Podcasts about cgt

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

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

Gold has been one of the best performing investments over the last 12 months, and that has got a lot of people curious about it... So, we thought we'd dedicate an entire episode to this precious metal. We'll break down whether it's truly a safe haven, how it compares to stocks, and the best ways to invest from the UK - including a surprising tax perk.Enjoy!---

durée : 00:03:28 - L'invité de la rédaction de "ici Sud Lorraine" - Régis Crunchant, secrétaire départemental de la CGT en Meurthe-et-Moselle, est l'invité d'ICI Sud Lorraine ce mercredi 16 juillet après le plan d'économies présenté par François Bayrou. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

In this episode of the Ori Spotlight Podcast, Jason C. Foster welcomes Henrik Andersen, former SVP and Head of Cell Therapy Technology Development at Bristol Myers Squibb, to explore how early planning, automation, and economic discipline can help scale the impact of cell therapies.Henrik draws on his experience in both biologics and cell therapy to discuss how platform thinking, target product profiles, and cost-of-goods modelling can be applied earlier in development. Together, they reflect on the pitfalls of rushing to clinic without a viable manufacturing strategy, the shift in investor expectations, and why adapting lessons from biologics could help CGT companies avoid costly detours on the path to commercial success.Connect with Henrik

Send us a textIn this episode, Mena and Stuart dive into Australia's complex tax system, using insights from a thought-provoking discussion paper by Matt Grudnoff of The Australia Institute. He examines how, when welfare and superannuation are factored in, Australia's reliance on income tax may not be as unbalanced as critics claim. Still, Stuart raises the question: What could a more common-sense approach to tax reform look like?He explores potential policy ideas, including introducing a luxury GST rate, capping the main residence exemption, and reconsidering the structure of capital gains tax, particularly the implications of taxing unrealised gains on balances above $3 million. He critiques this measure as a major revenue target that few Australians will be willing to pay, questioning its efficiency and fairness.The episode also explores the limitations of inheritance tax, explaining how it can be easily circumvented, and whether there's merit in offering CGT discounts for landlords who rent their properties below market value.Drawing from the ProSolution team's paper on tax reform, he discusses smart alternatives that aim to balance fairness, simplicity, and sustainability. This episode is a must-listen for anyone interested in the future of tax policy and how reform could better serve Australians.If this episode resonated with you, please leave a rating on your favourite podcast platform. It helps us reach more incredible listeners like you. Thank you for being a part of the journey! Click here to subscribe to our weekly email. SPECIAL OFFER: Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog here. Work with Mena & Stuart's team: At ProSolution Private Clients we encourage clients to adopt a holistic and evidence-based approach when making financial decisions. Visit our website. Follow us: Stuart: Twitter/X and LinkedIn. Mena: LinkedInIMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

Esteban Callejo, TCAE y delegado de CGT en Segovia,nos habla del turno nocturno de la planta de traumatología del Hospital General donde solo hay un TCAE y exigen la incorporación de un segundo TCAE.

En 2016, les Deschiens présentaient un sketch au micro de Mademoiselle Jade : Bruno, syndicaliste à la CGT, expliquait ses diverses motivations pour faire la grève. Tous les jours, retrouvez le meilleur de Laurent Gerra en podcast sur RTL.fr, l'application et toutes vos plateformes. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

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

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

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

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

Depuis les 25e Rencontres économiques d'Aix-en-Provence, Ecorama reçoit Sophie Binet, secrétaire générale de la CGT. À l'heure où l'exécutif prépare un plan d'économies de 40 milliards d'euros, les tensions sociales pourraient à nouveau s'enflammer. Réforme des retraites, austérité budgétaire, mise à contribution des retraités, gel des dépenses publiques : face à un gouvernement qui renvoie les décisions à l'automne, la CGT dénonce une stratégie d'usure. Quel avenir pour notre système social ? Hébergé par Audion. Visitez https://www.audion.fm/fr/privacy-policy pour plus d'informations.

This week, Mark and Shani take a look at a quirk to one of the most generous tax concessions that we have in Australia, the CGT exemption for your home. The CGT exemption also allows for you to rent out your property for a number of years, and still claim the CGT-exempt status. We take a deep dive into the tax policy, the circumstances that it suits and the situations to avoid that would make homeowners pay more tax than they need to. You can read the full article here.You can find more examples of the policy on the ATO website.To submit any questions or feedback, please email mark.lamonica1@morningstar.com or leave us a voicemail to feature on the podcast here.Additional resources from our episodes are available via our website.Audio Producer and mixer: William Ton. Hosted on Acast. See acast.com/privacy for more information.

En el último programa de Fuimos Muy Ingenues estuvimos hablando con Emiliano Correia, quien analizó los posicionamientos dentro de la CGT respecto de la condena a Cristina y la actitud ante el Gobierno y la creación del Frente por la Soberanía, el Trabajo y el Salario. A su vez, indagó en las acciones oficiales y los conflictos sindicales que se sucedieron en las últimas semanas.

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth cover a range of topics including Underquoting, Property Development in retirement, CGT on your holiday home and reviewing your Estate Planning. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: – Drew's staircase mishap – James caught off guard by an underquoting Real Estate agent – Property Development in Retirement (and should you?) – Understanding CGT for the sale of a holiday home – How to finalise and review your Wills and Power of Attorney Chapters – Introduction – Drew's Recent Fall – James' Underquoting Auction Experience – A Client's (Almost) Mistake – Selling a Holiday Home – Powers of Attorney – Estate Planning Resources for this episode Ask a question (select the Retirement podcast) Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan Invest with us: https://bit.ly/R-invest Access Show Notes: https://bit.ly/R-notes Ask a question: https://bit.ly/R-quest 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 #retirement #australia Learn more about your ad choices. Visit megaphone.fm/adchoices

Simple assessment and real-time reporting for capital gains tax (CGT) are two ways for HMRC and taxpayers to sidestep self assessment for income and gains.HMRC sent out a record number of simple assessments for 2023/24. We explain what they are and explore some of the problem areas. We also explain how the often overlooked real-time reporting for CGT works and look at current issues with CGT reporting more generally.LinksTAXguide 09/18: simple assessment - https://www.icaew.com/technical/tax/tax-faculty/taxguides/2018/taxguide-0918-simple-assessment Simple Assessment guide for pensioners - https://www.gov.uk/government/publications/pensioners-and-tax-communications-materials/simple-assessment-guide-for-pensioners Agent Update: issue 131 - https://www.gov.uk/government/publications/agent-update-issue-131/issue-131-of-agent-update#simple Consider using the real-time CGT service to report gains - https://www.icaew.com/insights/tax-news/2024/apr-2024/consider-using-the-real-time-cgt-service-to-report-gains TAXguide 15/20: Capital gains tax UK property disposal reporting - https://www.icaew.com/technical/tax/tax-faculty/taxguides/2020/taxguide-1520-capital-gains-tax-uk-property-disposal-reporting PanellistsStephen Relf, Technical Manager, Tax, ICAEWCaroline Miskin, Senior Technical Manager, Digital Tax, ICAEW Katherine Ford, Technical Manager, Personal Taxes, ICAEWProducerEd AdamsEpisode first published: 2 July 2025Podcast recorded: 24 June 2025

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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