Podcasts about HL

After BCE cut its dividend in mid-2025, investor capital rotated into TELUS as the next high-yield alternative. In this episode, we examine whether TELUS is now facing the same fate or whether the comparison is flawed. We break down the key differences between TELUS and BCE at the point of stress, focusing on free cash flow coverage, leverage, capital intensity, growth outlook, and management execution. While TELUS’s dividend remains uncovered today, improving free cash flow and contributions from capital-light segments such as TELUS Health and TELUS Digital differentiate it from BCE’s deteriorating position prior to its cut. We also discuss the specific scenarios that could force a dividend reduction, including stalled tech-segment growth, regulatory pressure, and prolonged share-price weakness, as well as one recent management move that raises concerns around signaling. In the second half, we shift to silver and explain what is driving the recent price surge. We cover CME margin hikes, record physical delivery requests, backwardation, U.S.–Shanghai price divergence, China’s new export restrictions, and silver’s addition to the U.S. critical minerals list. The conclusion: this is primarily an industrial and geopolitical supply story, not a monetary hedge narrative. Tickers discussed: T.TO, BCE.TO, PSLV, PAAS, AG, HL, CDE, WPM, SIL, SILJ New to investing? Check out these episodes: Investment Accounts Simplified and 5 Stocks on Our Radar Apple Podcast Spotify Web player 3 Things to Do Before You Invest a Single Dollar Apple Podcast Spotify Web player 8 simple ways to Save and Have More Money to Invest Apple Podcast Spotify Web player Investment Accounts Simplified and 5 Stocks on Our Radar Apple Podcast Spotify Web player Check out our portfolio by going to Jointci.com Our Website Our New Youtube Channel! Canadian Investor Podcast Network Twitter: @cdn_investing Simon’s twitter: @Fiat_Iceberg Braden’s twitter: @BradoCapital Dan’s Twitter: @stocktrades_ca Want to learn more about Real Estate Investing? Check out the Canadian Real Estate Investor Podcast! Apple Podcast - The Canadian Real Estate Investor Spotify - The Canadian Real Estate Investor Web player - The Canadian Real Estate Investor Asset Allocation ETFs | BMO Global Asset Management Sign up for Fiscal.ai for free to get easy access to global stock coverage and powerful AI investing tools. Register for EQ Bank, the seamless digital banking experience with better rates and no nonsense.See omnystudio.com/listener for privacy information.

Welcome to the first podcast of 2026 where Roger and Pete answer more of your varied and interesting questions, covering everything from what to do when you've maxed out your pension and ISA, to whether you should borrow on your mortgage to invest! Shownotes: https://meaningfulmoney.tv/QA37   01:30  Question 1 Hello to Roger and his trusty sidekick Pete, Only kidding Pete, but it will make Roger feel good briefly. I must credit the pair of you for your continued dedication and commitment to educating the wider population on all things financial.  I have gone from strength to strength in planning my retirement with the guidance and abundance of free information you have provided, the books you have written Pete, as well as signing up to the Meaningful Academy Retirement Planning and now planning to retire several years earlier than originally intended. Using the information provided and learnt, I have got my finances in order but more importantly, that decision is to align my future life (and that of my wife) to the finances we need and when our needs are likely to be met, hence the realisation retirement is not as far away as we had originally perceived, so I really appreciate what you have done for me and my family. My question maybe very simple, but it was sparked during a previous Q&A session Listener Question – episode 20 - 30th July – Question 2 – The question surrounded company Shares. I am employed by BAE and I purchase company shares each month, partially as a sensible Tax saving being a higher rate tax payer (purchase them pre Tax) but also for the first £75 worth each month I buy each month, the company will match, so effectively £150 worth of shares which technically costs less than £50 in real money each month.  Now whilst I do sell some shares along the way (after the 5-year maturity to avoid tax payment), I continue to have a reasonable amount invested (£35k subject to tax relief period on some). A statement you made during the above session was "as a sideline issue we tend to say to people that investing in shares for the company you work for is a bad idea at any scale, thus to avoid backing one horse and it's not a good idea to hold onto shares for a company you work for." Now I thought I was onto a winner and being tax efficient and building an amount of money which I tap into on an occasional basis as well as additional source of income once retired, but are you implying, as you did to that listener, I might consider cashing some in and transferring the money else where? Perhaps in this instance it is suffice leaving it there, as the examples you gave were for smaller companies (in comparison) that folded, whereas BAE one of the larger Defence industry companies, doesn't appear to be going anywhere soon?  I do have a Royal Naval DB pension already paying out, as well as a part DB and part DC pension with BAE (continuing to build), so I'm not reliant upon the money, which is another factor why I've not considered moving them away or am I doing myself a bad deal, id value your opinions (not advice ha ha)? Thank you for your time Regards, John 08:02  Question 2 I'm 39, a basic rate taxpayer and I have a Lifetime ISA and a SIPP with HL. Can I save for retirement in my Lifetime ISA and invest in the same funds as my Pension after receiving the 25% bonus to achieve similar growth. Then at age 60, withdraw all that money tax free and pay it into my pension (up to my allowances and possibly using previous years) to gain the 20% tax relief just before I draw the pension? I would also save some money on platform fees as the LISA is 0.25% vs the SIPP at 0.45%. I know I can get cheaper platforms elsewhere but I find HL easy, intuitive, and feel like I can trust them with my money, which really encourages me to save in the first place. Thanks, Robert 13:40  Question 3 Hi Pete and Roger, Longtime fan and listener, thanks for all the great work you do! I'm 40 years old and a member of the LGPS DB pension scheme, which I've been paying into since my early 20s. My partner is also in a DB scheme (Central Government). We have no debt other than our mortgage. We currently live in a modest home we bought for £89k, but are thinking about upgrading to a bigger property for more space and comfort (no plans to have children). That said, we've enjoyed the low cost of living here. We've built up around £160k in savings, split roughly 40% in a Stocks & Shares ISA and 60% in Premium Bonds and cash. I've tried to keep the ISA intact as a form of flexibility/security around retirement, potentially to retire early or reduce hours in the future. The dilemma is: 1. Do we spend most of the savings on a better house and accept working longer? 2. Or do we stay where we are, keep our financial flexibility, and potentially one of us works less or retires earlier? 3. Or is there a sensible middle ground, spending some of the cash to improve our living situation while still preserving part of our financial cushion for future flexibility? We're just trying to balance quality of life now with freedom and options later, and would love to hear your take on it. Is there anything else we haven't thought about? Thanks so much for your thoughts! Gez   19:25  Question 4 Hi Pete and Rog, big fan of the show and I appreciate the helpful topics you cover. I am currently going through a remortgage and am extracting equity from our house to invest. The new mortgage rate is around 4% and our LTV will be around 80%. The additional monthly costs are within our budget too. My strategy is to invest the extracted amount in a stocks and shares ISA with my wife, utilising the £20k allowance each per tax year. This will be invested into globally diversified index funds. I have ran calculations on how much I will be paying in additional interest vs how much is probable from stock market returns. Over 25 years, the additional interest paid on £50k extracted at 4% is £29k Over 25 years, having invested £50k, I would need to return 1.84% to break even from this deal. This is due to the way mortgages are amortised via repayment vs the investments compounding positively. With conservative returns of 7% used, this will net £236k of interest. Am I missing anything here? Keep up the great work and I'm very interested to hear whether you have done this in the past. Stephen 26:40  Question 5 Hi Pete and Roger, Recent discoverer and now big fan of the show here - I have now caught up on all the Q&A episodes and am continuing to work my way through the back catalogue: a lot of material! My questions centre on tax-efficient options once ISAs and pensions are maxed out, and how to "bridge" savings if retiring before pension-age. I am 36, married and have 2 young daughters who are the apple of my eye. We have a very manageable mortgage and I benefit from a very well paid job. However, an extremely stressful period last year sent me on the track of better understanding personal finance (and ultimately finding you) in order to achieve financial independence and not need to tolerate that kind of situation ever again, as well as be free to dedicate my time and energy to things without worrying about how much money they pay. 1) I am trying to get to functional financial independence (i.e. paid work is entirely optional) as soon as possible - I now max out my annual pension and ISA allowance each year and am likely to continue to in the future. Are there any other normal vehicles I can use for additional saving and investing? Giving money to my wife to use her ISA allowance? Anything else? I don't want to overpay the mortgage for the next several years as we managed to get a fixed rate that is below the current rate of inflation. 2) I have a good understanding of our essential and discretionary spending, and with a conservative annualised rate of return I could theoretically stop contributing to my pension pot in the next 7ish years and compounding would mean it would be big enough to fully support us once we can access it. My question is - is there a good rule of thumb or approach for working out how much I need to save outside the pension if I wanted to stop working for money before 57? Is it just a case of working out # years x expenses or is there anything more sophisticated to it? 3) bonus question - feel free to cut if it doesn't fit: I'm familiar with the idea of asset allocation and rebalancing to "smooth the ride" for my portfolio. Most things I've read or listened to have focused on equities vs. bonds. When I was looking at a number of bond indexes recently the returns have been pretty flat, often 4% from a cash ISA, what's the point of the bonds? Am I missing something? Thanks so much for all the knowledge you put into the world, giving people the tools to look after themselves. The chat is pretty great too! Kind regards, Martin 37:18  Question 6 Hello Pete & Roger Thank you for your fantastic materials, so well explained. We're 62. We already have a standard pension pot Annuity and we have around £300,000 in savings in building society accounts. (We value peace of mind over the potential for big gains, so we're not really considering stocks and shares). We're wondering whether, rather than rely entirely on savings accounts, it would make sense to use a Purchase Life Annuity. With current annuity rates, it looks like that's a Yes, so we're curious what your expert view is on this. We're aware of the downside: that it leaves us without much of a savings pot for any unexpected very large need. Have watched the Annuities: Back from the dead? video - https://www.youtube.com/watch?v=alTTzrd2NbY -  which talked about buying an annuity with pension, but in our case it would be Purchase Life Annuity, so does that make a difference when purchasing an annuity? Thank you again! Moira  

Roman Joch je konzervativní publicista, politický komentátor a vysokoškolský pedagog. Dlouhodobě působí v Občanském institutu, kde zastával funkci ředitele a viceprezidenta a věnuje se především politické filozofii, zahraniční politice a hodnotovým otázkám západní civilizace. V letech 2010–2012 působil jako poradce předsedy vlády Petra Nečase pro zahraniční politiku a lidská práva, později spolupracoval také s vedením hlavního města Prahy. Ve veřejném prostoru je známý jako autor odborných i publicistických textů a překladů, pravidelně vystupuje v médiích a komentuje aktuální politické a společenské dění v širších souvislostech. Přednášel na Vysoké škole ekonomické v Praze, CEVRO Institutu a dalších akademických pracovištích. Hlásí se ke konzervativním hodnotám a katolické církvi, které významně formují jeho pohled na domácí i mezinárodní politiku. V tomto díle Štěpán Křeček s Romanem Jochem mapují vývoj politických a náboženských ideologií od počátků lidské společnosti až po moderní dobu. Vysvětlují základní principy politických ideologií, rozdíly mezi judaismem a křesťanstvím a význam přijetí křesťanství v antickém Řecku. Debata se dotýká také role Jana Husa, vztahu křesťanské etiky a vzniku kapitalismu i nebezpečí utopických ideologií, které se opakovaně snaží přetvářet společnost podle abstraktních ideálů. Celý díl najdete na Herohero a Forendors.

September: Arnhildur Hálfdánardóttir var með pistlaröð um botnvörpuveiðar og stöðu hafsins umhverfis Ísland. Í einum pistlanna ræddi hún við Snjólaugu Árnadóttur, dósent við lagadeild Háskólans í Reykjavík og forstöðumann Sjálfbærni- og loftslagsréttarstofnunar Háskólans í Reykjavík um hafréttarmál. Samfélagið hitti Sigríði Gísladóttur, framkvæmdastjóra samtakanna Okkar heimur, og fékk að fræðast um samtökin og stöðu þeirra barna sem alast upp hjá foreldri með geðrænan vanda. Í Árskógum hefur Rauði krossinn boðið upp á hópkennslustundir í íslensku sem leiddar eru af reyndum kennurum í sjálfboðaliðastarfi. Samfélagið fékk að fylgjast með kennslustund og heyrði meira um starfið. Október: Samfélagið fékk að kíkja á æfingu hjá yndislegum hópi fólks með þroskahömlun sem æfir undir leiðsögn Nönnu Guðbergsdóttur í World Class, Ögurhvarfi. Hópurinn gengur undir nafninu Breyttur lífsstíll. 24.október var Kvennafrídagurinn haldinn. Af því tilefni fékk Samfélagið þrjár konur til að ræða stöðuna í jafnréttismálum. Þær Kolbrún Halldórsdóttir, formaður BHM, Saga Davíðsdóttir frá Feministafélaginu Emblu við Menntaskólann í Hamrahlíð og Helga Haraldsdóttir, formaður Hinsegin daga, settust niður með Ástrós Signýjardóttur og Elsu Maríu Guðlaugs-Drífudóttur. Elsa María Guðlaugs- Drífudóttir hitti Benedikt Traustason frá Reykjavíkurborg við Tjörnina. Hjá borginni eru uppi áætlanir um að komast að því hversu menguð tjörnin er og grípa til aðgerða til að hjálpa lífríki hennar. Samfélagið kíkti á kóræfingu hjá Happy hour kórnum eitt kvöldið en kórinn hefur verið starfræktur í sex ár. Sigríður Soffía Hafliðadóttir, kórstjóri, segir markmiðið með kórnum að fá konur til að hittast og njóta þess að syngja saman. Nóvember: Fríbúðin er rekin í Gerðubergi í Breiðholti, í henni er allt ókeypis. Pétur Magnússon heimsótti verslunina en þangað getur hver sem er komið við, tekið hluti úr hillum og skilið eftir hluti sem aðrir geta tekið með sér heim. Svæðið við Elliðaárstöð í Elliðaárdal iðar nú af lífi árið um kring.. Gamlar byggingar hafa fengið nýtt hlutverk og saga svæðisins er vel varðveitt. Ástrós Signýjardóttir heimsótti svæðið og hitti Brynhildi Pálsdóttur, hönnuð, sem hafði þá nýverið tekið við Hönnunarverðlaunum Íslands. Laura Sólveig Lefort Scheefer, formaður ungra umhverfissinna, og Þorgerður María Þorbjarnardóttir, formaður Landverndar, færðu okkur reglulega pistla um framgang mála á COP30 loftslagsráðstefnunni í Brasilíu. Desember: Pétur Magnússon lagð leið sína í Þjóðminjasafnið og ræddi þar við þjóðfræðinga um jólahefðir, fáheyrða jólavætti og hlýddi á jólatóna. Stefán Gíslason flutti pistil þar sem hann fjallaði um eitraðar rúsínur og aukna notkun þeirra. Við fjölluðum töluvert um rólega aðventu og kíktum í heimsókn á leikskólann Hlíðarenda þar sem unnið er með rólegt umhverfi í kringum börnin í desember.

Hele verden ble rystet over terrorangrepet på Bondi Beach i desember. Jødefiendtlige holdninger har økt nærmest i takt med eskaleringen av krigen i Gaza. Er det mulig å kritisere Israel uten å uttrykke antisemittiske holdninger? Utenriksjournalist Tor Arne Andreassen og forsker ved HL-senteret Claudia Lenz forklarer. Foto: Hollie Adams, Reuters / NTB

Predigt vom Hildesheimer Bischof Dr. Heiner Wilmer SCJ an Hl. Abend, 24.12.2025, im Hildesheimer Dom.

Lokaþáttur ársins og þáttur númer 550 af Gullkastinu, geri aðrir betur. Hlóðum í uppgjör á afar sveiflukenndu og áhugaverðu ári og spáðum aðeins í spilin fyrir nýtt ár. Þrjú stig á Anfield gegn botnliði Wolves og tveir deildarleikir framundan í þessari viku, Leeds á nýársdag og Fulham úti á sunnudaginn. Ögurverks liðið var klárað og Fagmaðurinn í boði Deloitte að sjálfsögðu á sínum stað. Stjórnandi: Einar Matthías Viðmælendur: SSteinn og Maggi Þökkum að vanda samstarfsaðilum þáttarins fyrir að hjálpa okkur að halda síðunni úti: Gull Áfengislaus / Verdi Travel / Delottie / Ögurverk ehf / Happatreyjur.is

Christus ist Gottes Geheimnis, verschwiegen und verborgen seit ewigen Zeiten, jetzt aber, auf Anordnung Gottes, den Heiden kundgetan und bekanntgemacht. // Um zu zeigen, was das mit uns hier und jetzt zu tun hat, hilft mir eine Legende aus dem Leben des Hl. Hubertus.

Uzurpace a kumulace moci politiků, populismus, propaganda, ohrožená veřejnoprávní média. Podle filozofa Václava Němce je třeba podobná ohrožení demokracie kritizovat. „Prvními, kdo by měl hlídat politiky, aby si neuzurpovali moc, jsou sami občané. Podle demokratického pojetí suverenity jsou vlastně jiným zdrojem politické moci ve státě,“ zdůrazňuje v pořadu Osobnost Plus, který vysíláme v repríze. Hlídat by se měli i politici navzájem: „Od toho máme princip dělby moci.“

Um 14 Uhr schließen heute die Geschäfte. Für jeden Zehnten heißt es dennoch nicht, dass nun Weihnachten anbrechen kann. Ärzte, Sozialarbeiter, Bedienstete der Verkehrsbetriebe - sie alle sorgen dafür, dass auch am Hl. Abend nicht alles still steht. Max Kronawitter / unveröffentlichter Text

Nálgast má þáttinn í heild sinni inn á; https://solvitryggva.is/ Hlédís Maren Guðmundsdóttir er félagsfræðingur og fyrrverandi blaðamaður sem vakið hefur mikla athygli fyrir skrif sín og skoðanir undanfarið. Í þættinum ræða Sölvi og Hlédís um samfélagsmál, skoðanakúgun, jafnrétti, rétttrúnað og margt fleira. Þátturinn er í boði; Caveman - https://www.caveman.global/ Nings - https://nings.is/ Myntkaup - https://myntkaup.is/ Mamma veit best - https://mammaveitbest.is/ Mama Reykjavík - https://mama.is/ Smáríkið - https://smarikid.is/ Ingling - https://ingling.is/

Víðsjá dagsins verður undirlögð af ljóðum og tónlist, en fyrst og fremst ljóðum. Fimm höfundar sem öll hafa gefið út bók á árinu segja frá bókunum og lesa ljóð:  Eiríkur Örn, Guðmundur Andri Thorsson, Móheiður Hlín Geirlaugsdóttir, Natasha S. og Sigurlín Bjarney Gísladóttir. Tónlist þáttar er sömuleiðis fengin af hljómplötu sem kom út á árinu, HIK-Translations, úr smiðju þeirra Unu Sveinbjarnardóttur og Arngerðar Maríu Árnadóttur.

Roman Joch je konzervativní publicista, politický komentátor a vysokoškolský pedagog. Dlouhodobě působí v Občanském institutu, kde zastával funkci ředitele a viceprezidenta a věnuje se především politické filozofii, zahraniční politice a hodnotovým otázkám západní civilizace. V letech 2010–2012 působil jako poradce předsedy vlády Petra Nečase pro zahraniční politiku a lidská práva, později spolupracoval také s vedením hlavního města Prahy. Ve veřejném prostoru je známý jako autor odborných i publicistických textů a překladů, pravidelně vystupuje v médiích a komentuje aktuální politické a společenské dění v širších souvislostech. Přednášel na Vysoké škole ekonomické v Praze, CEVRO Institutu a dalších akademických pracovištích. Hlásí se ke konzervativním hodnotám a katolické církvi, které významně formují jeho pohled na domácí i mezinárodní politiku. V tomto díle Štěpán Křeček s Romanem Jochem rozebírají návrat Donalda Trumpa do Bílého domu a jeho širší dopady na Spojené státy, Evropu i globální uspořádání. Zaměřují se na první kroky druhého Trumpova období, míru jeho podpory v americké společnosti a na to, jak deregulace a změny hospodářské politiky ovlivňují výkonnost USA. Diskuse se dotýká také postavení Evropy, její ekonomické konkurenceschopnosti, důsledků Green Dealu a otázky, zda má evropská ekonomika šanci dlouhodobě držet krok se Spojenými státy. Celý díl najdete na Herohero a Forendors.

Live from American Whiskey's AtticBy Sam Woo and Vinnie Parisehttps://pucksandpitchforks.comhttps://www.LetsGoDevils.comRATE, REVIEW, AND SUBSCRIBE: Apple Podcasts - https://podcasts.apple.com/us/podcast/lets-go-devils-podcast/id1371371669 #NJDevils #NHL #LetsGoDevils #LGD #Devils #NewJersey #NCAA #AHLBecome a supporter of this podcast: https://www.spreaker.com/podcast/let-s-go-devils-podcast--2862943/support.

Thank you to our sponsor, MultiChain Advisors!The beef between Solana dapps Jupiter and Kamino has taken a new dimension as Kamino has accused Jupiter of lying about contagion risks. In this episode of Uneasy Money, hosts Kain Warwick, Luca Netz and Taylor Monahan dive into whether Jupiter misled users and raise questions about Kamino's response. Plus, after Tarun Chitra's paper on Hyperliquid's ADL, they dig deep into the exchange's design: did they cause unnecessary liquidations on Oct. 10?  At the same time, they break down Lighter's 0% fees model. Does it resemble Robinhood? And how smart is it actually?  Plus, what Farcaster's big pivot means for the future of Web3 social, and what Taylor says it would take to crack it. Hosts: Luca Netz, CEO of Pudgy Penguins Kain Warwick, Founder of Infinex and Synthetix Taylor Monahan, Security at MetaMask Links: Unchained: Jupiter COO Says Vault's ‘Zero Contagion' Claim Was Not Fully Accurate Uneasy Money: Did Solana Dapp Kamino Break the Golden Rule of DeFi? Uneasy Money: Hyperliquid's Dilemma After 10/10: Protect Itself or Its Users? Linda Xie on How Mini-Apps Are Helping Farcaster Take on Web2 Social Media Timestamps:

Stefán Pálsson, sagnfræðingur og knattspyrnuáhugamaður með meiru, er gestur Helga Fannars í Íþróttavikunni þennan föstudaginn.Mohamed Salah, fjaðrafok í kringum Hlíðarenda og hrun Luton á skömmum tíma. Þetta og fleira í þættinum.

Þessar vikurnar streyma nýútgefnar bækur í bókabúðir og verslanir um allt land í hinu svokallaða  jólabókaflóði . Hugtakið vísar til þess þegar nýjar bækur „flæða“ inn á markaðinn rétt fyrir jólin – þetta hugtak er að sjálfsögðu að löngu orðið rótgróið í íslenskri tungu, en á undanförnum árum hefur hugtakið „jólabókaflóð“ byrjað að skjóta upp kollinum á ólíkum tungumálum í erlendum fjölmiðlum. Branislav Bedi, verkefnastjóri hjá Árnastofnun, sest hjá okkur í upphafi þáttar til að segja okkur meira. Svo kíkjum við í heimsókn á leikskólann Hlíðarenda. Þar finnur starfsfólk fyrir spenningnum og tilhlökkuninni sem eykst hjá börnunum eftir því sem nær dregur jólunum. Sigrún Inga Reynisdóttir deildarstjóri segir mikilvægt að skapa rólegt umhverfi í kringum börnin í desember. Við fáum einnig að heyra í Unni, 5 ára, og Matthíasi Myrkva, 4 ára. Þau segja okkur allt um Grýlu, jólagjafir, jólasveina og syngja fyrir okkur jólalög. Þegar jólaösin er komin á fullt er mikilvægt að gefa sér tíma og staldra við. Það er auðvelt að gleyma sér í streitunni og því skiptir máli að nálgast jólahátíðina með ró, njóta góðra stunda og tengsla við fólkið í kringum sig. Sigrún Þóra Sveinsdóttir, doktor í lífeðlisfræðilegri sálfræði, kíkir til okkar í lok þáttar og gefur okkur góð ráð til að halda púlsinum niðri í jólaösinni. En við byrjum á jólabókaflóðinu. Tónlist úr þættinum: Simon and Garfunkel - The only living boy in New York. Stevens, Sufjan - Come on let's boogey to the elf dance. Boygenius - Powers.

Thank you to our sponsor, MultiChain Advisors!The beef between Solana dapps Jupiter and Kamino has taken a new dimension as Kamino has accused Jupiter of lying about contagion risks. In this episode of Uneasy Money, hosts Kain Warwick, Luca Netz and Taylor Monahan dive into whether Jupiter misled users and raise questions about Kamino's response. Plus, after Tarun Chitra's paper on Hyperliquid's ADL, they dig deep into the exchange's design: did they cause unnecessary liquidations on Oct. 10?  At the same time, they break down Lighter's 0% fees model. Does it resemble Robinhood? And how smart is it actually?  Plus, what Farcaster's big pivot means for the future of Web3 social, and what Taylor says it would take to crack it. Hosts: Luca Netz, CEO of Pudgy Penguins Kain Warwick, Founder of Infinex and Synthetix Taylor Monahan, Security at MetaMask Links: Unchained: Jupiter COO Says Vault's ‘Zero Contagion' Claim Was Not Fully Accurate Uneasy Money: Did Solana Dapp Kamino Break the Golden Rule of DeFi? Uneasy Money: Hyperliquid's Dilemma After 10/10: Protect Itself or Its Users? Linda Xie on How Mini-Apps Are Helping Farcaster Take on Web2 Social Media Timestamps:

Exerzitien Online der Karmelitenmit der hl. Mirjam von Jesus, dem GekreuzigtenAdvent 20253. Woche im Advent - Mirjam und der Hl. Geist Sie können sich kostenlos anmelden: http://online-exerzitien.karmel.atSie werden wöchentlich eine Mail erhalten, die eine Meditation für den Sonntag und Kurzimpulse für jeden Tag enthält.Hier finden Sie den Text der Meditation:https://mcusercontent.com/7c9d2aa0ecc1fde64fd44bc67/files/a59cec7a-14a9-1704-d192-167163133189/W3_DE.pdfEine Initative von:Karmeliten in Österreich.   http://karmel.atEdith Stein Gesellschaft Österreich.  http://edith-stein-gesellschaft.atMarienschwestern vom Karmel: http://marienschwestern.atCI-Verlag. http://ci-verlag.atSupport the show

In dieser Episode 49 von "Mit IHM Betrachten" dieser neuen Serie (nach Wunsch und Erfordernis) zum SELBST-Reflektieren sehen wir uns genauer an, was uns CHRISTUS Jesus in Bezug auf unser Verständnis darüber, wie wir den Traum und Illusionen nutzen bzw sehen lernen, was wir uns damit anbieten wollen, aufzeigen und lehren will. Wir erkennen an, dass Träume nur einen "leeren Raum" im Geist eröffnet, der mit den Gaben des Segens, der Liebe und Freude aufgefüllt werden will. Dies wollen wir auch berücksichtigen, solange noch Wünsche da sind, die sich noch manifestieren sollen. Die Funktion des Hl. GEISTES zu erkennen, bekommt dabei eine wesentliche Rolle. Wir teilen unsere Erfahrungen diesbezüglich und sehen uns dazu auch einige praktische Beispiele aus unseren persönlichen Situationen an, die wir mit IHM betrachten und – so neu ausgerichtet – verstehen lernen, was unser Verständnis darüber uns anbietet und in uns an Erkenntnisse eröffnet. ◊ ◊"#MitIHMBetrachten" mit #Devavan und EKIW – #einkursinwundern * — aus dem Übungsbuch, aus der Lektion 344 von Ein Kurs in Wundern - EKIW  ◊ ◊Aufnahme auf YouTube: https://youtu.be/cbSHDgFXO2E

Sigrún Pálsdóttir er gestur Víðsjár í dag og segir frá skáldsögu sinni Bláa pardusinum hljóðbók, sem hefur verið tilnefnd til bæði Fjöruverðlauna og Íslensku bókmenntaverðlaunanna. Bókin segir frá þremur persónum sem allar eru að hlusta á sömu hljóðbókina, Bláa pardusinn, og sem allar upplifa söguna mjög ólíkt. Líf þessara þriggja einstaklinga fléttast svo saman á óvæntan hátt undir lok sögunnar. Innan sögu Sigrúnar eru margar sögur og einnig margir höfundar og óhætt er að segja að lesturinn opni á skemmtilegar vangaveltur um lestur og hlustun, mörk skáldskapar og sagnfræði, túlkun og stöðu höfundarins. Trausti Ólafsson rýnir í uppfærslu Óðs á La Boheme í Borgarleikhúsinu og Gauti Kristmannsson rýnir í Hlöðu Bergsveins Birgissonar.

Isaiah 40:1-5, 28-31 The Promise of Peace (vv. 1-5) The voice of consolation The voice of expectation The voice of resolution The Power of Peace (vv. 28-31) Focus on Gods power (Isaiah 26:3-4) Focus on Gods provision He gives power He gives perseverance More to Consider An Introduction to the God of Israel (40:126): This chapter describes eight attributes of God. His mercy (40:12) 1.He comforts (40:1): He wants his people to be comforted. 2.He forgives (40:2): Jerusalem has been pardoned and punished in full for her sins. His glory (40:35) 1.The messenger (40:3): Isaiah predicts the ministry of John the Baptist. 2.The message (40:45): John calls Israel to repentance in preparation for the glorious appearance of the Messiah. His eternality (40:69): Gods word stands forever, unlike people, and his people are called to proclaim the Lords coming. His gentleness (40:11): God will treat his own with the same tenderness a shepherd displays for his flock. His omnipotence (40:10, 12, 26): He is master over all nature. His omniscience (40:1314): He knows and understands all things and needs no one to counsel or advise him. His sovereignty (40:1517, 2124) 1.All nations are as a drop in the bucket, as dust on the scales to him (40:1517). 2.He is enthroned above the circle of the earth (40:2122): He spreads out the heavens like a curtain and makes his tent from them. 3.He rules over all people (40:2324). His uniqueness (40:1820, 25): He cannot be compared to anyone or anything. HL. Willmington, The Outline Bible (Wheaton, IL: Tyndale House Publishers, 1999), Is 40:120.

Exerzitien Online der Karmelitenmit der hl. Mirjam von Jesus, dem GekreuzigtenAdvent 20252. Woche im Advent - Mirjam und der Hl. Geist Sie können sich kostenlos anmelden: http://online-exerzitien.karmel.atSie werden wöchentlich eine Mail erhalten, die eine Meditation für den Sonntag und Kurzimpulse für jeden Tag enthält.Hier finden Sie den Text der Meditation:https://mcusercontent.com/7c9d2aa0ecc1fde64fd44bc67/files/1d8db0c6-e760-502d-18bf-2abdd654d195/W2_DE.pdfEine Initative von:Karmeliten in Österreich.   http://karmel.atEdith Stein Gesellschaft Österreich.  http://edith-stein-gesellschaft.atMarienschwestern vom Karmel: http://marienschwestern.atCI-Verlag. http://ci-verlag.atSupport the show

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Leiðir til byggðafestu var yfirskrift verkefnis sem kláraðist á dögunum. Þar var leitað leiða til að efla byggð á þeim landsvæðum sem mest eiga undir sauðfjárrækt, í Dölum, Ströndum, Reykhólasveit og á Norðurlandi vestra. Unnin var greining á tækifærum til að efla byggð í þessum sveitum og síðar unnið að tillögum til úrbóta regluverks og staðið fyrir fræðslu heimamanna. Hlédís Sveinsdóttir og Björn Bjarnason stýrðu verkefninu, þau setjast hjá okkur í upphafi þáttar og segja okkur nánar frá því. Hver jól njóta mörg hundruð börn góðs af starfsemi Hjálparkokka, félagssamtaka sem aðstoða fátækar fjölskyldur að kaupa jólagjafir handa börnunum sínum. Hildur Oddsdóttir og Birna Kristín Sigurjónsdóttir, formaður og varaformaður Hjálparkokka, setjast hjá okkur seinna í þættinum til að segja okkur meira um starfsemi Hjálparkokka.

Omnia is the CoFounder of Kinetiq.In this new episode of Yield Talks on The Edge Podcast, we dive into an overview of HIP-3 markets, Kinetiq's token launch tomorrow, and what a Hyperliquid builder might speculate on happening next, following the upcoming one year anniversary of the HYPE airdrop.------

This week's episode is also due for an update since it aired in 2022. Will be focusing on Hodgkin Lymphoma (HL), both classical and nodular lymphocyte-predominant. We will go into important details on the pathology, staging, Deauville scoring, and treatment for early stage/advanced stage as well as relapsed and refractory HL.

V pátém patře pražských Hlávkových kolejí bydlel v jednolůžkovém pokoji student posledního ročníku medicíny Jan Opletal. Vedle něj měl pokoj student prvního ročníku techniky Ladislav Bém.

Na českém venkově je znali všichni. Muže v šedozelených stejnokrojích. Hlídali klidné noci první republiky, jejich svědomí bylo zkoušeno během nacistické okupace a nakonec museli čelit změnám, které přišly s únorem 1948.

Uzurpace a kumulace moci politiků, populismus, propaganda, ohrožená veřejnoprávní média. Podle filozofa Václava Němce je třeba podobná ohrožení demokracie kritizovat. „Prvními, kdo by měl hlídat politiky, aby si neuzurpovali moc, jsou sami občané. Podle demokratického pojetí suverenity jsou vlastně jiným zdrojem politické moci ve státě,“ zdůrazňuje v pořadu Osobnost Plus. Hlídat by se měli i politici navzájem: „Od toho máme princip dělby moci.“Všechny díly podcastu Osobnost Plus můžete pohodlně poslouchat v mobilní aplikaci mujRozhlas pro Android a iOS nebo na webu mujRozhlas.cz.

Betra seint en aldrei!Endalínan kom saman á Sunnudegi að þessu sinni og fór yfir allt og ekkert. Nýtt Endalínustef eftir þann allra besta, Helga Sæmund!Hvað er að frétta af Hlíðarenda?Voru breytingarnar á Akranesi til góða?Hvernig vinna Þórsarar leik?Verður Ægir að spila alltaf?Hvað geta Ármenningar gert?Allt þetta og miklu meira í Endalínunni í samstarfi við Comfyballs, Bagg.is og Viking Lite (Léttöl)

Welcome to Season Two of Flail to the Face! We got some new cast members, new(ish) Gm and a "HōL" new adventure! That joke will never get old... Enjoy the episode!This episode of Flail to the face features the game Human Occupied Landfill by Todd Shaughnessy, Daniel Thron, Chris Elliott.With:Thomas Genno-Stume playing Dalton Walls.Tom Gambino playing Collette Stellarno.Charles Paschke playing Donnie.And Kevin Welch as the GameMaster.Season 2 theme music is Void Construct by Alex Grohl.Editing by Kevin Welch.Cover Art by Tom Gambino with assets from UnitSix.Video Editing by Dan FinneySFX courtesy of Epidemic Sound & Pixabay.Whispers of the Dying Lands:https://open.spotify.com/show/7yFvPcYtVa2jP5nCI1QqCS?si=9b22LV8ORPO400RWs3u-cQFind us on whatever social media platform you use:FacebookTwitterInstagramBlueSky#FlailToTheFace #mörkborg #actualplay #podcast #ttrpg #hol #humanoccupiedlandfill

Dodgers beat the Blue Jays in 18 innings and I stayed up for the whole thing; (10:00) Mark Stoops on Auburn; (19:00) Jon Hale of the HL on the state of UK football; (39:00) more from Stoops on how his team is still battling; (50:00) UK radio voice Darren Headrick on baseball and women's basketball; (1:09:00) EKU's Walt Wells on the Colonels' upcoming trip to Central Arkansas and a hot-headed tennis player needs a hug

Vesper-Predigt anlässlich einer Wallfahrt von Passauer Priestern und Diakonen mit der Bitte um Berufungen zum Hl. Bruder Konrad in Parzham. Bild: Pfarrer Thomas Steinberger

Two shafts go for review this week! The first is TPT's Nitro driver shaft in the 16/Hi configuration. It offers stability and consistency that I haven't seen this year in driver. The advanced tech in the shaft clearly shows in its performance on great shots and mishits. Nippon brought out their latest GOST hybrid shaft, but this time in HL. This higher launching option adds height to your shots while keeping dispersion tight.

Skipulagsmál verða í forgrunni í fyrri hluta þáttarins í dag. Skipulagsdagurinn stendur nú yfir á vegum skipulagsstofnunar og sambands íslenskra sveitarfélaga, þar sem umhverfið sem við sköpum okkur sjálf er til umræðu út frá ýmsum sjónarhornum. Við heyrum hugleiðingar Magneu Guðmundsdóttur arkitekts um gæði í hinu byggða umhverfi. Henni þykir vanta að umræða um skipulagsmál fari meira á dýptina, og að við áttum okkur á hvað það er sem skiptir raunverulega máli til að umhverfi okkar stuðli að vellíðan og farsæld. ÁST: Og gæði í skipulagsmálum verða enn til umfjöllunar þegar Ásdís Hlökk Theódórsdóttir skipulagsfræðingur ræðir við okkur um ný íbúðarhverfi. Ásdís Hlökk hefur tekið fyrir 23 ný íbúðahverfi um allt land og greint hvort og þá hver þeirra séu að reynast vel og uppfylli það sem þarf til að til að geta talist góð hverfi. Umhverfismerktar vörur og verðlag þeirra verður til umræðu í pistli Stefáns Gíslasonar við lok þáttar. Umsjón þáttar: Ástrós Signýjardóttir og Elsa María Guðlaugs Drífudóttir. Tónlist í þættinum: HJÁLMAR: Aðeins eitt kyn HJÁLMAR OG HELGI BJÖRNS: Húsið og ég STEVE MILLER BAND: Abracadabra KALEO: All the pretty girls

In dieser Episode 44 von "Mit IHM Betrachten" dieser neuen Serie (nach Wunsch und Erfordernis) zum SELBST-Reflektieren sehen wir uns genauer an, was uns CHRISTUS Jesus in Bezug über die Idee des Wirkens des Hl. GEISTES durch uns aufzeigen und lehren will. Es geht uns darum, verstehen zu lernen, dass wir in der Entschlossenheit Zeit einzusparen bzw zu kollabieren uns nicht aus diesem gegenwärtigen Moment raus bewegen, und somit die Gabe der Präsenz GOTTES in unserem in Uns Selbst Erfahren eröffnen. Es ist kein Wolllen und kein danach-Suchen, sondern ein bemühungsloses in Uns Erkennen und Reines Wissen. Wir teilen unsere Erfahrungen diesbezüglich und sehen uns dazu auch einige praktische Beispiele aus unseren persönlichen Situationen an, die wir mit IHM betrachten und – so neu ausgerichtet – verstehen lernen, was unser Verständnis darüber uns anbietet und in uns an Erkenntnisse eröffnet. ◊ ◊"#MitIHMBetrachten" mit #Devavan und EKIW – #einkursinwundern * — aus dem Übungsbuch, aus Lektion 295 & 296, sowie aus "Was ist die Wirkliche Welt?"-5. von Ein Kurs in Wundern - EKIW  ◊ ◊YouTube: https://youtu.be/c_F-IU0ZP4s

Energy security represents one of Taiwan's most pressing challenges. With virtually no domestic fossil fuel resources and limited renewable energy potential relative to its needs, the island imports approximately 98% of its energy. The semiconductor fabrication plants that drive the economy are particularly energy-intensive, requiring uninterrupted power supplies to maintain their precision manufacturing processes. Any disruption in electricity can halt production lines worth billions of dollars, making grid stability and efficient power generation not merely infrastructure concerns but fundamental pillars of Taiwan's economic competitiveness. This reality has driven the island to pursue cutting-edge power generation technologies, including advanced combined cycle plants that can deliver maximum efficiency from imported natural gas. One such plant, the Sun Ba II facility, entered commercial operation in May 2025. It was recently recognized as a 2025 POWER Top Plant award winner. “That this project got recognized with your power plant award, I think this is really a nice story and a nice finish I would never have expected when I came here,” Thomas Ringmann, director of Business Development with Siemens Energy, said as a guest on The POWER Podcast. Sun Ba II is a 2 x 1 multi-shaft configuration, which means there are two gas turbines and two heat recovery steam generators (HRSGs) serving one steam turbine. The gas turbines and the steam turbine each have their own generators. “We have used in this project our latest and biggest gas turbine—the SGT-9000HL,” Ringmann explained. “The steam turbine is a SST-5000, so that's a triple-pressure steam turbine with a combined HP [high-pressure] and IP [intermediate-pressure] turbine, and a dual-flow LP [low-pressure] turbine. Also, we had an air-cooled condenser, condensing the steam from that steam turbine, and we had a three-pressure reheat HRSG, which was of Benson-type technology.” The project began at the peak of the COVID pandemic, which presented a large challenge. “Every project meeting, every design meeting, every coordination meeting were all done online,” Andy Chang, project manager with Siemens Energy, said. “Everything was done online, because nobody can travel. We just had to figure this out.” Effective collaboration among project partners was a key to success. “The collaboration is not only with our consortium partner—CTCI, an EPC [engineering, procurement, and construction] company—but actually with also the customer, Sun Ba Power,” Ewen Chi, sales manager with Siemens Energy, said. “Everybody has the same target, which is to bring power on grid as soon as possible. So, with this same-boat mentality—everybody sitting in the same boat and rowing toward the target—actually helped the project to be successful and to overcome many challenges.” Chang agreed that on-time completion was only possible with all parties maintaining a collaborative spirit. “This power plant right now is predominantly running on baseload operation,” Ringmann reported. “So, given that high grade of operations along with a high gas price, the efficiency of our turbines actually is a key contributor to an economic value of the customer.” Meanwhile, the lessons learned from this first deployment of HL technology in Taiwan are being applied to a new project. Siemens Energy and CTCI are now collaborating on the Kuo Kuang II power plant, which is under construction in Taoyuan, northern Taiwan. “Because we have this momentum and this mentality from Sun Ba II execution, now each side, they decided that they will keep their core team member from both sides, and they will continue to cherish this partnership with the next project,” Chang reported.

Thank you for listening to The Exposed Negative Podcast. Running this podcast takes a lot of time and effort, and we hope you have found it helpful and interesting. If you would like to support us by buying us a beer or coffee, or by helping with the running costs of the show, we would greatly appreciate it. Please consider signing up for our Patreon (https://www.patreon.com/exposednegative) or making a one-time donation through PayPal (https://www.paypal.me/exposednegative).Thank you for your support!Here are the shownotes, full disclosure, some of which are affiliate links which we use to try and raise money to support the show. 4ft (120cm x 120cm) Floppy Flag: https://amzn.to/4q71b0VProfoto OCF 3' Octabox: https://aj-s.co.uk/products/profoto-ocf-softbox-3-octa?variant=39954955108532¤cy=GBP&gad_source=1&gad_campaignid=13664713889OCF speedring: https://amzn.to/4ogR3AQProfoto Softbox: https://aj-s.co.uk/products/profoto-softbox-4-120cm-octa-silver?_pos=2&_sid=541a32c1e&_ss=rDJI Osmo Pocket 3: https://amzn.to/43byl5tDJI Osmo Nano: https://amzn.to/4nWemAsCapture One Mobile: https://www.captureone.com/en/products/capture-one-mobileLS Digi ipad plate: https://www.lsdigi.com/products/lsdigi-ipad-pro-cheeseplate-systemTom's video on his ipad digi plate setup: https://www.youtube.com/watch?v=DIIShKBmGcY&t=198sUSB-C Hub - Pulwtop: https://amzn.to/4ohk3Z9USB-C Hub - Satechi: https://amzn.to/48Zu6xBLS digi USB hub caddy (for the Pulwtop hub): https://www.lsdigi.com/products/pulwtop-hub-caddyQuick release plate: https://amzn.to/42E2N8fSmallrig Nato rail to arca swiss adapter: https://amzn.to/4h5QZBzPeak Design travel tripod: https://amzn.to/4n5IdotBaby Pin to Arri adapter: https://amzn.to/4mYm1ghKondor Blue PD power to USB-C: https://amzn.to/3KLaofeLS digi - V-Lock to 100w USBC PD Adapter: https://www.lsdigi.com/products/lsdigi-powerplate-v-lock-ab-mount-100w-usbc-pd-adapter?variant=42622035787928Hot-shoe to smart phone holder: https://amzn.to/3KLaofeCalibrite Display plus HL: https://calibrite.com/us/product/display-plus-hl/?srsltid=AfmBOoqT3YW73cdIeylSfpnT7-lWd6NPQzYRSMVXtoSiQcdSw5dN9iPxGuide on calibrating the Ipad Pro: https://www.youtube.com/watch?v=gntNWGFeOT4

Predigt anlässlich der Hl. Messe zu Ehren des Hl. Maximilian am Abend im Passauer Dom

Hvernig tengist orkuvinnsla Landsvirkjunar markmiðum heims um að sporna við hlýnun jarðar og hvernig tengjast þau markmið öðrum umhverfismálum? Jóhanna Hlín Auðunsdóttir, forstöðumaður loftslags og sjálfbærni, spjallaði við Ívar Pál um umhverfis- og loftslagsmál.Þátturinn á YouTube 

Am Samstag, 4. Oktober, war der Passauer Priester Prof. Manuel Schlögl zu Gast beim Gebets- und Studientag des Augsburger Theresienwerks in Altötting. Er sprach über die Hl. Therese von Lisieux als „Lehrmeisterin christlicher Hoffnung“. Redakteur Wolfgang Terhörst gab er einen Einblick in seine Thesen und warum christliche Hoffnung tiefer gründet als eine Pfadfindertugend.

Föstudags Brennsla! Labubu æðið er eitthvað sem þáttastjórnendur eiga erfitt með. Birgitta Líf og Adam Karl fara í uppgjör vikunnar. Auðunn Blöndal segir okkur frá Bannað að Hlæja season 2! Patrekur Jaime fer yfir 5 hluti sem hann hatar. Þetta og miklu meira til í Brennslu dagsins.

Hlídá dávky, čas i předepsaný lék. Jak přesně funguje? - Jakou roli hrají panelové domy v řešení bytové krize současnosti? - Čeští vědci vyvinuli pěnu z obnovitelných zdrojů. Může nahradit syntetické materiály, ulevit planetě a změnit budoucnost průmyslu. Moderuje Naděžda Hávová.

Welcome to another MIMS episode with HL- wait a second it's not HLS. Something must be wrong! Listen as the third place loser makes sense of what travesty transpired!

Hyperliquid's USDH ticker set off the most dramatic “RFP” in recent memory. The crew breaks down why Native Markets ran away with validator support, whether the process was theater or strategy, and how the Bake-off became a marketing masterstroke—and potential leverage on Circle. We dig into Polymarket odds, the last‑minute Paxos bribery allegation (denied), and what this means for future “native” stables on Solana, app chains, and beyond. Welcome to The Chopping Block – where crypto insiders Haseeb Qureshi, Tom Schmidt, Tarun Chitra, and Robert Leshner chop it up about the latest in crypto. This week, we're joined by Guy founder of Ethena as a special guest, as a single ticker (USDH) sparked a weeklong spectacle: Hyperliquid's “Bake-off” to award the USDH stablecoin brand. Native Markets surged ahead as validators signaled support, Paxos rallied late with partners and incentives, and Ethena ultimately withdrew. Was this always a vibes‑based beauty contest, or a deliberate move to pressure Circle and re‑route bridge yield? We parse the incentives, the governance, and the market microstructure — and peek at what happens if every big chain/app tries the “native stablecoin” playbook. Show highlights

Mark Stoops talks QBs; (15:00) Lane Kiffin knew what that late field goal meant to bettors; (20:00) Jon Hale of the HL on discussions about a new UK athletics facility, as well as UK football; (39:00) Lex Legends founder Alan Stein is now a Legend himself; (53:00) Peyton Mannng reaches out to the Pope; (57:00) the daughter of former UK coach Blanton Collier on an upcoming event bearing his name; (1:12:00) how Yogi Berra once was in danger of being sidelined by... Yoo Hoo.

SEC Commissioner Greg Sankey on the SEC moving to a 9-game football schedule; (12:00) UK players, coaches on football camp coming to a close; (16:00) Jon Hale of the HL on what he sees ahead for UK football; (39:00) EKU radio voice Greg Stotelmyer on the Colonels' upcoming opener at U of L; (58:00) a look back at a busy week in college sports + Heroes, Fools and Flakes: What do Fred & Ethel and Cracker Barrel have to do with sports?

This week, Pete and Roger answer your questions about investing and planning for children, including trusts, life insurance and how to keep tax low. Shownotes: https://meaningfulmoney.tv/QA22  01:35  Question 1 Hi, A friend recommended your podcast in mid-Dec and have already listened to the Financial Advice Process and  Combining Pensions episodes (which were both 100% relevant) and working my way through the Q&A episodes. I have a question about share trading accounts for my children (14, 13 and 11). They are in a fortunate position where they all have JISA's (held at Hargreaves Lansdown) which I contribute to (max amount) and manage, without their knowledge. My wife and I also hold ISA's at HL as well, which we max out. I was taught to be a saver as a child, not an investor, and this is something I have learnt more about as I get older. Your recent Q&A podcasts mentioned a couple of times about looking forward and not back - there is nothing I can do about my historic saving, and wish this was invested rather than saved!! However, my children are a lot more savvy about investing, than I ever was at their age. The two oldest children play a game called Business Empire and are multi trillionaires, I'd like to teach them the benefits of investing in the real world, but that it might not be quite as easy as Business Empire! We have discussed setting up a separate trading accounts for the children, putting some money in (poss £3k / £5k) and the children then managing the investment decisions. I want to keep the accounts separate from their JISA, so they don't get visibility of their JISA. Preferably I own the account and login, and the children can then ask me the value or ask me to execute trades on their behalf, which they request. They will make all the investment decisions. I recognise that they could turn £3k / £5k into zero quite quickly! Let's hope that Business Empire teaches them something. The only way I have found to be able to set up trading accounts for the children is that I set up a Bear Trust for the children, which seems overly complicated for what I'm trying to achieve. Or I create an account at AJ Bell for one of the children in my name and find 2 other companies to set up trading accounts for the other children in my name. Or I create a SIPP for the children. So the question is, where / how can I set up a trading account for children, so they can get experience of investing and making their own investment decisions. Love the podcast, keep up the good work Thanks, Stuart 10:00  Question 2 Hello Pete and Roger, Really enjoying the podcast. The Q&A shows have been fantastic for hearing about other people's financial conundrums and thinking about how to apply those lessons in my own situation. I have some questions about children's savings that I hope will help others too. For context, my wife and I have a 12 year old daughter and 8 year old son. My son has a severe learning disability meaning he is unlikely to ever be able to manage his finances independently. I get a good salary from full time employment and pay additional rate tax, while my wife stopped working several years ago to care full time for our son. Question 1: Can you please interpret the rule: "if, in the tax year, the child gets more than £100 in interest from money given by a parent. The parent will have to pay tax on all the interest if it's above their own Personal Savings Allowance? Both children get £60 a month paid into children's cash savings accounts since they were babies - half from us and half from grandparents. Last year, my daughter got £300 of interest. My hope/assumption is that the rule applies per parent. Otherwise, given my personal savings allowance is £0 I would potentially owe £135 of tax on my daughter's earnings having only contributed a quarter of the funds over 12 years. We've now moved the bulk of her savings into a stocks and shares JISA to avoid any tax hassle, but this wouldn't be suitable for my son who will be unable to manage the account when he turns 18. Does it make a difference if the payments come from my wife's solo bank account vs our joint account? Question 2: Related to the above, where do you start with financial planning for a child with learning disabilities? What are the big things we should consider? Will savings in my son's name affect his entitlement to the benefits and care he will need as an adult? Any advice on finding and vetting a good financial advisor with expertise in this area, as I appreciate specific personal circumstances will have a big effect here? Thanks, David, in Leeds 19:52  Question 3 Hi Pete and Roger Thanks for all the content over the years, so glad I found your podcast in my late twenties so hopefully I can look back in years to come and thank you for helping set me on the right track financially. My question is a little general in the sense that I don't know what I don't know, but I'm wondering what things I may need to do differently now that my wife and I have our first child on the way (we're both 30 y/o). We currently save/invest each month in a mix of cash savings and a stocks and shares ISA, have a mortgage of which the payment is about to increase now our 5 year fix from 2020 is ending, and have decreasing life insurance (with critical illness cover). I mention these things specifically because they're the things I'm aware of that we may need to tweak when the baby arrives. We'd like to start putting money aside for them to use when they're 18 for travelling or a house or whatever they want really, I've heard of junior ISA's, is there an advantage to using these over just keeping a separate pot in our own names? Are there any other child specific options for this purpose? Do we also need to re-assess the life insurance when we have a child. It's currently set up to cover the mortgage should something happen to one of us, but with a child to think about I'd feel more comfortable knowing my wife wouldn't have the pressure of needing to work in the short-term alongside bringing up a child alone should anything happen to me (and vice-versa). Are there any other child related things we ought to be thinking about financially speaking? Looking forward to hearing your thoughts and perhaps changes you made when you had children! Liam 27:15  Question 4 Hi both, thanks for the great content and your dulcet tones. Please can I ask two quick question? Q1: I've paid £2880 into my child's (2y.o) Junior SIPP, grossed up to £3600 through tax relief. I am a higher rate tax payer, can I claim the extra 20% tax relief, even though it's not my private pension? If yes, is this just via my self assessment? Q2: if this £2880 was transferred, via bank transfer, from my parent (I.e. grandparent of my child) to me, then to my child, can it count as gift from the grandparent straight to my child? Or does it count as 2 gifts, a gift from my parent to me, then another gift from me to my child, for IHT purposes. Loving your work, Best wishes, Phil 30:10  Question 5 Hello gents. Firstly, a huge thank you for everything you (all!) do there at Meaningful Money.  I'm a LONG time listener, and the help and support I've gleaned from this excellent podcast over the years has been invaluable!  Keep up the great work! My question: As the parent of a disabled adult (18 years old), do you have any suggestions/recommendations for the things that we should be thinking about and putting in to place when legacy planning.  My better half and I are married, with mirror Wills in place to leave to each other, or to both children equally in the event we both die (2nd child is currently 16).  However, we are aware that should our disabled 18 year old inherit a pretty reasonable sized share of our estate, this would impact on the support and benefits that they have recently been awarded.  This must be a fairly common situation, but we haven't been able to find much clear guidance, so we're hoping you can suggest what the best way(s) to deal with this situation might be so that we know where to look? We did have a brief look in to trusts, but they seem a bit of a minefield, and we don't want to burden anyone else with what appears can become a sizable task to administer. Just to also mention, we are hoping that we will be able to get LPA's in place for our disabled child (otherwise apply for deputyship, however LPA is the preference if possible as seems the much easier option…), however we're hoping to be able to manage until our youngest reaches 18, so that they can also be added as an Attorney(/Deputy), for longevity and diversification, rather than having to do it all again in a couple of years.  Not sure how relevant that is, but added just in case… Many thanks again. Peter. 36:16  Question 6 Hello Pete and Roger, My question for you is how best to invest a lump sum that you intend to drawn down over a period of time? I will soon be in the fortunate position to be gifted a significant lump sum which I intend to use to pay school and university fees for the next 15 years that my children will be in full time education. I could just keep it in cash and a draw it down over time but I would like to invest it to generate a higher return and hopefully still have some left over at the end. How should I go about investing this money? I have a high risk tolerance but 100% equity doesn't seem sensible if I am drawing down regular amounts. Also I am an additional rate taxpayer so should I be considering asking for the money to be gifted directly to my children in a bare trust rather than to me? Keep up the fantastic work. Best regards, George

Original text by David Pogue, Macworld June 1996. The database review mentioned in this article might be one of these two. Review of the hilariously terrible Brother HL-8 printer and two (yes, two) attempts at Macintosh drivers for the HL-8. Review of the smoking hot Envisio Notebook Display Adapter (1992). Audio version. “If you've worked for the company, can you write the review? No.” Pogue found himself in a similar conundrum. His review of Finale 1.0 included the disclaimer, “Since writing this review in September 1988, David Pogue has become a paid consultant for Coda Music Software.” One reader applauded Macworld for this disclosure but still argued it was a conflict of interest. Pogue stated, “My future reviews for Macworld will not include music software,” though that was not to last very long. See his 1994/1995 reviews of AutoScore, Practica Musica, MOTU's Performer, and Opcode Vision. I don't recall and was unable to dig up any rebuttal ads targeting David Pogue. If anyone out there is in the know and feels like naming names, drop me a line and I'll update this episode. David, are you reading this? :-)