Podcasts about cgt

In this episode of the Ori Spotlight Podcast, Jason C. Foster welcomes Arsalan Arif, founder of Endpoints News, for a wide-ranging conversation on the business of biotech. From his early days bootstrapping a media company to Endpoints' recent partnership with the Financial Times, Arsalan shares his journey and reflections on what it takes to build trust in an evolving industry.Together, they unpack today's cell and gene therapy landscape, where clinical success alone isn't enough. Arsalan offers his perspective on investor sentiment, why scaling remains the biggest challenge in CGT, and how economic models, not efficacy, will shape the next chapter of growth.Learn more about Arsalan: https://www.linkedin.com/in/arsalanarif/

Avoid the investor's curse of courtroom drama: How couples can legally separate without the cost, stress or conflict. In Part 2 of this important conversation, Bushy Martin continues his chat with Ian MacLeod to unpack how couples can take control of their property settlement and superannuation split—without stepping foot in a courtroom. Ian reveals the three legal pathways available for separation property splits, highlighting how Binding Financial Agreements (BFAs) can help couples sidestep expensive legal battles and court-imposed decisions. Learn how BFAs can also unlock stamp duty exemptions and capital gains rollover relief, and why full financial disclosure isn’t optional—it’s the law. Whether you’re planning ahead, navigating a current separation, or advising someone else, this episode gives you the clarity and confidence to move forward wisely and legally. What you’ll learn: The 3 legal pathways to manage separation property splits Why Binding Financial Agreements put control back in your hands How to avoid stamp duty and CGT with the right structure The legal requirement for superannuation splitting How much it actually costs to create a BFA (hint: it’s not $20K) Why full financial disclosure is essential—and how hiding assets could land you in serious legal trouble About Ian Macleod: Ian is the founder of RP Emery, a legal publishing company that bridges the gap between couples and complex legal systems. With 15+ years of experience, Ian empowers couples to craft mutually beneficial financial agreements that avoid the cost and conflict of court. His mission: protect relationships, finances, and freedom through plain-English, legally sound solutions. Get your copy of the free ebook "Living Together and Your Financial Future”: https://rpemery.com.au/safe/living-together-your-financial-future.pdf Find Ian and RP Emery’s financial agreements at https://financialagreements.com.au Find your Freedom Formula Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour! Find out more https://bushymartin.com.au/freedom-formula-course Subscribe to Property Hub for free now on your favourite podcast player. Take the next step - connect, engage and get more insights with the Property Hub community at linktr.ee/propertyhubau Book a personal solutions session with Bushy to go deeper on your specific property needs or challenges Continue the discussion with likeminded investors and experts on The Property Hub Collective Facebook group Get a copy of Bushy's book, Get Invested, for FREE, and find out what it takes for you to invest in living more, working less Get all Property Hub info here linktr.ee/propertyhubau About Get Invested, a Property Hub show Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential. Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them. Subscribe now on Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free. For business enquiries, email andrew@apiromarketing.com.See omnystudio.com/listener for privacy information.

La Paeria de Balaguer portarà a votació en el ple d’aquest dijous el projecte d’obres definitiu del carrer Barrinou. El ple de la Paeria també preveu aprovar definitivament l’actualització del Document Únic de Protecció Civil Municipal Finalment al ple d’aquest dijous es debatran quatres mocions: una presenta el Grup Municipal de Junts per Balaguer en suport al Correlengua 2025. Junts per Balaguer també presentarà una moció contra la centralització de les denúncies per violència de gènere a Lleida. El Grup Municipal Socialista de Balaguer presentarà una moció per demanar als Grups Parlamentaris del Congrés dels Diputats l’adopció de mesures urgents en matèria de finançament local. La darrera moció que es debatrà serà la presentada pel Grup d’Esquerra Republicana per Balaguer, sobre la protecció del Patrimoni Cultural, en referencia als murals romànics que hi ha al MNAC. CCOO i la CGT denuncien l’abandonament de l’oficina d’atenció i informació de la Seguretat Social de Balaguer. Només una treballadora assumeix tota la càrrega de feina i l’oficina tanca dies sencers sense avís previ per manca de cobertura en vacances i permisos La Generalitat i les entitats municipalistes acorden augmentar el finançament als consells comarcals i ajuntaments amb un fons extraordinari. Aquesta aportació addicional de 22,7 milions d’euros vol ser una ajuda sobretot per aquells ajuntaments i consells comarcals més petits que disposen de menys recursos materials i econòmics La delegada del Govern a Lleida, Núria Gil, ha visitat aquest dimecres l’EMD Fontllonga i Ametlla, a Camarasa, per conèixer les previsions de millora de serveis en què treballa la junta de veïns i que compten amb suport econòmic de 365.000 euros de la Generalitat Afrucat preveu que la collita de pera creixerà un 43% a Catalunya, però serà encara un 7% inferior a la mitjana. La campanya arrencarà sense estocs a les cambres i amb unes perspectives “moderadament optimistes” L’ACATCOR impulsa el Manifest per la Defensa del Sòl Agrícola i el Món Rural de Catalunya amb nous suports i accions al Parlament El Govern demana extremar la prevenció d’incendis, especialment durant els treballs de sega del cereal. Hi ha 105 municipis de 19 comarques que es troben en perill molt alt d’incendi forestal Les Avellanes celebrarà aquest diumenge l’acte d’inauguració de les obres de manteniment i millora del safareig i la font del poble, dos elements patrimonials emblemàtics del municipi Aquest dissabte 28 de juny els jardins del Monestir de les Avellanes acolliran l’acte d’inauguració de l’Espai Víctor Pedra, un nou espai dedicat a l’art i la memòria del reconegut artista. Esports 7 nedadors del Club Esportiu Natació Balaguer participen al Campionat de Catalunya Aleví celebrat a ReusDescarregar àudio (31:11 min / 14 MB)

Send us a textHugo Busby, a chartered surveyor, joined the London Property Podcast to discuss the importance of accurate property valuations for inheritance tax (IHT), capital gains tax (CGT), matrimonial cases, and insurance. He stressed that:Incorrect valuations can lead to unnecessary tax liabilities (IHT at 40%, CGT up to 28%).In divorce cases, joint expert valuations ensure fairness and stand up to legal scrutiny.A holistic approach is key — covering both property and contents, especially for insurance and tax planning.Insurance valuations should be reviewed regularly to avoid overpaying premiums.Market conditions, past valuations (as far back as 1982), and solid documentation are vital for HMRC compliance.Busby also shared practical examples and noted current trends like a softening property market and rising construction costs.PROPERTY WEALTH - Transforming challenges into opportunities with specialist knowledge and reach. Explore the complexities of the London property market with us—insights, advice, and connections at your fingertips.Join the conversation! Share your thoughts and questions in the comments below. Don't forget to follow us for the latest updates and expert advice! https://www.londonproperty.co.uk/en/link-in-bio/#PropertyWealth #LondonProperty #RealEstate #PropertyMarket #Investment #HomeBuying #HomeSelling #PropertyAdvice #RealEstateTips #PropertyInvestment #LuxuryLiving

Des manifs plus chaudes que le climat, Britney Spears contre les PFAS, des cheminots de la CGT fans de techno, le rapport du Giec traduit en choré TikTok, sa drogue pour militer sans se décourager ou encore ses techniques pour rendre l'écologie et la justice sociale plus pop.Aujourd'hui on accueille Mathilde Caillard, plus connue sous son blaze MC danse pour le climat. Une "techno-activiste" membre d'Action Justice Climat (ex-Alternatiba Paris) et de Planète Boum Boum, un collectif qui mêle beats électro, esprit de manif et textes survitaminés.10 minutes pour sauver le monde, le podcast filmé de So good qui ne dure pas 10 minutes et qui, à défaut de sauver le monde, sauvera peut-être votre journée.

We've managed to cobble together another themed Q&A episode, this week dealing with questions around Inheritance Tax, Trusts and Care planning. Lots for Roger and Pete to get stuck into! Shownotes: https://meaningfulmoney.tv/QA18  00:48  Question 1 Hi Pete, Hi Rog, Thanks for your ongoing work on the Podcast, I've been listening for many years and have learned a great deal from you both. Keep up the good work! My question is in relation to trusts. My parents, both aged 70, have recently got round to updating their wills, putting POA in place for finance and health and have been in discussion with a solicitor about putting a trust in place, primarily to safeguard their assets from being used up in the event of them having to go into care in later life. At present I believe their estate to be approximately £600,000 including their house which I would imagine is worth approximately £250,000. The rest is made up of savings. I don't believe their estate would be subject to inheritance tax so I don't believe this is the reason for setting up a trust. I have listened back to your previous episodes on trusts but I was wondering, firstly whether much has changed since these podcasts in relation to the general setting up and management of a trust? Secondly I wondered if you could explain the negatives to my parents putting the majority of their assets into trust, namely are there any ongoing fees, can my parents take assets out of the trust should they need to and what are the tax implications for the beneficiaries when my parents pass away? Would any of these things change in the period where only one of them has passed away? I appreciate this is a huge topic and you may not be able to address all of these queries but it appears they have been advised of the positive parts of this process but I would like to ensure we are aware of the potential pitfalls. Thanks once again! Jon 11:10  Question 2 Hi Pete and Roger, Still loving the show and I'm enjoying the current variation in format - keep up the fantastic work! My question relates to estate planning: My wife and I own our home (mortgage free) 50/50 as tenants in common. We have up-to-date wills, LPAs, expressions of wishes and "Dead Files" set up. Each half of the house will be left to our daughter as and when, with the appropriate "right to reside" wording in place for the remaining partner. We are both in our late fifties, so hopefully not needed for many years yet. The IHT side is fine as it's just numbers - allowances and values etc. What I can't quite get my head around is any potential CGT liability for our daughter following the second death. Not so much for the financial impact, as she is already comfortable in her own right (with my and - via the podcast - your encouragement over the years) and will inherit further monies when we pass, but more from a planning perspective. I have looked online and disappeared down several rabbit holes, but from what I can gather although she inherits half the house on the first death, essentially because the surviving partner continues to live in it and therefore any actual money can't be realised, CGT is only calculated from the date of the second death (assuming she sells the house at that point). Is this correct, or will her CGT liability on half of the value start on the first death and be based on (half of) the house valuation at that time, as obtained for that probate? Maybe I'm taking the planning a little too far, but I like to be prepared. These circumstances will be more and more relevant to families over time, I'm sure. Your usual wisdom and common-sense views would be very much appreciated (even if the answer is "...it depends!"). Thank you again for the information and humour the two of you provide each week - long may you continue! Best wishes, Glen 16:11  Question 3 Hi guys Thank you both for a great podcast, big shout-out to Rog because he gets missed off sometimes in these testimonials – genuinely wish I had found this podcast years ago. Have made so many past mistakes but now correcting them one by one! I have a question about care costs which I hope you could answer. My mum is suffering from late stage dementia and my dad who is her 24/7 carer is struggling to cope (they are both 80yo). I have PoA for my mum and am trying to involve myself more in her care plan going forwards. Care (in the home initially) is going to be required and I was wondering how this is paid for. My parents worked hard and have reasonably large savings and investments in both their individual names and in joint names and the extent of these means they would have to pay for care. What we are not clear on is whether money or investments in my mum's name would ONLY be used to pay for her care or whether jointly held money or investments would be used or whether anything in my father's name would also be used to pay for care? I've tried to find the answer to this online but cannot find a clear answer so remain confused! Also are there things that we should be doing to manage this better – end of life planning, trusts etc etc? My dad worked incredibly hard to provide something to his grandchildren and he is actively putting off getting help and harming himself for fear that he won't be able to pass something down to his grandchildren – this is incredibly sad and feels cruel. Any advice that you could give would be much appreciated. Keep up the great work David R 23:30  Question 4 Hello Pete & Roger, Firstly I want to say thank you so much for all the work you do to teach all us mere mortals how to navigate the world of personal finance. I have a question: Everyone talks about merging finances with a partner and then having children. I am in my mid 40s and my children are early 20s. I have a partner and I hope to move in with him one day (he has no children) I might move in with one of mine. How do I protect what I currently have and ensure that goes to my boys? He has considerably more than I do and I don't expect him to support or pass anything on to my boys. I understand I don't want to do a mirror will but would I do a “prenup”? We aren't getting married. Is there a cut off point “moving in day” where everything after that is split 50/50 with the new partners? Or am I over thinking this? I have been through one divorce and don't want to again but I do want to protect what is mine for the sake of my boys. Any advice would be very welcome. Thank you and keep up the AMAZING work. Kind regards, Carla. 28:56  Question 5 Hi Pete, Roger, Nick, Ruth and everyone else in your fantastic team. I have a few questions around a niche scenario that I can't find answers to online. I'm hoping you can point me in the right direction. My parents-in-law were convinced to transfer their home into an asset protection trust in the past before I met them (more than 10 years ago, as I think that's relevant). They were told it would help avoid having to pay care costs. They now know this was never going to be suitable for them, and are looking to mitigate the damage. I suspect the names McLures Solicitors, Jones Whyte, Andrey Robertson and Cynthia Duff might be depressingly familiar to you. The ownership of the house was changed to tenants in common, and each of them transferred their half of the house to a separate trust. So there was the Mr M trust and the Mrs M trust. The trusts were set up such that Mr M and 2 financial advisers were the trustees of the Mr M trust; Mrs M and the 2 financial advisers were the trustees of the Mrs M trust. The trust deed gave the settlors the right to add or remove trustees during their lives. When I started to look at this, I felt there were 3 stages to resolve this: 1. Change the trustees to a more sensible arrangement. 2. Update the land registry with the correct trustees. 3. Decide whether to end the trusts. I knew the first 2 steps were going to need a solicitor, who my parents-in-law found. However, the first 2 stages have now been resolved. So, they're now looking at the final stage - deciding whether to end the trusts. It's clear their current solicitor isn't going to be right for them for this part. I think the disadvantages to leaving the trusts in place are: - If either of them need care in the future, I don't think the trusts will make any difference in the local authority's means assessment. - The property is likely unmortgageable if they should need any kind of equity release in the future, for example to pay for care. - Neither trust has been registered with HMRC due to the original solicitors ceasing trading. There might therefore be a tax charge/penalty charge, and an obligation to file periodic tax returns for the trusts. Their preference is to wind up the trusts, but are there any pros to leaving them in place? And are there any cons I haven't thought of already? Knowing that "should" is a dirty word in financial advice, I'm trying to find out whether ending the trusts might have any drawbacks or tax liability. My understanding is that they each transferred their share of the property to the trust when the house was valued at £X. If the trusts are ended, they'll receive the property back at a value of £Y. My questions are: - Is there any tax liability, based on the difference in property value between £X and £Y? - Could they be entitled to any tax reliefs based on their circumstances? - Are there any other drawbacks you can think of that we might not have considered? I know you can only give general information and guidance, but I couldn't work out an answer to this myself. I couldn't even work out which type of professional they should speak to - a solicitor, accountant or financial adviser. I'd be really grateful if you could point us in the direction to get some personalised help. Many thanks, Mathew 33:55  Question 6 Hi Pete, Roger, As a long-time listener and viewer of your channel, I appreciate your insights on keeping costs low, investing in global funds, ensuring tax efficiency, and the benefits of long-term investing. My wife and I have recently become a grand-aunt and grand-uncle. Rather than giving the usual presents, we'd like to do something more practical by investing regularly (£100/month) for our grandniece—after all, there's no better time to start long-term investing than from birth. Likewise, we're comfortable investing 100% in equities, given the long time horizon. On the surface, I suspect you'd recommend a Junior SIPP or a Junior ISA. However, the challenge is that she (and her parents) are French citizens, living in France and paying taxes there. While I appreciate that you focus on UK matters, are you able to provide any pointers on how we could invest in a low-cost global fund for her under these circumstances? Many thanks for your time and any guidance you can offer. John

Avec : Sophie Binet, secrétaire générale de la CGT. - Tous les matins à 7h40, l'invité qui fait l'actualité. Un acteur incontournable, un expert renseigné... 10 minutes d'interview sans concession avec Apolline de Malherbe et les témoignages des auditeurs de RMC au 3216.

Lori Ellis, head of insights at BioSpace, discusses some of the recent events and topics that are buzzing around BIO and DIA in 2025 with Rich Daly, CEO of Catalyst Pharmaceuticals, Peter Ronco, CEO of Emmes Corporation, and Phil Vanek, founder of Redline Bio Advisors. They address funding, the partnering market, AI, and also the recent FDA and CGT roundtable discussion.HostLori Ellis, Head of Insights, BioSpaceGuests⁠⁠Peter Ronco⁠⁠, CEO, Emmes⁠Phil Vanek⁠⁠, Founder, Redline Bio Advisors; Chief Commercial Officer, ISCT; Entrepreneur in Residence, Georgetown University School of MedicineRichard Daly, President & Chief Executive Officer, Catalyst PharmaceuticalsDisclaimer: The views expressed in this discussion by guests are their own and do not represent those of their organizations.

Australia is popular with Irish Expats and there are plenty of Australian Citizens who want to live around the world - and often the finance planning takes a backseat on their journeys.In this episode, I'm joined by Amber Dawson, Senior Financial Adviser at Ally Wealth Management in Perth, who specialises in helping Australian expats manage their finances smartly, wherever life takes them.Amber shares her perspective as both a qualified adviser and a former expat herself, giving practical guidance on the big questions clients face when moving countries. We cover Australian tax residency pitfalls, how rental income from Australian property is taxed, and what often gets overlooked in the rush to relocate. We also explore capital gains tax traps, why foreign income can be taxed differently depending on your residency status, and how to avoid costly surprises with your investment portfolio when leaving Australia.Whether you're returning to Ireland after years abroad or heading across the world for a fresh start, this will help you find the right people to talk to in the Australian system.Main Topics discussed in this Episode:Tax Residency and Relocation Pitfalls: Amber explains how Australia's residency rules aren't black-and-white. Tax Treatment of Australian Rental Property: We talk through how rental income from an Australian property is taxed when you're living overseas—including the flat 30% rate for non-residents.Capital Gains Tax for Expats: Amber mentions how selling property or investments as a non-resident can trigger higher CGT bills.Cross-Border Tax Coordination: We look at why it's essential to get advice in both countries when moving between Ireland and Australia (including the double tax treaty).Expat Client Types and Real-Life Challenges: From young professionals to retirees and families with kids, Amber shares the different types of expats she advises and how their needs vary.Your special offer from Amber Dawson & Ally Wealth:Book a meeting with Amber to start your personalised Strategy Paper: https://calendly.com/ally-wealth-amber/introductory-meeting-online. Amber's LinkedIn: https://www.linkedin.com/in/amber-dawson/ More info for Expats on Ally Wealth's Website: https://allywealth.com.au/blog/ *****If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify.Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/services-and-pricing/.Mentioned in this episode:Special Offer from our Trusted Partner, Currencies DirectThis episode is brought to you by Currencies Direct, our trusted currency exchange partner when transferring currency to or...

Send us a textIn this episode, Mena and Stuart delve into the critical considerations for Australian business owners when creating a will. They unpack how your business structure, whether sole trader, partnership, company, or trust, determines what can be passed on and how. The duo explores the importance of aligning your business succession plan with your personal estate plan, from identifying future leadership to leveraging buy-sell agreements and regular valuations. They highlight the necessity of mapping out control over trusts and companies and planning for incapacity through tools like Enduring Powers of Attorney and alternate directors.Listeners will gain practical insights into using testamentary trusts for tax efficiency, understanding CGT implications, and ensuring estate liquidity through insurance or succession agreements. Mena and Stuart also address the sensitive topic of family dynamics, offering tips to prevent conflict when business assets aren't evenly distributed. Finally, they underscore the importance of choosing a capable executor and regularly reviewing your estate plan to keep it relevant. Whether you're a solo entrepreneur or managing a complex business entity, this episode is packed with essential guidance to protect your legacy and ensure smooth transitions.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps us reach more incredible listeners like you. Thank you for being a part of the journey! Click here to subscribe to our weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here. Work with Mena & Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow us: Stuart: Twitter/X and LinkedIn. Mena: LinkedInIMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

Le conclave sur les retraites s'achève ce mardi. Selon la stratégie déterminée par François Bayrou, le dossier reviendra ensuite devant le Parlement, avec potentiellement un nouveau texte à étudier. Si les discussions entre les partenaires sociaux semblent avoir légèrement avancé ces derniers jours, le consensus n'est toujours pas trouvé et les oppositions comptent bien mettre la pression sur le gouvernement. La France Insoumise l'a déjà promis : elle déposera une motion de censure si la réforme Borne, passée en force il y a deux ans, n'est pas abrogée. La France insoumise se sent d'autant moins contrainte que la CGT, syndicat dont elle est le plus proche, a claqué la porte des discussions voilà des mois. À lire aussiRetraites : y a-t-il un problème français ? Mais une nouvelle fois, c'est le Parti socialiste qui pourrait s'ériger en arbitre. Le PS n'écarte pas de censurer le gouvernement Bayrou, mais son Premier secrétaire tout juste réélu, Olivier Faure, n'en fait pas une posture automatique. Il attend surtout l'épilogue des discussions entre partenaires sociaux. Proche du syndicat CFDT, qui négocie toujours avec le patronat, le parti à la rose pourrait s'accommoder de mesures sur la pénibilité, les carrières hachées, voire un changement de l'âge minimal de départ avec une pension complète sans avoir validé tous ses trimestres. La CFDT propose de le ramener à 66 ans au lieu de 67 actuellement. Mais « si c'est le statu quo, je ne vois pas comment on ne censure pas », estime un influent sénateur PS. François Bayrou affiche son optimisme Le Premier ministre l'a répété cette semaine, il croit « qu'il existe un chemin » vers un accord entre syndicats et patronat... et par là-même un moyen pour lui de s'éviter une motion de censure délicate. Le problème, c'est que des messages contradictoires venus de ses propres rangs ont émergé ces derniers jours. Son prédécesseur Edouard Philippe défend toujours l'idée de relever l'âge légal de départ mais aussi introduire une part de capitalisation, c'est-à-dire une épargne individuelle. L'idée fait son chemin dans les rangs macronistes, où le député Pierre Cazeneuve a par ailleurs indiqué vouloir déposer une proposition de loi relevant à 65 ans l'âge légal de départ à la retraite. Des pistes susceptibles d'embarrasser le Premier ministre Le Rassemblement National ne veut absolument pas en entendre parler de ces propositions alors qu'à gauche, le projet même de privatiser les retraites, même en partie, est vu comme un casus belli. Un cadeau empoisonné donc pour François Bayrou, car un changement de système impliquerait de trouver des financements pour organiser la transition. Or le Premier ministre a une mission, celle de faire des économies, 40 milliards sur le budget 2026. Les semaines qui s'annoncent pourraient donc se transformer en pente très glissante pour le gouvernement Bayrou. À lire aussiFrance: l'avenir du «conclave» sur les retraites est-il compromis?

– Which shares are used to calculate CGT – A listener rant on the banks – A reminder about getting old – Is it time for me to cut and run? – Should I buy Berkshire if the market is ‘frothy’?See omnystudio.com/listener for privacy information.

durée : 00:35:47 - Bistroscopie - par : Charline Vanhoenacker - La voilà chanteuse punk ! L'actrice reste égérie Chanel tout en étant syndiquée CGT : "Rien d'incompatible, Karl Lagerfeld aurait pu créer la casquette à paillettes de la CGT". Révélée par Chabrol, présidente de la République dans "Baron noir", aujourd'hui elle chante dans le groupe DRAGA. - invités : Anna MOUGLALIS - Anna Mouglalis : Comédienne - réalisé par : François AUDOIN Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Is a capital gains tax coming to New Zealand? We're joined by Matthew Harris, Managing Director at Lighthouse Financial, to unpack what CGT could look like in 2026 — from its potential impact on investors and property prices to whether it would really solve the issues it's designed to fix.Next Steps: If capital gains tax becomes a reality, you're going to need a good accountant. The team at Lighthouse can help get in touch today.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

When over 50% of a portfolio's offshore assets are USD-denominated, currency risk isn't just a theoretical issue—it can be a real drag on performance. In episode 75 of the Portfolio Construction Podcast Series, Paul O'Connor (Netwealth Head of Investment Management & Research) speaks with Tom Averill, Managing Director of Rochford Capital, about how investors can more effectively manage USD exposure—especially with the AUD near the low end of its long-term range. They discuss why traditional hedging tools often fall short, how the Rochford Leveraged Long AUD Fund provides targeted FX exposure through OTC derivatives, and why this can be a more accurate, scalable, and tax-efficient solution than switching between hedged and unhedged funds. Also covered: the macroeconomic outlook for the Australian dollar, implications of the US credit downgrade, the growing structural role of China, and how geopolitical shifts are reshaping global currency dynamics.   To learn more about today's guest and Netwealth, visit:

durée : 00:04:02 - Le spatial et Toulouse - Ce mardi, à l'initiative de la CGT, une table ronde était organisée pour aborder les défis du futur pour l'aérospatial. UN secteur en pleine réinvention.

Ce lundi 9 juin, le conclave du COR et la position de la CGT ont été abordés par Jean-Marc Daniel, professeur à l'ESCP, Isabelle Bordry, fondatrice de Retency, et Philippe Mutricy, directeur des études de Bpifrance, dans l'émission Les Experts, présentée par Nicolas Doze sur BFM Business. Retrouvez l'émission du lundi au vendredi et réécoutez la en podcast.

durée : 00:15:04 - Journal de 8 h - Dans le cadre de leur niche parlementaire ce jeudi, les communistes voudraient abroger la réforme des retraites, promulguée il y a plus de deux ans, tandis que la CGT appelle les Français à se mobiliser contre cette réforme.

durée : 00:15:04 - Journal de 8 h - Dans le cadre de leur niche parlementaire ce jeudi, les communistes voudraient abroger la réforme des retraites, promulguée il y a plus de deux ans, tandis que la CGT appelle les Français à se mobiliser contre cette réforme.

durée : 00:15:04 - Journal de 8 h - Dans le cadre de leur niche parlementaire ce jeudi, les communistes voudraient abroger la réforme des retraites, promulguée il y a plus de deux ans, tandis que la CGT appelle les Français à se mobiliser contre cette réforme.

durée : 00:06:47 - Christophe Arnaudy, membre du bureau CGT de la Sarthe. Il appelle à des mobilisations contre la réforme des retraites alors qu'un nouveau texte pour réclamer son abrogation est examiné à l'Assemblée - Alors que les députés examinent ce jeudi une proposition de résolution pour l'abrogation de la réforme des retraites, la CGT appelle à deux rassemblements au Mans et à la Flèche. Les opposants ne veulent pas de l'âge légal de départ à 64 ans.

Sophie Binet a succédé à Philippe Martinez au poste de secrétaire générale de la CGT, en 2023. Depuis, elle a engagé un bras de fer avec Emmanuel Macron sur la réforme des retraites, sur l'emploi et sur la désindustrialisation. Qui est Sophie Binet ? Comment s'est-elle imposée au sein de la CGT et du paysage politique ? Réponses avec Marie-Pierre Haddad et Mathilde Piqué, journaliste au service économie de RTL. Dans "Tout savoir sur", du lundi au vendredi, la rédaction de RTL revient sur un fait marquant de l'actualité avec les reporters, les correspondants et les experts de RTL.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Sophie Binet a succédé à Philippe Martinez au poste de secrétaire générale de la CGT, en 2023. Depuis, elle a engagé un bras de fer avec Emmanuel Macron sur la réforme des retraites, sur l'emploi et sur la désindustrialisation. Qui est Sophie Binet ? Comment s'est-elle imposée au sein de la CGT et du paysage politique ? Réponses avec Marie-Pierre Haddad et Mathilde Piqué, journaliste au service économie de RTL. Dans "Tout savoir sur", du lundi au vendredi, la rédaction de RTL revient sur un fait marquant de l'actualité avec les reporters, les correspondants et les experts de RTL.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Sophie Binet a succédé à Philippe Martinez au poste de secrétaire générale de la CGT, en 2023. Depuis, elle a engagé un bras de fer avec Emmanuel Macron sur la réforme des retraites, sur l'emploi et sur la désindustrialisation. Qui est Sophie Binet ? Comment s'est-elle imposée au sein de la CGT et du paysage politique ? Réponses avec Marie-Pierre Haddad et Mathilde Piqué, journaliste au service économie de RTL. Dans "Tout savoir sur", du lundi au vendredi, la rédaction de RTL revient sur un fait marquant de l'actualité avec les reporters, les correspondants et les experts de RTL.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode, we look at the top shares of Australia's best performing super funds, and our equity analysts' outlook for the stocks.You're able to view the article here.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton.This week for Mark's Unconventional Wisdom column, he grades the superannuation system in Australia, offering each part of the system a letter grade of A, B, C or D. It allows investors to understand what our super system does well and what it doesn't, and how that might impact them. Shani's Future Focus column looks at a quirk to one of the most generous tax concessions that we have in Australia, the CGT exemption for your home. The CGT exemption also allows for you to rent out your property for a number of years, and still claim the CGT-exempt status. Shani takes a deep dive into the tax policy, the circumstances that it suits and the situations to avoid that would make homeowners pay more tax than they need to. Small caps have historically traded at a premium given conviction behind long term outperformance. Market narratives surrounding their sizeable growth prospects can sway younger investors who performance chase. As a follow up on a previous article 'The Beginner ETF Portfolio', Sim explores the risks and merits of small cap exposure in a beginner's ETF portfolio. AI chatbots and search assistants have transformed the way that many people seek information. But can they be relied upon for investment advice, too? Acting on a recommendation from a recent industry event, Joseph asked ChatGPT to impersonate an investment board of three famous investors. Then, he asked it to discuss some potential investments. What happened next left Joseph impressed and worried in equal measure. Hosted on Acast. See acast.com/privacy for more information.

In this episode of Molecule to Market, you'll go inside the outsourcing space of the global drug development sector with Christiane Bardroff, COO of Rentschler Biopharma SE. Your host, Raman Sehgal, discusses the pharmaceutical and biotechnology supply chain with Christiane, covering: The importance of "knowing what you're talking about" to build confidence Being asked to build and commission an automated €800m bioprocessing plant at Teva The draw of a family-owned CDMO business servicing 170 clients worldwide, and what she loves about this ownership model The 'power of we' is doing things together as a team for the greater good of the business The power of listening to people and empowering teams that led to producing 50% more at the same site Why Rentschler Biopharma decided to exit the CGT capabilities and double down on its biologics business Christiane oversees operations across the company's sites in Germany and the US. A results-driven executive with a strong foundation in biotechnology and chemical engineering, she brings deep expertise across biomanufacturing, automation, digitalization, and leadership. Her career includes nearly a decade at Roche, where she implemented the company's first paperless manufacturing process. At Teva Biotech, she led the development of a €800M large-scale facility and was part of the global management team, earning Teva's Mission and Values Award in 2021. Since joining Rentschler in 2022, Christiane has advanced rapidly through senior leadership roles and now leads all operational areas, including manufacturing, quality, engineering, regulatory, and supply chain. Please subscribe, tell your industry colleagues and join us in celebrating and promoting the value and importance of the global life science outsourcing space. We'd also appreciate a positive rating! Molecule to Market is also sponsored and funded by ramarketing, an international marketing, design, digital and content agency helping companies differentiate, get noticed and grow in life sciences.

Est-il plus facile d'élire un pape que de s'accorder sur l'âge de départ à la retraite en France ? Chaque jeudi, le conclave des retraites se réunit ou plutôt, se vide. FO, la CGT, l'U2P ont quitté la table. La CFTC boude. Ne restent que trois irréductibles : la CFDT, le Medef et la CPME. Et pendant que les chaises se vident, le gouvernement attend une fumée blanche. Ou au moins 6,5 milliards d'euros pour éviter le déraillement. En France, chaque réforme des retraites vire à la crise nationale. Depuis 1993 : sept réformes, sept chocs. Parce qu'ici, la retraite n'est pas un simple calcul. C'est une promesse d'égalité, un acquis sacré. Alors pourquoi ça coince ? Notre culture ? Notre rapport au travail ? Ou notre refus de voir le monde changer ? Pour en débattre :  Henri Sterdyniak,économiste, co-fondateur de l'OFCE et du groupe des Économistes atterrés Monika Queisser, cheffe de la Division des politiques sociales à l'Organisation de coopération et de développement économiques (OCDE), expert en retraites   Jean-Hervé Lorenzi, économiste, fondateur du Cercle des économistes

Est-il plus facile d'élire un pape que de s'accorder sur l'âge de départ à la retraite en France ? Chaque jeudi, le conclave des retraites se réunit ou plutôt, se vide. FO, la CGT, l'U2P ont quitté la table. La CFTC boude. Ne restent que trois irréductibles : la CFDT, le Medef et la CPME. Et pendant que les chaises se vident, le gouvernement attend une fumée blanche. Ou au moins 6,5 milliards d'euros pour éviter le déraillement. En France, chaque réforme des retraites vire à la crise nationale. Depuis 1993 : sept réformes, sept chocs. Parce qu'ici, la retraite n'est pas un simple calcul. C'est une promesse d'égalité, un acquis sacré. Alors pourquoi ça coince ? Notre culture ? Notre rapport au travail ? Ou notre refus de voir le monde changer ? Pour en débattre :  Henri Sterdyniak,économiste, co-fondateur de l'OFCE et du groupe des Économistes atterrés Monika Queisser, cheffe de la Division des politiques sociales à l'Organisation de coopération et de développement économiques (OCDE), expert en retraites   Jean-Hervé Lorenzi, économiste, fondateur du Cercle des économistes

Over the years, in the property and investment world, the industries have come up with some savvy and strange acronyms to describe what we do and how we do it and for many of us this is a second language.   However, for some of you, it will be completely baffling so if you want to know the difference between net and gross yield, how LTV works with BTL or PRS and how your FRI works in your SPV to avoid CGT then this podcast is for you!   Know your numbers means learning these metrics and you'll finally be able to understand what we're all talking about!   Success and failure are both very predictable.   I hope you enjoy. This isn't a theory. It's a proven Blueprint.

Chaque samedi, découvrez une compilation thématisée des meilleurs chroniques de Philippe Caverivière ! Dans ce best of, l'humoriste fait face à Sophie Binet, secrétaire générale de la CGT, Marylise Léon, secrétaire générale de la CFDT, ou encore Patrick Martin, président du MEDEF...Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Il avait juré de ne fermer aucune usine en cas de rachat du groupe Arcelor. Grâce à cette promesse, le milliardaire indien Lakshmi Mittal avait convaincu, en 2006, les actionnaires d'Arcelor d'accepter son offre publique d'achat (OPA), via son entreprise Mittal Steel Company.Près de 20 ans plus tard, le constat est clair : la promesse n'a pas été tenue. Dans l'est de la France, les anciens salariés des usines de Gandrange et Florange Moselle en ont fait les frais, lors de la fermeture des hauts-fourneaux de leurs usines, en 2008 et en 2012. Aujourd'hui, ce sont ceux de l'usine de Dunkerque – plus gros site français du groupe – qui déchantent, alors que la direction d'ArcelorMittal a annoncé en avril sa volonté de supprimer des centaines d'emplois dans ses sites du nord de la France.De quoi le désinvestissement d'ArcelorMittal en France est-il le symbole ? Dans cet épisode du podcast « L'Heure du Monde », Bastien Bonnefous, journaliste en charge de l'industrie au Monde, nous raconte la grande histoire d'ArcelorMittal.Un épisode de Cyrielle Bedu, réalisé par Amandine Robillard. Présentation et suivi éditorial : Jean-Guillaume Santi. Dans cet épisode : extraits d'interview de Gaëtan Lecocq, secrétaire général CGT d'ArcelorMittal Dunkerque sur France 3 Hauts-de-France le 1er mai 2025 ; de l'allocution de François Hollande à Florange en 2012 ; de l'interview d'Emmanuel Macron sur TF1 le 13 mai 2025.Cet épisode a été publié le 23 mai 2025.---Pour soutenir "L'Heure du Monde" et notre rédaction, abonnez-vous sur abopodcast.lemonde.frQue pensez-vous des podcasts du « Monde » ? Donnez votre avis en répondant à cette enquête. Hébergé par Audion. Visitez https://www.audion.fm/fr/privacy-policy pour plus d'informations.

A recent court ruling in Victoria, Australia, could fundamentally change how Bitcoin—and potentially other cryptocurrencies—are taxed in the country. In a landmark decision during a criminal case involving a former AFP officer who stole 81.6 BTC, the magistrate ruled that Bitcoin should be treated as "cash" rather than property or an asset like shares or gold.If upheld through appeals, this single classification change would dismantle the current ATO framework that has applied Capital Gains Tax (CGT) to crypto disposals since 2014. Under current ATO rules, selling, gifting, trading, or using cryptocurrency to purchase goods all count as CGT events. But if Bitcoin is legally deemed as cash, these transactions would no longer incur capital gains tax. The decision opens up the possibility of tax refunds dating back to 2019—estimated to total as much as $1 billion. It could also dramatically simplify crypto reporting requirements in Australia. The judgment is based on the idea that exchanging Bitcoin is no different from swapping physical cash (like trading a $20 note for two $10s), which is a non-taxable event.If upheld, this case sets a legal precedent with the potential to influence not just Australian law but other countries that share similar common law traditions. The episode breaks down key details from the court proceedings, reactions from the tax community (highlighting commentary from @taxinvestaccounting on Instagram), and what this might mean for crypto users and investors in Australia. It's a space to watch closely, as the ATO is expected to appeal the ruling. If it eventually reaches the High Court of Australia, the outcome could reshape the future of crypto taxation across the country.

Vous aimez notre peau de caste ? Soutenez-nous ! https://www.lenouvelespritpublic.fr/abonnementUne émission de Philippe Meyer, enregistrée au studio l'Arrière-boutique le 16 mai 2025.Avec cette semaine :Nicolas Baverez, essayiste et avocat.François Bujon de l'Estang, ambassadeur de France.Antoine Foucher, spécialiste des questions sociales, auteur de Sortir du travail qui ne paie plus.Michaela Wiegel, correspondante à Paris de la Frankfurter Allgemeine Zeitung.MACRON : INVENTAIRE AVANT BILAN …Interrogé mardi sur TF1, le président de la République a croisé le fer avec plusieurs personnalités de la société civile sur toute une série de sujets : Ukraine, défense, politique sociale, sécurité, dépenses, santé mentale, fin de vie, salaires, Gaza ... Peu d'annonces concrètes lors de cette intervention de plus de trois heures. A deux ans de la fin de son deuxième quinquennat, Emmanuel Macron s'est surtout attaché à défendre sa présidence, et notamment sa ligne économique : travailler plus, produire plus, ne pas augmenter les impôts. Le chef de l'État refuse de nationaliser Arcelor Mittal, alors que le sidérurgiste vient d'annoncer la suppression de plus de 600 postes en France. Il a demandé au gouvernement de lancer dans les prochaines semaines une « conférence sociale » sur le financement de notre modèle social. Tout en prétendant ne pas « préempter » les termes du débat à venir, il a indiqué que l'une des principales options à explorer consisterait à réduire les cotisations pesant sur les salaires et à mettre davantage à contribution « d'autres facteurs, en particulier la consommation ». Il s'est défendu toutefois de plaider en faveur d'une « TVA sociale ». Rejetant l'idée d'une taxation nationale des grandes fortunes, il a plaidé pour une approche mondiale face à l'exil fiscal.Attendu sur une annonce de référendum, Emmanuel Macron a déclaré opter pour une « consultation multiple » dans le cadre de l'article 11 de la Constitution. C'est-à-dire viades référendums en bonne et due forme et non via un outil purement consultatif créé pour l'occasion. Ceux-ci devraient intervenir « dans les mois qui viennent » et pourraient porter sur de « grandes réformes économiques, éducatives ou sociales ». Un spectre très large, sur lequel il entend réfléchir avec le gouvernement. Il pourrait recourir à un référendum sur l'aide à mourir comme une arme de déblocage qu'il ne dégainera qu'en solution de dernier recours, en privilégiant d'abord la poursuite du débat parlementaire. Ouvert à ce que des « réformes » du premier ministre François Bayrou, sur le « plan économique et social » fassent l'objet d'une consultation, le président de la République ne « voit pas », en revanche, de référendum possible sur l'immigration, demandé par la droite, ni sur la réforme des retraites, comme le lui a suggéré la secrétaire générale de la CGT, Sophie Binet.Le président de la République s'est dit favorable à l'interdiction des mariages de personne sous obligation de quitter le territoire français (OQTF), et souhaite un accroissement du pouvoir des polices municipales. Il a confirmé vouloir que soit imposée aux adolescents une vérification de leur âge pour s'inscrire sur les réseaux sociaux, estimant qu'il y a « une jeunesse qui a été percutée » par ces plateformes.Interrogé pour finir sur un troisième mandat en 2032, Emmanuel Macron n'en a pas écarté l'idée en déclarant : « Quand j'aurai fini, je réfléchirai à la suite. »LA DÉSINDUSTRIALISATION EN FRANCE ET EN EUROPEDepuis quarante ans, la France a été confrontée à un important processus de désindustrialisation. Le poids de la valeur ajoutée du secteur manufacturier est passé de 22 à 15% de 1983 à 2023. Seuls 13% des actifs français étaient, employés dans l'industrie en 2023, contre près de 40% quarante ans auparavant. La désindustrialisation française est la conséquence d'une vague de faillites qui a frappé les secteurs du textile, de la machine-outil et de l'automobile, et du choix de certains grands groupes de délocaliser. La production industrielle française a souffert de son positionnement « gamme moyenne ». Elle a été concurrencée frontalement par celle des pays émergents quand l'Allemagne et les pays d'Europe du Nord ont opté pour le haut de gamme. Le manque de capitaux, d'ingénieurs, de techniciens, la faiblesse de la recherche et une préférence donnée aux services expliquent ce mauvais positionnement de l'industrie française qui est, en outre, confrontée à des impôts de production plus élevés que ses concurrentes. Le poids de l'industrie manufacturière représente aujourd'hui 10 % du PIB en France, contre 15 % en Italie et 16 % en Allemagne.La désindustrialisation touche l'ensemble de l'Europe. En 2000, la part de l'Europe dans la production mondiale de l'industrie était de 22,5%, contre 21% pour les Etats-Unis. Vingt ans plus tard, elle est tombée à 14,5% et celle des Etats-Unis à 16%. La part de la Chine est passée de 10 à 28%. Dans la sidérurgie, ArcelorMittal vient d'annoncer 600 suppressions de postes en France et son concurrent allemand, ThyssenKrupp, en supprimera 11.000 d'ici 2030. A côté de la baisse européenne de la production d'acier, les ventes de véhicules en Europe restent inférieures de 25% à leur niveau de 2019 et tous les analystes s'accordent sur le même étiage ces prochaines années. En Allemagne Volkswagen, prévoit 35.000 suppressions d'emplois d'ici à 2030. Chez Stellantis, les effectifs en Italie sont passés de 55.000 salariés en 2021 à 38.000 en 2025 et, en France, de 53.000 en 2017 à 42.000 aujourd'hui.Face à cette crise, la Commission européenne a présenté fin mars leplan acier de l'Europe. En plus d'une réduction immédiate de 15% du quota d'importations d'acier autorisées sur le sol européen, il prévoit une nouvelle clause de sauvegarde à partir de juin 2026, dispositif qui encadre les imports d'acier sur son territoire selon son origine. La Commission européenne a également annoncé 47 projets miniers pour couvrir une partie de ses besoins en minerais stratégiques. Ainsi, l'UE ambitionne d'ici 2030 d'avoir 10% de sa consommation annuelle extraites localement et 40% de sa consommation annuelle issue du raffinage local.Chaque semaine, Philippe Meyer anime une conversation d'analyse politique, argumentée et courtoise, sur des thèmes nationaux et internationaux liés à l'actualité. Pour en savoir plus : www.lenouvelespritpublic.frDistribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

This week's MMQ&A covered questions on whether you need an emergency fund in retirement, starting late and the mechanics of the residence nil rate band, among other things! Shownotes: https://meaningfulmoney.tv/QA13  Questions Asked 01:03  Question 1 Hello Pete n Rog Thank you for the brilliant podcast which has turned my money management around in four months. I love your banter as much as your expertise. My question is: Do people need an emergency fund in retirement, and if so how big should it be? With DB pensions coming my way I'll have a guaranteed income so how important is it? Many thanks and keep up the great work Caroline   04:21  Question 2 Hi guys, I'm probably not your usual demographic so I'm not sure if this will be of enough use to your listeners but… Having grown up in what may be classed as modern day poverty (raised on state benefits, single parent family) I had zero financial literacy. This meant that when I started my career as a teacher I opted out of the pension because I “couldn't afford” to pay into it… yes I know now that was a bad move! I eventually opted back in, but then took big chunks [of time?] out to travel and have children. I divorced and had to leave my career to raise my own children. I'm now 47 and staring into a huge financial hole (as I suspect are many mothers/divorcees). Now it's not all doom and gloom as I have made a few intuitive moves. I own a large family home and a second property (these are mortgaged), but my worry is actual cash. State pension won't touch the sides of what I'll need. What would be your suggestion on how to start accumulating at this late stage? I've opened a vanguard pension and make personal and company contributions (I have a tuition business now) but it feels like too little too late as I've missed the opportunity for exponential compounding. I can't work out how to figure out what I'll need and then reverse engineer the numbers to see if I'll make it! I have a high tolerance to risk, but Is it just pour as much as possible into the pension and pray? Keep doing this amazing podcast please as you have no idea who you are reaching and helping each week. Jenny   11:51  Question 3 Hi Pete & Roger, Love the pod, keep up the good work! My mum is in her eighties and has been asking me about inheritance tax and in-particular “passing on her home”.  We both take an interest in finance, so I said I'd read up on it online. I understand you can inherit up to £325,000 tax free.  My Dad passed away 9 years ago and I believe that his threshold would be taken into account as well, to make the total tax free amount £650,000. I then read that If you give away your home to your children or grandchildren, your threshold can increase to £500,000. I believe this would mean that the total threshold (with my late Dad in mind) would be £1,000,000? Her house is worth just under a million and she has approximately £100k in a Vanguard stocks and shares ISA. My main question is, if she were to make a change in her will to “pass on her home”, would this be an inheritance tax saving to her children in the future, as there would be less of a total amount to pay tax on? I'm, also unsure if the home has to be passed on to an individual, or if stating “her children in equal splits” would suffice. In reality, we would probably sell her home when the time comes, so I don't know if there are additional rules around how long you would have to keep it for etc. Any clarity on this subject would be much appreciated. PS: There's nothing dodgy going on here and we're not wishing her away! Many thanks! John 17:19  Question 4 Dear Pete and Roger, Thank you for an excellent podcast and your contribution to allowing people to self improve their finances. I am 33 and think I was already on the more competent end of the financial spectrum before I found your podcast. I.e. I had no ‘bad debt', had an emergency fund, had cleared my full student loan and overpayed our mortgage to clear 60% in 6 years (just in time for the rate rise!). That said, I now definitely have a better understanding of the fundamentals of financial stability and have started to invest in the last year since listening to you. I listen to a few other podcasts more directly targeting doctors to see if anything specific applies to me / the NHS pension, but still enjoy yours the most. Anyway, my question (regardless of whether you want to include the above compliment or not) is … why is more weight not given to S&S LISA's for later life (alongside a normal S&S ISA)? My understanding is the ‘negatives' would be … (1) loss of invested money if withdrawn early by way of the reverse 25% deduction (2) fees being slightly higher That said, if not withdrawn early, when comparing £4000 / year in a normal S&S ISA, the 25% bonus is surely a significant bonus even with slightly higher fees? What am I missing? Best wishes, Ben 21:23  Question 5 Great podcast My wife and I are both additional rate tax payers and hence our ability to put money into our pensions is limited. We have a field behind our house that we have thought about buying for a while and I was wondering whether the below was legal/valid. The govt introduced the concept of biodiversity net gain (BNG) around property development. There is a market in BNG units where you are paid (I believe) an upfront cost and you need to preserve the habitat for 30Y+. Receiving all the money upfront isn't that tax efficient so executing in a pension would make sense. Can I 1. Buy the land behind us in my pension (believe I can get 2x leverage but not that important) 2. Sell the BNG units – bringing cash into the pension 3. Sell the field back to myself out of the pension for the amount I sold it to the pension for (clearly it's worth less since it is now encumbered with the 30Y liability but ultimately if I want to pay full whack for it then can I?). I am happy to pay for the maintenance of the land inline with the BNG requirements I am now net flat (ish) on the land deal inside my pension but I've managed to get the upfront payment for the BNG in a tax free wrapper. If all that makes it too complicated I think I'm essentially asking if I can sell my pension an asset, realise a gain inside the pension and then buy it back (potentially at an off market price)? Hopefully makes sense, Best John 26:47  Question 6 Hello Pete & Rog, Long time listener and meaningful money fan... No worries if you don't get to answer this, just grateful for all of the amazing content you give away for free. Thanks to you both! In response to another question on a prior podcast Pete mentioned that he wasn't super keen on investment properties due to the fact that it's not very tax efficient and increasing regulations. I have a buy to let with no mortgage so I'm not leveraged like many landlords which has led to me questioning it as an investment. I don't especially enjoy being a landlord and I realise that quite often my SIPP returns are more than my rental income and the property increase in value over the year (I do charge quite low rent because I have a lovely tenant who has been there for 14 years). At 47 I'm thinking when the tenant finally does move on, rather than renting it out again, instead selling the property and paying the money into my SIPP and S&S ISA. It's worth ~£270k after £35k CGT and estate agent costs. I earn approx £50k and can back date my SIPP allowance from the last 3 years. I have a good emergency fund and my SIPP is currently £205k, LISA £45k, ISA £50k (and no mortgage on my own home, living with my partner with no kids, no debt). My plan to live on a fairly modest retirement of around £25,000 a year from my early to mid 60s depending on how my Investments do. Love the podcast and the clear way you explain things in a way even I can understand ;) Best wishes, Russell Send Us Your Listener Question We're going to spin out the listener questions into a separate Q&A show which we'll drop into the feed every 2-3 weeks or so. These will be in addition to the main feed, most likely, but they're easier for us to produce because they require less writing! Send your questions to hello@meaningfulmoney.tv Subject line: Podcast Question

Canada's Got Talent (CGT) is back for a new season! Country music legend Shania Twain and comedian Katherine Ryan join series veteran judges Howie Mandel, Kardinal Offishall, and host Lindsay Ell to find Canada's next superstar!  Jake's Take with Jacob Elyachar thanks our friends at Citytv for bringing some of my favorite acts to the platform for the fourth year in a row!  The CGT finale is tonight and I am thrilled that Darren Leo took time out of his preparation to speak with me.  The digital marketer by day and comedian by night earned Katherine Ryan's Golden Buzzer and $25,000 from CIBC, after his fiery routine that featured jokes that made the audience laugh.  He survived the show's elimination round and now faces Canada's votes.  On this third special CGT episode of The Jake's Take with Jacob Elyachar Podcast, Darren Leo shared his audition story, revisited receiving Katherine Ryan's Golden Buzzer, and previewed his finale night performance.Canada's Got Talent airs Tuesdays on Citytv. Become a supporter of this podcast: https://www.spreaker.com/podcast/jake-s-take-with-jacob-elyachar--4112003/support.

Canada's Got Talent (CGT) is back for a new season! Country music legend Shania Twain and comedian Katherine Ryan join series veteran judges Howie Mandel, Kardinal Offishall, and host Lindsay Ell to find Canada's next superstar!   Jake's Take with Jacob Elyachar thanks our friends at Citytv for bringing some of my favorite acts to the platform for the fourth year in a row!  The CGT finale is tonight, and I am thrilled that members of Funkyverse took time out of their preparation to speak with me.   This Toronto-based dance crew blew the audience and judges away with their spectacular routines. Funkyverse is one of two acts (besides their fellow finalist and Jake's Take with Jacob Elyachar friend Jacob Lewis) to earn TWO GOLDEN BUZZERS and $50,000 from CIBC this season!  On this fourth special CGT episode of The Jake's Take with Jacob Elyachar Podcast, Funkyverse's Karbon and Cheech shared their group's origin story, why they auditioned for the Canadian talent competition, spoke about their two Golden Buzzer moments, and previewed their finale performance.Canada's Got Talent airs Tuesdays on Citytv.Become a supporter of this podcast: https://www.spreaker.com/podcast/jake-s-take-with-jacob-elyachar--4112003/support.

Jeudi 4 avril 2024, la CGT appelle à une grève massive du personnel de la RATP sur la question des rémunérations annuelles et des primes JO Paris 2024. Si la France est connue pour être le pays de la grève dans le monde, c'est parce que les deux partagent une histoire commune très particulière. Il n'y a pas de date précise concernant la première grève française. Cependant, les premiers signes de rassemblements contestataires apparaissent pendant la Révolution française. La famine et les mauvaises récoltes poussent les ouvriers et les agriculteurs à arrêter de travailler pour se révolter contre la monarchie à Paris en 1789. Mais l'économie étant affectée à cause du blocage du pays, une loi est alors adoptée en 1791 par le député Le Chapelier pour interdire les rassemblements. De quand date la première grève en France ? Pourquoi est-elle si protégée ? Qu'ont-elles permis d'accomplir ? Écoutez la suite de cet épisode de "Maintenant vous savez". Un podcast Bababam Originals, écrit et réalisé par Samuel Lumbroso. Première diffusion : 20 janvier 2023 À écouter aussi : ⁠Qu'est-ce que le bug de l'an 2038 ?⁠ ⁠Quelles sont les trois astuces pour suivre l'actualité en protégeant sa santé mentale ?⁠ ⁠Qu'est-ce qu'un influvoleur, ce terme inventé par le rappeur Booba ?⁠ Retrouvez tous les épisodes de ⁠"Maintenant vous savez".⁠ Suivez Bababam sur ⁠Instagram⁠. Learn more about your ad choices. Visit megaphone.fm/adchoices

En France, plus d'un salarié sur quatre travaille le week-end, selon les dernières données d'Eurostat. Avec 25,6 % des employés concernés en 2023, l'Hexagone se classe au cinquième rang des pays de l'Union européenne où le travail le samedi et/ou le dimanche est le plus fréquent, juste derrière la Grèce (32,3 %), l'Italie (30,9 %), Chypre (26,4 %) et Malte (26,2 %). Bien que cette proportion ait diminué de 1,6 point en dix ans, elle reste nettement supérieure à la moyenne européenne de 19,2 %.Ce phénomène touche d'abord certains secteurs : la vente, les services à la personne, la santé, la sécurité, les transports ou encore la restauration. Mais il s'étend aussi aux professions indépendantes. 65,2 % des travailleurs indépendants employeurs travaillent le week-end, soit la deuxième plus forte proportion d'Europe après la Grèce. Parmi ceux qui n'ont pas de salariés, la moitié (50,2 %) sont également actifs le samedi ou le dimanche.Les professions agricoles et halieutiques arrivent en tête des secteurs les plus concernés à l'échelle européenne (49,5 %), suivies de près par les services et la vente (48,9 %). Ces chiffres traduisent une réalité : pour de nombreux Français, le week-end n'est pas synonyme de repos.Le cas spécifique du 1er maiLe débat autour du travail le week-end revient avec force à l'approche du 1er mai, seul jour férié obligatoirement chômé pour tous, sauf exceptions. Une proposition de loi soutenue par le gouvernement prévoit d'autoriser les commerces déjà ouverts le dimanche à exercer également lors de cette fête du Travail. Boulangers et fleuristes sont favorables, mais la CGT s'y oppose farouchement, y voyant une remise en cause symbolique et sociale.La secrétaire générale Sophie Binet alerte : « Cette proposition de loi permettrait d'étendre à la quasi-totalité des secteurs le travail le 1er mai. » Elle craint un glissement comparable à celui du travail dominical, où le volontariat et les majorations initialement promises ont progressivement disparu dans certains cas.Des compensations inégalesContrairement à une idée reçue, travailler le dimanche ne garantit pas une rémunération doublée. Aucune majoration n'est prévue par la loi. Seules les conventions collectives ou les contrats peuvent offrir un supplément, souvent sous forme de prime ou de repos compensateur.Selon la Dares, un dimanche travaillé sur une période de quatre semaines donne lieu à une majoration nette moyenne de 10,6 % pour les cadres, contre 5,4 % pour les ouvriers, 4,6 % pour les employés et 4,2 % pour les professions intermédiaires. En revanche, le travail du samedi n'offre généralement aucune compensation et peut même, paradoxalement, être moins bien rémunéré.Le travail le week-end, loin d'être marginal, constitue ainsi une réalité durable, souvent mal reconnue et inégalement compensée dans le paysage professionnel français. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

A former Labour cabinet minister comments on the state of world politics after Trump's victories for the left in Canada and Australia. Is Winston our Trump? Is Labour electable with the Greens and TPM as its coalition partner? Is a CGT/wealth tax electorally palatable? And how is NZ placed as a food producer in a geo-politically-troubled world?See omnystudio.com/listener for privacy information.

durée : 00:24:31 - 8h30 franceinfo - Sophie Binet, secrétaire générale de la CGT, était l'invitée du "8h30 franceinfo" jeudi 1er mai. Elle répondait aux questions de Victoria Koussa et Hadrien Bect.

La proposition de la ministre chargée des Comptes publics de supprimer ou fusionner un tiers des agences de l'État s'est attiré les critiques de Sophie Binet, patronne de la CGT. Mais pour Natacha Polony, éditorialiste à « Marianne », on peut être conscient que la question du naufrage économique de la France nécessite un changement complet de paradigme et ne pas s'aveugler pour autant sur l'inextricable jungle des dépenses inutiles.Le magazine Marianne est en kiosques et en ligne chaque jeudi."Le goût de la vérité n'empêche pas de prendre parti". Albert CamusMarianne TV : https://tv.marianne.net/Marianne.net : https://www.marianne.net/ Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

ArcelorMittal : la CGT appelle à une manifestation d'ampleur le 1er mai à Dunkerque et appelle l'Etat à reprendre la main voire jusqu'à la nationalisation. Marc Ferraci, Ministre chargé de l'Industrie et de l'Énergie est l'invité de RTL Matin au micro de Thomas Sotto et Amandine Bégot Ecoutez L'invité de RTL avec Thomas Sotto du 29 avril 2025.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

ArcelorMittal : la CGT appelle à une manifestation d'ampleur le 1er mai à Dunkerque et appelle l'Etat à reprendre la main voire jusqu'à la nationalisation. Marc Ferraci, Ministre chargé de l'Industrie et de l'Énergie est l'invité de RTL Matin au micro de Thomas Sotto et Amandine Bégot Ecoutez L'invité de RTL avec Thomas Sotto du 29 avril 2025.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Emmanuel Macron se prépare à rencontrer Philippe Martinez, le Super Mario de la CGT. Tous les jours, retrouvez le meilleur de Laurent Gerra en podcast sur RTL.fr, l'application et toutes vos plateformes.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Canada's Got Talent (CGT) is back for a new season!Country music legend Shania Twain and comedian Katherine Ryan join series veteran judges Howie Mandel, Kardinal Offishall, and host Lindsay Ell to find Canada's next superstar!  Jake's Take with Jacob Elyachar thanks our friends at Citytv for bringing some of my favorite acts to the platform for the fourth year in a row!  Up next is singer and musician Jacob Lewis! Originally from Butlerville, Newfoundland and Labrador, Jacob auditioned for CGT and delivered a powerful take on Bon Jovi's “Bed of Roses.” The performance received a standing ovation from all four judges, Shania Twain's Golden Buzzer, and 25,000 Canadian dollars from CIBC.  On this special CGT episode of The Jake's Take with Jacob Elyachar Podcast, Jacob Lewis shared his audition story, spoke about receiving the country music icon's Golden Buzzer, and his reaction to if Lindsay revealed that he won the show.  Canada's Got Talent airs Tuesdays on Citytv.Become a supporter of this podcast: https://www.spreaker.com/podcast/jake-s-take-with-jacob-elyachar--4112003/support.

This week we answer questions on the loose theme of capital gains tax and investing via General Investment Accounts (GIAs). Spoiler alert - nothing's as simple as it might seem! Shownotes: https://meaningfulmoney.tv/QA11    01:06  Question 1 Whenever a question comes up in our Facebook group about Capital Gains and GIAs (General Investment Accounts) I get a sinking feeling as I do not know much about that type of account, and I don't have one myself.  I am not alone. I have gathered questions from our listeners about capital gains, so in this episode Pete & Roger can tell us all about Capital Gains, Dividends, and anything else we need to know about using a GIA, and other situations which involve capital gains tax. 19:03  Question 2 Hi both, I've recently discovered your podcast and have thoroughly enjoyed my commutes listening to you. Personable and informative. I have a question about selling my buy-to-let property that is in my personal name. My mortgage term is ending in June 2026 and I'd like to sell it for one of better quality that has less issues. I'm currently a higher-rate taxpayer but we're planning to start a family in the next year, meaning I'll be on maternity leave for 12 months which will push my salary down to basic-rate. Impossible to plan when I'll get pregnant but it would be useful to know how HMRC calculates my salary (and over what time period) so that I pay basic-rate CGT when selling my buy-to-let? Apologies for a very wordy question! Thanks a lot and best wishes, Winnie 22:17  Question 3 Hi Pete, I hope you're doing well! I've been really enjoying the Meaningful Money podcast and had a question I'd love to hear your thoughts on the show: In a general investment account (GIA), is it's better to use an income fund to avoid triggering CGT if income is needed (assuming the dividends covers the needs in the short term)? Thanks so much for your wisdom! And keep up the great work on the podcast! :) Best regards, Chloe 26:53  Question 4 Hi Pete, Roger (and Nick who I assume is reading this :-)) I have a question I'd be grateful if you could answer which is around capital gains tax on any shares or funds held outside an ISA/pension. To use an example with higher numbers so that the allowance is used for simplicity: - You have £100k in a GIA - it increases by £10k a year for the first two years; - it's then down £2k in the third - the total value is now £118k - You then want to draw out £10k - How do you work out what capital gains the tax is to be paid on i.e. is the full £10k considered a gain? - Is the withdrawal from the original £100k or from the increase in value i.e. gain? - Would you be better to withdraw up the annual allowance every year and then put it back in to reduce the gain, considering there's no allowance for the impact of inflation? Love the show, keep up the good work in whatever format you decide going forwards - you've made real differences to the way I've managed my investments over the years, especially at scary times like Covid and your book and courses have given my kids the education they need for their long investing lives. Thanks, Dino 36:39  Question 5 Hi Pete & Rodger, I started a deep dive into our overall finances over the Christmas period, to set the picture I am 47, my wife's 42 and we have two children a boy 5 & a girl 3. I received a diagnosis last year which will have a long term impact on my ability to sustain my current level of income & type of work I do. We have a 154k mortgage with 19 years left on the term, with the uncertainty around my health I have decided to target maximum overpayments on the mortgage, this year we can pay 18k extra. My questions are: 1. I plan to save circa 1k per month salary to put into the overpayment pot, I am hopeful that the HL shares will meet past highs and I can use some of that money to top up the salary savings and hit our target. Do I pay tax on the profit I make from selling shares? If it's no more than 3k? I was hopeful I could sell shares annually and withdraw the gains annually, then reinvest in same stock when they dip. I realise that past performance isn't always guaranteed but monitoring since covid the stocks I am invested in are fluctuating from a £15 low to £20 high annually. So looking to sell at £19.5. Is this the best way to use the extra cash at present given the plan to access quickly at times. I have maxed out isa allowance for current FY (2024/25) but will probably pay the 1k per month into an isa in new FY. 2. I am planning to do lump sum overpayment rather than setup monthly, just to give easy access to funds should they be required. I plan to cash in some company SIPPS annually when they aren't taxable (after 5 years) that sum will be on average 1k per year. Will the SIPPS cashed in and gains from HL sales leave me vulnerable to paying capital gains tax? If all goes to plan we could be mortgage free by 2033 approximately and there would be less of a dependency on my salary. Deep down I just want us to be setup financially as best we can with the uncertainty around my health. I would really appreciate your views, love the podcast and it's been a real source of knowledge to me. Best Regards Lee 43:52  Question 6 Hi Pete & Roger, I found your YouTube channel last year and through that the Podcast – both are absolutely fantastic and have helped me and my family so much with many aspects of managing our money and planning our finances. My question relates to if and to what extent capital gains tax can be offset by making SIPP contributions. My wife and I jointly own a buy to let property that we are selling in the new financial year (25/26).  When the sale completes, we expect to each have a taxable capital gain of around £30,000.  My wife earns around £10k a year from a part time job, therefore most of her gain will be taxable at the lower rate of 18%.  For the last couple of years, she has made annual gross SIPP contributions 100% of her earnings (£10,000) which is the maximum gross contribution she can receive basic rate tax relief on. This year, as well as contributing the usual £10,000 gross, (100% of earned income), can she also contribute up to a further £30,000 gross and receive basic rate tax relief on this additional contribution, thus offsetting the CGT paid on the gain from the property sale?  If so, with CGT payable at 18% and basic rate tax relief of 20%, contributing the full £30,000 would actually more than offset the CGT (which I fear is too good to be true). If this is the case, is there any other strategy we should be considering to achieve the same or similar outcome?  I have really struggled to find definitive guidance around this, so any clarity you can provide will be much appreciated. Many thanks and keep up the great work. Steve

durée : 00:09:54 - L'invité de 7h50 - par : Sonia Devillers - Sophie Binet, secrétaire générale de la CGT, était l'invitée de France Inter ce lundi, pour présenter une enquête consacrée à la réforme des retraites et évoquer les économies budgétaires envisagées par le gouvernement.

We love to hear from our listeners. Send us a message.On the 100th episode of Cell & Gene: The Podcast, Host, Erin Harris, sits down with Audrey Greenberg, Founder and CEO of AG Capital Advisors. Audrey is the award-winning executive, board director, and strategic advisor with a proven track record of launching, scaling, and successfully exiting multi-billion-dollar ventures. They explore the biggest challenges and opportunities facing CGT biotech leaders today; the funding crisis in biotech, the evolving investment landscape, and whether the traditional VC-driven model is still sustainable. They also examine what it really takes to scale a biotech company from startup to market leader, the role of AI-driven drug discovery, and how big tech's growing influence could reshape the industry. You'll hear their discussion on leadership challenges in biotech, the need for more diverse voices at the top, and what must change to empower the next generation of women leaders in CGT, and more.Subscribe to the podcast!Apple | Spotify | YouTube

durée : 00:29:10 - Le Cours de l'histoire - En raison d'un appel à la grève déposé par les syndicats CFDT, CGT, FO, SNJ, SUD et UNSA de Radio France contre le projet de holding de l'Audiovisuel Public, nous ne sommes pas en mesure de diffuser l'intégralité de nos programmes habituels. Nous vous prions de nous en excuser.