Podcasts about cgt

In this Australian Property Podcast episode, Pete Wargent and Chris Bates unpack a market that still looks soft on the surface but may be opening a sharper decision window for buyers, upgraders and long-term investors. They explore how the post-Budget reset is changing behaviour on the ground, from investors stepping back and refinancers scrambling to lock in older valuations, to the early signs of more urgency ahead of the spring selling season. Pete and Chris discuss why Sydney and Melbourne may now offer some of the best buying conditions seen in years, why quality owner-occupier stock could tighten again quickly, and why the real story is not just falling prices but shifting competition. The conversation also digs into the second-order effects of policy change. They look at rental pressure, investor hotspots, rezoning and density in Sydney, and the practical ways households may rethink capital allocation if negative gearing and capital gains tax settings keep pushing people away from established property. In the listener Q&A, they tackle whether selling down a large portfolio to buy a premium Sydney family home is smart capital recycling, and how the six-year CGT rule can change the tax treatment of an old and new home. If you want a practical read on where fear is building, where opportunity may be opening and what to watch next, this is a timely episode to queue up. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

The old formula for seeking income in the Australian market is fading: Dividend rates have dropped across the ASX. Yet, recent tax changes mean that investors will want to raise income from local markets. Hugh Robertson of the Centaur Financial Services group joins Associate Editor, James Kirby in this episode. In today's show, we cover: How can I chase income safely? The income risk ladder - Bonds to high dividend funds Molino's move on SMSFs - More fees and a 'test' Is there any escape from the minimum 30 per cent CGT rate? See omnystudio.com/listener for privacy information.

Are the 2026 tax changes about to undo years of work in your practice? Dr Jesse Green and Brendan Campbell go through what the changes actually mean for a practice owner, and the answer is calmer than the headlines suggest. You will find out which assets are grandfathered and need no action at all, how far away the real deadlines sit, where changing the way your practice is owned could get more money into super, and which questions to put to your accountant about your trust and your bucket company before anything shifts. If you are a dental practice owner with a trust, an investment property or a super balance you are working to grow, you won't want to miss this episode. In This Episode: 02:39 Division 296 and the $3 million super balance threshold, and why super is still one of the best places to hold money 06:21 The 50% CGT discount ends 1 July 2027 and cost base indexation returns, so gains arising before that date keep the discount 13:34 Negative gearing limited to new residential builds from 1 July 2027, with properties acquired before budget night exempt until you sell 31:02 The 30% minimum tax on discretionary trust income, and what it changes for bucket companies 41:11 The restructure that can move money into super, create a deduction on the borrowing, and lift your cost base Notes on This Episode: The capital gains tax and negative gearing reforms discussed in this episode are now law, taking effect from 1 July 2027Division 296 applies an extra 15% to super earnings above $3 million, with a further 10% above $10 million. Both thresholds are indexed and may rise over time The 30% minimum tax on discretionary trusts, the loss carry-back measure, and the instant asset write-off changes were proposed as part of the 2026-27 Budget. Confirm current status with your accountant before acting Resources and Links: Learn more about Prosperity Advisors How Does Your Dental Practice Compare Against the Top Performers? Stay Up to Date by Following Dr Jesse Green on Instagram Connect with Dr Jesse Green on LinkedIn If you're a Dental Practice Owner looking to scale your practice, learn more about our Practice Max Program This episode was recorded on 21 July 2026. The information and commentary shared is general advice only. It does not take into account any individual's objectives, financial situation or needs, and it is not a substitute for advice about a specific practice or structure. Listeners should obtain advice from their own accountant, tax agent or licensed adviser before acting on anything discussed. Mentioned in this episode:Savvy Dentist Team Training BundleIf your practice can't run without you, it's time for systems - not more theory. That's why we created the Savvy Dentist Team Training Bundle - five powerful, system-driven programs including Front Desk All Stars, the Million Dollar Dentist, Practice Manager Masterclass, Advanced Treatment Coordinator Training, and High-Performance Hygiene. Each course delivers practical, step-by-step systems your team can use every day to build accountability and create a self-managing practice. Save $2,000 for a limited time — visit savvydentist.com/team-training.Team Training Bundle 2025

durée : 00:11:12 - Le 6/9 de l'été - par : François Geffrier - Bruno Mégarbane, médecin réanimateur spécialisé en toxicologie à l'hôpital Lariboisière, à Paris, et Ophélie Labelle, représentante de la fédération santé et action sociale de la CGT, dénoncent l'impréparation du gouvernement face à l'été caniculaire vécu dans les établissements de santé. - équipe : Clémentine Sabrié - invités : Bruno Mégarbane Médecin réanimateur spécialisé en toxicologie à l'hôpital Lariboisière (Paris), Ophélie Labelle représentante de la fédération santé et action sociale de la CGT Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:11:12 - Les interviews d'Inter - par : François Geffrier - Bruno Mégarbane, médecin réanimateur spécialisé en toxicologie à l'hôpital Lariboisière, à Paris, et Ophélie Labelle, représentante de la fédération santé et action sociale de la CGT, dénoncent l'impréparation du gouvernement face à l'été caniculaire vécu dans les établissements de santé. - équipe : Clémentine Sabrié - invités : Bruno Mégarbane Médecin réanimateur spécialisé en toxicologie à l'hôpital Lariboisière (Paris), Ophélie Labelle représentante de la fédération santé et action sociale de la CGT Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

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

Markets around the world are hitting record highs and reporting season is delivering plenty for investors to unpack. Bryce & Ren break down results from some unassuming Aussie companies, ask whether the day or frequency of your dollar cost averaging actually matters, and explain how proposed capital gains tax changes could make record-keeping more complicated. Plus, Michael Burry is betting against the AI trade again. Should investors listen to the man who famously called the GFC?00:00 Markets are hitting record highs03:58 Australian reporting season: numbers that caught our eye05:30 Nick Scali, ResMed and REA Group14:04 Does the day you dollar cost average actually matter?18:16 How often should you dollar cost average?22:21 How will the CGT changes affect investors?28:44 Michael Burry's latest bets against AI31:18 Why calling crashes is easier than making moneyStocks & ETFs Mentioned: Pinnacle Investment Management Group (ASX: PNI), CAR Group (ASX: CAR), Light & Wonder (ASX: LNW), James Hardie Industries (ASX: JHX), Rio Tinto (ASX: RIO), BHP Group (ASX: BHP), Charter Hall Retail REIT (ASX: CQR), Nick Scali (ASX: NCK), ResMed (ASX: RMD), REA Group (ASX: REA), CSL (ASX: CSL), Walmart (NASDAQ: WMT), PepsiCo (NASDAQ: PEP), Apple (NASDAQ: AAPL), Microsoft (NASDAQ: MSFT), Nvidia (NASDAQ: NVDA), Micron Technology (NASDAQ: MU), iShares Semiconductor ETF (NASDAQ: SOXX), Palantir Technologies (NASDAQ: PLTR), Tesla (NASDAQ: TSLA), Oracle (NYSE: ORCL), Nebius Group (NASDAQ: NBIS), Caterpillar (NYSE: CAT), Lululemon Athletica (NASDAQ: LULU), MercadoLibre (NASDAQ: MELI), Zoetis (NYSE: ZTS), Fiserv (NYSE: FI), Freddie Mac (OTC: FMCC)Grab your FinFest tickets today: https://www.finfest.live/———Want to get involved in the podcast? Record a voice note or send us a messageAnd come and join the conversation in the Equity Mates Facebook Discussion Group.———Want more Equity Mates? Across books, podcasts, video and email, however you want to learn about investing – we've got you covered.Keep up with the news moving markets with our daily newsletter and podcast (Apple | Spotify)We're particularly excited to share our latest show: Basis PointsListen to the podcast (Apple | Spotify)Watch on YouTubeRead the monthly email———Looking for some of our favourite research tools?Download our free Basics of ETF handbookOr our free 4-step stock checklistFind company information on TIKRResearch reports from Good ResearchTrack your portfolio with Sharesight———This podcast is intended for education and entertainment purposes only. Any advice is general advice and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If unsure, speak to a financial professional. The host of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares Group but maintains editorial independence and operates under Australian Financial Services licence 540697. Hosted on Acast. See acast.com/privacy for more information.

Myriam Bregman, la congresista que desafía la lógica de "todos contra Milei" y señala el acuerdo tácito del peronismo, es la invitada del Programa 20 Minutos. En esta entrevista imperdible, profundizamos en la visión del líder de la oposición de izquierda en Argentina, quien goza de la imagen más positiva entre los dirigentes políticos del país, con casi un 50% de aprobación en las encuestas recientes.Bregman deconstruye la narrativa que limita la amenaza de Javier Milei a su discurso agresivo, afirmando que, en realidad, es un "gatito dócil del poder económico" que aplica las prescripciones del FMI y sirve a los intereses de Washington.Ella va más allá y afirma: la crisis actual es resultado del fracaso de gobiernos progresistas que no enfrentaron las desigualdades estructurales, y la verdadera batalla no se gana solo con victorias electorales, sino en la lucha contra el poder económico que financia a la ultraderecha.Con un análisis incisivo, la diputada del PTS/FIT-U critica la pasividad de la CGT y la fragmentación de la oposición tradicional, advirtiendo que la salida a la crisis argentina radica en la construcción de un nuevo movimiento obrero, independiente del peronismo, y en la disputa de un proyecto anticapitalista que restituya la soberanía al país y rompa con la subordinación a Estados Unidos. Esta es una conversación esencial para comprender la resistencia y el futuro político de Argentina en medio de un ajuste devastador y una reforma electoral que busca perpetuar a Milei en el poder.

Dave Gow from Strong Money Australia is back, this time for a two-part series. Part one goes right back to the start: the toxic workplace that lit the fire, the property portfolio he spent years building, and the moment he ran the numbers and realised the strategy he loved would keep him working for another decade. Ana and Dave also get into why "sacrifice" is the wrong word for any of this.In this episode we'll discuss:

durée : 00:03:31 - Ibrahim Sylla, secrétaire général de l'union locale de la CGT de Neufchâteau veut attirer l'attention des pouvoirs publics et des élus locaux sur la disparition progressive des emplois saisonniers dans la Plaine des Vosges. Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Westpac shares slump hard as mortgage applications have dropped 20 per cent since the changes to negative gearing and CGT, oil prices climb as Iran refuses a deal to re-open the Strait. Plus, the RBA makes an interest rate decision tomorrow.See omnystudio.com/listener for privacy information.

Kudos to Janine Allis for being outspoken on the impact the Federal Budget will have on business and aspiration.Founders are calling it a tax on ambition. The rules changed after the risk was already taken. And the people this reform claims to help will be the ones paying for it.Janine Allis built Boost Juice Bars from a single store into a global retail network, backed founders as an investor, and mentors the next generation through The Business Academy. Whilst she has no doubts as to whether having a go is worth it, she certainly has questions around the fairness of changing the rules, and the viability of pursuing business opportunities is Australia.In this episode, Di and Janine Allis discuss the fallout from the Federal Budget - the CGT changes, negative gearing reforms, and whether the divide between a young founder and one with decades invested is about to get a lot wider.The Budget didn't kill ambition, but it made it a whole lot more expensive. We explore:• Why Janine calls these tax changes a tax on ambition, not a correction.• What a Budget like this teaches an aspiring entrepreneur before they've even started.• Why the 25-year-old founder and the 55-year-old founder are not taking the same hit.• Why Australia's capital gains tax rate is now a signal to build elsewhere.• Janine's advice for the next female founder considering the leap. Key takeaways:• The founders taking the biggest hit are the ones this reform claims to protect.• Ambition survives bad policy. It just gets more expensive to hold onto.• Having a go was always a risk. This Budget raised the price of taking it. Be the first to catch inspiring interviews, empowering stories, and thought-provoking conversations.

C'est un témoignage qui a fait vendredi 7 août les gros titres des journaux télé en France : une dame de 85 ans, « hospitalisée six jours sur un brancard aux urgences d'Orléans, et qui dénonce "un enfer" », explique Libération. Elle s'appelle Nino-Anne Dupieux, retraitée, ex-adjointe au maire d'Orléans (dans le centre de la France), et a été hospitalisée le 18 juillet dernier pour une hémorragie. Elle a donc passé six jours sur un brancard : « Voici un hôpital sans chambre pour moi, sans lit, sans possibilité d'anesthésie pour des examens douloureux, et d'ailleurs, ajoute-t-elle, sans possibilité d'anesthésie dans son service des urgences où atterrissent des traumatisés de toutes sortes. » Nino-Anne Dupieux « apprendra par la suite que des chambres étaient disponibles, mais fermées à cause d'un manque de personnel », précise Libération. Elle remercie toutefois tout le personnel soignant : Ils ont « agi comme des "anges", lors de son séjour infernal », dit-elle. Finalement, la vieille dame « a mis fin à son hospitalisation contre l'avis défavorable des médecins, après avoir signé une décharge pour retourner à son domicile ». Le syndicat CGT parle de « situation catastrophique dans tous les services de l'établissement ». Pour sa défense, la direction de l'hôpital annonce « la réouverture de 42 lits, entre septembre et novembre prochain ».  Du wifi mais pas de télé dans les hôpitaux québécois Au Québec, c'est une mesure d'économie contestée que rapporte le journal Le Devoir. Il s'agit de la disparition des téléviseurs dans les chambres de certains hôpitaux, où la connexion wifi remplace désormais la télé. Une décision que « dénoncent les comités d'usagers », explique Le Devoir. Selon eux, « cette situation pénalise surtout les aînés et les personnes vulnérables qui ne possèdent ni téléphone intelligent ni tablette ». Pierre Hurteau, le président de l'un de ces comités d'usagers, s'exclame ainsi : « Si vous n'avez pas de télévision, qu'est-ce que vous faites ? Vous regardez les murs et vous pensez à vos bobos. Et il y a des gens qui n'ont presque jamais de visite. » Certains hôpitaux font toutefois des efforts, « prêtent des tablettes » et d'autres signalent que « des téléviseurs demeurent accessibles dans les espaces communs ». Mais Santé Québec, le service public de la santé, ne semble pas très sensible aux arguments des usagers mécontents. « Nous sommes conscients, explique ce service, que l'accès à des divertissements peut rendre le séjour plus confortable et agréable. Toutefois notre mission première est d'assurer des soins de santé de qualité et sécuritaires ». Menace sur la santé mentale  En Angleterre, ce sont des coupes budgétaires dans le domaine de la santé mentale qui font réagir. « Des millions d'adultes et d'enfants en Angleterre risquent d'être contraints d'attendre plus longtemps pour obtenir des soins de santé mentale, lit-on dans le Guardian. Car plus des deux tiers des prestataires du NHS (le service de santé publique britannique) prévoient de réduire leurs services et la moitié devraient supprimer des emplois. » Le quotidien britannique détaille les services qui seront directement touchés : « Les soins de santé mentale pour enfants et adolescents, les thérapies par la parole, le soutien aux toxicomanes, l'aide aux adultes en situation de crise ou encore les programmes destinés aux minorités ethniques et aux groupes à faibles revenus. » Certes, le nouveau Premier ministre Andy Burnham a promis cette semaine « de créer un réseau de près de 200 centres de santé mentale communautaires et de services d'urgences psychiatriques d'ici 2029 ». Mais cette promesse laisse sceptiques « les associations caritatives œuvrant dans le domaine de la santé ». Elles soulignent que « si les financements alloués au personnel et aux services sont réduits, des améliorations significatives des soins seront "impossibles" ». À lire aussiSanté mentale : un enjeu majeur pour l'Union européenne

In this episode of Australian Property Podcast, Pete Wargent and Chris Bates unpack a property market that is cooling, but not in a simple, one-speed way. Home values fell again in July, Sydney and Melbourne stayed at the front of the downturn, and listings jumped sharply, especially across key parts of Sydney. The bigger question is who actually benefits from this shift. Pete and Chris explain why first-home buyers may not be getting the relief many expected, why the lower end of the market has held up better than the top end, and why upgraders could be looking at one of the more interesting windows of this cycle. They also dig into rising rents, worsening rental affordability, and how changes to negative gearing and capital gains tax are starting to reshape investor behaviour. The conversation then widens to the broader economy, from slower lending and weaker housing activity to pressure on construction, consumer spending and state budgets. They also tackle listener questions on CGT transition rules, valuations, development sites and the growing need for proper tax advice in a more complex market. If you want a grounded read on where fear is building, where leverage may be shifting and what to watch next, this episode is a timely one. Episode resources – Ask a question (select the Property podcast) Show partner resources – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit – Whatever comes next for your business, power it with Stripe Rask resources – Pete's Buyers Agency – Alcove mortgage broking – Amy Lunardi Buyers Agency (Melbourne) – All services – Financial Planning – Invest with us – Access Show Notes – Ask a question – We love feedback! Follow us on social media – Instagram: @rask.invest – TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

Last episode Dave and Hayden covered the general idea of geographic arbitrage: take your Aussie wealth, live somewhere cheaper, retire sooner. This episode is the technical follow-up, and it's a sobering one. Brett Evans from Atlas Wealth has spent nearly three decades advising Australian expats across 65 countries, and he joins the boys to walk through everything that changes the moment you step on that plane. Fair warning: Hayden reckons it's the most information-dense episode they've published.In this episode we'll discuss:

In this UK personal finance Q&A, Pete Matthew and Roger Weeks answer listener questions on offshore investment bonds, GIA tax, pensions, retirement drawdown and building financial stability in your twenties. They explain how UK tax can apply to dividends, capital gains, offshore bond withdrawals, top slicing relief and pension crystallisation, with practical context for retirement planning and long-term investing. The episode also covers the normal minimum pension age rules, phased pension access, tax-free cash and how couples often divide responsibility for managing household finances. Shownotes: https://meaningfulmoney.tv/QA57  01:04  Question 1 Hi Pete & Roger, I'm hooked on your Podcasts; they are invaluable and strangely fun. Though I don't recall hearing about Offshore Investments Bonds being discussed, this is a worry to me because I have one with Prudential which my financial advisor arranged for me. (My original premium invested £254,640 on 11th March 2027.) I would appreciate to hear your general views on Offshore Investments Bonds, a general overview with positives and negatives. Also, I'm thinking of letting my Pension Advisor go, and going alone at the beginning of April 2026, because I don't like the idea of paying for Pension Advisor costs and I don't plan to make any withdrawals until 2037 when I'm 67. Prudential have said that it is possible to go alone if I agree to a disclaimer, because this Bond is sold as an advised only product. Though I'm confident in my ability to manage this Bond because I'm a member of Meaningful Academy and I'm already retired at 56 and living off my Pru Drawdown Pension, therefore I have plenty of time to learn. (At 67 my Pension Pot will have virtually run dry.) My plan at 67 at my State Pension age is to take my Bond's 5% tax deferred allowance monthly, plus make annual 'Segment Encashments' to refill my 'Cash Buffer' that covers my monthly income shortfalls, and if (& when) I need to stop taking monthly withdrawals from the Bond during smoothing shocks; suspensions or UPA's etc. Also, when it's time to encash segments, I'd like to use 'Top Slicing Relief' to prevent being taxed as if I've earned that whole amount in a single year. I would also appreciate your general views on this plan too, I do realise this is not advice. I'm hoping this question is not too specific and that others may find useful. All the best. Jon 11:24  Question 2 Hi Pete and Roger, Thanks for everything you do, it is truly life changing. I currently live abroad and am a few years off state pension age. When I get to state pension age I am thinking of returning to the UK. When/if I do return, I will have approximately £800k in a UK GIA. (I can't have an ISA as not currently a UK tax resident).  My £800k GIA will be invested in about 10 various ETF's. I plan to live off the proceeds of this GIA, alongside my state pension. Let's assume the state pension takes up my single person tax allowance, so that is effectively tax free. What I am not sure of is how my 'income' from the GIA is taxed. Let's say I take 5% pa (close to the 4% rule of thumb) which is £40k pa. Although this will be my 'income' I don't believe it would be treated as income for tax purposes. It could also be subject to CGT as it's an investment, but it isn't all profit/gains, so I can't see how it would be taxed as that either. Please can you explain to me how the GIA would be taxed so that I can plan for returning to the UK, and understand whether it is financially viable. Also am I missing anything obvious? Hope that isn't too long a question to be answered on the podcast. Many thanks, Neil Thompson, Long time listener 19:11  Question 3 Hello, I always love listening to the podcast while I'm working and find it a great way to pass time when I'm bored. When I listen I never really hear many young people such as myself contact the show an ask for advice so I thought I would. I've recently just turned 20, I live at home and don't pay any board as I work away 5 days a week. I take home around 2500-2700£ a month after taxes. At the moment I have 6000£ in a stocks and shares ISA (I put 500£ a month in) and 2000£ in LISA. My only debt is my car finance which costs me 250£. What is the best advice you can give me to help me become more financially stable in the future? Thanks a lot for reading and appreciate any advice you can offer. Thanks, Sam. 24:47 Question 4 Dear Pete & Rog, Really enjoying your podcast, (and your BOD spin-off Pete). I have a question about accessing a DC pension/SIPP, specifically the age one can access benefits. I understand this is 55, if you reach the age of 55 before Apr '28, after which the age rises to 57. I turn 55 in late January 2028, and am planning to retire then. As the rules stand I would be able to access my workplace DC pension and my own SIPP at this time, since I turn 55 prior the 6 April 2028 (before minimum age increases to 57). I am (was) planning to gradually drawdown my DC pensions, taking small monthly amounts to bridge the gap between 55 and 65. At which point have 2 deferred, index linked, DB pensions, along with the state pension a couple of years after that. Recently I saw a finance video on You-Tube which said that this is not correct. https://www.youtube.com/watch?v=756h-kRxEug The video led me to believe the following…. Having already turned 55, before April 28, I assumed I would be free to access any amount from my DC pension, at any point after Jan 28, upto and including late Jan 30 (when I turn 57). Since I turn 55 late Jan '28 I will be able to access my DC pension from my 55th birthday, and until 6 April '28 for about 10wks! I will also be able to access my DC pension after I turn 57, late Jan '30. But in the period between April '28 and Jan '30 I would not be allowed to drawdown my DC pension nor my own SIPP, irrespective of whether I had started to access it already, or not. This seems ridiculous, is it true? Thanks so much for your thoughts, and keep up the good work! Phil GovUK: Pensions Newsletter 178 (February 2026) 33:40 Question 5 Dear Pete and Roger, and Nick... As a prolific personal finance podcast listener, I was surprised to only discover your podcast in December 2025. Since then I've been binge-listening to your listener Q&A series and have just finished the very last one, so I'm now fully up to speed and I absolutely love the series — keep up the awesome work. I do have a few questions, but as you don't like super long questions, I'll spread my three very different questions across different weeks. My first one is this: as I listened through the episodes, I was surprised by the number of questions coming from men, because I had always assumed that women tend to manage the money in most relationships. I know you said 85% of your YouTube audience is men. I'm wondering, just out of interest from your lived experience at Jacksons: in this self-selecting group of people who are interested in money management, what roles do men typically play in managing finances, and what roles do women tend to play? In my own household, I manage 100% of the finances — everything from utilities, contracts and payments to the investment portfolio. Basically anything to do with money my husband hates, so I end up doing it. Fortunately I love it, so it works pretty well for us. And just to sign off, as an indication of what a presence you've established in our household: a week ago I scratched my cornea and the doctor told me I needed to rest my eyes. My husband caught me scrolling on my phone and said, "Heather, the doctor said you need to rest your eyes. Put on your two stepdads and stop looking at your phone!" I didn't need to ask who my two stepdads were. I duly put on an episode of Meaningful Money and rested my eyes. As an African woman, the wisdom of additional parents is always welcome. From that moment on, you have been known as "the two stepdads" in our house. Heather KW 40:43  Question 6 Hi Pete and Roger, Firstly, I love the show - it has been transformative for me and my family! I'm looking ahead to retiring in a few years and have a drawdown question for you.  I anticipate that I will have a £600,000 pension pot and want to check whether my understanding of the withdrawal strategy is correct. Here's what I'm hoping to do: Take £30,000 of taxable income in each of the first two years before the state pension kicks in. In year 1, I also want to spend £100,000 to buy a lifetime annuity. Critically, I want to preserve all of my tax free cash at this point - so the £30k income would be taxable (and I assume that the annuity purchase is not-taxable as the income from it is). Then, at the start of Year 2, I want to take the 25% tax-free cash (say £150,000) in one go and use it to move house. After that, I would draw £20,000 a year of taxable income from the remaining pot forever (not relevant to the question, but I thought it would make the question make more sense). My understanding is that this can be done by partially crystallising only the amounts needed in Year 1 and leaving the rest of the pot uncrystallised so that the full 25% tax‑free cash is available for use in year 2.  I also understand that this is not UFPLS - just regular crystallisation. A bonus question if you have time - I assume that the income drawn in year 1 will generate 25% tax free cash - can I just leave this in my drawdown account to be used in year 2 (to contribute towards the full tax free amount) or I have to take it out? Could you confirm whether my understanding here is correct, and whether most pension providers (for example Standard Life or Vanguard) allow this kind of phased crystallisation and delayed tax‑free cash?  Sorry, I find crystallisation very confusing! Thanks very much - absolute legends the both of you (and the teams behind you)! James (your number 1 fanboy).

Negative gearing on established homes has just been abolished. The capital gains tax discount you've relied on for twenty years has been rewritten.   And somewhere between the government's press conference and the Treasury modelling, a trillion dollars in debt got added to the tab for a generation that hasn't even been asked if they're willing to pay it.   So here's the question I want to answer for you today. If you're a property investor, a business owner, or someone who just wants a comfortable retirement, what do the next three years actually look like for you?   By the end of this episode, you'll know exactly what the man leading the opposition to these changes thinks should happen instead.   You'll know whether a change of government would genuinely wind back negative gearing and CGT reform, or whether that's politically unrealistic once the changes are locked in.    And you'll understand where the real blame sits for the property market slowdown, because it's not as simple as the headlines make out.   My guest today is the Hon Tim Wilson, the Federal Member for Goldstein and Australia's Shadow Treasurer and in this episode I'm speaking with him about what the recent tax and housing changes mean for property, business, and retirement outcomes.   We unpack how government debt, rising taxes, and weaker private investment are reshaping Australia's economic outlook.   Tim explains why policy uncertainty is damaging confidence for property investors, business owners, and overseas capital.   We discuss how changes to negative gearing, capital gains tax, and trusts could lift rents and deter new housing supply.   We also explore why a growth-focused, small-business-led economy is, in Tim's view, the best path forward.   Takeaways    • Government debt today becomes tomorrow's taxes, squeezing household spending and future investment choices. • Inflation erodes living standards by lifting supermarket prices while wages and productivity struggle to keep pace. • Public-sector job growth can crowd out private enterprise, weakening long-term economic resilience and innovation. • Higher taxes on property investment reduce rental supply, pushing rents upward for tenants. • Tax changes that hurt housing feasibility discourage builders, slowing new dwelling construction across the market. • First-home buyer schemes can unintentionally inflate entry-level prices by boosting demand faster than supply. • Retrospective rule changes destroy investor confidence, making long-term capital allocation far riskier. • Trust tax reforms may trigger costly restructures, wasting time and money across the economy. • Prioritising super over home ownership delays deposits, family formation, and wealth-building for younger Australians. • Small businesses drive productivity and hiring, so backing them supports broader economic growth and opportunity.   Links and Resources:   Answer this week's trivia question here - https://www.propertytrivia.com.au/ ·        Win a hard copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time. ·        Everyone wins a copy of a fully updated property report   Michael Yardney – Subscribe to my Property Update newsletter here.   Get the team at Metropole to help build your personal Strategic Property plan. Click here and have a chat with us.     Hon Tim Wilson – Shadow Treasurer https://www.aph.gov.au/Senators_and_Members/Parliamentarian?MPID=IMW   Get a bundle of eBooks and Reports at: www.PodcastBonus.com.au   Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.   About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia   The Michael Yardney Podcast is one of Australia's leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.   Each week we explore: • Australian property market updates • Property investment strategies in Australia • Melbourne property market trends • Sydney property market forecasts • Brisbane property investment opportunities • Capital growth property strategies • Property cycles in Australia • Negative gearing and tax strategy • Interest rates and their impact on property • Buyer's agent insights and investment planning   If you're serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.   Learn more at:https://propertyupdate.com.auhttps://metropole.com.au

– What if I just want to preserve my purchasing power? – Should losses be indexed for CGT purposes? – What about staging CGT discounts over time? – How do I avoid losing money to bad governance?See omnystudio.com/listener for privacy information.

durée : 00:02:57 - Le 6/9 de l'été - Syndicat et patronat, à l'exception de la CGT, ont signé un document en ce sens. Mais ils n'avaient pas vraiment le choix... Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

For a generation, Australian investors were advised to hold their investments until they retired. Then once they entered tax-free retirement, they could largely sidestep CGT tax. This central plank of financial advice is finished: Every retiree will now pay a minimum 30 per cent tax and nobody will escape.Dr Adrian Raftery, author of '101 ways to save money on your tax - legally' joins Associate Editor, James Kirby in this episode. In today's show, we cover: The shock change to investor retirement benefits How the CGT new minimum rate is the sleeper issue for long-term investors Examining how tax planning must reflect the wider budget changes My shares have gone to zero - can I claim a tax loss? See omnystudio.com/listener for privacy information.

On The Money Café this week, Stephen Mayne and James Thomson discuss the World Cup, China's latest AI play, Macquarie's upcoming AGM, director workloads, and answer listener questions on CGT changes and housing, data centres, diversification, the green economy and much more.See omnystudio.com/listener for privacy information.

In a follow up of episode 182, James Ridley is joined again by Ben Turner from Atlas Tax to unpack a counterintuitive twist in the new rules. While episode 182 covered the bad news i.e. expats with any period of foreign residency losing access to indexation from 1 July 2027, this episode reveals a quirk that could leave some expats better off than Australians who stayed resident the whole time. Ben explains how the 50% CGT discount, apportioned for periods of non-residency, remains intact even as indexation is stripped away, why this may be an unintended consequence of rushed legislation, and walks through a real example showing just how significant the tax saving could be. The episode wraps with a Q&A on what to watch for as these rules continue to evolve before 2027. Relevant Links: • Upcoming events and webinars - https://atlaswealth.com/events/ • Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum
 • Expat Mortgage Podcast – atlaswealth.com/news-media/austra…-mortgage-podcast
 • Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below. About Atlas Wealth Group: Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you're based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey. To learn more, visit www.atlaswealth.com Connect with us: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-management X: www.x.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthgroup Youtube: www.youtube.com/atlaswealthmgmt

Simon examines the critical rumours surrounding potential capital gains tax (CGT) increases that could see rates climb from 18% and 24% up to a staggering 40%, 45%, or even 50% under a new government regime.  While these looming tax hikes have many landlords feeling the pressure ahead of the October 2026 budget, Simon explains why this creates an unprecedented "summer of deals" for proactive investors KEY TAKEAWAYS Rumored tax changes could align capital gains tax directly with income tax rates, significantly penalising higher-rate taxpayers after the October 2026 budget. The threat of upcoming tax changes gives investors a powerful window of opportunity because capital gains tax is only triggered upon the actual sale of an asset. Utilising bridging finance can dramatically speed up property transactions, allowing you to secure discounted deals before new tax laws take effect. Implementing vendor finance structures allows you to buy properties at full asking price without using your own money, while simultaneously helping the seller minimise their impending tax liabilities. BEST MOMENTS "The Labour government policy is let's tax the people with the broadest shoulders and obviously, that means wealthy people, people with assets."  "Whether they change the tax rates or not, that doesn't matter. The perception is there is a risk, there is a chance that this could happen."  "Right now, literally right now, is such a good time for you to be looking for deals because there really is not much competition."  "It's all about seizing this opportunity. I want to encourage you to do that while everyone else is sleeping." VALUABLE RESOURCES To find your local pin meeting visit: ⁠www.PinMeeting.co.uk⁠ and use voucher code PODCAST to attend you first meeting as Simon's guest (instead of paying the normal £20). Contact and follow Simon here: Facebook: ⁠http://www.facebook.com/OfficialSimonZutshi⁠ LinkedIn: ⁠https://www.linkedin.com/in/simonzutshi/⁠ YouTube: ⁠https://www.youtube.com/SimonZutshiOfficial⁠ Twitter: ⁠https://twitter.com/simonzutshi⁠ Instagram: ⁠https://www.instagram.com/simonzutshi/⁠ Simon Zutshi, experienced investor, successful entrepreneur and best-selling author, is widely recognised as one of the top wealth creation strategists in the UK. Having started to invest in property in 1995 and went on to become financially independent by the age of 32. Passionate about sharing his experience, Simon founded the property investor's network (pin) in 2003 ⁠www.pinmeeting.co.uk⁠   pin has since grown to become the largest property networking organisation in the UK, with monthly meetings in 50 cities, designed specifically to provide a supportive, educational and inspirational environment for people like you to network with and learn from other successful investors. Since 2003, Simon has taught thousands of entrepreneurs and business owners how to successfully invest in a tax-efficient way.  How to create additional streams of income, give them more time to do the things they want to do and build their long-term wealth. Simon's book “Property Magic” which is now in its sixth edition, became an instant hit when first released in 2008 and remains an Amazon No 1 best-selling property book. Simon launched his latest business, ⁠www.CrowdProperty.com⁠, in 2014, which is an FCA Regulated peer to peer lending platform to facilitate loans between private individuals and property professionals. This Podcast has been brought to you by Disruptive Media. ⁠https://disruptivemedia.co.uk/

Alors que l'Iran a annoncé ce dimanche (12 juillet 2026) la fermeture du détroit d'Ormuz « jusqu'à nouvel ordre », des milliers de marins se retrouvent piégés au cœur du conflit. Selon l'Organisation maritime internationale, près de 6 000 membres d'équipage sont toujours bloqués dans le golfe Persique, sans possibilité de quitter la zone en toute sécurité. Après l'accord entre Washington et Téhéran, une vaste opération d'évacuation avait pourtant permis de mettre à l'abri près de 2 900 marins. Mais avec la reprise des hostilités, l'opération est désormais suspendue. Quel sort est réservé à ces marins coincés en mer ? Dans quelles conditions vivent-ils ? Avec Emmanuel Chalard, secrétaire général de la Fédération CGT des officiers de la marine marchande.   

Recarga Activa, como todo lo que hacemos en AnaitGames, existe gracias al apoyo de la comunidad. ¿Te gusta lo que hacemos? Suscríbete en Patreon y te llevas todo lo que hacemos, sin anuncios, con acceso anticipado y formatos exclusivos. Más información en ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.patreon.com/anaitreload⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ * * * Bienvenidas y bienvenidos a Recarga Activa, el podcast diario de AnaitGames en el que filtramos lo más relevante de la actualidad del videojuego en pildorazos de 15 minutos. Estos son los titulares de hoy: id Software asegura que seguirá haciendo juegos mientras el sindicato de Bethesda anuncia protestas para esta semana CGT convoca tres días de huelga en Ubisoft Barcelona Lanzamientos de la semana ♫ Sintonía del programa: Senseless, de Johny Grimes Learn more about your ad choices. Visit megaphone.fm/adchoices

With regular #ExpatChat host Brett Evans away, James Ridley, Atlas Wealth Managing Director (APAC), is joined by cross-border financial planning specialist Shaun Fairon for a listener Q&A special. They cover the questions expats ask most: establishing genuine non-resident status, HECS/HELP repayments while overseas, the new Division 296 super tax, SMSF risks for expats, CGT traps on selling a former family home, the 15% foreign resident withholding tax on property sales, and strategies for managing currency risk when transferring money internationally. Relevant Links: • Upcoming events and webinars - https://atlaswealth.com/events/ • The Expat's Handbook now available - atlaswealth.com/resources/the-exp…working-overseas/ • Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum• Ask Atlas – Submit your questions for the podcast: atlaswealth.com/news-media/austra…ian-expat-podcast • Expat Mortgage Podcast – atlaswealth.com/news-media/austra…-mortgage-podcast • Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below. About Atlas Wealth Group: Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you're based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey. To learn more, visit www.atlaswealth.com Connect with us: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-management X: www.x.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthgroup Youtube: / atlaswealthmgmt

durée : 00:15:01 - Le journal de 18h00 - 71 départements seront en vigilance orange canicule et 9 en rouge demain. Face à ces épisodes de chaleur extrême qui se multiplient, la CGT réclame un plan canicule d'urgence pour protéger les salariés des secteurs les plus exposés, comme le BTP, la santé, l'énergie ou les transports. - équipe : La Rédaction de France Culture, Caroline Bennetot Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

durée : 00:15:01 - Les journaux de France Culture - 71 départements seront en vigilance orange canicule et 9 en rouge demain. Face à ces épisodes de chaleur extrême qui se multiplient, la CGT réclame un plan canicule d'urgence pour protéger les salariés des secteurs les plus exposés, comme le BTP, la santé, l'énergie ou les transports. - équipe : La Rédaction de France Culture, Caroline Bennetot Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Your staking rewards are being taxed twice.When you receive staking rewards (ADA, ETH, SOL, etc.), the ATO treats them as ordinary income at the point you receive them. Then, when you later sell or dispose of those assets, you pay capital gains tax on the profit.In this episode, we break down exactly how the ATO views staking rewards, airdrops, and DeFi transactions, why many people are only reporting half the story, and what the new 2027 CGT rules will change.We also cover:- How the ATO's data matching program works- Why airdrops have zero cost basis- Why wrapping assets in DeFi counts as a disposal- What you need to start tracking nowThis is educational content only — not financial or tax advice. Always consult a qualified accountant for your personal situation.0:00 Intro & Hook1:50 Staking Rewards Taxed When Received4:30 CGT When You Later Sell7:15 ATO Data Matching Program10:10 Airdrops & Zero Cost Basis11:40 Key Takeaways & Wrap UpReferences:ATO Guidance on Staking Rewards and Airdrops:- https://link.learncardano.io/FqFj1tHow to work out CGT of Crypto:- https://link.learncardano.io/E5WvMt- https://link.learncardano.io/AIorOiCrypto Data Matching Protocol:- https://link.learncardano.io/7wvlx5Crypto asset as an investment:- https://link.learncardano.io/4fnY3P- https://link.learncardano.io/GmSplqATO Tax reform:- https://link.learncardano.io/wUYTikTreasury budget 2026-2027:- https://link.learncardano.io/JJ1cWB

durée : 00:42:00 - Le téléphone sonne - Face aux vagues de fortes chaleurs qui déferlent sur la France ces dernières semaines, la CGT plaide pour une nouvelle législation en faveur de la protection des salariés au travail. Mais comment envisager l'adaptation du travail au changement climatique ? - équipe : Philippe Lefébure, Christelle Rebière, Thomas Lenglain, Pierre Dessertenne, Mathias Dubois, Baptiste Piquée - invités : Ziad Touat Consultant en gestion de crise chez Chapsvision, Virginie Neumayer Membre de la direction confédérale de la CGT, Vincent Mandinaud chef de projet R&D pour l'ANACT et expert pour l'ANSES Vous aimez ce podcast ? Pour écouter tous les épisodes sans limite, rendez-vous sur Radio France

Adam and Adir discuss London’s heat wave, Victoria’s crime wave, Labor’s housing mess, the world’s most profitable companies, Nvidia and the AI bubble, remote work, Canva vs Figma, Koala, SkinKandy, The Man Shake and the latest Corporate Travel disaster. 00:00 - London's Heat Wave06:00 - Victoria's Crime Wave and the Housing Debate14:00 - The 30 Most Profitable Companies23:00 - The AI Bubble, Nvidia and the $7 Trillion Question44:00 - CGT, Capitalism and Labor's Budget Backlash54:00 - Remote Work, Gen Z and Canva's Office Crackdown1:05:01 - Koala, SkinKandy and the ASX IPO Problem1:10:00 - Man Shake1:20:00 - Corporate Travel's Latest Disaster Join us on Substack for articles, news and more: https://www.thecontrarianspod.com/See omnystudio.com/listener for privacy information.

In Episode 3 of Tax Talks, Andrew Henshaw, Rajan Verma and special guest Nick Schaeffer (Partner, PGP Consulting) unpack the biggest Australian tax developments affecting accountants, advisers and business owners. Topics include the High Court's landmark Bendel decision on Division 7A and unpaid present entitlements (UPEs), the latest Federal Budget tax measures, Victoria's updated trust duty guidance, significant payroll tax developments, residency and CGT cases, and what practitioners should be preparing for in the new financial year. In this episode: Bendel: What the High Court decision means for Division 7A, UPEs and trust distributions. The ATO's Decision Impact Statement and practical implications for advisers. Federal Budget updates, including changes to CGT, negative gearing, SMSF borrowing arrangements and innovative business concessions. Victorian trust variation guidance and stamp duty risks. Payroll tax grouping and degrouping developments following the Winya decision. Residency, hardship and payroll tax cases every adviser should know. Practical tax planning considerations for FY2026 and beyond. Whether you're a tax adviser, accountant, business owner or legal professional, this episode delivers practical insights into the latest tax developments and how they may affect your clients and practice. Topics: Division 7A, Bendel, UPEs, Small Business CGT Concessions, Payroll Tax, Trusts, SMSFs, Tax Residency, Victorian Stamp Duty, ATO Updates, Tax Planning, Australian Tax Law, Accountants, Tax Practitioners, Federal Budget, Tax Talks Australia.

– The pollies aren’t as bad as you say! – Where is the American tipping point? – How can ‘grandfathering’ be fair? – Is more CGT on shares really helping housing affordability?See omnystudio.com/listener for privacy information.

Australia's capital gains tax landscape just shifted, and if you're an expat, the details matter more than ever. In this episode, Atlas Wealth Group's James Ridley (MD, APAC) sits down with Ben Turner (MD, Tax) to unpack the CGT indexation bill that passed both houses of parliament on 26 June 2025, and what it means for Australians living or working overseas. From 1 July 2027, the long-standing 50% CGT discount will be replaced by inflation indexation — but there's a critical catch. To qualify, you must never have been a foreign or temporary resident at any point during the asset's testing period. One day offshore can disqualify you from indexation on the entire asset, with no apportionment. Relevant Links:
 • Upcoming events and webinars - https://atlaswealth.com/events/
 • The Expat's Handbook now available - atlaswealth.com/resources/the-exp…working-overseas/
 • Facebook Group – Join the Australian Expat Financial Forum: facebook.com/groups/AustralianExpatFinancialForum
• Ask Atlas – Submit your questions for the podcast: atlaswealth.com/news-media/austra…ian-expat-podcast
 • Expat Mortgage Podcast – atlaswealth.com/news-media/austra…-mortgage-podcast
 • Weekly Recap Podcast – atlaswealth.com/news-media/atlas-…kly-recap-podcast If you enjoy the content, let us know by giving the episode a thumbs up and subscribing. Feel free to share your feedback or questions in the comments below. About Atlas Wealth Group:
 Atlas Wealth Group was established to meet the growing demand from Australian expats for professional financial guidance. We specialise in providing tax, financial planning, wealth management, and mortgage services to Australian expats around the world. Whether you're based in Asia, the Middle East, Europe, or the Americas, our team has the expertise to help you manage your global financial journey. To learn more, visit www.atlaswealth.com Connect with us:
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We love to hear from our listeners. Send us a message.Episode 132 of Cell & Gene: The Podcast features Host, Erin Harris' conversation with Diakonos Oncology's President and COO, Jay Hartenbach. Together, they explore how the company is advancing a patient-derived dendritic cell therapy designed to generate a stronger immune response against difficult-to-treat solid tumors, including glioblastoma, pancreatic cancer, and refractory melanoma. Their discussion also covers early clinical signals, outpatient administration, and the manufacturing and automation steps needed to make personalized cell therapies more scalable for broader CGT audiences.Subscribe to the podcast!Apple  |  Spotify |  YouTubeVisit my website: Cell & GeneConnect with me on LinkedIn

Sweeping changes to Capital Gains Tax, Negative Gearing and Self-Managed Super Funds are confronting investors. How will they affect you? Stuart Wemyss from the ProSolution Private Clients group joins associate editor, James Kirby on this episode of the Money Puzzle podcast. In today's special episode, we cover: How will the CGT changes work? Winners and losers in negative gearing Getting around the SMSF borrowing ban How a tiny government pension can offer a big tax break See omnystudio.com/listener for privacy information.

Australia's capital gains tax rules are changing from 1 July 2027, and the shift could matter for anyone holding crypto, shares, property or other investment assets. In this episode, Peter walks through what is changing, why the government is making the change, and how the move from the 50% CGT discount to indexation plus a 30% minimum tax floor may affect Australian crypto investors.The episode covers the current CGT treatment for crypto, how long-term holders currently access the 50% discount, what the new indexation model is designed to do, and why the transition period could create messy gain-splitting calculations for assets held before and after 1 July 2027. It also looks at practical planning conversations to have with an accountant, including whether to realise gains before the cutoff, hold through the change, borrow against assets, or explore superannuation structures.This content is general education only and is not financial, legal or tax advice. Speak with a qualified accountant or financial adviser before making decisions about selling, restructuring or borrowing against crypto assets.Key Takeaways:- The current 50% CGT discount for assets held longer than 12 months is being replaced by an indexation-based approach from 1 July 2027.- The new system includes a 30% minimum tax floor on real capital gains, which may affect investors differently depending on their marginal tax rate.- Crypto remains subject to standard CGT rules, including disposals triggered by selling, swapping, gifting, converting to fiat or spending crypto.- Assets held before 1 July 2027 and sold after that date may require gains to be split between the old and new systems.- The change may create planning decisions for long-term crypto holders who already have unrealised gains.- Some investors may consider realising gains before the cutoff, while others may prefer to hold and accept the new treatment.- Borrowing against assets and self-managed super fund structures are discussed as options to raise with a qualified adviser.- The episode strongly emphasises getting personal tax advice before making any CGT-related decisions.Links & References:- Tax reform bill passes the Parliament: https://link.learncardano.io/HfEtiC- Greens back CGT, negative gearing changes in return for extended NDIS inquiry, end to super loophole - ABC News: https://link.learncardano.io/SQig5Z- Federal Budget 2026–27 | Insight | Baker McKenzie: https://link.learncardano.io/G6bprx- Federal Budget Analysis 2026 | Capital Gains Tax - William Buck Australia: https://link.learncardano.io/m8W6Ox- https://link.learncardano.io/LXjMqw- https://link.learncardano.io/E5WvMt- https://link.learncardano.io/CEFrM5Website: https://link.learncardano.io/bQ68RcX/Twitter: https://link.learncardano.io/3a1QtvDisclaimer: This content is for educational purposes only. Nothing constitutes financial advice.DISCLAIMER: This content is for informational and educational purposes only and is not financial, investment, or legal advice. I am not affiliated with, nor compensated by, the project discussed—no tokens, payments, or incentives received. I do not hold a stake in the project, including private or future allocations. All views are my own, based on public information. Always do your own research and consult a licensed advisor before investing. Crypto investments carry high risk, and past performance is no guarantee of future results. I am not responsible for any decisions you make based on this content.

This weeks AI slop is brought to you by GLM 5.1 - a weird model I have never heard of before. Funnily enough, it kinda all sounds the same at this point. Still, half decent job I think. Episode 162 covers a sweeping range of domestic and international news. The budget has cleared the Senate with Greens amendments on NDIS oversight and the blocking of superannuation for housing purchases, while the opposition fumbles its response. Property markets are feeling the chill, with auction clearance rates down and investors spooked by negative gearing changes. In the UK, Keir Starmer has resigned after a failed premiership -- described by one BBC journalist as someone utterly disinterested in the basic skills of leadership -- and Andy Burnham looks set to take over, with market jitters already building around the prospect of Ed Miliband as Chancellor. The Iran memorandum of understanding gets a sceptical examination: it is little more than an agreement to talk, bought by a Trump administration desperate for a pre-midterm win. Meanwhile, US missile stockpiles are running critically low, with an $80 billion replenishment request and a $1.5 trillion total defence budget underscoring the cost of recent conflicts. Back home, One Nation's push for a "monoculture" and forced property sales for permanent residents gets a thorough dismantling, and the global football World Cup, Carlton's AFL resurgence, and England's cricketing woes round out the show.00:25 - Welcome and episode introduction; Hong Kong Jack checks in from a sweltering Hong Kong, discussing the annual exodus of expats on business-class contracts.01:50 - Ukraine's stunning military comeback: a single bridge now links Russia to Crimea, with the rest of claimed territory back in Ukrainian hands.02:38 - The budget passes the Senate. Greens wring concessions on NDIS oversight and block the use of superannuation for housing, but Hong Kong Jack notes the Greens have only agreed to extend the committee talking about the NDIS, not to the measures themselves.04:26 - The opposition's disastrous budget response. Dennis Shanahan's brutal assessment: Angus Taylor was handed a penalty shot with a prone goalkeeper and still missed. Toxic taxes, dangerous deals -- the alliteration that murdered a political attack.07:00 - Tax reform legislation passes the House: the 250 Working Australians Tax Offset, staged tax cuts, and early moves on CGT and negative gearing. But certainty is in short supply -- investors and superannuants are left wondering what the final rules will actually look like.08:31 - Two core failures of the budget: it does almost nothing for growth, and the consequences were not properly thought through.10:01 - Fuel excise suspension: a temporary reprieve, but as electric vehicles soak up 20% of the market and pay zero road tax, a new user-pays model is inevitable. Logbooks, GPS tracking, or something uglier?13:26 - Budget benefits feel distant to renters and the young, while the property market cools. Auction clearance rates have dropped to roughly 50%.16:58 - Negative gearing changes from July 2027: anecdotal evidence suggests investors are already looking to offload. The Treasury forecasts around 2% growth in residential property, but Hong Kong Jack argues a 5-10% drop is politically survivable for most homeowners.18:27 - Teaser for next episode: US congressional stock-picking, Trump and Putin, and broader corruption in public office.18:45 - UK politics. Keir Starmer resigns as Prime Minister -- the seventh PM in ten years. A devastating BBC assessment: "In all my years covering politics, I have never met anyone so lacking in an interest in the skills a leader needs."20:50 - Starmer's fatal flaw: like Kevin Rudd, he governed without the permission of his parliamentary party. He was dismissive of the collegiality Westminster democracy demands.22:57 - Starmer did not go to the palace -- he phoned in his resignation. Hong Kong Jack notes the contrast with Boris Johnson and Liz Truss making the journey to Balmoral.24:12 - Andy Burnham looks certain to become PM, with rivals bought off with portfolios. But if Ed Miliband is appointed Chancellor, bond markets could punish the UK hard.26:00 - UK gilt yields at 6%. The debt interest bill is enormous, and Burnham has not put forward a single policy for reducing government spending or creating growth.26:35 - Burnham's policies: incremental re-nationalisation of railways, and nationalising water services -- requiring massive compensation payments. Not one word on spending reduction.28:59 - Brexit has not delivered. The "Singapore of Europe" model that could have worked was never pursued. Instead, it has destabilised the UK politically and socially.32:06 - The political class resisted what voters wanted on Brexit. That disconnect with the electorate has still not been healed -- the rise of Reform is the evidence.33:47 - Burnham says this is Labour's last chance. Jack the Insider sees potential party fracture; Hong Kong Jack is not convinced it is the death of Labour.38:12 - Did Russia influence Brexit? Jack the Insider argues foreign interference at least played a role; Hong Kong Jack insists it was a genuine grassroots movement.38:56 - Grassroots movements are easily astroturfed. "You can take it to the bank that Putin is having a good old giggle about Brexit."40:50 - Iran and the Strait of Hormuz. Iran threatened closure but CENTCOM reports the waterway remains open, albeit not operating normally.42:10 - The Iran MOU gives Trump the political fix he needs before midterms. Approval ratings have cratered to 30%.43:32 - The MOU is merely an agreement to sit down and talk. Nothing in it is guaranteed to appear in a final deal.44:49 - US missile stockpiles: Pete Hegseth requests $80 billion just to replenish. The US fired 130-250 SM-3 interceptors at $28.7 million each, up to 290 THAAD interceptors at $15.5 million each, and over 1,000 Tomahawk cruise missiles.47:58 - The conflict cost $29 billion in direct expenditures, exposing massive supply chain bottlenecks. The Trump administration now requests a staggering $1.5 trillion total defence budget for FY2027.49:12 - Military innovation Supercharges after conflict: drones, shoulder-fired interceptors, and cheaper alternatives to expensive missile defence systems.50:51 - Spending 3% of GDP on defence is fine in principle, but Australia has wasted enormous sums over decades. The money must be spent better.52:54 - Monoculture. Following Pauline Hanson's National Press Club speech, a deep dive into what "monoculture" actually means -- and whether it means anything at all.54:42 - Denmark's integration model: language tests, employment self-sufficiency periods, civic knowledge programs. Denmark insists migrants become Danish before gaining permanent status.55:41 - Europe's weakness: no pathway to become truly French or German. Turkish guest workers from the 1950s remain Turkish guest workers. Australia's approach has been different.56:32 - One Nation's policy would create tiers of Australians. The proposal to force permanent residents to sell their homes is legally questionable and politically volatile.59:04 - Can the High Court block forced property sales? Hong Kong Jack thinks it probably would not intervene. Jack the Insider sees ugliness: bailiffs at doors, fire sales of homes.01:01:35 - The distinction between permanent residents and citizens: most PR holders see it as a stepping stone to citizenship, but 5-6 year citizenship processing backlogs trap people in between.01:04:06 - Foreign Investment Review Board restrictions already limit student visa holders to properties capped at roughly $1-1.5 million, with mandatory sale within three years of departure.01:07:26 - The monoculture idea cannot work. You cannot have immigration and monoculture simultaneously.01:08:14 - Australian multiculturalism is fundamentally different to the European model that Merkel, Cameron, and Sarkozy all declared a failure in 2015.01:08:57 - One Nation's rise warrants closer examination of where the money and promotion are coming from. Teased for next episode.01:10:45 - Barbecue culture: the undeniable truth that four pints while barbecuing is perfectly acceptable, and Australian outdoor kitchens have reversed the old pattern -- cooking outside, bathroom inside.01:13:46 - FIFA World Cup. Australia's T20 series win over Bangladesh passes almost unnoticed.01:15:12 - 40,000 Colombians in Australia celebrating their team. The ABC tracks down Cape Verde's diaspora -- 20 people in Australia -- including a centre-back who got his international call-up via LinkedIn.01:16:36 - Australia vs Paraguay: a win guarantees progression. The entire nation may stop working at 1:30pm.01:18:27 - A blunt assessment of Australia's performance against the USA: 65% possession for the opposition, very shaky with the ball.01:18:47 - Netherlands looking the strongest at the tournament. Brazil, Switzerland, Norway, and Argentina all impressing.01:20:32 - Erling Haaland's charming post-match interview: "We have France next and they'll probably beat us, but then they'll probably go all the way and win the World Cup."01:22:39 - Rugby Union: is the death of Australian rugby overstated? Ticket sales for the Rugby World Cup are booming at 650,000, but Super Rugby is in decline and may not survive in its current format.01:24:39 - Anti-siphoning laws and the shifting broadcast landscape as telcos muscle into sports rights.01:26:06 - Carlton's extraordinary AFL season: won one, lost eight, sacked the coach, won five straight under an interim. Six players aged 21 or younger, two of them 18. Patrick Cripps is rattling up Brownlow votes.01:27:22 - Harry Dean should win the Rising Star. The forward line works without a monster key forward.01:30:06 - Wade Dirk, the rookie from Darwin, holds Jesse Hogan to one goal while getting 20 touches himself.01:30:52 - Fremantle look the best side in the competition. Buddy Franklin still tips Brisbane.01:31:58 - Collingwood: marking time. The senior champions are still carrying the side while the next generation struggles.01:33:14 - Ben Stokes recalled to the England cricket side -- essentially picked because he is captain. England thrashed by 253 runs by New Zealand at the Oval.01:35:22 - Gideon Ha's devastating summary of England's Oval test: "England hit bottom, keep digging. Five changes, two blokes unavailable because they were on the piss, one bloke out because his wife was pregnant, old stager as emergency captain, no spinner, a backstop as keeper, and four number 11s."01:36:26 - If England lose at Trent Bridge next week, there will be hell to pay. An Ashes tour looms next year.

工黨同意取消使用自我管理的退休公積金 (SMSF) 購買投資物業，可獲得「稅務優惠」後，綠黨同意支持政府對負扣稅及資本增值稅 (CGT) 的稅改法案，預計法案在明天 (6 月 25 日) 參議院可獲得通過。

Tax. You’ll do it “later”, right? Famous last words, my friends. This week’s Deep Dive is here to save your EOFY by giving you a laundry list of things to consider ahead of June 30. Whether you’re employed, a side-hustler or a sole trader, Victoria and Jess have gathered their recommendations for approaching the new financial year with confidence – and they’ve got the receipts to prove it. They’ll cover the latest changes to CGT, including how and when it might impact your investments, as well as immediate considerations if you’ve been worried about your accounting habits. From claims, offsets, salary sacrificing, BAS, GST, and tax brackets to defining what really makes your hobby a business, tune in for answers to those tax questions that you were too embarrassed to ask your accountant (again). This episode is brought to you by Hnry, Australia’s largest tax automation and accounting service, just for sole traders. Head to hnry.com.au to never think about tax again. READ THE BUSINESS BIBLE: Have questions about starting or running your business? VD wrote a whole (award-winning) book on this topic called The Business Bible: How to build a successful business – and a life you love. CONSIDERING A PIVOT: Grab a copy of our Career Pivot Guide over here. MAX YOUR TAX: Want more ways to maximise your tax return? Tune into this playlist. ASK THE ATO COMMUNITY: Have a specific tax question or need something niche explained by someone who’s been there before? Check out the ATO Community (https://community.ato.gov.au/s/). New here? Follow us on Instagram (@shesonthemoneyaus) for Q&As, bite-sized advice, daily money inspo... and relatable money memes that just get you. Acknowledgement of Country By Nartarsha Bamblett aka Queen Acknowledgements (nartarshabamblett.com.au) The advice shared on She's On The Money is general in nature and does not consider your individual circumstances. She's On The Money exists purely for educational purposes and should not be relied upon to make an investment or financial decision. If you do choose to buy a financial product, read the PDS, TMD and obtain appropriate financial advice tailored towards your needs. Victoria Devine and She's On The Money are authorised representatives of Money Sherpa PTY LTD ABN - 321649 27708, AFSL - 4451289See omnystudio.com/listener for privacy information.

A belated post this week, but our Property Insider goes all in on the question of what a property crash is, we discuss the Green/Labour agreement on the CGT and our normal in-depth review of the numbers. If you are buying your home in Sydney's contentious market, you do not need to stand alone. This … Continue reading "It’s Edwin’s Monday Evening Property Rant!"

Already reeling from a lift in CGT tax and a ban on negative gearing for existing properties, the Government is set to give the property market one last punch with a looming ban on borrowing inside Self Managed Super Funds. Beau Arfi of the Maple Property Group joins Associate Editor James Kirby in this episode. In today's show, we cover: Not finished with you yet - investors prepare for SMSF property clampdown How the SMSF ban creates another privileged set of investors Moving offshore - Why this property professional is switching attention to NZ Deducting your body corporate fees See omnystudio.com/listener for privacy information.

The government announces a CGT carve-out, dissecting Pauline Hanson's National Press Club address. Plus, the quality of education is declining in Victoria.See omnystudio.com/listener for privacy information.

We love to hear from our listeners. Send us a message.For episode 131 of Cell & Gene: The Podcast, we're sharing a recent "Better Biopharma" roundtable that Erin Harris had the opportunity to join alongside her Life Science Connect editorial colleagues. Hosted by Tyler Menichiello, this conversation brings together chief editors from across the Life Science Connect network to take a midyear look at what's shaping the pharmaceutical and biotech landscape in 2026. Featuring perspectives from Katie Anderson, Jeff Buguliskis, Ben Comer, Ray Dogum, Rachel Grabenhofer, Dan Schell, Anna Rose Welch, and Harris, this is a valuable listen for anyone looking to better understand where the industry is headed, and how CGT fits into that broader trajectory. https://www.bioprocessonline.com/solution/better-biopharmaSubscribe to the podcast!Apple  |  Spotify |  YouTubeVisit my website: Cell & GeneConnect with me on LinkedIn

The federal government has announced significant carve-outs to the capital gains tax reforms announced in the May budget. US and Iran have signed a 14 point memorandum of understanding that requires an immediate and permanent end to hostilities between the two countries - and in Lebanon. There has been heavy criticism of Pauline Hanson's comments about the media and individual journalists during her first National Press Club address in Canberra. News from today's live program (1-2pm). - アルバニージー豪首相がャピタルゲイン税（CGT）の改正で、スモールビジネスの支援などを目的にした大幅なカーブアウトを発表しました。米国とイランが、戦闘の終結に向けて合意した14項目の覚書に署名しました。ワン・ネーションのハンソン代表が、ナショナル・プレスクラブで初めて行った演説をめぐり、メディアやジャーナリストについての発言が強く批判されています。2026年６月18日放送。Listen to SBS Japanese Audio on Tue, Thu and Fri from 1pm on SBS 3.Replays from 10pm on Tue, Thu and Sat on SBS1.Listen to past stories from our podcast. Download the free SBS Audio App and don't forget to visit SBS　Japanese Facebook and Instagram page! - SBSの日本語放送は火木金の午後１時からSBS3で生放送！火木土の夜10時からはおやすみ前にSBS1で再放送が聞けます。SBS日本語放送ポッドキャストから過去のストーリーを聞くこともできます。無料でダウンロードできるSBS Audio Appもどうぞ。SBS 日本語放送のFacebookとInstagramもお忘れなく。

In this UK personal finance Q&A, Pete and Roger tackle six listener questions covering pensions, investing, tax and money mindset. We discuss whether high earners should ever consider opting out of the NHS pension due to annual allowance tax, how to handle family gifts during divorce, and what to do about ERI on accumulating ETFs in a GIA. You'll also hear guidance on rebalancing after strong fund gains, rebuilding finances after an IVA, and investing a £350k inheritance with ISAs, SIPPs and premium bonds. Shownotes: https://meaningfulmoney.tv/QA52    01:34  Question 1 Dear Pete and Roger, Could you provide an opinion on if and when it would be worth at least considering leaving the NHS pension scheme due to tax reasons?  I can sense immediate puckering and this is not something I ask on a whim - I am aware of the comparative value of public sector DB pensions versus other retirement savings methods and indeed encourage the staff I work with to pay in.  I am a senior doctor in my 40s with high NHS earnings and rental income on top. I am one of those affected by Annual Allowance tapering and have significant AA tax bills every year with no end in sight. My projections are that I will have an annual AA tax charge of ~£30k every year going forwards as my income is pretty stable. The annual AA tax charge is up to 40% of the annual capital benefits accrued in any year (i.e. LTA calc of 20 times pension plus 3 times lump sum).  I pay this via scheme pays but the scheme pays loan docked from benefits at retirement is inflated at CPI+1.7% against pension benefits growth of CPI+1.5% from my own research. I don't expect much sympathy as a high earner but no-one wants to pay more tax than they have to and I never hear my situation talked about other than snippets in the depths of Reddit forums.  My plan is to keep ploughing on and engage a full-scale planning review when I turn 50 leaving up to 10 years to consider aversive action once my wife and I have 'enough' pension. Many thanks for your thoughts. David. 09:23  Question 2 Dear Pete and Roger, I want to say a big thank you for all of the guidance you provide, there really is nothing else like it and has been hugely beneficial in organising my finances. My question for you is how to structure gifts to someone who is going through the early stages of a divorce. My sibling is sadly in this situation and our mother is looking to make a sizeable gift to us following the death of our father. How should we be thinking about this and are there any vehicles or structures such as trusts that we could be using to avoid my siblings spouse from being entitled to half of the gift? Grateful for any guidance you can provide in this matter. Best regards, Alfred 13:12  Question 3 Hi, I have held several GIA accounts for many years and I hold accumulating ETFs within the GIAs. Occasionally, I have had to pay CGT through my self assessment when I have sold these ETFs. Mostly, I have always been a basic rate tax payer. I have recently discovered that HMRC requires Excess Reportable Income (ERI) to be declared on accumulating ETFs. In the case of ETFs which receive company dividends, this means I need to take note of the Reporting date of each ETF and add up all notional dividends as if they were paid on the distribution date (6 months later) and if over £500, I should have paid dividend tax on the excess. Also, in the case of some MMF ETFs I hold, these may have an ERI notional interest payment and this would count as being potentially subject to income tax. Since I have sold many of these ETFs and I have not subtracted the ERI amounts from my total gain, I have probably overpaid tax (CGT) rather than underpaid as a basic rate tax payer. However, if I was a higher rate tax payer, I would probably have been underpaying tax if I have not accounted for ERI. This is because the higher rate dividend tax is much higher than the CGT rate. I now understand that to avoid having to calculate ERI on accumulating ETFs each year and keep a running total for each one, most people simply buy distributing ETFs inside a GIA rather than accumulating ETFs and I am in the process of ensuring all my ETFs are the distributing kind inside my GIAs. Should I be concerned about ERI on my accumulating ETFs? Do accountants calculate ERI for their clients on all the accumulating ETFs they hold? If so, how do they do it as there does not seem to be any easy way? Do HMRC ever check that the ERI on accumulating ETFs has been declared (my guess is that they would only bother for high rate taxpayers with large ETF holdings)? How would HMRC even know that you hold large amounts of accumulating ETFs on which you should be declaring ERI? Why is it that hardly anyone seems to know about ERI on accumulating ETFs? 19:14 Question 4 Good morning both, I would like to start by thanking you for all your hard work over the past decade or so. I am a mid 40's year old woman who had no financial knowledge until about 2 years ago. I had a cancer diagnosis which led me to leave a very time consuming and stressful job and take over the family finances which had been neglected for the best part of 20 years. We are now in a much better position; we have filled our ISA's and that of our children, put more money into SIPP's (and opened one in my case) and opened junior SIPP's for the kids. Our mortgage is paid off too. I have listened to all your back catalogue and in some cases relistened to episodes which have been especially useful to our situation! Thank you. My question relates to funds that have done particularly well and what is best to do with them. Some of my earlier fund choices are showing gains of around 50%. This seems extraordinary to me and I am very happy with the return. My Dad (much more experienced who has been doing this for 50 odd years) tells me the best thing to do with these funds is to take out 50% of the gain and reinvest in a different fund. What would your advice be? Take out the whole lot and re-invest? Take out 50% and re-invest that as recommended by my Dad or leave the whole lot in and hope it continues to grow? For background, I am very happy with the gains but we are very much on a catchup programme as we have started so late. The sums involved are still quite small! The ultimate aim is for my husband to retire early. I hope to work again too at some point once all treatment is finished but only part time. I am so grateful for everything you have done and always wait eagerly for the next episode to drop. With very best wishes, Agnes 26:02 Question 5 Hi, Hope you are well and can help a Cornish lass! I am 35 and have never been able to budget or manage finances. In fact I have always buried my head in the sand.  Unfortunately, when lockdown and maternity leave hit at the same time, we could not afford our debt repayments (we had purchased a house in January of 2020 too). We had no choice but to take out an IVA. We are now in the 6th year of this as it was extended as we couldn't release equity from our home. This is due to end in November of this year and I have been doing my best to learn about budgeting and managing finances ready for when this ends.  I have started a spreadsheet to start tracking expenses and aim to start an emergency fund plus a pot for putting some money away for Christmas/birthdays. I have been discussing this with my husband and he thinks we should get an overdraft as soon as the IVA finishes to start building our credit rating, whereas I think we should get a small credit card that we pay off each time we use it. What do you think we should do as our first few steps coming out of the IVA to build more security for our future?  Thank you in advance. Kindest regards Lisa 33:12  Question 6 Salutations, Roger, Pete, My question is on what to do with a lump sum inheritance-y thing as a younger guy. My parents have been very financially successful in business and incredibly generous to my brother and I, and gifted us each an apartment a few years ago, to make use of the "first property" exemptions and the 7 year gift rule. Now that I'm mature enough to understand the opportunity, I've taken control of the management of mine. While I understand it's an incredible income generating asset, I'm not a fan of real estate, and am much more comfortable selling the property and investing in index funds within the variety of wrappers available in the UK. After fees and taxes, should I go through with the sale, I will net approx £350k. My plan is as follows: - £47k into premium bonds (I currently have £3k) - £40k into my SIPP (limited by current salary) - £40k held in cash, to be invested into my SIPP in tax year 2, potentially up to £52k as my salary rises - Remainder into GIA - All invested in Vanguard index tracking funds I'm 26, working as an Officer in the military, so I have an incredibly low cost of living (subsidised accommodation and no utilities), and a non contributory DB pension plan, so no need to allocate money there, and am able to max out my S&S ISA yearly just with my salary. I know these steps are good, but having the best part of £220k in a GIA, paying CGT on the other end of that makes me a little unhappy, especially if I hold it for multiple decades. I'm aware this is a real champagne problem but do either of you have any recommendations on improvements to my plan and mindset, or are you able to poke any holes in my approach? Should I hold more in cash to later invest into my SIPP? Bed and ISA/ SIPP over time? Spend some of it, even? I know it's an aggressive approach, but I'm sort of an "all or nothing" sort of guy, even with investing as is referenced in my 70+% savings rate, but balance has always been hard for me to find. My goal is to be Financially Independent by 36. I'll likely keep working but I like the security of that idea, and the saltily coined term "F-you money". Whatever you both think, I will deeply ponder over and analyse for many hours. Thank you both for the many episodes of top tier information. I would apologise for the lack of brevity, but I know you love it really. Thanks guys, you're both rockstars! Nick

2027년 양도소득세(CGT) 개편을 앞두고 투자자들의 고민이 커지는 가운데, 전문가들은 세금보다 투자 목적과 장기 재정 계획을 우선 고려해 매도 여부를 결정해야 한다고 조언합니다.호주 공영방송 SBS 한국어 프로그램은 호주 한인 커뮤니티를 위한 뉴스와 생활 정보, 그리고 다양한 이야기를 전합니다. 호주와 한국을 잇는 신뢰할 수 있는 콘텐츠를 만나보세요.더 많은 뉴스와 팟캐스트는 SBS 한국어 프로그램 웹사이트에서 확인하세요. www.sbs.com.au/korean

Recorded on site at the ASGCT 2026 Annual Meeting in Boston, this mini-series introduces listeners to ASGCT members and the work driving progress across the cell and gene therapy field. In each episode, members are invited to share their backgrounds, discuss the current state of the field, and reflect on the value of ASGCT membership. This series of brief, engaging conversations will help listeners get to know the people, perspectives, and ideas shaping the ASGCT community. In this episode, host Ben McLeod of the ASGCT Communications Committee talks with Dylan Bechtle, Director of Regulatory Policy in North America at Johnson & Johnson. Dylan shares how ASGCT membership has been valuable to his career in the regulatory space, both through its community and its resources for staying up to date with the CGT field. Music: 'Origami' by Scott Buckley – released under CC-BY 4.0. www.scottbuckley.com.auShow your support for ASGCT!: https://asgct.org/membership/donateSee omnystudio.com/listener for privacy information.