Podcasts about cgt

C dans l'air du 4 décembre 2025 - Qui peut encore sauver le budget... et Lecornu ? Il ne reste plus que quelques jours aux députés pour examiner le projet de budget de la Sécurité sociale, dont le vote solennel est prévu mardi 9 décembre. Le Premier ministre a redit hier qu'il n'utiliserait pas le 49.3 pour le faire passer et a estimé possible de « trouver une zone d'atterrissage […] autour de 20 milliards d'euros de déficit ». Mais les discussions se tendent à l'Assemblée nationale, et Sébastien Lecornu a annulé l'intégralité de ses rendez-vous de la journée, notamment avec la CGT et la CFDT, pour se consacrer « aux débats parlementaires sur le PLFSS ».Beaucoup de tensions se cristallisent autour de la suspension de la réforme des retraites et de l'augmentation de la CSG sur le capital, un point qui doit être examiné ce jeudi par les députés. Le débat promet d'être explosif. Le PS en fait un point clé pour voter le PLFSS (ce qui n'est pas encore acquis), tandis que Les Républicains (LR) et Horizons ne veulent pas en entendre parler. Édouard Philippe et ses troupes ont menacé ces dernières heures de ne pas voter le PLFSS si ces « irritants » restent dans le texte. Ce qui n'a pas manqué de faire réagir le patron de Renaissance : Gabriel Attal a appelé le fondateur d'Horizons à garder « son sang-froid » et ses « nerfs solides ». « Dans la période où l'air de la vie politique est devenu totalement irrespirable […], on a besoin de points de repère (…) Il faut tout faire pour avoir un budget d'ici la fin de l'année », a-t-il ajouté à destination de son prédécesseur à Matignon.Le socle commun, sur lequel s'appuie Sébastien Lecornu et qui va de Renaissance à LR en passant par le MoDem et Horizons, se fracture alors que, chez LR, à l'approche des municipales, la tentation d'une alliance avec l'extrême droite gagne du terrain. Invité de la matinale de TF1 mercredi, Laurent Wauquiez a expliqué la ligne de son parti si jamais le candidat LR n'était pas présent au second tour : « Nous appellerons à voter tout sauf LFI. Cela veut dire voter blanc, cela veut dire voter pour ceux qui sont en face, quel que soit le parti. Tout sauf LFI, je ne peux pas être plus clair », a déclaré le président des députés LR. Et, dans certaines communes, certains franchissent le pas dès le premier tour. Ainsi, à Bourg-en-Bresse, des élus d'opposition Les Républicains ont décidé de se ranger derrière le candidat Reconquête pour constituer une liste commune.Alors, un compromis est-il possible sur le budget de la Sécurité sociale ? Édouard Philippe veut-il faire tomber le gouvernement Lecornu ? Quelle est la position du parti LR vis-à-vis du RN et de Reconquête ? Enfin, après trois ans au pouvoir, quel est le bilan de la politique de Giorgia Meloni ?Nos experts :- Christophe BARBIER - Éditorialiste politique, conseiller de la rédaction - Franc-Tireur - Sylvie PIERRE-BROSSOLETTE - Éditorialiste politique - Le Point - Bruno JEUDY - Directeur délégué et éditorialiste - La Tribune Dimanche- Jérôme FOURQUET - Directeur du département Opinion - Institut de sondages IFOP, auteur de Métamorphoses françaises

C dans l'air du 4 décembre 2025 - Qui peut encore sauver le budget... et Lecornu ? Il ne reste plus que quelques jours aux députés pour examiner le projet de budget de la Sécurité sociale, dont le vote solennel est prévu mardi 9 décembre. Le Premier ministre a redit hier qu'il n'utiliserait pas le 49.3 pour le faire passer et a estimé possible de « trouver une zone d'atterrissage […] autour de 20 milliards d'euros de déficit ». Mais les discussions se tendent à l'Assemblée nationale, et Sébastien Lecornu a annulé l'intégralité de ses rendez-vous de la journée, notamment avec la CGT et la CFDT, pour se consacrer « aux débats parlementaires sur le PLFSS ».Beaucoup de tensions se cristallisent autour de la suspension de la réforme des retraites et de l'augmentation de la CSG sur le capital, un point qui doit être examiné ce jeudi par les députés. Le débat promet d'être explosif. Le PS en fait un point clé pour voter le PLFSS (ce qui n'est pas encore acquis), tandis que Les Républicains (LR) et Horizons ne veulent pas en entendre parler. Édouard Philippe et ses troupes ont menacé ces dernières heures de ne pas voter le PLFSS si ces « irritants » restent dans le texte. Ce qui n'a pas manqué de faire réagir le patron de Renaissance : Gabriel Attal a appelé le fondateur d'Horizons à garder « son sang-froid » et ses « nerfs solides ». « Dans la période où l'air de la vie politique est devenu totalement irrespirable […], on a besoin de points de repère (…) Il faut tout faire pour avoir un budget d'ici la fin de l'année », a-t-il ajouté à destination de son prédécesseur à Matignon.Le socle commun, sur lequel s'appuie Sébastien Lecornu et qui va de Renaissance à LR en passant par le MoDem et Horizons, se fracture alors que, chez LR, à l'approche des municipales, la tentation d'une alliance avec l'extrême droite gagne du terrain. Invité de la matinale de TF1 mercredi, Laurent Wauquiez a expliqué la ligne de son parti si jamais le candidat LR n'était pas présent au second tour : « Nous appellerons à voter tout sauf LFI. Cela veut dire voter blanc, cela veut dire voter pour ceux qui sont en face, quel que soit le parti. Tout sauf LFI, je ne peux pas être plus clair », a déclaré le président des députés LR. Et, dans certaines communes, certains franchissent le pas dès le premier tour. Ainsi, à Bourg-en-Bresse, des élus d'opposition Les Républicains ont décidé de se ranger derrière le candidat Reconquête pour constituer une liste commune.Alors, un compromis est-il possible sur le budget de la Sécurité sociale ? Édouard Philippe veut-il faire tomber le gouvernement Lecornu ? Quelle est la position du parti LR vis-à-vis du RN et de Reconquête ? Enfin, après trois ans au pouvoir, quel est le bilan de la politique de Giorgia Meloni ?Nos experts :- Christophe BARBIER - Éditorialiste politique, conseiller de la rédaction - Franc-Tireur - Sylvie PIERRE-BROSSOLETTE - Éditorialiste politique - Le Point - Bruno JEUDY - Directeur délégué et éditorialiste - La Tribune Dimanche- Jérôme FOURQUET - Directeur du département Opinion - Institut de sondages IFOP, auteur de Métamorphoses françaises

We're getting into the groove of doing video podcasts now, and today we have another mixed bag of questions. They include the tax implications of moving abroad, whether to start a pension in your 60's, whether it's possible for a pension fund to be too big and lots more besides! Shownotes: https://meaningfulmoney.tv/QA34    01:24  Question 1 Hi Pete and Roger Thanks for the fantastic podcast, YouTube videos (and book) I have learnt so much. My question is essentially about whether to overpay my mortgage or invest. I have watched Pete's videos on this subject but just wanted to check if my situation changes anything. I'm a 41 year old Firefighter and I am in the Firefighters Pension Scheme. I am recently divorced and as such have had to start again with a 25 year mortgage currently fixed for 5 years at 4.1%. Essentially should I focus on overpaying this mortgage so that it is definitely paid off by the time I am 60 (When I can retire from the Fire service) as I already have the DB Firefighters Pension. Or would I still be better to invest this money in a stocks and shares ISA and use it to pay off the mortgage at a later date? My disposable income for whichever option would be around £200 a month. Lastly I will probably continue working past 60 yrs old but it may be in a different profession as by that age I may not feel like dragging hose and climbing ladders anymore! Thanks again, James   05:33  Question 2 Hi Pete and Roger, I've been listening to your brilliant podcast since COVID, so around 5 years now and always look forward to the new episode coming out. I don't really have a financial related question for you, more some advice... I've tried to educate my daughter on personal finance and I think she now has a good grasp and is interested in becoming a financial advisor. She is now 19, has decent A levels and has just completed an Art foundation course. She has University offers for September which she has deferred as she really doesn't want to go! We live in West Kent (nr Tunbridge Wells) and I've been looking for trainee, bottom of the rung, Financial advisor jobs for her but I can't seem to find anything. She could commute to London, if required but would rather stay local if possible. Do either of you have any suggestions about how she might be able to get into the industry? We're happy to pay for courses of that helps her but not sure what would be best. Sorry for the long email, any advice would be very gratefully received. All the best and keep up the great work Matt and Belle Hart   13:23  Question 3 Hello to Pete and Rog, Thanks for the podcast so far, my family is in a much sounder financial footing since I've started putting into action some of the basics you've spoken about previously. ISAs, pensions and insurance all ticking along nicely now - thanks to you! I have a question about my pension, is it possible to add too much? My thoughts are, if my pension pot in today's money is worth £1.25m when I retire, I can take the 250k tax free and £40k a year thereafter, anymore than this and I would be paying 40% tax on my drawings. Are there benefits I'm missing of having a larger pot (say £2m)? Not one I need to worry about yet, if at all, but it's always puzzled me! Many thanks for the content, keep up the good work and enjoy the sunshine this weekend! Adam   18:30  Question 4 Hi Pete & Rog, Have been a long time listener and have loved your double act with the self effacing banter alongside sound, sensible guidance on the minefield that personal finance can often seem to be. Listening whilst walking the dog is like chewing the fat down the pub with a couple of great friends, So my situation is this... 47 years old, married with two kids (11/14). Myself and my wife both have good jobs, own jointly (own names) 8 x BTL properties generating a profit. Equity in Portfolio is about £400k Portfolio was built to provide additional income and to support us in retirement (either the income or by selling) We have our own home (mortgaged) and are in the process of moving to a bigger place as we're growing out of where we are. This will come with a bigger mortgage as we're scaling up so to minimise the increase in monthly payments we're increasing the term back to our state retirement ages (which is a bit depressing!). So our ideal plan is to have the "choice" to semi retire / work as much or little as we want by age 57 - so around 10 years from now but we are not sure whether this is realistic and the best way to set things up to achieve it if it is. We would probably still work part-time beyond 57 but would want to have other sources of income that could support a comfortable lifestyle. To add to the complexity, but in a good way, I'm also in the process of changing jobs and the new job comes with a £20k pa pay rise and a matched pension at 6%. This is obviously lower than my current employers scheme but I plan to at least match what currently goes into my current employer pension one way or the other. So after what must be one of the longest pre-ambles you've ever read here are my question(s): In terms of where we are now do you think getting to a position where we have a choice to retire/semi retire in 10 years is realistic and what are the key things we should be doing now ten years out taking into account our circumstances? How would you approach the pension situation with my change of employer, my thought was to make contributions to my private pension to cover the overall reduction (9% matched to 6% matched) between employers so that I'm still putting in 18% overall. I think I may be able to put as much as I like into my new employers scheme though (but they'll only match 6%) so would this be a better option? In terms of our mortgage in 10 years it will still be around £350k so we would want to reduce this significantly or even pay off in full at that point. My thought was to sell 5-6 of the BTL's over 5 years leading up to age 57 to pay it down however this obviously reduces our passive income from the portfolio and we'd pay a chunk of CGT along the way. Are there any better ways of achieving the same result? I hope I haven't broken any rules around length of email and number of questions, I can only hope you'll treat this with your customary humour and patience! Keep up the great work guys. Best Regards, Nick 25:15  Question 5 Hello Pete and Roger -I'd like to say how your podcast has really helped me to focus on preparing for retirement ,so thank you . My question is I'm in my early 60,s I have 2 x Db pensions which will pay about £22000 Pa immediately if I choose , a full state pension at 67 and I have no mortgage and cash savings of £235000 half of which is in cash ISAs. My DB Pensions and state pension will be enough for my life style . I may move home next year hence the large cash savings and also because I recently divorced and that's how the settlement added to that figure. It was a coercive relationship and I'm so worried now I hold too much cash as I never had my own money to invest in a pension. Prior to the marriage and children I did work and pay into a pension which will provide half of the DB pension as stated earlier but that all stopped when I married. Should I start a personal pension now so close to retirement if I know I'll have spare cash to pay the max £3600 inc tax relief to take advantage of the tax relief and build up a pot not for income necessarily but for care home fees /inheritance tax costs for my two young adult children? Or shouldn't I worry? Many thanks for your help. Charlotte. 30:13  Question 6 Dear Pete and Rog, Thank you so much for your incredibly valuable podcast. I've learned a great deal from it and really appreciate the clarity and insight you bring to complex financial topics. Can't wait for the Youtube version to finally see what Rog looks like!  I had a question that I hope you might be able to shed some light on. My wife is from Slovakia, and we're likely to retire there in the future with our two children. I understand that capital gains tax and inheritance tax are both zero in Slovakia. However, I've read that UK-situs assets remain within the scope of UK inheritance tax even after leaving the UK, and that these would seem to include UK-domiciled OEICs such as the Vanguard LifeStrategy 100% fund, which I currently hold in a general investment account. Would it therefore make sense to consider switching from the LifeStrategy 100% UK domiciled fund to an Ireland-domiciled ETF such as the Vanguard FTSE All-World UCITS ETF (VWRP)? Would doing so resolve the issue of UK IHT exposure on those Situs assets? Or transferring the UK OEICs to a global investment platform, would that work (seems too easy to be true)? Any other tips to look into before making the big move abroad? Thank you very much again for your time, and for all the invaluable information you share! Please keep it going ! Best regards, John  

Banks won't tell you if you're better off with a fixed-rate mortgage. But strong evidence shows most borrowers will lose when they bet against the bank by settling on a three-year fixed rate. With expectations building that RBA rates may rise, fixed rates seem attractive once more, but you need to know why the odds are against you. Stuart Wemyss of the Prosoluton Private Clients group joins Associate Editor - Wealth, James Kirby in this episode. In today's show, we cover: You fix, you lose: here's the data over two decades The new APRA lending limits How non-banks will now rush the mortgage market Pressure mounts on CGT for residential investments See omnystudio.com/listener for privacy information.

durée : 03:58:59 - La Grande matinale - par : Sonia Devillers, Benjamin Duhamel, Florence Paracuellos, Anne-Laure Sugier - Ce matin sur France Inter, à 7h50, Richard Malka, avocat, auteur de “Passion antisémite” (Grasset). À 8h20, Sophie Binet, Secrétaire générale de la CGT. Et à 9h20, Laurent Lafitte, pour “La cage aux folles” mise en scène par Olivier Py au Théâtre du Châtelet du 5 décembre au 10 janvier. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:23:50 - L'invité de 8h20 : le grand entretien - par : Benjamin Duhamel, Florence Paracuellos - La leader de la CGT, Sophie Binet, a annoncé mardi sur France Inter sa mise en examen pour "injure publique" après avoir qualifié en janvier à la radio les patrons de "rats qui quittent le navire" dont "le seul objectif, est l'appât du gain". Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:23:50 - L'invité de 8h20 : le grand entretien - par : Benjamin Duhamel, Florence Paracuellos - La leader de la CGT, Sophie Binet, a annoncé mardi sur France Inter sa mise en examen pour "injure publique" après avoir qualifié en janvier à la radio les patrons de "rats qui quittent le navire" dont "le seul objectif, est l'appât du gain". Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:03:20 - Le journal de 7h30 FB Occitanie - En avril dernier, la CGT de la Poste en Haute-Garonne dénonçait la disparition de dizaines de boîtes aux lettres jaunes dans le Comminges. Cette fois-ci, l'histoire se passe dans le Tarn, où le nombre de boîtes postales est passé de 947 à 909 entre janvier et octobre 2025. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

Els sindicats CGT, FSU i Solidaires surten al carrer aquest matí al centre de Perpinyà per reclamar un canvi en l'orientació dels pressupostos de l'estat, que s'estan debatent a París. Aquestes organitzacions consideren que s'està fent pagar als més desafavorits la manca de diners de l'estat i defensen mesures de justícia social i taxar més als més rics. La manifestació surt a les 10h de Plaça Catalunya.

The housing market is once again in the driver's seat for the economy, but it's not heading in the direction we're used to. Yes, a recovery is underway. But the brutal truth of 2025 was summed up rather well, I thought, by Sir Bill English in an interview about the current state of play. Basically, this protracted downturn - which for anyone living outside Queenstown or living on dairy farm has felt as drawn out and depressing as a Covid lockdown - has been made worse by the housing market. It's not firing back into life like it usually would at this stage of the cycle. The wealth effect hasn't kicked in. The recovery's taken longer. In the long run, English argues, this is a good thing. Because supply has been coming on, planning laws are being changed, intensification will keep prices low or in some cases, see them fall. Does this make it any easier to stomach? No? Is he right? Probably. If it's happening, this structural shift is going to create headaches for anyone relying on property to boom in order to get rich. Like. um I don't know, Hipkins and Labour. They were out at the weekend, making in rain cash, this time on GP clinics who apparently get bank loans to start practices which are effectively licenses to print money. Like the free GP visits for billionaires and the rest of us, the policy relies on revenue from a capital gains tax. What if those gains don't happen, or the happen but not to the extent they assume they will? What if the gains look more of the sort we've seen over the past few years i.e. nil or losses? Then what? What's that old saying about your mouth writing cheques your ass can't cash? Without those golden-year capital increases, it won't just be the economy feeling their loss, but politicians with big spending agendas also. See omnystudio.com/listener for privacy information.

Australian property investors are selling up in record numbers – and the 2025 PIPA Investor Survey finally reveals why. In this solo episode, Bushy Martin breaks down the truth behind the rental crisis and what it really means for everyday Australians trying to build wealth. Bushy unpacks the biggest shifts in this year’s PIPA survey, including: Record investor exits (16% sold in the last year) and why most of those properties left the rental market. Costs rising 10–40% while 65% of investors are passing on less than 10% to tenants. Major fear triggers like negative gearing reform, CGT changes, land tax hikes and compliance blowouts. State-level pain, with QLD and VIC hit hardest. A surprising silver lining — nearly 60% of investors still believe it’s a good time to buy. He then zooms out to reveal the bigger truth most commentators are missing: You don’t fix a shortage by shrinking the supply. Investor exits mean fewer rentals, higher rents and more pressure on the people who can least afford it. Bushy also shares his foresight on what’s coming next — from the likely intensification of the rental crunch to interest rate expectations and why contrarian investors may quietly win the next cycle. Finally, he gives you his clear GPS for what to do now: Strengthen emotional resilience and think long-term Stress-test your buffers and compliance load Avoid hype, focus on fundamentals and buy where true scarcity exists PIPA Resources This episode draws on insights from the Property Investment Professionals of Australia (PIPA). Explore more: https://www.pipa.asn.au/knowledge/ Download the full 2025 PIPA Survey: https://www.pipa.asn.au/wp-content/uploads/PIPA_Investor-Survey-Report_2025.pdf Contacts: Cate Bakos (Chair): cate@catebakos.com.au Mike Mortlock (Treasurer): mike.mortlock@mcgqs.com.au Matt Monaghan (GM): matt@pipa.asn.au Nicola McDougall (Adviser/Editor): nicola@bricksandmortarmedia.com.au Take the next step with Bushy Personal Solutions Session Get clarity and personalised guidance: Book now Property W.E.A.L.T.H Program - live now! Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth 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 Get property investment and wealth resources, and book a Personal Solution Session with Bushy. All the links and info are 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.

What to Expect in the November UK Budget — And 5 Tax Hikes Rachel Reeves Might Impose to fill her ‘BLACK HOLE' As Chancellor Rachel Reeves prepares to unveil the November 2025 UK Budget, all eyes are on her to plug a fiscal black hole of £20–30 billion through tax rises and spending cuts. (Reuters) Despite Labour's manifesto pledges not to increase income tax, National Insurance (NI), or VAT, Reeves has already hinted that taxes on the wealthy will “be part of the story.” (The Guardian) The Institute for Fiscal Studies warns against a “dash for revenue,” urging her to use smart, targeted reforms. (The Guardian). Below are 5 likely tax rises she might deploy: Capital Gains Tax (CGT) Increase or Removal of ReliefsReeves may bring CGT rates closer to income tax levels or abolish favourable reliefs, especially for high-value assets. (The Guardian) National Insurance on Rental Income / Professional ProfitsApplying NI contributions to landlord earnings or profits from legal firms and consultancies is under consideration to broaden the tax base. (The Guardian) Inheritance Tax (IHT) ReformsProposals include removing the residence nil-rate band, narrowing exemptions, and taxing agricultural estates more heavily. (The Guardian) Cash ISA Allowance ReducedReeves could cut the tax-free cash ISA limit from £20,000 to £10,000 or restructure cushions to funnel savings into investments. (MoneyWeek) Council Tax Surcharges & Higher BandsIntroducing surcharges on high-value properties or adding new bands (G/H) is on the table to raise billions without touching core rates. (Institute for Fiscal Studies) What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Watch full video - https://youtu.be/jITL4nOmBEo The Chancellor could also tinker with pension allowances and the tax free cash element of pension pots, which would be disastrous for savers approaching retirement age. Watch our upcoming episode on the Charles Kelly Money Tips Podcast where I break down each tax move, what it means for you, and how to legally protect your wealth. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

La AFA sancionó a Estudiantes de La Plata por el “espaldazo” en el pasillo a Rosario Central: los once titulares están suspendidos por dos partidos y Verón está inhabilitado por seis meses.Maximo Levy, prosecretario ejecutivo de AFA y presidente de Almitante Brown, afirmó: “La verdad es que no sé por qué se lo pidieron o no sé por qué lo pactaron así. No tengo la información como para decirte si se lo hicieron a propósito o se lo hicieron... Vos tranquilamente podés... Te vuelvo a insistir con lo mismo. Si hay algo que crees que es injusto, no lo haces y punto. Bueno, a esto... Te darán una... Te darán una sanción económica. Yo creo que las sanciones deben ser económicas. Cuando uno no cumple, es como llegar tarde a un partido o salir tarde en el entretiempo. No creo que haya sido... No creo que la sanción sea de otra manera”.Durante el show de Andrés Calamaro en el Movistar Arena, la gente cantó: “Chiqui Tapia botón, Chiqui Tapia botón, sos un hijo de puta la puta madre que te parió”.El gobernador de Tucumán, Osvaldo Jaldo, sostuvo junto al gobernador salteño, Gustavo Sáenz, afirmó: “Nosotros en el principio vamos a seguir trabajando con el bloque que pertenecemos, el bloque Independencia. Sí seguramente podemos llegar a formar un interbloque de tal manera que formalicemos el trabajo que ya venimos haciendo como dice el gobernador de Salma, dentro de diputados y también dentro del Senado”.El cosecretario general de la CGT, Cristian Jerónimo, señaló: “Todas flexibilizaciones que nosotros entendemos que van a contramano. Porque la realidad es que hoy nos levantamos y lo que estamos viendo todos los días es pérdida de trabajo y cierre de empresa. O sea que el gobierno miente entonces, Jerónimo, porque el gobierno dice que no tiene nada de... Bueno, pero anda eso, anda eso que plantea... No se trata de decir, de mentir. Ojalá que al gobierno le vaya bien. Nosotros queremos que a la Argentina le vaya bien, ¿eh? No es que estamos especulando que a la Argentina le vaya mal. Hasta ahora lo que estamos viendo es totalmente a contramano. Se perdieron 276.000 puestos de trabajo en Argentina. Cerraron 20.000 empresas PYME y es crítica la situación”.El gobernador de Salta, Gustavo Sáenz, se refirió a CFK: “Ella fue también un poco la que llevó a que el peronismo quede en esta situación. En el caso personal a nosotros nos intervinieron el partido, a Misiones también. Si quiere unidad, no es la unidad como ella quiera, la unidad es con todo”.Noticias del viernes 28 de noviembre por María O'Donnell y equipo de De Acá en Más por Urbana Play 104.3 FMSeguí a De Acá en Más en Instagram y XUrbana Play 104.3 FM. Somos la radio que ves.Suscribite a #Youtube. Seguí a la radio en Instagram y en XMandanos un whatsapp ➯ Acá¡Descargá nuestra #APP oficial! ➯  https://scnv.io/m8Gr 

DEL ARCO POLÍTICO con Darío Del Arco 27-11-2025 Entrevistas a: Luis Picat @LuisPicat (Diputado Nacional por La Libertad Avanza) Cristian Jeronimo (Cotitular de la CGT @cgtoficialok )

Cristian Jeronimo (Cotitular de la CGT @cgtoficialok ) Del Arco Político @delarcopolitico @DarioDelArco

Un trabajador despedido luego del cierre de la planta de Whirpool en Pilar, Ignacio Cabezas, dijo: “La planta cerró definitivamente, echando a todos los operarios, tanto administrativos y demás. En el 2023, si mal no recuerdo, fue cuando se abrió el segundo turno, que se abrió el turno tarde y demás. Pues bueno, también había bajado drásticamente las ventas, lo que terminó en el cierre de ese mismo turno, el turno tarde, quedando pocas personas en ese turno, solamente más que nada de lo que es despacho y demás. Y nada, también por baja de ventas”.Un trabajador despedido de Essen, Pablo Cabrera, señaló: “Nunca le falté, siempre trabajé de la misma manera. Es más, antes que me despidieron me halagaron, pero me despidieron. Es como si no hay una explicación como para decirte, bueno, hiciste esto mal. Lo mío fue bastante injusto en el sentido de que yo nunca le fallé. Yo estuve en la parte de logística y después me pasó en la parte de empaque, que le llaman ellos. Donde se empacan todos los pedidos a la venta”.El diputado Cristian Ritondo aseguró: “Seguramente adelantaremos para el 9 de diciembre la presentación de los proyectos. Estamos de acuerdo en la estructura, ahora vamos a ir a discutir seguramente el fin, no, igual estamos más de acuerdo”.El titular de la UOCRA, Gerardo Martínez, sostuvo: “Aparte hablar de una reforma laboral con una situación como la que se da en Argentina y donde se quitan derechos, me parece que es algo insólito, ilícito y que la CGT bajo ningún punto de vista va a aceptar”. “Indudablemente si no somos escuchados, no somos atendidos y se busca romper estructuralmente los derechos constituidos, seguramente la CGT tiene una definición: ni un paso atrás”, agregó.Maximiliano Pullaro, gobernador de Santa Fe, afirmó: “No es que no me siento con Santilli porque no me quiero sentar. Digo, prefiero que cuando nos sentemos haya dos o tres temas que se puedan resolver. ¿Cuáles son esos mismos tres temas? Bueno, las rutas nacionales, para nosotros necesitan una inversión urgente. Necesitamos que se retomen políticas educativas, como los fondos que nos recortaron de manera inicial. Necesitamos que se retomen las partidas de alimentos que se recortaron. necesitamos que se retomen las partidas de medicamentos”.Claudio 'Chiqui' Tapia, presidente de la AFA, aseguró: “Todos los que a lo largo y a lo ancho de nuestro país trabajan para defender las instituciones, asociaciones civiles sin fines de lucro. Eso es lo que somos. Ese es el modelo del fútbol argentino. Eso es lo que defendemos. Seguramente no es la primera vez que vivimos esto. Pasaron tres presidentes en apenas, creo que nueve años, que me ha tocado presidir el fútbol argentino y me quedan muchos años más. No tengan dudas que cuando se venza mi mandato van a tener la posibilidad de presentarse los que quieran. Y las luchas se dan desde adentro, no se dan desde afuera. Las discusiones se dan desde adentro, cómo se tienen que dar, cara a cara”.Noticias del jueves 27 de noviembre por María O'Donnell y equipo de De Acá en Más por Urbana Play 104.3 FMSeguí a De Acá en Más en Instagram y XUrbana Play 104.3 FM. Somos la radio que ves.Suscribite a #Youtube. Seguí a la radio en Instagram y en XMandanos un whatsapp ➯ Acá¡Descargá nuestra #APP oficial! ➯  https://scnv.io/m8Gr 

The Prime Minister ponders a peace deal in Ukraine, going on a farm tour with Federated Farmers, getting rid of regional councils, the OCR, KiwiSaver, the age of eligibility for National Super, whether a CGT has any political appeal, and whether Chloe is a genuine contender to be the next Minister of Finance.See omnystudio.com/listener for privacy information.

If you're wondering which therapies may influence care delivery, budgets, and decision making in 2026, the pipeline offers an early preview and it points to a year defined by innovation. We're seeing new first in class treatments, thoughtful next generation agents, and a biosimilar market where fewer launches are offset by important competitive shifts driven by recent approvals. John Schoen and Heather Pace from the Center for Pharmacy Practice Excellence join Stacy Lauderdale, Associate Vice President of Evidence-Based Medicine and Drug Information and your Verified RX program host to highlight pipeline agents worth watching and discuss what they may mean for care delivery and spend management in the year ahead.   Guest speakers:  John Schoen, PharmD, BCPS   Senior Clinical Manager of Drug Information    Vizient Center for Pharmacy Practice Excellence    Heather Pace, PharmD Senior Clinical Manager of Drug Information    Vizient Center for Pharmacy Practice Excellence      Host:   Stacy Lauderdale, PharmD, BCPS   Associate Vice President  Vizient Center for Pharmacy Practice Excellence   Show Notes: 01:01 — Episode Scope The focus is non-CGT therapies; CGT pipeline will be covered in Part 2. 01:50 — Therapeutic Areas With the Most Approvals Oncology leads the pipeline. Others include infectious disease, neurology, rare disease, endocrine, hepatology, dermatology, and rheumatology. 02:37 — Biosimilars in 2026: Momentum or Headwinds? Discussion of potential “biosimilar void”—only 10% of expiring biologic patents have biosimilars in development. Emerging role of PBM private-label biosimilars. 03:51 — FDA Draft Guidance on Interchangeability FDA exploring interchangeable designation for all biosimilars. Potential shift away from clinical efficacy studies in favor of analytical comparisons. Guidance still in draft and open for public comment. 05:34 — John's Top Picks for First-in-Class Agents 06:11 — Orviglance First manganese-based, oral MRI contrast agent. Advantages for patients with kidney impairment. Used for liver imaging. 06:20 — Why Non-Gadolinium Matters Lower risk of nephrogenic systemic fibrosis. 06:46 — Tabelecleucel First allogeneic EBV-specific T-cell therapy. For EBV-positive PTLD post-transplant. Could become new standard of care. 07:42 — Tanruprubart First therapy specifically for severe Guillain-Barré Syndrome (GBS). Shows improved outcomes over IVIG and plasma exchange. 08:20 — Comparing to Standard of Care Review of improved real-world data outcomes. 09:03 — Therapies That May Shift Care Delivery 09:32 — Icotrokinra: First oral IL-23 antagonist for plaque psoriasis. 10:00 — Insulin Icodec First once-weekly basal insulin for type 2 diabetes. Resubmitted after safety concerns in type 1 diabetes. 10:59 — Honorable Mentions Camizestrant SERD for ER+/HER2– metastatic breast cancer. Ensitrelvir (COVID-19) Oral option for pre-exposure prophylaxis. Also being evaluated for treatment. Doravirine + Islatravir (HIV) Introduces new NRTTI class. Cefepime + Zidebactam Active against metallo-β-lactamase–producing organisms. 14:05 — Key Biosimilar Launches Omalizumab (Xolair) First biosimilars in asthma/allergy space. Aflibercept (Eylea) High competition expected pending litigation. Pertuzumab (Perjeta) First biosimilar anticipated in oncology. 15:31 — Biosimilars Approved in 2025, Impacting 2026 Ustekinumab (Stelara): first full year of competition Denosumab (Prolia/Xgeva): 10–15 biosimilars expected Eculizumab (Soliris): notable for rare disease market entry 17:17 — John's Closing Thoughts Strong mix of first-in-class advances and next-gen convenience therapies. 17:36 — Heather's Closing Thoughts 2026 will focus on speed and scale after the 2025 biosimilar wave. Pharmacists pivotal in ensuring smooth patient transitions.   VerifiedRx Listener Feedback Survey: We would love to hear from you - Please click here   Subscribe Today! Apple Podcasts Spotify YouTube RSS Feed

Un dérapage antisémite agite l'Université Lumière Lyon 2. Une liste de Juifs publiée sur les réseaux sociaux. Une liste de “ 20 génocidaires à boycotter en toutes circonstances” (c'est son titre), publiée sur le réseau social Facebook par un professeur d'Histoire médiévale de Lyon 2, Julien Théry. Une liste qui comprend en fait 20 personnalités françaises, parmi lesquelles Charlotte Gainsbourg, le dessinateur Joan Sfar, le comédien Michel Boujenah, l'animateur Arthur ou le président du Crif, Yoann Arfi.  Des personnalités qui, n'ont pas spécialement soutenu Benyamin Netanyahou.  Non. Des personnalités dont on se demande bien ce qu'elles ont de génocidaires, en supposant qu'un génocide existe, puisqu'elles vivent et travaillent ici en France... Elles ont surtout pour point commun d'être juives. La liste implique donc que leur identité religieuse réelle ou supposée suffit à définir ce qu'elles pensent. Ca s'appelle du racisme. Ca s'appelle de l'antisémitisme. L'Université Lyon 2 a condamné la liste.  Oui : elle dit avoir pris connaissance de la liste “ avec consternation”. Elle l'a condamné “avec fermeté”. Elle ne représente selon elle aucunement l'université et les valeurs qu'elle transmet. Mais, avant de dire qu'elle va déterminer dans les meilleurs délais “ les sanctions qui s'imposent”, elle dit reconnaitre au professeur concerné “ un droit absolu d'expression à titre individuel et privé”.  Problème, le professeur, lui, estime qu'il est victime de “maccarthysme et d'une attaque contre la liberté de recherche et d'enseignement. “ Parce que oui, il considère en tant que spécialiste du moyen âge il relève de la liberté de recherche de dresser des listes de Juifs. On a déjà entendu ça...  Souvenirs souvenirs, c'est exactement l'argument que mettait en avant un autre professeur de la même université Lyon 2, qui en 1978, proclamait que les chambres à gaz n'avaient pas existé.  Il s'appelait Robert Faurisson.  Robert Faurisson avait été mis au ban de la communauté universitaire.  Oui, il avait même été la première personne à être condamnée par la loi Gayssot de 1990, qui entendait réprimer tout acte raciste, antisémite ou xénophobe. Une loi initiée par un député communiste. A un moment où toute la gauche tenait encore l'antisémitisme pour une abomination.  C'est le passé. Hasard de l'actualité, cette semaine, on a vu des députés LFISte , et toute une partie de la gauche, dont la Ligue des Droits de l'Homme, la CGT de l'enseignement supérieur, Sud Education, l' Association pour la liberté académiques'insurger d'une enquête menée par le ministère de l'enseignement supérieur et de la recherche pour tenter de mieux cerner le phénomène antisémite à l'université.  Pour le député LFI Hadrien Clouet, il s'agit ni plus ni moins que de “ficher la gauche”. Une reconnaissance en forme d'acte manqué de la porosité de son camp à l'antisémitisme... Et le signe que les temps ont changé. Autrefois, Faurisson révulsait la gauche, aujourd'hui, plus du tout. Elle réclame la liberté de propager la haine pour ses héritiers.   Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Un dérapage antisémite agite l'Université Lumière Lyon 2. Une liste de Juifs publiée sur les réseaux sociaux. Une liste de “ 20 génocidaires à boycotter en toutes circonstances” (c'est son titre), publiée sur le réseau social Facebook par un professeur d'Histoire médiévale de Lyon 2, Julien Théry. Une liste qui comprend en fait 20 personnalités françaises, parmi lesquelles Charlotte Gainsbourg, le dessinateur Joan Sfar, le comédien Michel Boujenah, l'animateur Arthur ou le président du Crif, Yoann Arfi.  Des personnalités qui, n'ont pas spécialement soutenu Benyamin Netanyahou.  Non. Des personnalités dont on se demande bien ce qu'elles ont de génocidaires, en supposant qu'un génocide existe, puisqu'elles vivent et travaillent ici en France... Elles ont surtout pour point commun d'être juives. La liste implique donc que leur identité religieuse réelle ou supposée suffit à définir ce qu'elles pensent. Ca s'appelle du racisme. Ca s'appelle de l'antisémitisme. L'Université Lyon 2 a condamné la liste.  Oui : elle dit avoir pris connaissance de la liste “ avec consternation”. Elle l'a condamné “avec fermeté”. Elle ne représente selon elle aucunement l'université et les valeurs qu'elle transmet. Mais, avant de dire qu'elle va déterminer dans les meilleurs délais “ les sanctions qui s'imposent”, elle dit reconnaitre au professeur concerné “ un droit absolu d'expression à titre individuel et privé”.  Problème, le professeur, lui, estime qu'il est victime de “maccarthysme et d'une attaque contre la liberté de recherche et d'enseignement. “ Parce que oui, il considère en tant que spécialiste du moyen âge il relève de la liberté de recherche de dresser des listes de Juifs. On a déjà entendu ça...  Souvenirs souvenirs, c'est exactement l'argument que mettait en avant un autre professeur de la même université Lyon 2, qui en 1978, proclamait que les chambres à gaz n'avaient pas existé.  Il s'appelait Robert Faurisson.  Robert Faurisson avait été mis au ban de la communauté universitaire.  Oui, il avait même été la première personne à être condamnée par la loi Gayssot de 1990, qui entendait réprimer tout acte raciste, antisémite ou xénophobe. Une loi initiée par un député communiste. A un moment où toute la gauche tenait encore l'antisémitisme pour une abomination.  C'est le passé. Hasard de l'actualité, cette semaine, on a vu des députés LFISte , et toute une partie de la gauche, dont la Ligue des Droits de l'Homme, la CGT de l'enseignement supérieur, Sud Education, l' Association pour la liberté académiques'insurger d'une enquête menée par le ministère de l'enseignement supérieur et de la recherche pour tenter de mieux cerner le phénomène antisémite à l'université.  Pour le député LFI Hadrien Clouet, il s'agit ni plus ni moins que de “ficher la gauche”. Une reconnaissance en forme d'acte manqué de la porosité de son camp à l'antisémitisme... Et le signe que les temps ont changé. Autrefois, Faurisson révulsait la gauche, aujourd'hui, plus du tout. Elle réclame la liberté de propager la haine pour ses héritiers.   Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode, Dave and Hayden tackle four FI dilemmas. They unpack the allure of monthly-income ETFs like HYLD and why payout timing shouldn't trump diversification, offering simple ways to create your own paycheck with broad ETFs, cash buffers, and planned sells. They explore PAYG tax variations and how to dial down withholding when you're always due a refund (think negative gearing) to keep cash flowing through the year. They walk through a listener's rent-or-sell crunch on a former home: equity concentration, CGT timing, leverage vs diversification, and whether to keep, refi, or offload while cheap employer housing lasts. Finally, they look at boosting a spouse's super when your own cap is maxed: catch-up concessional space, contribution splitting to even balances, the modest spouse offset, and when non-concessional top-ups make sense.FI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong Money Australia's audiobookDisclaimerAny advice is general and does not consider your financial situation needs, or objectives, so consider whether it's appropriate for you. You should also consider seeking professional advice before making any financial decision.Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer's website before deciding. Hosted on Acast. See acast.com/privacy for more information.

这期是与 Yaxian 一起探索最新最前沿科技的「深科技」系列 过去一年，「 虚拟细胞」（Virtual Cell）成为了生命科学和 AI 交汇处最热门的词汇。全世界的科研机构和科技巨头都纷纷押注，共同推动着一场「虚拟细胞革命」。 DeepMind CEO 诺奖得主 Demis Hassabis 在多次采访中说「虚拟细胞」将是 deepmind 重要的研究方向，他将致力于构建能够模拟整个细胞的AI系统。马克·扎克伯格与妻子普莉希拉·陈共同发起的科研机构 Chan Zuckerberg Initiative （CZI） 也是在今年高调宣布，他们将要在 未来十年在虚拟细胞上投入数亿美元，开发开放数据集与计算工具。就在上个月，NVIDIA 宣布了与 CZI 的合作，通过提供 AI 基础设施，共同推动虚拟细胞的开发和应用。 我们今天的节目请到了上海交通大学医学院教授、万乘基因创始人施威扬老师。一起来聊一聊究竟什么是「 虚拟细胞」？我们要如何将细胞数字化? 以及虚拟细胞将如何改变疾病治疗、药物研发，甚至我们理解生命的方式？ 本期人物 Yaxian，「科技早知道」主播 施威扬，上海交通大学医学院教授、万乘基因创始人 主要话题 [00:35] 从 DeepMind、CZI 到 NVIDIA，为什么科技巨头纷纷押注「虚拟细胞」？ [02:29] 什么是虚拟细胞？它是一个试图模拟真实细胞行为的超级大模型 [06:46] 生物学曾被视为「天书」，AI 如何解构这种极度复杂的高维系统？ [09:24] 从「90%实验+10%计算」到「10%实验+90%计算」，AI 带来生物学研究的范式转移 [15:57] 科技大厂追求通用基座模型，药企更务实于垂直专有模型，谁能跑赢？ [18:17] 虚拟细胞进化史：从 「规则模型」到「数据驱动」 [29:47]｜如何构建虚拟细胞？统一表征 → 多组学数据 → 模型 → 实验验证（lab-in-the-loop） [36:53] 模型幻觉与黑箱：生物模型的可靠性和可解释性 [46:32] 虚拟细胞的应用：药物发现、合成生物学、细胞与基因治疗（CGT） [53:27] 数据量的匮乏与维度的缺失——为什么我们需要千万级的多组学数据？ [01:09:12] 「图谱计划」的争议：为什么大规模测序是 AI 时代的必要基础设施？ 北美增长大师班（硅谷站） 我们的老朋友「出海同学会」为关注出海的小伙伴们开发了一个含金量很高的课程—— 北美增长大师班（硅谷站），第一次把这么多重磅北美增长专家聚在一起：像陈唱、张蓓老师都是大家比较熟的操盘过很多明星项目像gamma、heygen、tanka这些的，Hila Qu、Ron他们都是第一次出来给AI圈讲课。 感兴趣的小伙伴可以在小红书 (https://sourl.co/B9wfUj)页面查看更多信息，也欢迎点击链接 (https://scnf164xl92o.feishu.cn/share/base/form/shrcnh478w1PcdZWvogEwHMuqMh?wxwork_userid=15355423744)直接报名 Untitled https://media24.fireside.fm/file/fireside-uploads-2024/images/4/4931937e-0184-4c61-a658-6b03c254754d/9mfsglWu.png 幕后制作 监制：Yaxian 后期：迪卡 运营：George 设计：饭团 商业合作 声动活泼商业化小队，点击链接直达声动商务会客厅（https://sourl.cn/9h28kj ），也可发送邮件至 business@shengfm.cn 联系我们。 加入声动活泼 声动活泼目前开放商务合作实习生、社群运营实习生和 BD 经理等职位，详情点击招聘入口详情点击招聘入口 (https://eg76rdcl6g.feishu.cn/docx/XO6bd12aGoI4j0xmAMoc4vS7nBh?from=from_copylink) 关于声动活泼 「用声音碰撞世界」，声动活泼致力于为人们提供源源不断的思考养料。 我们还有这些播客：声动早咖啡 (https://www.xiaoyuzhoufm.com/podcast/60de7c003dd577b40d5a40f3)、声东击西 (https://etw.fm/episodes)、吃喝玩乐了不起 (https://www.xiaoyuzhoufm.com/podcast/644b94c494d78eb3f7ae8640)、反潮流俱乐部 (https://www.xiaoyuzhoufm.com/podcast/5e284c37418a84a0462634a4)、泡腾 VC (https://www.xiaoyuzhoufm.com/podcast/5f445cdb9504bbdb77f092e9)、商业WHY酱 (https://www.xiaoyuzhoufm.com/podcast/61315abc73105e8f15080b8a)、跳进兔子洞 (https://therabbithole.fireside.fm/) 、不止金钱 (https://www.xiaoyuzhoufm.com/podcast/65a625966d045a7f5e0b5640) 欢迎在即刻 (https://okjk.co/Qd43ia)、微博等社交媒体上与我们互动，搜索 声动活泼 即可找到我们。 期待你给我们写邮件，邮箱地址是：ting@sheng.fm 声小音 https://files.fireside.fm/file/fireside-uploads/images/4/4931937e-0184-4c61-a658-6b03c254754d/gK0pledC.png 欢迎扫码添加声小音，在节目之外和我们保持联系。 Special Guest: 施威扬.

过去一年，「 虚拟细胞」（Virtual Cell）成为了生命科学和 AI 交汇处最热门的词汇。全世界的科研机构和科技巨头都纷纷押注，共同推动着一场「虚拟细胞革命」。DeepMind CEO 诺奖得主 Demis Hassabis 在多次采访中说「虚拟细胞」将是 deepmind 重要的研究方向，他将致力于构建能够模拟整个细胞的AI系统。马克·扎克伯格与妻子普莉希拉·陈共同发起的科研机构 Chan Zuckerberg Initiative （CZI） 也是在今年高调宣布，他们将要在 未来十年在虚拟细胞上投入数亿美元，开发开放数据集与计算工具。就在上个月，NVIDIA 宣布了与 CZI 的合作，通过提供 AI 基础设施，共同推动虚拟细胞的开发和应用。我们今天的节目请到了上海交通大学医学院教授、万乘基因创始人施威扬老师。一起来聊一聊究竟什么是「 虚拟细胞」？我们要如何将细胞数字化? 以及虚拟细胞将如何改变疾病治疗、药物研发，甚至我们理解生命的方式？【本期嘉宾】施威扬，上海交通大学医学院教授、万乘基因创始人【时间戳】00:35 从 DeepMind、CZI 到 NVIDIA，为什么科技巨头纷纷押注「虚拟细胞」？02:29 什么是虚拟细胞？它是一个试图模拟真实细胞行为的超级大模型06:46 生物学曾被视为「天书」，AI 如何解构这种极度复杂的高维系统？09:24 从「90%实验+10%计算」到「10%实验+90%计算」，AI 带来生物学研究的范式转移15:57 科技大厂追求通用基座模型，药企更务实于垂直专有模型，谁能跑赢？18:17 虚拟细胞进化史：从 「规则模型」到「数据驱动」29:47｜如何构建虚拟细胞？统一表征 → 多组学数据 → 模型 → 实验验证（lab-in-the-loop）36:53 模型幻觉与黑箱：生物模型的可靠性和可解释性46:32 虚拟细胞的应用：药物发现、合成生物学、细胞与基因治疗（CGT）53:27 数据量的匮乏与维度的缺失——为什么我们需要千万级的多组学数据？01:09:12 「图谱计划」的争议：为什么大规模测序是 AI 时代的必要基础设施？

We've got a bunch of new economic numbers this morning. The recovery is underway. Finally. We've had false dawns before, so I'm not overcooking this, but things are moving in the right direction. Investor confidence is up for Q3. Most regions are getting a slice of the recovery action, according to Infometrics. What's most interesting is investor confidence, led by Auckland, is up quite a bit and they're not worrying so much about the dramatic headlines from Trump, etc. They're shrugging them off. And our attitudes to different types of investment are changing. The proportion of us who see owning our own home as the best investment is now at its lowest level since 2015, and young people are loving stocks. Which is no surprise - the S&P's up around 14% this year, house prices are falling or flat. Which might help explain why the mood on capital gains seems to have shifted a bit. But here's the thing with the capital gains: it will not lower house prices, it will not fix the structural deficit. It will provide tax revenue for doctors visits, sure. But can those doctors visits be delivered, or just advertised in some brochure like Kiwibuild? And to those who are enjoying success with stocks, congratulations. Your gains aren't taxed, but property is the canary in the coal mine. It's a warning of more to come. Give a politician an inch and they'll take a mile. Look at the fundamentals of it. This CGT won't fix the stuff you'd expect it to fix and still leaves the State short of revenue. So they'll eventually come for something else, and that something will be whatever's popular. See omnystudio.com/listener for privacy information.

Entrevista de Pablo Wende a Jorge Sola, secretario general de la CGT, a propósito de la reforma laboral y la posición de la entidad gremial.

Cliquez ici pour accéder gratuitement aux articles lus de Mediapart : https://m.audiomeans.fr/s/P-UmoTbNLs Deux salariées dépêchées par l'agence d'intérim sur le site de Brétigny-sur-Orge du géant du commerce ont été bannies pour s'être liées d'amitié avec une déléguée syndicale CGT, relation étroitement surveillée par l'entreprise. Une plainte a été déposée. Un article de Jérôme Hourdeaux publié lundi 17 novembre et lu par Jérémy Zylberberg. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Labour's Agriculture Spokesperson defends her party's lack of any real meaningful policy, especially around Ag emissions. We ask if Net Zero by 2050 is a now lost cause? And has Chippy dodged a political bullet with the release of his CGT policy? See omnystudio.com/listener for privacy information.

C dans l'air du 17 novembre 2025 - Budget : une erreur de calcul à 10 milliards ?Alors que les discussions autour du budget se poursuivent à l'Assemblée, les recettes fiscales de 2025 inquiètent le gouvernement. La raison : la baisse des recettes de la TVA. Selon les prévisions du projet de loi de finances, la taxe sur la valeur ajoutée devrait rapporter 210 milliards d'euros au fisc. Mais les recettes sont inférieures aux prévisions. La différence n'est pas encore connue, mais se chiffre en milliards d'euros. Le trou total pourrait être de « 10 milliards » selon le président de la Commission des finances, Éric Coquerel.Inquiet de la situation, le gouvernement a lancé une mission d'urgence pour comprendre les raisons de cette baisse. Selon Bercy, un problème de fraude pourrait en être la cause, ciblant notamment la sous-déclaration des petits colis importés.Afin de combler le déficit, les députés ont adopté un amendement instaurant un « impôt universel » sur les multinationales. Une mesure qui pourrait rapporter 26 milliards d'euros, mais qui risque d'être retoquée par des directives européennes.En parallèle, s'est ouvert ce lundi le sommet Choose France, consacré aux seules entreprises françaises. Le ministre de l'Économie, Roland Lescure, a annoncé 30,4 milliards d'euros d'investissements en 2025. Des annonces qui surviennent sur fond de multiplication des plans sociaux.Depuis les élections européennes de juin 2024, la CGT a recensé 444 plans sociaux en France. Invité sur le plateau de C dans l'air, Emmanuel Duteil, du média L'Usine Nouvelle, rappelait que 108 sites de production avaient fermé ou étaient menacés depuis le début de l'année.Parmi eux, le groupe sidérurgique Novasco, dont l'avenir se joue ce lundi. Le gouvernement vient d'annoncer qu'il allait saisir les tribunaux contre le britannique Greybull, repreneur en 2024 de l'aciérie. « Le repreneur s'était engagé à investir 90 millions d'euros. Un an plus tard, ils n'ont investi que 1,5 million d'euros. Le compte n'y est pas. On sera intraitable, on sera aux côtés des salariés », a assuré le ministre de l'Économie, Roland Lescure, sur TF1.Sur le plan politique, la course aux élections municipales est lancée. Alors que la gauche est partie pour se présenter divisée en 2027, dans certaines communes comme à Agen, elle part unie — du PS à LFI en passant par les Écologistes — pour le scrutin des municipales en mars prochain.Nos experts : - Dominique SEUX - Éditorialiste - Les Echos et France Inter - Christophe BARBIER - Éditorialiste politique, conseiller de la rédaction - Franc-Tireur - Elisa BERTHOLOMEY- Cheffe Adjointe du service politique- Politico - Mathieu PLANE - Économiste - OFCE, Observatoire Français des Conjonctures Économiques

On the Heather du Plessis-Allan Drive Full Show Podcast for Monday, 17 November 2025, Transport Minister Chris Bishop explains why the Government is moving to make importing dirty cars cheaper. The Supreme Court has ruled that Uber drivers are employees, Anita Rosentreter from the Workers First Union speaks about the implications for drivers. Finance Minister Nicola Willis gives a very strong hint about next year's election date, and reveals when she found out that Andrew Coster was part of an IPCA investigation into disgraced Jevon McSkimming. MBIE's Ian Caplin explains what parents need to know about the magic sand asbestos warning. Plus, the Huddle debates polls that show Kiwis support for Labour's CGT and why the Government is rating so poorly in the latest Ipsos survey. Get the Heather du Plessis-Allan Drive Full Show Podcast every weekday evening on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Today's conversation is with Andrew Wade, the founder of The Core Values Channel - a platform dedicated to exploring practical, centrist, and economically literate solutions to Britain's biggest challenges.Andrew's background is in UK manufacturing and international trade, selling British products across Europe and Africa. But after seeing first-hand how political and economic decisions were damaging productivity and punishing working citizens, he decided to step forward with his own plan for national renewal.In this conversation, we dive into his detailed proposals for fixing the UK's cost of living crisis, reducing the national debt, and rebuilding a culture of contribution and productivity. Andrew doesn't just critique the current system, he lays out what a sustainable, fair, and growth-focused Britain could look like.Expect to learn:Why Andrew believes Britain needs a new centrist economic movement with real solutionsHow to solve the cost of living crisis without punishing productive workersWhy cutting benefits is essential and how a community service model could workThe problem with importing non-contributing labour and benefit dependencyHow benefit fraud, “sickfluencers,” and policy loopholes distort welfare budgetsWhy job creation must focus on manufacturing and service sector exportsHow Net Zero policies have been hijacked and the hidden costs of wind and solarWhy Scotland's wind contracts and solar subsidies are damaging food securityThe flaws in Gary Stevenson's wealth tax proposal and Andrew's alternativeWhy the UK already has multiple forms of wealth tax (CGT, IHT, Stamp Duty, Council Tax)How to motivate millionaires and billionaires to fund affordable housing projectsThe failure of “envy taxes” and why income tax reform is key to growthHow immigration and youth policy must shift to reward productivity and contributionWhat individuals can do today to protect themselves from the cost of living crisisToday's episode is optimised by Puresport. You can save 10% using code CAMBRO10 - https://puresport.co/CAMBRO10Get my Sales Support - https://colcambro.kit.com/d0dceeb5ffFuel your focus with COLIN10 and Neutonic - https://www.neutonic.com?sca_ref=9669547.luRRrQVs1D2aX&utm_source=uppromote&utm_medium=affiliate&utm_campaign=263773Connect with Andrew WadeYouTube: https://www.youtube.com/@The-Core-Values-MovementLinkedIn: https://www.linkedin.com/in/andrew-wade-16210817/Connect with ColInstagram: https://www.instagram.com/col.cambro/Email List: https://colcambro.kit.com/30bde23b0cPatreon: https://www.patreon.com/ColCampbell

Chris Luxon is standing firm on his opposition to a capital gains tax. A New Zealand Herald-Kantar Poll shows New Zealanders are evenly split on Labour's proposal for a tax on gains on commercial and investment properties. Opposition is strongest in Auckland, while support for the CGT is stronger in every other region. The Prime Minister told Mike Hosking Labour's proposal is ultimately a bad idea, that will harm businesses and leave everyone's KiwiSaver worse off. LISTEN ABOVESee omnystudio.com/listener for privacy information.

While the cell and gene therapy space represents one of the most exciting therapeutic frontiers in modern biopharma by offering highly personalized, transformative treatments, the sector still faces significant hurdles before it can achieve widespread commercialization. From steep manufacturing costs and a lack of standardization to persistent inefficiencies in scaling production, the road to maturity remains complex. In this episode of Off Script: A Pharma Manufacturing Podcast, we spoke with Sharon Anderson, VP of Scientific Affairs, Alliance for Regenerative Medicine, about what's driving progress in CGT manufacturing and where the industry is still lagging.

Cell and gene therapies are transforming modern medicine, but their path to market is fast and complex. They often jump from small trials to global launch at record speed, putting pressure on analytics, supply chains, and partnerships. Success depends on making smart choices about what to build in-house and what to entrust to expert partners.Daniel Galbraith knows these challenges intimately. With decades of hands-on experience and as Chief Scientific Officer at Solvias, Daniel has witnessed firsthand the seismic shifts in analytical development for advanced therapies. He's been on every side of the table: troubleshooting manufacturing snags, scaling up from a single batch to hundreds per month, and guiding companies as they choose between in-house development and relying on a CRO's muscle.In this episode:How evolving cell and gene therapy timelines are driving the need for true CRO-drug developer partnerships (00:00)The unique challenges of scaling CMC analytics from early trials to global commercialization (02:51)Key pitfalls to avoid when outsourcing to CROs—especially around communication, scheduling, and troubleshooting (06:26)Deciding whether to build capabilities in-house or outsource to a CRO, and how to find the right balance for your team (08:41)The critical importance of strong project management for juggling relationships between developer, CRO, and CDMO (09:51)Daniel's perspective on the future of combination therapies and what the analytical landscape will demand of CROs (13:33)Practical advice for building transparent, open CRO partnerships that support your goals (15:21)Facing scale-up challenges or a first CGT launch? This conversation shares practical strategies to advance therapies efficiently.Tune in for actionable insights on CMC, outsourcing, and analytical development.Connect with Daniel Galbraith:LinkedIn: www.linkedin.com/in/daniel-galbraith-26a6138Solvias website: www.solvias.comEmail: daniel.galbraith@solvias.comNext step:Book a 20-minute call to help you get started on any questions you may have about bioprocessing analytics: https://bruehlmann-consulting.com/callPreparing for your IND? Grab our Startup Founder CMC Dashboard in Notion to help you track tasks, timelines, and risks in one place at https://stan.store/SmartBiotech/p/discovertoind-cmc-dashboard-for-startup-founders

Labour bit the bullet on capital gains tax this week, but the political point-scoring was a zero-sum game. Also: a big rejig of Māori news & current affairs funding - and while our leaders have been on the world stage, we've been accused of punching below our weight on global media freedom. Read more about this episode of Mediawatch on the RNZ websiteIn this episode:00:45 The media have been telling us for years any political party offering a CGT is DOA at the polls. How did they react this week to Labour saying they'll do that next year?8:00: New Zealand's leaders have been talking up our country in Asia and in northern Europe this week, but this week we were cellar dwellers in a new ranking of develeped nations supporting media freedom around the world. New Zealander Melanie Bunce, director of the Centre for Journalism and Democracy in London, explains why.21:03 A big rejig of funding for Māori news and current affairs means less spent on the established TV news programmes and more on news from the regions and digital-first content, available via a new national news hub. Te Māngai Pāho's The long-serving kaihautu Larry Parr explains the plan.Go to this episode on rnz.co.nz for more details

Labour has introduced their Capital Gains Tax policy after it was leaked to the media last week. If implemented, it would mean a 28% tax on any profits made from house sales excluding the family home. So what would a tax like this do to the property and rental markets? LISTEN ABOVESee omnystudio.com/listener for privacy information.

Elle se réjouit de la suspension de la réforme des retraites mais se méfie du budget en discussion à l'assemblée. Et surtout, elle veut alerter sur le nombre de plans sociaux qui explosent en France. Sophie Binet, la secrétaire générale de la CGT, est l'invitée de RTL Matin. Ecoutez L'invité RTL de 7h40 avec Thomas Sotto du 30 octobre 2025.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Labour has just unveiled its plan for a new Capital Gains Tax (CGT) – one aimed squarely at property investors. In this episode, Ed and Andrew break down exactly how it would work, who's affected, and what it could mean for the housing market if Labour wins the 2026 election.You'll learn:How the proposed 28% property-only CGT would be applied from July 2027What investors need to watch for – including partial gains and valuation trapsWhat this could mean for house prices, investor demand, and new buildsIf you own an investment property (or plan to), this episode will help you understand how this policy could reshape the NZ property market.Don't forget to ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠create your free Opes+ account and Wealth Plan here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠.For more from Opes Partners:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Sign up for the weekly Private Property newsletter⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠TikTok⁠⁠⁠⁠⁠⁠⁠⁠

Tonight, on The Panel, Wallace Chapman is joined by panellists Jennie Moreton and Michael Moynahan. First up, Roger Cotton, farmer and Councillor for the Lawrence-Tuapeka Ward has been checking in with Southland locals. he says in particular the elderly can be left isolated with the recent extreme weather. Then, Labour's targeted Capital Gains Tax - is New Zealand ready for a CGT, this time? And finally, to restore it, or to bowl it? That's a question the small town of Cambridge is trying to answer for its heritage-listed water tower.

THE BEST BITS IN A SILLIER PACKAGE (from Wednesday's Mike Hosking Breakfast) I Thought We Weren't Doing This/You Know That Other Thing I Said Wouldn't Work?.../It's Just Food/Robot Apocalypse Update/Alien Apocalypse UpdateSee omnystudio.com/listener for privacy information.

On the Heather du Plessis-Allan Drive Full Show Podcast for Tuesday, 28 October 2025, Labour has confirmed its worst case secret: a Capital Gains Tax will be brought in if Labour wins the next election. Heather asks Chris Hipkins about all the ins and outs of the new policy. Netball NZ Chief Executive Jennie Wyllie says it wasn't a mistake to stand Dame Noeline Taurua down - but can't say what changes will be made when Taurua returns as coach. Teaching kids consent will be mandatory for schools soon, but sex education therapist Jo Robertson says we could go further. Finance Minister Nicola Willis encourages Air NZ's new boss to tidy his own house first before asking the Government for money. Plus, on the Huddle, Josie Pagani tries to convince Heather and Trish Sherson of the need for a CGT. Good luck Josie! Get the Heather du Plessis-Allan Drive Full Show Podcast every weekday evening on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Well, I don't know what's worse for Labour - the fact that they've announced a capital gains tax policy again today, or the fact that someone leaked it and forced them to announce it in a rush. Obviously, it does suck for them that somebody leaked it first, because it means that they were so unprepared that they had to rush-job announce it in an email at 3:05 this morning. And then Chippy had to cancel his morning radio interviews so that he didn't have to answer questions about this until he was ready - and then they had to get ready and call themselves a rush-job press conference where they all looked furious, and they stumbled over their words. Honestly, you haven't seen such a sad line-up of people announcing something they're proud of. This is the second policy announcement that Labour has managed to stuff up in just about a week's duration - which hardly looks convincing, does it? But then it also sucks for them that this is the policy that they're taking to the election, because I don't care what the Beltway in Wellington tells us - I do not believe that a majority of New Zealanders want a capital gains tax. No matter how many times Labour pitches it, no matter how many times they try to convince us that everyone else wants it, why don't you want it? And you know I'm right when I say this, because look at how Labour's selling this today. Even they sound like they're not so sure that we want a CGT, because they've double-policed it. Today, they've told us what they're going to spend the money on, which is three free GP visits a year for us - basically to try and sell it to us, in order to convince us that a capital gains tax is good for us. And also, just look at how gleeful the National Party sound. They know that this made 2026 just a little bit more likely for them. What I now want to know though - is who leaked this to the media? Was it someone who was just really excited that they knew something, so they leaked it to the media and blew up their own party's big announcement - or was it someone who disagrees with Labour and wanted to blow up their own party's big announcement? Either way, they've just made an unconvincing policy even less convincing today. LISTEN ABOVESee omnystudio.com/listener for privacy information.

RNZ can reveal the Labour Party has agreed to campaign on a capital gains tax, or CGT, covering just property - excluding the family home and farms. Acting political editor Craig McCulloch spoke to Corin Dann.

RNZ can reveal the Labour Party has agreed to campaign on a capital gains tax, or CGT, covering just property - excluding the family home and farms; Finance Minister and National's deputy leader Nicola Willis stood in for Christopher Luxon for his weekly interview; The new chief executive of Air New Zealand has suggested what he's calling a "situational subsidy" to support regional routes when the economy is not doing well and demand is low; Nearly two months after being stood down as Silver Ferns head coach, Dame Noeline Taurua is back in the top job; We crossed the ditch to Canberra to talk to our correspondent Kerry-Anne Walsh.

It's another varied mix of questions, with a couple on catching up after a late start, avoiding the 60% tax trap and lots more. Shownotes: https://meaningfulmoney.tv/QA30  01:03  Question 1 Hi, I'm curious if you have advice, best practice or tools to advise people who have a reasonable rental property portfolio on how to plan for retirement? I am 55, have taken 50k tax free cash, and 13k a year drawdown, approx 40k left.  I have 11 rental properties, but I am still remortgaging and buying more properties.  Currently have about 450k available to reinvest into a few more properties, and then probably stop buying. I'm really struggling to understand how much I can/should have available to spend each month, especially as I'm still reinvesting into properties.  I'm sure I should be spending way more than I am, but can't work out how best to put a retirement plan together to show how much I truly afford to spend each month. Love your content, and thanks for any advice you may be able to give. Thanks, Paul 09:49  Question 2 Hi Pete and Rog. Big fan of the podcast, keep up the good work. I am looking at ways to stay under 100k income each year to remain eligible for childcare benefits. I know if I were to make AVC into my work pension this would help to remain below that figure. I would prefer to put this money into a SIPP. My question is if I got paid the money and deposited it into a SIPP instead of my work pension will this reduce my income tax and prevent me from going over 100k and losing childcare benefits. Kind regards, Joshua 12:33  Question 3 Hello Pete and Roger, Firstly, thank you so much for such an informative podcast. I don't think I listen to a single episode without taking away something valuable! My question relates to what I should do to with money as I accumulate it for the next financial year's ISA and SIPP allowance. For context- I am 39, an NHS doctor with an NHS pension, have a paid off mortgage and have started making SIPP contributions to bring my adjusted net income below the 60% tax threshold. I am in the privileged position to be able to contribute maximum S&S ISA contributions at the beginning of each tax year and already have filled premium bonds allowance as my emergency fund. Should I put my accumulating savings in a high interest savings account until April, or am I missing out on growth each year and should I be using a GIA with a bed and ISA approach? I appreciate there may be tax on savings interest above £500 or CGT on anything over £3k gains. I just don't want to be missing out on the best approach for the next 20+ years as I hopefully continue to max out ISA and pension contributions. Thank you so much in advance and keep up the fantastic work! Paddy   16:36  Question 4 Dear Pete and Rodge, I am relatively young (36) and have started listening to your podcast relatively recently (in the last year). What I like about it best is the calming relaxed attitude that money matters are discussed in and the comforting belief that life is more important than money I think shines through. Comparison is the thief of joy I know but I find it hard to situate myself in relation to where I ‘should' be financially. I stayed at university a long time (10years) and so always perceived of myself as ‘in debt' and living to the brink of my means, I didn't have a credit card but I would spent all my money and save nothing. When I did eventually get a job it didn't pay much and again it was paycheck to paycheck for many years. Then came three big changes almost at once. First me and my wife had a baby daughter come along, next the company I worked for went bust and third I found your podcast! Something about the mix of these three made me sit up, take notice and want to engage with my finances where previously my head had been in the sand. I did very much feel like I was way behind the running. I managed to find a job which paid almost a third as much take home pay again and decided to set up savings for my daughter, set up an emergency fund, increase pensions contributions, open a stocks and shares ISA, all of the good stuff that you guys continually discuss. However, I still am very much of the opinion that I am way behind the game and starting late which is a shame seeing as time is such a valuable component in investing. My question to you guys is, were you in my position, where would be the first places you would look to educate yourselves on the right things to do next? I feel like I don't know what I don't know and things continually surprise me (for instance I didn't realise that having a car on finance was considered bad debt until the other day). I have this constant nagging doubt that I will be missing something because I haven't started from the beginning. I did consider going back to the start of the podcast when I found it, but Rodge wasn't even around in the first few so I didn't enjoy it as much and also felt like maybe some advice would have gone out of date? Is there a key place for me to start, non-negotiable sources I have to get to grips with in the first place that you can direct me to? What would you do? Very keen to learn your thoughts and hugely appreciative of all your efforts! Kind regards, Dan 24:16  Question 5 Hello Pete & Roger I've gained Incalculable value from listening to you so keep up the amazing work! I have a DB-DC hybrid scheme and at my target retirement age (64) my projections say I'll have £33K p.a DB income + £345K DC pot. This would give me ~ £86K TFC allowance at the pot. My plan has been not to take any TFC on the DC pot upfront and to use regular UFPLS withdrawals to reduce income tax over the long term. However, as this is a hybrid scheme, if I take both DB and DC components at the same time I can keep the DB at £33K p.a. and take £220K TFC upfront. This has made me question my slow TFC strategy as I can realise far more taking it upfront by leveraging the DB ‘value' but only at that point in time. My thoughts are to then find a way to get this £220K TFC into S&S ISAs where they would be invested in the same way as in my DC pension. This would allow me to reduce income tax massively over my lifetime. This seems too good to be true! Is it? Problem will be finding a home for such large amounts of cash Options Max mine and wifes ISA allowances (£40K p.a) £10K p.a. contribution  to mine and wifes DC pots  (MPAA limited) (£20K p.a.) Any other options? Thanks, Duncan 28:46  Question 6 Greetings Pete and Roger, Speaking as a fellow Gen X gruff Northerner (…Pete!), I'd just like to express my huge gratitude to you both for rescuing me from years of financial ineptitude, misdirection and investing ignorance. I can only blame myself, but losing a parent in my late teens, then late 20s, and subsequently finding myself on the non-receiving end of ‘Sideways disinheritance' (Dad remarried / mirrored will / sold our family home to pay second wife's debts….) didn't help with establishing good long-term financial habits. Thankfully, the financial clouds parted 21(ish) months ago when I discovered your excellent Youtube videos, first book, and podcast back catalogue, including a tour de force in ‘tough love' re: DC pension catch up.  Since then, I've been desperately trying to catch up, with a rough target of getting a DC pot to support an UFPLS annual 3.5 - 4% withdrawal of, the magic, £16,760. Starting from a very low base, I've been using direct payments from my own Limited Company into a Vanguard SIPP, approximately £3k+ per month (yes, I'm living on lentils..) combined with transferring personal contributions of £10k from money sat in a S&S ISA, thereby getting tax relief up to my small wage of £12.5k.  Using this mechanism, I've placed £48k into the pension (mindful of the £60k limit – tax relief is added on the 10k personal, but 19% corp. tax is saved on the employer contributions) in the last financial year, but won't be able to sustain this forever. My question is as follows – provided I still make a net profit after the Employer pension contributions, am I correct in assuming I'm ok re: the ‘Wholly and exclusively' HMRC test?  The employer pension payments dwarf the remaining net profit, from which I then take a small amount of dividends, and a smaller corporation tax payment is made at 19%. Also, provided I don't transgress the personal earnings limit (£12,570 for me), is that ok also re: also putting in from the employee side? Am I missing anything at all?  E.g. could you use the ‘carry-forward rule' to top up previous years with employer contributions from the Limited company?  I'm assuming the answer is ‘no', as dividends don't count as earnings / they don't exceed £60k, but thought I'd ask anyway! Apologies for the ‘War and Peace' length question, and thanks again. Stay intentional, Bill PS: Really like the ‘Catching up' section of your, also excellent, second book Pete.

C dans l'air l'invité du 16 octobre 2025 avec Sophie Binet, secrétaire générale de la CGT.L'Assemblée nationale a rejeté aujourd'hui les motions de censure déposées contre le gouvernement, laissant ainsi sa chance au Premier ministre Sébastien Lecornu. Mardi, dans sa déclaration de politique générale lue à l'Assemblée nationale, Sébastien Lecornu avait annoncé la suspension de la réforme des retraites « jusqu'à l'élection présidentielle ». Il s'agit d'une concession importante qui a donc permis au Premier ministre d'écarter, au moins pour un temps, le spectre d'une censure. 3,5 millions de Français sont directement concernés par cette suspension.La secrétaire générale de la Cfdt, Marylise Léon, a salué le lendemain une "victoire collective". De son côté, la CGT s'est montrée plus prudente, en insistant sur l'objectif de l'abrogation de la réforme de 2023. La secrétaire générale de la CGT, Sophie Binet, appelle aujourd'hui à la "mobilisation" contre le projet de budget pour 2026, indiquant que celle-ci commencerait "dès le 6 novembre prochain" avec une journée d'action des retraités. "Ce budget est très dangereux. Il faut absolument le modifier en profondeur", a estimé la leader de la CGT sur France 2.Sophie Binet, secrétaire générale de la CGT, est notre invitée. Elle réagira au rejet des motions de censure contre le gouvernement Lecornu 2, et à la suspension de la réforme des retraites. Elle reviendra également avec nous sur le budget 2026, et sur la future conférence sur les retraites et le travail, que Sébastien Lecornu appelle de ses voeux.

Doug McHoney (PwC's International Tax Services Global Leader) is joined by Sarah Hickey, a PwC Australia International Tax Partner and the Australian tax desk leader in New York City. Doug and Sarah discuss Australia's corporate tax landscape (30% headline rate; new thin-cap at 30% of tax EBITDA with a retrospective integrity rule on related‑party debt), investment incentives, the two‑speed CFC regime and “use it or lose it” foreign tax credits, and dividend, interest, and royalty withholding. They cover the diverted profits tax (40% rate; 12‑month evidence window), Pillar Two timing, public CbCR and short‑form restructure disclosures due by end‑2025, and indirect taxes including non‑resident CGT and stamp duty. Finally, they unpack the High Court's Pepsi decision—no royalty derivation by the US, a 4–3 win on royalties and DPT—and why contract wording anchors royalty analyses. 

In today's Q&A episode, we're answering a bunch of questions from those on the threshold of retirement, getting into the nitty-gritty of age-difference planning, DB scheme reductions and all sorts! Shownotes: https://meaningfulmoney.tv/QA29    01:04  Question 1 Hi Pete I am really enjoying listening to the podcast, thank you. They make what can sometimes be a complicated subject much easier to understand. I have a question which I have asked my SIPP provider but even they don't appear to know the answer so here goes: If someone has a SIPP valued at say £1.2m and a DB pension valued at say £300k, in order to maximise the favourable annuity provided by the DB pension, is it possible to draw the full LSA (25% tax free cash) from the SIPP? Or is there a requirement to draw the LSA on a pro rata basis from both the SIPP and the DB pension? Thank you, AJ 07:07  Question 2 Hi Pete and Roger, Thanks to The Meaningful Money Handbook, The Meaningful Money Retirement Guide and listening to all of your podcasts, I'm now in the fortunate position to retire in three years at the age of 55. However, I have a couple of questions about building a Cash Flow Ladder: Q1 - Should I be moving my investments into the various rungs of the ladder now, or just wait until I retire? Q2 - Most of my investments are in a pension, but I also have an ISA for a bit of flexibility. Would it make sense to use the same ladder structure in both the pension and the ISA? Thanks for all your good work. Tim 11:17  Question 3 Hi guys Loving the podcast - helped me through the COVID years and it's been a staple ever since so thank you for that. My question is around investing in older age. At what point, if any, is it worth cashing out GIA investments if other sources of income such as state pension and DB pensions are more than enough to live off and I have sufficient other capital (cash isas) for those big things still ahead? I'm not planning to leave any sort of inheritance (unless I pop my clogs early !) so is there some rule of (age) thumb of when to cash out and spend investments? I sort of don't see the point of continuing to invest after a certain age and to spend the money. But I guess it's not easy switching from investing to spending. Thanks, Chris 16:33  Question 4 Hi Pete & Roger, Great show gents, always interesting and informative.  I've been an avid listener for a couple of years now and have been encouraged to write in on the off-chance that my question may have relevance to others with a similar dilemma. I fear you may feel it's too niche but here goes: I'm 59yrs old and for all intents and purposes retired, in as much as I quit my career in business 18months ago to take on the full-time parental care role of my 6yr old twins which enables my wife (15yrs my junior) to continue in the career she loves. We are fortunate that my wife is an additional higher rate tax payer (as was I before I quit), we live mortgage free in a ~£1.5m family house - all of which means I have no plans to draw a pension until my wife is also ready to retire, which despite her occasional gripe, is not likely to be until our children leave school (by which time we will be ~ 72 and 57 respectively). I have a small index-linked Public Sector DB pension that kicks in in a few months time when I hit 60 (£7k per year) and expect to get a full State Pension which should provide me with around £20k p.a. at todays values as a base income when I reach state pension age in 7 years time. I also have a Pension pot currently valued at around £1.2m, made up from £1m SIPP and £200k S&S ISA) and my wife's Pension pot is currently valued at around £520k (£400k SIPP & £120K S&S ISA).  I no longer contribute to my SIPP but my wife invests around £30k Gross in to her SIPP annually and we plan on continuing to fill both ISA allowances each year until she retires.  We are both 100% invested in equities using low-cost Global trackers to maximise their growth potential. Here's my question, I was burnt a few years back (before I started listening to podcast like yours to educate myself on how to manage my finances) when I was persuaded to join SJP and combine all my old workplace pensions into a single pot managed with them.  I even persuaded my wife to join and I opened Junior SIPPs for my twins when they were born (not their advice, my own) which we continue to pay the full amount into monthly to hopefully secure their future retirement. Long and the short of it, the more I learned about investing, the more I regretted my decision to tie myself into SJP and the more I begrudged paying their relatively high fees (for what turned out to be a lower return than much lower cost tracker options could / would have produced over that same time period). I eventually sucked up the exit fees and bailed out a few years back, taking my wife and children's accounts with me and whilst I haven't looked back, it has made me reluctant to spend money on financial advisors, given the perceived poor advice I felt I received last time. To that end, I'm currently planning on managing mine and my wife's finances through retirement without recourse to an advisor but have started to have niggling doubts as to the whether I'm being too arrogant in my own abilities. In simple terms, our aim to build a combined Pension Pot (incorporating a healthy ISA element to aid in tax-efficient drawdown, allow my wife to retire early(er) if she so desires and to cover one-off expenses that may from time to time will come up) that's large enough for us to live off comfortably based on a flexible 3-3.5% drawdown rate annually (index-linked).  The plan is also to remain 100% invested in equity throughout retirement with the exception of and maintaining, a 3-5yr cash-like buffer (invested in MM Funds / short term government bonds) from which to take our living expenses. My wife and I are not extravagant spenders and can easily cut our cloth according to circumstances, so my feeling is, with a small but decent guaranteed income that we will have as a foundation, when combined with what I hope/expect to be a sizeable joint Pension Pot and a relatively low and sustainable withdrawal rate that should see us right even through the harshest of winters (metaphorically speaking) this should provide all the income we'll need for a comfortable retirement with a good chance of leaving a fair amount left in the pot for our children at the end, without over complicating our portfolio or expensive management costs. The obvious concern I have is around IHT but even there, I feel like that's a concern to address further down the road once we know we are financially secure and when we know more about the needs of our children as they grow-up and can plan what to do with any excess cash we might have using the rules in place at that time. Sounds simple, but is it too simple?  Can you spot any obvious flaws in this plan or reasons why you think seeking professional advice would make sense that may not have considered? Thank you and keep up the good work! Regards, Aaron 27:42  Question 5 Hi both Love the podcast. I listen regularly and enjoy hearing the banter between the two of you,  as well as providing answers to thought provoking questions. As an additional rate taxpayer in Scotland, my marginal income tax rate is an eye watering 48%. So I get significant benefit from tax relief when topping up my pension. It can cost as little as £33,000 to enjoy a full input of £60,000 once I get money back on my tax return. I have been diligently stuffing my pension as much as I could afford for years now as it was always the prevailing financial advice. I'm now only a couple of years away from retiring at age 55. I am fortunate enough to be now over the old LTA (which is now of no consequence). However the tax free limit is still set at 25% of that old allowance (£268,273?). Given I am now NOT going to benefit from any further tax free money on the way out, I wonder whether continuing to contribute to my pension is a good idea anymore. My choices are either : 1) Pay into the pension and enjoy tax relief of 48% now, allow the fund to accumulate tax free over the coming years, then pay income tax on the way out at 40%. (I expect to be high rate , not additional or basic rate tax payer in retirement) 2) Take the tax hit now on income, don't contribute to pension, put the nett amount into a GIA, and pay 24% CGT on the gain on the way out. I did some numbers and while the pension wins out, it's not by much over a 10 year term assuming 5% growth. But tax rates could change, pension rules could change, and inheritance tax changes are pending. Can you compare the pros and cons of each approach to help me make a decision, or is there a third option to consider? (I hear Roger sometimes suggest a strategy of taking the tax hit now rather than later e.g better the devil you know) I hope this makes sense. Thanks, Martin   33:47  Question 6 I became an avid listener of the podcast during the first lockdown and have learned so much in the past 5 years. I really enjoy it and appreciate all the effort you put into it. My question is with regard to age gap relationships and planning for retirement. I'm 59 and am currently contributing to the NHS Pension Scheme. Part of my pension can be taken at  age 60, without deduction, and I hope to have an income of £16,000 plus a £50,000 lump sum. The rest of my pension I'll be able to take at age 67 and by the age of 63 I hope to have a further pension of £18,000 without a lump sum. In addition to this, from my career before the NHS, I have a SIPP and the current value is £400,000. 63 is the age by which I hope to have stopped working at my current level but it might be sooner. My wife is ten years younger than me and has not been working for most of her adult life. Currently she is paying into a local authority DB scheme but by the time she is 58 her pension entitlement might only be £5,000 per year, but this would need to be discounted by 40%-50% in order to take that income. By the time we are eligible I expect both of us to qualify for the full state pension. We have no other cash savings to speak of and our mortgage is due to be paid off next year, when I will be 60. My question is what advice do you have for couples who face this age gap issue. The plan is that we want to spend our retirement together while I am fit and active (well fit-ish). Once we both have the state pension, with my NHS Pension, we should have an income of £58,000 at todays values, which will be enough for our needs when I am in my late seventies, but might make me a higher rate taxpayer in requirement. Before then, we'd like to spend a bit more and we are planning to use my SIPP and my wife's DB scheme (when she is 58) to fund our pension, until it is replaced by the second NHS Pension and the state pensions. I never realised this would be so complicated to get my head around. When the mortgage is paid off, we'll have some money and should we concentrate in paying it into an ISA so that we can get an additional income without me having to pay higher rate tax, or should we set up a SIPP for my wife so that she can build up a pot of money that she can drawdown on from when she is 58. This would be with the aim of her utilising as much of her annual tax free allowance as possible. I've assumed there is no way that I can transfer part of my SIPP to her before I die. I very much hope that you can help. Best wishes, Steve    

Dia de vaga general de suport a Palestina, amb talls a la circulaci

From CAR-T therapies to viral vectors, cell and gene treatments are redefining the boundaries of pharmacy practice—but with innovation comes complexity. Host Carolyn Liptak welcomes Dr. Mark Wiencek, Principal Microbiologist with the Technical Services Group at Contec, and Dr. Amanda Frick, Senior Clinical Manager of Market Intelligence at Vizient, to break down the challenges of compounding these advanced therapies.   Listen in as they discuss real-world risk assessments, biosafety considerations, and how hospital pharmacies can safely manage these groundbreaking yet high-risk treatments.   Guest speakers:  Mark Wiencek, PhD Principal Microbiologist, Technical Services Group Contec Amanda Frick, PharmD, BCPS Senior Clinical Manager, Market Intelligence Vizient   Host:  Carolyn Liptak, MBA, RPh  Pharmacy Executive Director  Vizient   Show Notes:  [01:02-01:51] Mark shares his background and experience in microbiology [01:52-04:04] Overview of the types of cell and gene therapies (CGT) currently used in clinical practice [04:05-05:14] Which CGT therapies are most applicable to pharmacy compounding and why [05:15-10:29] Things not on the NIOSH list and the risks [10:30-12:03] Evaluating whether viral vectors can penetrate intact skin and the true occupational exposure risks [12:04-13:18] If hazards are not defined by the NIOSH list, how should these CGT hazards be classified [13:19-15:03] Determining the safest environment for compounding CGT therapies [15:04-20:14] Best practices for decontamination, disinfection, and viral vector handling [20:15-20:59] Do you need a dedicated biosafety cabinet for CGT therapies [21:00-22:55] Recommended resources for further learning   Links | Resources:   Blind and colleagues (Nationwide): Click here Wang and colleagues (Stanford): Click here CONTEC HEALTHCARE WEBINAR Using Bugs as Drugs: Compounding Viral Vectors in Cell & Gene Therapy for Hospital Pharmacies, Mark Wiencek, May 13, 2025: Click here Blind, J.E., Ghosh, S., Niese, T.D., Gardner, J.C., Stack-Simone, S., Dean, A. and Washam, M., 2024. A comprehensive literature scoping review of infection prevention and control methods for viral-mediated gene therapies. Antimicrobial Stewardship & Healthcare Epidemiology, 4(1), p.e15. Click here Deramoudt, L., Pinturaud, M., Bouquet, P., Goffard, A., Simon, N. and Odou, P., 2024. Method for the detection and quantification of viral contamination during the preparation of gene therapy drugs in a hospital pharmacy. Occupational and Environmental Medicine, 81(12), pp.615-621. Click here Korte, J., Mienert, J., Hennigs, J.K. and Körbelin, J., 2021. Inactivation of adeno-associated viral vectors by oxidant-based disinfectants. Human Gene Therapy, 32(13-14), pp.771-781. Click here (abstract only; full article available for purchase) Martino, J.G., McConnell, K., Greathouse, L., Rosario, B.D. and Jaskowiak, J.M., 2024. Cellular therapy site-preparedness: Inpatient pharmacy implementation at a large academic medical center. Journal of Oncology Pharmacy Practice, 30(8), pp.1442-1449. Click here Penzien, C., 2023. Safe handling of BioSafety drugs and live virus vaccines. Pharm Purch Prod, 20(4), p.12. Click here Petrich, J., Marchese, D., Jenkins, C., Storey, M. and Blind, J., 2020. Gene replacement therapy: a primer for the health-system pharmacist. Journal of Pharmacy Practice, 33(6), pp.846-855. Click here Wang, A., Ngo, Z., Yu, S.J. and MacDonald, E.A., 2025. Implementing standard practices in the safe handling of gene therapy and biohazardous drugs in a health-system setting. American Journal of Health-System Pharmacy, p.zxaf026. Click here   VerifiedRx Listener Feedback Survey: We would love to hear from you - Please click here   Subscribe Today! Apple Podcasts Spotify YouTube RSS Feed

It's another mixed-bag of questions this week, covering income protection, the local government pension scheme, avoiding the 60% tax trap and much more besides! Shownotes: https://meaningfulmoney.tv/2025/10/08/listener-questions-episode-28/    01:33  Question 1 Hello Pete & Rog I like to think of you as a couple of great mates offering me life changing information in a relaxed & entertaining fashion. When putting income protection in place, how do people/planners typically frame a target? Just replacing essential income? Or also replacing  large contribution to pensions (including lost employer contributions) and S&S ISAs for long term wealth building? Thoughts on how I should frame these questions are very welcome! Many thanks, Duncan 11:27  Question 2 Dear Pete and Roger, Firstly thank you so much for all the free resources you put out there to try and help make the world more financially literate and astute. I myself started a journey of self awareness a few years ago thanks in no small part to your content. I have a question about pension recycling and what is allowable. I've read the rules on the criteria, all of which I think have to be met in order to fall foul of the rules, but am not clear on my wife and my specific situation. My wife and I met later in life and have been married for 13 years in a happy and stable relationship. I've just turned 50 but my wife is eight years older. In summary when we came together I brought earning potential but no assets (previous divorce wiped me out!) and she brought assets (house, SIPP pension built up, inheritance) but, through mutual agreement, no earning potential. Fortunately we have a healthy open discussion about money. I am an additional rate tax payer and use my £60,000 limit of pension contributions every year. We have paid off our mortgage and we have always lived using my salary for all our outgoings and live within our means with little consumer debt. I max out my ISA allowance too. Essentially I have no more tax breaks we could take advantage of by her giving me money, save for CGT or dividend allowances. After thinking about her tax implications I have encouraged my wife in the last couple of years to start to withdraw from her DC pension the maximum amount that would result in no income tax being paid (currently £16,760 of which 25% is tax free). Since we don't need the money for living expenses she tops it up with her savings to £20K and puts it in a S&S ISA so really is just moving investments from a less flexible tax free wrapper to a more flexible one while she pays no income tax. We will do this for the next ten years until she reaches state pension age and I retire myself. She'll still have a sizeable SIPP at this point as this strategy won't deplete all her pension. She still has significant other assets that attract tax as she earns more interest than the starter rate for savings allows tax free. She's fully paid up all her NI through additional contributions, has the maximum in premium bonds and I also have started to get her to put £2,880 into a new SIPP in her name every year to get 20% tax relief. My question (sorry it took so long to get here) is that now she is drawing an income of sorts from her DC pension could she recycle more than £2,880 into a SIPP? Clearly it fails on the intention front, on the >30% of the tax free cash and the fact she has actually taken tax free cash. But she's not taking in excess of £7,500 of tax free cash in a 12 month period (another one of the criteria) and I'm also not sure if her taxable DC withdrawals (on which she pays no income tax as