Podcasts about Cas

guga bruno | almério | a banda dos corações partidos | pedro luis | morris | junio barreto | fióti | luiz ga and izem | gonzaga leal | bia ferreira | felipe gomide feat carlos malta | alceu valença | rubens da selva | daniel carezatto | tibério azul | rafael castro | blubell | curumin | trummer super sub américa | tulipa ruiz | ana frango elétrico | arícia mess | gabriel muzak | suspeito umdois | edy rock | xauim | aninha martins .

Dan Bardell gives his thoughts as Aston Villa win their CAS appeal over striker Brian Madjo. Madjo is now free to play for Unai Emery's first team in the Premier League and Champions League. Great news! ponsored by Luke 1977.com. Use code 'TVV20' at checkout for 20% off.

En juillet 2022, Damien signe un marché de travaux avec un contractant général du bâtiment pour mener à bien l'extension de sa maison. Il verse 18.000 € d'acompte à la société. Problème, le permis de construire est refusé, le projet est annulé. Un échéancier est alors mis en place. L'entreprise rembourse 6.106 €, puis plus rien. Damien part en justice. Mais grâce à un habile jeu administratif, les gérants parviennent à continuer leur activité en France sans avoir à rembourser Damien... Laura Hurissel revient sur une négociation plus compliquée que prévue. L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

durée : 00:02:40 - par : Sarah Lemoine - La vie professionnelle se termine parfois devant la justice. Dans "C'est mon boulot" au mois d'août, on explore des litiges en droit du travail. Aujourd'hui, il est question d'un sujet très présent dans la vie des travailleurs depuis le mois de mai : la canicule. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

CAS 7-31-2-2026 John Thayer, USD Radio by Calling All Sports

CAS 7-31-1-2026 Caden Deckert, BV golf tourney, Mike host by Calling All Sports

Chaos, Casão e o convidado especial J.Junior falando de brasileirão e Sesi Franca Basquete e o seu novo plantel

Tax season looked different in 2026, and it's not just volume. In this episode, Damien Greathead and Penny Breslin unpack the real AI story inside accounting firms: a live test of Juno saved 25% of prep time, clients are submitting documents faster than ever, and AI meeting assistants are replacing manual notetaking. But the bigger conversation is about critical thinking. As AI handles more routine work, who's making sure your team can still spot the anomaly? Identify the conflict? Give a client a real perspective? Damien shares how Moneypenny is gamifying judgment, hiring non-accountants, and rebuilding firm roles around advisory rather than compliance. This is a practitioner episode — real tools, real results, real friction. If you're building or scaling a CAS practice, this one is essential listening.Thank you to our sponsors MoneyPenny, LLC. From bookkeeping and tax preparation to back-office support, MoneyPenny helps accounting firms increase capacity, improve efficiency, and grow with confidence. In This EpisodeWhy accounting firms are seeing earlier tax document submissions in 2025Live AI tax prep test: Juno delivers ~25% time savings, but still requires human reviewThe difference between OCR tools (Grunt Works, Shore Prep, 1040 Scan) and AI-layer toolsHow AI can find conflicting information across reports, workflows, and client communicationsThe 'trust but verify' mindset, and why anomaly-hunting beats confirmation-seekingGamifying critical thinking to keep accounting teams sharp in an AI-assisted environmentThe 80/20 rule: who will rise to the top as AI takes over routine tasksBuilding distinct firm roles: traffic cop, trusted advisor, tax expertWhy MoneyPenny is hiring data scientists instead of more accountantsConnect with the hosts on LinkedInDamien GreatheadPenny Breslin

CAS 7-30-2-2026 Jack Lundin-PGA of Americas Tour (SF Native) by Calling All Sports

CAS 7-30-1-2026 Kurtiss Riggs-Sanford Football Academy by Calling All Sports

Many chiropractors believe the answer to growth is working harder. The reality? Most practices don't have a marketing problem—they have a systems problem. In this episode of The Successful Chiro Podcast, we explore Dr. Noel Lloyd's practical framework for eliminating unnecessary stress while creating a practice built for sustainable growth. You'll learn: Why mastering the basics creates long-term success How power hours improve efficiency and reduce doctor burnout The importance of staying on schedule for both team morale and patient outcomes How empowering your CAs creates a stronger, more predictable clinic Why every position should have a trained backup The five leadership habits that help practice owners navigate difficult seasons How the leader's mindset determines the health of the entire practice A great chiropractic practice isn't built by adding more chaos. It's built by strengthening the foundation. Ready to Build a Stronger Practice?

On this episode of the Woodard Report podcast, Heather speaks with Peter McCarroll about why accounting firms must treat AI adoption as a strategic business transformation rather than simply adding new software tools. Peter explains the pricing pressures threatening traditional compliance work, the need to redesign firms around advisory value and human relationships, and how reusable AI instructions and skills can help teams turn individual experimentation into shared, repeatable processes. About Peter McCarroll Peter McCarroll is a Chartered Accountant (NZ), CPA (Canada), and the founder of The AI Accountant — the only AI training and implementation platform built exclusively for CAS practices. He runs a full-service accounting practice at Fuel Accountants, where he has spent the past two years deploying AI across real client workflows. Peter helps accounting firms move from experimentation to operational transformation — not with theory, but with systems built inside a working practice. The AI Champion's Field Guide: What to Do Now, What to Ask For Learn more about The AI Accountant Learn more about Fuel Accountants Connect with Peter on LinkedIn Thank you to our show sponsor, Bill! Bill is the intelligent way to create and pay bills, send invoices, manage expenses, control budgets, and access the credit your business needs to grow, all in one platform. Learn more about the show and our sponsors at Woodard.com/podcast

CAS 7-29-2-2026 Brock Thompson-SDSU Women's Soccer Coach by Calling All Sports

CAS 7-29-1-2026 Chad Greenway-Gray Duck Spirits/Minnesota Vikings and Neil Graff-studio by Calling All Sports

CAS 7-28-1-2026 Mike Meyer-Canaries Manager by Calling All Sports

CAS 7-28-2-2026 Teresa Resch-Toronto Tempo (WNBA) Team President (Augustana Volleyball) by Calling All Sports

CAS 7-27-2-2026 Chris Derry-SD United FC Director (Soccer) by Calling All Sports

CAS 7-27-1-2026 Mitch Lunning-Kairos Volleyball (Miles' Dad-Golf) by Calling All Sports

A happy little town, some exploding heads, and Sam and Cas working a case together! We discuss how Jack should only have good things, snakes on a plane, and our new sandwich shop idea. Patreon Bluesky Instagram Tumblr

En janvier 2022, Mélanie engage un artisan pour faire des travaux chez elle. Au total, elle paie 4.599 €. Problème, le chantier est abandonné. Après expertise, le dossier part au tribunal en 2025. L'artisan est condamné à payer 18.099 €. Problème, il ne souhaite rien payer. Pourtant, cet artisan travaille toujours, en tant que réparateur de motoculteurs... C'est le "cas en or" de Mathieu Mabille, rédacteur en chef adjoint de l'émission. L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Sous couvert d'une anecdote qui fait rire tout le monde, le cas "des 2 Laurents" était bel et bien très sérieux ! Ilaria Federico revient sur les détails et rebondissements du dossier. L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Lured Up Podcast 401: The Highest Bidder Live Streamed on -7/21/2026 Publish Date - 7/23/2026 Listen to this episode ad free on Patreon! https://www.patreon.com/PokemonProfessor  The dust has finally settled from the 10th Anniversary Event in NYC and GO Fest Global Weekend. We have a ton to unpack and discuss as the community has had some time to respond to the madness that was the last week. It was pretty wild to see the community turn on itself in anger. The creators were up first to feel the flames as it seemed the Community Ambassadors would come out untouched. Then… The Times Square Mewtwo hit eBay and things went nuts. People forgot about being mad at creators and turned on the CAs and their communities. RaspberryWeiner broke some news about finding out the in-game name of one of the sellers who even came forward to apologize and say that he didn't know selling a Pokémon on eBay was against any rules. It was wild to watch as the internet delivered another reason for the X-mob to dislike the event. We stuck around NYC to play GO Fest Global, where we put ourselves under a massive challenge to walk all the way from Bryant Park in Manhattan to Industry City, Brooklyn and back. Let's just say our dogs were barking and we were just about out of gas when we got back to Bryant Park. Huge shout to LeBro for making the journey with us to Brooklyn. We were very surprised by the gameboard at the Community Celebration, as it seemed to be 90% Gyms. You could feel the lack of Lures as the spawns seemed pretty thin. It was a pretty cool setting, but definitely was a departure from the park style play that we have seen before. Scopely Explore did have a first this week, and that was the announcement of their first make up event under their new name! In all seriousness, the community is buzzing in a positive way about the make up GO Fest Raids being a global make up. They are even throwing in a bunch of Raid passes to boot.The Scopely Effect is becoming more and more noticeable, and we are loving that even when parts of the community can feel a little rough around the edges, the masses online still seem to be rowing in the same direction as the developer. The pacing and event calendar for the rest of the month into August is already looking packed. With Ultra Unlocks, new Shinies, and plenty of things to do, there is definitely no rest for the weary. The focus on IRL play with a consistent spattering of very remote friendly events have created a nice balance for different types of Trainers to come together.  Before we wrap up we have a few listener emails and a voicemail to play, with SerAmanda bringing a banger of a protip in the settings. We close with our guiding principal of the episode being: Everyone is playing a different game. Trainers with different goals and process can meet on the same gameboard and navigate an event together, even if they are concerned with very different things. In life, we interact with people every day and never really know what they can be going through.  Ultra Unlock: 10th Anniversary Edition GO Pass: August Gigantamax Rillaboom Max Battle Day Summer Marathon: Arctic Embers Fire and Ice Hatch Day Ultra Unlock: Water Festival Ultra Unlock: Starmie Super Mega Raid Day GO Wild Area 2026 LuredUp@PokemonProfessor.com | Voicemail and SMS: 732-835-8639  Grab some merch: https://crowdmade.com/collections/professornetwork  Connect with us on multiple platforms! https://linktr.ee/LuredUp  Hosts Ken Pescatore Adam Tuttle Writer and Producer Ken Pescatore Executive Producer  Xander Show music provided by GameChops and licensed through Creative Commons ▾ FOLLOW GAMECHOPS ▾ http://instagram.com/GameChops http://twitter.com/GameChops http://soundcloud.com/GameChops http://facebook.com/GameChops http://youtube.com/GameChops http://www.gamechops.com Intro Music Lake Verity (Drum & Bass Remix)  Tetracase GameChops - Ultraball http://gamechops.com/ultraball/ https://soundcloud.com/tetracase  https://soundcloud.com/MegaFlare0 Break Music National Park Mikel & GameChops GameChops - Poké & Chill http://smarturl.it/pokechill https://twitter.com/mikel_beats Outro Music Vast Poni Canyon CG5 & GlitchxCity (Future Bass Remix) GameChops - Ultraball http://gamechops.com/ultraball/  http://soundcloud.com/cg5-beats https://soundcloud.com/glitchxcity Pokémon And All Respective Names are Trademark and © of Nintendo 1996-2026Pokémon GO is Trademark and © of Scopely ExploreLured Up and the Pokémon Professor Network are not affiliated with The Pokémon Company, Game Freak or Nintendo. #pokemon #pokemongo #podcast Learn more about your ad choices. Visit podcastchoices.com/adchoices

Voor de grap doet podcastmaker Cas Reijnders een DNA-test, en dan blijkt: Cas en zijn zussen hebben alle drie een andere biologische vader. Wat is er gebeurd? De podcast Koekoekskind neemt je mee in de wereld van sjoemelende fertiliteitsartsen in de jaren tachtig en negentig, en laat je horen en voelen wat de gevolgen hiervan zijn. Koekoekskind werd gemaakt door Cas Reijnders en Kim Bos voor NRC. Meer informatie en de verdere afleveringen: https://www.nrc.nl/koekoekskind/ Parel Radio Podcast brengt je de mooiste radioverhalen. Tijdloos en iedere twee weken een nieuwe aflevering. Host: Stef Visjager. Mailadres voor vragen en suggesties: parelradio@vpro.nl

La journaliste Mona Benabdelhak revient en détails sur les coulisses et les rebondissements du cas de Laurence, qui avait prêté de l'argent à une amie, croyant investir dans une bonne affaire... L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

CAS 7-24-1-2026 Josh Anderson-Dakota State Football Coach by Calling All Sports

CAS 7-24-2-2026 Dean Zahn-SDGA (Aberdeen) by Calling All Sports

Un beau projet qui se transforme en véritable cauchemar ! Sur le dossier de Lucas, face à un montant conséquent de loyers impayés, Céline Collonge a quelques nouvelles à donner. L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Dans cet épisode, Vincent Heuschling et Nicolas Steinmetz décortiquent Hermès Agent, le nouveau venu open source qui bouscule OpenClaw. Au programme : son architecture en cinq couches, sa mémoire persistante, et sa capacité à tourner en local pour préserver votre souveraineté. On parle aussi dans cet épisode du nouveau mode de facturation d'Anthropic, de cas d'usage concrets (daily briefing bot, revue de PR GitHub) et d'un sujet qu'on n'anticipe pas assez : la traçabilité et l'identité des agents qui se chaînent entre eux.## Chapitres00:00:00 Introduction et présentation de Nicolas Steinmetz 00:02:00 Hermès Agent, le nouveau rival d'OpenClaw00:04:00 Harness engineering en cinq couches00:09:00 Mémoire persistante et orchestration multi-modèle00:14:00 Sandbox, permissions et souveraineté des données00:20:00 Nouveau modèle de facturation d'Anthropic00:26:00 Cas d'usage concrets et niveau de contrôle00:32:00 Nvidia, CUDA et identité des agents## Le BigdataHebdoLe BigdataHebdo est le podcast Francophone de la Data et de l'IA. Retrouvez plus de 200 épisodes https://bigdatahebdo.com Rejoignez la communauté sur le Slack https://join.slack.com/t/bigdatahebdo/shared_invite/zt-a931fdhj-8ICbl9dbsZZbTcze61rr~Q

Peut-on vraiment faire tourner un business de freelance ou de l'infopreneuriat en boycottant LinkedIn et Instagram ? 4 mois après avoir coupé les ponts, je vous partage mes doutes, mes chiffres et un gros dilemme stratégique.On a tous déjà eu envie de tout couper. En février 2026, j'ai sauté le pas : j'ai quitté les réseaux sociaux pour préserver ma santé mentale. Spoiler : mon entreprise tourne toujours, mais la réalité du marketing m'a rattrapé.À l'heure de lancer mon nouveau projet (un Bootcamp IA éthique), la théorie marketing se frotte à la pratique : hors des réseaux, toucher l'intégralité de son audience relève du parcours du combattant. Je décortique avec vous les concepts de découvrabilité, de couverture d'audience, et l'importance vitale de la répétition dans un monde où l'attention de vos clients est ultra-sollicitée.Un épisode indispensable pour repenser votre stratégie de communication sans y laisser votre santé mentale.☕ Au programme de cet épisode de podcastL'illusion de la Newsletter face à la puissance de frappe de LinkedIn.La différence fondamentale entre découvrabilité et taux de couverture.Pourquoi vos clients ne voient (vraiment) pas vos messages et comment y remédier.Comment gérer le dilemme moral de l'IA et de la visibilité en 2026.⏱️ Chapitrage00:00 - Introduction : 4 mois sans réseaux sociaux, le bilan01:45 - Pourquoi je doute aujourd'hui (Le dilemme de Juillet)03:20 - Freelance : Pourquoi la création de contenu reste indispensable05:10 - Découvrabilité vs Couverture d'audience : Le schéma magique07:45 - Ma newsletter suffit-elle à remplacer LinkedIn ?09:30 - La dure réalité du marketing : La règle de la répétition12:15 - Cas pratique : Lancer un Bootcamp IA sans vendre son âme14:40 - Conclusion : Vais-je revenir sur LinkedIn ? Vos avis m'intéressent !---Young, Wild & Freelance est un podcast hebdomadaire pour les entrepreneurs solo et les indépendants dans lequel Thomas Burbidge te partage toutes les clés pour créer, développer et structurer ton entreprise.Tu y retrouveras des interviews, des épisodes thématiques avec Thomas sur toutes les dimensions de ton entreprise (marketing, gestion, organisation, vente, finances, ...)Pour aller plus loin, retrouvez tous nos contenus pour les freelances sur :La newsletter : https://kaleidoscopehorizons.com/newsletterLe site media : https://kaleidoscopehorizons.com/le-media/mediaEt pensez à mettre une note de 5 étoiles sur le podcast

CAS 7-23-1-2026 Curt Byrum-Golf Channel/NBC Sports (Onida Native) by Calling All Sports

CAS 7-23-2-2026 Kurtiss Riggs-Sanford Football Academy by Calling All Sports

Please enjoy this encore episode from our #EmpathytoImpact archive. Stay tuned for new episodes coming in August 2026.If you have enjoyed the podcast please take a moment to subscribe, and also please leave a review on your favorite podcast platform. The way the algorithm works, this helps our podcast reach more listeners. Thanks from IC for your support. New from Inspire Citizens: Inspired Coaching & Inspired Experiences Learn more about how Inspire Citizens co-designs whole-school service learning programsYou can book a discovery call with Inspire Citizens at this linkShare on social media using #EmpathytoImpactEpisode Summary Tim, a 10th grade student at ISBkk, recognized that the inequity he was witnessing in his home country of Thailand was largely due to inequity in the access that people have to quality education. He was inspired by a summer internship program that he attended and develop the project to collaborate with teachers at his school to provide training for aspiring educators entering the teaching profession in Thailand. Listen to learn about this amazing program and the reciprocal partnership that has developed between the Equitable Education Fund and ISBkk as a result of Tim's work.Discover a transformative podcast on education and learning from a student perspective and student voice, exploring media, media literacy, and media production to inspire citizens in schools through a media lab focused on 21st-century learning, empathy to impact, Global citizenship, collaboration, systems thinking, service learning, PBL, CAS, MYP, PYP, DP, Service as Action, futures thinking, project-based learning, sustainability, well-being, harmony with nature, community engagement, experiential learning, and the role of teachers and teaching in fostering well-being and a better future.

Quand un simple dossier n'est en réalité que le sommet d'un iceberg ! L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

CAS 7-22-2-2026 Robb Heineman-Sporting KC Soccer (SF Native) by Calling All Sports

CAS 7-22-1-2026 Michael Sullivan-Madison CC (Home of Summer Skip Day) and Neil Graff co-host by Calling All Sports

Lorsqu'elle était en couple avec son ex-conjoint, Margaux s'est portée caution solidaire pour un crédit destiné à acheter une moto. Mais après la rupture, il a arrêté de rembourser ses mensualités et a été déclaré en surendettement. Margaux a depuis été condamnée par le tribunal et a soldé sa dette. Mais elle aimerait que son ex la rembourse de la somme de ces 6.000€. L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

CAS 7-21-1-2026 Tom Jansa-SDGA Executive Director by Calling All Sports

CAS 7-21-2-2026 Brandon Barkus-Augustana Women's Soccer Coach by Calling All Sports

L'équipe de "Ça peut vous arriver" a traité de nombreux dossiers de condamnations non respectées cette saison. Cependant, ce dossier détient une particularité non négligeable... L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Que peut espérer l'équipe de l'émission lorsqu'un dossier avance dans le vide depuis plus de dix ans ? "Ça peut vous arriver" peuvent-ils réellement aider à faire avancer les choses ? C'est le thème du "cas en or" du jour. L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Les envoyés spéciaux ont toujours des coulisses très croustillantes de leurs interventions à raconter ! C'est le cas de Karine Garcia pour le cas en or du jour... L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Quand un service rendu se transforme en véritable cauchemar... Ça a été le dossier de Charles, boulanger qui a fourni à un camping du pain et des viennoiseries pendant plusieurs mois, le laissant avec une facture de plus de 5000€... L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Jean-Baptiste Nicolle, rédacteur en chef adjoint de l'émission, remet la lumière sur un dossier qui s'est avéré plein de rebondissements, mais aussi... relevant de tous les dangers ! L'équipe de "Ça peut vous arriver" vous accompagne cet été ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison selon eux. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer real listener questions on UK pensions, retirement planning, tax and ISAs. They cover pension contributions for a spouse, starting a career in financial planning, reducing workplace pension fees with a SIPP, navigating the 60% tax trap, retiring abroad with UK pensions, and upcoming ISA rule changes from April 2027. A practical episode for UK savers, investors and future retirees looking to make clearer, more confident financial decisions. Shownotes: https://meaningfulmoney.tv/QA55    01:26  Question 1 Thanks Roger and Pete for the wealth of information you share and all the time you put in to share on finance and pensions. I have listened to a lot of your podcasts on my treks to and from work and finally took the plunge to retire early at 52 to enjoy life and get away from the desk for 8-9 hours a day. I had a DB pension which allowed me to take early whilst my wife has various pensions from previous jobs but all have the rule to take from 57 onwards. So my question is to help 4-5 years down the line. Could I put £300 a month (or the equivalent of 300 minus government contribution) into my wife's pension to continue to take account of government contributions and take the opportunity of her being on below the £12k tax threshold after giving up work? Is this possible or would this be classed as pension recycling as the government would presume the cash invested is from the lump sum I got from my defined benefit pension or is there a way to prove the money is from pay before I retired? Many thanks for your advice and support giving many people greater confidence with pensions and finances. Wayne 04:10  Question 2 Hello Pete & Roger, Thanks for all the great content and information - you are both much better than any AI chatbots! Apologies for the long back story but here goes: My name is Michael, 33 and I live in central Scotland. I have worked in a tech startup for the last 6 years but felt like a change around 18 months ago so I began sitting my CII exams. To date I have passed RO1 - RO5 and also recently passed CF6. I am sitting RO6 in April this year - wish me luck! I have recently secured an opportunity to work self employed for a specialist mortgage firm and start in early May as a trainee mortgage advisor. I have been offered a set monthly payment for 6 months then a 70/30 split after that. I would hope to have achieved CAS within that 6 month period. If I pass RO6 in April, I will have my diploma. My goal is to work as a financial planner but since I've done self study, I don't have any real experience of the financial services industry. I am very ambitious but also trying to be realistic about how to sensibly map out a route to being a successful financial planner relatively quickly. To throw a spanner in the works, a family friend who is a 62 year old IFA with £30m aum is interested in discussing me joining him and eventually taking over the business. It sounds exciting but also a little scary to me. He is only a one man band. For now I've accepted the mortgage trainee position but not sure if I am doing the right thing. The owner of the mortgage company now lives in Dubai and is looking to also remove himself from his business - he has 8 admin staff who WFH from across Scotland and he is the main adviser, specialising in BTL, bridging and commercial finance. They are only authorised for mortgages by the FCA. After that dissertation, my questions are: 1. From your experience and perspective, are mortgages a decent place to start or can you end up getting stuck there? 2. Since I have no real industry experience, only exams - is my head in the clouds thinking I could be a full fledged financial planner within 2 years? 3. If I started with the mortgage firm and got CAS as a self employed mortgage advisor, could I then also be an appointed representative for a different financial planning firm at the same time or is that not actually feasible in the real world? Once again, sorry for the huge essay but I guess context is needed. Once again thanks for all that you do, not much good content out there around these topics so keep up the good work! Regards, Michael   12:36  Question 3 Hi Pete & Roger, Firstly a very big thank you for all that you do for this community. I am learning lots from you guys and feel more confident with my finances. I'm 46 years old and currently have two pensions. My first pension is in a defined benefit plan from my steelwork apprenticeship days whereby I only paid into it for approx 6 years before moving jobs. I was able to track this down late last year and was pleasantly surprised to see that this had gone from an annual amount of £2650 in July 2007 to £4400 as of October 2025. I have been told to leave this as it is as it will grow over time with inflation. My other pension is a defined contribution plan with Royal London (RL). I am a higher rate tax payer and currently pay 10% of my £58,000 annual salary into this fund and my employer pays 5%. I would like to finish at 58 given I had a serious neck injury at 41 and don't know how long my body is going to work for me)! This pot is currently worth £105,000 and I am deliberating whether to increase my contributions in order to achieve my retirement age goal. I also have a stocks and shares ISA which is currently worth £36,000. I pay £250 a month into this but don't know if it would be more tax efficient to put this £250 into my pension instead? However, I am also mindful that the pension age may increase so by having a pot of money invested in the stocks and shares ISA I can draw this down when I like and also not bear any tax implications. Having looked into the fees which RL charge (0.71% for our employers scheme) I believe I would be able to achieve my goal quicker were I to move this into a SIPP and invest in a global ETF. I have discussed this with my employer and have asked if they would consider offering an alternative SIPP option. I feel I am meeting some resistance with this and don't believe a decision will be made anytime soon. In the interim, my compounding is being eaten away by the fees which I am currently being charged and my goal is moving further away from me. I found a pension fee calculator online and at the current rate I am investing I stand to lose approx £50,000 if I keep this with RL. I am aware that I can partially transfer my RL pension. However, to keep the employer contribution I would need to keep the RL pension open with a minimum amount of funds and then transfer the employer contribution across to my SIPP.  What is the best way to go about this to make it the most fee/tax efficient?  Should I transfer the employer contribution as soon as it is paid to RL, or would it be no different to do it on an annual basis?  I am assuming the longer I have money in the SIPP the more growth it will obtain therefore the former would be the sensible default. Am I approaching this correctly? Is there something else which I could consider? Thank you kindly, Paul   20:30 Question 4 Hi Pete and Rog - great show and love the books (but not finished them yet). Thanks for demystifying the complex world of personal finance and financial planning. I'm in the fortunate position where my projected salary and bonus will increase again for tax year 2026/27 and will take me well over the £125k tax threshold before adjustments. My 'problem' so to speak is that even after using my current year maximum pension allowance and previous years unused maximum pension allowance I can only get my adjusted income to be around £115k. Tough life I know! I can either make a large Gift Aid donation to get below £100k or use less of my unused maximum pension allowance to keep above £125k. Am I missing any other income adjustment options? What is the actual impact of not being able to hit the £100k adjusted income, and being in the £125k additional tax bracket, from a tax payment perspective in real money terms? I have some small cash savings and stocks outside of ISAs as we put most of these in my wife's name as she is a basic rate tax payer. We don't need the childcare tax scheme and not aware of any other reason to keep under £100k except to save tax and avoid the 60% effective tax rate between £100k and £125k. Don't want to let the tax tail wag the dog, and happy to give to charity, but in real terms is there actually much difference in the tax payment amount in pounds and pence (as long as I kept out of the £100k - £125k range)? Many thanks, Simon   25:33 Question 5 Hi, Fairly new listener to the podcasts, been binge watching them recently, ended up here via the meaningful money YouTube channel. Both are thoroughly enjoyable to watch and are teaching me a lot about the financial world - along with 2 other YouTube channels I like Damien talks money and James shack. Anyway my question if you have time and it's selected would be about retiring abroad. My current situation - male, 42, living north east England, working full time for NHS and will have 2 NHS db scheme pensions in retirement (1 in 2008 scheme at 65 and 1 in 2015 care scheme at state pension age).  I have 2 stocks and shares ISAs,  with about £95000 between them, 1 stocks and shares Lisa with about £4500 in it (for retirement not house purchase), about £21000 in premium bonds which I use as an emergency fund. Our house is paid off so no mortgage payments so at the minute can add to these savings at £500+ a month comfortable. My wife is 34 and here on spouse visa and hopefully will be eligible for indefinite leave to remain and citizenship soon (it will save us a lot in visa fees and stuff when it happens).  She currently works a part time job 16hr per week at minimum wage to fit around child care for our 2year old son. 1st question is would this part time work count as a qualifying year for the state pension as it's below the personal tax allowance? We have a rough plan of retiring early hopefully once our son is grown up and finished with schooling and university and moving back to my wife's home country in Asia for the better weather and lower cost of living.  As a rough plan we think when I'm 60 and wife 52 but could move later depending on family commitments. Now if I stay in NHS all that time I should have 10 years in the 2008 NHS scheme and 24 years in 2015 scheme and with conservative planning on spreadsheets will get £8000 per year from 2008 scheme and £14000 from the 2015 scheme taking at the normal pension age for these schemes.  My wife will benefit from a spouse's pension for length if I die 1st of roughly 1/3 of these figures.  I have the option of exchanging some of this pension for tax free lump sum up to 25% and the calculation is for every £1 I reduce the pension by I get £12 lump sum. Question 2 - everyone at work always talks about you got to take the maximum lump sum to avoid paying tax, but I'm not so sure as the pensions linked to inflation over the long run there could end up being a big gap between your pension with and without the lump sum.  What's your thoughts on this, if I didn't need a large amount  of cash for a specific thing surely it's better to go for the larger pension even if you end up paying for tax or am I wrong . When we move I will have a full NI record for the state pension but my wife won't and depending on your answer to the 1st question might have 20 years contribution say. Question 3 - if we move abroad before she has a full record can we make voluntary payments for extra year's while resident in another country? I see you can pay about £900 for a year in this country but I'm not so sure if where already living abroad. Assuming my savings continue to grow and the stock market doesn't complete collapse, I will use these savings to bridge the gap from 60 to 65 and then the state pension age.  And fund the move with the sale of our house which will also give us a cash buffer hopefully too. Question 4 - when moving abroad can I keep my stocks and shares ISA - I know you can't contribute more to it, but keeping it open to grow, receive dividends, withdraw money, the government website says you can but a lot of the provider websites are vague and some say they don't allow it.  Is it a case when the time comes I'll have to transfer my isas to 1 of the more expensive providers say who are more likely to allow this? Now I already know that the country I'm moving to doesn't have a reciprocal agreement so our state pension will be frozen at the level that we claim it and have based all our plans and number crunching on this. And that the country I move to may charge tax on money I draw out of my ISA when I transfer it over, and on my pension (although with the double taxation treaty hopefully not) and will seek advice of accountants over there nearer the time as currently there is some work arounds involving spouses but these may not be there in 20 years time. My last question -  would be about if I die 1st probably more likely me being older and male, is more for my wife inheriting my UK based assets - the bank accounts and isas, NHS pension.  The NHS pension should be easy she's already my nominee on record and will go through with her the forms and website for claiming it.  But the isas and bank accounts are the main worry - will it be easy for her to transfer them over to her (I'm assuming the joint accounts will be pretty much automatic) but will the single accounts be easy? Can she keep the money in the ISA still in an ISA but in her name? Would having her own ISA make this transfer easier? And most importantly is this something you think can be done online/over the phone from abroad or will it involve a trip back to the UK and back and forward to branches assuming they haven't all been shut. Thank you for taking the time to read this email, sorry it's so long, and no worries if it doesn't get chosen for the podcast. Keep up the good work Kind regards, Mark 38:15  Question 6 Change to ISA rules from April 2027. Audio question from Holly.  

En esta edición de No Hay Derecho abordaremos, entre otros temas: - Caso Azul Rojas: ratifican 17 años de prisión a policías por tortura y violación sexual agravada. - Sociedad civil pide la derogatoria de la Ley del Artista. - Reacciones a la decisión de Tribunal Constitucional de cambiar su jurisprudencia en relación a la iniciativa de gasto del Congreso. - CAL denuncia penalmente a Patricia Benavides por ejercer como abogada pese a estar suspendida. - Jorge Nieto aboga por la libertad de Pedro Castillo ante Keiko Fujimori: "Para la despolarización”. - JNE emite documento técnico que justifica decisión de aceptar la declinación de Rafael López Aliaga de jurar como senador. - Crédito suplementario de S/9.596 millones fue aprobado por el Congreso: financiará beneficios CAS, salud, educación y elecciones. - Critican artículo de Sebastao Mendoza en El Comercio sobre el Informe de la CVR. - La entrevista al verdadero Fernando Rospigliosi. - Exclusivo: Balcázar pide su pensión vitalicia como expresidente.

You're Losing Profit When Your Competition Uses AI with Peter McCarroll   Find Rocky Lalvani @ www.ProfitComesFirst.com  or email him at rocky@profitcomesfirst.com Make more, work less video: https://youtu.be/   It is 9 am. You have a ChatGPT tab open in your browser. You have had it open for six months. This week you used it to write a follow-up email and summarize a vendor contract. And in the back of your head you have been telling yourself: we are doing the AI thing. You are not doing the AI thing. You are paying for a receipt. Peter McCarroll has built AI into the actual operations of a 15-year accounting practice. Not as an experiment. As infrastructure. And what he found is that the owners stuck on email drafting are missing two levers that are already reshaping the competitive landscape in their market.   In This Episode: Why a 15-year client is now in a forced sale, and the one cash decision she kept delaying that made it inevitable The three levers of AI value, and why the third is the one almost no one is pulling How Peter arrives at every client meeting already knowing the last 10 calls, the patterns, and what the owner will resist The year-end review skill that catches errors before the partner sees them, raising quality while saving partner time Why an AI subscription is not a strategy, and what a real transformation looks like inside a working business Rocky's system for turning every client transcript into a searchable coaching database Competitor compression: why the business that adopted AI 18 months ago is already changing your pricing power   Key Takeaways: Cost reduction is the floor. Decision quality and revenue growth are the ceiling. Most owners never leave the floor. If you are not occasionally maxing out your AI plan, you are probably not using it enough. The subscription is not the strategy. The Profit First vault is the difference between choosing when you exit and being forced out on someone else's timeline. AI used as a thinking partner that challenges you produces better output than you or the AI alone. Competitor compression is happening now. Businesses that adopted AI 18 months ago are already faster and cheaper at the same work.   Aboout Peter McCarroll: Peter McCarroll is a Chartered Accountant (NZ), CPA (Canada), and the founder of The AI Accountant — the only AI training and implementation platform built exclusively for CAS practices. He runs a full-service accounting practice at Fuel Accountants, where he has spent the past two years deploying AI across real client workflows. Peter helps accounting firms move from experimentation to operational transformation — not with theory, but with systems built inside a working practice.   Links: Website: theaiaccountant.ai/   LinkedIn: https://www.linkedin.com/in/petermccarroll/   YouTube: https://www.youtube.com/@TheAIAccountant-ai     Profit Blueprint Calculator I Profit Comes First: https://lp.profitcomesfirst.com/profitblueprintcalc-page   Watch the full episode on YouTube: https://www.youtube.com/@profitanswerman Sign up to be notified when the next cohort of the Profit First Experience Course is available! Free Copy of the Profit Blueprint Book: https://lp.profitcomesfirst.com/landing-page-page  Monthly Newsletter signup: https://lp.profitcomesfirst.com/newsletter-signup Relay Bank (affiliate link): https://relayfi.com/?referralcode=profitcomesfirst Profit Answer Man Facebook group: https://www.facebook.com/groups/profitanswerman/ My podcast about living a richer more meaningful life: http://richersoul.com/ Music provided by Junan from Junan Podcast Any financial advice is for educational purposes only and you should consult with an expert for your specific needs.     

Hey Clutterbugs! Making friends as an adult is hard, especially when you have ADHD, struggle with loneliness, or feel like you have people in your life but still feel alone. In this episode, I'm breaking down the 5 types of friendships you actually need for your mental health: the Cheerleader, the Challenger, the Collaborator, the Comfort Friend, and the Connector. I'm getting really vulnerable today about how badly I suck at making and maintaining friendships, why ADHD makes it even harder (object permanence, rejection sensitivity, social battery—all of it), and how growing up in an emotionally unavailable home taught me to ghost people who actually like me. If you've ever felt like friendships are exhausting work, or you're not sure what type of friend you're missing, this episode is for you. And just like your closet, your relationships need an audit. Which of the 5 types are you missing? Which one are you for the people you love? And how do you actually make new friends as a grown-up without it feeling awkward and terrible?

On a case for a creature they've never hunted before, Sam, Dean, Cas, Jack, and Rowena are faced with uncertainty. To make matters worse, Michael escapes from Dean's mind and Jack makes a terrifying choice. We discuss fats, Hannibal's hair, and learning how words are pronounced for the first time. Patreon Bluesky Instagram Tumblr

In this episode of the Cannabis Accounting Podcast, host Raymond Guns sits down with Mark Waller, Director of Client Accounting Services at SAX and former owner of Moore & Waller CPAs. Mark has one simple belief: if you don't fix cash flow first, nothing else matters. Not 280E. Not tax strategy. Not compliance. Cash flow kills more cannabis businesses than any of those combined.Mark spent 20 years in traditional accounting before launching his own cannabis CPA firm during COVID. He merged into SAX in January 2026 and now runs their cannabis practice. He has watched operators obsess over tax optimization while their bank accounts drain to zero. And he keeps seeing the same mistake destroy businesses over and over again.He talks about:

Whether you're a CPA starting a firm, an operations manager, or a managing partner looking at succession options, understanding what actually drives firm valuation in today's intense M&A market is critical. In this episode of Growing Your Firm, host David Cristello sits down with Mike Payne, a veteran M&A consultant who has spent nearly two decades facilitating accounting firm mergers, acquisitions, and private equity investments. Mike pulls back the curtain on transactions ranging from $1M to over $100M to explain exactly how buyers evaluate practices and why the traditional metrics you read about are often just hearsay. In this episode, we explore: The Revenue vs. EBITDA Shift: Why the accounting world has fundamentally shifted from gross revenue multiples to Adjusted EBITDA valuations. The Private Equity (PE) Reality: How the massive influx of outside capital is reshaping deal structures, increasing cash at the table, and forcing traditional firms to change. The CAS and Tax Premium: Why a strong Client Accounting Services (CAS) department and recurring, sticky tax revenue can instantly add multiples to your firm's value. The "Airport Test" for Culture: Why early-stage deal-making fails without alignment on culture, leadership, and operational tech stacks. Stress-Testing Internal Succession: Real-world tactical advice for firm owners who want to successfully pass the baton to the next generation of junior partners. The Fiercely Independent Path: Why selling isn't your only choice, and how to build a highly profitable, independent firm by playing defense against consolidation. Key Benchmarks Mentioned: Healthy Profitability: Why 30% to 35% bottom-line profit (pre-owner compensation) is the gold standard benchmark for an attractive firm. Partner Billable Hours: The hidden red flag of high partner-level billable hours that can tank your valuation during due diligence. Featured Guest: Mike Payne