Podcasts about cgt

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

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

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

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

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

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

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

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

FIRST WITH YESTERDAY'S NEWS (highlights from Monday on Newstalk ZB) But Polls Are/They'll Never Take Our Cars/Where Razor Went Wrong/Heath and His HatersSee omnystudio.com/listener for privacy information.

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

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

Philippe Martinez, né le 1 avril 1961, a occupé le poste de secrétaire général de la CGT entre 2015 et 2023.  Ses parents, tous deux d'origine espagnole - le père né en France et ayant grandi à La Plaine St Denis dans le quartier connu sous le nom de "petite Espagne", la mère arrivée jeune femme de Santander, en Cantabrie - ont ont histoire syndicale et politique forte, à la CGT et au Parti communiste. Le père, engagé dans les Brigades internationales en 1936, ouvrier métalluirgiste, était délégué syndical de son entreprise - un équipementier automobile -, la mère a adhéré au PCF en arrivant en France. Chez les Martinez, la famille est vaste : six tantes en France, six oncles en Espagne, et un village d'Ardèche tout proche de celui où Jean Ferrat avait élu domicile, où la famille se retrouve régulièrement, où les discussions politiques vont bon train, entre célébration de la résistance, détestation du franquisme et débats animés sur l'URSS - un bouillon de culture pour le jeune Philippe. De cette jeunesse entre "la langue de Cervantès" et celle de Molière, des ces conversations passionnément écoutées, il lui est resté des convictions politiques mais aussi antiracistes qui ont contribué à faire l'homme qu'il est.  Musiques additionnelles :  - Pasiegas - "contre vents et marées"  (disponible sur You Tube) : https://www.youtube.com/watch?v=r85Vt2tak3c - Jean Ferrat, Ma France     Cinq filles et un garçon : Manuel, le père de Philippe Martinez   Philippe Martinez vu par Ernest Pignon-Ernest et la bande annonce du film Les Femmes du 6e, de Philippe Le Guay : https://www.youtube.com/watch?v=ykg0DfSkwmc      

Couple of things from this morning's poll on CGT. Basically, we're evenly split. As many of us are in favour of Labour's plan as are against it. The results are interesting, though. The details. So, more Aucklanders hate it more than the rest of the country. 45% of Aucklanders oppose it. Only 32% support it. Now, Auckland holds the keys to the kingdom, electorally, as Labour found out in stunning defeat at the polls two years ago. Auckland lockdowns collapsed their vote. As did the cost of living. So, if you're National, that's where you focus your anti-CGT campaign. Its' also interesting, and the Herald piece on the poll makes this point, in areas where people are doing well, where house prices haven't caved. There's more support. In areas feeling poor because their house price has fallen through the floor, they don't like it. So basically, you have squeezed-middle voters telling you they feel too poor to support another tax. And so, you end up with this fight between people who like the sound of an idea, and people who feel it will threaten their chance of growing wealth. Then you've got to ask yourself, will the tax do what it says on the label? Will it pay for millions of extra doctor's visits? Where will these doctor's magically appear from? Does this party have a good track record with delivering on promises, practically if they tell you how much but not really how? You could look at this poll and think it's a win for capital gains. And it is. Sort of. But there's plenty of fodder for an anti-capital gains campaign which is no doubt being workshopped by some ad agency as we speak. See omnystudio.com/listener for privacy information.

On the front page of the New Zealand Herald today there was a poll, and it shows that we're split as a nation on the issue of capital gains tax. So, the question for us here in this room and you in your room and all of us together is, should we have another discussion on the CGT? And my answer to that is, of course not. And why? We have no real idea of what it looks like, so we don't know what we're talking about. People who have assets that are accruing capital do not want it because they've never had to pay tax on it before, and no one likes paying more tax. People who do want a capital gains tax might want it if it means there's more money for health and education or benefits, but then if they start getting assets, will they be happy paying more tax? All the policies we've had so far on capital gains tax are so wishy-washy and indeterminate, we have no idea what it means. When will the valuations be calculated? Will we pay tax on mythical unrealized gains? How much money will it really raise? Have we had any answers to any of those questions? No, we have not. Could we have answers to those questions? Maybe. David Parker, before the last election, apparently came up with a comprehensive capital gains tax plan, but we never saw it. So how can we debate it? Labour's policy is such a once over lightly, we can't answer any of this. We are split on the general concept of capital gains tax and always have been, so why discuss it? It is a ridiculous Russian doll situation, and we go round and round, and we've decided let's not talk about that today. But we can talk about real taxes. And real taxes are increasing. And if you don't believe me, take a look at your rates bill, because rates are a tax. There are all sorts of different taxes in this world. And it's the sneaky ones that don't call themselves taxes that are the really sneaky ones. We had a real tax come at us, a couple of them actually, over the weekend. On Saturday, the front page was all about the legislation that's been introduced, meaning that councils can charge congestion taxes in the future. Awesome. So we'll be paying taxes on roads we already paid taxes to build. And if not taxes, then rates, because the council builds a lot of our roads. And of course, as I've said already, rates are also taxes. Talk about double jeopardy. We're paying taxes on taxes. It's two bites of the pie. And then you have to wonder why the National-led coalition wants to increase our taxes when their mission has always been to reduce them. They hate taxes, they say. Some of them say we're overtaxed. They want them gone.So the motivation for taxes has many faces. They're used to punish the rich because of the politics of envy, I get that. They're used to redistribute wealth because some people are poor and some people are not. And of course, they're all used to fund health and education systems. And we also use taxes to punish or to change behaviour. So I guess if we're talking about congestion taxes in this instance, we're talking about changing our behaviour. Is that enough reason for National to want to do this? The behaviour they're trying to change is to make more of us drive off-peak and less of us on-peak, making the roads flow better. I say good luck with that. Good luck with your tax, because in this age of cost of living increases and rate rises and water costs, I believe that no one at this moment wants to pay more tax. And no wonder Wayne Brown in the paper on Saturday said the council is not going to use this new power anytime soon, because he knows a vote killer when he sees one. I mean, who's going to vote for that? Turkeys do not vote for Christmas. And you have to ask, would it actually work? It might make mums on the school run think twice about using a motorway at peak hour. But, you know, tradies and the people who carry all our goods and the transporters, they won't have the option. They'll have to pay, and that is a further cost on their bottom line. And whenever a business gets a further cost on the bottom line, you know what they do? They pass it on. Who to? You and I, increasing the costs of services. The very fact, and I said this yesterday, the very fact that a young modern city like Auckland or Tauranga or Wellington, well, let's say Auckland, just over 1 and a half million people, it's a small city internationally, has got itself into a position where a centre-right government thinks the answer is a congestion tax is a complete and utter failure of our civil planning over the last generations. Sure, I understand congestion taxes in London. I mean, that built and built and built, and there's no more room for roads, and they've got undergrounds, and they've got buses, and they've got trains, and they've got everything, and still they're congested. So sure, put a congestion tax on in London. But really, Auckland? Hello? Really? Tauranga? Tauranga is our most taxed roading system. Got a couple of them there. You had the K-Road ages ago. Did it work? Or Wellington. And I'll talk more about Wellington later because today is a big day for Wellington transport.The fact of the matter, if you don't like the congestion taxes, all we had to do was provide alternatives to the car that were affordable and efficient. Every time we talked about public transport options or alternate modes or God forbid cycleways, they've always been shouted down by people who think we still live in a rural village and not a modern cities, and we should all have the human right to drive from doorstep to doorstep. Well, that's a lack of foresight, is it not? Because we kept on growing and growing. Unfortunately, transportation, like public transport, is the answer, because there's very little room for more roads. But then again, we'll have to figure out how to pay for that transport system, and again, that will fall on you and me and our wallets, just the same as it would with any tax. At the moment, unbelievably, under a National-led coalition, another tax is coming, and do you think our roads are going to suddenly clear out? I don't. LISTEN ABOVESee omnystudio.com/listener for privacy information.

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

Handbags at 30 paces in the coalition today when Winston Peters said of asset sales were a “tawdry silly argument” and that the government has not fixed the economy. PM Luxon responded calling out Peters' age saying ‘he's been here 50 years for goodness sake'Chris Hipkins spoke to the NZ Herald this morning talking CGT, asset sales and what the relationship is like between TPM and LabourTe Ururoa Flavell spoke out this morning on the TPM expulsion of MPs with a perspective that comes straight from someone, who was the leader of TPM The Democrats fold to Trump and the GOP today to reopen government. Many, including some on the right, are acknowledging that this is a big loss to the Democrats.=================================Come support the work we're doing by becoming a Patron of ⁠⁠#BHN⁠⁠ www.patreon.com/BigHairyNews⁠=================================Merch available at www.BHNShop.nz Like us on Facebookwww.facebook.com/BigHairyNews Follow us on Twitter.@patbrittenden @Chewie_NZFollow us on BlueskyPat @patbrittenden.bsky.socialChewie @chewienz.bsky.socialEmily @iamprettyawesome.bsky.socialMagenta @xkaosmagex.bsky.social

In this Tax Time edition of Wealth Coffee Chats, Anthony Wolfenden, Tax Financial Advisor at Positive Tax Solutions, uncovers a little-known capital gains tax (CGT) exemption that could make a big difference in your property and estate planning. While most investors understand the six-year rule — allowing you to treat a former principal place of residence as CGT-exempt even while renting it out — Anthony dives deeper into an often-overlooked extension of that rule that applies at the end of life. He explains how, under current tax laws, if the last property you own and live in before moving into aged care or passing away is sold by your beneficiaries within two years, it can remain exempt from capital gains tax, regardless of whether it was once an investment property. This episode breaks down how timing, ownership, and estate strategy can significantly affect your tax position — and why good estate and lifestyle planning can protect both your wealth and your family's future.   Episode Highlights: Quick recap: how capital gains tax applies to your principal residence. The six-year rule — keeping your home CGT-exempt even after you move out. What happens when you exceed the six-year window. The surprising CGT exemption related to aged care and estate planning. How your final residence may be sold tax-free by your beneficiaries. Key timing rule: why the two-year sale window after passing is crucial. How the property's past use (investment or home) may not affect the exemption. The importance of professional advice in estate and tax planning. Practical example: leveraging the rule for better wealth outcomes. Final takeaway: thoughtful estate planning can save your heirs thousands in CGT.

El expresidente de Estados Unidos, Joe Biden, afirmó durante un discurso en una gala del Partido Demócrata en el Estado de Nebraska: “Trump está arrasando no solo con la Casa Blanca, sino también con la Constitución, el estado de derecho y nuestra propia democracia. Y mientras tanto, Trump puede, por su cuenta, otorgar recientemente una línea de crédito de 40 mil millones de dólares a Argentina sin siquiera la aprobación del gobierno. ¿Quién se cree que es?”.El asesor de Donald Trump, Barry Bennet, luego de reunirse con Santiago Caputo en Casa Rosada, dialogó con la prensa: “Estados Unidos apoya plenamente las reformas y la esperanza y promesa que se avecinan. Tenemos un par de años para construir infraestructuras como ferrocarriles y oleoductos, y hay mucho trabajo por hacer antes de que empiecen a llegar los ingresos de los minerales para financiar escuelas, hospitales y pensiones”.Javier Milei aseguró en la CPAC: “No quiero dejar de destacar en este duro contexto el apoyo incondicional de nuestro gran aliado Estados Unidos, el presidente Trump, el secretario Scott Besson, el secretario Marco Rubio, toda la administración tuvieron un gesto inédito que los argentinos no olvidaremos jamás y que quedará marcado para siempre como un hito de nuestras relaciones bilaterales. Tanto la administración Trump como la nuestra, de alguna forma, encarnan el espíritu de la época, un giro hacia la verdad, hacia el optimismo de mercado, hacia recuperar el contacto con los valores occidentales”.Octavio Arguello del triunviro de la CGT sostuvo: “Esta flexibilización que tampoco creo que surge del gobierno. Ustedes saben muy bien que esto es un pedido de la Embajada de Estados Unidos y el Fondo Monetario. Por eso es lo que su gobierno cipayo. No entrega solamente los recursos naturales, sino ahora también quiere entregar a los ciudadanos y también a los trabajadores. Quiere tener trabajadores que sean totalmente indefensos, que no tengan ningún derecho para poder hacer ellos lo que quieren, ¿no? Con las empresas que... A ver, si se trae inversión al país, trae inversiones para que haya crecimiento y para que haya bienestar. Así traemos inversiones para que nos tengan como un país de cuarta, no tiene ningún sentido”.Luego de la reunión con Manuel Adorni y Diego Santilli, el gobernador de Chubut, Nacho Torres, afirmó: “Yo creo que quienes están negados a una reforma laboral tienen que explicar muchas veces por qué tenemos el 50% del empleo no registrado. Una reforma tiene que existir, porque esto impacta no solamente en la informalidad, sino también en uno de los sectores más vulnerables de la Argentina, que son los jubilados”.Patricia Bullrich afirmó en su visita a 9 de Julio: “tiene que haber un orden, una autoridad de agua y un orden entre todos para que el agua no se la trate de sacar cada uno, sino que haya un orden establecido, cómo corre el agua, de qué manera y cómo logramos entre todos arreglar esto. Acá está el gobierno nacional, el gobierno provincial, los gobiernos municipales y todos los vecinos que quieran colaborar”.Noticias del lunes 10 de noviembre por María O'Donnell y equipo de De Acá en Más por Urbana Play 104.3 FMSeguí a De Acá en Más en Instagram y XUrbana Play 104.3 FM. Somos la radio que ves.Suscribite a #Youtube. Seguí a la radio en Instagram y en XMandanos un whatsapp ➯ Acá¡Descargá nuestra #APP oficial! ➯  https://scnv.io/m8Gr 

Here's What They Don't Tell You About Your Property Tax!     Ever wondered what you can actually claim when you buy, hold or sell an investment property in Australia?   In this episode, Todd sits down with tax expert Jeremy Iannuzzelli to break down the real costs behind a property purchase, using a fictional investor "Nick" to show how deductions, cost base rules, and CGT really work in practice.   You'll hear how upfront costs like stamp duty, conveyancing and borrowing expenses fit into the picture, what ongoing holding costs investors can claim, and what happens at the selling stage when it comes to agent fees, depreciation and capital gains tax. Jeremy also explains why proper record-keeping matters far more than most people realise and how a bit of planning can make life much easier, especially around estate matters.   A practical, jargon-free episode for anyone wanting to get their property tax game sorted.   If you're ready to level up your investing confidence, this episode is a must-watch!      

Dave and Hayden unpack one of the biggest questions on the path to financial independence: should you focus on dividend income or capital growth?Should you prioritise dividend income or capital growth on the path to financial independenceHow tax, time horizon, and behaviour shape your mixWhat franking credits, CGT discounts, and ETF distributions really mean for your returnsThey weigh the pros, cons, and myths, then show simple ways to turn a portfolio into regular income using dividends, scheduled sells, or a blend, so you can choose a strategy that fits your goals, risk profile, and time horizon.FI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong Money Australia's audiobookDisclaimerAny advice is general and does not consider your financial situation needs, or objectives, so consider whether it's appropriate for you. You should also consider seeking professional advice before making any financial decision.Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer's website before deciding. Hosted on Acast. See acast.com/privacy for more information.

Esto es Crisis en el Aire, el podcast de Revista Crisis para tirar del hilo de la coyuntura. Seleccionamos tres temas relevantes, los la​​buramos y te compartimos un análisis crítico. En el primer bloque, analizamos lo que dejó el Congreso de la CGT y nos preguntamos por el papel que tendrá el sindicalismo en el convulsionado escenario político que se viene. Con los aportes del periodista Jorge Duarte, Agustín Lecchi, de Sipreba y Daniel Yofra, líder de los aceiteros.En el segundo bloque,  analizamos el encuentro con oraciones y bendiciones en Casa Rosada entre el gobierno de Javier Milei y los líderes de una de las congregaciones evangélicas más conservadoras. Opina el diputado provincial por el peronismo Miguel Rabbia y Antonella Marty, quien ha investigado el poder evangélico en la política estadounidense.La tangente es una línea de fuga para escapar de una época que apabulla con su inmediatez. Esta semana, Sebastián Scolnik desnuda el rol de las ciencias sociales como traductor insípido y despolitizado de un presente conflictivo y agobiante.Conducen: Mario Santucho, Ximena Tordini y Facundo IglesiaEn la producción: Juan Pablo Hudson, Natalia Gelós, Nicolás Perrupato y Melisa Rabanales.La ilustración es de Brenda Greco. Flor Badaracco puso la voz y Ale Demasi editó el episodio.

Mark Morton explores the capital tax speculation swirling ahead of the upcoming Budget, from wealth taxes and property gains to IHT and SDLT reforms. With candid insights on political motives, tax fairness, and the real impact on UK households, this episode looks at how far the Chancellor might go to fill a £30 billion gap.For more information on this topic and more, please visit www.mercia-group.com for further details.

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

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

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

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

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

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

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

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

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

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

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

THE BEST BITS IN A SILLIER PACKAGE (from Tuesday's Mike Hosking Breakfast) Times FiveSee omnystudio.com/listener for privacy information.

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

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

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

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

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

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

Sign up to the Punter Times Newsletter https://www.punterspolitics.com/pages/email-sign-upThis week, Konrad and James expose how foreign corporations like Shell made $127 billion in Australia while paying virtually zero tax, reveal the governments hidden gambling connections, and host the first-ever Puntermon Battle between two economists who can't agree whether mass immigration or property speculation is destroying Australia's housing market. Featuring - Economists Leith van Onselen & Matt Grudnoff Punter’s Politics Political Fundraiser Tickets: https://www.punterspolitics.com/pages/punters-political-fundraising-dinnerBe a dark money funder to help hire a lobbyist for the punters: https://chuffed.org/project/134297-fund-australias-first-punter-powered-lobbyist Leith's Notes"The first chart in this article shows why demand side policies never work as they just feed higher home prices:" https://www.macrobusiness.com.au/2025/05/australians-snookered-by-mega-mortgages/"Even if we changed NG and the CGT discount today it wouldn't do squat for the rental market as the volume of migration would continue to overwhelm supply, driving vacancy rates lower and rents higher. Sure, building public housing would help and is worthwhile. But that would cost many billions and would merely be taken up by new migrants (this is happening now in Melbourne). We simply cannot build enough homes or infrastructure to keep up with demand. We don't have the capacity. Therefore, the only solution is to go back to pre 2005 levels of migration and ensure that it is focused on skills the country actually needs. We need quality, not quantity. As long as policymakers continue to pump immigration, the rental and infrastructure crises will continue. Nothing can be done on the supply side in any reasonable timeframe to change this fact. Matt's Notes I claimed that over the last 10 years the population has increased by 16% but the number of dwellings has increased by 19%Population data comes from National, state and territory population. Click on the “Population and components of change – national” towards the bottom of the webpage. In the spreadsheet that downloads we are looking for “Estimated Resident Population (ERP) ; Australia” (this is column L in the spreadsheet). 10 years comes from March 2015 to March 2025. The numbers are population in March 2015: 23,745,600. Population in March 2025: 27,536,900. The formular for calculating the percentage increase is (Mar-2025 – Mar-2015)/Mar-2015.Dwellings data comes from Total Value of Dwellings. Click on “Table 1. Total value of dwellings, all series” towards the bottom of the webpage. In the spreadsheet that downloads we are looking for “Number of residential dwellings; Australia” (this is Column AT in the spreadsheet). 10 years comes from the increase from March 2015 to March 2025. The numbers are dwellings in March 2015: 9,511,300. Dwellings in March 2025: 11,320,300.The quarterly dwellings data only goes back to Sep-2011. But the housing crisis really started in the early 2000s. So, to go back further I use census data. If you compare the 2001 census with the 2021 census (latest census), population has increased 33% and dwellings have increased 39%.Population and dwelling data for the 2001 census comes from 2022.0 – Census of Population and Housing: Classification Counts, Australia, 2001. In the downloads tab click on the first data cube “Australia Classification Counts 2001”.Click on the first spreadsheet called “Aust_Age.xls”. This has the population number at D110 in the spreadsheet. The population is 18,972,350.Click on the 14th spreadsheet is called “Aust_Dwelling Location.xls”. It has the dwelling number at B15 in the spreadsheet. The number of dwellings is 7,810,352.Population data for the 2021 census comes from Population; Census. At the bottom of the webpage click on “Data table for population data summary”. The population is 25,422,788 (D20 in Table 1 of the spreadsheet).Dwelling data for the 2021 census comes from Housing: Census. At the bottom of the webpage click on “Data table for Housing data summary”. The number of dwellings is 10,875,248 (J17 in Table 1 of the spreadsheet).You now have the population from both 2001 census (18,972,350) and the 2025 census (25,422,788). You also have the number of dwellings from the 2001 census (7,810,352) and the 2025 census (10,875,248).Rent and general inflation figures all come from the Consumer Price Index, Australia.I claimed over the last 10 years general inflation (CPI) had increased 33%, while rents had increased 24%.Both figures come from the bottom of the webpage at the CPI website linked above, called “Table 7. CPI: Group, Sub-group and Expenditure Class, Weighted Average of Eight Capital Cities”.The rent numbers come from “Index Numbers; Rents; Australia” (column BC in tab Data1). I actually compared Mar-2015 (109.2) to Jun-2025 (133.7). This gives a 24% increase. But to compare with the dwelling data I should have compared March-2015 (109.2) to Mar-2025 (133.7). This reduces the increase to 22%. But as I was arguing that rent prices hadn’t increased as much, this helps my point.The general inflation numbers come from the same spreadsheet as the rent numbers but are at “Index Numbers; All groups CPI; Australia” (column EC in tab Data1). Again, I compared Mar-2015 (106.8) to Jun-2025 (141.7) to get 33%. But I should have compared Mar-2015 (106.8) with Mar-2025 (140.7), which would give 32%.I also claimed that over 25 years general inflation (CPI) had increased 103%, while rents had increased 115%.These figures are from the same columns as the rent (BC in tab Data1) and all groups CPI (EC in tab Data1) data from above. Except instead of comparing 10 years, I went back to Mar-2000 (62.7 for Rent and 69.7 for CPI) and then compared this with Jun-2025 (135.0 for rent and 141.7 for CPI). Again, for consistency I should have compared them both with Mar-2025. This would have meant the general inflation increase would have been 102% (rather than 103%), and the rent increase would have been 113% (rather than 115%). This doesn’t make any difference to the points I was making. See omnystudio.com/listener for privacy information.

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

Pour écouter l'émission en entier, sans pub, abonnez-vous ! https://m.audiomeans.fr/s/S-tavkjvmo Pourquoi la France est-elle ce pays où la rue écrit l'Histoire ?Des canuts de Lyon à Mai 68, de la Commune aux Gilets jaunes, en passant par le Front populaire, la Résistance, les luttes féministes et les marches pour le climat, chaque génération a inventé ses colères et ses espérances.À travers deux siècles de révoltes, de grèves, de barricades et d'utopies, cette grande fresque raconte comment les mouvements sociaux ont façonné la démocratie française. Une histoire vibrante, pleine de récits, de visages et de surprises, qui montre que les droits d'aujourd'hui sont les conquêtes d'hier… et que l'avenir reste à écrire. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this week's WealthTalk, Christian Rodwell and founder Kevin Whelan tackle the growing anxiety among UK business owners and investors as the autumn budget looms and economic headlines fuel uncertainty. They explore why fear-driven, knee-jerk financial decisions can be so damaging—and how to reframe your approach to build lasting, recurring income streams. The conversation covers government policy changes, inheritance tax, business succession, and practical steps to regain control, supported by real-life member stories and actionable advice. Key Topics Covered1. Current Economic Uncertainty & Its ImpactHeadlines are driving fear: budget rumours, slow property sales, and pension changes.Small business owners and savers are reacting to speculation, sometimes making rushed decisions.Older generations are increasingly turning to “buy now, pay later”—a worrying trend.2. The Danger of Knee-Jerk ReactionsKevin and Christian discuss how fear leads to poor decisions: raiding pensions early, panic property sales, or taking on short-term debt.Government policy changes often create uncertainty, leading to hasty moves that can undermine years of planning.“You don't plan your pension in a vacuum—you plan for a lifetime and a legacy.”3. Tax & Inheritance Changes: What You Need to KnowUpcoming changes to business succession tax: from April 2026, only the first £1m passed to the next generation will be tax-free (down from unlimited).Inheritance tax allowance has been frozen since 2009, dragging more people into the tax net.Unmarried individuals and those without children face additional challenges.4. Why Building Wealth is About Long-Term PlanningThe WealthBuilders approach: focus on building assets and recurring income, not just reacting to market or policy shifts.“Certainty comes from recurring income streams, not from activity or fear.”Importance of running a “family wealth business” alongside your main business.5. Member Success Story: John's JourneyJohn, a business owner, shares how WealthBuilders helped him move from feeling trapped to seeing a clear path to financial security.Building wealth outside the business creates options and security, even if business income fluctuates.6. Practical Steps to Regain ControlTake stock of your assets—many are under-leveraged.Reduce taxes and fees: review income tax, corporation tax, CGT, inheritance tax, and hidden financial fees.Consolidate pensions, update your will, and collect all key documents.WealthBuilders is developing a secure digital vault for document and asset tracking.7. The Power of Community & Trusted GuidanceDon't make decisions in isolation—seek advice from trusted communities, mentors, or professionals.Avoid taking guidance from social media or generic AI responses; your situation is unique.WealthBuilders' supportive community and expert network are there to help.Actionable TakeawaysPause Before Acting: Give yourself time to research and seek advice before making big financial decisions.Focus on Recurring Income: Build multiple streams of recurring income to create true financial security.Plan for the Long Term: Don't let short-term headlines derail your wealth-building journey.Get Organised: Consolidate pensions, update your will, and keep records secure for your family's future.Join a Community: Leverage the support and experience of others—don't go it alone.Final ThoughtsDon't let fear or headlines dictate your financial future. Build a system of assets that funds your lifestyle, and you'll always have control—no matter what changes come your way. Stay tuned for our post-budget episode and more practical guides to help you on your journey.Resources & Next StepsBook a Call: Visit wealthbuilders.co.uk and click the big red button to schedule a chat with the team.Trustpilot Reviews: Read real member stories and see the impact of WealthBuilders' step-by-step approach.Upcoming Guides: Look out for the new Inheritance Tax Guide and post-budget analysis—join the waitlist via the website.Connect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform

Pour écouter l'émission en entier, sans pub, abonnez-vous ! https://m.audiomeans.fr/s/S-tavkjvmo Pourquoi la France est-elle ce pays où la rue écrit l'Histoire ?Des canuts de Lyon à Mai 68, de la Commune aux Gilets jaunes, en passant par le Front populaire, la Résistance, les luttes féministes et les marches pour le climat, chaque génération a inventé ses colères et ses espérances.À travers deux siècles de révoltes, de grèves, de barricades et d'utopies, cette grande fresque raconte comment les mouvements sociaux ont façonné la démocratie française. Une histoire vibrante, pleine de récits, de visages et de surprises, qui montre que les droits d'aujourd'hui sont les conquêtes d'hier… et que l'avenir reste à écrire. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Pour écouter l'émission en entier, sans pub, abonnez-vous ! https://m.audiomeans.fr/s/S-tavkjvmo Pourquoi la France est-elle ce pays où la rue écrit l'Histoire ?Des canuts de Lyon à Mai 68, de la Commune aux Gilets jaunes, en passant par le Front populaire, la Résistance, les luttes féministes et les marches pour le climat, chaque génération a inventé ses colères et ses espérances.À travers deux siècles de révoltes, de grèves, de barricades et d'utopies, cette grande fresque raconte comment les mouvements sociaux ont façonné la démocratie française. Une histoire vibrante, pleine de récits, de visages et de surprises, qui montre que les droits d'aujourd'hui sont les conquêtes d'hier… et que l'avenir reste à écrire. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Pour écouter l'émission en entier, sans pub, abonnez-vous ! https://m.audiomeans.fr/s/S-tavkjvmo Pourquoi la France est-elle ce pays où la rue écrit l'Histoire ?Des canuts de Lyon à Mai 68, de la Commune aux Gilets jaunes, en passant par le Front populaire, la Résistance, les luttes féministes et les marches pour le climat, chaque génération a inventé ses colères et ses espérances.À travers deux siècles de révoltes, de grèves, de barricades et d'utopies, cette grande fresque raconte comment les mouvements sociaux ont façonné la démocratie française. Une histoire vibrante, pleine de récits, de visages et de surprises, qui montre que les droits d'aujourd'hui sont les conquêtes d'hier… et que l'avenir reste à écrire. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Pour écouter l'émission en entier, sans pub, abonnez-vous ! https://m.audiomeans.fr/s/S-tavkjvmo Pourquoi la France est-elle ce pays où la rue écrit l'Histoire ?Des canuts de Lyon à Mai 68, de la Commune aux Gilets jaunes, en passant par le Front populaire, la Résistance, les luttes féministes et les marches pour le climat, chaque génération a inventé ses colères et ses espérances.À travers deux siècles de révoltes, de grèves, de barricades et d'utopies, cette grande fresque raconte comment les mouvements sociaux ont façonné la démocratie française. Une histoire vibrante, pleine de récits, de visages et de surprises, qui montre que les droits d'aujourd'hui sont les conquêtes d'hier… et que l'avenir reste à écrire. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Pour écouter l'émission en entier, sans pub, abonnez-vous ! https://m.audiomeans.fr/s/S-tavkjvmo Pourquoi la France est-elle ce pays où la rue écrit l'Histoire ?Des canuts de Lyon à Mai 68, de la Commune aux Gilets jaunes, en passant par le Front populaire, la Résistance, les luttes féministes et les marches pour le climat, chaque génération a inventé ses colères et ses espérances.À travers deux siècles de révoltes, de grèves, de barricades et d'utopies, cette grande fresque raconte comment les mouvements sociaux ont façonné la démocratie française. Une histoire vibrante, pleine de récits, de visages et de surprises, qui montre que les droits d'aujourd'hui sont les conquêtes d'hier… et que l'avenir reste à écrire. Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

C dans l'air du 1er octobre 2025 - Lecornu : pas de gouvernement et déjà un test dans la rueÀ peine nommé et déjà menacé. Alors qu'il devrait annoncer son nouveau gouvernement en fin de semaine, le Premier ministre Sébastien Lecornu voit peser sur lui la menace de la censure à deux semaines de l'examen par l'Assemblée nationale du projet de loi finances. Ces derniers jours, le nouveau locataire de Matignon a reçu les principales formations politiques, dont les socialistes avec qui il espère pactiser en vue d'éviter la censure. Pourtant, le représentant du PS est ressorti déçu des premières négociations. Vendredi, Sébastien Lecornu a confirmé dans le Parisien avoir écarté l'idée d'une taxe Zucman, le retour de l'Impôt sur la fortune ou la suspension de la réforme des retraites. "Si rien ne change, le résultat est déjà connu. Il y aura une censure, donc ce gouvernement tombera et il y aura vraisemblablement une dissolution", menace Olivier Faure, tandis que les députés Renaissance, dirigés par Gabriel Attal préparent déjà des élections législatives anticipées. Reste qu'il faut ménager le socle commun. Lundi, Sébastien Lecornu a dit que son futur gouvernement ferait des "propositions" de baisse d'impôts "notamment en faveur du travail".Dans l'attente d'une possible censure, les syndicats ne relâchent pas la pression et se préparent à une forte mobilisation jeudi, deux semaines après une première réussie (500 000 manifestants le 18 septembre). Les revendications des 8 organisations syndicales demeurent les mêmes : abandon du plan d'austérité de 44 milliards d'euros, suppression du report de l'âge à la retraite à 64 ans ou encore une meilleure justice fiscale. Parmi les principales figures de proue de ce mouvement, la secrétaire générale de la CGT, Sophie Binnet, mais aussi celle de la CFDT, Marylise Léon, réputée comme à l'écoute et mosdérée.Quand 68 % des Français se montrent favorables à la taxe Zucman, réclamée par la gauche, un homme s'y oppose. Entrepreneur ultralibéral, co-fondateur de la licorne Ledger, Eric Larchevêque veut alerter sur ce qu'il considère comme une mesure absurde. Selon lui, la plupart des entrepreneurs dont le patrimoine est composé d'actions, "c'est‑à‑dire en grande partie virtuel", seront incapables de payer cette taxe. Plus globalement, il estime que taxer davantage les riches ne changerait rien, car "la dette est colossale" et qu'un tel impôt ne ferait que fuir les chefs d'entreprises français.Sébastien Lecornu peut-il réussir à négocier un pacte de non censure avec la gauche ? Les syndicats peuvent-ils mettre davantage la pression sur le Premier ministre grâce à la mobilisation de demain ? Et pourquoi les entrepreneurs s'opposent à la taxe Zucman ?LES EXPERTS :- Jérôme JAFFRÉ - Politologue - Chercheur associé au CEVIPOF- Mathilde SIRAUD - Rédactrice en chef du service politique - Le Point- Fanny GUINOCHET - Éditorialiste économique - France Info- Jérôme FOURQUET - Directeur du département Opinion - Institut de sondages IFOP