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Wednesday, August 26, 2026 Welcome to Point of View's Wednesday show with host Kerby Anderson. He opens the show with a recap of today's top stories. Then he welcomes Deneé Barracato, Executive Director of Chicagoland FCA. She shares how FCA ministry is launching in the Netherlands. Connect with us on Facebook at facebook.com/pointofviewradio and on Twitter @PointofViewRTS […]
After years of being the market's perennial underdog, Europe is finally having a moment. In this episode Moz Afzal sits down with Gerry Fowler, Head of European Equity Strategy at UBS, to explore why sentiment on European equities has shifted and why this upgrade in tone looks structurally different from false dawns of the past.Gerry walks through the bottom-up story reshaping the market – from AI capex “late cycle joiners” in cables, turbines and semis equipment to a broadening industrial recovery fueled by German fiscal stimulus. The pair also discuss why Spain and Italy have outperformed and the bifurcated outlook for European autos.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Gerry Fowler, Head of European Equity Strategy at UBShttps://bit.ly/3WUjyItEFG:https://www.efginternational.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in secu...
Welcome to episode 274 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. In this episode, the UK has issued a sanctions alignment following amendments by the UN, and the US has issued sanctions against Cuban officials and a Turkish-led Hizballah cash-smuggling network. Finally, the International Criminal Court has responded to the US sanctions imposed on two of its members. On enforcement news, the UK Gambling Commission has settled anti-money laundering and terrorist financing compliance failures against a gambling company, and the US has indicted a senior executive for alleged insider trading. Finally, the FCA has brought enforcement action against two individuals, APRA has published its 2026–27 Corporate Plan, and collaborative guidance has been proposed by the UKFIU to streamline reporting and reduce duplicative SARs filings for fraud victims.A transcript of this podcast, with links to the stories, will be available at www.crimes.financial. The photograph on the podcast cover art is by Sora Shimazaki at Pexels, and the stinger sample between each news section is ‘Ben Logo 1' by BenKirb from Pixabay.
[Verse 1]A stranger landed in my Telegram,Said, "Friend, I've got a better plan,"Five hundred dollars, follow my trades,Watch your little bankroll multiply in days.He's got the screenshots, he's got the proof,Another winning session coming through,A licence framed up nice upon the wall,But ask who issued it — no answer at all.[Pre-Chorus – Robotic Voice]Register, friend.Fund your account.Copy my signals.That's what it's about.Ask me a question?You're wasting your time.Stop chasing ghosts, friend,Come get in line.[Chorus]WHO ARE YOU, AMIR MAHVAN?Show me the man behind the screen.522666,But does it mean what you say it means?Pocket Option, FCA warning,Yet you're telling me everything's fine.I ask you for proof, you send me a link:"REGISTER, FRIEND — AND GET ONLINE."[Verse 2]Seventy-eight percent, another winning day,Fifteen grand profit — that's what the messages say,Sixty-seven trades and everyone's rich,Every screenshot somehow lands without a hitch.But where are the losses? Where's the audit trail?Who are the people behind every glowing tale?I searched for the man, I searched for the face,But independent answers were remarkably hard to trace.[Pre-Chorus – Robotic Voice]Register, friend.Don't question the game.Register, friend.Stop asking my name.Don't write your articles,Don't start your show,If you want the answers,There's one place to go...[Chorus]WHO ARE YOU, AMIR MAHVAN?Show me the man behind the screen.522666,But does it mean what you say it means?Pocket Option, FCA warning,Yet you're telling me everything's fine.I ask you for proof, you send me a link:"REGISTER, FRIEND — AND GET ONLINE."[Bridge – Spoken / Glitching]"Friend, you're chasing ghosts..."Then answer the questions."I'm busy making money..."Then answer the questions."My results are transparent..."Then answer the questions."The registration link is pinned..."There it is again.[Breakdown]Certificate on the wall,Profit on the screen,Telegram testimonialsShowing me the dream.But credibility isn'tSomething you can claim.If you're really who you say you are,Just verify your name.[Final Chorus]WHO ARE YOU, AMIR MAHVAN?I'm still waiting behind the screen.522666,Tell us exactly what that number means.You say the profits speak for themselves,You say your operation's transparent and clean,But every question gets the same damn answer:REGISTER!DEPOSIT!FOLLOW MY TEAM![Outro – Robotic Voice Slowly Breaking Down]Register, friend...Register, friend...Register, friend...Why aren't you trading?What's stopping you?Why weren't you with us?Just give it a try...Registration link available in the pinned message.[Hard stop]Support the show
Beat the system with TallyMoney. Gold you can spend. To get 50% off your activation fee, use code GBN50 on the activation screen: https://click.tallymoney.com/A64P/fnb6onmo #ad WATCH: Matt Goodwin accuses Labour of “imposing” asylum seekers on local communities after dozens of asylum seekers were moved into a small Welsh village without, he says, properly consulting residents. “This is extremism!” Goodwin says, as he criticises the government's approach and questions why local people were not consulted or told in advance.Goodwin describes the situation as “absolutely outrageous” and accuses the government of failing to listen to communities affected by asylum accommodation. He also questions the wider approach to migration, asking: “How about stopping the boats?” Meanwhile, concerns are raised over the impact of placing dozens of asylum seekers in a small rural community.Former Labour adviser Danny Shaw also reacts to the decision, as the debate intensifies over asylum accommodation, local consultation and the government's handling of migration. #labour #massmigration #mattgoodwin The purchase of gold and investment in bullion is not FCA regulated nor do they benefit from the protections of the Financial Services Compensation Scheme or the Financial Ombudsman Service. The value of your investment can go down as well as up. Consider the risks involved before choosing to invest. This card is issued by Transact Payments Limited pursuant to licence by Mastercard International Incorporated Keep up to date with GB News at gbnews.com or on X @GBNEWSBecome a Friend of GB News: gbnews.com/friend Hosted on Acast. See acast.com/privacy for more information.
Colin Payne is the Head of Innovation at the Financial Conduct Authority, the UK's financial regulator, where he is building the frameworks and platforms that will define the next decade of global finance. With over two decades at the cutting edge of fintech, he has worked with startups, unicorns, central banks, and regulators across the world to turn bold ideas into real financial products without ever compromising consumer protection. He leads the FCA's regulatory innovation team, running programmes like the Supercharged Sandbox and the Smart Data Accelerator that give companies a safe space to test the future of finance under real regulatory conditions. He also chairs the Global Financial Innovation Network, bringing together regulators from around the world to align on how new technologies like AI, digital assets, and open banking should be governed. He is one of the rare people who genuinely believes that regulation and innovation are not opposites, and has spent his career proving it. On The Menu:AI, data, and tokenization reshaping finance FCA flexibility for fast-moving technology evolutionWhat regulatory credibility looks like globallyTransparency, traceability, and human oversight over machines Companies compress development from years to months Trust money without understanding the mechanicsCompute and expert guidance compress development
Seguimos con la historia de Alberto, ahora con el inicio de su carrera en Chrysler, que luego se convirtiera a FCA, que luego fuera Stellantis. En el tiempo de los miles de banners. Y de ahi crecer hasta armar... los vehículos. Las configuraciones, pues.De ahí, la aventura de Zeekr: lanzar un producto desde cero. Literal, sin estructura, ¡sin oficina! Escuche y aprenda con este maestrazo. #LosDiosesDelMarketing es una producción de Básico FM con Agustín Gutiérrez y Alberto Cruz.
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
This week on This Week in AML, John Byrne and Elliot Berman examine FinCEN's record-setting $125 million enforcement action against UBS, the largest civil money penalty ever imposed against a broker-dealer for Bank Secrecy Act violations. They discuss what made the case significant, the consequences of repeated compliance failures, and the lessons financial institutions should take from the enforcement action. The conversation also covers FinCEN Director Andrea Gacki's departure for Citibank and what the appointment of Acting Director Jenna Casanova could mean for future enforcement priorities. John and Elliot then explore Senator Ron Wyden's report on financial institutions' handling of Jeffrey Epstein-related accounts, including proposed changes to suspicious activity reporting requirements and concerns about SAR confidentiality. They also review Capital One's defense of account closures tied to AML obligations and the broader debate surrounding claims of "debanking." Internationally, the hosts discuss the FCA's planned overhaul of transaction reporting requirements in the UK, ongoing challenges in accessing beneficial ownership registries across the European Union, and Transparency International's push for stronger global anti-corruption measures.
Enterprise artificial intelligence demand is booming, semiconductors remain volatile, and July's sharp sell-off has left investors asking whether the AI trade is cracking or simply resetting. Hosted by Moz Afzal, Global CIO at EFG, in conversation with Henry Walters, EFG Equity Analyst, this episode explores what drove the July wobble – from crowded positioning and leverage to rising rates and credit spreads – against a backdrop of robust tech earnings and surging AI capital expenditure. They also discuss the battle between open and closed AI models as well as the key risks that could shape where AI infrastructure spending goes next.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Henry Waltershttps://bit.ly/4wbDgiuEFG:https://www.efginternational.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. This document does not constitute and shall not be construed as a prospectus, advertisement, public offering or placement of, nor a recommendation to buy, sell, hold or solicit, any investment, security, other financial instrument or other product or service. It is not intended to be a final representation of the terms and conditions of any investment, security, other financial instrument or other product or service. This document is for general information only and is not intended as investment advice or any other specific recommendation as to any particular course of action or inaction. The information in this document does not take into account the specific investment objectives, financial situation or particular needs of the recipient. You should seek your own professional advice suitable to your particular circumstances prior to making any investment or if you are in doubt as to the information in this document.Although information in this document has been obtained from sources believed to be reliable, no member of the EFG group represents or warrants its accuracy, and such information may be incomplete or condensed. Any opinions in this document are subject to change without notice. This document may contain personal opinions which do not necessarily reflect the position of any member of the EFG group. To the fullest extent permissible by law, no member of the EFG group shall be responsible for the consequences of any errors or omissions herein, or reliance upon any opinion or statement contained herein, and each member of the EFG group expressly disclaims any liability, including (without limitation) liability for incidental or consequential damages, arising from the same or resulting from any action or inaction on the part of the recipient in reliance on this document.The availability of this document in any jurisdiction or country may be contrary to local law or regulation and persons who come into possession of this document should inform themselves of and observe any restrictions. This document may not be reproduced, disclosed or distributed (in whole or in part) to any other person without prior written permission from an authorised member of the EFG group.This document has been produced by EFG Asset Management (UK) Limited for use by the EFG group and the worldwide subsidiaries and affiliates within the EFG group. EFG Asset Management (UK) Limited is authorised and regulated by the UK Financial Conduct Authority, registered no.7389746. Registered address: EFG Asset Management (UK) Limited, 116 Park Street, London W1K 6AP, United Kingdom, telephone +44 (0)207 491 9111.Independent Asset Managers: in case this document is provided to Independent Asset Managers (“IAMs“), it is strictly forbidden to be reproduced, disclosed or distributed (in whole or in part) by IAMs and made available to their clients and/or third parties. By receiving this document IAMs confirm that they will need to make their own decisions/judgements about how to proceed and it is the responsibility of IAMs to ensure that the information provided is in line with their own clients' circumstances with regard to any investment, legal, regulatory, tax or other consequences. No liability is accepted by EFG for any damages, losses or costs (whether direct, indirect or consequential) that may arise from any use of this document by the IAMs, their clients or any third parties.If you have received this document from any affiliate or branch referred to below, please note the following:Australia: This document has been prepared and issued by EFG Asset Management (UK) Limited, a private limited company with registered number 7389746 and with its registered office address at 116 Park Street, London W1K 6AP (telephone number +44 (0)207 491 9111). EFG Asset Management (UK) Limited is regulated and authorized by the Financial Conduct Authority No. 536771. EFG Asset Management (UK) Limited is exempt from the requirement to hold an Australian financial services licence in respect of the financial services it provides to wholesale clients in Australia and is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FCA Registration No. 536771) under the laws of the United Kingdom which differ from Australian laws.ASIC Class Order CO03/1099EFG Asset Management (UK) Limited notifies you that it is relying on the Australian Securities & Investments Commission (ASIC) Class Order CO03/1099 (Class Order) exemption (as extended in operation by ASIC Corporations (Repeal and Transitional Instrument 2016/396) for UK Financial Conduct Authority (FCA) regulated firms which exempts it from the requirement to hold an Australian financial services licence (AFSL) under the Corporations Act 2001 (Cth) (Corporations Act) in respect of the financial services we provide to you.The financial services that we provide to you are regulated by the FCA under the laws and regulatory requirements of the United Kingdom which are different to Australia. Consequently any offer or other documentation that you receive from us in the course of us providing financial services to you will be prepared in accordance with those laws and regulatory requirements. The UK regulatory requirements refer to legislation, rules enacted pursuant to the legislation and any other relevant policies or documents issued by the FCA.Your Status as a Wholesale ClientIn order that we may provide financial services to you, and for us to comply with the Class Order, you must be a ‘wholesale client' within the meaning given by section 761G of the Corporations Act. Accordingly, by accepting any documentation from us prior to the commencement of or in the course of us providing financial services to you, you:• warrant to us that you are a ‘wholesale client';• agree to provide such information or evidence that we may request from time to time to confirm your status as a wholesale client;• agree that we may cease providing financial services to you if you are no longer a wholesale client or do not provide us with information or evidence satisfactory to us to confirm your status as a wholesale client; and• agree to notify us in writing within5 business days if you cease to be a ‘wholesale client' for the purposes of the financial services that we provide to you.Bahamas: EFG Bank & Trust (Bahamas) Ltd. is licensed by the Securities Commission of the Bahamas pursuant to the Securities Industry Act, 2011 and Securities Industry Regulations, 2012 and is authorised to conduct securities business in and from The Bahamas including dealing in securities, arranging dealing in securities, managing s...
Nic Cary reckons there is still up to £2m of Bitcoin buried in geocaches across Yorkshire. He hid it himself, more than thirteen years ago.He first heard about Bitcoin in 2011, on a small fishing boat on the Long Island Sound. A few years later he moved from the United States to York with a backpack and helped build the first block explorer for Bitcoin out of a two-bedroom flat near the racecourse.That project became Blockchain.com. It now has offices in six countries, an FCA registration, a MiCA licence covering Europe, and a confidential SEC filing ahead of a US listing.In this episode: • The fishing trip that started it • Why the company was built in York rather than London • The paper wallets hidden across Yorkshire, and what they were worth • From block explorer to wallet, and the case for holding your own keys • Polymarket, Snap Markets and tokenised stocks • How to explain Bitcoin without arguing with people • Why machines, not people, may make most payments within ten years • The three things he thinks everyone should readTimestamps:00:00 Coming Up00:40 Intro01:13 Hearing about Bitcoin on a fishing boat in 201106:12 Websites, clams and Pipeline CRM08:42 Why blockchain.com started in York12:46 Bitcoin hidden in geocaches across Yorkshire14:57 What it was worth at the time15:43 From block explorer to building a wallet18:03 Self-custody versus handing your money over20:26 Polymarket, Snap Markets and tokenised stocks22:20 How Nic's approach to explaining Bitcoin changed25:06 Store of value, stablecoins and peer-to-peer cash27:14 Why machines will transact in digital money29:33 FCA approval, MiCA and the SEC filing32:12 Three things everyone should read
Zum Abschluss des Trainingslagers am Achensee hat der FC Augsburg eine Torgala gefeiert: Mit 15:0 gewann der Bundesligist den einzigen Test während der Station in Österreich gegen den SC Schwaz, einen österreichischen Drittligisten. Welche Erkenntnisse von diesem dann doch recht einseitigen Spiel ausgehen, besprechen wir in der Viererkette mit unserem FCA-Reporter Marco Scheinhof.Außerdem geht es um den Abschied von Dimitrios Giannoulis. Der Transfer des Linksverteidigers zu Paok Saloniki zog sich lange so zäh wie Kaugummi - und fand am Tag nach dem Testspiel seinen Abschluss. Nachfolger Hennes Behrens hat sich beim FCA schon eingefunden, hat laut Trainer Manuel Baum das Zeug ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
We look at whether artificial intelligence is a help, or a hazard when it comes to helping you with your personal finances.One in five adults in the UK - around 11 million people - are already open to the idea of using AI to manage their finances, according to the Financial Conduct Authority. But using AI to manage our money is not without risk. The FCA, the organisation tasked with keeping us financially safe, says that regulators are in an "arms race" to keep up with AI in financial services. We speak to the man behind its new report, Sheldon Mills.And with the increase in AI useage likely to attract the scammers and the deepfakers, just how will regulation evolve to protect us?Alongside presenter Ruth Alexander and taking listener questions is Simon Belshaw who is Chief Client Officer at the investment company Hargreaves Lansdown. And we hear from Elle Farrell-Kingsley, and advocate for AI ethics who has previously worked on artificial intelligence for one of the big tech companies.Presenter: Ruth Alexander Producer: Craig Henderson Researchers: Niamh McDermott, Catherine Lund Editor: Jess Quayle Senior News Editor: Sara WadesonPictured: Sheldon Mills, Financial Conduct Authority(This edition was first broadcast on Wednesday July 8, 2026)
The ways in which regulators respond when things go wrong is continuing to evolve. In this episode of the FSR Brief, Jon Ford, Michael Tan and Eva Barbosa discuss the Financial Conduct Authority's ("FCA") Enforcement Watch 2, including consumer duty investigations and the continued use of assertive supervision alongside/ in lieu of enforcement, the Financial Reporting Council's ("FRC") changes to its Audit Enforcement Procedure to introduce new routes to resolution, including an Early Admissions Process, and the latest case brought by the Prudential Regulation Authority using the Early Account Scheme. They share insights into these different approaches and consider whether there may be learnings that could be shared across regulators. See here our blogs on the changes to the FRC's Audit Enforcement Procedure https://www.hsfkramer.com/notes/fsrandcorpcrime/2026-posts/financial-reporting-council-updates-its-audit-enforcement-procedure-with-new-routes-to-resolution and the FCA's Enforcement Watch 2 https://www.hsfkramer.com/notes/fsrandcorpcrime/2026-posts/fca-enforcement-watch-2-the-consumer-duty-moves-into-a-new-phase-of-scrutiny
Der FC Augsburg bereitet sich im Trainingslager am Achensee auf die neue Saison vor - und mittendrin ist unser Reporter Marco Scheinhof. In der Sonderfolge der Viererkette berichtet er, mit welch enormen Personen- und Materialeinsatz der FCA zu Werke geht. Ein kompletter LKW mit Ausrüstung begleitete den Bundesligisten von der Heimat nach Österreich. Außerdem geht es um die Zukunft von Torwart Finn Dahmen, die neue Situation in der Innenverteidigung mit Keven Schlotterbeck und Calvin Brackelmann sowie die - bis jetzt - insgesamt acht neuen Spieler, die der FC Augsburg für diese Saison bislang unter Vertrag genommen hat.Fragen, Feedback oder Themenwünsche? Schreibt ... Dieser Podcast wird vermarktet von der Podcastbude.www.podcastbu.de - Full-Service-Podcast-Agentur - Konzeption, Produktion, Vermarktung, Distribution und Hosting.Du möchtest deinen Podcast auch kostenlos hosten und damit Geld verdienen?Dann schaue auf www.kostenlos-hosten.de und informiere dich.Dort erhältst du alle Informationen zu unseren kostenlosen Podcast-Hosting-Angeboten. kostenlos-hosten.de ist ein Produkt der Podcastbude.
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
Meet John Heater, a Christ-centered servant leader with more than 25 years of experience in nonprofit leadership. Alongside his professional work, John has faithfully served in a variety of roles within his local church and brings a deep heart for ministry and people. John will begin serving in a dual role as Regional Director of Board and Donor Advancement, providing leadership and support to the SEC region. He will also continue supporting the Northwest Kentucky Metro Area ministries, helping ensure continuity, strength, and alignment. With extensive experience in donor and board development, John is passionate about cultivating strong donor relationships and building engaged, effective boards. He is excited to extend his gifts and talents through the impactful ministry of FCA.
In this episode, host Tessa Norman is joined by Leigh Bates, PwC's Global Risk AI Leader, and Lilia Christofi, PwC's EMEA Financial Services Data, AI and Tech Leader, to explore how financial services firms and regulators should respond as AI adoption accelerates and systems become more autonomous. Against the backdrop of the FCA-commissioned Mills Review and the Financial Services AI Adoption Plan (an independent report published by HM Treasury), our guests unpack the shift from experimentation towards AI at scale. They discuss what greater autonomy could mean for firms and consumers, where existing regulatory frameworks may come under pressure, and how firms need to evolve governance and assurance as AI moves from supporting decisions to taking actions. Finally, our guests share practical priorities for boards, and discuss the people, technology, data and operating-model foundations that firms need to be able to turn AI pilots into trusted, scalable deployment. If you'd like to find out more, contact our speakers at leigh.bates@pwc.com and lilia.v.christofi@pwc.com. You can also explore the full findings of PwC's AI Performance Study: https://www.pwc.com/gx/en/1/issues/tech-data-ai/ai-roi.html
In de FC Afkicken Daily van maandag 27 juli bespreken Lars van Velsum, Mart ten Have en Jean-Paul Rison het voetbalnieuws van afgelopen weekend! Zo werden er verschillende oefenwedstrijden gespeeld, kan Givairo Read een transfer maken naar de Premier League en gaat FCA eindelijk op fietsvakantie! Doe mee aan Coach van het Jaar via https://www.coachvanhetjaar.nl/xxlSee omnystudio.com/listener for privacy information.
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
What happens when the models, forecasts and systems have done all they can – and it's down to human judgment? Ocean racing skipper Boris Herrmann explains how he leads Team Malizia through some of the toughest races on the planet. While much of the race outcome is already determined through the preparation beforehand, intuition, trust and teamwork still play a vital role. Listen to this fascinating episode to hear what life is like in some of the most remote and demanding conditions.Our host, Moz Afzal:https://bit.ly/31XbkTROur guest:Boris Herrmannhttps://www.team-malizia.com/team/boris-herrmannEFGAM:https://www.newcapital.com/Important disclaimersThe value of investments and the income derived from them can fall as well as rise, and past performance is no indicator of future performance. Investment products may be subject to investment risks involving, but not limited to, possible loss of all or part of the principal invested. 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The Nations Championship delivered a final weekend of chaos as England survived a seven-card thriller against Argentina, with controversial calls, post-match bust-ups and massive performance from Manny Feyi-Waboso dominating the fallout. The lads debate whether England's successful tour has eased the pressure on Steve Borthwick, assess Ireland's costly collapse against the All Blacks at Eden Park and ask whether a gap is emerging between rugby's top three and the rest. There's also Scotland's impressive win in Fiji, another brutal afternoon for Wales against the Springboks, all the latest other news and the final Good, Bad & Ugly of Season 10. Find your forever cookware @hexclad and get 10% off at hexclad.co.uk/RUGBYPOD Check for FREE if you are due a refund in 60 seconds at: https://refundclub.co.uk/rugbypod Get £10 off Huel with the Code: RUGBYPOD or by visiting http://my.huel.com/RUGBYPOD *Refund Club is a trading style of Sandsford Law LTD. You can pursue a claim free of charge directly to your lender and then to the Financial Ombudsman Service. The FCA is likely introducing a free-to-use Consumer Redress Scheme; it estimates the average redress per agreement will be £829. Learn more about your ad choices. Visit podcastchoices.com/adchoices
Geraint Anderson was a "City Boy"—a high-flying stockbroker who documented the pure greed and psychopathy of London's financial elite. But there's a twist: Geraint himself is on the psychopath spectrum. In this gripping interview, he reveals the ruthless tactics used by the elites to manipulate the masses and, in a chilling finale, he measures me up and exposes my own weaknesses. --- - Get Geraint's book, "How to Con Friends and Manipulate People," here: https://amzn.eu/d/03V21rfP - Beat the system with my sponsor TallyMoney. Gold you can spend. To get 50% off your activation fee, use code ANDREW50 on the activation screen: https://click.tallymoney.com/A64P/rlff183a #ad --- We dive deep into the "checklists" used to identify psychopathic tendencies, why 20% of CEOs might actually be psychopaths, and how the 2008 financial crisis allowed the most ruthless individuals to get away with "stealing from your granny." This isn't just a look at the banking world; it's a guide to recognizing the manipulators in your own life—before they find your weakness. #Psychopath #DarkTriad #CityBoy #AndrewGold #Manipulation #FinancialCrisis #TrueCrime #Heretics Chapters 00:00 – The Psychopath Checklist: Where do you rank? 03:42 – Thrill-seeking and the "ultimate job" for a psychopath 05:33 – Why the elites got away with it 10:15 – The scoring system of greed: Money as status 12:30 – Stealing from your granny: Insider trading secrets 15:10 – A bullshitter of biblical proportions 19:50 – Breaking the "Mafia code of silence" in banking 23:05 – Are world leaders and influencers psychopaths? 31:14 – Fascism vs. Wokeism: The new authoritarianism 35:48 – The physiology of a female psychopath 42:15 – Using "minions" to do your dirty work 52:12 – The ruthless world of contract killers vs. bankers 01:01:34 – How a psychopath reads your intentions 01:03:30 – He reveals my biggest weakness... 01:06:12 – How to con friends and manipulate people --- The purchase of gold and investment in bullion is not FCA regulated nor do they benefit from the protections of the Financial Services Compensation Scheme or the Financial Ombudsman Service. The value of your investment can go down as well as up. Consider the risks involved before choosing to invest. This card is issued by Transact Payments Limited pursuant to a licence by Mastercard International Incorporated Learn more about your ad choices. Visit megaphone.fm/adchoices
Most women in uniform will tell you—building community while serving is one of the toughest challenges we face. But what if those small, simple invites—sharing a meal, a prayer, a coffee—are the real keys to transforming loneliness into strength? This episode unleashes powerful stories of courage, vulnerability, and divine timing in military sisterhood.From a West Point freshman's spiritual breakthrough sparked by a simple breakfast invite to a deployed woman's life-changing connection with a Christian sister—these moments prove that community is a divine invitation, not a perfect plan. You'll discover: how to extend authentic invitations even in chaos, how small acts of vulnerability build lasting bonds, and why intentionality with your time creates a rhythm of faith everywhere you go.We break down practical ways to find your people in every season and how to say yes and no with wisdom. These stories highlight the importance of community rooted in Jesus, showing us that even a shared prayer or a cup of coffee can ripple into lifelong faith friendships.If you've ever felt isolated, overwhelmed, or just not sure where you belong, this episode is your bold reminder: God is weaving your story with others. You don't have to do this alone—there's a divine purpose in every connection, every invitation, every moment of vulnerability.Perfect for military women craving authentic community, busy moms seeking deep roots, or anyone needing a fresh perspective on the power of simple acts of faith—hit play now and step into the community God is already creating around you.Why this works: This episode hits an immediate emotional chord with a compelling story of divine invitations, addresses real struggles with vulnerability and community, and offers clear, doable steps to build meaningful relationships. It's authentic, relatable, and invites action—perfect to turn browsers into listeners ready to grow in faith and sisterhood.In this episode:How a simple FCA breakfast changed one woman's spiritual journeyThe importance of small, consistent invitations in building communityCourage needed to extend invitations across seasons of move and changeNavigating the challenges of overcommitment and rejectionPractical ways to find and nurture faith-based relationships wherever you serveHow Paul's missionary journeys inspire our approach to community on the moveThe role of transparency, vulnerability, and prayer in accepting and offering invitationsEncouragement for introverts and extroverts alike to step into spaces where God is workingTimestamps:00:00 – Introduction: Why invitations matter in military community02:15 – Sharing personal stories of meaningful invitations03:36 – How God's biblical invitation has shaped our faith journeys06:46 – Stories of life-changing community moments in deployment08:46 – Small steps that lead to deep relationships12:36 – Challenges in accepting invitations: Overcommitment and vulnerability14:03 – How to wisely choose what to say yes or no to15:57 – Building ongoing community: The power of routine and consistency18:01 – Navigating logistical challenges, especially with family and moves22:48 – Overcoming feelings of not belonging in faith communities27:25 – Practical advice for newcomers and seasoned military women31:17 – Turning everyday moments into faith-sharing opportunities33:35 – Creative ways to build community: Meetups, home groups, and spontaneous gatherings37:52 – The importance of mutual connections and trusting God's network41:23 – Finding community in unique and unexpected places44:43 – Encouragement always to start where you are — God's faithfulness in remembering faces and stories48:08 – The importance of intentionality in building community, even in a busy military schedule55:54 – The ripple effect of one invitation — how building relationships impacts generations58:52 – A prayer for courage, community, and faithfulness in all seasons
Welkom bij aflevering negendertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je, voor de laatste keer, in dertig minuten bijpraten over het laatste WK-nieuws! Spanje was heer en meester in de finale tegen Argentinië. Het is dan ook niet meer dan terecht dat Donald Trump de wereldbeker aan Rodri mocht uitreiken! We bespreken de finale, inclusief halftime show, uitgebreid! Verder blikken we terug op een prachtig WK, wie was onze favoriete speler en van welke wedstrijd hebben wij het meest genoten? Tot slot bedanken wij iedereen die deze show mede mogelijk heeft gemaakt. Daar horen jullie, de trouwe kijkers en luisteraars natuurlijk ook bij! Wij sluiten af en gaan ons nest in! Namens Lars, Mart en Sieb: Veel luisterplezier! (00:00) Intro (00:45) Spanje - Argentinië (18:12) Quiz (20:32) Rondje om de wereld (24:25) Airbnb (25:57) Voorspellingen (31:00) Terugblikrondje (36:27) Woord van dank Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. Ga op reis met Airbnb: https://airbnb.com De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=i6zOeO6kEmE Zanger Marinus boeken? https://zangermarinus.nl/ See omnystudio.com/listener for privacy information.
Welkom bij aflevering achtendertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! Gister stonden we met DEDB op de Zwarte Cross, geassisteerd door Bas Nijhuis, Koert Westerman en Toine van Peperstraten! Het was een mooi feestje, waar we in deze show kort op terugblikken! Ook de troostfinale was een feestje! In een tienklapper was Engeland met 4-6 te sterk voor Frankrijk. Het was de laatste wedstrijd als bondscoach van Deschamps! Vanavond om 21:00 uur is het tijd voor de finale, we blikken hier op vooruit en delen onze voorspellingen. Tot slot hebben we weer een actuele quiz en wordt er weer voorspeld. Speel mee in de YouTube-comments en win drie een prachtige Brian Rompoe-sjaals! Namens Lars, Mart en Sieb: Veel luisterplezier! (00:00) Intro/Zwarte Cross nabeschouwing (09:20) Airbnb (10:38) Spektakelstuk Frankrijk - Engeland (17:15) Quiz (19:46) Rondje om de wereld (24:29) Voorspellingen Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. Ga op reis met Airbnb: https://airbnb.com De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=i6zOeO6kEmE Zanger Marinus boeken? https://zangermarinus.nl/ Zanger Marinus op Spotify: https://open.spotify.com/artist/2RflEiEOZ1pN2cgAKpP4Vn See omnystudio.com/listener for privacy information.
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
Welkom bij aflevering zevenendertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! In een romantisch park in Londen nemen we je, voordat we terugvliegen naar Nederland voor de Zwarte Cross, mee langs de Amerikaanse voetbalvelden, ook bespreken we de rol van Donald Trump rondom de finales van het toernooi. Verder blikken we vooruit op de troostfinale tussen Engeland en Frankrijk! Daarbij bespreken we de positie van Tuchel als bondscoach en het feit dat Pep Guardiola bijna de man aan het roer was geweest bij de Engelsen. Tot slot hebben we weer een actuele quiz en wordt er weer voorspeld. Speel mee in de YouTube-comments en win een prachtige Brian Rompoe-sjaal. Namens Lars, Mart en Sieb: Veel luisterplezier! Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. Ga op reis met Airbnb: https://airbnb.com De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=i6zOeO6kEmE Het verhaal van Pep als scheidsrechter: https://www.reddit.com/r/MLS/comments/14reqfc/men_in_blazers_pep_guardiola_confronted_by_irate/ John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
The Fellowship of Christian Athletes' exciting local radio program, Heart of the Athlete, airs Saturdays at 9:30 am MST on 94.5 FM and 790 AM Boise's Solid Talk. The show is hosted by local FCA Director, Ken Lewis. This program is a great opportunity to listen to local athletes and coaches share their lives, combining sports with their faith in Jesus Christ each week!Our relationships will demonstrate steadfast commitment to Jesus Christ and His Word through Integrity, Serving, Teamwork and Excellence.NNU Box 3359623 S University BlvdNampa, ID 83686United States(208) 697-1051klewis@fca.orghttps://www.fcaidaho.org/Podcast Website: https://www.790kspd.com/podcast-heart-of-the-athlete/
Welkom bij aflevering zesendertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! We zijn vanochtend katerig wakker geworden in Londen, waar we Engeland - Argentinië hebben gekeken. We blikken terug op die wedstrijd en de tactische keuzes van Thomas Tuchel. Ook gaat het over de blessure van Frenkie, de Falklandoorlog, onze avonturen in Londen en we blikken voorzichtig vooruit op de (troost)finale van het WK! Tot slot hebben we weer een actuele quiz! Had jij de vraag goed? Namens Lars, Mart en Sieb: Veel luisterplezier! Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=i6zOeO6kEmE John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
Reis je naar Londen om Engeland wereldkampioen te zien worden, wat denk je. Vliegen ze eruit. Alles over de reis van Lars van Velsum, Mart ten Have en Sieb Uenk naar het VK hoor je in de FCKZNU van donderdag 16 juli! Die verschrikkelijke Argentijnen gaan het zondag opnemen tegen de Spanjaarden om te bepalen wie het best Spaanssprekende land ter wereld is en met de beker naar huis mag. Neal Petersen belt in vanuit zijn, onverklaarbare, FIFA-uitnodiging en we blikken voorzicht vooruit op het laatste voetbalweekend van dit WK. Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. Ga op reis met Airbnb: https://www.airbnb.nl/ De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=a5uMdU9nhvk John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
Forget Maradona. Forget Messi. It's all about Montoya today. England face Argentina TWICE this week, but the Nations Championship is the real quiz, right? Ben Youngs and Dan Cole take a deep dive into one of rugby's proudest nations as they prepare to host England in Santiago del Estero on Saturday night. They've played with and against some of the most formidable characters in Argentine rugby history and now analyse the latest challenge for Steve Borthwick's men as they look to follow up their victory over Fiji with another win. Plus, we'll also preview the rest of the weekend's matches, headlined by a crunch clash between New Zealand and Ireland. Bring it on.
In this Meaningful Money Q&A episode, Pete Matthew and Roger Weeks answer real listener questions on UK pensions, retirement planning, tax and ISAs. They cover pension contributions for a spouse, starting a career in financial planning, reducing workplace pension fees with a SIPP, navigating the 60% tax trap, retiring abroad with UK pensions, and upcoming ISA rule changes from April 2027. A practical episode for UK savers, investors and future retirees looking to make clearer, more confident financial decisions. Shownotes: https://meaningfulmoney.tv/QA55 01:26 Question 1 Thanks Roger and Pete for the wealth of information you share and all the time you put in to share on finance and pensions. I have listened to a lot of your podcasts on my treks to and from work and finally took the plunge to retire early at 52 to enjoy life and get away from the desk for 8-9 hours a day. I had a DB pension which allowed me to take early whilst my wife has various pensions from previous jobs but all have the rule to take from 57 onwards. So my question is to help 4-5 years down the line. Could I put £300 a month (or the equivalent of 300 minus government contribution) into my wife's pension to continue to take account of government contributions and take the opportunity of her being on below the £12k tax threshold after giving up work? Is this possible or would this be classed as pension recycling as the government would presume the cash invested is from the lump sum I got from my defined benefit pension or is there a way to prove the money is from pay before I retired? Many thanks for your advice and support giving many people greater confidence with pensions and finances. Wayne 04:10 Question 2 Hello Pete & Roger, Thanks for all the great content and information - you are both much better than any AI chatbots! Apologies for the long back story but here goes: My name is Michael, 33 and I live in central Scotland. I have worked in a tech startup for the last 6 years but felt like a change around 18 months ago so I began sitting my CII exams. To date I have passed RO1 - RO5 and also recently passed CF6. I am sitting RO6 in April this year - wish me luck! I have recently secured an opportunity to work self employed for a specialist mortgage firm and start in early May as a trainee mortgage advisor. I have been offered a set monthly payment for 6 months then a 70/30 split after that. I would hope to have achieved CAS within that 6 month period. If I pass RO6 in April, I will have my diploma. My goal is to work as a financial planner but since I've done self study, I don't have any real experience of the financial services industry. I am very ambitious but also trying to be realistic about how to sensibly map out a route to being a successful financial planner relatively quickly. To throw a spanner in the works, a family friend who is a 62 year old IFA with £30m aum is interested in discussing me joining him and eventually taking over the business. It sounds exciting but also a little scary to me. He is only a one man band. For now I've accepted the mortgage trainee position but not sure if I am doing the right thing. The owner of the mortgage company now lives in Dubai and is looking to also remove himself from his business - he has 8 admin staff who WFH from across Scotland and he is the main adviser, specialising in BTL, bridging and commercial finance. They are only authorised for mortgages by the FCA. After that dissertation, my questions are: 1. From your experience and perspective, are mortgages a decent place to start or can you end up getting stuck there? 2. Since I have no real industry experience, only exams - is my head in the clouds thinking I could be a full fledged financial planner within 2 years? 3. If I started with the mortgage firm and got CAS as a self employed mortgage advisor, could I then also be an appointed representative for a different financial planning firm at the same time or is that not actually feasible in the real world? Once again, sorry for the huge essay but I guess context is needed. Once again thanks for all that you do, not much good content out there around these topics so keep up the good work! Regards, Michael 12:36 Question 3 Hi Pete & Roger, Firstly a very big thank you for all that you do for this community. I am learning lots from you guys and feel more confident with my finances. I'm 46 years old and currently have two pensions. My first pension is in a defined benefit plan from my steelwork apprenticeship days whereby I only paid into it for approx 6 years before moving jobs. I was able to track this down late last year and was pleasantly surprised to see that this had gone from an annual amount of £2650 in July 2007 to £4400 as of October 2025. I have been told to leave this as it is as it will grow over time with inflation. My other pension is a defined contribution plan with Royal London (RL). I am a higher rate tax payer and currently pay 10% of my £58,000 annual salary into this fund and my employer pays 5%. I would like to finish at 58 given I had a serious neck injury at 41 and don't know how long my body is going to work for me)! This pot is currently worth £105,000 and I am deliberating whether to increase my contributions in order to achieve my retirement age goal. I also have a stocks and shares ISA which is currently worth £36,000. I pay £250 a month into this but don't know if it would be more tax efficient to put this £250 into my pension instead? However, I am also mindful that the pension age may increase so by having a pot of money invested in the stocks and shares ISA I can draw this down when I like and also not bear any tax implications. Having looked into the fees which RL charge (0.71% for our employers scheme) I believe I would be able to achieve my goal quicker were I to move this into a SIPP and invest in a global ETF. I have discussed this with my employer and have asked if they would consider offering an alternative SIPP option. I feel I am meeting some resistance with this and don't believe a decision will be made anytime soon. In the interim, my compounding is being eaten away by the fees which I am currently being charged and my goal is moving further away from me. I found a pension fee calculator online and at the current rate I am investing I stand to lose approx £50,000 if I keep this with RL. I am aware that I can partially transfer my RL pension. However, to keep the employer contribution I would need to keep the RL pension open with a minimum amount of funds and then transfer the employer contribution across to my SIPP. What is the best way to go about this to make it the most fee/tax efficient? Should I transfer the employer contribution as soon as it is paid to RL, or would it be no different to do it on an annual basis? I am assuming the longer I have money in the SIPP the more growth it will obtain therefore the former would be the sensible default. Am I approaching this correctly? Is there something else which I could consider? Thank you kindly, Paul 20:30 Question 4 Hi Pete and Rog - great show and love the books (but not finished them yet). Thanks for demystifying the complex world of personal finance and financial planning. I'm in the fortunate position where my projected salary and bonus will increase again for tax year 2026/27 and will take me well over the £125k tax threshold before adjustments. My 'problem' so to speak is that even after using my current year maximum pension allowance and previous years unused maximum pension allowance I can only get my adjusted income to be around £115k. Tough life I know! I can either make a large Gift Aid donation to get below £100k or use less of my unused maximum pension allowance to keep above £125k. Am I missing any other income adjustment options? What is the actual impact of not being able to hit the £100k adjusted income, and being in the £125k additional tax bracket, from a tax payment perspective in real money terms? I have some small cash savings and stocks outside of ISAs as we put most of these in my wife's name as she is a basic rate tax payer. We don't need the childcare tax scheme and not aware of any other reason to keep under £100k except to save tax and avoid the 60% effective tax rate between £100k and £125k. Don't want to let the tax tail wag the dog, and happy to give to charity, but in real terms is there actually much difference in the tax payment amount in pounds and pence (as long as I kept out of the £100k - £125k range)? Many thanks, Simon 25:33 Question 5 Hi, Fairly new listener to the podcasts, been binge watching them recently, ended up here via the meaningful money YouTube channel. Both are thoroughly enjoyable to watch and are teaching me a lot about the financial world - along with 2 other YouTube channels I like Damien talks money and James shack. Anyway my question if you have time and it's selected would be about retiring abroad. My current situation - male, 42, living north east England, working full time for NHS and will have 2 NHS db scheme pensions in retirement (1 in 2008 scheme at 65 and 1 in 2015 care scheme at state pension age). I have 2 stocks and shares ISAs, with about £95000 between them, 1 stocks and shares Lisa with about £4500 in it (for retirement not house purchase), about £21000 in premium bonds which I use as an emergency fund. Our house is paid off so no mortgage payments so at the minute can add to these savings at £500+ a month comfortable. My wife is 34 and here on spouse visa and hopefully will be eligible for indefinite leave to remain and citizenship soon (it will save us a lot in visa fees and stuff when it happens). She currently works a part time job 16hr per week at minimum wage to fit around child care for our 2year old son. 1st question is would this part time work count as a qualifying year for the state pension as it's below the personal tax allowance? We have a rough plan of retiring early hopefully once our son is grown up and finished with schooling and university and moving back to my wife's home country in Asia for the better weather and lower cost of living. As a rough plan we think when I'm 60 and wife 52 but could move later depending on family commitments. Now if I stay in NHS all that time I should have 10 years in the 2008 NHS scheme and 24 years in 2015 scheme and with conservative planning on spreadsheets will get £8000 per year from 2008 scheme and £14000 from the 2015 scheme taking at the normal pension age for these schemes. My wife will benefit from a spouse's pension for length if I die 1st of roughly 1/3 of these figures. I have the option of exchanging some of this pension for tax free lump sum up to 25% and the calculation is for every £1 I reduce the pension by I get £12 lump sum. Question 2 - everyone at work always talks about you got to take the maximum lump sum to avoid paying tax, but I'm not so sure as the pensions linked to inflation over the long run there could end up being a big gap between your pension with and without the lump sum. What's your thoughts on this, if I didn't need a large amount of cash for a specific thing surely it's better to go for the larger pension even if you end up paying for tax or am I wrong . When we move I will have a full NI record for the state pension but my wife won't and depending on your answer to the 1st question might have 20 years contribution say. Question 3 - if we move abroad before she has a full record can we make voluntary payments for extra year's while resident in another country? I see you can pay about £900 for a year in this country but I'm not so sure if where already living abroad. Assuming my savings continue to grow and the stock market doesn't complete collapse, I will use these savings to bridge the gap from 60 to 65 and then the state pension age. And fund the move with the sale of our house which will also give us a cash buffer hopefully too. Question 4 - when moving abroad can I keep my stocks and shares ISA - I know you can't contribute more to it, but keeping it open to grow, receive dividends, withdraw money, the government website says you can but a lot of the provider websites are vague and some say they don't allow it. Is it a case when the time comes I'll have to transfer my isas to 1 of the more expensive providers say who are more likely to allow this? Now I already know that the country I'm moving to doesn't have a reciprocal agreement so our state pension will be frozen at the level that we claim it and have based all our plans and number crunching on this. And that the country I move to may charge tax on money I draw out of my ISA when I transfer it over, and on my pension (although with the double taxation treaty hopefully not) and will seek advice of accountants over there nearer the time as currently there is some work arounds involving spouses but these may not be there in 20 years time. My last question - would be about if I die 1st probably more likely me being older and male, is more for my wife inheriting my UK based assets - the bank accounts and isas, NHS pension. The NHS pension should be easy she's already my nominee on record and will go through with her the forms and website for claiming it. But the isas and bank accounts are the main worry - will it be easy for her to transfer them over to her (I'm assuming the joint accounts will be pretty much automatic) but will the single accounts be easy? Can she keep the money in the ISA still in an ISA but in her name? Would having her own ISA make this transfer easier? And most importantly is this something you think can be done online/over the phone from abroad or will it involve a trip back to the UK and back and forward to branches assuming they haven't all been shut. Thank you for taking the time to read this email, sorry it's so long, and no worries if it doesn't get chosen for the podcast. Keep up the good work Kind regards, Mark 38:15 Question 6 Change to ISA rules from April 2027. Audio question from Holly.
Miriam Patterson, Senior Director, Market Practice and Regulatory Policy, ICMA, discusses the joint industry response to the FCA and PRA consultations on reforming the UK's securitisation framework and the opportunity to enhance the market's competitiveness and international appeal. Read the full 2026 Q3 Quarterly Report here.
Welkom bij aflevering drieëndertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! Vanavond staat de eerste halve finale tussen Frankrijk en Spanje op het programma! We blikken hier, samen met NOS-commentator Anne de Jong, op vooruit! Verder bespreken we het onthaal van de Noorse selectie in Oslo, het souvenir van Haaland en de plannen van Infantino. We hebben weer een actuele quiz en er wordt weer voorspeld. Speel mee in de YouTube-comments en win die prachtige Brian Rompoe-sjaal! Namens Lars, Mart en Sieb: Veel luisterplezier! (00:00) Intro (06:30) Quiz (07:53) Bellen met Anne de Jong/Frankrijk - Spanje (17:28) Rondje om de wereld (24:04) Airbnb (25:31) Voorspellingen Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. Ga op reis met Airbnb: https://www.airbnb.nl/ De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=a5uMdU9nhvk John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
Welkom bij aflevering vierendertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! Met vandaag Spanje dat Frankrijk uit het toernooi gebonjourd heeft en zich heeft geplaatst als eerste finalist! Morgen komen de andere halve finalisten in actie, Engeland neemt het op tegen Argentinië en wij gaan het kijken in Londen! Uiteraard hebben we weer een quiz en er wordt weer voorspeld. Speel mee in de YouTube-comments en win een prachtige Brian Rompoe-sjaal! Namens Mart, Lars en Sieb: Veel luisterplezier! (00:00) Intro (04:40) Frankrijk - Spanje (16:08) Quiz (18:50) Rondje om de wereld (25:07) Airbnb (26:38) Voorspellingen Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. Ga op reis met Airbnb: https://www.airbnb.nl/ De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=a5uMdU9nhvk John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
Welkom bij aflevering tweeëndertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! Vandaag doen we het in het kader van de rustdag, wat rustiger aan. Desondanks is er genoeg WK-nieuws. Danny Makkelie gaat naar huis, Diego Forlan is de nieuwe bondscoach van Uruguay en Mark van Bommel wordt genoemd als nieuwe oefenmeester van de Rode Duivels. Ook hebben we weer een relevante quiz en blikken we, op een wat onorthodoxe manier, vooruit op Engeland - Argentinië. Namens Lars, Mart en Sieb: Veel luisterplezier! (00:00) Intro (06:32) Falklandoorlog intermezzo (10:56) Quiz (13:10) Rondje om de wereld (25:58) Engeland-blokje (27:20) Programma Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=a5uMdU9nhvk John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
The second action-packed round of the Nations Championship has concluded and Ben Youngs and Dan Cole are here to analyse the games.
Welkom bij aflevering eenendertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! Met vandaag de laatste kwartfinales: Engeland heeft de Noren uit het toernooi geroeid, mede dankzij een hele merkwaardige goal van Jude Bellingham. Het geluk van de kampioen? Is it coming home? Ook Argentinië is door, het won in de verlenging van Zwitserland! Messi scoorde niet, maar Alvarez krulde de bal op fantastische wijze in de kruising! Uiteraard hebben we weer een actuele quiz en bespreken we de voorspellingen van afgelopen dagen. Ondanks dat het morgen een rustdag is, zijn wij er gewoon! Namens Lars, Mart en Sieb: Veel luisterplezier! (00:00) Intro (03:50) Noorwegen - Engeland (11:40) Quiz (13:38) Argentinië - Zwitserland (17:59) Rondje om de wereld (23:46) Airbnb (25:04) Voorspellingen 113 In deze aflevering komt het onderwerp zelfdoding aan bod. Denk je aan zelfdoding? We zijn er voor je. Je kunt met ons geheel anoniem bellen of chatten. Bel gratis 113 Chat met ons Teletolk. Lessen voor het leven. https://www.113.nl/ Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. Ga op reis met Airbnb: https://www.airbnb.nl/ De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=a5uMdU9nhvk John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g Jeetje Miena kinderkleding: https://www.jeetjemiena.nl/?srsltid=AfmBOoqosme0TqLjqDyFXMDJDYs-66d2Tr9R1IR8mREH34kg5Ok_zPmy See omnystudio.com/listener for privacy information.
England return to winning ways after a convincing 73-8 rout of Fiji in Liverpool's Hill Dickinson Stadium in round two of the Nations Championship, with Henry Pollock grabbing a hat-trick. Dan Cole and Ben Youngs are podcasting from the stadium in their famous pink JAECOO 7. You'll also hear from new scrum-half convert Marcus Smith and debutant Noah Caluori.
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
Welkom bij aflevering dertig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have, Sieb Uenk en Gilles Mbiye-Beya je in dertig minuten bijpraten over het laatste WK-nieuws! Vandaag zijn Mart, Lars en Sieb in Antwerpen bij de heren van Koolcast! Helaas werden onze Zuiderburen uitgeschakeld door Spanje en strand het WK-avontuur van de BeNeLux in de kwartfinales. We hebben weer een relevante quiz en er wordt weer voorspeld, speel mee in de YouTube-comments en win een prachtige Brian Rompoe-sjaal! Namens Lars, Mart, Sieb en Gilles: Veel luisterplezier! (00:00) Intro 01:54 Spanje - België 20:00 Quiz 23:30 Voorspellingen Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=a5uMdU9nhvk John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
Welkom bij aflevering negenentwintig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! Met vandaag Frankrijk dat gemakkelijk won van Marokko, ondanks een gemiste strafschop van Kylian Mbappé. De Fransman scoorde later alsnog en staat dit toernooi al op acht goals. Vandaag reizen we af naar Antwerpen, dus blikken we uitgebreid vooruit op Spanje - België! Ook is er weer een quiz en wordt er weer voorspeld. Speel mee in de YouTube-comments en win een Brian Rompoe-sjaal! Namens Lars, Mart en Sieb: Veel luisterplezier! (00:00) Intro (02:54) Frankrijk - Marokko (14:20) Quiz (17:17) BeNeLux-blokje (21:32) Rondje om de wereld (25:02) Voorspellingen Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=jNnlCxIKr50 De video van Ed Sheeran: https://x.com/mercado_ingles/status/2074934596181922068?s=48 John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
Welkom bij aflevering achtentwintig van FC Afkicken Komt Z’n Nest Uit! De ochtendshow waarin Lars van Velsum, Mart ten Have en Sieb Uenk je in dertig minuten bijpraten over het laatste WK-nieuws! Gister was de eerste rustdag van het WK, toch valt er genoeg te bespreken. Zo hebben we het over het laatste BeNeLux-nieuws, bellen we met VS-correspondent Simone Tukker en blikken we vooruit op Frankrijk - Marokko, helaas zonder Saibari. We hebben weer een quiz en er wordt weer voorspeld. Speel mee in de YouTube-comments en win een Brian Rompoe-sjaal! Namens Lars, Mart en Sieb: Geniet van Frankrijk - Marokko en veel luisterplezier! Matt Sleeps Het Matt Original matras is voor de 13e keer op rij uitgeroepen tot Beste uit de Test door de Consumentenbond en mag zich daarmee het beste matras van Nederland noemen! Ga naar mattsleeps.com/fcafkicken en krijg daar met de code FCA extra korting boven op de lopende acties. De nieuwste aflevering van The Skybox vind je hier: https://www.youtube.com/watch?v=jNnlCxIKr50 Lees Mart's Feature in The Guardian: https://www.theguardian.com/football/2026/jul/04/cape-verde-world-cup-fans-argentina-rotterdam John Lion - Alleen in Dallas: https://www.youtube.com/watch?v=pEBVxIyN_1g See omnystudio.com/listener for privacy information.
Visit SFSR online at: https://southernfairwaysgolf.com/To explore Golf equipment options, visit: https://srixon-golf.com/Get more info on your local FCA at https://www.southalabamafca.org/
Clayton Dixon, known as " All Fired Up with Clayton" is 15 yrs old and started his BBQ journey around age 14. He has competed and won the following- National Live fire pork Champion, 3rd in Beef and 5th overall and also 3rd in steak @NBBQA. Memphis in May-2nd dessert. WJBL- 1st chicken, 3rd pork, 5th-ribs.Smokeslam- 3rd chicken and 5th pork He has his own garden Triple G's(Granddaddy's Giving Garden) with a produce stand at his house that he sales vegetables on the honor system. He also has his own smokehouse where he sales smoked sausage in the winter. He loves Jesus, BBQ, golf, hunting, fishing, and hanging with family and friends. He is a member of FFA, FCA, NWTF, Cattleman's Associations, Rescue Team and is on his schools golf team and is the baseball manager.
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Send us Fan MailStart the school year with a healthy, thriving youth ministry...let's work together to make it happen! Check out GrowYourYouthMinistry.com for more info - or feel free to email us at MinistryCoachPodcast@gmail.com with any questions *** A Christian club at school can be one of the most effective ways to connect with students in your youth ministry and to reach students who maybe wouldn't normally come to church. We talk through how to start a student led Christian club that feels welcoming, simple, and sustainable, especially during a tight lunch period where you have only 20-30 minutes to build community, share a short message, play a quick game and still let kids eat.In this episode, we will be discussing Christian Club resources (links below), benefits to partnering with organizations like Fellowship of Christian Athletes (FCA). If FCA is not active in your area, we walk through what it looks like to launch from scratch and build a healthy student leadership team with the right adult mentoring. We also talk about various ways to be able to get on campus to reach students. Finally, we give a simple “typical club” template / schedule to better utilize your time and give a bridge from school to church.RESOURCES FROM THIS EPISODE:FCA: https://resources.fca.org/P7: https://upciyouth.com/resourcesCRU: https://www.cru.org/sg/en/ready/resources.htmlIntervarsity: https://intervarsity.org/Decision Point: https://decisionpoint.org/If you have it on your heart to support this ministry, please consider going to our Patreon page at: www.patreon.com/ministrycoach======= If you found this helpful, subscribe for more youth ministry strategy, share it with a youth leader who wants to reach their campus, and leave a ⭐️⭐️⭐️⭐️⭐️ review so more youth pastors can find the show.=======You may also enjoy these episodes:(#265) 3 Unacceptable Mistakes that Youth Ministries Make With Event Planning(#285) 3 Common Mistakes Youth Pastors MUST AVOID in Their Youth Ministry=======We love hearing from you all and we do our best to provide powerful and insightful youth ministry content on a weekly basis to be that coach and mentor you may not have, but desperately need.If you have an episode idea, please E-Mail us at MinistryCoachPodcast@gmail.com!=========
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