Podcasts about chartered accountants

This is a guest episode of "Ask About Wealth" where Stephanie Wickham talks about tax planning for expats with Paul Overy. To find out more, head to AskAboutWealth.ie.Tax planning for expats in Ireland can make a significant difference before an international move takes place. In this guest episode of Ask About Wealth, Stephanie Wickham explains how Irish tax residency, ordinary residence and domicile affect people leaving Ireland, returning home or moving here for the first time. She also discusses the remittance basis of taxation, Double Taxation Agreements, foreign income and investments, and why taking advice before relocating can help avoid unexpected Irish tax liabilities.About the GuestStephanie Wickham is a Chartered Tax Adviser and Chartered Accountant and the founder of Expat Taxes. She specialises in Irish and international tax matters affecting expats, returning Irish emigrants and people with ongoing cross-border tax obligations.Her own experience of living in Australia for eight years before returning to Ireland also gives her a very practical understanding of what an international move involves beyond the tax return.LinkedIn: https://www.linkedin.com/in/stephanie-wickham-b4aba13b/Website: https://expattaxes.ie/*****Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct.*Click here for a special offer from our sponsor, Currencies Direct******If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify.Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/.*****Chapters:(00:00) Guest Episode Introduction(01:01) Meet Stephanie Wickham and Expat Taxes(04:31) Stephanie's Own Experience Returning to Ireland(07:43) Tax Residency, Ordinary Residence and Domicile(12:13) Working Abroad and Bringing Savings Back to Ireland(15:39) Tax Planning Before Leaving Ireland(21:41) How Double Taxation Agreements Really Work(24:02) Tax Compliance Versus Tax Planning(27:50) Why Specialist Cross-Border Tax Advice Matters(31:17) Moving to Ireland and the Non-Dom Rules(38:24) When Tax Savings Come With a Lifestyle Cost(42:13) Planning Ahead Before an International Move

In this episode of FP&A Unlocked, host Paul Barnhurst is joined by Nitesh Mukhi, Rohit Menon, and Sweta Jhalani to discuss how AI is transforming the FP&A profession and changing the way finance teams work. The guests share their experiences with the AI FP&A Programme, exploring practical AI applications, automation, financial analysis, and the skills finance professionals need to stay ahead. They also discuss why domain expertise, human judgment, and business understanding remain essential in an AI-driven finance world.Nitesh Mukhi is the Finance Director at Presight AI, an AI analytics and big data analytics company in Abu Dhabi, with over two decades of experience across auditing, financial analysis, treasury, and FP&A roles at companies including Schlumberger, FedEx, and KPMG. Rohit Menon is a Regional Finance professional at Bioltec with more than 19 years of experience across multinational companies, focusing on finance transformation and developing FP&A capabilities. Sweta Jhalani is a Chartered Accountant and FP&A Manager based in India who transitioned from audit into FP&A, building experience in financial planning, analysis, and business partneringExpect to Learn:How AI is transforming FP&A workflowsPractical finance use cases for AI toolsThe importance of financial modelling and business partneringWhy human judgment remains critical in AI adoptionBuilding the skills needed for the future of financeHere are a few relevant quotes from the episode:“AI is an enabler. It's going to enhance your work, and I think it's going to help you in your day-to-day work.” - Nitesh Mukhi“AI is not the solution to each and every problem.” - Sweta JhalaniAI is changing the way finance professionals approach their work, but the fundamentals of finance remain important. The ability to understand business needs, interpret data, communicate insights, and apply human judgment will continue to separate great FP&A professionals from the rest.Follow Nitesh:LinkedIn: https://www.linkedin.com/in/nitesh-mukhi-7504456/Follow Rohit:LinkedIn: https://www.linkedin.com/in/rohit-menon1984/Follow Sweta:LinkedIn: https://www.linkedin.com/in/caswetajhalani/Disclosure: Portions of this episode (such as the introduction or promotional segments) uses AI-generated voice narration produced under human editorial review.Earn Your CPE CreditFor CPE credit, please go to earmarkcpe.com, listen to the episode, download the app, answer a few questions, and earn your CPE certification. To earn education credits for the FPAC Certificate, take the quiz on earmark and contact Paul Barnhurst for further details.In Today's Episode:[00:00] - Introduction[01:21] - Guest Introductions[04:09] - What Great FP&A Looks Like[07:17] - Why They Joined the AI FP&A Programme[12:06] - Inside the AI FP&A Programme[14:35] - Real-World AI Use Cases[17:15] - Key Lessons From the Programme[22:11] - The Reality of AI in Finance[30:14] - AI Projects and Applications[34:03] - Advice for Finance Professionals[36:50] - The Future of AI in FP&A[40:21] - Essential FP&A Skills[43:34] - Skills Needed for AI Success[46:36] - Quick-Fire Questions[52:20] - Final Thoughts and Advice

The Origin of the Zodiac has been rediscovered in Gwynedd, North Wales.Thousands of years older than the Babylonian and Egyptian zodiacs, perhaps even older than Gobekli Tepe, the features on the ground in North Wales actually determined the choice of stars for the constellations in the heavens above.In rediscovering the origin of the modern constellations, so too has been rediscovered the 'cipher' connecting the history of the world we know and understand, to the pre-history world of myth and mystery.If true, the Star Maps of Gwynedd may change everything we believe about our recent history.Hundreds of hours of painstaking research, hieroglyph interpretation and language translation identify all the features of the present zodiac and circumpolar constellations across the land features of Gwynedd. This information is presented in maps of the ground and star maps correlated with the same in the night sky above. The myth is explained and retranslated, as are the landmarks and the corresponding astrological icons associated with each of the signs of the zodiac.Prepare for a journey across the heavens and back in time, crossing into the world that existed before the Great Flood.Hugh Evans studied Astrophysics at university, graduated in aeronautical engineering, subsequently qualifying as a Chartered Accountant. He now applies his scientific interest, engineering rigor and professional scrutiny to a lifelong passion for history and the stars; offering a new perspective and rediscovering the story of the ancients. Hugh has invested thousands of hours of painstaking research, site visits, hieroglyph interpretation and language translation to identify all the features of the present zodiac and circumpolar constellations across the land features of Gwynedd, North Wales. Thousands of years older than the Babylonian and Egyptian zodiacs, perhaps even older than Göbekli Tepe, the features on the ground in North Wales actually determined the choice of stars for the constellations in the heavens above. He is the author of The Origins of the Zodiac, Cadair Idris and the Star Maps of Gwynedd.https://originofthezodiac.com/Become a supporter of this podcast: https://www.spreaker.com/podcast/earth-ancients--2790919/support.

The UK has a new Prime Minister. Now come the big questions.In this special episode of Business Without BS, Chartered Tax Adviser Andy Oury and commercial lawyer Jemma Hotta discuss the policies they hope Andy Burnham will prioritise to help Britain become a stronger place to build businesses, attract investment and drive long-term economic growth.Think of this as a conversation with your lawyer and your accountant—you just don't have to pay for it. Honest opinions, practical insights and no political spin.In this episode:How can the UK attract more foreign direct investment?What incentives should Britain offer entrepreneurs?Can Britain compete globally in AI and innovation?Should wealth creation be encouraged or taxed?How can SMEs become the engine of economic growth?What should Andy Burnham's first priorities be?What policies would actually encourage businesses to invest?How can Britain become more competitive internationally?About the guestsAndy OuryAndy Oury is a Chartered Tax Adviser, Chartered Accountant and CEO of Oury Clark. Through The Rebel Accountant, he helps entrepreneurs understand tax, build stronger businesses and challenge common misconceptions about the economy.LinkedIn:https://www.linkedin.com/in/andrewoury/Jemma HottaJemma Hotta is a commercial lawyer specialising in corporate law, international business and complex legal structures.LinkedIn:https://www.linkedin.com/in/jemma-hotta/Listen to Business Without BSApple Podcastshttps://podcasts.apple.com/gb/podcast/business-without-bs/id1528844106Spotifyhttps://open.spotify.com/show/6J1YMncmYCLODOKi8A0CFUWebsitehttps://withoutbs.comSubscribe for more conversations with the experts you'd normally have to hire.

ஆஸ்திரேலியாவில் பலரும் தற்போது தங்களது Tax Return-ஐ தாக்கல் செய்து வரும் நேரமிது. இவ்வேளையில் Tax தொடர்பான பல முக்கிய கேள்விகளுக்கு எளிய விளக்கம் தருகிறார் Taxation and Accounting துறைகளில் 20 ஆண்டுகளுக்கும் மேலான அனுபவம் கொண்ட ஸ்ரீ பத்மநாதன் அவர்கள். அவர் Chartered Accountant மற்றும் OzLedger – Accountants & Tax Agents நிறுவனத்தின் நிறுவனர் ஆவார். அவரோடு உரையாடுகிறார் றைசெல்.It is tax return time in Australia, with many people currently lodging their returns. Sri Pathmanathan, a Chartered Accountant with more than 20 years of experience in taxation and accounting, provides clear explanations to some important tax-related questions. He is the founder of OzLedger – Accountants & Tax Agents.

Smoking a pack of 20 cigarettes a day costs over £5,300 annually according to stop smoking charities. The average price of a standard 20-pack is around £16.45, while 30g of rolling tobacco averages £25.25. Nationally, smoking costs society in England £44.8 billion annually through healthcare, lost productivity, and social care.  Personal Cost Breakdown On an individual level, the amount you spend adds up extremely fast. Based on a standard 20-pack at today's prices:  10 cigarettes a day: Approx. £2,646 to £3,000 per year 20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year 40 cigarettes a day: Over £10,500 per year  Economic and Health Impact Despite the heavy taxes placed on tobacco products, the total societal and financial damage caused by smoking far outweighs the revenue raised. To Society: Smoking costs England £44.8 billion each year. This figure includes £27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8 billion in NHS healthcare costs, and £383 million in fire damages.  Smoking a pack of 20 cigarettes a day costs over £5,300 annually. The average price of a standard 20-pack is around £16.45, while 30g of rolling tobacco averages £25.25. Nationally, smoking costs society in England £44.8 billion annually through healthcare, lost productivity, and social care.  Personal Cost Breakdown On an individual level, the amount you spend adds up extremely fast. Based on a standard 20-pack at today's prices:  10 cigarettes a day: Approx. £2,646 to £3,000 per year 20 cigarettes a day (one pack): Approx. £5,292 to £6,000 per year 40 cigarettes a day: Over £10,500 per year  Economic and Health Impact Despite the heavy taxes placed on tobacco products, the total societal and financial damage caused by smoking far outweighs the revenue raised. To Society: Smoking costs England £44.8 billion each year. This figure includes £27.8 billion in lost economic productivity, £14.8 billion in social care, £1.8 billion in NHS healthcare costs, and £383 million in fire damages.  See also: What Landlords MUST Do THIS MONTH To Avoid A £7000 Fine Landlords must give the government Renters Rights Information Sheet 2026  to all tenants before the end of May or risk a fine of up to £7000. You can download the official PDF document on the government website at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 You must serve the actual document to your tenants, in person, by post or email, and not just send them the link. Landlords should keep a record and obtain a receipt or acknowledgement or proof of service. Solicitors have reported a wave of Section 21 notices being served on tenants prior to the deadline when ‘no fault evictions' will no longer apply, according to the Guardian. Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #smokingcost #indexfunds #pensionfunds #investing

Originally from South Africa, JC is a Chartered Accountant who has lived and worked in Bermuda and New York before relocating to South Australia in 2024. He is now a Manager within the external assurance practice of PwC Adelaide whereby he leads various audit engagements from a diverse range of clients across the Australian territory with the purpose of building trust in society and solving important problems.His interests extend to community volunteering for social impact initiatives, as well as exploring the picturesque landscapes of Adelaide through cycling and hiking.We chat to JC about his life and career to date, what led him to Adelaide and what he loves about living in South Australia.

The African Women Chartered Accountants is warning that South Africa could face a future shortage of ethical financial leaders as mounting financial barriers continue to exclude talented young Black women from pursuing careers as Chartered Accountants. According to AWCA, despite significant progress in transformation over the years, many academically capable students continue to abandon their studies or fail to enter the profession due to inadequate funding, limited access to opportunities, and systemic socio-economic barriers. Bongiwe Zwane caught up with the Director at African Women Chartered Accountants,Tieho Maleke.

Assets like Gold and Silver and UK residential property have all suffered sharp price drops this year.  Watch video: https://youtu.be/Zupx5H-8xfk See also:  Renters Rights Act In Force  – What Landlords MUST Do To Avoid A £7000 Fine The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUST Do NOW To Avoid A £7000 Fine Landlords must give the government Renters Rights Information Sheet 2026  to all tenants before the end of May or risk a fine of up to £7000. You can download the official PDF document on the government website at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices  #iranwar  #gold #silver 

(VipassanaGruppen (Sweden)) Born into a Buddhist family in Malaysia, she began practising more seriously after she became a Chartered Accountant. She received the Going Forth as a Sīladharā in July 2019 at Amaravati where she resides.

(VipassanaGruppen (Sweden)) Born into a Buddhist family in Malaysia, she began practising more seriously after she became a Chartered Accountant. She received the Going Forth as a Sīladharā in July 2019 at Amaravati where she resides.

Too often, organisations react to signs of stress or slipping performance in management by rolling out the usual training. But what if the real issue lies deeper?Dan Northover, CEO at Handcrafted, joined me for a frank conversation about supporting and developing managers in a way that actually addresses what's needed on the ground. At Handcrafted, they paused before jumping to training and instead created space for managers to reflect on what their roles actually require, how they feel, and what their teams need from them. That process revealed that while staff were thriving, their managers were absorbing most of the stress - an unsustainable situation for any organisation serious about high-performing teams. We explore why collecting real feedback at every level matters and how honest conversations create the conditions for thriving, not just for the team but, critically, for those leading them. Dan is refreshingly open about his own learning curve as a leader and why vulnerability matters at the top.If you want a workplace where managers are equipped to lead and care for themselves, this episode will help you get beneath the surface, ask better questions, and build a culture that supports lasting wellbeing and genuine performance.More about DanDan Northover (a qualified Chartered Accountant of 11 years) founded Handcrafted and developed it as a part-time volunteer whilst working a senior finance role in the public sector. He's since completed an MBA, but says he's probably learned more from fostering and adopting several children, who have taught him about the immense strength people need to overcome traumatic situations in their lives.Get in touch: https://www.handcrafted.org.uk/contact/Resources & References Insight to Action Download: Rethinking Manager Development: A Human-Centred ApproachWatch this episode on YouTubeManagers… Just Managing? with Sarah Cockroft Employee Engagement Guide For Managers - It's Time for Change Rethinking Skills Gaps - It's Time for Change www.handcrafted.org.ukContact details for Lisa LinkedIn: lisapsychologyWays to work with me: itstimeforchange.co.uk/tailored-supportJoin The Leadership Lens: itstimeforchange.co.uk/lets-connectEmail me for a friendly chat: lisa@itstimeforchange.co.uk

Why Profitable Businesses Still Feel Under Pressure

Aintree Groups 2026 Budget & Tax Planning SeminarIn this special episode of the Plant Grow Reap Podcast, we bring you the complete recording of Aintree Group's 2026 Budget & Tax Planning Seminar, held at Aintree Group's Hawthorn East headquarters on Wednesday, 20 May 2026.Hosted by Shane McKenna, Managing Director and Chartered Accountant at Aintree Group, this annual seminar provides a practical, plain-English breakdown of the latest Federal Budget announcements and the opportunities they create for Australian business owners, investors, trustees, and families.Throughout the session, Shane and the Aintree Group team unpack the key Budget measures, discuss their potential impact, and share practical end-of-financial-year (EOFY) tax planning strategies designed to help individuals and businesses make informed decisions before 30 June.Whether you're looking to better understand recent legislative changes, optimise your tax position, or prepare your business for the financial year ahead, this seminar delivers timely insights and actionable strategies from experienced accounting and advisory professionals.In this seminar:Key 2026 Federal Budget announcements explained in plain EnglishPractical EOFY tax planning strategiesTax optimisation opportunities for businesses and family groupsConsiderations for investors and trusteesUpdates relevant to small and medium-sized businesses (SMEs)Strategic planning insights for the year ahead. This podcast episode contains the full audio recording of the seminar. For the complete experience, including presentation slides, visual examples, and supporting materials referenced throughout the session, we recommend watching the full video recording on YouTube.Watch the full seminar here: https://youtu.be/YVE26OttzjcDisclaimer: The information presented in this seminar is general in nature and does not constitute financial, taxation, or legal advice. Professional advice should be sought before acting on any information discussed.

UK property prices fall for the first time this year, according to the Nationwide Building Society. The lender reports that prices fell by 0.6%, slowing the annual growth rate to 1.7%, citing the Iran war as a factor. Property prices are also dropping in the Middle East and Australia as the effects of Trumps war spreads across the globe. Watch video - https://youtu.be/T6BiYvW8zIk Renters Rights Act In Force  – What Landlords MUST Do To Avoid A £7000 Fine The Renters Rights Act comes into force on 1 May 2026 giving more rights to millions of residential tenants, and imposing more legislation on landlords. Watch video - https://youtu.be/EDMJcNXKe0I What Landlords MUST Do NOW To Avoid A £7000 Fine Landlords must give the government Renters Rights Information Sheet 2026  to all tenants before the end of May or risk a fine of up to £7000. You can download the official PDF document on the government website at: https://www.gov.uk/government/publications/the-renters-rights-act-information-sheet-2026 Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord #section21eviction #rentersrightsact2026 #propertyprices  #iranwar #trump

In this in-depth podcast, Chartered Accountants Shesh Mani Dahal and Sandesh Paudyal break down Nepal Budget 2083 and discuss its potential impact on taxpayers, investors, businesses, and the overall Nepal economy. The conversation begins with a comprehensive Nepal Budget Analysis, exploring the government's fiscal priorities, budget allocation strategy, and the economic direction reflected in Budget 2082. The discussion then moves into Income Tax Nepal, examining recent tax changes, tax relief measures, and how the revised tax structure could affect different income groups. The podcast further explores whether increased disposable income can encourage greater Nepal investment and capital formation. Shesh Mani Dahal and Sandesh Paudyal analyze investment models, economic incentives, and the relationship between taxation and long-term economic growth. A major segment focuses on VAT Nepal, including the possibility of a multi-VAT system, its implementation challenges, and potential implications for businesses and consumers. The discussion also covers procurement process reforms, government spending efficiency, project prioritization, and why several housing and infrastructure projects remain stalled despite budget allocations. In additional segments, the guests discuss the right way to announce a national budget, positive aspects of the current budget distribution, the standard of budget formulation, Nepal's currency peg with India, and the potential impact of global conflicts such as the Iran war on Nepal's economy. Whether you're interested in Nepal Economic Policy, Nepal Fiscal Policy, Nepal Government Budget decisions, taxation, investment opportunities, or broader economic trends, this episode provides valuable insights from two experienced Chartered Accountants. GET CONNECTED WITH Shesh Mani Dahal (CA) Facebook - https://www.facebook.com/smdahal LinkedIn - https://np.linkedin.com/in/smdahal Sandesh Paudyal (CA) Instagram - https://www.instagram.com/sanpaudyal/ Facebook - https://www.facebook.com/sandeshpp/ LinkedIn - https://np.linkedin.com/in/sandesh-paudyal88  

In this detailed market update, Parimal Ade breaks down the latest global economic developments, crude oil price movements, India's export trends, FDI inflows, and key Q4 FY26 company earnings updates.The session covers how the uncertainty around the US-Iran deal is impacting crude oil prices and global markets, why rising imports are widening India's trade deficit, and what investors should understand about changing FDI trends.Along with macroeconomic analysis, the video also discusses important company-specific updates from Page Industries, Eicher Motors, Info Edge, Fortis Healthcare, and NTPC.Topics Covered in This Video:✔ US-Iran deal uncertainty & crude oil price volatility✔ Brent crude near $97 — impact on global markets✔ US GDP growth expectations & private Capex trends✔ India's export growth & rising trade deficit explained✔ FDI inflow trends: Singapore, US & Mauritius✔ Page Industries Q4 FY26 Results Analysis✔ Eicher Motors record revenue & demand growth✔ Info Edge & Naukri business performance✔ Fortis Healthcare profit jump explained✔ NTPC earnings growth & renewable energy expansion✔ Impact of global events on Indian stock markets✔ Key insights for long-term investorsIf you want simplified insights on the Indian economy, global markets, and stock-specific developments, this video will help you stay updated with the latest trends shaping the markets.Subscribe to Yadnya Investment Academy for practical investing insights, stock market analysis, financial education, and long-term wealth creation strategies.00:00 Introduction01:37 US-Iran Deal Uncertainty & Oil Prices02:16 US GDP Expectations & Capex Growth02:59 India Export Growth Explained04:27 Rising Trade Deficit Concerns05:12 Changing FDI Trends in India07:25 Page Industries Q4 FY26 Results08:43 Eicher Motors Record FY26 Performance10:25 Info Edge & Naukri Business Growth11:34 Fortis Healthcare Profit Surge13:47 NTPC Earnings & Renewable Energy Expansion15:17 Final Market Takeaways#StockMarketIndia #MarketUpdate #CrudeOil #USEconomy #IndianEconomy #EicherMotors #NTPC #FortisHealthcare #InfoEdge #PageIndustries #FDIIndia #Useful Links:Stock-o-meter:https://investyadnya.in/stock-o-meterResearch Based Model Portfolios:https://investyadnya.in/model-portfoliosMutual Fund Reviews:https://investyadnya.in/fund-o-meterBooks & eBooks:Amazon - https://amzn.to/47x0RS4Flipkart - https://fktr.in/y3OZ3GFWebsite - https://shop.investyadnya.inConnect With Us:WhatsApp Channel - https://whatsapp.com/channel/0029Va6NBlog - https://blog.investyadnya.inTelegram - http://t.me/InvestYadnyaFacebook - / investyadnyaTwitter/X - / investyadnya#ITR2026 #IncomeTaxIndia #ITRFiling #ITR1 #ITR2 #ITR3 #ITR4 #TaxPlanning #IncomeTaxReturn #CapitalGainsTax #FnOTrading #PresumptiveTaxation #TaxSaving #CAYogeshKatariya #InvestYadnyaLEGAL DISCLAIMER:Use of this information is at the user's own risk. Tax laws are subject to change and individual applicability may vary. Please consult your Chartered Accountant or tax advisor before making tax-related decisions. Information is believed to be reliable but accuracy and completeness cannot be guaranteed.DISCLOSURES UNDER SEBI (RESEARCH ANALYST) REGULATIONS, 2014:Yadnya Academy Pvt. Ltd. (InvestYadnya) is registered with SEBI under Research Analyst Regulations, 2014 (Registration No. INH000008349).Neither the Research Analyst nor associates have any financial interest in the subject company.Neither the entity nor associates hold 1% or more securities of the subject company.No material conflict of interest exists at the time of publication.The Research Entity has not received compensation from the subject company in the past 12 months.

As Chartered Accountants Ireland surpasses 40,000 members, it has today published a new position paper on the future of AI and accountancy. The largest professional body on the island of Ireland is calling on Government to invest in AI-ready infrastructure, strengthen supports for SME adoption and embed AI skills and literacy across the education system. The position paper was launched alongside Deputy Malcolm Byrne T.D., Chair of the Oireachtas Committee on Artificial Intelligence. Accountants as trusted advisors The paper argues that in an AI-driven economy, accountants will play an increasingly important role as trusted business leaders providing governance, ethical oversight and assurance. While the paper acknowledges that AI will bring change to how the profession operates, it reinforces – rather than diminishes – the role accountants play in supporting robust, accountable decision-making. The Institute also challenges the narrative that accountants are at risk of being replaced by AI, highlighting instead how the profession is evolving alongside the technology. It emphasises that accountants must take a leading role in implementing AI within finance functions, ensuring systems are deployed responsibly, controls are robust, and outputs can be trusted. Rosemary Keogh, CEO, Chartered Accountants Ireland said "There is a common belief that AI will replace accountants, but the evidence simply doesn't support that. It reflects a misunderstanding of what modern accountants actually do. AI is automating routine, rules-based work and most accountants welcome that. It frees them up to focus on higher-value roles like strategy, risk and decision making. "The AI economy will run on trust. While AI can process extraordinary volumes of data, automate complex tasks, and generate insights at unprecedented speed, trust in those outputs depends on human oversight, ethical judgement and professional accountability. As AI systems become more widely used, the need for trusted financial information will only grow – and this is where accountants add real value." Accountants are already using AI across audit, reporting and advisory services, with recent research by Chartered Accountants Worldwide pointing to strong enthusiasm across the profession. 85% of respondents indicated a willingness to use AI tools in their work, with the younger generation overwhelmingly open to using these tools at 91%. The new position paper aims to provide leadership and clarity on how accountants can use the technology responsibly and effectively. Government policy needed to support AI adoption Chartered Accountants Ireland is calling for Government to support responsible AI adoption in several ways, noting that AI matters not just for accountants, but for Ireland. The paper sets out several recommendations, including: SMEs need to be supported on their AI journey – Supports from Enterprise Ireland, Local Enterprise Offices, and others need to be more accessible, and SMEs and their workforces given the opportunity to become AI literate cost-effectively. Investment in AI-ready infrastructure – For AI to work effectively, Ireland requires an underlying infrastructure that is strong, sustainable, and resilient. From data centres to electricity generation and investments in the national grid, the rightfoundations are needed to optimise the use of AI. Leading on EU simplification and AI regulation – During its upcoming EU Presidency, Ireland has a unique opportunity to lead on the EU's digital simplification package. Ireland should focus on ensuring regulations are proportionate for businesses and promoting the development of guidance and tools that enable businesses to apply AI productively and responsibly. Embedding AI literacy in education – courses in secondary schools and in further and higher education need to be adapted so that all young people are AI literate and aware of the technology's benefits, opportunities, and dangers. ACA syllabus world-leading in tec...

Tehillah Niselow speaks to Khaya Sithole, Chartered Accountant & Director of Corusca ConsultingSee omnystudio.com/listener for privacy information.

This episode explores how a Chartered Accountant can move beyond traditional finance roles to create meaningful community impact. Josh Hickford shares his journey from Big Four accounting and banking to founding a cancer support app and leading Taranaki Foundation. It is a conversation about resilience, technology, philanthropy and the evolving role of accountants in a digital world. Josh Hickford's career journey from PwC and TSB Bank to CEO of Taranaki Foundation Founding Ripple after a Hodgkin's lymphoma diagnosis in partnership with the Cancer Society Building a donor journey using digital tools like Raisely and Stripe Technology, automation and trust in community foundations Why human connection remains central to the future of Chartered Accountants This episode reminds us that accounting is not just about compliance or reporting. It is about leadership, confidence and using financial skills to build stronger communities. Technology may accelerate the journey, but purpose and people still lead the way. Apps & Tools Mentioned:  Raisely - https://www.raisely.com/  Sharesies https://sharesies.com.au/  Stripe, GoFundMe,  Otter.ai, Xero, Episode resources and links:   https://www.linkedin.com/in/joshhickford/  https://taranakifoundation.org.nz/    If this episode helped you, the best way to support the show is to leave a review somewhere as it helps more people find us. And if you want to continue the conversation, come find me Heather Smith | Accountant and Storyteller on:   LinkedIn: https://www.linkedin.com/in/HeatherSmithAU/  Accounting Apps newsletter: http://accountingapps.io/  Accounting Apps Mastermind: https://www.facebook.com/groups/XeroMasterMind  YouTube Channel: https://www.youtube.com/ANISEConsulting  X: https://twitter.com/HeatherSmithAU

In this episode of the Rich Lady Revolution Podcast, Diane sits down with Amanda Fisher from Financial Clarity - a Fractional CFO, Chartered Accountant, educator, and numbers expert who is passionate about helping business owners truly understand the financial side of their business.Together, they unpack the financial truths most entrepreneurs are never taught, including the numbers that actually matter, the difference between revenue and real profit, and why some businesses that look successful on the outside are quietly struggling underneath the surface.Diane shares her own vulnerable story of ending up on the kitchen floor in tears after receiving a tax bill bigger than her previous annual wage, simply because she didn't know what she didn't know about business finances.

— Today we explore the transformative power of failure with business transformation specialist and author Matthew Egan. In his groundbreaking book, The Failure Advantage: Why Setbacks Are Your Secret Weapon for Success, Matt challenges conventional beliefs about failure. He argues that our most significant missteps are not enemies but rather powerful allies that can propel us toward success. Are you a high-achieving professional burdened by the fear of failure? You're not alone. Many of us mask our struggles with polished performances, but underneath lies burnout and doubt. Matt helps us break free from fear-based thinking and reframe our setbacks as valuable feedback. Drawing on real-world case studies, cognitive science, and his own experiences, Matt teaches us how to cultivate resilience, embrace risk-taking, and lead with authenticity. Join us as we dive into insightful discussions about how to reclaim failure as a catalyst for growth and leverage it into your unfair advantage in both your career and life. Get ready to learn how to stop playing defense and start thriving in the face of adversity. Valeria interviews Matthew Egan — He is the author of  "The Failure Advantage — an Advisor, Thinker and Writer on Leading Change. Matthew Egan has over 20 years of experience leading change at organizations, including Microsoft and PwC. Throughout his career managing teams, working with C-suite executives, and driving transformation projects, he has observed how setbacks can either limit potential or serve as powerful catalysts for growth. Matthew is a Fellow of the Institute of Chartered Accountants, and recipient of multiple business accolades, but it's his personal experience with anxiety and failure that shapes his approach. Having faced his own professional challenges, he's passionate about helping others transform their relationship with failure.  Originally from Australia and now based in the UK, Matthew lives with his wife and son, who continue to teach him the most valuable lessons about embracing imperfection and finding opportunity in adversity.  Learn more about Matthew Egan!

In this podcast we discuss the decision by the major retailer John Lewis to withdraw from developing thousands of residential properties. Meanwhile, as thousands of small private lands quit the buy-to-let property, private equity firms and hedge funds continue to invest billions of pounds into the housing market. Watch full video: https://youtu.be/m5Aoqr4hquU New Tax Rise For Landlords In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag'. This is in addition to the hike in the stamp duty surcharge on second property purchases to 5%, which is having a detrimental effect on property development and flipping. Watch full video here - https://youtu.be/O38dvXPp22k Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. #johnlewisproperty #propertyinvestment #section24landlordtax #moneytips #buytoletlandlord

When money feels hard, it is often the system, not you.This week on The Wallet, Emilie Bellet (Vestpod) is joined by Krystle McGilvery, behavioural finance expert and Chartered Accountant, to unpack why traditional money advice fails so many people, especially those who are neurodivergent.They cover:Why financial avoidance is often a form of protectionHow time blindness impacts spending and planningThe link between impulse spending and frictionless paymentsWhy “discipline” is the wrong framework for moneyWhat a system that actually works for your brain looks likeThe information shared is for educational purposes only and is not financial advice.ResourcesConnect with Krystle via Krystle McGilvery and NeuroFinance OSInstagram: @krystle_mcgilveryLinkedIn: Krystle McGilveryAD | This episode is sponsored by Wealthify.Wealthify makes investing simple by managing your investments for you. And if you deposit or transfer into their Stocks and Shares ISA, you could earn between £50 and £1,000 in cashback. Open your account at Wealthify.com.T&Cs and minimum investments apply. Registration closes on 31st May 2026. Cashback varies by total investment amount. With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority.Connect with Vestpod:Sign up to The Edit newsletter: https://www.vestpod.com/subscribeCourses and bootcamps: https://www.vestpod.com/coursesFollow on Instagram: https://www.instagram.com/vestpodEmilie's book: You're Not Broke, You're Pre-Rich Hosted on Acast. See acast.com/privacy for more information.

TEATIME WITH MISS LIZ SERVES: LAURA YATESTitleThe Hummingbird Life: From Burnout to Joy, Connection & Aliveness TaglineWhen you return to yourself, joy becomes your way of living. TopicBurnout recovery, nervous system healing, joy as a practice, community connection, and living in alignment with self and nature.DescriptionIn this uplifting Teatime, Miss Liz welcomes Laura Yates, Ambassador of Joy and founder of The Hummingbird Life. Once a high-performing Chartered Accountant and finance leader across the UK and South Africa, Laura's life looked successful on the outside—but inside, she faced burnout, anxiety, and deep disconnection. That moment became her turning point. Choosing a new path, she rebuilt her life through nervous system healing, mindfulness, movement, and community. She went on to grow Secret Sunrise in Singapore—an outdoor sober dance movement that spread across Asia—and now leads global wellness retreats, ceremonies, and transformational experiences. Her work is rooted in three pillars:Connection to Self • Connection to Nature • Connection to Community. Through retreats, workshops, and sacred spaces, Laura helps others return to their wholeness, reclaim joy, and live in alignment with their truth.“Welcome to Teatime with Miss Liz, where I don't serve a beverage — I serve real-life changemakers. Today, I sit with Laura Yates, an Ambassador of Joy who turned burnout into a journey of healing, connection, and living fully alive.”Laura reminds us that joy is not something we chase—it's something we practice. When we reconnect with ourselves, nature, and community, we begin to live in alignment with who we truly are. Laura Yates is a wellness facilitator, Ambassador of Joy, and founder of The Hummingbird Life. After leaving a corporate career due to burnout, she rebuilt her life through healing, movement, and community. She now leads global retreats and workshops focused on nervous system healing, connection, and authentic living.Her T-E-E MessageSharing the sweet nectar of lifeNature Lover • Joy IgniterOne WordBubblyResources Website: https://the-hummingbird-life.com/ Instagram: https://www.instagram.com/thehummingbirdlife/ LinkedIn: https://www.linkedin.com/in/laura-yates-hummingbird/#TeatimeWithMissLiz#LauraYates#TheHummingbirdLife#JoyAsAPractice#TranscendEmbraceEnvision

In this episode, Chris Volpe returned to the podcast to discuss balancing his role as CEO of a 40-person cabinetry business with deep inner and spiritual work begun at retreats since 2019. He described how the work restored his ability to feel, increased joy and presence, improved how he leads at work, and helped him process recurring layers of lessons through practices like inner child work and chakra-based meditation. At a Bali retreat in June 2024, a guided chakra meditation led him into a vivid Egypt vision involving entering a pyramid sarcophagus, "dying," and being "reborn," which continued and completed in a second meditation. He later traveled through Italy with past-life experiences, then went to Egypt and privately entered the Great Pyramid, where a sarcophagus ceremony mirrored his Bali experience. After returning, he reported losing 10 kilos, shifting priorities, and developing deeper trust and peace through surrender. About Chris: Chris Volpe is a motivated accountant and entrepreneur with experience in business administration, operational systems, business restructuring and insolvency, leadership, and strategy. He is currently based in Byron, Australia and is the chief of Fox Wardrobes.  Chris is a passionate business man focused on delivering outstanding results for all involved. He is a fully qualified Chartered Accountant with a post graduate diploma in Insolvency Accounting with more than a decade of experience in business management. Key Points Discussed:  (00:00) - The Game Is Rigged - Why Success Still Leaves People Empty! (01:04) - Podcast Welcome Back (02:00) - CEO Life And Authenticity (04:41) - Five Years Of Inner Work (07:40) - Feeling Again Through Emotions (10:44) - Why Bali Retreat Called (15:15) - Arriving And Patterns Emerging (17:16) - Chakra Meditation Egypt Journey (20:06) - Sarcophagus Death Rebirth (22:57) - Aftermath And Surrender Lesson (24:04) - Rebirth In Meditation (25:39) - Chakras As Blueprint (27:05) - Bali Integration High (28:12) - Italy Past Life Pilgrimage (31:38) - Choosing Egypt Despite Fear (32:41) - Private Pyramid Ceremony (36:42) - Lessons And Transformation (39:40) - Advice For The Hesitant (42:55) - Why This Belongs In School (44:58) - Healing Family And Community (46:51) - Final Takeaways And Wrap How to Contact Chris Volpe:foxwardrobes.com.au   About me:My Instagram: www.instagram.com/guyhlawrence/?hl=en Guy's websites:www.guylawrence.com.au www.liveinflow.co''

Ritchie Nkana is a Chartered Accountant turned Peak Performance Architect. He spent over 20 years in banking, quietly burning out as the classic “chubby banker”... successful on paper, exhausted in real life. A few health scares and some honest conversations at home forced Ritchie to rebuild his operating system from the inside out. Along the way Ritchie became a Personal Trainer, sports nutritionist, metabolic conditioning coach and pain-free performance specialist. But what changed his life wasn't just muscle, it was systems.Those systems evolved into The Operator's Edge™: a set of frameworks that help performance-minded leaders win across four pillars – health, enterprise, relationships and legacy, without burning out. Today Ritchie works with founders, executives and professionals who want full-spectrum success, not just a bigger job title.Contact Richie Nkana:www.RitchieNkana.ComX: https://x.com/RitchieNkanaDr. Kimberley LinertSpeaker, Author, Broadcaster, Mentor, Trainer, Behavioral OptometristEvent Planners- I am available to speak at your event. Here is my media kit: https://brucemerrinscelebrityspeakers.com/portfolio/dr-kimberley-linert/To book Dr. Linert on your podcast, television show, conference, corporate training or as an expert guest please email her at incrediblelifepodcast@gmail.com or Contact Bruce Merrin at Bruce Merrin's Celebrity Speakers at merrinpr@gmail.com702.256.9199Host of the Podcast Series: Incredible Life Creator PodcastAvailable on...Apple: https://podcasts.apple.com/us/podcast/incredible-life-creator-with-dr-kimberley-linert/id1472641267Spotify: https://open.spotify.com/show/6DZE3EoHfhgcmSkxY1CvKf?si=ebe71549e7474663 and on 9 other podcast platformsAuthor of Book: "Visualizing Happiness in Every Area of Your Life"Get on Amazon: https://amzn.to/4cmTOMwWebsite: https://linktr.ee/DrKimberleyLinertThe Great Discovery eLearning platform: https://thegreatdiscovery.com/kimberleyl

Ankur Aggarwal is an Indian‑born entrepreneur and real estate developer based in Dubai, best known as the founder of Bricks & Woods. A Chartered Accountant by trade, he moved to Dubai just before the COVID‑19 pandemic and rapidly transformed from a struggling broker into a real estate tycoon, overseeing billions in sales and luxury developments across Ras Al Khaimah and Dubai. He leads a massive, multicultural team with a focus on high-end quality and ethical business practices, inspiring aspiring entrepreneurs with his journey from a humble childhood to building a lasting legacy of abundance.#hikmatwehbipodcast #podcast#arabicpodcast #Ankur_Aggarwal#bnwdevelopments#wstudiodxbحكمت_وهبي#حكمت_وهبي_بودكاست#

Clare GAA has a new Head of Operations, with Ann Marie Moran officially taking up the role this month. A Chartered Accountant and IT Project Manager by profession, and someone with deep roots in club and county GAA through Corofin and Corofin/Ruan, Ann Marie steps into the position at a key time for the organisation. Ann Marie spoke with Alan Morrissey on Tuesday's Morning Focus to talk about her first weeks in the role and what lies ahead for Clare GAA.

In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag'. Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

In today's episode on 13th Jan 2026, we explain why the Institute of Chartered Accountants of India (ICAI) wants the government to let married couples file income tax returns jointly.⁠Book a FREE call with Ditto for your health and term insurance needs⁠

Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%! Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank. The London property market has also suffered a 2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the budget which saw the introduction of a mansion tax. Watch video here - https://youtu.be/tk1aT-TMAwo?si=3aDdg9cbbXyO-Foa Property prices in London and parts of the South East fell this year by up to 8.9%, as Silver surged 138% and Gold continued its upward trajectory rising by just under 58%! Crawley, a town close to Gatwick airport in West Sussex, suffered an 8.9% drop of £36,000, with High Wycombe falling 7.4% wiping £34,000 off average house values. Even trendy Brighton was hit with a 4.8% or £20,000 dive, according to Lloyds bank. The London property market has also suffered a 2.4% year on year decline of 2.4%, not helped by a weak economy, tax hikes, Stamp Duty increase in April and uncertainty over the budget which saw the introduction of a mansion tax. Overseas buyers have dried up, non-doms and the rich are leaving the UK in droves and property landlords have been selling up partly due to the Renters Rights Act and the abolition of Section 21 ‘no fault evictions'. Chancellor Rachel Reeves announced a new tax surcharge on rental income profits in her budget, which sees the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs. Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc.), they still need the estimated 2.8 million private buy-to-let property landlords. Opportunities in 2026 Experienced investors will be sitting on cash and watching the housing and stock markets for opportunities to snap up assets at bargain prices, but timing the market can be tricky. See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s Gold and silver outperformed the markets and investors and central banks piled into metals amid speculation of an AI-driven stock market bubble. How to Invest in Gold and Silver? There are various ways to invest in Gold and Silver. You can buy physical Gold and Silver coins, bars or bullion online through reputable dealers (see below for more details). Always seek professional advice before investing. See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free. Join me online on my free live money management training Wednesday at 7.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Did you reach your goals and targets in 2025? What goals have you set for 2026? I wish you a Happy and Prosperous New Year and hope you achieve your dreams. #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

My guest today, Vera Cherepanova, shares the importance of being ethical at work and how we can leverage our values to create safer work environments.In my discussion with Vera, we chatted about:Why ethics is so important to Vera, and how she got into her line of work.The definition of ethical leadership.How ethics and compliance support the growth of an organization.How we can hold true to our values as working women when working in male-dominated industries.How we can advance from leadership to a seat on a company's board.And more. Here's more about Vera:Vera is the Executive Director of a non-profit, Boards of the Future™, a Chartered Accountant, and an award-winning Ethics and Compliance expert who writes and speaks about business ethics, governance, risk, and workplace culture.She is the author of Corporate Compliance Program, the first-ever book on compliance in the Russian language, and a co-author of The Transnationalization of Anti-Corruption Law, as well as hundreds of articles on all aspects of ethics, risk, compliance, and governance. Her insights have been featured in the Financial Times, Wall Street Journal, Law360, CityAM, and Thomson Reuters. Vera serves as a corporate director and ethics advisor for market-leading corporations and international not-for-profits. Before we begin, if the Brave Women at Work Podcast has helped you personally or professionally, please share it with a friend, colleague, or family member. And your ratings and reviews help the show continue to gain traction and grow. Thank you again!

https://vimeo.com/1135918794?share=copy&fl=sv&fe=ci As agents of transformation, so many of us are here to disrupt the status quo, to disrupt the old patterns, and we wanna do it with love, we want to do it with care, with a calming presence creating spaces where people feel seen and supported and safe and yet sometimes when we do that we actually re-create all the old paradigms all over again, or put ourselves back in the corset of expectation. So, how do we move through that to get to a place that's true and aligned, as a space holder. Heather Stewart is here to share her story with us and these beautiful insights from her crown of amethyst. Join us, for this beautiful, multidimensional and all out amazing conversation. Heather Stewart was an accountant in corporate finance during a previous time of her life. She ran her own yoga studio for 10 years and a private massage therapy practice for 14 years. She spent 13 years guiding kayaking trips on the Gregorian Bay. She is a personal trainer and Certified Meditation Facilitator. She loves everything wellness and has a passion for teaching. Heather's mission is to help others find how to be their best selves. Heather's podcast, Illuminate Your Worth has gone global as a live TV show broadcasting to over 300 channels. Heather also offers support with Coach in Your Pocket, a monthly subscription service of real time access to Heather's support, energetic recalibration and soul aligned clarity when you need it most. Watch or listen to the show to discover ways to find how to be your best self and live your best life. You're Invited! FREE GIFT: Alignment Activation Audit One hour with Heather to dig deep into the patterns that are holding you back from being fully aligned and in your life. https://5nx2p6.share-na3.hsforms.com/2Bm3rvgA0TwunKev3fASu0Q LISTEN: Illuminate Your Worth podcast https://www.inspiredchoicesnetwork.com/podcast/illuminate-your-worth-heather-stewart/ QUOTES If you can believe you are the person you desire to be, you can take the steps for it. If you can't trust yourself, how can you trust the rest of the world? Everyone is an experiment of one. The only one that is going to know it's a fit for you is you. HEATHER STEWART BIO Heather Stewart is a transformation guide and coach for women ready to rewrite their definition of success into one that's rooted in alignment, not burnout. After a 15-year career as a Chartered Accountant, she made a bold leap into the world of wellness, building thriving businesses in yoga, massage, and coaching. Known for her grounded wisdom and calming presence, she creates spaces where women feel seen, supported, and safe enough to transform. Her work is about helping women trust their own timing, follow the call within, and create a life that feels as good on the inside as it looks on the outside. She's living proof that you can change course and not just survive it, but thrive in it. LINKS Website: https://heatherstewart.coach Podcast: https://www.inspiredchoicesnetwork.com/podcast/illuminate-your-worth-heather-stewart/ Facebook: https://www.facebook.com/heatherstewartcoaches Instagram: https://www.instagram.com/heatherstewartcoaching/ LinkedIn: https://www.linkedin.com/in/heatherstewartcoaching/ YouTube: https://www.youtube.com/channel/UCb84Op3vnnrPbxKi0BxtlKQ   YOUR GUIDE TO SOUL NECTAR: KERRI HUMMINGBIRD Kerri Hummingbird, Medicine Woman, Mother and Mentor, is the Founder of Inner Medicine Training, a Mystery School that shares potent ancient traditions from the Andes and Himalayas for owning your wisdom and living your purpose. She is the #1 international best-selling author of “Inner Medicine: Becoming One with Mother Earth for the Survival of Humanity”, “Love Is Fierce: Healing the Mother Wound”, “The Second Wave: Transcending the Human Drama” (on the int'l bestseller charts for over 6 years) and the award-winning best-selling book “Awakening To Me: One Woman's Journey To Se...

OnlyFans creators and social media influencers who risk being named on Revenue's quarterly tax defaulters list say they fear for their personal safety if their home addresses are published. For more on this we heard from Brendan Brady, Chartered Accountant from Brady & Associates.

In another blow long suffering UK landlords, Chancellor Rachel Reeves has announced a new higher rate of tax surcharge on rental income profits in her budget, which will see the tax burden rise to record levels. Buy-to-let landlords will pay a tax rate two percentage points higher than the basic and higher rates of tax from April 2027. Frozen threshold bands until 2030 means most of us will pay more tax due to ‘fiscal drag'. Savers, family businesses and pensioners will also be hit, whilst the welfare budget heads towards £2 TRILLION. Watch full video here - https://youtu.be/O38dvXPp22k There were a raft of hikes including a mansion tax on properties worth more than £2 million, mileage charge on EVs Although successive governments seem to be doing their best to encourage the big corporate landlords and drive small landlords out of business (Section 24, licensing, increased red tape etc), they still need the estimated 2.8 million private buy-to-let property landlords.  See interview with Chartered Accountant and Tax Specialist - https://youtu.be/aMuGs_ek17s What This Means for You These tax changes could reshape property investing, retirement planning, and asset strategies. If you're a landlord, investor, or homeowner, now is the time to review your capital gains exposure, inheritance planning, and use of ISAs before the 26 November Budget drops. Why Invest in Gold and Silver? See full video - https://youtu.be/or-8kiTZZxM See my interview with Josh Saul, gold expert, discussing the merits of including precious metals in your portfolio. Click here https://pure-gold.co/charles-kelly for a free gold, investment report, and discovery call. For a free gold, investment report, and Discovery Call, click here.  https://pure-gold.co/charles-kelly 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH #UKBudget2025 #RachelReeves #TaxRiseAlert #CapitalGainsTax #InheritanceTax #CashISATax #CouncilTaxSurcharge #UKPropertyTax #MoneyTips #CharlesKellyPodcast #TaxPlanning #WealthProtection #goldsilverratio #gold #silver #moneymanagement

In this talk, Anusha Akkina, co-founder of Auralytix, shares her journey from working as a Chartered Accountant and Auditor at Deloitte to building an AI-powered finance intelligence platform designed to augment, not replace, human decision-making. Together with host Alexey from DataTalks.Club, she explores how AI is transforming finance operations beyond spreadsheets—from tackling ERP limitations to creating real-time insights that drive strategic business outcomes.TIMECODES:00:00 Building trust in AI finance and introducing Auralytix02:22 From accounting roots to auditing at Deloitte and Paraxel08:20 Moving to Germany and pivoting into corporate finance11:50 The data struggle in strategic finance and the need for change13:23 How Auralytix was born: bridging AI and financial compliance17:15 Why ERP systems fail finance teams and how spreadsheets fill the gap24:31 The real cost of ERP rigidity and lessons from failed transformations29:10 The hidden risks of spreadsheet dependency and knowledge loss37:30 Experimenting with ChatGPT and coding the first AI finance prototype43:34 Identifying finance's biggest pain points through user research47:24 Empowering finance teams with AI-driven, real-time decision insights50:59 Developing an entrepreneurial mindset through strategy and learning54:31 Essential resources and finding the right AI co-founderConnect with Anusha- Linkedin - https://www.linkedin.com/in/anusha-akkina-acma-cgma-56154547/- Website - https://aurelytix.com/Connect with DataTalks.Club:- Join the community - https://datatalks.club/slack.html- Subscribe to our Google calendar to have all our events in your calendar - https://calendar.google.com/calendar/r?cid=ZjhxaWRqbnEwamhzY3A4ODA5azFlZ2hzNjBAZ3JvdXAuY2FsZW5kYXIuZ29vZ2xlLmNvbQ- Check other upcoming events - https://lu.ma/dtc-events- GitHub: https://github.com/DataTalksClub- LinkedIn - https://www.linkedin.com/company/datatalks-club/ - Twitter - https://twitter.com/DataTalksClub - Website - https://datatalks.club/

Some industries are easy to disrupt. Infrastructure isn't one of them. But by focusing on adoption over features, clarity over complexity, and tempo over comfort, Shelley Copsey has built FYLD into a company reshaping how frontline operations work.In this episode, she breaks down the real levers of transformation: making work visible, removing friction, earning trust in high-risk environments, and rebuilding leadership as the company scales. Her insights go far beyond infrastructure - they're a blueprint for any CEO trying to grow a company inside a resistant or complex market.What you'll learn:

New research has found that some 58% of Irish shoppers plan to make Black Friday purchases on retailer websites with a .ie domain, citing stronger trust, security and a desire to support Irish businesses as key reasons.The research, carried out by Core Research on behalf of Ireland's national domain registry (.ie) also showed that some 55% of respondents plan on making a purchase during Black Friday or Cyber Monday. I caught up with David Curtin, Chief Executive of .ie to find out about more of the surveys results and how to shop online safely.David talks about why .ie is safe, online shopping tips, consumers rights, tips for business owners and more.More about David Curtin:David Curtin joined Ireland's national domain registry (.ie)in November 2002, and was appointed interim Chief Executive in October 2003 and Chief Executive in January 2004. David worked for eight years in Dublin and Paris with the Jefferson Smurfit Group plc. He was Chief Executive of Smurfit Software Services, project manager for the Smurfit Group's Hyperion systems implementation, and internal auditor of Smurfit Ireland. Prior to this he worked for KPMG in Dublin and Philadelphia. David is a graduate of UCD, a Fellow of the Institute of Chartered Accountants and holds a first class honours MBA from the UCD Smurfit School.

New research has found that some 58% of Irish shoppers plan to make Black Friday purchases on retailer websites with a .ie domain, citing stronger trust, security and a desire to support Irish businesses as key reasons. The research, carried out by Core Research on behalf of Ireland's national domain registry (.ie) also showed that some 55% of respondents plan on making a purchase during Black Friday or Cyber Monday. I caught up with David Curtin, Chief Executive of .ie to find out about more of the surveys results and how to shop online safely. David talks about why .ie is safe, online shopping tips, consumers rights, tips for business owners and more. More about David Curtin: David Curtin joined Ireland's national domain registry (.ie)in November 2002, and was appointed interim Chief Executive in October 2003 and Chief Executive in January 2004. David worked for eight years in Dublin and Paris with the Jefferson Smurfit Group plc. He was Chief Executive of Smurfit Software Services, project manager for the Smurfit Group's Hyperion systems implementation, and internal auditor of Smurfit Ireland. Prior to this he worked for KPMG in Dublin and Philadelphia. David is a graduate of UCD, a Fellow of the Institute of Chartered Accountants and holds a first class honours MBA from the UCD Smurfit School. See more podcasts here.

A property investment strategist and accountant with seasoned experience spanning three decades, TransformBiz Managing Director Vineet Danwar merges personalised, ethical guidance with practical strategies. From India to Australia, and from leaving his comfort zone to diving into a dynamic career path, he proves himself as a force to be reckoned with. Certainly always on the constant lookout for ways to apply his skills and create value, he now helps Aussie families unlock their full borrowing potential and build long-term property portfolios. Hosted on Acast. See acast.com/privacy for more information.

In our October 2025 Community Chat, and with members of the Caribbean tech community, Founder and Lead Consultant of ProTradeConsult, Lisa Callender of Jamaica, and Chartered Accountant, Certified Information Systems Auditor, and Certified Information Privacy Professional, Allison James of Barbados, the panel discusses:   *  the relevance of harmonised technology regulation in growing our economies through the free movement of people and integrated payment platforms;   *  can blockchain technologies be a new development partner for the Caribbean?, and   *  investing in AI: What should be the region's priorities?    The episode, show notes and links to some of the things mentioned during the episode can be found on the ICT Pulse Podcast Page (www.ict-pulse.com/category/podcast/)       Enjoyed the episode?  Do rate the show and leave us a review!       Also, connect with us on: Facebook – https://www.facebook.com/ICTPulse/   Instagram –  https://www.instagram.com/ictpulse/   Twitter –  https://twitter.com/ICTPulse   LinkedIn –  https://www.linkedin.com/company/3745954/admin/   Join our mailing list: http://eepurl.com/qnUtj    Music credit: The Last Word (Oui Ma Chérie), by Andy Narrell Podcast editing support:  Mayra Bonilla Lopez   ---------------  

Wake up with Sean Farrington to get all the latest in the world of business. The Institute of Chartered Accountants in England and Wales says UK business confidence hit its lowest level in three years in the third quarter. The BBC's Business Editor Simon Jack sits down with Jamie Dimon, CEO of JP Morgan Chase. And Sean's been speaking to Stephen Critchlow of Evergreen Life, which has been described as the fastest-growing tech company in Britain.

Have you ever dreamed about about launching a new venture with a business bestie, only to wonder if you could actually pull it off without losing your friendship (or your mind)? This week's episode of She's The Business Podcast is all about what really happened when two friends decided step up and create a big, bold business event in public - sharing the process with their community - mishaps and all. Today, I'm joined by Mia Fileman and Fi Johnston - the creative powerhouses behind Ripple Family Festival, Australia's fresh new “non-conferency” business event. These two are doing things very differently: they're breaking away from the same old conference model, focusing on community, creativity, and human connection, while bootstrapping it all from their own pockets… and making every part of the process public. I just had to bring them on and get the inside scoop on what it takes to launch something so ambitious, while still juggling their own businesses and keeping their friendship strong. Here's a peek at what we covered: Why did Mia and Fi feel small business owners needs something beyond the typical conference - and how did they land on throwing a festival? What's really involved in planning a major event from scratch, especially when you're funding it all yourselves? How do you pick speakers who truly add value (spoiler: it's not about big names or generic pitches)? What's the real story behind building “in public” - the wins, the awkward lessons, and why they believe it's a game-changer for honest connection? How do you make the business partnership work when your co-founder is also your friend and both of you are clear on serving your audience first? If you've ever dreamt of launching something that leaves a lasting impact - or just want a refreshingly honest look behind the scenes of a gutsy business adventure - this episode is for you. Don't miss it! About Our Guests: Fi Johnston is a small business expert with 24 years of experience advising, coaching, and consulting small brands on money and business strategy. She is the founder of Peach Business, which helps small businesses run profitable and sustainable brands. A Chartered Accountant, Fi has the credentials and experience to help small businesses become long term success stories. Mia Fileman is a marketing and campaign strategist and Campaign Del Mar founder. Mia has spent the last 13 years mentoring and training smaller brands to create successful marketing brands. She is a widely published small business marketing expert and the host of Got Marketing? podcast. Connect with Mia and Fi at the Ripple Festival: Ripple Festival https://www.ripplefestival.au/ Instagram: https://www.instagram.com/ripple_festival/ Facebook: https://www.facebook.com/RippleFestivalAU/ Ripple Festival tickets: https://www.ripplefestival.au/tickets ..................................................... Join me for a FREE LIVE class where I reveal the exact things that help you attract quality clients! The Magnetic Formula is a 5 part blueprint that doesn't add more hours or yet another platform to your day! Instead I reveal the strategic approach that most business owners never figure out - and once you have it you can unlock a new phase of growth! Register now: https://www.jessicaosborn.com/tmf ..................................................... Loving this podcast? Please drop a 5 star rating to help others find it too! If you have a spare 30 seconds we would be so grateful if you would leave a short review. Simply hit the 5 stars and add a few words of your own about your experience listening to She's The Business Podcast. You might be chosen as the review of the month and featured on an upcoming episode! .................................................... She's The Business Podcast Website: https://www.jessicaosborn.com/podcasts/she-s-the-business-podcast-with-jessica-osborn DID YOU KNOW we also publish episodes on YouTube so you can watch them? >> She's The Business on YouTube > https://www.youtube.com/@Jessica.osborn Apply to be a guest on She's The Business Podcast Do you have a story or relevant expertise to share with our global audience of female entrepreneurs? Apply to be a guest on She's The Business with Jessica Osborn here: https://jessicaosborn.com/podcast ......................................................... About your host: Jessica Osborn is a strategic business coach who helps online experts step into authority and attract premium clients with ease. Drawing on 25 years in marketing and 15 years as a successful entrepreneur, she teaches women how to design signature programs and position themselves powerfully in their niche - building profitable, sustainable businesses that deliver multiple six-figure years without sacrificing their lifestyle. Learn more & book an intro call: https://jessicaosborn.com Instagram or Threads: https://instagram.com/jessica.osborn LinkedIn: Https://linkedin.com/in/jessicaaosborn Facebook: https://facebook.com/jessicaosborn.bxcoach

For more content, find me on Substack: https://bogumilbaranowski.substack.com/P.V. Ramanathan is a Dubai-based entrepreneur, chartered accountant, and fund-of-funds manager who led a successful leveraged buyout in 2003, founded Neeti Fund, and hosts the prestigious ValueX Middle East conference annually.3:00 - Ram's middle-class Indian upbringing and early exposure to family finances through banking errands with his father, sparking entrepreneurial drive6:00 - Career journey from Ernst & Young Dubai to Schlumberger, learning business operations by spending weekends on oil rigs in coveralls9:30 - "Money has always been an enabler for me" - philosophy shaped by helping replenish father's education investment13:00 - Transition from CFO role to leading a management buyout of corrosion services business, discovering value investing simultaneously18:00 - Building Corrosion Technology Services (CTS) without leverage: "We are bottom feeders. Anyone who works for us six years is potential competitor"25:00 - Investment philosophy: Four-bucket approach (value, growth, ballast funds) targeting steady single-digit returns with downside protection32:00 - Contrarian belief: "Don't fixate on short-term results" - explains why quarterly obsession drives counterproductive business behavior41:00 - Business survival principles: Zero leverage, conservative revenue recognition, maintaining cash reserves through all cycles50:00 - Global investment opportunities: Highlighting undervalued Korean market and biotech sector despite volatility57:00 - ValueX Middle East origins and Toastmasters impact: "All of us are better than some of us" - community building philosophy63:00 - Definition of success: "Making positive difference in every endeavor I undertake" - touching lives through business, investing, and relationshipsPodcast Program – Disclosure StatementBlue Infinitas Capital, LLC is a registered investment adviser and the opinions expressed by the Firm's employees and podcast guests on this show are their own and do not reflect the opinions of Blue Infinitas Capital, LLC. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice.Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed.Information expressed does not take into account your specific situation or objectives, and is not intended as recommendations appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment adviser to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

What is a theology of real estate? What does it look like for you to view real estate as a calling rather than just a career? In this thought-provoking episode of The Faithful Agent Podcast, Garrett Maroon sits down with Brett Johnson to explore the powerful concept of a “theology of real estate.” Brett challenges listeners to view their work not simply as transactions or commissions, but as a divine assignment with eternal significance.Together, they dive into the biblical importance of place, the ethical responsibilities of real estate professionals, and how agents can serve as stewards of God's creation. This episode will stretch your thinking and inspire you to ask deeper questions—not just about what you do, but why you do it. Whether you're a new agent or a seasoned broker, this conversation will help you reframe your role through a kingdom lens and step more fully into your calling.Brett Johnson is a Chartered Accountant, author, and founder of The Institute for Innovation, Integration & Impact, Inc. With 40+ years of experience and work with 400+ companies worldwide, he helps organizations pursue purpose beyond profit through leadership, innovation, and societal transformation.Connect with Brett HERE to find his books, free resources, podcast & more!TakeawaysA theology of real estate highlights God's purpose in property and place.“Place” matters deeply throughout the Bible—and still does today.Work is a divine assignment, not just a means to earn.Real estate can be a powerful tool for community restoration.Agents can empower first-time buyers and underserved groups.We need innovative, faith-filled solutions for housing affordability.Asking deeper, purpose-driven questions leads to lasting impact.The church holds untapped potential to bless neighborhoods through land and property.Real estate should serve people, not just investors.Understanding God's intent transforms how we work and serve.Chapters 00:00 – The Theology of Real Estate 06:03 – Understanding Place in God's Plan 11:58 – The Purpose of Real Estate 17:58 – Empowering First-Time Homebuyers 23:56 – Creative Solutions for Housing Affordability 30:00 – Building a Theology of Real Estate⭐️ Rate & Review:If this episode challenged or encouraged you, leave a 5-star review and share it with another Christian agent who needs to hear this message. Resources & Opportunities:

In this week's episode of the Real Integrative Medicine podcast, Dr. Jordan Robertson and Dr. Keara Taylor delve into the complexities of PMS and PMDD, exploring the emotional and physical symptoms often associated with these conditions. They discuss the importance of understanding hormonal fluctuations, the role of lifestyle changes, and the various treatment options available, including both medical and natural approaches. Dr. Taylor shares insights on the latest research and the importance of personalized treatment plans for women experiencing PMS.----Dr. Keara Taylor is a Naturopathic Doctor with a clinical focus in women's hormonal health, supporting patients with PMS, PCOS, period problems, perimenopause, and menopause. As a Menopause Society Certified Practitioner (formerly NAMS), she is dedicated to providing comprehensive, evidence-based care to guide women through their hormonal transitions with confidence and ease. A lifelong learner with a deep curiosity for health and wellness, Dr. Keara's path to patient care wasn't straightforward—she spent six years as a Chartered Accountant before discovering her true passion. Now, she's on a mission to cut through the noise of online misinformation and provide her patients with clear, evidence-based solutions. Dr. Keara holds a Doctor of Naturopathy from the Canadian College of Naturopathic Medicine and an Honours Bachelor of Health Sciences from Western University. Outside of practice, Dr. Keara can be found buried in a book or outdoors with her family, skiing, playing tennis, or swimming in the lake.Follow Dr. Keara on Instagram Discover Dr. Taylor's Course----Dr. Jordan Robertson is a leader in naturopathic and integrative medicine. She is dedicated to evidence-based healthcare and founded The Confident Clinician, which empowers practitioners with up-to-date research and practical tools. With over 15 years in clinical practice and experience teaching at McMaster University's Health Sciences program, she bridges the gap between research and real-world application.Follow Dr. Jordan on Instagram----Do you ever wish there were a knowledge base built just for you?Have you searched for a resource that supported you so you could focus on what really matters for your business?The Confident Clinician is the ONLY medical knowledge base built for integrative practitioners.Over 750 clinician members have simplified their patient care by using our knowledge base and exclusive members-only education.Our knowledge base and clinical topics are updated on an ongoing basis and, and we offer exclusive members-only courses that support you, whatever your clinical focus.Ready to be supported in your work?Learn More About The Confident Clinician HereDiscover The Confident Clinician's 5-Day AI Smart-Search ChallengeWant to dive deeper? Explore the latest research breakdowns and practical tools on our blog----Thank you for listening. Please subscribe and share.

Dennis Schooley is the Founder and co-CEO of Schooley Mitchell, North America's largest independent cost reduction consulting firm.    With a background as a Chartered Accountant, Dennis has over 25 years of experience helping businesses reduce expenses and improve profitability.   Schooley Mitchell has grown into a powerful franchise network of over 320 offices, serving more than 32,000 clients and saving businesses over $1 billion.   Dennis explains that franchisees don't need to be experts in cost analysis, as Schooley Mitchell provides centralized support through a large team of specialized analysts.   He emphasizes the importance of lifelong learning, reading regularly, and leading with both passion and compassion.   Dennis also discusses their growing sustainability efforts, including planting thousands of trees for every new client and franchisee.   Additionally, he reflects on the meaningful impact of empowering business owners and creating opportunities for long-term success.   Website: Schooley Mitchell  LinkedIn: Dennis Schooley   Check out our CEO Hack Buzz Newsletter–our premium newsletter with hacks and nuggets to level up your organization. Sign up HERE.  I AM CEO Handbook Volume 3 is HERE and it's FREE. Get your copy here: http://cbnation.co/iamceo3. Get the 100+ things that you can learn from 1600 business podcasts we recorded. Hear Gresh's story, learn the 16 business pillars from the podcast, find out about CBNation Architects and why you might be one and so much more. Did we mention it was FREE? Download it today!

Another mixed bag of questions this week, including pension tax free cash, salary sacrifice for electric cars, de-risking a pension and buying gilts! Join us as we answer your most pressing questions! Shownotes: https://meaningfulmoney.tv/QA15  01:05  Question 1 Love the show, and whilst not all relevant to my own circumstances, find it all very interesting and enjoyable. Question :-You regularly discuss taking the 25% tax free and what to do with the rest (annuity or drawdown) but need advice as I have 4 different pension pots, 3 frozen and 1 existing employer. I am looking to take the 25% from one of the frozen ones to pay off mortgage but not clear on the below: - Can I keep the remaining 75% in the pension scheme and not take either drawdown or annuity until a later date (when I take early retirement)? - More importantly, I am sure I have read that once you start to take your pension, the amount you can contribute is capped.  How does this work if it is a frozen pension I am taking the 25% out of and would this impact on my current employer pension contributions? Thanks as always Paul 05:19  Question 2 Hi Pete and Roger, Absolutely love the show, after listening to yourself for a number of years, I'm 30 and would even go to say I'm financially savvy as a result of everything I've learned over the years I'm wondering if you could help me with a question? My retired dad was looking for an electric car and as I've got a salary sacrifice scheme with work it seemed the best way to get an electric car for him. My father said that he would give me the equivalent of the total rental amount in cash as I pay for the car via Salary sacrifice on a monthly basis. I'm obviously the policy holder, with the responsibility for it but my father would be named as a driver (unsure if this is relevant). This amount is around £35k, and I'm wondering if the worst was to happen (father kicking the bucket under 7 years) how would this be treated for tax purposes? As the money is in effect to pay for a good or service, would drawing up a contract or something of the like allow it to not be treated as a gift and exempt from the estate upon death, the same as if you send a family member money for a holiday or other purchases? Thanks so much for your help! Ruben 10:37  Question 3 Hi guys, love the podcast! I have a workplace pension that's currently invested in a fairly basic fund, and I'm looking to take more control over it by choosing my own investments. I'm 38, so I still have time before I need to think about de-risking. My plan is to allocate 80% to a global equity fund, 10% to the S&P 500, and 10% to global bonds. I don't have a huge amount invested, but it's enough to make me consider whether I should be a bit tactical with my approach. With global index funds near all-time highs, should I wait for a slight market dip before making these changes, or just go ahead and make the move now? Steve. 13:59  Question 4 Hi Pete, Great idea to pause the “new material” and focus on questions. I was thinking that there are only so many ways to skin a cat/re-frame a concept! I would very much like to hear a little more around the concept of a bond or gilt ladders as one approaches/reaches retirement. Despite being a Chartered Accountant and working in financial services, I'm embarrassed to admit that I become flummoxed when thinking about how to set such up. I understand gilts can be purchased individually and held to maturity (as opposed to gilt or bond funds), but where and how do we buy them if our retirement savings are tied up in our employer's pension scheme - and they certainly don't offer such! I dare say that the demographic of your listeners/viewers are “of a certain age” where this sort of subject would be of interest. Thanks and all the best Avid listener Peter Coleman 22:22  Question 5 Love your podcast, it's been really helpful since setting up our business. Got a question for you, my wife and I set up the business 3 years ago and it's gone incredibly well so far. After pension contributions at £60k each and paying ourselves a salary/dividend equal to £100k each per year, the business continues to accumulate money. We currently have £750k spread across multiple business savings accounts. However, is there a better way to manage this money? We have considered setting up a housing rental company but we have not looked into this in detail. We have a financial advisor who seems to focus heavily on pensions rather than what we can do with the surplus money. Thanks, Mark C 28:25  Question 6 Hi there, I've invested in vanguard index funds for over a decade and have recently begun to actually think what goes on behind the scenes? When we invest in passive funds, like S&P 500, does that money blindly go into the businesses that make up that fund - ie just giving money to them, not knowing how good they are as companies, just because they happen to be part of an index, they get the investor's cash? I read somewhere, for example, there's billions of dollars invested in Amazon from index funds yet all that money was given by people like me who have no idea about these businesses?  I feel like I've totally misunderstood how it works so interested to hear. Thanks, Marc