Podcasts about cgt

Dans cette édition :Les électriciens et gaziers de la CGT appellent à une grève illimitée pour dénoncer le projet de budget de François Bayrou et servir de rampe de lancement à de futurs mouvements de contestation.Le 10 septembre et le 18 septembre s'annoncent comme des journées de mobilisation citoyenne et syndicale avec des grèves dans plusieurs secteurs comme le contrôle aérien et la RATP.Le Rassemblement national se prépare à une éventuelle dissolution de l'Assemblée nationale et à de nouvelles élections législatives anticipées.Dans les Bouches-du-Rhône et le Var, la rentrée scolaire a été décalée en raison des intempéries, tandis que dans d'autres régions, des scanners à ondes électromagnétiques sont testés pour lutter contre l'introduction d'armes blanches dans les établissements.À Marseille, une recrudescence d'actes antisémites a été constatée ce week-end avec plusieurs agressions.En football, des mouvements de joueurs ont lieu avec le départ d'Adrien Rabiot de l'Olympique de Marseille et l'arrivée de Benjamin Pavard.Notre équipe a utilisé un outil d'Intelligence artificielle via les technologies d'Audiomeans© pour accompagner la création de ce contenu écrit.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Dans cette édition :Un boulanger de 29 ans a été poignardé à Grenoble alors qu'il tentait d'empêcher des voleurs de s'emparer de son travail, illustrant la montée de la violence dans le pays.Le ministre de l'Intérieur se rend à Clermont-Ferrand, où les règlements de comptes entre dealers se multiplient, avec une hausse de 10% des violences de ce type en France depuis le début de l'année.Alors que le Premier ministre François Bayrou peine à trouver un accord avec l'opposition sur le budget, les syndicats, notamment la CGT Énergie, appellent à une grève reconductible pour obtenir des revalorisations salariales.Le prix de l'or atteint des sommets, s'expliquant par la perspective d'une baisse des taux d'intérêt américains et des inquiétudes sur l'indépendance de la Banque centrale.Après les pluies diluviennes dans le sud-est, les dégâts sont importants, avec au moins un mort dans le Var et de nombreuses écoles et crèches impactées.Notre équipe a utilisé un outil d'Intelligence artificielle via les technologies d'Audiomeans© pour accompagner la création de ce contenu écrit.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Dans cette édition :Les électriciens et gaziers de la CGT appellent à une grève illimitée pour dénoncer le projet de budget de François Bayrou et servir de rampe de lancement à de futurs mouvements de contestation.Le 10 septembre et le 18 septembre s'annoncent comme des journées de mobilisation citoyenne et syndicale avec des grèves dans plusieurs secteurs comme le contrôle aérien et la RATP.Le Rassemblement national se prépare à une éventuelle dissolution de l'Assemblée nationale et à de nouvelles élections législatives anticipées.Dans les Bouches-du-Rhône et le Var, la rentrée scolaire a été décalée en raison des intempéries, tandis que dans d'autres régions, des scanners à ondes électromagnétiques sont testés pour lutter contre l'introduction d'armes blanches dans les établissements.À Marseille, une recrudescence d'actes antisémites a été constatée ce week-end avec plusieurs agressions.En football, des mouvements de joueurs ont lieu avec le départ d'Adrien Rabiot de l'Olympique de Marseille et l'arrivée de Benjamin Pavard.Notre équipe a utilisé un outil d'Intelligence artificielle via les technologies d'Audiomeans© pour accompagner la création de ce contenu écrit.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Dans cette édition :Un boulanger de 29 ans a été poignardé à Grenoble alors qu'il tentait d'empêcher des voleurs de s'emparer de son travail, illustrant la montée de la violence dans le pays.Le ministre de l'Intérieur se rend à Clermont-Ferrand, où les règlements de comptes entre dealers se multiplient, avec une hausse de 10% des violences de ce type en France depuis le début de l'année.Alors que le Premier ministre François Bayrou peine à trouver un accord avec l'opposition sur le budget, les syndicats, notamment la CGT Énergie, appellent à une grève reconductible pour obtenir des revalorisations salariales.Le prix de l'or atteint des sommets, s'expliquant par la perspective d'une baisse des taux d'intérêt américains et des inquiétudes sur l'indépendance de la Banque centrale.Après les pluies diluviennes dans le sud-est, les dégâts sont importants, avec au moins un mort dans le Var et de nombreuses écoles et crèches impactées.Notre équipe a utilisé un outil d'Intelligence artificielle via les technologies d'Audiomeans© pour accompagner la création de ce contenu écrit.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

À l'occasion des rencontres de la Maison des professionnels au Festival d'Avignon, la CGT spectacle et le syndicat national des metteuses et metteurs en scènes, en partenariat avec le laboratoire SLAM de l'Université Evry Paris Saclay organisaient une table ronde intitulée « réflexions croisées sur un « nouveau » théâtre : le théâtre immersif, interactif, participatif ». Avec Florian Blache, Jean Boillot, Eva Carmen-Jarriau, Léonard Matton, Simon Hanukai et Isabelle Starkier. Crédits : Production : ISTS & ARTCENA

65 -Evènementiel et culture du 1 au 8/9/2025 (détails dans podcast)Festival Trad'Azun du 5 au 7/9 à Arrens-Marsous https://tradazun.jimdofree.com/Festival de musiques traditionnelles ; stages, bals trad, concerts, balade contée etc…Festival des petites églises de montagne www.festivaldespetiteseglises.frLe 6/9 à 18h30, chapelle Ste Marie St Lary, concert « Trio Raisins et amandes »Le P'tit Festival de Sère-en Lavedan le 6/9, place de l'église : 17h30 Cie Histoire de Chanter, 19h bal gascon, 20h30 Orchestre National du Cholao, 22h CXK(rock occitan)Pyrénées Louron Air Festival (PLAF) du 5 au 7/9, bord du lac de Génos-Loudenvielle, week-end festif autour du vol libre https://plafvallouron.fr/« De Soulé à CAF avec entrain » du 2 au 13/9 (Les Maynats), 112 ans de ferroviaire à Bagnères : expositions, Conférences, spectacles https://maynats.org/?p=2075« 130 ans de la CGT ça se fête ! » les 4 et 5/9Le 4/9 à 20h30 CAC de Séméac, représentation théâtrale exceptionnelleLe 5/9 à 20h à la Gespe, concert Mr GREG(1° part) et « Fatals Picards »« C'est dans l'escalier » le 7/9, escaliers du Parc, Argelès-Gazost a/c 15h, lieu de rencontres et découvertes artistiquesLe Mois du Patrimoine en vallées d'Aure et du Louron : Le 4/9 à 18h, salle mairie Arreau, moment d'échanges avec Claude et Jean ESCUDECafé-Philo (Reliance en Bigorre) le 2/9 à 18h30, Echoppe des Galopins : « Le travail est-il la déchéance de l'homme libre ? »Table-ronde avec Céline DENJEAN et Céline SERVAT, autrices de romans policiers le 3/9 à 15h, médiathèque LannemezanConférences :Sur les femmes pyrénéennes de l'Histoire par Isaure GRATACOS le 2/9 à, 17h, salle conférences mairie de St Lary« La Retirada, l'exil des Espagnols en 1939 » par Patrick CLAUDE le 5/9 à 18h30 , cinéma Barèges Visites thématiques Musée Déportation et Résistance voir podcastForums associations le 6/9: Argelès, gymnase à 14h, Bagnères, Jardin des Vignaux de 10h à 16h, Espace Lumière St Lary de 9h30 à 12h30, Tarbes, Halle Marcadieu de 9h à 19h, Vic en Bigorre, stade Ménoni de 9h à 14hJournée Portes ouvertes le 3/9 de 13h à 19h au Conservatoire Henri Duparc et à l'Ecole de Musique de SéméacSalon du Bien-Être les 6 et 7/9, salle fêtes LannemezanSPECTACLES :Lac de Bours : « Les 3 mousquetaires » Cie Il est une fois, le 6/9 à 16h Paradis des Artistes Maubourguet : « Quelle chance on y est » le 6/9 à 20h30Tiers-Lieu Amassa Lourdes : scène ouverte et jam session le 4/9 a/c 19hConcerts :Bagnères : Les Voix du Cagire le 6/9 à 21h, église St VincentCapvern : Les Chanteurs des Baronnies le 5/9 à 20h30, église Ste TrinitéCauterets : Eths d'Azu le 4/9 à 21h à l'église et Trio Esta le 7/9 à 18h Nouveau Théâtre de la NatureMadiran : concert de chant espagnol Ensemble vocal Emergence le 7/9 à 17h, égliseAutres concerts église Mauléon-Barousse, St Lary, Vielle-Aure etc dans podcast  Cinéma : voir podcast Expositions dans podcastHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Would a capital gains tax crush the housing market? Or would it barely make a dent? In this episode, Ed and Andrew explore the evidence from other countries like Australia, Canada, the UK, and the US to see what really happens when a CGT is introduced.You'll learn:Whether a CGT would cause NZ house prices to drop in the first five yearsHow overseas housing markets have performed with a CGTWhy a CGT might be more of a revenue-raiser than a housing market killerIf you've ever worried a CGT could derail your property investing plans, this episode gives you the facts, not just the politics. Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠

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.Cet été, redécouvrez notre interview avec 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.

durée : 00:02:58 - L'info d'ici, ici Pays d'Auvergne Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Every year, cutting-edge biomedical technologies are left stranded in the lab, not for lack of innovation, but because they miss the crucial leap from technical performance to genuine industry adoption. The gap between scientific brilliance and commercial success is deceptively simple: deeply understanding and building for your customer's real-world pain points.In this episode, David Brühlmann welcomes Chervee Ho, CEO & Co-Founder of BioChromatographix International. With a background at the intersection of biotechnology and commercial strategy, Chervee has helped reshape how startups approach product development to actually get adopted in conservative markets. From her early days in biotech to launching Singapore's next-generation monolithic chromatography company, Chervee advocates for honest conversations, real customer feedback, and an unflinching commitment to building solutions that people want - not just what scientists think they need.Here are three reasons you can't afford to miss this conversation:Commercial Thinking from Day One: Technical superiority is just the start; Chervee reveals how embedding commercial strategy from the earliest stages, long before the product is ‘perfect', ensures your innovation will actually be used. Start with end-user needs and map backward.Designing for Adoption, Not Just Performance: Don't fall in love with your tech. Discover how BioChromatographix adopted a customer-centric “design for adoption” approach, integrating products into current workflows, minimizing disruption, and collecting real-life feedback that shaped commercial-ready solutions.Bridging the Science-to-Market Divide: Learn how continuous customer engagement, ruthless validation of pain points, and smart use of public data (even while protecting IP) can transform a great idea into a market-ready, trust-building product.Ready to close the gap between invention and adoption? Tune in to discover why commercial thinking isn't just for the sales team and how it's the secret weapon for any biotech scientist wanting to make a lasting impact.Don't just innovate - get your technology into the hands of those who need it most.Connect with Chervee Ho:LinkedIn: www.linkedin.com/in/cherveehoWebsite: www.biochromatographix.comNext step:Book a free consultation to help you get started on any questions you may have about bioprocess development: https://bruehlmann-consulting.com/call

Join me...and a friend, on a whirlwind journey into one of the most massive games we've ever tackled for CGT, Final Fantasy X!  Learn how the game was made, discover why Final Fantasy X was a clear departure from the games in the series that preceded it, and listen in as we discuss whether it's still worth your time to learn the intricacies of blitzball, even today... Join the discussion on Discord! Want more Classic Gaming Today?  Sign up as a patron at Patreon.com/ClassicGamingToday!

durée : 00:24:27 - L'invité de 8h20 : le grand entretien - par : Céline Asselot - Sophie Binet, secrétaire générale de la CGT, était l'invitée de France Inter ce vendredi. Elle appelle les Français à se mobiliser à la rentrée pour dénoncer la politique et le budget prévu par le gouvernement. Elle juge pour le moment l'appel à "tout bloquer" le 10 septembre "totalement nébuleux". - invités : Sophie Binet - Sophie Binet : Secrétaire générale de la CGT Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:24:27 - L'invité de 8h20 : le grand entretien - par : Céline Asselot - Sophie Binet, secrétaire générale de la CGT, était l'invitée de France Inter ce vendredi. Elle appelle les Français à se mobiliser à la rentrée pour dénoncer la politique et le budget prévu par le gouvernement. Elle juge pour le moment l'appel à "tout bloquer" le 10 septembre "totalement nébuleux". - invités : Sophie Binet - Sophie Binet : Secrétaire générale de la CGT Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

This week's economic summit coincided with a surprise move by the Albanese government to lift the deeming rate for the first time in four years: The measure reduces access to the pension for wealthier Australians. Moreover, it's exactly the sort of change that advisers have warned are set to come down the line as Treasurer Jim Chalmers exerts his influence in the second term government. Will Hamilton of Hamilton Wealth Partners joins Associate Editor - Wealth James Kirby in this episode. In today's episode we cover Deeming rate lift -The first move? Super tax confirmed unchanged CGT and negative gearing - Key risks Save the super performance tests See omnystudio.com/listener for privacy information.

Watch episode on youtube: https://youtu.be/iTxOV2dSvkAPublished June 2025. In this episode of "What's the Risk?" we take a look at the historic performance of the FTSE Australia High Dividend Yield Index. Some people would know an ETF that seeks to track the performance of this index as Vanguard's VHY ETF.Dividends and high yield stocks have always been a draw for some investors who may think they are getting something for free with dividends, but it's important to remember dividends are not free money, that cash comes from somewhere Share prices are influenced by expected future cash flows to shareholders. If cash goes out the door as a dividend, share price and market cap generally fall ex dividend.Dividends are also not as tax efficient as selling something post a CGT discount, however in Australia most of our largest companies are all large dividends payers, so it's interesting to take a look at a yield focused index vs a broader index such as the ASX 300, to see whether simply focusing on those companies has provided a better return?Want to learn more about investing? Get our Book: https://www.amazon.com.au/Your-Investment-Philosophy-Protecting-Fraudsters-ebook/dp/B0BCPJ8BGC/ https://www.mfg.com.au Mancell Financial Group is an Authorised Representative No. 226266 and Credit Representative No. 403187 of FYG Planners Pty Ltd, AFSL/ACL No. 224543. ABN 29 009 541 253. FTSE Australia High Dividend Yield TR Index AUD 1/2011 - 12/2024. Copyright 2025 FTSE Russell® All rights reserved. Hosted on Acast. See acast.com/privacy for more information.

What if one of biotech's biggest production breakthroughs was hiding in plain sight? Not in a new gene or a wonder drug, but in the way we process and purify biologics.Perfusion technology, once dismissed as a pipedream in top biopharma boardrooms, is now quietly powering some of the industry's most efficient and productive manufacturing platforms. Yet, transforming perfusion from controversial buzzword to gold standard required timing, vision, and a willingness to break from tradition.In this episode, host David Brühlmann sits down with Jarno Robin, a bioprocessing pioneer whose 20+ year journey spans industry giants like Novo Nordisk, Sanofi, and Leo Pharma. Jarno has championed upstream continuous processes, including ATF and TFF, for decades, and now, as a leader at Sani Membranes, he's unleashing the next evolution: Vibro® Membrane Filtration, an innovation set to upend conventional wisdom about fouling, pressure loss, scalability, energy usage, and more.Here are three reasons you'll want to listen to Jarno's journey:Innovation Versus Industry Inertia: Behind every platform shift are years of resistance. Jarno recounts how timing, advocacy, and matching the right data with the right decision-makers finally made perfusion mainstream, even after company leaders proclaimed, “We will never ever run perfusion.”State-of-the-Art and the Next Frontier: ATF and TFF remain dominant, but their limitations, like membrane fouling, scale-up headaches, and high energy needs, are real. Jarno explains how Vibro® Membrane Filtration addresses these pain points with a radically new design, offering lower pressure loss, less fouling, higher cell densities, and surprisingly low energy consumption.Practical Wisdom for Bioprocess Developers: Should you always run a control in process development? How do you translate lab-scale wins to robust, money-earning production? Jarno shares counterintuitive advice based on decades of hands-on success and mistakes.Curious how you can optimize your process technology and sidestep costly pitfalls? Listen to this episode and discover how “timing is everything” in bioprocessing innovation and whether new filtration methods could help you leap ahead.Connect with Jarno Robin:LinkedIn: www.linkedin.com/in/jarno-robinWebsite: www.sanimembranes.comCurious about continuous processing challenges and breakthroughs? Don't miss these previous episodes.Episodes 39-40: Balancing Perfusion Process Development and Sustainability with Jochen SieckEpisodes 85-86: Bioprocess 4.0: Integrated Continuous Biomanufacturing with Massimo MorbidelliEpisodes 153-154: The Future of Bioprocessing: Industry 4.0, Digital Twins, and Continuous Manufacturing Strategies with Tiago MatosNext step:Book a free consultation to help you get started on any questions you may have about bioprocess development: https://bruehlmann-consulting.com/call

Esto es un extracto de la Tertulia de AutoFM que se emite cada jueves en Onda Cero Hacemos un sentido recuerdo a los afectados por la DANA y recordamos que el problema, lejos de estar resuelto, en caso de sufrir otra DANA, las consecuencias serán las mismas. El conflicto laboral en el Consorcio Provincial de Bomberos de Valencia ha estallado en plena campaña estival: tras declararse en “huelga de celo” (supresión de todas las horas extra desde el 1 de julio), los sindicatos UGT, CGT e Intersindical protagonizaron el 9 de julio una contundente protesta ante el MuVIM coincidiendo con la llegada del presidente de la Diputación, Vicent Mompó. Bengalas, petardos y gritos de “dirección dimisión” y “poblaciones desprotegidas” escenificaron el malestar de una plantilla que denuncia la falta de efectivos, el cierre temporal de varios parques —Montcada, Oliva, Burjassot, La Pobla de Vallbona, Ontinyent y Catarroja— y la “inoperatividad” intermitente del helicóptero de rescate. La raíz del conflicto se remonta a finales de marzo, cuando sindicatos y Consorcio alcanzaron un preacuerdo que contemplaba mejorar las condiciones laborales y crear 45 nuevas plazas en tres años. La Diputación lo retiró argumentando la imposibilidad de superar la regla de gasto en un ejercicio condicionado por grandes desembolsos derivados de la DANA. Los representantes de los trabajadores —respaldados por un estudio de la Universitat de València que recomienda entre 767 y 775 bomberos, unos 200 más de los actuales— sostienen que, ocho meses después de la catástrofe, el déficit de personal y medios sigue siendo grave y compromete la respuesta ante grandes incendios forestales o emergencias similares. En plena tensión, la Diputación emitió un decreto que suprime el límite de nueve guardias mensuales y faculta a la dirección para requerir de forma obligatoria servicios fuera de turno con el fin de cubrir los mínimos y evitar cierres de parques. Los sindicatos califican la medida de “decretazo” y la ven como una imposición para forzar horas extra, mientras que la corporación provincial defiende que es la única forma de garantizar la prestación del servicio hasta que finalicen las oposiciones en curso (254 plazas) y los nuevos bomberos completen la formación pos-OPE, aplazada al próximo septiembre. A la pugna sindical se añade un cruce de reproches salariales: la Diputación subraya que algunos bomberos, encuadrados en rangos C1, cobran sueldos equiparables a categorías A2 y recuerdan que trabajan 24 horas de guardia seguidas por cuatro días de descanso; los sindicatos replican que la dirección ha aprobado subidas retributivas que superan los 80.000 € anuales. Con las negociaciones bloqueadas y la huelga de horas extra activa, el consorcio afronta el verano con parques bajo mínimos, una plantilla en pie de guerra y la amenaza permanente de que una nueva emergencia deje al descubierto las carencias estructurales del servicio. Todos los podcast: https://www.podcastmotor.es Twitter: @AutoFmRadio Instagram: https://www.instagram.com/autofmradio/ YouTube: https://www.youtube.com/@AutoFM Contacto: info@autofm.es

欢迎收听雪球出品的财经有深度，雪球，国内领先的集投资交流交易一体的综合财富管理平台，聪明的投资者都在这里。今天分享的内容叫医药投资中重要的几件事是什么？来自青侨阳光。在我们看来，医药投资最重要的，首先是热爱、专注、诚实开放等普适性特性，然后才是行业认知框架、估值定价体系、宏观策略思维等具体的能力和方法，至于组合构建则是有了行业认知和估值定价判断后水到渠成的结果。下面，也借着对这一问题探讨的机会，梳理一遍我们认为医药投资中最重要的几件事情。在这样一个高度分工、深度合作的社会背景下，每个人积累自己的比较优势、专注自己的热爱与擅长，是对社会效率提升最有利、也对发挥自己价值最有利的方式。积累比较优势的前提是专注于自己的擅长，而专注于自己擅长的前提是明白自己是怎样的人、有着怎样的擅长。以我们自己为例，我们的性格偏慢、偏钝，对市场短期起落的敏感性比较差，不适合高频短线交易，也很难赚到市场博弈的钱；但硬币的另一面是，我们在市场极端起落的诱惑面前的定力还可以，几年前重仓的港股创新药械的暴跌的时候并未因为巨大的压力就想着向市场投降，过去几个月港股三四五线创新药企狂飙的时候也不会因此就想着建仓加入趋势。因此，在更强调判断的长线投资中，我们反而容易看到迷雾背后的逻辑与真相。当然，决定能不能找到代表未来的长线标的，首先是得看得懂业务的发展趋势、看得见公司的未来景象；而公司是行业里的公司，业务是行业里的业务，因此，首先我们需要有一套靠谱的行业认知框架，支持我们去推导行业与公司最可能的发展前景。这就是“行业研究”的工作，对我们来说就是“医药行业研究”。比如，不管是1980年后的美国还是2015后的中国，深度医改后的行业增长都越来越依赖科技突破所创造的增量驱动，那我们就需要重视行业内大技术浪潮的潜在走向；以全球的生物科技为例，我们可以看到很清晰的三波技术浪潮；然后在抗体药物内部，我们也能清晰地看到了工程化升级浪潮，这些技术前景，提示我们一定要重视在中国诞生世界级工程化抗体产品的巨大时代潜力。此外，能称得上典型逆向的，得是那些估值在横向与纵向比较中都处于显著更低水平的标的，而不是看谁跌幅大谁就逆向，因此，要想更好地确定逆向标的，我们就需要一定的估值定价体系来做支撑。我们喜欢把标的估值翻译成直观的3年回报预期。在2022年港股创新药崩盘的时候，我们覆盖的很多港股创新药标的3年回报预期都达到了150%-200%，说明在该标的上我们与市场共识之间存在着极其剧烈的预期差异，如果我们的研究是可信的话，那该标的很可能会成为非常漂亮的逆向投资机会。到了2024年，港股创新药整体估值已经上了一个大台阶但港股高耗却又集体崩盘创了新低，说明该标的很可能比同行承受更为沉重的逆向压制，不排除未来存在更为强劲的价值修复进程。而站在2025年的当下，港股创新药的中性3年回报预期已经趋零甚至转负，港股高耗的中性3年回报预期也已经修复到50%-80%，但我们覆盖的技术平台型中小市值美股生科标的的3年回报预期却升到了150%-200%，虽然我们也不知道市场何时会修复与重估这些美股生科标的，但至少从估值的角度看，当前的美股生科比当前的港股药械承受了更大的逆风压制，不排除这里有更多更好的逆向投资机会。需要明确的是，我们作为个体的认知和影响必然充斥着各种各样的局限性。从这点来说，对自己在大量场景下表现出的错误和无知保持诚实是十分有必要的。有效的开放性学习不仅需要以清晰稳定的自我认知为基础，还需要主体处于对外在新思想有强烈渴求的易激发状态。而不同阶段，我们对外在新思想的接纳程度是不一样的，越是内外交困的时期，个体越有动力去推动对内的改革和对外的开放。对我们而言，2021-2022年港股医药遭遇极端下跌期间，也是我们开放性学习最密集的阶段：当时的我们，一方面，在反复复盘自己的重大历史决策，希望能更清晰地找出自己的主要错误所在。同时，也在学习部分自己所钦佩的优秀同行的历史分享，希望能找出差距来激励自己更好地前行。那段经历给我们留下了不少的积极改变。主要有这四方面的改变。第一改变，留意宏观。医药行业尤其是创新药行业，在行业基本面持续快速发展背景下的系统性暴涨暴跌，让我们意识到医药作为“永远的朝阳行业”，其板块牛熊周期转换背后更多是宏观波动和风格变迁的投射，而不是行业基本面真出现了什么剧烈变革。因此，留意宏观节奏很可能是我们理解医药板块在牛市与熊市逻辑间切换的关键。第二个改变，关注周期。大到整个全球政经主导秩序的百年变局，小到市场对具体某技术赛道的认知变迁，无不充斥着周期的身影；比如市场对非常多新兴事物或新兴技术赛道的认知变迁都符合类炒作周期的规律。先是在逻辑创建的早期因为过度左倾冒进而陷入癫狂的泡沫，然后又因为遭遇现实困境的挑战而右倾投降陷入迷茫的绝望，再然后才在优秀头部公司持续快速发展中逐渐重建信心。若以炒作周期的发展阶段与节奏看，需要对风险更多一份警惕，而美股CGT可能已正处于过度右倾投降阶段，对潜在机遇可以更多一份期待。第三个改变，重视股价。虽然有效开采并不容易，但股价绝对是值得我们深入挖掘的富矿。通过纵向对比标的公司的历史股价与当时估值通道及相关基本面的变化，我们能够比较好地推导判断市场在不同阶段对该公司的共识观点，进而知晓当前股价可能入价了哪些预期逻辑，可能还未入价哪些潜在风险；通过横向对比标的公司与可比同行的估值差异，我们能够比较好地找到与市场存在更剧烈预期差异的标的，以及不同市场不同板块间的潜在收益与风险特征差异。这些信息对于我们更好地理解标的、理解市场、筛选投资方向，都有非常大帮助。第四个改变，适度调仓——除了极少数内生价值有望持续高速跳升的标的之外，绝大多数标的都不适合简单长拿。组合标的要区分战略性持仓与战术性持仓，那些拥有强劲动力和巨大空间的战略性持仓标的，可以对估值多些包容，尽量拿住；但那些只是因为价格远低于价值的战术性持仓标的，遵守投资纪律，在股价充分反映潜力预期或业绩中逻辑受到了明显的破坏之后，该卖得卖、该调得调。站在当下时点，我们也仍然面临着诸多的困扰需要去解决、诸多的痛点需要去改善。最核心的困扰是资本市场运行规律方面的认知仍然严重匮乏，虽然凭借之前多年在行业认知框架与估值定价体系方面的探索积淀，我们已经在一定程度上用专业的研究体系驱散了笼罩在行业前瞻判断上的迷雾；但我们对股价涨跌及市场起落规律的理解仍然捉襟见肘，仍然不足以构建专业的投资体系来驱散笼罩在资源配置取舍上的迷雾。这一困扰将继续指引我们继续去积累对资本市场行为规律的理解，去摸索更高效配置资产的方法体系。但不管怎么说，有困惑、有挑战、有痛点并不是坏事，因为有困惑才有动力，有挑战才有期盼，有痛点才有方向。

Thank you to Amicus: Search and Recruitment for Sponsoring this episode. To find your next Finance or Accounting Role, head to https://amicus.ie/ and tell them that we sent you!This is a replay of a previous episode in the feed. We will be back to normal broadcast next in September 2025.In this episode, Paula talks about the different tax considerations related to Share Buybacks for companies, and the reliefs available when a company deftly manages whether CGT or Income Tax is required in each scenario.Topics Covered:Overview of Share BuybackGeneral explanation of share buyback.Context in exams - a case study where a company buys back shares.Income Tax vs. Capital Gains Tax (CGT) TreatmentDefault treatment as an income tax event under schedule F.Preferable treatment as a CGT event and why (lower tax rate at 33%, CGT reliefs).Conditions for CGT TreatmentThe company must be a trading company or a holding company of a subsidiary.Shares must be in an unquoted company.Shares must have been held for five years by an Irish resident individual.Redemption must be for the benefit of trade.Substantial reduction in the shareholder's interest (25% reduction, shares 30% or less post-redemption).Examiner's IndicatorsRecognizing share buyback questions in exam cases (e.g., shareholders not getting along, detrimental to the company).Tax Reliefs for Qualifying ShareholdersEntrepreneurial relief and retirement relief.Potential to pay no tax on share buyback.Treatment for Non-Qualifying ShareholdersTaxed under schedule F.Tax calculation: agreed buyback price minus nominal value of shares.Rate of tax at marginal rate.Withholding tax at 25% by the company.Special ConsiderationsDistinction from close company transactions.Capital loss for those taxed under income tax.Company's Perspective on Share BuybackPotential stamp duty liability.No stamp duty if shares are converted to redeemable preference shares first.*****Thank you for listening to Study For Tax in your Coffee Break! If you enjoyed the episode, make sure to leave a rating and review on your Podcast platform and share it with others to let them know you enjoyed the podcast.If you'd like to purchase the books from which the content of this podcast is made, head to https://paulabyrne.ie/tax-books/.Thank you to Matthew Bliss for editing and production of this episode. If you'd like him to edit your podcast, send an email to business@mbpod.com or head to https://www.mbpod.com/.

The promise of advanced cell therapies is undeniable, but as demand skyrockets, the challenges of taking a living drug from bench to bedside have never been greater. Each batch brings variability, each jurisdiction adds regulatory hurdles, and every strategic decision can determine whether a lifesaving therapy reaches patients or fizzles out behind clinical barriers.Lindsay Davies is a leading figure in the cell and gene therapy field, serving as Vice President-Elect for Europe at the International Society of Cell and Gene Therapy (ISCT). She is Chief Scientific Officer at NextCell Pharma, co-founder of QVance, and founder of the consultancy CellTherEx. With over 20 years of experience across academia and industry, she brings deep expertise in MSC manufacturing, process development, and commercialization of advanced therapies. Here are three reasons this episode is a must-listen:Manufacturing at Scale, Without Compromise: Lindsay shares why NextCell Pharma has stuck with large-scale 2D manufacturing for MSCs, leveraging cell morphology and a patented donor selection algorithm to reduce batch-to-batch variability while maximizing reproducibility and safety, even when treating hundreds from a single batch.Smart Scaling: Up, Out, or Both? The debate isn't just academic. Lindsay explores when it makes sense to scale up processes versus scaling out to multiple manufacturing sites. She highlights how harmonizing global regulatory expectations and moving to closed 2D systems can lower costs, de-risk production, and bring life-changing therapies to more patients worldwide.Network or Nowhere: Lindsay calls out the myth of the lone innovator, championing the crucial role of strategic networking, partnership models, including “sweat equity”, and early regulatory engagement as keys to avoiding the common commercialization pitfalls that stall so many promising ATMPs.Wondering how to navigate the twin challenges of process control and commercial viability in ATMP development? This episode offers a rare, candid roadmap from the front lines.Connect with Lindsay Davis:LinkedIn: www.linkedin.com/in/lindsay-c-daviesWebsite: www.nextcellpharma.comIf you're interested in breakthroughs in cell therapy, here's what some of our previous guests have shared from the front lines of innovation:Episodes 105-106: From Proteins to Cell Therapy: Why ATMPs Aren't Just Complex Biologics with Oliver KraemerEpisodes 109-110: Spinning Like Earth: Designing Low-Shear Bioreactors for Better Cell Culture with Olivier DetournayEpisodes 125-126: How to Enhance Cell Engineering Using Mechanical Intracellular Delivery with Armon ShareiNext step:Book a free consultation to help you get started on any questions you may have about bioprocess development: https://bruehlmann-consulting.com/call

After a mauling this morning from Mike Hosking Breakfast, Labour’s leader fronts up for the second time today on Newstalk ZB. On the agenda are the Covid Royal Commission public hearings and the prospect of a CGT or wealth tax. See omnystudio.com/listener for privacy information.

C dans l'air l'invité du 11 août 2025 avec Nicolas Bouzou, économiste, directeur du cabinet d'analyses AsterèsEmission présentée par Salhia BrakhliaDans des lettres adressées vendredi aux partenaires sociaux, le Premier ministre a précisé les contours des économies visées pour 2026, avec deux chantiers : la suppression de deux jours fériés et une nouvelle réforme de l'assurance chômage. Pour les jours fériés, il s'agirait du lundi de Pâques et du 8 mai, comme annoncé le 15 juillet lors d'une conférence de presse sur le budget 2026. Les salariés travailleraient ces deux jours sans hausse de rémunération, afin de rapporter 4,2 milliards d'euros supplémentaires à l'État.Sur sa chaîne YouTube, il y a quelques jours, François Bayrou estimait que la suppression de deux jours fériés constituait « un effort acceptable » pour aider le pays à surmonter ses difficultés. Cette mesure intervient alors que, selon Eurostat, les Français travaillent déjà plus que la moyenne européenne. Les professionnels du tourisme redoutent une baisse de consommation et de fréquentation, avec un impact direct sur leur chiffre d'affaires.En parallèle, l'exécutif veut durcir dès 2026 les règles d'indemnisation du chômage pour réaliser "2 à 2,5 milliards d'euros" d'économies par an en moyenne entre 2026 et 2029, puis "a minima 4 milliards d'euros" à partir de 2030. Deux paramètres seraient modifiés : la durée minimale de travail requise et la période de référence d'affiliation, moins de six mois après l'entrée en vigueur de la dernière convention d'assurance chômage.Dans un communiqué commun publié le 9 août, la CGT, FO, CFDT, CFE-CGC et CFTC dénoncent un « saccage inadmissible » et « une attaque en règle des droits des travailleurs et travailleuses » en plein été. Les syndicats se retrouveront le 1er septembre pour préparer une mobilisation, tandis qu'à gauche comme au Rassemblement national, plusieurs voix menacent de censurer le gouvernement.Nicolas Bouzou, économiste et directeur du cabinet Asterès, fera le point sur la suppression de deux jours fériés et la réforme de l'assurance chômage envisagées par le gouvernement.

The key to conquering autoimmune diseases and type 1 diabetes may lie not in replacing lost cells, but in retraining the immune system using cells already within the body.Biotech is increasingly exploring stem cell therapies, but a quieter revolution is brewing: stromal cell therapy. These master “coordinators” aren't about rebuilding tissues molecule by molecule - instead, they orchestrate an anti-inflammatory response, offering new hope for conditions once considered incurable.In this episode of the Smart Biotech Scientist Podcast, host David Brühlmann speaks with Lindsay Davies, a leading expert in advanced therapies. She is the CSO at NextCell Pharma, consultant at CellTherEx, and co-founder of QVance, a QC analytics provider for ATMPs. Recently elected Vice President Elect for Europe at ISCT, Lindsay also chairs its European Industry Committee and serves on multiple task forces. With over 20 years bridging academia and industry, she's helped shape the full lifecycle of cell-based therapies, from development to commercialization.Here are three reasons why you can't miss this episode:Stromal Cells - The Unsung Heroes: Discover the essential distinction between stem cells (the “builders”) and stromal cells (the “coordinators”), and how harnessing the latter's unique immune-modulatory powers is unlocking treatments for diabetes, COVID-19, and autoimmune diseases.A Manufacturing Mindset Shift: Lindsay explains why scaling out cell therapies defies the “plug-and-play” approaches of traditional biologics manufacturing. With cell quality so sensitive to environmental shifts, the key lies in process simplicity, early regulatory collaboration, and deep biological understanding - especially when donor variability enters the mix.Allogeneic Therapies Made Real: Thanks to umbilical cord-derived stromal cells, treatments can be manufactured at scale, stored frozen, and delivered on demand - no patient matching required. The result? Outpatient infusions, no side effects, and effects lasting up to five years, dramatically simplifying lives for those with chronic inflammatory conditions.Ready to rethink how cell therapies are changing medicine - and what it could mean for your bioprocessing strategy? Hit play and find out how Lindsay Davis is redefining what's possible in advanced therapy manufacturing.Connect with Lindsay Davis:LinkedIn: www.linkedin.com/in/lindsay-c-daviesWebsite: www.nextcellpharma.comIf you're interested in breakthroughs in cell therapy, here's what some of our previous guests have shared from the front lines of innovation:Episodes 105-106: From Proteins to Cell Therapy: Why ATMPs Aren't Just Complex Biologics with Oliver KraemerEpisodes 109-110: Spinning Like Earth: Designing Low-Shear Bioreactors for Better Cell Culture with Olivier DetournayEpisodes 125-126: How to Enhance Cell Engineering Using Mechanical Intracellular Delivery with Armon ShareiNext step:Book a free consultation to help you get started on any questions you may have about bioprocess development: https://bruehlmann-consulting.com/callDevelop bioprocessing technologies better, faster, at a fraction of the cost with our 1:1 Strategy Call: The quickest anJoin 500+ CGT leaders at Advanced Therapies Europe 2025 (September 2-4, Barcelona) for live case studies, regulatory insights, and exclusive collaboration opportunities. As a Smart Biotech Scientist listeners you'll save 20% with code SMARTPODCAST20 – Register hereSupport the show

Chris Hipkins came undone yesterday, twice. You would hope, given there is literally no pressure on him right now and he basically gets to spend his days bagging the Government, he might want to sharpen up, given next year is a whole different kettle of fish. Mistake number 1: He attempted to gain points on Palestine by suggesting David Seymour was holding the Government to some sort of ransom and if it wasn't for the veto they would have declared support for statehood by now. What Seymour said was Hamas would need to be demilitarised. Now, apart from the fact that's not radical, new, or an already widely held view by many who want to recognise Palestine – what is it Hipkins is saying? He doesn't mind Hamas or Hamas being a terror group? Would he be happy with the two state solution, with Hamas at the control panel? If he does, no problem, just say so. Mistake number 2: For reasons best known to himself he got trapped in a discussion about his tax policy. What tax policy, you ask? Exactly. But he somehow managed to suggest that even though there isn't a tax policy, what there is, is broad agreement around a wealth tax and a capital gains tax. And then the bullet in the foot – he couldn't rule in, or out, the possibility that the family home was part of that tax capture. Tip number 1: Drop the Middle East. No vote is moved in this country on a place that has been a disaster zone for decades and the more you look like you tolerate terrorists the more you put middle New Zealand off you. Tip number 2: If you are stupid enough to even hint that a family home could be part of a new tax, give up right now because you are toast. As history shows, a CGT with the family home exempt has been trialled and rejected multiple times by his own party. The irony of ironies being it was Hipkins himself with a captain's call that dropped it last time. So not only is he clearly not committed or convinced, he seemingly may have been hijacked by some left-leaning radicals inside his own camp to get the family home involved. So, a party that can tolerate Hamas and tax your family home. What could possibly go wrong? See omnystudio.com/listener for privacy information.

In this episode of the Ori Spotlight Podcast, Jason C. Foster welcomes Lavakumar (Kumar) Karyampudi, Senior Director of Cell Therapies at Moffitt Cancer Center, to discuss how academic institutions are evolving to meet the demands of early-phase CGT trials.Kumar shares how Moffitt is building flexible, end-to-end infrastructure that supports the full development cycle – from translational research to GMP manufacturing. Together, they explore how tighter integration between scientists, clinicians, and operational teams can accelerate first-in-human trials, why academic centres play a crucial role in advancing CGTs, and how the right partnerships can extend institutional capabilities.Connect with Kumar: https://www.linkedin.com/in/lavakumar-karyampudi/

In this GARAGE edition, Jeremy Cordeaux tackles a jam-packed agenda: RBA rate cut and a week of data that could vindicate or blow up the call Record ambulance ramping — who takes responsibility? Home invasion self-defence (Vic MP David Limbrick’s push) Visa controversy & the question of shared values “March for Australia” (Aug 31) — why Jeremy says it’s patriotic, not extreme National Debt Helpline hits record calls EV battery fire risks (phone fire on plane, home battery concerns, range truth) Markets & seasonality: irrational exuberance & crash months ACOSS wishlist: negative gearing & CGT discount Unions vs AI: can the government stay neutral? 14,000 pages of tax law & the Big 4 industry it created Estonia’s flat tax as a “keep it simple” model Charities & major codes — tax-free giants Shoutouts: Rising Sun (Kensington), Elder Fine Art (North Adelaide) Friday Live: jeremycordeaux.com (9am–12pm ACST) See omnystudio.com/listener for privacy information.

Action Station Aotearoa's director Kassie Hartendorp joins us tonight LIVE at 9pm to talk Māori Wards and the billboard last week using Ellen Tamati's image by Hobson's Pledge. Education Minister Erica Stanford was on Q+A in the weekend where Jack Tame asked her about the impact her proposed scrapping of NCEA and implementation of a new assessment regime may have for students with diverse needs.Christopher Luxon was on with best mate Mike Hosking this morning where Luxon professed loudly that he would love the left to run on a CGT demonstrating again that he has no idea that this is no longer a controversial policy and in fact has broad appeal to a majority of New Zealanders=================================Come support the work we're doing by becoming a Patron of ⁠⁠#BHN⁠⁠ www.patreon.com/BigHairyNews⁠=================================Merch available at www.BHNShop.nz Like us on Facebookwww.facebook.com/BigHairyNews Follow us on Twitter.@patbrittenden @Chewie_NZFollow us on BlueskyPat @patbrittenden.bsky.socialChewie @chewienz.bsky.socialEmily @iamprettyawesome.bsky.socialMagenta @xkaosmagex.bsky.social

durée : 00:02:49 - La CGT de Toray dénonce des sanctions "disproportionnées" de la direction Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Send us a textIn this episode, Stuart and Mena take a deep dive into one of the biggest and often most misunderstood taxes investors face, Capital Gains Tax (CGT). Whether you're dealing with property, shares, or business assets, they explain why the smartest CGT strategies begin not at the point of sale, but before you even buy the asset.They start by breaking down how CGT works, who gets the 50% discount, and why holding structures, like companies, individuals, or discretionary trusts, make a huge difference in the final tax bill. Mena explores how to maximise your cost base by tracking all deductible expenses, while Stuart walks through the power of discretionary trusts to stream gains and reduce tax across beneficiaries.Listeners will also learn about the generous small business CGT concessions, how to use financial year timing to their advantage, and when it may make sense to hold assets in a company structure. The duo highlights real-world examples, including property strategies that stagger gains over multiple years, and tactical planning tips for EOFY.This episode is a must-listen for anyone wanting to reduce or eliminate CGT and understand why strategic ownership from the start is the real secret to long-term tax efficiency.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.

On this episode of Soundbites of the Annual Meeting, we talked to Mimi Lee, MD, PhD, a physician-scientist and program manager at the Advanced Research Projects Agency for Health (ARPA-H). In her conversation with ASGCT's Communications Committee Chair, Lynnea Olivarez, Dr. Lee discusses: ARPA-H's unique approach to funding and structuring CGT development breaking down silos to improve health outcomes for all the role that CGT will play in prevention, rather than just treatment, of diseases Listen and subscribe to the ASGCT Podcast Network so you don't miss any episodes!Show your support for ASGCT!: https://asgct.org/membership/donateSee omnystudio.com/listener for privacy information.

It's another full show of questions, ranging from assumed growth rates for investments, to Save As You Earn schemes to retirement cash buffers, and much more besides!   Shownotes: https://meaningfulmoney.tv/QA20    01:21  Question 1 Hi to you both. Absolutely love the podcast and Pete's book. The information in both has made a huge difference to my understanding of what to do with my finances. My question is about expected returns when investing in equities. If often hear people use 5% growth as a estimate to use when predicting possible future values of an investment. But from what I can see (and I could be wrong!) The global stock market has averaged around 8-9% over the last 20 years. This obviously makes a huge difference to the total expected value when compared to 5%. I currently have a DB scheme pension through the fire service, so I do my 'extra' investing through a S+S ISA global index fund with 100% equities which has averaged 8.5% over the last 8 years. I am happy with a higher risk level as I have the DB pension from the Fire Service. Am I missing something with my numbers? Thanks again for all the great information. I have recommended you to many of my friends. Kind Regards James W 08:22  Question 2 Hi Pete and Roger, Thank you so much for your contribution to making the world a better place. Your passion for sharing and educating everyone is inspiring. I have a question about our Save As You Earn Scheme maturing this year. I'm lucky enough that (at the current price) I'll get a total return of > £20k at maturity in November. Not counting my chickens, but I'd like to plan the most tax efficient way of receiving these funds. The SAYE provider offers a flexible ISA to receive the shares. Could I transfer enough shares for £20k into the ISA, sell and withdraw enough cash to make space to then transfer the rest of the shares to avoid any CGT? Alternatively, could I exercise the option in March and partially transfer into an ISA across the tax year end? Are there any other mechanisms I could use to minimise tax? Thank you again for all of your hard work. Priten 15:01  Question 3 Hi Team Long time listener and YouTube viewer, heck I even watched a video when Pete wore a tie! Your podcasts have made me change my pension default funds, increase my salary sacrifice (really affects take home pay a lot less than people think!) and generally have confidence in my future. Thank you! Question: When I do finally decide to retire I'm planning a 1-2 year cash buffer for any market disasters that may happen.  But when would you say to use this?  The markets always move up and down a bit but should I use the cash buffer if they drop 3%, 5%, 10%?  And then if I've taken 1 years worth of income from the buffer how do I rebuild the buffer?  For example I'm targeting a pension drawdown of around £45K per year to keep below 40% tax.  But if I've just used up the buffer then I'll be taxed 40% on taking out extra to rebuild it, so why bother as any downturn is very likely to be smaller than 40%!  Wouldn't it just make sense to take out less in a downturn than get taxed 40% to rebuild a buffer? Thanks for all the podcasts! Simon Doig Halifax (but was in Cornwall!) 213:33  Question 4 Hi guys Podcast question for you please: "I've been a listener for ages, and so I have started to do the good things you suggest. I had a workplace pension (local gov DB) but now I have AVC's, a SIPP, and an S&S ISA, as well as a savings account and life insurance/ critical illness cover. Thank you. I am making contributions monthly to my pension and ISA but the gist of my question is, is it worth it if I'm only saving small amounts? This is the most I feel I can save without compromising my lifestyle, but it feels small. I'm 31 and so I'm prioritizing available cash in savings accounts for things like, new cars, boiler breakdowns and hopefully having a baby. I'm saving £80 a month into my ISA & £60 a month into my pension. Occasionally I did in extra bits when I feel I can afford it. Is this worth it, is it enough? Is it not worth bothering if I'm not saving in bigger chunks? Thanks so much - from Bianca 25:33  Question 5 Hi Pete & Roger, I have been listening to your podcast for some time and love your chat and sensible and pragmatic “advice” especially when walking my dog. I feel I'm quite knowledgeable but always pick up pearls of wisdom from you both. My wife and I have over £300k in GIAs having maximised our ISAs since around 2009. This is all in Scottish Mortgage (I'm sure you appreciate any withdrawals are 80% gains as we bought around £2). We sold all our Scottish Mortgage in ISAs near the £15 peak which was lucky and allows us to sleep at night as we are more diversified- mainly vanguard index funds.  You have mentioned taking the CGT hit each year and moving money to ISAs however I'm not convinced that would make sense for us. Assuming we sold around £24k each of our Scottish Mortgage GIA each year that would give us around £20k each to move into our ISAs however we would pay around £4k each in tax (24% CGT rate). My thinking is that it will take a long time to make that up via better tax treatment in an ISA. So far my plan is to hang on until we are retired and can pay a lower rate of CGT on any gains plus there is a chance a future Government (not one I would vote for myself) may increase the £3k tax free allowance. Also if we left it all in the GIA as inheritance to our daughter (as we may not need it ourselves) would she potentially pay IHT on it and no CGT would ever be paid? We are 54 and hope to retire by 56. Many thanks. Paul 32:05  Question 6 Hello Pete & Roger Fabulous podcast and I binged Pete's new book in one sitting-the best investment I'm ever going to make! I love the concept of the cashflow ladder. I'm in my early 50's and in the University hybrid pension scheme with a great DB component and a decent projected DC pot. I can select appropriate funds for each timeline tranche within my providers system. When I come to access the DC component (limited to up to 4x UFPLS per year only-no FAD), the provider doesn't allow the draw from each pot independently so it's impossible take money only from the fund I'm targeting at that point. The fees in the current scheme are subsidised to 0% by the scheme. What kind of broad principles should someone weigh up when thinking about the flexibility advantage vs the cost of transfer to get that flexibility? Thanks, Duncan

The latest episode of the DDW Highlights podcast is now available to listen to below. DDW's Megan Thomas narrates five key stories of the week to keep DDW subscribers up-to-date on the latest industry updates. Following the recent news that the FDA rejected Ultragenyx Pharmaceutical's gene therapy due to manufacturing concerns, manufacturing has dominated the headlines this week, particularly significant investment in facilities in the US, and new guidelines to speed up CGT production in the UK. You can listen below, or find The Drug Discovery World Podcast on Spotify, Google Play and Apple Podcasts. 

– Won’t rich Superannuants simply remove their assets and delay CGT anyway? – Debt to GDP misses the assets of a government – How do we encourage people to move to the bush? – Who’d be a farmer? – You’re wrong on inflation and money printingSee omnystudio.com/listener for privacy information.

Avec : Denis Gravouil, secrétaire confédéral 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 Matthieu Belliard et les témoignages des auditeurs de RMC au 3216.

C dans l'air du 16 juillet 2025 : Bayrou allume la mèche budgétaireDépenser moins et travailler plus. Le Premier ministre a dévoilé mardi son plan pour réaliser 43,8 milliards d'économies en 2026 et enrayer la hausse de la dette. Pour ce faire, François Bayrou propose de supprimer deux jours fériés, le lundi de Pâques et le 8 mai, une année blanche avec un grand gel sur les dépenses de l'État — prestations sociales, pensions de retraite — mais aussi sur le barème de l'impôt, la fin de l'abattement de 10 % pour les retraités, remplacé par un forfait de 2 000 euros, la suppression de 3 000 postes de fonctionnaires, l'augmentation de la franchise sur les médicaments à 100 euros par an et une moindre prise en charge des affections de longue durée (ALD)…Une potion amère qui suscite déjà de vives réactions de plusieurs figures politiques, syndicales et associatives. Si Emmanuel Macron estime que le budget présenté par François Bayrou a « la vertu du courage, de l'audace et de la lucidité », le Rassemblement national, La France insoumise, les écologistes et les socialistes demandent au Premier ministre de "revoir sa copie", sans quoi il sera censuré.Ce mercredi matin, la secrétaire générale de la CGT a, de son côté, appelé à la mobilisation à la rentrée et demandé aux parlementaires de "tout faire pour que ces mesures ne s'appliquent pas, parce qu'elles sont non seulement injustes, mais dangereuses pour le pays". Sophie Binet dénonce ce qu'elle appelle une "honte".Impôts, retraites, jours fériés, année blanche… Quelles sont les principales pistes détaillées par François Bayrou pour le budget 2026 ? Qui pourrait être le plus impacté ? Les retraités sont-ils en première ligne ? Menacé de censure, François Bayrou peut-il faire adopter son plan ? Enfin, le RN, rattrapé par de nouvelles affaires, est-il fragilisé ?LES EXPERTS : - Dominique SEUX - Directeur délégué de la rédaction - Les Echos- Nathalie SAINT-CRICQ - Editorialiste politique - France Télévisions - Lou FRITEL - Journaliste politique - Paris Match - Jérôme FOURQUET - Directeur du département Opinion - Institut de sondages IFOP, auteur de Metamorphoses francaises

Parmi ses propositions avancées mardi 16 juillet pour réaliser des économies, François Bayrou veut "lever les obstacles qui tiennent pour beaucoup les Français éloignés du travail". Le Premier ministre souhaite proposer de "nouvelles négociations aux partenaires sociaux", une sur "l'assurance chômage", une autre sur "le droit du travail". Les syndicats sont-ils prêts à se remettre autour de la table après le conclave ? Sophie Binet, secrétaire générale de la CGT est l'invitée de Stéphane Carpentier. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

En 2016, les Deschiens présentaient un sketch au micro de Mademoiselle Jade : Bruno, syndicaliste à la CGT, expliquait ses diverses motivations pour faire la grève. 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.

Mujeres Libres fue una organización autónoma, ajena a las estructuras de cualquier órgano del movimiento libertario. Sin renunciar a sus raíces anarquistas, practicaron un feminismo obrero. Se marcaron como objetivo preparar a las mujeres para poder participar en primera persona en la revolución libertaria. Es decir, querían formar a las mujeres, que sufrían unas tasas de analfabetismo elevadas y atraerlas al movimiento libertario. Tuvieron que luchar contra una cultura de honda raigambre católica y, lo más doloroso, contra la indiferencia cuando no desprecio de sus compañeros y compañeras libertarias. A pesar de llegar a contar con más de 20.000 afiliadas solo en la zona republicana, jamás fueron admitidas como parte integrante del Consejo General del Movimiento Libertario. Con este documental hemos intentado averiguar qué pensaban, cuál era su planteamiento político y cómo desarrollaron su labor. Para conseguirlo nos hemos entrevistado con dos protagonistas directas de esta historia, Conchita Liaño y Sara Berenguer. Ambas tomaron parte activa y en primera línea en los gloriosos días de Julio del 36. Ambas con un bagaje político y humano considerable. Por otra parte, nos hemos entrevistado con escritoras e historiadoras como Laura Vicente que nos han puesto en antecedentes. También nos hemos entrevistado con Martha Ackersberg, profesora del Smith College de Massachusetts y autora del libro Mujeres Libres de España, que nos acerca a la situación política de los primeros años 30 y al caudal humano de Mujeres Libres. Así mismo, hemos estado con uno de los grupos que mantienen el legado de aquellas mujeres: Dones Lliures D’Alacant, un grupo de mujeres de CGT que se reivindica anarkofeminista. Contamos también con la presencia poética y comprometida con el feminismo actual de la escritora Llum Quiñonero. Para hacer más comprensible el mensaje de nuestras protagonistas hemos recreado escenas con actrices llegando a reproducir un mitin en un teatro. Además, nos hemos traído desde donde quiera que esté al espíritu de Lucia Sánchez Saornil, que nos ayuda a contar la historia.

Joe DePinto, MBA, Head of Cell, Gene & Advanced Therapies at McKesson, joins the show to discuss InspiroGene, McKesson's end-to-end platform built to address the complex delivery, coordination, and commercialization needs of cell and gene therapies. He breaks down how InspiroGene integrates logistics, specialty pharmacy, patient support services, and real-time data tracking to close critical gaps in the CGT ecosystem—especially around why many eligible patients are still not being identified, referred, or treated. He also explores the broader vision: enabling scalable access to these therapies as they move from rare diseases to larger populations, and what it will take—from providers, payers, and pharma—to meet that future. Check out Chadi's website for all Healthcare Unfiltered episodes and other content. www.chadinabhan.com/ Watch all Healthcare Unfiltered episodes on YouTube. www.youtube.com/channel/UCjiJPTpIJdIiukcq0UaMFsA

Welcome to the one hundred and forty fourth episode of the #Expatchat podcasts where we discuss the latest tax and financial issues affecting an #Australianexpat. In this episode, James Ridley, Managing Director of the Australian office, breaks down the implications of the recently passed “One Big Beautiful Bill” on Australian expats living in the U.S. Now signed into law as of July 4, 2025, the legislation introduces several key tax changes—most notably, a 3.5% excise tax on outbound remittances beginning January 1, 2026. This could significantly affect visa holders (E-3, L-1, H-1B, and green card holders) who regularly send funds overseas. James also explains how this tax could apply to: - Restricted stock units (RSUs) - Dividends and rental income - Proceeds from property or share sales Currency providers may be required to withhold the tax at source, adding a compliance burden for expats and institutions alike. Another critical update: Section 899, the so-called “retaliatory tax,” could raise U.S. dividend withholding rates up to 50% for residents of countries deemed to have “unfair” tax systems—Australia's status remains to be clarified. Action Items: ✅ Seek advice if you're inheriting shares as a non-resident—CGT event K3 may apply. ✅ Register for our upcoming webinar to learn more about U.S. tax changes, currency shifts, and cross-border financial strategies. ✅ Prepare early for 2026, especially if you transfer money internationally or receive U.S.-sourced income. Links that we discussed in this episode include: • Upcoming events - atlaswealth.com/events • Facebook Group - Australian Expat Financial Forum Facebook Group - www.facebook.com/groups/Australia…atfinancialforum • Ask Atlas - Have your questions answered on the podcast by clicking this link - atlaswealth.com/news-media/austra…he-expat-podcast/ • Expat Mortgage Podcast - atlaswealth.com/news-media/austra…mortgage-podcast/ • Weekly Recap Podcast – https://atlaswealth.com/news-media/australian-expat-podcasts/weekly-recap-podcast-4/ If you like the content make sure you let us know by hitting the thumbs up and subscribing as well as providing some feedback in the comments below. The Atlas Wealth Group is a specialist in providing tax, financial planning, asset management and mortgage services to every Australian #expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing essential financial services to the expatriate community. The Atlas Wealth Group was born out of the demand from Australian expats who wanted a professional to help them navigate the tax and financial maze of living abroad as well as assisting them make the most out of their time overseas. To find out more about the Atlas Wealth Group and how we can help Australian expats please go to www.atlaswealth.com. Make sure you connect with us on our respective social media channels: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-group Twitter: www.twitter.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthgroup

The latest episode of the DDW Highlights podcast is now available to listen to below. DDW's Megan Thomas narrates five key stories of the week to keep DDW subscribers up-to-date on the latest industry updates. In significant news this week, the FDA in the US has removed red tape that limits which centres could give CAR-T therapy, in a move to improve access to the therapies. The round-up this time focuses on other developments in cell and gene therapies (CGT) including two high profile acquisitions. You can listen below, or find The Drug Discovery World Podcast on Spotify, Google Play and Apple Podcasts. 

This week, Mark and Shani take a look 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. We take 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. You can read the full article here.You can find more examples of the policy on the ATO website.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. Hosted on Acast. See acast.com/privacy for more information.

Una ola de calor azota a Europa estos días con temperaturas que superan los 40°C a la sombra. En Francia, esta canícula coincide con la entrada en vigor de un decreto que obliga a las empresas a proteger mejor a sus empleados de los efectos del calor. Después de España e Italia, Francia se suma a la lista de países que implementan nuevas medidas para prevenir el estrés térmico en el trabajo. El nuevo decreto entró en vigor justo en plena ola de calor en Europa, con temperaturas que superan los 40°C en varios países, y es una respuesta a la nueva realidad climática francesa, justificó la ministra de Trabajo. Desde el año 2000, la frecuencia de las olas de calor se ha duplicado en Francia. Y esta tendencia se agravará si el calentamiento global sigue su trayectoria actual. Desde el 1° de julio, las empresas tienen la obligación de mitigar los riesgos durante las olas de calor con una serie de medidas que incluyen: Cambio de horario laboral Pausas más frecuentes Reducción de la exposición al sol Entrega de 3 litros de agua por día por trabajador. Dichas medidas son bienvenidas, comenta Jean-Pascal François, secretario de la federación de albañiles del sindicato CGT. El sindicalista pide ahora ir más allá y fijar límites precisos de temperatura a partir los de cuales habría que cesar de trabajar. "En caso de que el calor ponga en peligro a los trabajadores, pedimos que las empresas asuman las consecuencias del descanso laboral. Podríamos también desarrollar ropa ventilada como en Japón donde los albañiles tienen chalecos con mini ventiladores. En Catar, país del cual soy muy crítico, evalúan la temperatura, la humedad, los tiempos de pausas. Son cosas que deben inspirarnos”, dijo a RFI. Para medir adecuadamente los riesgos del calor para el cuerpo humano, la temperatura del aire sola no es un criterio insuficiente. Catar por ejemplo utiliza como referencia desde 2021 la temperatura de bulbo húmedo. Un índice que incluye también la radiación solar, la velocidad del viento y la tasa de humedad. Y en Catar, se suspenden las actividades laborales si este índice supera 32.1 grados Celsius. Otros países también como Sudáfrica o Mozambique fijaron límites de temperatura a partir de los cuales se toman medidas como paralizar algunas actividades. “En Túnez, Namibia o isla de Mauricio, se reconocen oficialmente algunas patologías vinculadas al calor como enfermedades profesionales. En Brasil, México, Chile y Costa Rica se han fijado límites de temperatura o se han instaurado medidas de adaptación, como reforzar el monitoreo médico de los trabajadores más expuestos al calor. Muchos países no han fijado umbrales de temperatura, pero sí han impuesto obligaciones a los empleadores para proteger a los trabajadores del calor excesivo”, observa Dafné Papandrea, experta en la Organización Internacional del Trabajo, OIT. Además de la deshidratación, los golpes de calor, la agravación de patologías como hipertensión o enfermedades renales y las enfermedades cardiovasculares son algunos de los riesgos a los que se exponen los trabajadores en caso de calor extremo. Con información de Pauline Gleize.

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.

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

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...

– 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 : 00:15:04 - 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.

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.