Podcasts about hmrc

In the UK, whistleblowers are encouraged to report wrongdoing, but often at cost to their livelihoods and careers. One solution would be to pay corporate whistleblowers for coming forward. However, many in government have held the idea for years that doing so is not very “British.” But now, longtime opposition to the idea seems to be shifting. Suzi Ring, the FT's legal correspondent in London, explains how and why. Plus, we speak with Nick Ephgrave, the director of the UK's Serious Fraud Office, who is taking inspiration from his decades spent with London's Metropolitan Police Service to try to change the system. Clips from ITVIf you missed part one of this series, listen to it here. The FT does not use generative AI to voice its podcasts.- - - - - - - - - - - - - - - - - - - - - - - - - - For further reading:Should corporate whistleblowers get paid?Whistleblowers could earn millions as HMRC targets tax fraudUK SFO director pushes to pay whistleblowers and use covert tacticsCorporate whistleblowing in the UK needs a shake-up - - - - - - - - - - - - - - - - - - - - - - - - - - Behind the Money host Michela Tindera is on X (@mtindera07) and Bluesky (@mtindera.ft.com), or follow her on LinkedIn for updates about the show and more. Hosted on Acast. See acast.com/privacy for more information.

It's episode 600 of the podcast, not that we're doing much to mark that milestone! We have some excellent questions today, taking in retirement planning, getting a mortgage if you have a new business and how flexible ISAs work! Shownotes: https://meaningfulmoney.tv/QA35  02:43  Question 1 Hi Pete, I'm a single household, due to pay my mortgage off in my early 50's….I have very little savings and pensions are everywhere and been 'balanced fund choices' as I either do self employed work or fixed term contracts. I'm really concerned I won't have 'enough' to retire.  Where do I start to know how much I need? I don't have an extreme fancy lifestyle but want to live comfortably with running a car, having a nice home and having a holiday every few years. I would also like to help my siblings out if possible when they need it. Also for your business…..have you thought of making it an 'employee owned trust' in the future?  This could be a good option if you don't want it swallowed up by larger organisations and want to keep a people focussed culture. Thanks, Anna 12:57  Question 2 Hi Pete and Roger Recently discovered the podcast and it's been really helpful in getting my thoughts straight about future planning - thank you! My job gives me a DB pension that as it stands will give me £4617 per year at 67 - for every year I work that will go up by one 54th of my salary, (£57k) so £1055 annually if I stay at the same grade. Increased by cpi plus 1.5% annually at the moment; and by CPI only once in payment. I can exchange part of this for a lump sum when I take it but that's a decision for another day! I'm projected for full SP at 67 after another 2 years contributing. I have £30k in a pensionbee that I'm adding to £100 a month, and after listening to the podcast I have started an AJ Bell SIPP (vanguard lifestrategy 60% equity) which I'm adding £200 a month to. Also working on the cash ladder/emergency fund - currently just £5k in a cash ISA I am hoping to get this up as much as possible. After overpaying mortgage and contributing to PensionBee/SIPP I can save £200 in a good month. I am aiming to retire as soon as I possibly can after 60, when the kids will all be in their 20s. I am sure this seems impossible but might as well aim high!!! So my priority is to build for the years between 60 and 67. And leave something for the kids, eventually! So…my question!! I have an old tiny deferred DB pension that I can take at 60, £3461 lump plus £1153 per annum (no option to take either a smaller or larger lump sum). I can't trivially commute this due to the rules of the scheme. As it's deferred there are no other benefits eg death in service. Or,  I can take this now (age 53) with a reduction for early payment so it would be worth £3076 lump and £869 per annum.  The pension increases each year by CPI while deferred and also when it's in payment. Does it make sense to take now, and put lump and monthly payment into either mortgage, or SIPP,  or cash ISA? And if so which - SIPP gets me extra 25% from the gov as it's under pension recycling amount? But £3k off my mortgage now might be better. Cant get my head around the maths of this...but my gut feel is it would be working harder for me in my hand despite the fact I'd be taxed on the annual amount? I'd make sure that with my work and personal contributions I stay in 20% tax band and reclaim from HMRC when I do my tax return. Sarah  19:39  Question 3 Hi Pete and Roger, great show and love the new format to allow listeners to ask lots of questions. My question is around pension inheritance. When a person dies and passes a DC pension to a spouse or child, does the inheritance remain in the pension wrapper when it passes on or does it lose its pension wrapper status which allows the person inheriting to use the cash as they want without the pension restrictions? Many thanks, Kavi   26:04  Question 4 Hi Pete I've been watching your videos and listening to your podcasts for about two years now and I'll start by thanking you (and the youthful Mr Weeks) for the public service you provide outside your paying work.  I have what I think is a simple question, but I don't seem to be able to find a definitive answer on-line. I retired about this time two years ago at the age of 62 so I'm 64 now.  I have a DC pension in the form of a SIPP which is currently worth a little more than £600k.  I also have a similar amount in savings (some in cash, some in an S&S ISA).  I live on a combination of the income provided by the cash and the S&S ISA, plus a series of small UFPLSs taken roughly quarterly from my SIPP throughout the tax year. At this stage the SIPP withdrawals are relatively modest (totalling maybe 12k a year, of which of course 3k is tax free).  My intention is to continue doing the UFPLSs at roughly the same rate, possibly increasing a little as a result of inflation.  State pension will add another 12k or so to my annual income in 3 years so that will likely reduce the need to increase my SIPP withdrawals for a while.  My SIPP is currently growing faster than my rate of withdrawal. I understand that the maximum tax free cash I can have out of my pension in my lifetime (under current legislation) is £268,275 and obviously at my current withdrawal rate, I'm not getting to that total anytime soon.  However if I've understood the rules correctly (and I may not have), I think my ability to have tax free cash once I reach the age of 75 goes away.  If that's true, presumably I need to crystallise my SIPP pot just before I reach age 75, taking a quarter of it or my remaining LSA (whichever is smaller) as a tax free lump sum, at which point the remainder turns into an entirely taxable (crystallised) draw down pot?  Alternatively, have I completely misunderstood what happens at age 75 and I can continue to do UFPLSs (with 25% tax free) until the cows come home, or I reach the LSA, whichever is sooner? I don't think it's relevant to my question above but just for background, I have a wife who inherits everything if she survives me, or a few nieces and nephews and charities that benefit if she doesn't.  We have no children of our own. Keep up the good work gentlemen. Regards, Robert   31:05  Question 5 Hi Pete My son, who has never been a saver (apart from workplace pension) and never seems to have any spare money (single dad, renter) is in the process of going self employed with a colleague. If all goes well, he has a chance to make a reasonable income, not be hand to mouth and periodically take lump sums as a company director. E. G £5k to £10k starting in a couple of years. My question is not about the viability of the business but this business will open up the prospect of my mid 30's son, David, owning a house while I am alive. As in, building up a deposit as dividends are paid. It may take several years and then, I assume, he would have to go through the pain of a self employed mortgage. An area that I know nothing about. In effect, he is just starting out, but we would be really interested in your thoughts about the longer term aim of buying a house. Many thanks again for your wonderful books and podcasts Helen   37:55  Question 6 Hi Pete & Roger, I continue to recommend your podcast to others.  Please keep up the excellent work.  My question is on the process of using flexible Cash ISAs.  I cannot find any worked examples online and a few IFAs I have approached suggested kicking back the question to the ISA provider but I would appreciate your thoughts. My wife and I have £200k in flexible cash isas.  We plan on using these funds for a house purchase.  Should I reduce the balance to zero, can I top the ISA back up to the full £200k provided the money goes in and out of a 'flexible' cash isa (and is within the same tax year)?  I would be in a position to do this following the sale of some investment property.. And the second part of the question would be can the money move freely between a stocks and shares isa and a flexible cash isa eg £200k in a flexible cash isa moved into a stocks and shares isa > then back to the flexible cash isa. We are both higher-rate tax payers and I won't drop a tax bracket in retirement so I feel the ISAs are the most useful savings bucket we hold. Take care and all the best. Stuart  

Send us a textPolicy shapes pay packets, childcare, heating bills, and even how we move around our cities. We break down Rachel Reeves' Autumn Budget without jargon, showing how frozen thresholds create fiscal drag, why dividend and property tax hikes shift the balance toward taxing wealth, and how ISA changes nudge under 65s into risk. We look at the upside too, scrapping the two child cap, targeted help on energy bills, a rare freeze on rail fares, and what the new EV per‑mile charge means for the future of funding our roads and the reality of going electric.Power is shifting in entertainment as well. With Paramount Skydance launching a hostile bid for Warner Bros Discovery and outbidding Netflix, we explore what consolidation means for the streaming wars, catalogue control, and your monthly subscriptions. Culture isn't only created; it's distributed, priced, and fenced off, and those decisions ripple through what stories get made and who gets to see them.Safety and dignity are non negotiable. We spotlight the British Transport Police's silent text service 61016 so you can discreetly report harassment on the Tube, and we talk candidly about luxury retail bias versus glossy representation, even as A$AP Rocky fronts Chanel. In the workplace, we share a tactical playbook for handling an aggressive senior colleague: set boundaries, document meticulously, build public advocates, and use policy to protect yourself. We also preview a practical series on starting a UK business the right way trademarks, bookkeeping, HMRC timelines and celebrate Sister Scribble's sell out momentum and what it takes to scale a young brand with intention.If this conversation helps you see your money, career, and safety with clearer eyes, follow the show, share it with a friend, and leave a review telling us the moment that hit home most. Your feedback keeps this community sharp and growing.Referenced Podcast Episode:The New skills Economyhttps://open.spotify.com/episode/4jdXWn8DpFgiER9nVVILa2?si=bgRbofTVTTO7572fUajLmwSponsorships - Email me: hello@toyatalks.comTikTok: toya_washington Twitter: @toya_w (#ToyaTalksPodcast) Snapchat: @toyawashington Instagram: @toya_washington & @toya_talks https://toyatalks.com/ Music (Intro and Outro) Written and created by Nomadic Star Stationary Company: Sistah Scribble Instagram: @sistahscribble Website: www.sistahscribble.com Email: hello@sistahscribble.com

My milkshakes brings HMRC to the yard...

For years, corporate whistleblowers in the UK have found themselves in an unenviable predicament. They're encouraged to report wrongdoing, but at the same time they often feel like they've risked everything: their careers and livelihoods in exchange for little. In this special two-part series, we explore why critics think this system is failing whistleblowers and what the UK can do to change things.In part one: We hear from two whistleblowers who share why they blew the whistle and what went wrong after. Plus, the FT's financial regulation editor Martin Arnold and Mary Inman, the attorney who represented well-known whistleblowers such as Frances Haugen of Meta and Tyler Shultz of Theranos, discuss the systemic issues whistleblowers have faced in the UK. Part two airs next Monday, December 15.The FT does not use generative AI to voice its podcasts.- - - - - - - - - - - - - - - - - - - - - - - - - - For further reading:Should corporate whistleblowers get paid?Whistleblowers could earn millions as HMRC targets tax fraudCorporate whistleblowing in the UK needs a shake-upAsset management: inside the scandal that rocked GAM - - - - - - - - - - - - - - - - - - - - - - - - - - Behind the Money host Michela Tindera is on X (@mtindera07) and Bluesky (@mtindera.ft.com), or follow her on LinkedIn for updates about the show and more.Read a transcript of this episode on FT.com Hosted on Acast. See acast.com/privacy for more information.

In this episode, Steve Wallis and I sit down to unpack what the latest UK Budget really means for commercial property investors. There's been so much noise, speculation and confusion over the past week, so we're cutting through the chaos and focusing purely on what impacts you if you own, manage or plan to buy commercial property.We break down the new tax rules on property income coming in from 2027, including the introduction of separate tax bands for rental profits and what this means if you hold property in your personal name versus through an SPV. We also discuss the increases to dividend tax, how this affects anyone extracting profits from a company, and why overall this Budget pushes investors even further towards using corporate structures.Together, we cover the changes to salary sacrifice pension contributions, the government's tougher stance on HMRC enforcement, and the move towards more automatic and regular tax payments for Self Assessment — all of which will influence cashflow planning and portfolio management.By the end of the episode, you'll understand exactly what's changing, how it affects your current investments, and where the opportunities now sit. If you want to talk through how this applies to your personal strategy, you can book a call with my team at https://ncrealestate.co.uk/bookacall

Hello and welcome to episode 206 of the Financial Crime Weekly Podcast. I am Chris Kirkbride. This episode examines global financial crime, starting with sanctions evasion challenges: a report highlights 113 Russian 'shadow' vessels moving €4.7 billion in oil using false flags, then to a UK OFSI General Licence for Lukoil International Entities, while the EU considers using frozen Russian sovereign assets for Ukraine. UK enforcement updates include the FCA charging a former banker and associate in a £70,000 insider dealing case and arresting another for suspected market manipulation. HMRC also announced higher Economic Crime Levy rates from April 2026. Finally, we cover global efforts: the Council of Europe launched an anti-corruption/money laundering initiative, and INTERPOL adopted a Strategic Framework targeting transnational scam centres, though Transparency International warns UK Overseas Territories are lagging on corporate transparency reforms.A transcript of this podcast, with links to the stories, will be available at www.crimes.financial.

Thousands of people who've paid millions of pounds into an insurance plan they thought would cover their funeral costs face getting nothing in return. The insurer has told them their policies are being cancelled. Some had paid into the plan through their credit union for decades expecting a cash payment to go to their families when they died. But the cover will now come to an end as the insurer says a clause in the contract allows it to pull the plug with 30 days' notice and give its customers - a number of whom are in their 80s - nothing.Now you might think receiving one tax demand a year is more than enough, but if you happen to be subjected to a so-called 'Simple Assessment' by HMRC you may well just have received a second one. HMRC have confirmed that they have started either issuing – or updating previously issued – Simple Assessments to include savings interest from 2024-25. But some tax advisors are concerned that people who paid their first bill covering earnings - back in the summer - could easily get confused and find themselves paying twice, once this new demand arrives.And - with speculation mounting as to what will be in the Chancellor's budget – now just four weeks away – listeners have contacted us with their views about what may, or may not happen to Cash ISAs. This follows speculation that Rachel Reeves may reduce the cap on the amount you can save tax free in a cash ISA from £20,000 to a much lower amount such as £10,000, with the caveat that savers would be incentivised to invest more into the stocks and shares of British companies. Presenter: Paul Lewis Reporters: Sarah Rogers, Jo Krasner Researchers: Eimear Devlin, Catherine Lund Editor: Craig Henderson Snr News Editor: Sarah Wadeson

In this episode Dan discusses the recent Budget given by Rachel Reeves, the UK chancellor. He chats about that bits that really matter to the small business owner, including dividend tax rises, wages rises, HMRC, property tax ……. all this and more on today's HeelanHub! www.heelanassociates.co.uk/podcast - the show for UK small business owners. info@heelanassociates.co.uk 02392 240040

Mark gives an immediate reaction to the Chancellor's Budget, calling out the heavy leaks beforehand, the rise in taxes, and the lack of a clear growth plan. He touches on changes to income tax on property and savings, ISA reform, new capital allowance rules, road pricing for EVs, salary sacrifice caps, mansion tax plans, HMRC compliance increases and national minimum wage pressures. Overall he sounds unconvinced that there's anything in the announcement that helps businesses or boosts growth.For more information on this topic and more, please visit www.mercia-group.com for further details.

Tune into this weeks podcast as we react to the latest HMRC adjournment, look at what is happening in the world of Salford Red Devils at this uncertain time for the club.

In this episode, Alexis Armitage, Taxing Matters host and Senior Associate at RPC, speaks with Rebecca Sheldon of Old Square Tax Chambers, about the Court of Appeal's recent decision in A Taxpayer v HMRC, in which Rebecca was instructed on behalf of the taxpayer. The discussion focuses on how "exceptional circumstances" under the Statutory Residence Test (SRT) should be interpreted, particularly where personal and moral obligations are involved. Join Alexis and Rebecca as they discuss:the background of the case and why HMRC challenged the taxpayer's UK residency statusthe SRT and the meaning of "exceptional circumstances"why the taxpayer's claim under the SRT is of particular interestthe journey of the case through the FTT, the UT and finally the Court of Appealhow the case is relevant for other taxpayers seeking to rely on "exceptional circumstances" in the context of the SRTthe key lessons from the decision for taxpayers and advisors on evidence and planning residency days.Thank you for listening to this episode. You can listen to and subscribe to Taxing Matters on Apple Podcasts and Spotify and stay up to date with developments in the tax world.If you would like to discuss any of the matters raised in this episode, or find out more about our tax services, please contact Adam Craggs or Alexis Armitage.All information is correct at the time of recording. Taxing Matters is not a substitute for legal advice. Hosted on Acast. See acast.com/privacy for more information.

Become a part of the Progressive Property refer-a-friend scheme and Earn up to £250 when someone attends one of our events – you can enrol here: https://www.progressiveproperty.co.uk/raf/ HMRC is cracking down harder. They are hiring 1000s more staff and using AI tools and data mining in their investigations, which is catching a lot of property professionals out. Today, Sean deep dives into the subject, so you don't have to. He explains what HMRC¨s new surveillance system is, how it is going to potentially impact your business, and what you can do in your business to survive the onslaught and thrive. If you want to take the next step and put what you have learned from this podcast into action, you only need to click here - https://www.wealthbuilders.co.uk/progressive-podcast KEY TAKEAWAYS HMRC is massively stepping up their game. HMRC´s Connect system scans everything—your property deals, bank moves, whether you drive an expensive car, even your socials. The era of low scrutiny is over. Assume HMRC sees it all. People are getting caught - particularly property investors. Sean shares several eye-watering real-world examples. Audit yourself before HMRC does. Digitize everything and keep your accounts clean. The system already knows, hiding it doesn't make it invisible. It just makes it suspicious, and you'll receive a larger penalty when the Connect system finds out. The smart property professional adapts and keeps growing. They know that tax follows profit and profit follows structure. BEST MOMENTS "HMRC are cracking down even harder on monitoring our income." "(HMRC Connect) can cross-check your income with your lifestyle, your mortgage, your company filings, your personal bank accounts. You can't outsmart it." "Property investors, we're the easiest targets. Why? Because we leave footprints everywhere, every deal, every mortgage, every tenancy. There's nowhere to hide." EPISODE RESOURCES SSAS episode - https://podcasts.apple.com/gb/podcast/how-to-find-new-sources-of-money-for-your-property/id1176574597?i=1000732731927 UK rent prices - https://podcasts.apple.com/gb/podcast/the-harsh-truth-about-uk-rent-prices-in-2025/id1176574597?i=1000725621585 VALUABLE RESOURCES MSOPI – Multiple Streams of Income: https://www.progressiveproperty.co.uk https://kevinmcdonnell.co.uk ABOUT THE HOST Sean Fitzpatrick is a property investor, educator, and the Face of Progressive Property. With a 6-figure portfolio and expertise in creative strategies, finance, and off-market deals, Sean shares success stories from the Progressive Property community, expert insights, and real-world strategies to help investors succeed. Tune in for practical tips and no-nonsense advice to accelerate your property journey. ABOUT THE HOST Kevin McDonnell is a Speaker, Author, Mentor & Professional Property Investor. He is an expert when it comes to creative property investment strategies. His book No Money Down: Property Invest talks about how to control and cash flow other people's property to create financial freedom. CONTACT METHOD https://www.facebook.com/kevinMcDonnellProperty/ https://kevinmcdonnell.co.uk/ TikTok: https://www.tiktok.com/@progressiveproperty YouTube: https://www.youtube.com/channel/UC0g1KuusONVStjY_XjdXy6g Twitter: https://twitter.com/progperty LinkedIn: https://www.linkedin.com/company/progressiveproperty Instagram: https://www.instagram.com/progressiveproperty/ Facebook Community: https://www.facebook.com/groups/progressivepropertycommunity Facebook Page: https://www.facebook.com/Progperty This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

Celebration time, friends: with this week's Hannah Spence interview, we've now had the entire Higher⚡️Voltage speaker lineup on “Let's Talk About Brand”!Former teacher Hannah actually has THREE brands (which we of course talk about): her tutoring business Prep4Prospects, her multiple-award-winning social media agency Clockflower Solutions, and her own emerging personal creator brand, Miss Be Seen, where Hannah takes the lessons she's learned about visibility, puts them into action, and teaches you how to do the same.How did Hannah leave the literal glitter of primary school, for the virtual glitter of the social media business, for the once-again-sometimes-actual glitter of seeing and being seen? Well, you'll just have to listen to this week's episode! (And if you'd like to Be Seen yourself, come listen to Hannah's talk on visibility at my Higher⚡️Voltage event for solopreneurs at Battersea Power Station in London on January 22, 2026!)In this episode:Clockflower Solutions (business brand) vs. Miss Be Seen (personal brand)“The minute HMRC said, this is a business, I thought, wow, I have a business!”Prep4Prospects to Clockflower Solutions Showing up in new spaces, and in different waysPutting on her own eventsFinding her different audiencesPutting your energy towards events that matter–and making them worth itHannah's SEEN frameworkWhat Hannah brings to her clients (and events…and life!)The penny dropHannah's hidden talents (and mine!)Higher Voltage's opening number?Find Hannah:LinkedInClockflower Solutions InstagramClockflower Solutions websiteMiss Be Seen Instagram❤️Get Started on Your Personal Brand Journey with a sampling of Christine's Personal Branding Questions here: https://www.gritmon.com/talkaboutmybrand❤️Get Started on Your Personal Brand Journey with a sampling of Christine's Personal Branding Questions here: https://www.gritmon.com/talkaboutmybrandSubscribe to the Let's Talk About Brand Newsletter that goes out weekly to ensure you don't miss a beat! Hosted on Acast. See acast.com/privacy for more information.

This week Tom Goddard and Paul Haywood-Schiefer look at the Government’s possible attempts at fiscal choreography with the potential Income Tax and NICs see-saw. One goes up, one goes down… but as they explain, that doesn’t always mean a neutral outcome for taxpayers. They then discuss what a cap on salary-sacrifice pension contributions would mean: a measure that could be highly attractive to the Treasury while many taxpayers barely feel a ripple. And while pension savers might lose out, families with more than two children could gain significantly if the Child Benefit cap is lifted - though the policy could carry a £4bn price tag. Finally, news of a possible adoption by HMRC of a US-style whistleblower reward scheme, offering up to 30% of tax recovered. A bold, creative and undoubtedly controversial, idea.See omnystudio.com/listener for privacy information.

Welcome back to The Fan Debate, brought to you by Sky Bet.In this episode, Jamie Carragher is joined by Wayne Rooney and some of the biggest fan channels in the country to discuss the biggest stories in football right now.After Manchester City's win over Liverpool, Pep's side close in on Arsenal, who dropped points against in-form Sunderland. Should the Gunners be worried as City hit top gear in the title race?Liverpool come under fire, with questions over Arne Slot's tactics and whether the title race is slipping away. Liverpool fan Gareth also responds to Roy Keane's comments about Anfield's reaction to Trent Alexander-Arnold.At Manchester United, Ruben Amorim's side are showing real signs of progress as they look to build momentum at Old Trafford.We're also joined by Karel, the HMRC of Football, who gives his take on Chelsea's turbulent start to the season, as well as hearing from fans of Bournemouth, Spurs and Wolves.Can Man City catch Arsenal, or will Arteta's side hold firm? Let us know your predictions in the comments and don't forget to like and subscribe to The Overlap! Hosted on Acast. See acast.com/privacy for more information.

On this special episode recorded live at the CIPP's (Chartered Institute of Payroll Professionals) Annual Conference and Exhibition (CIPP ACE) in Newport, Wales, Pete sits down with Samantha O'Sullivan, Policy Lead at the CIPP, to unpack the evolving role of payroll in shaping national policy and digital transformation. They discuss the CIPP's groundbreaking secondment with His Majesty's Revenue and Customs (HMRC), a first-of-its-kind partnership embedding a payroll leader directly inside government to help modernize the U.K.'s tax and payroll infrastructure. Samantha shares how this collaboration is redefining payroll's strategic value, driving modernization of legacy systems, and bringing a practitioner's voice into national transformation initiatives. The conversation dives into why payroll must have a seat at the table - in both government and the C-suite - and how empathy, collaboration, and data-driven leadership are reshaping the profession. From payrolling benefits in kind to tackling the UK's £475 billion tax landscape, this episode spotlights payroll's power to influence policy, enhance compliance, and elevate its standing as a true strategic function. Connect with Samantha: LinkedIn: https://www.linkedin.com/in/samantha-o-sullivan-mcippdip-policy-lead/ CIPP Website: https://www.cipp.org.uk/ Join the CIPP: https://www.cipp.org.uk/membership/join-online.html Connect with the show:    LinkedIn: http://linkedin.com/company/hr-payroll-2-0  X: @HRPayroll2_0 @PeteTiliakos @JulieFer_HR BlueSky: @hrpayroll2o.bsky.social  YouTube: https://www.youtube.com/@HRPAYROLL2_0

“I'm still working because the thieving HMRC came after me... at the most vulnerable time in my life,” Eamonn Holmes has revealed to the BelTel. He spoke to Ciarán Dunbar about his tax troubles, Donald Trump, working for GB News and growing up in the New Lodge area of Belfast. The GB News presenter is currently touring Northern Ireland with his one man show, ‘This Is My Life'. He joined Ciarán Dunbar in the studio. Hosted on Acast. See acast.com/privacy for more information.

Morse code transcription: vvv vvv Three dead and 15 injured in Tenerife tidal surge Shutdown could reduce US flights to a trickle, transport secretary warns Child benefit HMRC to review thousands of suspended payments Remembrance Sunday A moment of stillness for Royal Family and veterans Why has Tim Davie resigned and what was the Trump documentary edit British man dies after being shot during robbery in Ghana Mental health unit care workers charged after BBC Panorama probe BBC director general Tim Davie and News CEO Deborah Turness resign over Trump documentary edit Tim Davie A 20 year BBC career that finally ran out of road Will a new mutated flu strain cause a rough winter

Under what circumstances can public authorities be excused from VAT? https://uklawweekly.substack.com/subscribe Music from bensound.com

Morse code transcription: vvv vvv Will a new mutated flu strain cause a rough winter BBC director general Tim Davie and News CEO Deborah Turness resign over Trump documentary edit Mental health unit care workers charged after BBC Panorama probe Tim Davie A 20 year BBC career that finally ran out of road Three dead and 15 injured in Tenerife tidal surge Remembrance Sunday A moment of stillness for Royal Family and veterans Child benefit HMRC to review thousands of suspended payments Why has Tim Davie resigned and what was the Trump documentary edit British man dies after being shot during robbery in Ghana Shutdown could reduce US flights to a trickle, transport secretary warns

Morse code transcription: vvv vvv Will a new mutated flu strain cause a rough winter Remembrance Sunday A moment of stillness for Royal Family and veterans Child benefit HMRC to review thousands of suspended payments Shutdown could reduce US flights to a trickle, transport secretary warns BBC director general Tim Davie and News CEO Deborah Turness resign over Trump documentary edit British man dies after being shot during robbery in Ghana Tim Davie A 20 year BBC career that finally ran out of road Why has Tim Davie resigned and what was the Trump documentary edit Mental health unit care workers charged after BBC Panorama probe Three dead and 15 injured in Tenerife tidal surge

Morse code transcription: vvv vvv Tim Davie A 20 year BBC career that finally ran out of road Child benefit HMRC to review thousands of suspended payments Why has Tim Davie resigned and what was the Trump documentary edit British man dies after being shot during robbery in Ghana Three dead and 15 injured in Tenerife tidal surge Shutdown could reduce US flights to a trickle, transport secretary warns Will a new mutated flu strain cause a rough winter BBC director general Tim Davie and News CEO Deborah Turness resign over Trump documentary edit Remembrance Sunday A moment of stillness for Royal Family and veterans Mental health unit care workers charged after BBC Panorama probe

The Chancellor wants more people to invest in shares, UK companies and infrastructure projects in a bid to boost growth in the economy. Rachel Reeves argued in her recent Mansion House speech that it would make people better off, but this kind of investment involves risk and is making some people nervous. We put those concerns to Treasury Minister Lucy Rigby.When is the best time to start a pension? Around 45,000 parents and grandparents seem to think saving should start when you're born. Figures from HMRC show nearly £80 million was invested in private pensions for children in 2022/23 that's up 15%. And the buyers of around 14 million cars who were deceived or misled about the commission paid to the dealer when they took out a car loan are set to receive an average payout of £700 for each deal. That estimate came from the Financial Conduct Authority this week when it set out details of a plan to compensate them, but it's less than the 'up-to-£950' it had suggested just a few months ago.Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund Producers: Robert Cave, Craig Henderson Editor: Jess Quayle Senior News Editor: Justin Bones(First broadcast at 12pm on Saturday 11th October 2025)

The only place you can watch the FULL two parts of Cristiano Ronaldo's most revealing interview with Piers Morgan. The pair talk about everything, from the repercussions of their last interview and Ronaldo leaving Manchester United, what he thinks of the team and their manager today, whether he's better looking than Beckham, his retirement plans, the story of his engagement to Georgina and why he would love to meet President Trump. Then, joining Piers to give their reaction is an all-star sports line-up; beIN sports anchor Richard Keys, The United Stand's Mark Goldbridge, former president of Real Madrid Ramón Calderón, Sports Illustrated's Henry Winter, sports broadcaster Emily Austin,  Lionel Messi's biographer Guillem Balague and HMRC of Football creator Karel Prince - plus an appearance from Italian sports journalist Fabrizio Romano! Learn more about your ad choices. Visit megaphone.fm/adchoices

Complete our 2025 Listener Survey: https://forms.gle/smJxoWJhr66qKG4Q7We'd love to hear from you! Every year, we ask the Life After Prison audience to complete a short survey. Your answers help us understand what's working, what we can improve, and they also help us show our funders the real impact of the show. It only takes a few minutes and your feedback really does make a difference.In this brand new series, Cellmate to CEO, Tony Supreme, CEO of Soul Surge Wellness, who has lived experience of the criminal justice system himself, talks to other CEO's, leaders and changemakers about their transition from prison to leadership.In this episode Tony chats to the CEO of Offploy, Jacob Hill. Jacob talks about the ups and downs of his life so far, as the son of two retired police officers, and former ‘Yorkshire's Young Entrepreneur of the Year'. Jacob talks to Tony about the path that led him to serving a prison sentence, and how drive, passion, hard work, and not shying away from asking for help, put him on the path to leadership.Useful organisations:Offploy- Offploy is a social enterprise formed by ex-prisoners to help those with convictions secure employment and lead a positive life.Rift Social Enterprise- providing self-employment and HMRC-related advice, training and support to marginalised people in the UK. National Careers Service- Inspiring people to thrive.Contact us: If anything you've heard in this podcast has inspired you to make a positive change in your life, or you'd just like to get in touch, please contact us.

For the 100th episode of The Tax Factor, Robert Salter and Malli Kini take a look back over two rather turbulent years. 2 Prime Ministers, 2 Chancellors of the Exchequer: 2, 3 Major fiscal statements and an election. Robert and Malli then explore how HMRC is using Artificial Intelligence to identify discrepancies and catch out taxpayers, what possible changes could be coming to the taxation of partnerships and LLPs, and why the Revenue’s approach to compliance might make it the “Christmas Grinch” of the season.See omnystudio.com/listener for privacy information.

The National Association of Head Teachers has written to the Department for Education demanding it take action to address what it describes as the failing Teachers' Pensions Scheme. The union has told Money Box it's shocked at the number of members contacting it for help describing a litany of delays, miscommunication and the failure to carry out even basic services leaving many in financial disarray. The government says it understands these problems have caused frustration and it's continuing to work closely with Teachers' Pensions to resolve these issue as soon as possible.This year's Winter Fuel Payment in England, Wales and Northern Ireland is going to all pensioners but instead of everyone keeping it, those who have an income of more than £35,000 will have it taken back by HMRC. How will that work in practice?Fake news stories about the state pension have been worrying many listeners. We'll have some advice on what to look out for.And tens of thousands of motorists could be eligible for a share of £200m in compensation after insurers paid them too little on their claims. Presenter: Paul Lewis Reporters: Dan Whitworth and Catherine Lund Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast 12pm Saturday 27th September 2025)

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

▷ SUBSCRIBE TO FILTHY FELLAS https://bit.ly/FilthyFellasSub ▷ FANTASY FOOTBALL LEAGUE: https://bit.ly/FilthyFantasy ▷ LISTEN ON SPOTIFY: https://bit.ly/FilthyFellasSpot ▷ LISTEN ON APPLE PODCASTS: https://apple.co/3GIFthj ▷ LISTEN ON AMAZON MUSIC: https://amzn.to/44aouyk  WHAT A WEEKEND OF FOOTBALL… AND LOONS HAS A LOT TO ANSWER FOR. LIVERPOOL LOSE THREE PREMIER LEAGUE GAMES IN A ROW, FALLING AT ANFIELD AGAINST RUBEN AMORIM, WHO CLAIMS HIS FIRST BACK-TO-BACK PREMIER LEAGUE WINS.  IS IT TIME TO DROP SALAH? IS ARNE SLOT ON FRAUD WATCH? THERE'S A LOT TO UNPACK… TO RUB SALT IN THE WOUND, WE WELCOME JAY BOTHROYD TO THE PANEL. BUT THAT'S NOT ALL — WE HAVE ONE MORE SURPRISE UP OUR SLEEVE, AS HMRC MAKES ANOTHER RETURN… WE ALL KNOW WHERE THIS IS GOING! FILTHY FELLAS ON SOCIAL ▷ PATREON: https://www.patreon.com/filthyfellas ▷ TIKTOK: https://www.tiktok.com/@filthy_fellas ▷ INSTAGRAM: https://www.instagram.com/filthy_fellas ▷ X: https://x.com/Filthy_Fellas ▷ MERCH: https://filthyatfive.com FOLLOW THE MANDEM POET https://www.instagram.com/poetscorneruk STEVO THE MADMAN https://www.instagram.com/stevothemadman LIPPY https://www.instagram.com/dondadalippy SAVAGE DAN https://www.instagram.com/savagedan10 MARGS https://www.instagram.com/margsmt LOONS https://www.instagram.com/fruitpunch_papi KG https://www.instagram.com/kgthacomedian SKITS https://www.instagram.com/skitsybuddha SKRIBZ https://www.instagram.com/skribzst JOHN WICK https://www.instagram.com/johnwick_nvb MENACE https://www.instagram.com/mseven_____

39 days. That's how long Ange Postecoglou lasted at Nottingham Forest, the shortest managerial stint in the club's Premier League history. No wins. No draws. Just chaos. Now, with Sean Dyche set to take over, we ask: what the hell is going on at Nottingham Forest?At Anfield, Manchester United stunned Liverpool with a 2–1 win, handing the champions their fourth straight defeat. What does this mean for Liverpool's title ambitions? And for Ruben Amorim, how defining could this victory be for his tenure at United?Champions League football returns this week, with all six English clubs in action — Arsenal, Man City, Liverpool, Chelsea, Newcastle and Tottenham. The boys break down each fixture and the key storylines heading into Europe.Plus, with the Champions League back, we're building The Club's Ultimate Champions League XI — but there's a twist: every player must have won the competition, and only from the modern era (post-1992/93 rebrand).Rory and Adam are joined by Ade Oladipo and Mr HMRC himself Karel to break it all down in the latest episode of The Club. Hosted on Acast. See acast.com/privacy for more information.

Companies within the same corporate group do not have to pay VAT on services provided to each other. Here, the Supreme Court was asked how long this benefit lasts after a company leaves the group. https://uklawweekly.substack.com/subscribe Music from bensound.com

A huge internet outage caused widespread global disruption on Monday, with a number of major websites and apps experiencing significant service issues.The issue was linked to a problem on cloud computing provider, Amazon Web Services (AWS). Major organisations such as HMRC, Lloyds Bank, Ring Doorbell, Snapchat, Slack, and Fortnite were among those affected, with outage monitoring website Downdetector reporting a massive spike in errors, 6.5 million in total worldwide.Tech & Science Daily spoke to Sir Keir Starmer's former Senior Digital Adviser, Antonio Weiss, who is now a senior partner at The Public Services Consultants.Also in this episode:-Why European astronauts are training to fly helicopters ahead of lunar missions…-Alongside Cate Blanchett, The King has hailed the work of Kew Gardens' Millennium Seed Bank 25 years after it opened-Birth of rare female eastern mountain bongo is a ‘significant milestone' for species Hosted on Acast. See acast.com/privacy for more information.

In this episode Harriet and Grahame meet Bill Dodwell, the ex-Tax Director of the Office of Tax Simplification, and now non-executive for HMRC. They discuss the OTS, its successes and failures, and whether it has left a legacy in the way UK government thinks about tax. Then they move on to discuss the future of tax legislation and administration.

This week, Neil Insull and Matt Crawford look at the IFS Green Budget and its warning to Rachel Reeves to avoid “half-baked” tax fixes ahead of the next Budget. They discuss what this could mean for future policy and the pressures facing the Chancellor. They also cover a rare court ruling allowing a judicial review against HMRC five years late, and the Treasury’s plans to tighten the sugar tax, a move that could see drinks like Ribena and Lucozade changing their recipes once again. And in a final twist, they look at a VAT dispute involving laughing gas that proves there’s nothing funny about tax classification.See omnystudio.com/listener for privacy information.

Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers: https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ There have been some concerning developments coming out of the UK, none more alarming than the return of direct recovery powers for HMRC. This change gives the tax authority the legal right to seize funds directly from citizens' bank accounts without prior notice. In today's episode, Mr Henderson explores the growing global trend of aggressive tax grabs by governments, not just in the UK, but in the US and beyond. This isn't simply about higher taxes. It's about governments granting themselves the authority to take your money first and ask questions later. At its core, this is about control, not just collection. And as always, when governments get it wrong, it's you who ends up paying the price. Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ Disclaimer: Neither Nomad Capitalist LTD nor its affiliates are licensed legal, financial, or tax advisors. All content published on YouTube and other platforms is intended solely for general informational and educational purposes and should not be construed as legal, tax, or financial advice. Nomad Capitalist does not offer or sell legal, financial, or tax advisory services.

We're chatting cash following the release of Dundee United's annual accounts, with a near-£1m post-tax loss telling only half the story.  Turnover of £10.5 million, record commercial revenues, healthy wage-to-turnover ratio and a £350,000 provision to HMRC over the disputed R&D Tax case are among the major talking points.  Now, how do United take the next step towards bottom-line profitability?  On the pitch, we chew over the upcoming trip to Ibrox. Will Rangers have renewed resolve following the sacking of Russell Martin? Or can United take advantage of remaining fragility?  And the guys discuss what changes Jim Goodwin could make.    Across the road, Dundee are seeking their first victory over Celtic at Dens Park since Tommy Coyne's winner in 1988.   Will Sunday be that day?  What must improve if the Dark Blues are to stun Brendan Rodgers' champions? There are certainly selection dilemmas for Steven Pressley – only exacerbated by a couple of injury doubts.   And why a returning Cesar Garza SHOULD be a major boost for Dundee after shining against some global giants on U/20 World Cup duty. But will he get a chance?  Courier Sport reporter Alan Temple is joined by ex-Tele Sport editor Graeme Finnan.  Twa Teams, One Street is proud to be supported by SPAR Scotland.  You can also see us on YouTube at youtube.com/@TheCourierUK/videos 

The HMRC of football podcasts, Karel Prince, joins Ste and Joel to come face to face with Rio after several messages back and forth on social media. After creating several viral videos scrutinising anecdotes and stories from players about their careers on various podcasts - Karel wants to bring some more evidence to put to Mr. Ferdinand. It's the first time that Karel is in the presence of a player he's made a video about so you'll learn about the forensic process, the reasons for calling people out and the fallout that happens after the videos get released, plus Rio's reaction to some new charges brought against him. Karel looks at whether there's enough evidence out there to confirm Rio's status as the greatest defender ever to have played in the Premier League. We've got the game's best fact checker in position to hear the case for and against.Manchester United minority owner Sir Jim Ratcliffe recently suggested that Ruben Amorim will get three years to prove he is a good coach - so the guys discuss whether that's fair, analyse the comparison he made with Arteta and look at the positives of the owner making such a public stance.Plus, Rio has to pick a player to take a free-kick who has to score it, in order to save his life. So who would he choose in today's game, and from history, to take the most important set-piece of their lives? Hosted on Acast. See acast.com/privacy for more information.

This week on The Tax Factor, Annie Hughes and Sarah Stenton look at the stories making headlines in tax and business. Annie looks at Revolut founder Nik Storonsky’s move from the UK to the UAE, part of a wider trend of wealthy individuals changing their tax residency since the non-dom regime ended. Sarah highlights HMRC’s warning to pensioners about withdrawal schemes that sound too good to be true, while across the Atlantic, Donald Trump’s threat of new truck tariffs adds more uncertainty to global trade.See omnystudio.com/listener for privacy information.

The boys get you ready for the USMNT's Friday night matchup with Ecuador by breaking down the things that we're excited about. Then, Karel Prince joins the show to talk about his fascinating rise in soccer podcasting/media and how he goes about keeping athletes in check. And finally, we hear Steven Gerrard explain the reasons behind the failings of England's "Golden Generation" and we wonder if there's a little more to it than meets the eye.For even more Caught Offside content, get on over to Caught Offside Plus right now! This week, we're taking a look at a few controversial topics in global football to determine if the game is in fact gone.To sign up, just go to https://caughtoffside.supercast.com! Once you have access to the premium feed, be sure to go back and check out our special "welcome episode" from June 24th, 2024 (we don't think you'll be disappointed)!And for all the latest merch, get over to https://caughtoffsidepod.com/---Reddit: https://www.reddit.com/r/CaughtOffsidePod/X: https://twitter.com/COsoccerpodInstagram: https://www.instagram.com/caughtoffsidepod/Email: CaughtOffsidePod@gmail.comYoutube: https://www.youtube.com/@caughtoffsidepod Hosted on Acast. See acast.com/privacy for more information.

Robert Salter and Tom Goddard look at the now infamous “donkey field” connected to Keir Starmer. With politicians’ tax affairs under the spotlight yet again, Robert explains why the arrangement looks more like straightforward trust planning than a scandal, and sometimes what makes the front page isn’t really much of a tax dodge at all. The pair explore what this story says about public attitudes to politicians and tax — and whether the criticism is fair or just noise. Then it’s over to the NFL’s return to London, where visiting players could find themselves facing a very different kind of tackle: the UK tax system. Filing returns and paying into the UK’s fiscal black hole might not feature in the playbook, but it’s all part of the rules. Finally, Robert and Tom discuss HMRC’s recent stakeholder conference. Promises of closer working with advisers sound great on paper but as changes regarding National Insurance show, HMRC’s actions don’t always match the words.See omnystudio.com/listener for privacy information.

Sponsored by Pepperstone UK traders — this one's for you. Is spread betting truly tax-free? What if it's your only income? What if you're making serious money from it? In this episode, I break down the latest 2025 HMRC updates on spread betting and taxation, including some surprising clarifications buried in their official guidance. You'll discover: Why spread bets are treated differently from CFDs and futuresThe myth of “if it's your main income, you'll be taxed”What HMRC now says about professional gamblersWhy UK traders might have the best deal in the world (for now) Plus: A full blog post with links to the official guidance is available at TradersMastermind.com

▷ SUBSCRIBE TO FILTHY FELLAS https://bit.ly/FilthyFellasSub ▷ FANTASY FOOTBALL LEAGUE: https://bit.ly/FilthyFantasy ▷ LISTEN ON SPOTIFY: https://bit.ly/FilthyFellasSpot ▷ LISTEN ON APPLE PODCASTS: https://apple.co/3GIFthj ▷ LISTEN ON AMAZON MUSIC: https://amzn.to/44aouyk THIS WEEK ON FILTHY, THE BOYS GO AROUND THE TABLE AND EACH NAME THREE PLAYERS FROM THIS SEASON: • ONE PLAYER WHO HAS IMPRESSED THE MOST • ONE PLAYER WHO HAS BEEN THE BIGGEST LETDOWN • AND ONE PLAYER THAT SURPRISED THEM THE MOST PLUS, MR. HMRC IS BACK WITH MORE RECEIPTS AND HE'S NOT HOLDING BACK. EXPECT DEBATES, SHOCKING PICKS, AND PLENTY OF FILTHY TAKES AS ALWAYS. MAKE SURE YOU SUBSCRIBE SO YOU NEVER MISS AN EPISODE AND DROP YOUR OWN PICKS IN THE COMMENTS – WHO HAS IMPRESSED, DISAPPOINTED, AND SURPRISED YOU THIS SEASON? *FILTHY FELLAS ON SOCIAL* ▷ PATREON: https://www.patreon.com/filthyfellas ▷ TIKTOK: https://www.tiktok.com/@filthy_fellas ▷ INSTAGRAM: https://www.instagram.com/filthy_fellas ▷ X: https://x.com/Filthy_Fellas ▷ MERCH: https://filthyatfive.com *FOLLOW THE MANDEM* POET https://www.instagram.com/poetscorneruk STEVO THE MADMAN https://www.instagram.com/stevothemadman LIPPY https://www.instagram.com/dondadalippy SAVAGE DAN https://www.instagram.com/savagedan10 MARGS https://www.instagram.com/margsmt LOONS https://www.instagram.com/fruitpunch_papi KG https://www.instagram.com/kgthacomedian SKITS https://www.instagram.com/skitsybuddha SKRIBZ https://www.instagram.com/skribzst JOHN WICK https://www.instagram.com/johnwick_nvb MENACE https://www.instagram.com/mseven_____

This week Matt Crawford and Suzanne Briggs discuss the Resolution Foundation’s Budget proposals including a new salt and sugar tax and what that could mean for already rising food prices. Matt also runs through some draft legislation that’s been published, which some may find heavy-handed given how tricky the rules can be. Suzanne takes us through a case in the Upper Tribunal, Executors of Elborne & others v HMRC, where HMRC suffered a rare loss. But she cautions that anyone in a similar position should still take advice, as the story may not end here. And finally, a case that left one taxpayer on a very sticky wicket.See omnystudio.com/listener for privacy information.

▷ SUBSCRIBE TO FILTHY FELLAS https://bit.ly/FilthyFellasSub ▷ FANTASY FOOTBALL LEAGUE: https://bit.ly/FilthyFantasy ▷ LISTEN ON SPOTIFY: https://bit.ly/FilthyFellasSpot ▷ LISTEN ON APPLE PODCASTS: https://apple.co/3GIFthj ▷ LISTEN ON AMAZON MUSIC: https://amzn.to/44aouyk HMRC has been keeping tabs on the lads with their predictions FILTHY FELLAS ON SOCIAL ▷ PATREON: https://www.patreon.com/filthyfellas ▷ TIKTOK: https://www.tiktok.com/@filthy_fellas ▷ INSTAGRAM: https://www.instagram.com/filthy_fellas ▷ X: https://x.com/Filthy_Fellas ▷ MERCH: https://filthyatfive.com FOLLOW THE MANDEM POET https://www.instagram.com/poetscorneruk STEVO THE MADMAN https://www.instagram.com/stevothemadman LIPPY https://www.instagram.com/dondadalippy SAVAGE DAN https://www.instagram.com/savagedan10 MARGS https://www.instagram.com/margsmt LOONS https://www.instagram.com/fruitpunch_papi KG https://www.instagram.com/kgthacomedian SKITS https://www.instagram.com/skitsybuddha SKRIBZ https://www.instagram.com/skribzst JOHN WICK https://www.instagram.com/johnwick_nvb MENACE https://www.instagram.com/mseven_____

This week on The Tax Factor, Malli Kini and Stefanie Tremain show why precision matters in both politics and tax with Nigel Farage learning the hard way that there’s a big difference between “I” and “we.” The conversation then turns to the ICAEW’s warning about Government plans to regulate tax agents. While the idea might sound straightforward, could it actually make the system less effective rather than more secure? And finally, the National Audit Office reports that HMRC is losing billions to small business tax evasion including more than £800 million through the practice of phoenixing but it also warns there doesn’t seem to be an effective strategy to deal with it!See omnystudio.com/listener for privacy information.

Some great questions this week about planning for the loss of the personal allowance, investing in GIAs, persuading an aunt to write a will, and much more besides! Shownotes: https://meaningfulmoney.tv/QA26  01:11  Question 1 Dear Roger and Pete, I enjoy listening to your show driving to work. You are both down to earth and humble with your opinions. I read a lot on finance and have been investing in stocks and share ISA since 2004 and VCTs since 2017. I have built a healthy portfolio of nearly 300k in VCT, 400k in Stocks and share ISA. I also have a healthy DC pension of roughly 700k and DB pension worth around 10k per year from age 60. I am approaching 50th birthday this year and so decided to use up some of my cash savings which is in excess of my target investment of 20k in ISA and 50 k in VCT(as unable to go over 10k in pension (due to annual allowance threshold). I know I am fortunate and I also live frugally as that's my nature and don't have too many wants. The question is if I have roughly 80k in mortgage and I have the ability to clear it, should I invest that 80k in VCT on top of my regular VCT allocation of 50k and get the 30% tax benefit(as I am unable to get much tax benefit from my pension) or clear my mortgage as the mortgage is coming up for renewal and likely interest rate will be 4-4.5%. I am torn as I understand in my head that 80 k invested is better than clearing the mortgage over a 20-30 year time frame, but as I am going to be 50 and would like to clear the mortgage and have freedom to decide if I want to enter a life of FIRE or have the ability to FIRE if I get bored. However, I have kids in school and so unlikely I will FIRE until they go to university. Sorry about the long question. Thank you, Fred. 06:25  Question 2 Hello Pete / Roger, Great podcast! I hope karma holds true and all the good you give out back comes back to you both! Question: I am a higher rate taxpayer who maximises their pension, stocks & shares ISA and other best tax sheltered places so need to also build wealth in a taxable GIA. What is best strategy for a higher rate tax payer to do this... dividend / income generating stocks or accumulating (non dividend paying) investments and pay CGT at some stage (regularly)? Thanks, appreciated as ever and hope may help others Ivana  10:43  Question 3 Hi, Nick (who I assume will read this first), Pete and Roger, I'm not sure if this is a suitable question for the podcast but here goes. How can we persuade an aged aunt that she needs to write a will, as us knowing what her wishes are is not sufficient. I have an aunt who has no children but she has said she wants her estate split equally between her 8 nieces and nephews but she refuses to make a will. The problem is that if she dies intestate there is an estranged brother who would be a beneficiary as far as we understand  and so what she wants to happen won't happen. Richard J 15:50  Question 4 Hi Pete and Rog My husband and I have been MM diehards for many years. We think It's a sad reflection of the state of nation when David Beckham gets considered for a gong before Pete does! I wanted to ask you about UK T-Bills because they are rarely (if ever) mentioned in your discussion of financial instruments. We are at retirement age I have a few DB pensions and a SIPP with Interactive Investor of approx. £300k. About ½ is sitting in Cash (including short term money market funds) because we want to draw out our 25% tax free allowance within the next 2 years and we want to minimise risk until that time arrives. I still want to diversify my low risk investments  as much as possible into bonds but my experience of bond funds is that they can also drop significantly with economic conditions whereas we want something to deliver us a (near as possible) guaranteed return. Our platform (ii) allows us to purchase bonds on the primary market however they are too long-term for us to see them through to maturity given our timescales. The platform has started to release UK T-Bills which seem typically much shorter term (3 or 6 months) and therefore appear to give us what we are looking for (guaranteed rate at a decent %) and very low risk. I know the % return is determined by the ‘auction' but it currently looks to be around 4.5% on average (especially the 3-month ones). We plan to apply the bond ladder concept and buy these T-bills over the next few years on a rolling basis. As they are very short term, if rates drop we can change our strategy mid-plan so I think it also gives us a degree of flexibility too. Have we overlooked something obvious as it seems to fit our needs perfectly for the next couple of years? We are very hands-on on the platform so we don't mind getting stuck into the action process (which looks straightforward). I'd be interested if you had any additional insight / comment on T-Bills being used for this or other strategies. Regards, Gilly 22:55  Question 5 Hi Pete, Roger, Thank you for the podcast, I always look fw to listening to it on my Wednesday commute. I'm trying to figure out when it makes sense to accept paying more income tax versus increasing my pension contributions? My total compensation this tax year is estimated to be £125k meaning I will lose all of my personal allowance with an effective 60% marginal tax rate on the last £25k of my earnings. Part of my compensation is made up of RSUs and very predictable quarterly bonuses. My base salary is approx £85,000.Last year, my total compensation was £105k, with a smaller base salary. My pension contributions kept my taxable income below £100k. I do not have any children, so the loss of funded childcare is not a concern. I've been contributing 15% for the last 5 or 6 years, starting when I was earning about half what I earn now. I chose that percentage to bring earnings under the 40% threshold at one point. At the start of this tax year, I increased my pension contributions to 20% because my income increased and I had no immediate need for the extra money. My employer only matches up to 5%. I am in my mid 30s and have roughly £140,000 split between my SIPP and my current workplace pension. Both invested in 100% equities in a global fund. I am considering increasing my salary sacrifice from 20% to around 30%, to keep my taxable income below 100k to avoid the loss of personal allowance. I'm hesitant because, playing around with the compound interest calculator, starting with a £140,000 balance, contributing £1,700 per month (20% salary sacrifice), and assuming a 7.5% return (which may be slightly optimistic), I would end up with a pension pot of about £1.5 million at age 55. Which might be too much. I have £80k in my stocks and shares isa, also in global equities and I'm on track contribute 20k this tax year.  I own a flat with a mortgage, fixed at less than 2% for a couple more years with no interest in over paying. I'm worried I might end up with too much money left when I (eventually!) die, I have no kids and I am not interested in leaving a legacy. Shall I just accept the tax bill and increase my lifestyle today given I'm already saving enough that I know I will be comfortable later in life. I read die with zero a year or so ago, and it resonated with me a lot. What else is there to consider? Thank you, Mark. 29:15  Question 6 Dear Pete & Roger, I have one question on my financial planning. This year I had received extra bonus which lead to my salary at the end of tax year of £123k. I have contributed £17k to my pension using employer contributions but remaining £6k is through my company stock which was vested and I got £3.1k income after paying 47% tax. My question is as my salary threshold for this tax year crossed £100k, for this additional £6k do I need to submit self assessment and if yes, do I need to declare this £6k full stock amount completely as a separate income even though I already paid tax on it, does this mean I am also liable to pay capital gains tax on this £3.1k? I look forward to hearing from you what are my options to submit to HMRC through my self assessment so I can calculate if I owe any additional tax or HMRC will refund me some money due to £17k pension contributions? Many thanks, Vai  

This week on The Tax Factor, Rehana Earle and Ele Theochari talk about the fallout from Angela Rayner’s resignation and what it says about the complexity of the UK tax system. Was it a simple SDLT mistake or something more? They also look at Labour’s revived debate on wealth taxes and Rachel Reeves’ cautious approach to reform ahead of November’s Budget. HMRC has an increasing focus not just on the users of avoidance schemes but also on the individuals promoting them – including a barrister now in the spotlight and footballers facing hefty tax bills. And at a tribunal, one taxpayer tried the excuse that “rodents ate my receipts.” A creative attempt, but no cigar – just like the old “dog ate my homework,” it didn’t wash.See omnystudio.com/listener for privacy information.

It's another packed and mixed bag of questions here on Meaningful Money. Today we deal with Seafarer's pension contributions, tax-free cash on DB pension schemes and annual allowance calculations. Plus we give some thought to the evolution of the show… Shownotes: https://meaningfulmoney.tv/QA25    01:10  Question 1 Hi Pete and Roger Many thanks for all that you do.  I am a long time podcast listener and happy client of Jacksons. I am currently playing catch up on the current series and have a couple of thoughts on points raised in two episodes. In episode 3 - there was a question on pensions and the answer included the point that when making contributions to a scheme they are generally paid net and the scheme reclaims basic rate tax from HMRC.  Just to say that this is not always the case.  My employer recently moved its scheme to an Aviva master trust.  I wanted to make a lump sum co tribute. Ahead of the tax year end.  However I found that the scheme could only accept gross contributions and I would have to reclaim the tax myself.  As it was quite a decent sum and I preferred not to wait for the tax I made the contribution into a different scheme. In episode 7 you had a question about moving abroad.  The point we made that you can't continue to contribute to UK tax favoured schemes when abroad which is correct.  However there is another watch out in that ISAs in particular may be subject to income tax in the new country of residence - as they were when j lived in the US.  It is therefore critical to get advice so you can make the right choices when moving abroad All the best, Richard 05:06  Question 2 I have been listening to your podcast for the last 5 or 6 months. Like so many of your listeners, I have spent many hours catching up on your early episodes, no longer do I watch movies or drama series or wildlife programmes. I listen to Pete. Your advice has been priceless. However, I do have a question that I seemingly cannot find the answer to. Perhaps, I already know the answer, but am putting my head in the sand because I do not like it. I know that the pension tax free lump sum is limited to £268,275 and I believe that this applies to the total taken from multiple pensions. I retired from the police in 2013 as a chief inspector. I took the maximum lump sum available at the time which was £206,000. I started a new job with the NHS and am paying into the NHS 2015 scheme. My projection on retirement from the NHS at age 67 suggests that I can expect a lump sum that combined with my police pension lump sum will take me well beyond £268,275. I have seen some articles on line about lump sum protected allowances, but do not know if this is something I can access. Clearly, if all I can take from my NHS pension is £62,275 I will be paying 40% on a greater proportion of my pension in payment. I suspect there may be others like me that maxed our their lump sum when first retiring and have gone on to further employment and have built up a tidy pension that has the potential to pay out another handsome lump sum. Your advice is gratefully appreciated. Kind regards, John 11:25  Question 3 Hi Pete and Rog Always a delight when a new episode comes out – I hope Rog is getting fairly compensated for his efforts! I have been a keen listener for a number of years though until recently had lived outside of the UK, so while not everything was applicable (ISAs or pension contribution limits etc), the podcast has always been a valuable tool as I improve my personal finances I have a question I was hoping you could clarify for me which relates to questions you answered on previous podcast Q&A. Trying to keep it short but failing: On a couple of occasions when talking about pensions there seems to be an assumption that your income will fall in retirement and so income tax on the way out of the pension is less relevant. You recently had a question around moving money from a Lifetime ISA to a SIPP for a higher rate tax payer who was moving abroad and the calculation / discussion went something like: Invested 4k, got the extra 1k but have to take a 25% penalty when taking the money out so down to 3.75k. Then when investing that back into a SIPP you get tax relief so back up to 4.7k or even 6.25 with higher rate relief. Then the discussion seemed to suggest in such a case you might even be better off than if you had left it in the LISA. However, doesn't this depend on what your tax rate is on retirement / withdrawal? Now on to my question: Similarly, you had someone who had maxed out their annual pension contribution limit and they were trying to decide whether to pay more in to their pension (foregoing the tax relief) or to put it in to a GIA. This is a situation I find myself in and the Q&A discussion seemed to suggest it doesn't make much difference. There were comments that an ISA would be better than a GIA but assuming the ISA allowance was already fully used then there was little difference. This confused me and brings me to my question. If I overpay into a pension and so get no tax relief, don't I still pay income tax when I withdraw the money from the pension? So for any contribution above the annual limit I receive no tax relief initially (ie I have effectively paid tax) but then future withdraws from a pension are taxable so I pay tax again when I retire. Is this the case or is there some way the pension knows what proportion of the pot received tax relief and what proportion didn't? If no such split exists then surely a GIA is a far better option where I will only pay CGT on any growth in the investment (or income tax on dividends). Imagine a situation where there is no growth or dividends then in a GIA I take the initial money back out with no tax to pay, in the pension I still pay income tax on the withdrawal. What am I missing here? Kind regards, Matt 17:02  Question 4 Hi - love the podcast and really enjoying the Q&A series! Keep up the great work! I was hoping you can assist me. I have a pretty simple salary structure and lucky to earn annually (salary and bonus) around 190k. I'm looking at what I can add to my pension and very aware of the 60k limit and also the 200k income threshold. Is it as a simple as if my only income stream is from employment, that by definition in the above scenario I'm below the £200k. Or am I missing anything else that feeds into this as a consideration? Thanks, Steve 20:20  Question 5 Thank you Pete & Roger for an amazingly insightful informative podcast. This has given me a giant springboard to the next level of financial literacy. My question is: I am a seafarer and all of my income from it is subject to seafarers earnings deductions (SED). My annual salary is £79,000. How much can I pay into a SIPP claiming the full amount of tax relief given that all of my income is subjected to SED? Thanks very much for everything you do. Kind regards, Benjamin 24:00  Question 6 Absolutely love the podcast - always look forward to driving home on a Wednesday so I can listen to it. I'm 47 and my husband is 55 and we have 2 fabulous children aged 13 & 11. I am an additional rate taxpayer and have a good DB pension for the future (NHS consultant). My husband did the tougher job of being a full time Dad so only has a small SIPP at present worth about £50,000 which we add £2880 to each year. I am hoping to retire early so we are building our Stocks & Shares ISAs each year to bridge the gaps between my retirement and state pension etc although we don't use the full allowance at present although may do in the future as my pay increases. We just wanted advice about the best way to extract the money from my husbands SIPP. He works a few hours now making approximately £5000 per year so is a non-taxpayer (and all our emergency cash is in his name!). We had planned to start drawing down his pension in a few years once fully retired to try to get it all tax free before his state pension kicks in but we don't actually need the cash and thus it would be reinvested into his ISA. Is there any reason not just to start that process now so we put the money in the ISA gradually over the next few years (bearing in mind that we may be able to fill our ISAs in the future)? Can we still top up with £2880 each year one this process has started? Maybe this sounds like an obvious thing to do but just can't work out if its the correct path? Thanks so much, Ciara Mulligan   30:10  Podcast and Video plans.