động mọi thứ với nhau, rất là vô lý. Đơn cử bên Úc, họ xây một sân bay thứ nhì của Sydney, câu hỏi đặt ra là ai quản lý sân bay thứ nhì đó? Người ta bảo ưu tiên cho sân bay thứ nhất, nếu muốn, họ quản lý luôn sân bay thứ nhì. Nhưng họ đã từ chối, chỉ quản lý sân bay Kingsford Smith thôi. Cho nên người ta mới thành lập một cơ quan quản lý sân bay Sydney thứ nhì. Có nghĩa hai sân bay độc lập, bổ sung cho nhau, nhưng cạnh tranh với nhau. Và như vậy các hãng máy bay cảm thấy sân bay mới có thuận lợi gì thì họ đăng ký sử dụng sân bay đó. Sân bay Long Thành hiện nay cũng thông báo có nhiều hãng máy đăng ký để sử dụng. Nếu đó là đăng ký một tự nguyện thì tốt và nếu thời gian hoạt động mà có lợi người ta sẽ tăng dần cái chuyến bay tại Long Thành. Còn nếu không có lợi thì số lượng hành khách Long Thành sẽ ít và tôi nghĩ, nếu hay thì nó sẽ tăng từ từ một cách tự nhiên. Với tinh thần đó thì không có gì phải gấp rút. Hiện nay tôi thấy nó vô lý ở chỗ là có vẻ họ vẫn dùng mệnh lệnh nhà nước của thời kỳ mấy chục năm trước. Tôi cho rằng bắt buộc toàn bộ hay phần lớn các chuyến bay quốc tế dời ra Long Thành sẽ gây thiệt hại cho hãng hàng không và gây thiệt hại cho hành khách tại sân bay Tân Sơn Nhất, gây thiệt hại cho nền kinh tế." Ngoài ra theo trang mạng The Traveler trong bài viết đăng ngày 23/06/2026, các chuyên gia theo dõi ngành hàng không Việt Nam nhận định “tiến độ dự án Long Thành hiện rất sít sao, hầu như không còn biên độ dự phòng cho các sự cố do thời tiết, tắc nghẽn nguồn cung,  hay thay đổi thiết kế. Dù tiến độ thi công thường được báo cáo dưới dạng phần trăm hoàn thành, giới quan sát cảnh báo rằng những hạng mục phức tạp nhất – bao gồm hoàn thiện nội thất, tích hợp hệ thống và chứng nhận an toàn – vẫn còn ở phía trước và thường tiềm ẩn rủi ro chậm trễ cao hơn.” Cũng theo The Traveler, "những lo ngại về nguy cơ chậm tiến độ càng gia tăng do các thách thức về chi phí và công tác đấu thầu (... ). Mặc dù các cơ quan chức năng liên tục khẳng định quyết tâm hoàn thành dự án vào mốc thời gian năm 2026, nhưng ngân sách hạn hẹp cùng các thỏa thuận hợp đồng phức tạp làm tăng khả năng xảy ra tranh chấp, thay đổi thiết kế hoặc các yêu cầu phát sinh; những yếu tố này có thể gây chậm trễ cho một số hạng mục quan trọng của dự án."  Số vốn đầu tư lên đến 16  tỷ đôla cho sân bay Long Thành cũng đã bị chỉ trích và ngay chính tổng bí thư Tô Lâm cũng đã nêu vấn đề này trong một bài phát biểu tại một hội nghị ngày 25/02/2026: “Nếu quy mô 16 tỷ đôla thì kinh khủng. Nhưng tôi hỏi có vượt trội hơn được Malaysia và Singapore thì không chứng minh được. Tôi hỏi bao lâu thu hồi được vốn cho nhà nước cũng không trả lời được. Tôi hỏi sân bay Long Thành này mỗi năm đóng góp cho tăng trưởng kinh tế là bao nhiêu cũng không tính toán được.”  Theo ông Tô Lâm, chính vì vậy dự án này dễ "nảy sinh ra lãng phí, tiêu cực, thậm chí thất thoát". Theo trang mạng The Traveler, công tác phòng chống tham nhũng cũng làm phức tạp thêm cho dự án. Các biện pháp kiểm soát chặt chẽ hơn có thể làm chậm quá trình ra quyết định hoặc phê duyệt do phải rà soát lại hồ sơ, đặc biệt là đối với các hạng mục thay đổi hoặc phát sinh thường xuất hiện ở giai đoạn sau của quá trình thi công.  The Traveler cũng ghi nhận hạ tầng kết nối giao thông chưa bắt kịp tiến độ của sân bay mới. Ngay cả khi các hạng mục cốt lõi của sân bay hoàn thành đúng hạn, vẫn còn đó những câu hỏi về khả năng tiếp cận sân bay Long Thành từ TP Hồ Chí Minh và các tỉnh lân cận. Nếu hạ tầng giao thông mặt đất không hoàn thiện kịp thời, những hành khách đầu tiên sử dụng sân bay Long Thành có thể phải đối mặt với thời gian di chuyển dài và khó lường, làm giảm đi lợi thế về sự thuận tiện mà sân bay này hứa hẹn mang lại. Về phần mình, ông Nguyễn Thiện Tống cũng nhấn mạnh đến những bất cập về kết nối giao thông với sân bay Long Thành: "Ngay cả kết nối tốt, nghĩa là có các đường cao tốc, có metro kết nối tốt, thì vẫn là tốn thời gian nếu như xét từ Thành phố Hồ Chí Minh, tạo ra sự bất lợi cho hàng không. Vì khoảng đường xa mà hiện nay kết nối không đầy đủ thì nguy cơ kẹt xe, nguy cơ chậm chuyến bay rất là cao. Không ai bảo đảm được giờ chính xác để đi ra sân bay, cũng như đi về. Đi trễ thì máy bay bay mất mà những hành khách bị kẹt xe và sẽ bị thiệt hại rất lớn. Nguy cơ kết nối không tốt làm cho hành khách không sử dụng sân bay có thể đưa đến viễn cảnh sân bay xây dựng hoành tráng mà trở thành lãng phí. Làm metro mà đến năm 2030 mới được hoạt động được, thế thì 3 năm không có phương tiện kết nối metro thì làm sao mà Long Thành thuận lợi được. Đường bộ thì bây giờ mới bắt đầu mở rộng và tốn rất nhiều tiền nhưng không chắc bảo đảm rằng thời gian đi ra Long Thành là vừa phải để không bị trễ chuyến bay. Không lo trước kết nối là sai lầm rất lớn khi xây sân bay Long Thành. Và bây giờ đã lỡ như vậy rồi thì càng không nên thúc hối sân bay Long Thành quá nhanh. Nếu mà chậm sân bay Long Thành chừng nào thì kết nối sẽ được thời gian để mà hoàn thiện, để phát triển nhanh lên chừng đó. Hiện nay việc kết nối chưa đầy đủ, tiến độ xây dựng không kịp thời mà thúc hối nhanh là một chuyện rất không hợp lý. Rồi xây nhà ga rất là lớn, diện tích quá nhiều. Chưa hết: kế hoạch ban đầu xây một đường băng thôi lại thúc hối để chính phủ ra quyết định làm thêm đường băng thứ nhì nữa là rất là lãng phí. Nói rằng dự phòng nếu trục trặc đường băng thứ nhất thì sử dụng đường băng thứ nhì. Rất là sai. Bởi vì nếu có trục trặc gì trong vấn đề cất cánh thì máy bay nằm đó chờ hoặc hủy chuyến bay. Còn hạ cánh có thể hạ cánh sân bay gần nhất là Tân Sơn Nhất. Không cần phải xây dựng đường băng mà lãng phí. Rất là lạ lùng. Phải nói là từ đầu thiết kế một sân bay hoành tráng quy mô lớn như vậy mà không tính toán, để rồi nửa chừng thi công giai đoạn 1 lại bổ sung làm thêm đường băng thứ nhì, quyết định một cách tôi cho rằng rất là cẩu thả, rất là lãng phí." Về hệ thống giao thông kết nối Thành phố Hồ Chí Minh với sân bay Long Thành, ngày 30/06 vừa qua, thành phố Đồng Nai đã khởi công xây dựng hai tuyến đường là Đường vành đai 4 dài hơn 46 km và Đại lộ Nguyễn Hữu Cảnh dài 15,5 km. Nhưng hiện chưa biết khi nào những công trình này sẽ hoàn thành. Về metro thì chính quyền TP Hồ Chí Minh đã công bố kế hoạch khởi công tuyến Thủ Thiêm - Sân bay Long Thành trước ngày 02/09, dự kiến đến năm 2030 sẽ hoàn thành. Nhưng ai cũng biết dự án metro rất phức tạp, khó mà bảo đảm tiến độ đề ra.  Trước mắt, trục lộ duy nhất đi từ TP Hồ Chí Minh đến sân bay là cao tốc TP Hồ Chí Minh - Long Thành - Dầu Giây vẫn thường xuyên bị kẹt xe nghiêm trọng. Hiện giờ đoạn từ TP Hồ Chí Minh đến Long Thành đang được mở rộng. Để giảm bớt sự phụ thuộc độc đạo vào trục cao tốc TP.HCM - Long Thành - Dầu Giây, mạng lưới hạ tầng kết nối xung quanh sân bay cũng đang được các địa phương gấp rút xây dựng, cụ thể là 2 tuyến đường dẫn kết nối trực tiếp T1 và T2 (dài hơn 11 km nối từ QL51 vào đến trung tâm nhà ga sân bay). 

Merci à Alexandre Aranda d'être venu sur Legend Docteur spécialiste du sommeil, il est venu partager ses meilleurs conseils pour mieux dormir. Sommeil en couple, pleine lune, cododo… Il répond à toutes nos questions et dévoile les clés d'un sommeil vraiment réparateur.Retrouvez toutes les informations concernant notre invité par ici ⬇️Son Site internet ➡️ l'école du sommeil - Éveillons-nous à mieux dormir®Son compte Linkedin ➡️Alexandre ArandaLinkedin école du sommeil ➡️ https://www.linkedin.com/company/ecoledusommeil-toulouse/Facebook école du sommeil ➡️ https://www.facebook.com/ecoledusommeil.toulouseInstagram ➡️ https://www.instagram.com/ecoledusommeil.toulouse/Guillaume est habillé en Lacoste ➡️ https://legend.s.gy/ac19RBRetrouvez l'émission avec Valentin Emeric par ici ➡️ Neuropsy : vous abîmez votre cerveau sans le savoir ! Avc, etc... Tout ce que vous ne saviez pas https://www.youtube.com/watch?v=IIgEczqHWTw&t=340s Pour prendre vos billets pour le LEGEND TOUR c'est par ici ➡️ https://www.legend-tour.fr/ Retrouvez la boutique LEGEND ➡️ https://shop.legend-group.fr/

In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer six listener questions on UK personal finance - from gifting money to children using the 'normal expenditure out of income' rules to whether ISA withdrawals can support one-off big spends. They also cover pension consolidation and FSCS protection, investing while living abroad, how DB pension accrual affects SIPP annual allowance, and how to bridge the gap to State Pension without over-relying on AVCs. Finally, they tackle the practical steps to opening a Stocks and Shares ISA - and how to get started with confidence. Practical, jargon-free guidance for UK savers and investors navigating pensions, ISAs, tax and retirement planning. Shownotes: https://meaningfulmoney.tv/QA53  02:35  Question 1 Hi Pete and Roger, I have followed meaningful money for around 6 years now and it has been an invaluable source of sensible advice which I have followed. This has left my wife and I in a very good situation for retirement as you will see below. You deserve an MBE at least!. Love the double act with Roger as well. I am 62 and my wife is 60 years young. Our total pensions will be around 35K a year which is all we need for our basic living cost and general going out etc. We have a house worth £750K with no mortgage and no debts. I have a DC pension around £920K and my wife around £650K and our two boys have just moved out of our house and so we are now retiring and relearning life B.C. (Before Children). I have begun looking into gifting them money out of excess income. I like the idea of giving with warm hands - and strangely so do my boys! Putting our scenario into google gemini, using UFPLS with regular drawdowns and keeping within the current 20% tax band we could each have around 50K income after tax over the next 30 years. Really cannot see us spending more than 40K/year travelling and this will certainly reduce in time as we get older and so will give the increasing excess to our kids. To keep HMRC documentation simple (hmm) we plan to use our joint account to give gifts to the boys but I am guessing that we will need to prove to HMRC that we have equal income to do this? So my wife will take 8.5K less from her DC pension than I from mine. I hope this all makes sense. I presume if our incomes were not balanced we would have to pay out from our individual accounts and document both for HMRC purposes? In addition I have 200K and my wife around £150K in ISAs and savings . I know we can each gift 3000/year from the ISA as well as using excess income from our pension. Again, I asked google gemini about this and apparently I can use the ISA for certain capital payments. Eg a) to buy a new car b) redo bathroom/bedroom c) a large holiday  Not sure what would be the position if we said our largest holiday each year is paid from an ISA and any other holidays are from our pension income and we still gift excess to the kids? - seems a very grey area. I am sure in time HMRC will look closer into this area. So I think it will be sensible to still use the ISA in the next few years and not take everything from the pension and possibly change to funds from accumulation to income as well? One last thought as all this is based on the current tax rates. The IHT rate NRB has not changed since 2009 and would be worth around £530K today and I am presuming there will be increasing pressure to raise this given house price growth and especially after 2027 when pensions are included in the estate for IHT? Best Regards, Bill   09:37  Question 2 Dear Pete and Roger, I can't thank you enough for the excellent free content you put out into the world. I recently got diagnosed with a degenerative condition which will affect me and my family down the line. Your podcast has inspired me to take control of my finances including putting the right protections (insurances) in place and using investing to help navigate a more uncertain future - THANK YOU! The information is accessible and you guys make me chuckle as I go about my day! My question... I am keen to make my life easy when it comes to managing my finances but I have hit a wrinkle in my plan. My preference would be to consolidate my pension into as few pension accounts and underlying funds as possible.  To me the levels of protection available through the FSCS seem too low to be compatible with keeping a pension all with one provider. Am I missing something? How do you think about balancing this risk, without ending up with lots of pension accounts with different providers? Additionally, I have been selecting the same low cost All-World tracker ETF across my family's ISAs and SIPPs, is this inherently risky too and should I aim to use different fund providers (perhaps that aim to achieve the same investment objective). Anyway, I may be being overcautious here or be misunderstanding the level risk but any reassurance would be greatly appreciated. Thank you again Andy   18:24  Question 3 Hi Roger and Pete, I'm 32 and I've been listening the podcast for a few years and the advice (particularly about investing) has helped me immensely. I have a question about investment portfolios when moving abroad. I moved away from the UK 2.5 years ago, at which point I stopped investing into Vanguard and moved to Interactive Brokers. I still have a decent amount invested in Vanguard, but I'm not sure whether it makes sense to consolidate everything into one platform or keep it split over two. I don't have any immediate plans to return to the UK, although I imagine I will eventually. Do you think it makes any difference in how the investments are split, or am I worrying about nothing? Thanks for sharing any of your *thoughts* and perhaps clearing this up for me. Keep up the amazing podcast, Michael (originally from Cornwall!)   21:23 Question 4 Hi Pete and Roger I recently discovered your podcast and am working my way though the back catalogue! I am finding it extremely informative and it is helping me demystify a subject I have found confusing for a long time, so thank you. My question is how do I calculate the amount I can contribute annually to my SIPP whilst also contributing to a DB pension and AVCs (£200/month)? My annual gross salary is £25744. I opened the SIPP to give me flexibility to retire earlier than 67 when I intend to access my DB pensions (as well as my current local government DB pension I have a deferred University DB pension from previous employment), ideally between 60-62, and access the SIPP along with my S&S ISA to bridge the gap. Thanks, Melanie   27:28 Question 5 Hello Pete & Roger, I'm a long time listener and as a result in far better financial shape than I was for many years, thank you. In work I am often akin to the Shawshank Redemption character Andy Dufresne as I find myself offering financial or pension scheme advice to colleagues. This advice ends with recommending your good selves and the knowledge repository that is the Meaningful Money archive and books! I am 56 and just over 4 years from my planned early retirement at 61,  when I will have 36 years contributing into a company DB pension. I plan on taking this in a stepped format (with PCLS) to offer a higher initial payment until my state pension starts 6 years later at 67. To maintain basic rate income tax, I am paying my maximum matched pension contributions plus AVC's through salary sacrifice (until 2029) to keep just under the 40% tax limits. My wife will be solely reliant on her (full) State Pension having not contributed to a personal pension, she will receive this when I am 64, meaning our combined funding danger zone will be around 3 years during which we may need funds to top up our income either from the PCLS pot or ISA savings to this final combined total, "our figure". So my question: You repeatedly talk about retiring with options such as having pensions, ISA's and savings etc. but I am concerned my pension and AVC fund will be totally concentrated with little else. After maximising the pension and AVC contributions it looks likely I will not contribute enough to fund a savings pot that could comfortably cover the 3 year danger zone. Will this pension / AVC concentration matter? Should I continue paying the AVC's to avoid higher rate tax on my income and recovering tax rebate into the AVC pot? To me this makes sense, but would funding a savings pot give us flexibility to fund our pension gap somehow that I am missing, and do I need to target an ISA or other savings pot in my remaining working years. This prospect would feel like not living for today, but retirement is in touching distance so might it be worthwhile? Many thanks & best regards, Tim   34:52  Question 6 To the Bruce Springsteen and Little Steven of the financial world! Hi guys my name is Cam, I'd just like to say you guys are absolutely fantastic at what you do, the knowledge you provide is genuinely incredible and immensely helpful. I think I speak for all your listeners when I say without your podcast there would be a lot of people struggling with personal finance! Keep up the good work Pete and Rog! I am 27 years old, 17 months ago I quit my 9-5 and started my own dog walking business, I have since trained to become a dog trainer too. My business has gone from strength to strength and I'm very proud. However the change from going from a wage structure to a varied income per month has been a tough adjustment especially when saving and wanting to invest and so on. I contribute to my pension each month, I pay into a LISA each month (for a first time home) the only thing I don't do is pay into a stocks and shares ISA. Firstly how do I open one? I have listened to your podcast for well over 2 years now and have listened to the majority of the back catalogue, I feel like I know what to do but it's a genuine fear that's stopping me from opening one. I don't know how to explain it - it's almost like my head is telling me 'don't open one you'll mess it up.' Is it literally as simple as sign up to a provider, open an account, add money in each month? I feel stupid saying I'm fearful of opening one but I genuinely am! The last part of my question is simply is there anything else I should be doing that I'm currently not?  Insurance wise I have income protection and the necessary insurances for my business. Thanks once again you absolute legends! Cam Boring Money ISA Comparison: https://www.boringmoney.co.uk/compare/stocks-and-shares-isas/ 

Milyonlarca yıldır yanıtını aradığımız o kadim soru: İnsan doğası nedir? Gerçekten doğuştan gelen sabit bir özümüz var mı, yoksa zihnimiz sadece toplumsal koşullarla şekillenen boş bir levha mı?İnsan evrimi ve insan davranışı arasındaki bağ nedir? İnsan davranışını belirleyen etkenler nelerdir ve genler kaderimizi ne kadar çizer? Bu bölümde popüler bilim mitlerini bir kenara bırakarak, modern bilimin sınırlarında bir yolculuğa çıkıyoruz.İnsan doğasına evrimsel ve nörolojik yaklaşımlar bize ne söylüyor? Nöroplastisite nedir ve beynimiz çevre etkisiyle nasıl yeniden şekillenir? Robert Sapolsky, Jonathan Haidt ve Steven Pinker gibi dünyaca ünlü bilim insanları bu sorulara ne cevap veriyor? İnsandaki evrimsel statü arzusu neden kaynaklanır ve saf özgecilik gerçekten mümkün müdür? İnsan davranışı tamamen kültürel olarak mı inşa edilir?Enerji ve teknoloji alanlarında iş yönetimi danışmanlığı faaliyetlerinde bulunan, multidisipliner kamu politikaları üreten Glocal Grup Danışmanlık'ın sunduğu Yerden Yüksek'te Dr. Bahadır Çelebi ve Prof. Dr. Burak Bilgehan Özpek, insan doğası tartışmaları ve bu tartışmaların sosyal bilimlerdeki yansımaları üzerine konuşuyor.https://groupglocal.com/contact/ #reklam #işbirliğiİlgili yayın: İnan Demirel. (2026, Haziran 6). OlmakLar3 | Liberal Olmak | Prof. Dr. Burak Bilgehan Özpek [Video.] YouTube. https://www.youtube.com/watch?v=n15jhdU6Y5000:00 Giriş00:25 Bu yayın Glocal Grup Danışmanlık'ın desteğiyle size ulaşıyor00:50 Siz hiç solcu olmayı düşündünüz mü?03:45 İnsan doğası kavramına Darwin'den genetiğe, evrimsel biyolojiden nörolojiye değin bakışlar 05:30 Marksistler neden "verili insan doğası"ndan hazzetmez?08:00 Nature ile nurture arasında insanın doğası12:00 Watson, Skinner, Davranışçı Ekol ve Küçük Albert Deneyi13:00 Liberaller, H. Spencer, Tabula Rasa/Boş Levha ve Evrimsel Sosyoloji16:00 Benim o konuşmamda insan doğasına dair iyi/kötü yargısı yok20:50 Evrimsel süreç ve psikolojik süreç birbirine karıştırılıyor23:00 301. çocuğu .ldürmek33:00 En son 50 yıl önce söylendi demek yerine kitap okumuyorum deyin38:45 Avcı-toplayıcılara dair verdiğiniz her örnek doğru olsa bile teziniz yanlış olabilir40:20 Bonobo, üzüm, salatalık ve insanın hayatta kalma süreci47:50 İnsan niye espri yapar, sanat yapar, Göbeklitepe'yi, Kudüs'ü yapar?56:50 "Dünyayı Anlamaya Çalışan Maymun"01:00:00 Kabilecilik01:05:40 İnsanın içinde yaşadığı yapı ve psikonöroloji01:12:00 Peki hocam, Homo Menfaatus diyorsunuz da cidden fedakâr, diğergam olanlar?01:20:00 Kaynaklar, maliyetler,01:24:00 Robert Sapolsky ve özgür irade01:31:00 Bu programı neden yaptık? (Yok, o kişilere cevaben değil)01:32:30 Stalin evreninde Kılıçdaroğlu'nun maceraları01:36:00 Tek tanrılı dinlerin insanlığa ve doğaya zararları⌨️━━━━━━━DAKTİLO1984 AİLESİNİN BİR PARÇASI OLUN!━━━━━━━⌨️

Fontes do episódio aqui:⁠https://portal.afya.com.br/podcasts/afya-news/19-06-2026Nesta sexta-feira, o boletim destaca dados históricos de sobrevivência oncológica, um mapeamento populacional massivo sobre demência e campanhas vacinais emergenciais na Europa. Analisamos o estudo da Queen Mary University of London que comprovou que a vacinação contra o HPV em adolescentes reduz a quase zero o risco de morte por cancro do colo do útero antes dos 30 anos. Detalhamos a análise epidemiológica com 800 mil pacientes que conectou a hipotensão, a hipertensão e o AVC a um risco significativamente maior de Doença de Alzheimer. Por fim, abordamos no Radar o surto letal de Meningite B no Reino Unido, que impulsionou uma vacinação emergencial focada em jovens universitários. Afya News. Informação médica confiável e atualizada no seu tempo.

Durante anos, a prevenção de AVC na fibrilação atrial seguiu uma lógica relativamente simples: identificar o risco tromboembólico e prescrever anticoagulação.Mas a prática clínica mostrou que a equação é mais complexa.Sangramentos maiores, hemorragias intracranianas, baixa adesão, fragilidade, quedas recorrentes e limitações socioeconômicas frequentemente colocam médicos e pacientes diante de decisões difíceis.No Ep. 228 do DozeCast, os hosts Diandro Motta e Victor Bemfica, recebem a cardiologista Dra. Brunna Pileggi e a neurologista Dra. Gisele Sampaio para analisar em profundidade o Champion-AF, estudo que avalia o fechamento percutâneo do apêndice atrial esquerdo (LAAC) com dispositivo Watchman como alternativa à anticoagulação oral direta em pacientes com fibrilação atrial.A grande provocação do estudo é simples: devemos continuar reservando o fechamento do apêndice atrial apenas para situações extremas ou chegou o momento de antecipar essa decisão?O que você vai aprender:

Aos 32 anos, Evandro viu sua vida mudar de forma repentina: o cabeleireiro que sonhava em ter o próprio salão passou a depender de cuidados diários após um AVC grave. Mas, para Anderson, o amor que construíram juntos nunca coube dentro de um diagnóstico. Anderson e Evandro se conheceram pela internet. Em poucos meses já dividiam a mesma casa, os mesmos planos e o sonho de empreender juntos. Com o passar dos anos, tornaram-se família um para o outro. No segundo semestre de 2023, começaram as dores de cabeça de Evandro. Eles não sabiam, mas eram sinais de que algo estava errado.Na segunda-feira de Carnaval de 2024, Anderson foi visitar a família em outra cidade e quando voltou, encontrou Evandro apoiado na pia do banheiro, pedindo ajuda porque já não sentia as pernas. Horas depois, ele estava inconsciente no hospital.Foram dias de incerteza, até que em um breve momento de esperança, Evandro voltou a falar. E, logo depois, a notícia que mudaria tudo: ele havia sofrido um AVC.Foram quase cinquenta dias de UTI até que os médicos falaram em cuidados paliativos. Anderson imaginou que estava se despedindo. Em vez disso, precisou aprender a cuidar. Aprendeu a aspirar a traqueostomia, adaptar a casa e reorganizar toda a vida.Em meio à rotina do hospital, uma pergunta mal feita atravessou Anderson. Um médico quis saber onde estava a família de Evandro. Por um instante, ele percebeu tudo o que haviam construído juntos, e respondeu que a família estava ali. Nos seus irmãos, nas cunhadas, na sua mãe que não saía do seu lado, sobretudo na sua presença também. Porque, depois de tantos anos compartilhando a vida, Anderson não era, nem nunca foi um simples companheiro. Ele é a família do Evandro.Atualmente, o quadro do Evandro é bastante complexo. Ele se comunica por olhares, expressões e pequenos sinais que só quem ama aprende a traduzir. E Anderson aprendeu que cuidar não é abandonar a própria vida, mas encontrar novas formas de compartilhá-la.Porque o caminho não ficou mais fácil, só ficou mais leve. E, às vezes, o amor não cura, no sentido que a gente acredita que seja a cura, mas permanece. E permanecer, em certos momentos, é o gesto mais bonito que existe.

260616(2) [스포츠 이슈] (1) 홍명보호, 체코에 2-1 역전승…32강행 5부능선 넘어 / (2) 멕시코 관중 ‘눈 찢기' 인종차별 논란 / (3) '195cm' 멕시코 수비 에이스, 개막전 퇴장 참사 / (4) 일본, 네덜란드와 무승부…북중미 휩쓰는 '아시아 돌풍' / (5) 키움 이용규 음주운전 / (6) 'VNL서 강등' 여자배구 대표팀, AVC컵 전승 우승 - 윤승재

Make a Logo on Fiverr Cloner Alliance Steps Up the UHD Pro 4K The Cloner Alliance UHD Pro 4K is a standalone video capture and recording box built for creators, gamers, and anyone who needs a simple way to record HDMI video without turning the setup into a complicated production rig. After looking at the previous Cloner Alliance Pro 4K model, this newer UHD Pro 4K brings some useful upgrades, including USB-C, microSD support, USB 3.0, and more flexible recording options. This is designed for pro video workflows, game capture, screenshots, camera recording, and even scheduled recording. It can capture in 4K, supports HDMI pass-through, and records to external storage including flash drives, microSD cards, and larger hard drives. What's in the Box? Inside the box, Cloner Alliance keeps things straightforward. You get the UHD Pro 4K unit, instruction materials, a remote control, HDMI cable, power adapter, and a USB-C to USB-A cable. A Welcome USB-C Upgrade One of the first noticeable changes is the move from micro USB to USB-C. That makes the UHD Pro 4K feel more modern and more useful in current creator setups. The device also includes USB 3.0 support, which matters when you are recording larger video files at higher bitrates. Ports and Controls On the top of the unit, you get physical controls for pause, snapshot, record, and stop. There are also audio inputs, including mic, aux, and line-in options. On the side, the unit includes microSD/TF card support, USB-C, and USB-A connectivity. On the back, you get the power button, 12V power input, HDMI input, and HDMI output for pass-through monitoring. Recording Options for Video Capture The Cloner Alliance UHD Pro 4K can record in MP4 or TS file formats. Resolution options include 4K, 1080p, or auto mode. For many users, auto mode will probably be the easiest choice, but having manual resolution control is useful when you need to lock the output to a specific format. H.264 and H.265 Recording The UHD Pro 4K supports both H.264 AVC and H.265 HEVC recording. That gives users some flexibility depending on whether they want broader compatibility or more efficient compression. The video bitrate can go up to 50 Mbps, which is a nice option for higher-quality captures. Just remember that a higher bitrate also means larger files, and your storage device needs to be fast enough to keep up. Audio Settings Audio options include HDMI audio, mic input, and aux input. You can adjust mic volume, aux volume, and HDMI output volume. The audio bitrate can be set up to 320 Kbps for better sound quality. That said, this is not a multitrack audio recorder. If you combine audio sources into the unit, they are recorded together. For serious productions, it is still better to manage audio separately when possible. Storage: Flash Drive, microSD, or Hard Drive The UHD Pro 4K supports recording to multiple storage types. You can use microSD/TF cards, USB flash drives, and larger external hard drives. The device can also test writing speed, which is useful before recording at higher bitrates. File Size and Loop Recording Recording file size options include unlimited, 4GB, 16GB, or two-hour segments. This lets you decide how the device breaks up long recordings. There is also loop recording, which makes the UHD Pro 4K useful beyond gaming and creator content. You could use it with a camera for basic security-style recording, where older files are overwritten once storage fills up. HDMI Pass-Through and Latency One of the biggest questions with any video capture device is latency. The UHD Pro 4K includes HDMI pass-through so you can send video to a monitor while recording. Better Than the Previous Model Compared with the earlier Cloner Alliance Pro 4K, the latency on the UHD Pro 4K appears improved. The older model had more noticeable delay, while this new version feels closer to the 50 to 100 millisecond range during pass-through testing. That is still not zero latency. For casual gameplay, recording, screenshots, or camera capture, it may be fine. For competitive gaming, you may still want to put a splitter before the Cloner Alliance box and monitor directly from the source. On-Screen Menus and Remote Control The UHD Pro 4K includes a remote for navigating system settings, recording settings, audio settings, scheduling, playback, and storage options. Settings You Can Adjust The system menu includes time settings, time zone, HDMI output resolution, HDMI output scale, screensaver, language, factory reset, and firmware information. The recording menu lets you choose format, resolution, file size, codec, bitrate, audio bitrate, loop recording, and watermark options. Remote Control Experience The remote works without needing to be aimed perfectly at the unit, which is a plus. However, it can be a little touch-and-go at times, occasionally needing more than one button press. Scheduling and Standalone Recording A big advantage of the Cloner Alliance UHD Pro 4K is that it does not always need a computer to record. You can connect your source, attach storage, and record directly from the unit. Scheduled Recording The device also includes scheduled recording options. That could be useful for capturing a camera feed, recording a recurring video source, or setting up a simple unattended recording station. Using the UHD Pro 4K With a Computer The UHD Pro 4K can also connect to a PC using the Cloner Alliance helper software. Once connected, you can preview the video feed, record to the computer, schedule recordings, choose capture devices, and configure folders for video and photo storage. Live Video and Virtual Camera Use The software also includes options for live broadcasting and virtual camera use. That means you can bring the Cloner Alliance feed into apps such as OBS, vMix, or other streaming software. The computer preview does introduce more latency than the HDMI pass-through monitor, so it is best used for setup, checking framing, or recording control — not as your main real-time display. Video Screenshots and Pro Video Uses The UHD Pro 4K is not just for recording full videos. The snapshot button makes it useful for grabbing video screenshots, especially from gameplay, cameras, or HDMI-based devices. Good for Creators and Reviewers For content creators, this can be a useful box to keep nearby. It can capture from a camera, record a gameplay feed, document a device's HDMI output, or act as a simple single-source recorder when you need something fast. Pros and Cons Pros The Cloner Alliance UHD Pro 4K is easy to set up, works as a standalone recorder, supports 4K capture, includes HDMI pass-through, offers USB-C and USB 3.0, supports higher bitrate recording, and works with the same Cloner Alliance software ecosystem. Cons There is still some latency, especially when using the computer preview. The remote can occasionally require extra button presses. Also, while the audio input options are useful, this is not a replacement for a dedicated multitrack audio workflow. Final Thoughts on the Cloner Alliance UHD Pro 4K The Cloner Alliance UHD Pro 4K is a solid upgrade over the previous model. The move to USB-C, the addition of microSD support, better storage flexibility, and improved latency make it a more capable video capture device for creators, gamers, and anyone working with HDMI video. It is easy to set up, flexible enough for standalone recording or computer-based capture, and useful for everything from pro video workflows to video screenshots. If you need a simple HDMI video capture and recording box that can work without a full computer setup, the UHD Pro 4K is worth a look. Check it out at https://geni.us/cauhdpro4k Check out the Geekazine Merch, including "I AM AI " T-Shirt.  Thanks for reading! Don't forget to subscribe to Geekazine: RSS Feed - YouTubeTwitter - Facebook Tip Me via Paypal.me Send a Tip via Venmo RSS Bandwidth by Cachefly Get a 14 Day Trial Be a Patreon: Part of the Sconnie Geek Nation! Reviews: Geekazine gets products in to review. Opinions are of Geekazine.com. Sponsored content will be labeled as such. Read all policies on the Geekazine review page.  Reviews: Geekazine is also an affiliate of Amazon Last Updated on June 10, 2026 1:49 pm by Jeffrey PowersThe post Cloner Alliance UHD Pro 4K Unboxing & Full Review appeared first on Geekazine.

260609(2) [스포츠이슈] (1) 홍명보호 평가전 2연승, 월드컵 담금질 마무리 / (2) 이정후, 15경기 연속 안타…멀티히트로 타격감 과시 / (3) ‘39분 만에 완파'…안세영, 야마구치 잡고 인니오픈 6연패 / (4) 여자배구대표팀, AVC컵 우즈베크전서 3-0 완승…A조 1위 - 윤승재

No episódio de hoje do Check-up Semanal, o Dr. Ronaldo Gismondi, editor-chefe médico do Portal Afya e do Whitebook, comenta os principais destaques recentes em Cardiologia, com foco em tromboembolismo venoso, biomarcadores cardíacos, fibrilação atrial, parada cardiorrespiratória e prevenção secundária do AVC.Falamos sobre o estudo MODS e a proposta de um novo protocolo com D-dímero para suspeita de TEP, as potenciais aplicações da razão cTnI/cTnT na interpretação da lesão miocárdica, a comparação entre os escores HAS-BLED, ORBIT e DOAC-score para avaliação de risco hemorrágico na fibrilação atrial, os resultados de longo prazo do estudo COACT após PCR sem supra de ST e as novas estratégias para otimização da pressão arterial após AVC ou AIT.Leia na íntegra os artigos mencionados hoje:Existe diferença no risco de sangramento entre rivaroxabana e apixabana no TEV?A razão cTnI/cTnT na lesão miocárdicaQual o melhor escore para predizer sangramento na FA?Angiografia imediata versus tardia após PCR em IAMSSST – COACT trialOtimização da pressão arterial após a fase aguda do AVC: novas fronteiras

A humorista Ana Arrebentinha é a convidada de Daniel Oliveira, no Alta Definição em podcast. A comediante natural de Amareleja, é conhecida pelo seu humor genuíno e sotaque alentejano inconfundível. Recorda com saudade uma infância de grande liberdade, entre o monte, os animais e as apanhas de azeitona e melão com a família. “Fui uma criança muito feliz. Era a menina do meu pai”, afirma. Ana fala sobre as raízes que moldaram o seu caráter e de como o trabalho digno dos seus pais lhe ensinou os valores que ainda hoje a guiam. O sonho de ser humorista parecia distante. Com 17 anos enviou um e-mail ousado para o programa Boa Tarde, da SIC: “Olá, eu sou a Ana e sei mais de 100 anedotas. Possivelmente vai ser mais um e-mail que vão eliminar, mas gostava muito de ir ao vosso programa.” Na primeira vez que entrou no estúdio de televisão percebeu que era aquilo que queria fazer para o “resto da vida.” A humorista reflete ainda sobre a perda do pai e o luto que nunca chegou a fazer, por se ter focado na sua mãe, que sofreu de uma doença grave. “Quando se perde um pai, perde-se a muralha que te protege. Há menos um lugar à mesa, fica um vazio”, explica. A comediante aborda também a sua sexualidade, que assumiu publicamente de forma natural, e sobre como o humor a salvou nos momentos mais difíceis da sua vida. “Cada vez que faço um espetáculo, salva-me.” Ouça a conversa intimista no Alta Definição, em podcast, emitido na SIC a 6 de junho. * A sinopse deste episódio foi criada com o apoio de IA. Saiba mais sobre a aplicação de Inteligência Artificial nas Redações da Impresa See omnystudio.com/listener for privacy information.

SPORTS: Alas Pilipinas begins AVC campaign vs Uzbekistan | June 6, 2026Subscribe to The Manila Times Channel - https://tmt.ph/YTSubscribe Visit our website at https://www.manilatimes.net Follow us: Facebook - https://tmt.ph/facebook Instagram - https://tmt.ph/instagram Twitter - https://tmt.ph/twitter DailyMotion - https://tmt.ph/dailymotion Subscribe to our Digital Edition - https://tmt.ph/digital Check out our Podcasts: Spotify - https://tmt.ph/spotify Apple Podcasts - https://tmt.ph/applepodcasts Amazon Music - https://tmt.ph/amazonmusic Deezer: https://tmt.ph/deezer Stitcher: https://tmt.ph/stitcherTune In: https://tmt.ph/tunein#TheManilaTimes#KeepUpWithTheTimes Hosted on Acast. See acast.com/privacy for more information.

Merci a Florence Servan-Schreiber d'être venue sur Legend. Et si le bonheur s'apprenait ?Dans cette émission, Florence, professeur de bonheur, partage ses techniques et exercices concrets pour améliorer le bien-être et cultiver le bonheur au quotidien. Le bonheur est-il génétique, culturel, ou le résultat d'un travail de tous les jours ? Invitée de Legend, elle répond à toutes nos questions sur ce sujet. Retrouvez toutes les informations concernant notre invité par ici ⬇️Son compte Instagram ➡️ https://www.instagram.com/flossforever/Son compte Linkedin ➡️ https://www.linkedin.com/in/florenceservanschreiber/Ses livres

Infarctus du myocarde, insuffisance cardiaque, valvulopathies, AVC... Les maladies cardiovasculaires sont la principale cause de décès au niveau mondial. Selon l'OMS, plus des trois-quarts des décès causés par ces maladies surviennent dans des pays à revenu faible ou intermédiaire. Facteurs de risques, dépistage, prise en charge et accès aux soins en fonction de critères régionaux et financiers. Un cardiologue répond à toutes les questions des auditeurs. Les maladies cardiovasculaires constituent aujourd'hui, selon l'OMS, la première cause de décès à l'échelle planétaire. Des risques au pluriel, qu'ils concernent les vaisseaux sanguins ou le muscle cardiaque.   De multiples troubles et affections se rangent dans la famille des maladies vasculaires : infarctus, AVC, cardiopathie rhumatismale malformation du cœur, et diverses atteintes des vaisseaux.  Des atteintes cardiovasculaires sur lesquelles il est possible d'agir à plusieurs niveaux : en amont, par la prévention, avec un certain nombre de changements, d'adaptation à opérer dans la vie quotidienne. Agir également de manière précoce, grâce au dépistage, la connaissance des antécédents, des explorations et en cas de diagnostic, la prise en charge : traitement, intervention, chirurgie ; plusieurs options qui s'offrent en fonction de la nature de l'atteinte, de l'urgence, de l'état général du patient.  D'où l'importance de détecter les maladies cardiovasculaires le plus tôt possible, en tenant compte des obstacles et des freins qui limitent l'accès aux soins : le défi du financement des traitements, la disponibilité du plateau technique, la formation des spécialistes et la sensibilisation des soignants dans leur ensemble.  Avec : Pr Roland N'Guetta, cardiologue interventionnel et directeur de la recherche de l'innovation et de la formation au sein de l'Institut de Cardiologie d'Abidjan en Côte d'Ivoire.  Programmation musicale :  ► Otis Redding – Pain in my heart ► Tank and the bangas, Lucky Daye – Move.

Victoria, 93 ans, raconte le deuil de son mari après 70 ans de vie commune et son adaptation à la malvoyance. Elle évoque aussi un AVC dont elle s'est remise sans séquelles, grâce à une prise en charge rapide et au soutien constant de sa famille. Malgré ces épreuves, elle décrit un quotidien très entouré, actif et tourné vers les autres. Chaque soir, en direct, Caroline Dublanche accueille les auditeurs pour 2h30 d'échanges et de confidences. Pour participer, contactez l'émission au 09 69 39 10 11 (prix d'un appel local) ou sur parlonsnous@rtl.frHébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Infarctus du myocarde, insuffisance cardiaque, valvulopathies, AVC... Les maladies cardiovasculaires sont la principale cause de décès au niveau mondial. Selon l'OMS, plus des trois-quarts des décès causés par ces maladies surviennent dans des pays à revenu faible ou intermédiaire. Facteurs de risques, dépistage, prise en charge et accès aux soins en fonction de critères régionaux et financiers. Un cardiologue répond à toutes les questions des auditeurs. Les maladies cardiovasculaires constituent aujourd'hui, selon l'OMS, la première cause de décès à l'échelle planétaire. Des risques au pluriel, qu'ils concernent les vaisseaux sanguins ou le muscle cardiaque.   De multiples troubles et affections se rangent dans la famille des maladies vasculaires : infarctus, AVC, cardiopathie rhumatismale malformation du cœur, et diverses atteintes des vaisseaux.  Des atteintes cardiovasculaires sur lesquelles il est possible d'agir à plusieurs niveaux : en amont, par la prévention, avec un certain nombre de changements, d'adaptation à opérer dans la vie quotidienne. Agir également de manière précoce, grâce au dépistage, la connaissance des antécédents, des explorations et en cas de diagnostic, la prise en charge : traitement, intervention, chirurgie ; plusieurs options qui s'offrent en fonction de la nature de l'atteinte, de l'urgence, de l'état général du patient.  D'où l'importance de détecter les maladies cardiovasculaires le plus tôt possible, en tenant compte des obstacles et des freins qui limitent l'accès aux soins : le défi du financement des traitements, la disponibilité du plateau technique, la formation des spécialistes et la sensibilisation des soignants dans leur ensemble.  Avec : Pr Roland N'Guetta, cardiologue interventionnel et directeur de la recherche de l'innovation et de la formation au sein de l'Institut de Cardiologie d'Abidjan en Côte d'Ivoire.  Programmation musicale :  ► Otis Redding – Pain in my heart ► Tank and the bangas, Lucky Daye – Move.

Nesta sexta-feira, analisamos a expansão do arsenal terapêutico na oncologia e descobertas que mudam o manejo vascular. Começamos pela decisão da Anvisa de ampliar as indicações do Datroway para cancro de mama triplo-negativo e do Imfinzi para cancro de bexiga de alto risco. Detalhamos um estudo que redefine a causa do AVC lacunar como sendo a fragilidade das pequenas artérias e não o acúmulo de gordura, o que explica a baixa eficácia de tratamentos convencionais nestes casos. Por fim, abordamos no Radar o potencial da IA generativa para automatizar processos administrativos e combater o burnout médico. Afya News. Informação médica confiável e atualizada no seu tempo.Fontes do episódio aqui:⁠https://portal.afya.com.br/podcasts/afya-news/15-05-2026

Nesta quinta-feira, analisamos a proposta de mudança de nome da SOP para "síndrome metabólica poliendócrina dos ovários", refletindo o seu impacto sistémico para além da ginecologia. Abordamos como a fragilidade muscular, manifestada por marcha lenta e baixa força de preensão, pode ser um marcador precoce de risco de AVC, aumentando a necessidade de vigilância em pacientes idosos. No Radar, discutimos o papel da inteligência artificial como uma ferramenta colaborativa desenhada para fortalecer a expertise clínica e melhorar a estratificação de pacientes. Afya News. Informação médica confiável e atualizada no seu tempo.Fontes do episódio aqui:⁠https://portal.afya.com.br/podcasts/afya-news/14-05-2026

Kurtlar Sofrasında Kadınlar'da 19 Ekim 1995'te, henüz 10 yaşında bir çocukken babası Fehmi Tosun'un, Avcılar'daki evlerinin önünden o döneme damga vuran beyaz Torosa bindirilerek götürüldüğüne tanıklık eden ve babasından bir daha haber alamayan Jiyan Tosun var. Çatışmalı yıllarda Diyarabakır'ın Lice'ye bağlı Licok Köyü'nden, ailesiyle İstanbul'a taşınan ve kaybedildikten sonra Cumartesi Anneleri'nin simge isimlerinden biri olan Fehmi Tosun'un beş çocuğundan biri olan Jiyan Tosun, annesi Hanım Tosun ile birlikte her cumartesi günü soluğu Galatasaray Meydanı'ında alıyor. Babasını kaybettiği güne kadar değil okul yüzü görmek, Türkçe bile bilmeyen Jiyan Tosun o tarihten sonra bir yandan çalışıp bir yandan da önce Türkçe sonra da okuma yazma öğrenip, açık öğretimden liseyi bitirdi. Eğitimini azimle sürdürerek üniversiteye de gitti. Hatta okul sırasına ilk kez üniversitede oturdu. Sonunda avukat olmayı başaran Tosun, halen İHD İstanbul Şube Başkanlığı görevini yürütüyor. Jiyan Tosun, Göksel Göksu'ya kendi oturduğu kurtlar sofrasını anlattı. Learn more about your ad choices. Visit megaphone.fm/adchoices

Neste episódio do Tomada de Decisão, Dr. Ronaldo Gismondi recebe a neurologista Dra. Carolina Braga para discutir um caso clínico de vertigem súbita no pronto-socorro.A partir de uma paciente de 62 anos com tontura intensa, náuseas, vômitos e dificuldade para caminhar, o episódio aborda como diferenciar causas periféricas e centrais, reconhecer sinais de alerta para AVC e decidir quais exames solicitar.Um conteúdo direto para médicos, internos e residentes que querem aprimorar o raciocínio clínico na emergência.

Por décadas, o café entrou no consultório como suspeito. Arritmogênico, hipertensor, possível gatilho de morte súbita. Em 2025, um ensaio randomizado publicado na JAMA virou essa narrativa de cabeça para baixo, e os dados são mais fortes do que você imagina.Neste episódio, o DozeCast convida o Dr. Bruno Mioto, cardiologista com doutorado em café e saúde cardiovascular, e Matheus Dominguito, um dos grandes produtores de café no Brasil, para uma conversa que mistura evidência clínica de alto nível com a arte de fazer uma boa xícara. Foram poucas as vezes em que a cardiologia e a cultura do café se encontraram tão bem.O que você vai aprender:

Nesta edição, analisamos estratégias para enfrentar doenças silenciosas e simplificar o cuidado crónico. Começamos pelo alerta sobre a doença renal crônica no Brasil, que pode afetar 500 mil pacientes nos próximos cinco anos, destacando a urgência de exames simples como creatinina e albuminúria. Detalhamos os benefícios da monitorização contínua de glicose (CGM) no Diabetes Tipo 2, que permite ajustes comportamentais e melhoria na HbA1c sem novos fármacos. Por fim, abordamos no Radar a eficácia da polipílula tripla na prevenção de AVC recorrente, uma estratégia que privilegia a adesão e a segurança em pacientes complexos. Afya News. Informação médica confiável e atualizada no seu tempo.Fontes do episódio aqui:⁠https://portal.afya.com.br/podcasts/afya-news/01-05-2026

Si les maladies infectieuses demeurent une cause majeure de mortalité dans la région africaine, les décès dus aux maladies chroniques sont en constante augmentation. Ce changement s'explique par la modification des habitudes telle que les habitudes alimentaires, la sédentarité et le vieillissement des populations. Parmi ces maladies chroniques, on compte les maladies cardiovasculaires. (Rediffusion) Comment mieux prévenir ces maladies ? Comment atteindre toutes les populations, même les plus reculées ? Quels sont les enjeux en matière d'accès aux soins de pointe en cardiologie ? Deux spécialistes mauritaniens partagent leur expérience.  AVC, infarctus, atteinte des valves cardiaques : ces maladies constituent, d'après l'OMS, la principale cause de décès au niveau mondial. Longtemps considéré comme un risque sanitaire majeur réservé aux pays développés, ces atteintes cardiovasculaires dépassent désormais les maladies infectieuses comme principale cause de mortalité dans la région Afrique.   Facteurs de risques évitables  Derrière cette tendance - la transition épidémiologique - on retrouve comme explication l'incidence croissante de maladies chroniques, de l'hypertension artérielle, du diabète ou du surpoids, associés à l'urbanisation, aux changements d'alimentation et à la sédentarité conjugués. Améliorer la prévention  Si ces modifications en termes de mode de vie expliquent, en partie, la croissance du risque cardiovasculaire à l'échelle de l'Afrique, un certain nombre d'insuffisances viennent encore majorer ce fardeau : pas assez de sensibilisation, pas assez de dépistage et de diagnostic précoce et pas suffisamment de suivi et de spécialistes, pour les patients chroniques, pour stabiliser et contrôler les symptômes.  Cette question de la prévention cardiovasculaire en Afrique, constitue donc un enjeu majeur à l'échelle du continent. Un enjeu, et même une priorité !  Avec :  Pr Sirakhé Camara, cardiologue à Nouakchott. Directeur du Centre National de Cardiologie et président de la Société mauritanienne de cardiologie Dr Fatimata Gatta Ba, cardiologue, cheffe de service des Urgences du Centre National de Cardiologie de Nouakchott en Mauritanie.    Programmation musicale : ► Innoss'B - Love Ya Rs  ► JAZZWRLD, MaWhoo, Thukutela, Gi-Ceejay – Uzizwa Kanjan.

Si les maladies infectieuses demeurent une cause majeure de mortalité dans la région africaine, les décès dus aux maladies chroniques sont en constante augmentation. Ce changement s'explique par la modification des habitudes telle que les habitudes alimentaires, la sédentarité et le vieillissement des populations. Parmi ces maladies chroniques, on compte les maladies cardiovasculaires. (Rediffusion) Comment mieux prévenir ces maladies ? Comment atteindre toutes les populations, même les plus reculées ? Quels sont les enjeux en matière d'accès aux soins de pointe en cardiologie ? Deux spécialistes mauritaniens partagent leur expérience.  AVC, infarctus, atteinte des valves cardiaques : ces maladies constituent, d'après l'OMS, la principale cause de décès au niveau mondial. Longtemps considéré comme un risque sanitaire majeur réservé aux pays développés, ces atteintes cardiovasculaires dépassent désormais les maladies infectieuses comme principale cause de mortalité dans la région Afrique.   Facteurs de risques évitables  Derrière cette tendance - la transition épidémiologique - on retrouve comme explication l'incidence croissante de maladies chroniques, de l'hypertension artérielle, du diabète ou du surpoids, associés à l'urbanisation, aux changements d'alimentation et à la sédentarité conjugués. Améliorer la prévention  Si ces modifications en termes de mode de vie expliquent, en partie, la croissance du risque cardiovasculaire à l'échelle de l'Afrique, un certain nombre d'insuffisances viennent encore majorer ce fardeau : pas assez de sensibilisation, pas assez de dépistage et de diagnostic précoce et pas suffisamment de suivi et de spécialistes, pour les patients chroniques, pour stabiliser et contrôler les symptômes.  Cette question de la prévention cardiovasculaire en Afrique, constitue donc un enjeu majeur à l'échelle du continent. Un enjeu, et même une priorité !  Avec :  Pr Sirakhé Camara, cardiologue à Nouakchott. Directeur du Centre National de Cardiologie et président de la Société mauritanienne de cardiologie Dr Fatimata Gatta Ba, cardiologue, cheffe de service des Urgences du Centre National de Cardiologie de Nouakchott en Mauritanie.    Programmation musicale : ► Innoss'B - Love Ya Rs  ► JAZZWRLD, MaWhoo, Thukutela, Gi-Ceejay – Uzizwa Kanjan.

Ce dimanche 26 avril, l'Ukraine commémorera les 40 ans de la catastrophe nucléaire de Tchernobyl. Une catastrophe environnementale et humaine qui a entraîné l'évacuation de dizaines de milliers de personnes de la région dans les jours qui ont suivi l'explosion du réacteur numéro 4. Parmi elles, des travailleurs de la centrale qui ont vu leur vie basculer ce 26 avril 1986. Ils partagent leurs souvenirs et racontent les conséquences de la catastrophe nucléaire pour eux et pour leurs familles. De notre correspondante à Kiev,  À Troieshchyna, un quartier résidentiel du nord-est de Kiev, des cerisiers en fleurs et des barres d'immeubles identiques d'une vingtaine d'étages se dressent. C'est dans ces bâtiments qu'après la catastrophe nucléaire de Tchernobyl, des liquidateurs et leurs familles ont été évacués. Volodymyr Vassilievitch faisait partie de la police routière qui évacuait des civils à l'époque. Il nous raconte les premiers jours après la catastrophe. « Nous avons embarqué dans un véhicule blindé, se rappelle-t-il. La cabine était recouverte de plomb pour bloquer les rayons radioactifs et nous sommes partis à l'hôpital. » Entre avril 1986 et 1988, Volodymyr a participé à des dizaines d'évacuations. Aujourd'hui, on estime qu'environ 300 000 personnes ont été déplacées de la zone. À l'époque, l'ampleur du désastre et de ses conséquences humaines et environnementales n'était pas encore connue, aussi bien pour les évacués que pour les fonctionnaires en charge des opérations. Volodymyr, lui, a été irradié pendant ses nombreuses missions et diagnostiqué à l'automne 1986. Après un premier séjour à l'hôpital, il a repris les évacuations puis a fait un accident cardiovasculaire. « En 1987, un AVC m'a paralysé tout le côté gauche. Je ne pouvais plus parler, explique-t-il. Mon visage et ma langue étaient déformés comme ceux d'un cadavre. J'avais alors 46 ans et j'en ai maintenant 86. » À lire aussiNatalia Manzurova, «liquidatrice», survivante de Tchernobyl Des alentours interdits au public En bas de son immeuble, Lioubov, 55 ans, discute avec ses voisines. Dans son enfance, elle a passé ses vacances dans ce qui est devenu la zone d'exclusion. « Mon oncle était liquidateur, il travaillait à la centrale. Avant cela, ça ressemblait à un conte de fées. Vous savez, il y a une rivière là-bas, si belle, et une forêt, des lacs, décrit-elle. Et quand nous sommes revenus au fil des années, tout était encore là, intact, comme si c'était hier. » Elle a aussi essayé de voir le nouveau sarcophage qui protège le monde des émanations radioactives du réacteur quatre, mais les alentours de la centrale sont inaccessibles au public. « Peut-être qu'il faut une autorisation spéciale. Il paraît que cette année, personne n'est autorisé à entrer dans la zone », relate-t-elle. Et pour cause, la zone d'exclusion est également devenue un théâtre de guerre. En février et mars 2022, elle a été occupée par les troupes russes. Pourtant, la mémoire de la catastrophe de Tchernobyl devrait servir de mise en garde pour prévenir tout nouvel incident nucléaire majeur, dont les conséquences pourraient s'étendre bien au-delà des frontières de l'Ukraine. À lire aussiUkraine: à Tchernobyl, Greenpeace craint de nouveaux rejets de radioactivité

L'hypertension artérielle est une maladie chronique qui se caractérise par une augmentation anormale de la pression dans les artères. Souvent longtemps asymptomatique, elle nécessite un traitement pour éviter les risques cardiovasculaires. Selon l'OMS, en 2024, 1,4 milliard d'adultes étaient concernés par l'hypertension dans le monde, dont 600 millions l'ignoraient. Peut-on prévenir l'hypertension artérielle ? Quels sont les traitements existants ? Comment améliorer le dépistage et la prise en charge ?  L'hypertension artérielle concernait en 2024, 1,4 milliard de personnes à l'échelle planétaire d'après l'OMS et près de la moitié d'entre elles l'ignorent. La cause de ce déficit de dépistage est simple : l'absence de symptômes, de douleur ou du moindre signal d'alerte. Aujourd'hui, seul un adulte sur cinq bénéficie d'une prise en charge qui permet de maîtriser correctement cette pression artérielle excessive.   Cette  maladie chronique non traitée peut avoir des conséquences redoutables à plusieurs titres. Vivre avec une hypertension non traitée, c'est à terme courir le risque de subir un AVC, de développer des atteintes cardiovasculaires potentiellement mortelles, comme un infarctus du myocarde ou une insuffisance cardiaque, ou encore de voir ses reins gravement abîmés.  Un certain nombre de facteurs, certains évitables, vont augmenter les risques de développer une hypertension : le vieillissement et  l'hérédité, mais aussi le surpoids, la sédentarité, ainsi que la consommation d'alcool et l'excès de sel.  Faire reculer les risques liés à l'hypertension, c'est donc à la fois améliorer son hygiène de vie, changer certaines habitudes, mais aussi faire mesurer régulièrement sa pression artérielle et comprendre comment mieux la contrôler.     Avec : Pr Michel Azizi, cardiologue, professeur de Médecine vasculaire à l'Université Paris Cité. Ancien chef de Service du Centre d'Excellence en Hypertension Artérielle de l'Hôpital Européen Georges Pompidou, APHP, à Paris. Membre correspondant de l'Académie Nationale de Médecine en France. Prix Galien pour ses travaux en recherche clinique en décembre 2025 Dr Véronique Laubhouet-Koffi, cardiologue au Centre de cardiologie Edlona à Abidjan en Côte d‘Ivoire, Fondatrice de la ligue Ivoirienne contre l'hypertension artérielle.  Programmation musicale :  ► E.J, Eboloko – Bobo ► Kareyce Fotso - Mama Hélène.

L'hypertension artérielle est une maladie chronique qui se caractérise par une augmentation anormale de la pression dans les artères. Souvent longtemps asymptomatique, elle nécessite un traitement pour éviter les risques cardiovasculaires. Selon l'OMS, en 2024, 1,4 milliard d'adultes étaient concernés par l'hypertension dans le monde, dont 600 millions l'ignoraient. Peut-on prévenir l'hypertension artérielle ? Quels sont les traitements existants ? Comment améliorer le dépistage et la prise en charge ?  L'hypertension artérielle concernait en 2024, 1,4 milliard de personnes à l'échelle planétaire d'après l'OMS et près de la moitié d'entre elles l'ignorent. La cause de ce déficit de dépistage est simple : l'absence de symptômes, de douleur ou du moindre signal d'alerte. Aujourd'hui, seul un adulte sur cinq bénéficie d'une prise en charge qui permet de maîtriser correctement cette pression artérielle excessive.   Cette  maladie chronique non traitée peut avoir des conséquences redoutables à plusieurs titres. Vivre avec une hypertension non traitée, c'est à terme courir le risque de subir un AVC, de développer des atteintes cardiovasculaires potentiellement mortelles, comme un infarctus du myocarde ou une insuffisance cardiaque, ou encore de voir ses reins gravement abîmés.  Un certain nombre de facteurs, certains évitables, vont augmenter les risques de développer une hypertension : le vieillissement et  l'hérédité, mais aussi le surpoids, la sédentarité, ainsi que la consommation d'alcool et l'excès de sel.  Faire reculer les risques liés à l'hypertension, c'est donc à la fois améliorer son hygiène de vie, changer certaines habitudes, mais aussi faire mesurer régulièrement sa pression artérielle et comprendre comment mieux la contrôler.     Avec : Pr Michel Azizi, cardiologue, professeur de Médecine vasculaire à l'Université Paris Cité. Ancien chef de Service du Centre d'Excellence en Hypertension Artérielle de l'Hôpital Européen Georges Pompidou, APHP, à Paris. Membre correspondant de l'Académie Nationale de Médecine en France. Prix Galien pour ses travaux en recherche clinique en décembre 2025 Dr Véronique Laubhouet-Koffi, cardiologue au Centre de cardiologie Edlona à Abidjan en Côte d‘Ivoire, Fondatrice de la ligue Ivoirienne contre l'hypertension artérielle.  Programmation musicale :  ► E.J, Eboloko – Bobo ► Kareyce Fotso - Mama Hélène.

Lucca Cirilo e João Urbano discutem as principais novidades da nova diretriz de manejo precoce de AVC isquêmico da AHA/ASA 2026. Referências em breve. 

L'érythritol perturbe les cellules endothéliales des microvaisseaux cérébraux à des doses équivalentes à une seule boisson sans sucre. Une étude de l'Université du Colorado (2026) montre une hausse de 75 % des radicaux libres, une réduction de la vasodilatation et une capacité de dissolution des caillots diminuée d'environ 25 %. Ces effets reproduisent in vitro les conditions cellulaires d'un risque d'AVC. L'érythritol est présent dans la grande majorité des protéines en poudre et barres kéto. Limite : étude sur cellules isolées, non sur organismes entiers. The post Érythritol danger cardiovasculaire, graisse brune et obésité sarcopénique appeared first on Fitnessmith.

If you're a UK beginner and you're not sure where to start investing in 2026, Pete and Roger talk you through a calm, step-by-step investing order to follow. They cover when to build a buffer, tackle expensive debt and use employer pension matching, plus how to choose between a Stocks and Shares ISA and a pension. You'll also hear the key beginner mistakes to avoid so you can invest with confidence and stay the course. Shownotes: https://meaningfulmoney.tv/QA43  02:00  Question 1 Hi Pete and Roger I'm late to investing but thanks to your informative and entertaining podcasts and books - I feel on track to at least a decent retirement. I'm on a £60K salary and currently manage to contribute around £25K annually via salary sacrifice - which keeps me happily and comfortably within the 20% Income Tax bracket. However, with the Salary Sacrifice Cap coming in April 2029, I will end up in the higher-rate tax bracket. I was thinking about using my employer's Car Benefit Salary Sacrifice Scheme to help bring down my taxable income – whilst still maintaining the maximum salary sacrifice and utilising Relief at Source my AVC. I'm fully aware of the saying "don't let the tax tail wag the investment dog" but I was planning on getting a car in 2029 – when my mortgage is completed – so this might be a good alignment. My question's are: Can you confirm whether the Salary Sacrifice Cap applies to pensions only — and does using the car salary sacrifice scheme seem like a sensible idea in this context? Is there anyway that paying into my AVC via Relief at Source and claiming the higher-rate relief via Self-Assessment would result in HMRC issuing me a new tax code for the following tax year. Keep up the good work – and all the best to you and your families for the festive season. Thanks, Cris 06:43  Question 2 Hi, I recently came across your podcast and have not stopped listening to all the older episodes, and look forward to the new ones each week. Keep up the great work! I'm a 53 year old business owner looking to exit my business within the next 3 years via a sale and hope to receive around £1.5 - £1.8m from my share of the proceeds after tax. My wife is 8 yrs younger than me and will probably still be working doing some consultancy work. She has her own pension and savings in ISA's (currently a combined pot of around £250k which will hopefully grow over the next 10+ years) but we wouldn't need to access that till much later as required. My 2 questions are: 1. What would be the best way to invest the lump sum from the sale of my business to provide an income to support my retirement without having to necessarily eat into the capital or touch too much of my savings / pension early on as it will need to provide for my wife and I for quite a few years if we retire / semi retire in our mid 50's. Having looked at our living costs we would need around £60k p.a - albeit to live comfortably. Any holidays / large purchases etc could be funded through savings. 2. How would you prioritise what pot of funds you use first to make it the most tax efficient, enable growth and ensure that the pots do not run out. Given the new IHT rules on pensions is it now wise to use those first including the 25% tax free lump sum or use the ISA's / savings first leaving the pensions to continue growing in their tax wrapper. Thanks, Jeremy Meaningful Academy Retirement Planning: https://meaningfulacademy.com/retirementplanning  14:53  Question 3 Hello Peter and Roger You answered a previous question for me on the podcast so thank you for that, and I hope you don't mind me asking another one! We're in the very fortunate position of being able to pay the full £60,000 annual allowance into my pension scheme this tax year and are considering making additional contributions using unused allowance from previous years.  I understand that the total contribution we could make would still be limited by my annual salary this tax year - my question relates to how that is defined. The contributions are made using a combination of salary sacrifice into my work scheme and lump sum contributions to my SIPP which is separate from the work scheme.  So, would my "salary" that would be the limit for total contributions be the salary before salary sacrifice or after?  And is the "salary" further reduced by the contributions to the SIPP, as I believe my adjusted net income for calculating tax bands is? Perhaps some hypothetical numbers would help.  Let's say my gross salary before salary sacrifice is £125,000 and I salary sacrifice £25,000, and my employers' contribution is £5,000.  Let's say I also pay £24,000 by bank transfer into my SIPP, so I'd receive £6,000 of tax relief into the SIPP.  If I've understood it correctly, my adjusted net income for tax purposes would be £70,000 (which is £100,00 salary after salary sacrifice minus £30,000 gross contribution to SIPP).  In total, £60,000 has been paid into my pensions which is the full annual allowance for this year. If I had £120,000 of unused pension allowance from the previous three tax years, what is the maximum additional amount I could pay into my SIPP this tax year?  Is it £65,000 gross (so £52,000 net), to bring the total paid into my pensions up to £125,000, my pre-sacrifice salary?  Or £40,000 gross (so £32,000 net), to bring the total paid into my pensions up to £100,000, my post-sacrifice salary?  Or some other amount, if the salary that counts for this year is limited to the adjusted net income? Thanks so much for your help - I know it's a bit technical but I can't seem to find the answer anywhere! All the best, Fran   19:33 Question 4 Dear Pete and Roger, I've been listening to the podcast for years now, and it always makes my Wednesday commute more enjoyable. Every time I hear your names together, I think of The Who, so thanks for all you do, helping people of My Generation become Finance Wizards and make smarter decisions so we don't get Fooled Again. I'm 34, and after working in the small charity sector since university, I've accepted a role in a larger organisation which comes with a significant pay increase, taking my income over the Higher Rate threshold. As I step into this new tax band, what reliefs, allowances, or financial planning considerations should I be thinking about? In particular, I'm aware there are some reliefs (particularly for Gift Aid donations and pension contributions) that I will be able to claim through self assessment; do they 'compete' with each other in any way, or can I claim the full relief on both? Thanks for all you do, Tim   23:40  Question 5 Pete & Roger Great podcast - don't ever retire! I've just started receiving my state pension (now you know how old I am) but I was wondering how I can check that the government are paying me the correct amount. I have more than a full set of NI class 1 contributions but I've also had some years contracted out and some years working abroad in a country with a reciprocal arrangement with the UK (which I've claimed for). The government just sent me a statement telling me how much I would get paid without any detail behind it. How can I check that they have made the correct deductions for contracting out and the correct additions for my time abroad? Call me cynical but I don't always trust the government to get these calculations right. Many thanks, Glen   26:58  Question 6 Hi,  great show by the way, very informative, it has certainly helped me and I'm sure is great help to many others. My wife Michelle is planning to retire at the end of March, age 58.5.  She is self employed, a relatively low earner and finds the work tiring now. I myself am 56 soon and likely to work another 2 year (max), I am luckily enough to receive a decent salary and have above average pension provision. Michelle has the following pension savings -  £143k in bank savings (not isa), £130k S&S ISA, £118k SIPP - all combined £391k. I realise markets are high at the moment. Plan to use 4% rule and reduce when State Pension kicks in (have full NI Contributions). So assuming want £15k pa (and rise annually with inflation), my query (that many others may have) is it best to use the cash or the ISA or the SIPP first or mix it up?  Michelle is very unlikely to have to pay income tax, until State Pension triggers at 67. Any advice much appreciated, Jason  

Nous sommes le 28 février 1881. Louis Pasteur écrit : « Et voilà que la virulence nous apparaît sous un jour nouveau qui ne laisse pas d'être inquiétant pour l'humanité, à moins que la nature, dans son évolution à travers les siècles passées, ait déjà rencontré toutes les occasions de production des maladies virulentes ou contagieuses, ce qui est fort invraisemblable. Qu'est-ce qu'un organisme microscopique inoffensif pour l'homme ou pour tel animal déterminé ? C'est un être qui ne peut pas se développer dans notre corps ou dans le corps de cet animal ; mais rien ne prouve que, si cet être microscopique venait à pénétrer dans une autre des mille et mille espèces de la création, il ne pourrait l'envahir et la rendre malade. Sa virulence, renforcée alors par des passages successifs dans les représentants de cette espèce, pourrait devenir en état d'atteindre tel ou tel animal de grande taille, l'homme ou certains animaux domestiques. Par cette méthode on peut créer des virulences et des contagions nouvelles. Je suis porté à croire que c'est ainsi qu'ont apparu, à travers les âges, la variole, la syphilis, la peste, la fièvre jaune, etc.., et que c'est également par des phénomènes de ce genre qu'apparaissent, de temps à autres, certaines grandes épidémies. » En 1881, Pasteur a déjà mis au point les vaccins contre le choléra des poules et contre la maladie du charbon. Quatre ans plus tard, ce sera la première vaccination humaine contre la rage. « Bienfaiteur de l'humanité », c'est ainsi que la savant est passé à la postérité. Il est à l'origine des plus grandes révolutions scientifiques du XIXe siècle, dans les domaines de la biologie, de la médecine, de l'agriculture ou encore de l'hygiène. Travailleur acharné, il a effectué ses travaux les plus connus alors qu'il était déjà à moitié paralysé à la suite d'un AVC. Qui était Pasteur ? Quel mari, quel père, quel collègue, quel rival dans la recherche ? Partons sur les traces d'un homme qui a changé l'humanité… Avec nous : Annick Perrot qui fut conservatrice du musée Pasteur et Maxime Schwartz qui fut directeur général de l'Institut Pasteur. Auteurs de l'ouvrage « Pasteur – L'homme et le savant » ; éd. Tallandier Sujets traités : Louis Pasteur, savant, biologie, révolution, scientifique, variole, syphilis, peste, fièvre jaune, Merci pour votre écoute Un Jour dans l'Histoire, c'est également en direct tous les jours de la semaine de 13h15 à 14h30 sur www.rtbf.be/lapremiere Retrouvez tous les épisodes d'Un Jour dans l'Histoire sur notre plateforme Auvio.be :https://auvio.rtbf.be/emission/5936 Intéressés par l'histoire ? Vous pourriez également aimer nos autres podcasts : L'Histoire Continue: https://audmns.com/kSbpELwL'heure H : https://audmns.com/YagLLiKEt sa version à écouter en famille : La Mini Heure H https://audmns.com/YagLLiKAinsi que nos séries historiques :Chili, le Pays de mes Histoires : https://audmns.com/XHbnevhD-Day : https://audmns.com/JWRdPYIJoséphine Baker : https://audmns.com/wCfhoEwLa folle histoire de l'aviation : https://audmns.com/xAWjyWCLes Jeux Olympiques, l'étonnant miroir de notre Histoire : https://audmns.com/ZEIihzZMarguerite, la Voix d'une Résistante : https://audmns.com/zFDehnENapoléon, le crépuscule de l'Aigle : https://audmns.com/DcdnIUnUn Jour dans le Sport : https://audmns.com/xXlkHMHSous le sable des Pyramides : https://audmns.com/rXfVppvN'oubliez pas de vous y abonner pour ne rien manquer.Et si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Türkü Avcı is a Turkish writer, commentator, and student of Political Science and Communication at the Hebrew University of Jerusalem. Born and raised in Turkey, she developed a deep interest in Middle Eastern affairs from a young age and sought to experience Israel firsthand in order to understand the region beyond the narratives she encountered at home. In 2021, despite warnings that she might face hostility or rejection, she moved to Jerusalem—a decision that shaped her worldview and strengthened her commitment to dialogue and bridge-building.For more, you can follow the show on Instagram @GraceforimpactpodcastProduced by Peoples Media Hosted on Acast. See acast.com/privacy for more information.

Jean-Michel Ricard, cofondateur de l'association Siel Bleu et pionnier de l'activité physique adaptée en France. Je le reçois dans le cadre du Podcasthon car tous vos podcasteurs préférés cette semaine vont mettre en lumière l'association de leur choix et j'ai donc fait le choix de mettre le mouvement en avant. Jean Michel a une douceur totalement incroyable.Il y a presque 30 ans, lui et son ami Jean-Daniel se sont serré la main sur un pari un peu fou : utiliser le mouvement comme outil pour redonner de la vie, du sourire et de la dignité à des personnes que la société avait tendance à oublier. Aujourd'hui, Siel Bleu, c'est 900 salariés, 10 000 lieux d'intervention et 250 000 personnes accompagnées chaque semaine en France — des personnes âgées dépendantes, des enfants autistes, des gens en rémission de cancer, des personnes dialysées ou en soins palliatifs. Et tout ça sans jamais rentrer dans les cases.Dans cet épisode, nous parlons du mouvement comme médicament sans effets secondaires, de ce que ça veut vraiment dire de prendre soin des gens en fragilité, et de la différence entre le confort à court terme et la santé à long terme. J'ai questionné Jean-Michel sur la naissance de Siel Bleu, sur ce que la science dit vraiment de l'activité physique face à Alzheimer, Parkinson ou le cancer du sein, sur les "séjours hors du temps" pour jeunes adultes en fin de vie, et sur ce que 30 ans d'engagement associatif lui ont appris sur ses angles morts. C'est une conversation pleine de douceur, de conviction et de sagesse concrète.CITATIONS MARQUANTES"L'activité physique, ça devrait être le médicament du XXIe siècle. Ça n'a aucun effet secondaire, ça coûte pas cher, et ça change la vie des gens.""Après avoir donné des années à la vie, donnons de la vie aux années." — le premier slogan de Ciel Bleu, qui résume tout."Si on ferme la porte, on passera par la fenêtre. Et il faut qu'ils en soient sûrs.""La vie est la plus belle des garces. Tout ce qu'on croit qui est gagné, c'est jamais gagné.""Celui qui s'est penché sur une fleur n'aura pas vécu en vain." — citation de Christian Bobin, convoquée pour parler de prendre le temps d'écouter son corps.IDÉES CENTRALES 1. Le mouvement est un outil, pas une finalité Ciel Bleu ne fait pas du sport pour faire du sport. L'activité physique adaptée est un vecteur de reconquête : physique (réduction des chutes, de la sarcopénie, des escarres), cognitif (ralentissement d'Alzheimer, de Parkinson), et social (recréer du lien, sortir de l'isolement). Ce cadrage est fondamental : il déplace le mouvement de la performance vers la vie. Timestamp : 06:33 – 07:542. La prévention coûte moins cher que le curatif — mais personne n'investit dedans La France est dans un modèle de santé essentiellement curatif. Jean-Michel plaide pour une partie du budget de la Sécu investie en prévention pluriannuelle. Les chiffres sont là : plus de 10 000 personnes âgées meurent chaque année en France suite à des chutes. Le programme Ossebo, publié dans le British Medical Journal, l'a démontré : l'activité physique réduit significativement ces hospitalisations. Timestamp : 16:52 – 17:22 et 13:38 – 14:523. Les "séjours hors du temps" : redonner le choix à ceux qui n'en ont plus Pour des jeunes ados et jeunes adultes dont le pronostic vital est engagé, Ciel Bleu a imaginé des séjours d'une semaine où tout est construit avec eux — famille ou pas, amis ou pas — pour démontrer que la joie de vivre peut être présente jusqu'au bout. Un frère a écrit un article bouleversant sur son frère décédé, décrivant ce séjour comme le meilleur moment de sa vie. Timestamp : 22:11 – 24:284. L'écart salarial 1 à 3 comme ciment organisationnel Il y a 30 ans, avant que ça devienne tendance, Ciel Bleu a inscrit dans ses principes fondateurs un écart de salaire de 1 à 3 entre le moins et le mieux payé. À 900 salariés, ce principe tient encore. Ce n'est pas un gadget RSE : c'est un choix structurant qui dit quelque chose de fort sur ce qu'on considère juste dans une organisation. Timestamp : 29:41 – 30:225. Donner envie d'avoir envie — et pas moraliser La pédagogie de Ciel Bleu repose sur une conviction : on ne force pas, on ne culpabilise pas, on fait naître l'envie. Jean-Michel convoque Jacques Brel ("donner envie d'avoir envie") pour décrire le savoir-faire de ses collègues. Travailler sur les capacités restantes, jamais sur les incapacités. Ne jamais mettre les gens en échec. Timestamp : 27:25 – 28:48 et 43:26 – 44:326. L'être humain n'est pas fait pour s'asseoir Jean-Michel et Gregory s'accordent sur une vérité physiologique inconfortable : l'humain est un marcheur-cueilleur. La sédentarité est une anomalie évolutive. Le confort à court terme (sièges gaming, vélos électriques, télécommandes) masque une dégradation lente mais certaine. Et la discipline pour y résister n'est pas naturelle — elle s'apprend. Timestamp : 56:08 – 57:53 QUESTIONS POSÉES DANS L'INTERVIEWComment est née l'association Ciel Bleu, et qu'est-ce qui vous a poussés, toi et Jean-Daniel, à créer ça à la sortie de la fac ?Il y a 30 ans, le mouvement vous semblait déjà fondamental pour les personnes âgées — pourquoi ?Qu'est-ce que le mouvement permet vraiment, à tous les niveaux — physique, cognitif, social ?Où en est Ciel Bleu aujourd'hui, en chiffres et en principes ?Comment ça fonctionne concrètement pour quelqu'un en rémission d'un cancer du sein qui veut vous contacter ?C'est quoi les "séjours hors du temps" et comment cette idée est née ?Vous faites des groupes de niveaux, vous mélangez les publics — comment vous gérez la diversité des profils ?Qu'est-ce que tu conseilles à quelqu'un de bien portant pour prendre soin de son corps avant d'avoir besoin de vous ?Comment tu regardes l'explosion des mobilités électriques, les vélos assistés, les trottinettes — bonne ou mauvaise nouvelle pour le mouvement ?Qu'est-ce que ces 30 ans d'expérience t'ont appris sur tes angles morts ?RÉFÉRENCES CITÉES DANS L'ÉPISODEPersonnesChristian Bobin (poète) — cité pour la phrase "Celui qui s'est penché sur une fleur n'aura pas vécu en vain", à propos de prendre le temps d'écouter son corps. ~37:29Gilles Deleuze — cité pour sa phrase d'introduction à Vincennes : "Soyons joyeux pour résister." ~58:04Jacques Brel (inféré, "grand poète belge-français") — "Donner envie d'avoir envie." ~27:25Elon Musk — mentionné en négatif pour sa posture sur la consommation des data centers et l'idée de coloniser Mars. ~53:19Olivier Hamon — mentionné en lien avec le concept de robustesse. ~54:04Daniel Kahneman — mentionné par Gregory (système 1/système 2) pour parler de la fainéantise physiologique de l'humain. ~56:08Alexandre Dana — auteur du livre "La chaise tue", cité en référence à un épisode précédent de VLAN sur le mouvement. ~02:54 et 57:27Jean-Daniel Muller — cofondateur de Ciel Bleu, évoqué tout au long de l'épisode.Institutions & programmesInserm — partenaire scientifique du programme Ossebo sur la prévention des chutes. ~13:38BMJ (British Medical Journal) — journal ayant publié les résultats du programme Ossebo. ~13:38Fédération des banques alimentaires — partenaire associatif de Ciel Bleu. ~17:31STAPS (Sciences et Techniques des Activités Physiques et Sportives) — formation initiale de Jean-Michel et Jean-Daniel. ~03:48Programmes internes Ciel BleuOssebo — programme de recherche avec l'Inserm sur la prévention des chutes, 7 ans, l'un des plus grands au monde. ~13:38Maisons de Vie — séjours de récupération pour personnes en rémission de cancer. ~19:41Séjours hors du temps — séjours pour jeunes ados/adultes en fin de vie. ~22:49Campagne "Un pas de côté" — campagne grand public lancée en parallèle des JO, avec Paulette (92 ans, médaillée du 30 mètres couloir), Marianne (dialyse) et Audrey (troubles autistiques). ~46:53TIMESTAMPS CLÉS 00:00 — Introduction : le mouvement comme outil de vie Grégory pose le cadre : dans une société de confort, on bouge de moins en moins sans réaliser le mal qu'on se fait. Jean-Michel Ricard, fondateur de Ciel Bleu, arrive pour changer ce regard.03:48 — La naissance de Ciel Bleu Jean-Michel raconte comment lui et Jean-Daniel, étudiants en STAPS, ont décidé de tout planter pour créer une asso dédiée aux personnes âgées. Un article de presse, un coup de téléphone, une poignée de main — et 30 ans d'aventure humaine ont commencé.06:33 — Pourquoi le mouvement change tout Trois niveaux d'impact : physique (réduction des chutes et fractures), cognitif (confiance en soi, prise de risque), et social (recréer du lien quand l'isolement s'installe). Le mouvement comme médicament sans ordonnance.08:40 — 900 salariés, 250 000 personnes, 10 000 lieux L'état des lieux de Ciel Bleu aujourd'hui : une organisation qui a grandi sans jamais renier ses principes fondateurs, avec un modèle économique solidaire et une mission claire : que rester en bonne santé reste un droit, pas un luxe.13:38 — Le programme Ossebo et la science derrière 7 ans de recherche avec l'Inserm, publié dans le British Medical Journal : l'activité physique adaptée réduit significativement les chutes avec hospitalisation chez les personnes âgées. Ce n'est pas du bien-être — c'est de la médecine préventive prouvée.19:41 — Les Maisons de Vie pour les personnes en rémission de cancer Des séjours d'une semaine pour poser "la valise de la vie" : sport, alimentation, ateliers d'écriture, astrophysique. Pour se rappeler que la vie est belle jusqu'au bout, quoi qu'il arrive.22:11 — Les séjours hors du temps : l'incroyable histoire Pour des jeunes ados dont le pronostic vital est engagé, Ciel Bleu imagine des semaines où tout appartient à la personne. L'histoire d'un frère qui écrit un article bouleversant sur son frère décédé, racontant ce séjour comme le meilleur moment de sa vie.29:41 — Construire une asso hors des cases : 30 ans de résistance L'écart salarial de 1 à 3, les portes fermées, les financeurs qui ne comprennent pas. Jean-Michel parle franchement des difficultés de ne jamais rentrer dans les cases, et de ce qu'il ferait différemment.40:24 — Des exemples concrets : AVC, Parkinson, Alzheimer Un homme donné pour invalide à vie après un AVC au Limousin remarche et refait son jardin. Des programmes scientifiques qui montrent que l'activité physique ralentit la progression d'Alzheimer. Des histoires vraies, pas des promesses.46:53 — La campagne "Un pas de côté" : Paulette, Marianne, Audrey Lancée en parallèle des JO, cette campagne met en scène trois femmes — 92 ans en déambulateur, dialyse sur vélo, troubles autistiques — pour dire que les grandes victoires sont faites de petits pas. Bouleversant et juste.54:20 — Ce qui donne envie du futur Les jeunes, la robustesse, la joie rebelle de Grégory, Deleuze à Vincennes — une fin d'épisode qui remonte le moral et donne une vraie raison d'aller de l'avant.59:54 — Les angles morts de 30 ans d'engagement La question finale, inattendue : Jean-Michel parle de s'entourer de mieux que soi, d'une colère transformée en actes, et de cette vérité dure — rien n'est jamais acquis. La liberté, l'amour, la République. Il faut en prendre soin. Suggestion d'autres épisodes à écouter : #366 Pouquoi votre bureau vous rend malade? Avec Alexandre Dana (https://audmns.com/vHxgVHq) #322 Démystifier le bien-être avec Major Mouvement (https://audmns.com/IfubNER) #257 Se réapproprier ses émotions à travers le corps avec Bolewa Sabourin (https://audmns.com/hNQWsty)Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Kurt Friedrich Gödel foi um austríaco que, em 1931, formulou teoremas que marcaram uma mudança profunda na lógica, na filosofia da matemática e nas fundações da computação. Afinal, o que é a teoria da Incompletude de Godel? Confira o papo entre o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza. >> OUÇA (53min 51s) * Naruhodo! é o podcast pra quem tem fome de aprender. Ciência, senso comum, curiosidades, desafios e muito mais. Com o leigo curioso, Ken Fujioka, e o cientista PhD, Altay de Souza. Edição: Reginaldo Cursino. http://naruhodo.b9.com.br * APOIO: INSIDER Agora não tem mais pra onde fugir: o ano começou. Março é o primeiro grande momento de decisão do ano. É quando você percebe que vai precisar de roupa que funcione de verdade. Para trabalhar. Para treinar. Para viajar. Para viver. Março é também o Mês do Consumidor: a primeira grande oportunidade de compra do ano. É hora de tomar uma decisão inteligente para não precisar escolher de novo daqui a dois meses. Clientes recorrentes têm 15% de desconto. Primeira compra tem 20% de desconto. E todo mundo pode somar esses descontos com os descontos do Mês do Consumidor e chegar a até 50% de desconto total. Então, minha dica é: use o endereço a seguir pra ter o cupom NARUHODO aplicado ao seu carrinho de compras. >>> creators.insiderstore.com.br/NARUHODO Ou clique no link que está na descrição deste episódio. INSIDER: inteligência em cada escolha. #InsiderStore * REFERÊNCIAS Teorema de Gödel (SciCast #474) https://www.deviante.com.br/podcasts/scicast-474/ ALTAY DE SOUZA (NARUHODO) - Entre sistemas e discursos https://www.youtube.com/watch?v=kW21iEryZvY&t=5s Lyotard JF. La condition postmoderne: rapport sur le savoir. Paris: Les Éditions de Minuit; 1979. https://www.leseditionsdeminuit.fr/livre-La_Condition_postmoderne-2180-1-1-0-1.html Glaser BG, Strauss AL. The discovery of grounded theory: strategies for qualitative research. New York: Aldine Transaction; 1967. http://www.sxf.uevora.pt/wp-content/uploads/2013/03/Glaser_1967.pdf Bardin L. Análise de conteúdo. Lisboa: Edições 70; 1977. https://ia802902.us.archive.org/8/items/bardin-laurence-analise-de-conteudo/bardin-laurence-analise-de-conteudo.pdf Malinowski B. Argonauts of the Western Pacific. London: G. Routledge & Sons; 1922. https://www.gutenberg.org/files/55822/55822-h/55822-h.htm Spinoza on free will and freedom. Internet Encyclopedia of Philosophy [Internet]. 2024 https://iep.utm.edu/spinoza/ Nagel E, Newman JR. A Prova de Gödel. São Paulo: Perspectiva; 2001. https://www.amazon.com.br/Prova-G%C3%B6del-Ernest-Nagel/dp/8527301555 Bourdieu P. The Logic of Practice. Stanford: Stanford University Press; 1990. https://monoskop.org/images/8/88/Bourdieu_Pierre_The_Logic_of_Practice_1990.pdf Gödel K. On Formally Undecidable Propositions of Principia Mathematica and Related Systems. New York: Dover Publications; 1992. https://monoskop.org/images/9/93/Kurt_Gödel_On_Formally_Undecidable_Propositions_of_Principia_Mathematica_and_Related_Systems_1992.pdf Foucault M. The Order of Things: An Archaeology of the Human Sciences. New York: Vintage Books; 1994  https://monoskop.org/images/a/a2/Foucault_Michel_The_Order_of_Things_1994.pdf Naruhodo #405 - O que é o infinito? https://www.youtube.com/watch?v=Vdu5LRFKa-M Naruhodo #447 - O que é AVC e como evitá-lo? #TodosPeloPirulla https://www.youtube.com/watch?v=vRu9cet1TWM Naruhodo #442 - Qual o efeito da arte sobre nós? https://www.youtube.com/watch?v=9pgyTDtRbeo Naruhodo #343 - O que é e como funciona uma relação estética? https://www.youtube.com/watch?v=rrF27pTFGg8 Naruhodo #135 - Como eu sei que você é você e não eu? - Parte 1 de 2 https://www.youtube.com/watch?v=Fq-VjuiTOY0 Naruhodo #136 - Como eu sei que você é você e não eu? - Parte 2 de 2 https://www.youtube.com/watch?v=yRZkLKL6QH0 Naruhodo Entrevista #52: Gustavo Sol https://www.youtube.com/watch?v=yGCDcg6RS2w Naruhodo #183 - É possível juntar exatas, humanas e biológicas numa nova ciência? - Parte 1 de 2 https://www.youtube.com/watch?v=9oqajpETpt4 Naruhodo #184 - É possível juntar exatas, humanas e biológicas numa nova ciência? - Parte 2 de 2 https://www.youtube.com/watch?v=VPt2fTNFnOs * APOIE O NARUHODO! O Altay e eu temos duas mensagens pra você. A primeira é: muito, muito obrigado pela sua audiência. Sem ela, o Naruhodo sequer teria sentido de existir. Você nos ajuda demais não só quando ouve, mas também quando espalha episódios para familiares, amigos - e, por que não?, inimigos. A segunda mensagem é: existe uma outra forma de apoiar o Naruhodo, a ciência e o pensamento científico - apoiando financeiramente o nosso projeto de podcast semanal independente, que só descansa no recesso do fim de ano. Manter o Naruhodo tem custos e despesas: servidores, domínio, pesquisa, produção, edição, atendimento, tempo... Enfim, muitas coisas para cobrir - e, algumas delas, em dólar. A gente sabe que nem todo mundo pode apoiar financeiramente. E tá tudo bem. Tente mandar um episódio para alguém que você conhece e acha que vai gostar. A gente sabe que alguns podem, mas não mensalmente. E tá tudo bem também. Você pode apoiar quando puder e cancelar quando quiser.  O apoio mínimo é de 15 reais e pode ser feito pela plataforma ORELO ou pela plataforma APOIA-SE. Para quem está fora do Brasil, temos até a plataforma PATREON. É isso, gente. Estamos enfrentando um momento importante e você pode ajudar a combater o negacionismo e manter a chama da ciência acesa. Então, fica aqui o nosso convite: apóie o Naruhodo como puder. bit.ly/naruhodo-no-orelo

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger Picture Trump is showing the world how green energy doesn’t work, plus it also shows the environmentalist really don’t care about the environment. The people are waking up to the fact that the [CB] have been robbing us of our money. Trump’s economy is taking off. The [DS] is being exposed, the people are now seeing the criminal syndicate system, it is one tyrannical money laundering system. The people have been funding our destruction. The [DS] hunted Trump and now Trump is hunting them. The difference is that the [DS] have committed the crimes and the investigations will show their criminal acts. We are in the process of fighting the 2nd American revolution. Economy  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/KobeissiLetter/status/2006870301041467482?s=20   improved across every US region last month to their highest levels of 2025. The West posted the largest increase, followed by the South, the nation's largest home-selling region. As a result, the Pending Home Sales Index is up to 79.2 points, the highest since February 2023. Homebuyer activity is regaining traction. https://twitter.com/elonmusk/status/2006832536257966286?s=20   need to cut fraud https://twitter.com/CynicalPublius/status/2006750062844534872?s=20  greatly eliminates fraud, waste and abuse; -or- (ii) Middle-class taxpayers decide enough is enough and they too stop following the rules. Door (i) = prosperity. Door (ii) = anarchy. https://twitter.com/elonmusk/status/2006833536335327501?s=20 https://twitter.com/QuantusInsights/status/2006036670680912007?s=20   overseas buying. This is strong, confidence-driven allocation by sophisticated investors looking 12–24 months ahead. When stocks, Treasuries and corporate bonds all see heavy inflows together, the data quietly signals: • U.S. growth looks resilient (no recession on the horizon) • American institutions remain solid • Global alternatives don't measure up A rare combination that points to a strong setup for the U.S. economy. https://twitter.com/howardlutnick/status/2006867104272961854?s=20  positions across industries and our nation. This new growth will employ millions of workers in great, high-paying jobs. The era of non-productive jobs fueled by DEI bureaucracy and corporate performative politics is over. Those who want to work and build America will be rewarded. Great positions and opportunities will be plentiful. The time is now to Make America Great Again. To the amazing success of America and the American worker in 2026!! Political/Rights   the Country, including Tim Waltz, Gavin Newscum, for who is going to lead the Democrats to their future defeat. Clooney got more publicity for politics than he did for his very few, and totally mediocre, movies. He wasn't a movie star at all, he was just an average guy who complained, constantly, about common sense in politics. MAKE AMERICA GREAT AGAIN! https://twitter.com/RichardGrenell/status/2006739373346226506?s=20  quickly. It's unverified gossip that is embraced by News Editors. I see it everyday with the Trump Kennedy Center. Fake news repeated over and over without a single reporter calling to verify the information they are repeating. DOGE https://twitter.com/EricLDaugh/status/2006843983016960428?s=20 “This is deeply morally WRONG.” “Why is it right for someone who escaped tyranny in other countries and happens to live in SF to pay ‘reparations’ for something they had nothing to do with?”  “California didn’t even have slaves!” Geopolitical More Than 1,000 Cars Burned in France, as New Years' Eve ‘Celebrations' in Europe Turn Into a ‘Fireworks War' Between Migrants and Police (VIDEOS)  Cars burning on NYE: Macron is presiding over the destruction of France. The suicidal policy of unchecked mass migration is takings its toll on the European nations. Among the multiple problems, there's the fact that the New Years ‘celebrations' have turned into an excuse for violent migrants to attack police, firefighters and commons citizens with fireworks, turning it into a war. https://twitter.com/visegrad24/status/2006763220258926726?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006763220258926726%7Ctwgr%5E6f5fbf697d1dedb8ea125a1a961ff7b248f5d362%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fmore-than-1000-cars-burned-france-as-new%2F https://twitter.com/RMXnews/status/2006884531585024201?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006884531585024201%7Ctwgr%5E6f5fbf697d1dedb8ea125a1a961ff7b248f5d362%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fmore-than-1000-cars-burned-france-as-new%2F Source: thegatewaypundit.com https://twitter.com/visegrad24/status/2006843568816796153?s=20  Maduro Says He’s Ready to Play ‘Let’s Make a Deal’ Venezuela’s Nicolas Maduro says that he’s willing to come to terms with President Trump if the U.S. ends its military pressure campaign in an interview with socialist academic and journalist (but I repeat myself) Ignacio Ramonet. Trump has made multiple demands that Maduro depart, going back to the beginning of the pressure campaign in November, for instance, on December 23: “We want it back,” he added. “They took our oil rights — we had a lot of oil there. As you know they threw our companies out, and we want it back.” The list includes, but is not limited to: Exxon Mobil—2007—oil extraction. Conoco Phillips—2007—oil extraction. Halliburton—2009—oil operations. Cargill—2009—rice processing. Owens Illinois—2010—glass. Clorox—2014—consumer goods.  General Motors—2017—auto manufacturing.  Kellogg's—2018)—cereals. Goodyear—2018—tires. Source: redstate.com War/Peace Anonymous U.S. Officials Say Ukraine Didn't Target Putin with Drone Attack – Russian Officials Say They Have Drone Flight Plan From Navigation Unit  The Wall Street Journal is reporting that Ukraine did not target the personal residence of Russian Federation President Vladimir Putin, “according to U.S. officials.”   However, Russia captured one of the drones intact and have said they were able to “extract a file containing a flight plan from the navigation unit” which they plan to share with the Trump administration through established channels. {LINK}   Who are we going to believe, Russian “special service” operations or anonymous “U.S. Intelligence Officials”?  U.S. media have said the attack on Putin may be a lie; however, with physical evidence from the defense operation, it is less likely Russia just made up the attack.  At this moment in the conflict, Putin doesn't need domestic propaganda.    Source: theconservativetreehouse.com [DS] Agenda https://twitter.com/KanekoaTheGreat/status/2006842440968450361?s=20 https://twitter.com/MrAndyNgo/status/2006830735626301488?s=20   up to dozens of times for safety violations. Four facilities had prepared themselves for liberal journalists by having Somali children inside. https://twitter.com/MrAndyNgo/status/2006877951376154782?s=20  extreme, with little girls usually required to wear both head and body coverings. Female genital mutation is also endemic to their cultural practices. In June 2025, Mayor @Jacob_Frey released an official video in Somali condemning the U.S. government’s efforts to restrict incoming migration from Somalia. This is the same mayor who oversaw (managed) the burning of Minneapolis during the 2020 BLM-Antifa riots. http://ngocomment.com https://twitter.com/MrAndyNgo/status/2006849302002544832?s=20 https://twitter.com/AAGDhillon/status/2006887697743302932?s=20 Report Alleges Somalia's Foreign Minister, Whose Ohio Healthcare Company Receives U.S. Tax Dollars, Also Controls LLC at SAME ADDRESS as Somali Money Transfer Firm Accused of Terror Financing  A new report alleges that Somalia's Foreign Minister Abdisalam Abdi Ali, a U.S. citizen whose Ohio-based healthcare company has raked in millions from American taxpayers, also controls an LLC operating out of the same address as a Somali money transfer firm previously accused of funneling funds to terrorist organizations. Abdisalam Abdi Ali was appointed Minister of Foreign Affairs and International Cooperation of Somalia in May 2025. Born in Somalia but building a life in the U.S., Ali established Ritechoice Healthcare Services LLC in Toledo, Ohio, over a decade ago. Shockingly, two additional healthcare companies operate out of the same office suite. https://twitter.com/libsoftiktok/status/2006872203921600958?s=20 In that role, he: Oversees Security Council meetings Sets the Council's agenda Manages resolutions and presidential statements Speaks for the A3+ bloc (African nations plus Caribbean representation) on issues like Afghanistan and Yemen But before assuming global authority in New York, Osman spent years embedded inside Ohio's public welfare system. Osman relocated to the United States in the late 1980s and built his career in Ohio's taxpayer-funded social services apparatus. From 1999 to 2012, he worked at the Franklin County Department of Job and Family Services, serving as: Case Manager Social Program Specialist Source: thegatewaypudit.com  https://twitter.com/JoeLang51440671/status/2006726416168079799?s=20   democrats by the same corrupt Somali's. Stolen elections violate the Constitutional rights of citizens. That will play a HUGE part in FORCING our election system to be completely transformed. Fraud vitiates everything and everything is connected. Source: thegatewyapundit.com President Trump's Plan https://twitter.com/ScottAdamsSays/status/2007077071684780275?s=20 https://twitter.com/elonmusk/status/2007076187760366005?s=20 President Trump Issues the First Vetoes of His Second Term  It took about 11 months, but President Donald Trump has finally issued the first vetoes of his second term. And like most things involving the president, the moves aren't without their critics — including some you might not normally expect pushback from. Trump's rapid response team highlighted the two vetoes: https://twitter.com/RapidResponse47/status/2006153283996381333?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E2006153283996381333%7Ctwgr%5E79e6ef2350ae826bc802e9e5d82d5c97bad630de%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2026%2F01%2Fpresident-trump-issues-first-vetoes-second-term%2F The “Miccosukee Reserved Area Amendments Act” is a bill aimed at expanding the land set aside for the Miccosukee Tribe inside Everglades National Park by officially including a section known as Osceola Camp. Trump had a couple of issues with this. The residential community in that area “was constructed in 1935, without authorization, in a low area that was raised with fill material,” Trump's explanation read. “None of the current structures in the Osceola Camp are over 50 years old, nor do they meet the other criteria to be considered for listing in the National Register of Historic Places,” Trump wrote to the House. He added that, “the Miccosukee Tribe has actively sought to obstruct reasonable immigration policies that the American people decisively voted for when I was elected.” That appears to be a direct reference to the tribe's publicized opposition — including a lawsuit against the Trump administration — to the “Alligator Alcatraz” detention center in Florida, as noted by The Associated Press. The “Finish the Arkansas Valley Conduit Act,” meanwhile, is a bill designed to make it easier for rural Colorado communities to complete a long‑planned water pipeline project that will facilitate drinking water to people in the Arkansas River Valley. Trump appeared to take specific issue with the price tag and repayment plans for this project. “It was originally authorized … in a bill signed by President Kennedy in 1962,” Trump said. “For decades it was unbuilt, largely because the AVC was economically unviable.” “More than $249 million has already been spent on the AVC, and total costs are estimated to be $1.3 billion,” Trump wrote. “H.R. 131 would continue the failed policies of the past by forcing Federal taxpayers to bear even more of the massive costs of a local water project — a local water project that, as initially conceived, was supposed to be paid for by the localities using it. “Enough is enough. My administration is committed to preventing American taxpayers from funding expensive and unreliable policies. Ending the massive cost of taxpayer handouts and restoring fiscal sanity is vital to economic growth and the fiscal health of the Nation.” The bill was backed and pushed by Colorado GOP Rep. Lauren Boebert — normally a staunch supporter of Trump's — who seemed incensed with the president's veto and vowed that “this isn't over.” Source: thegatewaypundit.com https://twitter.com/EagleEdMartin/status/2006700820432130068?s=20  to believe that these Democrat Mayors and Governors, all of whom are greatly incompetent, would want us to leave, especially considering the great progress that has been made??? President DJT https://twitter.com/EndWokeness/status/2006537728369057886?s=20 https://twitter.com/BradCGZ/status/2006485378031824908?s=20 https://twitter.com/WhiteHouse/status/2006523871181300073?s=20  (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");