Podcasts about hmrc

In this episode of The Digital Executive podcast, host Brian Thomas speaks with Vivek Kumar, CEO and co-founder of Social Trait, the world's first audience behavior simulation engine. Vivek shares his journey from public service at HMRC and investment banking to launching a breakthrough AI platform in Australia. He reveals how a social media backlash moment sparked the idea for Social Trait, leading to the development of AI-powered virtual audiences that allow brands to preview real reactions before a campaign goes live.Vivek also dives into the technology behind Social Trait, including the platform's ability to simulate millions of AI agents that behave like real consumers. He explains how this drastically shortens research timelines, eliminates the need for traditional focus groups, and helps marketers test everything from message resonance to virality. If you're interested in the future of AI in market research and want to hear how Social Trait is changing the game, don't miss this conversation.

In this episode of the Digi-Tools in Accrual World Podcast, we jump back int the latest accounting tech news. trends and updates, including Xero and QuickBooks integrations, revenue and profit growth statistics, and the impact of automation and AI.  Join us as we explore new research from Credence Research, the market valuation of the small business accounting software market, and the latest updates from leading providers like Canopy and WorkflowMax. Additionally, we have an insightful interview with Monica Odysseos from Grant Thornton Cyprus, who shares her journey in AI and its transformative effects on the accounting field.  Don't miss out on the essential tech news and expert advice to stay ahead in the industry! 00:00 Coming Up 00:55 Welcome! 03:38 App news 03:43 Small business accounting software market forecast to 2032  08:35 Xero releases 2025 accounting industry report 15:55 HMRC seeks new CRM to replace Salesforce    20:00 MTD proving more expensive for businesses than expected 23:07 Canopy raises $70m to scale AI-powered accounting platform  26:21 Xero and BGL announce Workpapers integration partnership 29:08 QuickBooks enhances sole trader features for accountants 31:57 WorkflowMax delivers March 2025 product updates 34:37 AI in Accounting: Regulation, Implementation and Ethics - Monica Odysseos

This week on The Tax Factor, Rehana Earle and Neil Insull discuss the closure of the historic Beales department store after 144 years, blamed on rising taxes and a worsening business climate. With the CIPD warning of a prolonged drop in employer confidence, what does the future hold for the UK labour market? Next, they examine a surprising tribunal victory, where a taxpayer successfully argued that their luxury property, complete with marble swimming pool and expansive wine cellar was their main home, defeating HMRC. Finally, could President Trump’s proposed 100% tariffs on TV and film production deal a major blow to Britain’s thriving creative industries?See omnystudio.com/listener for privacy information.

Tune into this weeks podcast lots of Salford Red Devils chat to go though as the Council withdraw from stadium negotiations with Dario and friends, Paul King returns, HMRC writeoff threat is real, Ladies lose in the cup final against the old enemy as Paul Rowley talks Loop fixtures, Injuries and Castleford. Listen here for via your podcast playing app

Business ownership comes with numerous responsibilities, especially when it comes to tax compliance. Moreover, as HMRC intensifies its digital surveillance capabilities, staying ahead of tax requirements has never been more crucial.The Digital Detective Has ArrivedPreviously, HMRC relied on basic methods like paper trails and manual checks. However, they have subsequently embraced sophisticated technology to close the UK tax gap. Specifically, at the heart of this revolution lies their powerful "Connect" system, which consequently processes billions of data points to identify inconsistencies.Undoubtedly, this system has transformed how tax investigations begin—approximately 90% now start because the Connect system has flagged something unusual. Additionally, business ownership requires understanding that HMRC can investigate any tax return without providing a reason.Your Digital Footprint Is Being MonitoredFurthermore, HMRC's data collection extends far beyond traditional sources. Although bank statements and tax returns remain important, they also monitor: Social media activity Travel data and passenger lists Google Street View and location data Cryptocurrency transactions Online payment platformsGenerally, if your lifestyle doesn't match your reported income, this will raise red flags. Consequently, business ownership now requires heightened awareness of your digital presence and its potential tax implications.New Reporting Requirements for Digital PlatformsSince January 2024, platforms like Airbnb, Uber, Deliveroo, and eBay must report sellers' income directly to HMRC. Accordingly, the first report covering January-December 2024 was due by January 2025. Although occasional sellers with fewer than 30 sales are currently excluded, this clearly indicates future trends.Therefore, business ownership in this digital age means understanding that your sales data is automatically submitted to tax authorities.AI and Advanced AnalyticsMeanwhile, HMRC continues to leverage artificial intelligence to analyze the collected data. Subsequently, this technology identifies patterns and assesses behavior more efficiently than ever before. Because of geomapping capabilities, they can also link sales, income, and demographic data to specific locations.Hence, business ownership requires recognizing that HMRC can pinpoint high-risk businesses with greater speed and accuracy than ever before.The Human Element RemainsNevertheless, HMRC still relies on human intelligence. Specifically, they maintain a hotline for informants to report undeclared income. Furthermore, as of March 2025, informants who report serious non-compliance can receive up to 25% of the recovered tax.Phoenixism Under ScrutinyAdditionally, HMRC is targeting "phoenixism"—where directors close debt-laden companies and quickly open new ones to avoid taxes. Consequently, they now demand upfront tax payments for high-risk new companies and sometimes hold directors personally liable.Protecting Your BusinessTherefore, how can you protect yourself? Firstly, keep detailed records of all income, regardless of size. Secondly, declare everything—hiding income is both criminal and counterproductive. Thirdly, seek qualified professional support.Certainly, business ownership demands transparency in today's digital landscape. Although mistakes happen, HMRC's increasingly watchful eyes mean even honest errors can lead...

As the new financial year begins, John and Ele explore the real impact of April’s tax changes from rising employer NICs and the scrapping of EV tax breaks to the end of holiday let perks. They discuss the Government’s sweeping new tax reform package, including 39 proposals to simplify the system, reduce compliance costs, and even shrink HMRC’s London footprint. Also, this week, milkshakes may soon face sugar tax, Liverpool sidesteps legislation to bring in a tourist levy, and Wetherspoons fails to convince a tribunal that cider isn’t booze and a £400k R&D clawback case puts HMRC’s stricter claims regime in the spotlight.See omnystudio.com/listener for privacy information.

A scheme from HMRC has helped more than half a million people in the UK to top up their savings with a ‘Help To Save' account. Hywel Davies has been finding who's eligible and how to get started. For more information, visit the Help to Save website -  Get help with savings if you're on a low income (Help to Save): How it works - GOV.UK

Discover how I got HMRC to pay for a 5-star trip to Spain for me and my wife – and how you can too! In this video, I break down the exact strategy I used to save over £6,600 in taxes on a £5,515 business trip, legally and defensibly. As a business owner, you're getting squeezed by rising taxes and costs in the UK. Don't leave money on the table! Here's what you'll learn:  - The 3 key criteria to make business expenses tax-deductible.  - How to document trips to save thousands, with real examples from my Spain trip.  -  Why your accountant might be costing you money – and what to do about it.  Ready to keep more of your hard-earned cash? Visit https://CeoPayRaise.com and unlock personalized strategies to boost your take-home pay. Don't miss out – subscribe for more videos on thriving as a UK business owner!  

In this episode of Taxing Matters, Senior Associate and Taxing Matters host, Alexis Armitage is joined by Thomas Slipanczewski, who is an Associate Director at Deloitte in their tax controversy team, to discuss task risk for regulated professionals and professional businesses in regulated sectors.Facing a tax dispute or investigation can have a significant impact on an individual or business, and for those in regulated sectors such as lawyers, accountants and finance professionals, the associated reputational risks are often heightened. In this episode, Alexis and Thomas discuss:risks that regulated professionals and professional businesses should be aware of when they have a tax dispute or investigation;HMRC's perception of this taxpayer group and its implications; and'top tips' for professional taxpayers facing a dispute or investigation.If you would like to discuss any of the matters raised in this episode, please contact Adam Craggs and 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.

This week on The Tax Factor, Heather and Sarah (celebrate!?) 20 years of HMRC with a look at its latest performance woes, from phone line chaos and missing repayments to the absurdity of pursuing a taxpayer for £600.Also, this week, Holly Willoughby’s agency gets a stern reminder that HMRC doesn’t do celebrity favours, a fake Greggs manager pockets pandemic cash, and a warning about getting caught in VAT carousel fraud. Plus: £150m in tax relief for Jurassic World and Ofgem’s bright idea that richer people should pay more for electricity. What next - tea bags? Loo roll? Audio to download: https://assethub.azets.com/transfer/9866882ddd7ebbd54cb5641bd3a6de08a00caaf357af0b13135469cc883aac68See omnystudio.com/listener for privacy information.

This week we answer questions on the loose theme of capital gains tax and investing via General Investment Accounts (GIAs). Spoiler alert - nothing's as simple as it might seem! Shownotes: https://meaningfulmoney.tv/QA11    01:06  Question 1 Whenever a question comes up in our Facebook group about Capital Gains and GIAs (General Investment Accounts) I get a sinking feeling as I do not know much about that type of account, and I don't have one myself.  I am not alone. I have gathered questions from our listeners about capital gains, so in this episode Pete & Roger can tell us all about Capital Gains, Dividends, and anything else we need to know about using a GIA, and other situations which involve capital gains tax. 19:03  Question 2 Hi both, I've recently discovered your podcast and have thoroughly enjoyed my commutes listening to you. Personable and informative. I have a question about selling my buy-to-let property that is in my personal name. My mortgage term is ending in June 2026 and I'd like to sell it for one of better quality that has less issues. I'm currently a higher-rate taxpayer but we're planning to start a family in the next year, meaning I'll be on maternity leave for 12 months which will push my salary down to basic-rate. Impossible to plan when I'll get pregnant but it would be useful to know how HMRC calculates my salary (and over what time period) so that I pay basic-rate CGT when selling my buy-to-let? Apologies for a very wordy question! Thanks a lot and best wishes, Winnie 22:17  Question 3 Hi Pete, I hope you're doing well! I've been really enjoying the Meaningful Money podcast and had a question I'd love to hear your thoughts on the show: In a general investment account (GIA), is it's better to use an income fund to avoid triggering CGT if income is needed (assuming the dividends covers the needs in the short term)? Thanks so much for your wisdom! And keep up the great work on the podcast! :) Best regards, Chloe 26:53  Question 4 Hi Pete, Roger (and Nick who I assume is reading this :-)) I have a question I'd be grateful if you could answer which is around capital gains tax on any shares or funds held outside an ISA/pension. To use an example with higher numbers so that the allowance is used for simplicity: - You have £100k in a GIA - it increases by £10k a year for the first two years; - it's then down £2k in the third - the total value is now £118k - You then want to draw out £10k - How do you work out what capital gains the tax is to be paid on i.e. is the full £10k considered a gain? - Is the withdrawal from the original £100k or from the increase in value i.e. gain? - Would you be better to withdraw up the annual allowance every year and then put it back in to reduce the gain, considering there's no allowance for the impact of inflation? Love the show, keep up the good work in whatever format you decide going forwards - you've made real differences to the way I've managed my investments over the years, especially at scary times like Covid and your book and courses have given my kids the education they need for their long investing lives. Thanks, Dino 36:39  Question 5 Hi Pete & Rodger, I started a deep dive into our overall finances over the Christmas period, to set the picture I am 47, my wife's 42 and we have two children a boy 5 & a girl 3. I received a diagnosis last year which will have a long term impact on my ability to sustain my current level of income & type of work I do. We have a 154k mortgage with 19 years left on the term, with the uncertainty around my health I have decided to target maximum overpayments on the mortgage, this year we can pay 18k extra. My questions are: 1. I plan to save circa 1k per month salary to put into the overpayment pot, I am hopeful that the HL shares will meet past highs and I can use some of that money to top up the salary savings and hit our target. Do I pay tax on the profit I make from selling shares? If it's no more than 3k? I was hopeful I could sell shares annually and withdraw the gains annually, then reinvest in same stock when they dip. I realise that past performance isn't always guaranteed but monitoring since covid the stocks I am invested in are fluctuating from a £15 low to £20 high annually. So looking to sell at £19.5. Is this the best way to use the extra cash at present given the plan to access quickly at times. I have maxed out isa allowance for current FY (2024/25) but will probably pay the 1k per month into an isa in new FY. 2. I am planning to do lump sum overpayment rather than setup monthly, just to give easy access to funds should they be required. I plan to cash in some company SIPPS annually when they aren't taxable (after 5 years) that sum will be on average 1k per year. Will the SIPPS cashed in and gains from HL sales leave me vulnerable to paying capital gains tax? If all goes to plan we could be mortgage free by 2033 approximately and there would be less of a dependency on my salary. Deep down I just want us to be setup financially as best we can with the uncertainty around my health. I would really appreciate your views, love the podcast and it's been a real source of knowledge to me. Best Regards Lee 43:52  Question 6 Hi Pete & Roger, I found your YouTube channel last year and through that the Podcast – both are absolutely fantastic and have helped me and my family so much with many aspects of managing our money and planning our finances. My question relates to if and to what extent capital gains tax can be offset by making SIPP contributions. My wife and I jointly own a buy to let property that we are selling in the new financial year (25/26).  When the sale completes, we expect to each have a taxable capital gain of around £30,000.  My wife earns around £10k a year from a part time job, therefore most of her gain will be taxable at the lower rate of 18%.  For the last couple of years, she has made annual gross SIPP contributions 100% of her earnings (£10,000) which is the maximum gross contribution she can receive basic rate tax relief on. This year, as well as contributing the usual £10,000 gross, (100% of earned income), can she also contribute up to a further £30,000 gross and receive basic rate tax relief on this additional contribution, thus offsetting the CGT paid on the gain from the property sale?  If so, with CGT payable at 18% and basic rate tax relief of 20%, contributing the full £30,000 would actually more than offset the CGT (which I fear is too good to be true). If this is the case, is there any other strategy we should be considering to achieve the same or similar outcome?  I have really struggled to find definitive guidance around this, so any clarity you can provide will be much appreciated. Many thanks and keep up the great work. Steve

Not unlike the Rolling Stones, Peter Hitchens is ready to toss his TV through the nearest window. He's in accord with the late, great Groucho Marx who was once moved to remark: "I find television very educating. Every time somebody turns on the set, I go into the other room and read a book." Once forced to rent a TV to watch the news before being quickly lured towards shows like Minder, Peter is now wary of the television, to the point he blames it for a lot of the world's woes. Tune in for that. And as the customer friendly ad for the Inland revenue insisted, tax doesn't have to be taxing. Try telling that to Sarah and her circle of friends who have tried and failed to reach the HMRC to query a bill or simply get help. The revenue sent bailiffs to the door of one friend, while another chum had to draw down part of their pension to meet a tax demand. So, here's the question, why are the inland revenue so awful and insistent on treating people like criminals? On our reading and watching list this week:  ·      The Wonder Years ·      Amusing Ourselves to Death: Public Discourse in the Age of Show Business – Neil Postman ·      The Great Tax Robbery: How Britain Became A Tax Haven For Fat Cats And Big Business – Richard Brooks   To get in touch, email: alas@mailonline.co.uk, you can leave a comment on Spotify or even send us a voice note on Whatsapp – on 07796 657512, start your message with the word ‘alas'.   Take our show survey at: https://ex-plorsurvey.com/survey/selfserve/550/g517/250305?list=9   Presenters: Sarah Vine & Peter Hitchens Producer: Philip Wilding Editor: Chelsey Moore Production Manager: Vittoria Cecchini Executive Producer: Jamie East   A Daily Mail production. Seriously Popular Learn more about your ad choices. Visit podcastchoices.com/adchoices

Neil dives into the financial advantages of running an Airbnb business compared to traditional employment. He explains how tax breaks and business expenses can significantly increase your earnings and stretch your money further. Neil highlights the benefits of the rent-a-room scheme, the importance of deducting business expenses, and shares personal anecdotes to illustrate how Airbnb income can cover everyday costs. Whether you're a seasoned host or just starting out, this episode provides valuable insights on making your Airbnb venture not just a source of income, but a smart financial strategy. HMRC help sheet HMRC produce a helpsheet (HS223) on Rent-A-Room relief. The help sheet, is available on the Gov.uk website at www.gov.uk/government/publications/rent-a-room-for-traders-hs223-self-assessment-helpsheet. Here's a helpful guide about tax from Airbnb; https://assets.airbnb.com/help/Airbnb_TaxGuide2025_UnitedKingdom_ENGLISH.pdf KEY TAKEAWAYS Tax Benefits of Airbnb Hosting: Hosting on Airbnb can provide significant tax advantages, such as the ability to earn up to £7,500 a year tax-free under the rent-a-room scheme, and deducting business expenses from your taxable income. Understanding Business Expenses: Expenses related to running your Airbnb, such as cleaning supplies, utilities, and maintenance costs, can be deducted from your earnings, reducing the amount of tax you owe. Maximising Profit: By leveraging tax deductions, the effective profit from Airbnb income can be much higher than traditional employment income. For example, after expenses, you may keep more of your earnings compared to a regular job. Importance of Record Keeping: Keeping receipts for all business-related purchases is crucial for claiming tax deductions. Without proper documentation, you cannot prove your expenses to the tax authorities. Financial Security: Running an Airbnb can provide a safety net, ensuring that if traditional employment income decreases, the Airbnb business can help maintain financial stability and cover living expenses. BEST MOMENTS "If it's under the rent room scheme... You can earn £7,500 a year completely tax free. No questions asked." "With Airbnb income, your money stretches. Think of it like this: PAY money buys you the item, Airbnb money buys you the item tax efficiently." "You're essentially getting the taxman to subsidise your lifestyle. Sneaky? No. Legal? Absolutely." "Every receipt then becomes proof that you made the purchase, if you ever need it." "Put 20% of everything you earn from your side hustle into a savings account so that it is there, ready for any tax bill." CONTACT DETAILS Visit Neil's Airbnb https://bit.ly/SuperhostNeil Instagram: https://www.instagram.com/superhostneil/ Facebook: https://www.facebook.com/SuperhostNeil TikTok: https://www.tiktok.com/@superhostneil Email: SuperhostNeil@gmail.com ABOUT THE HOST Neil has led a fulfilled and unconventional life, navigating an extraordinary journey from the Royal Navy to prop-making in London's West End theatres. Born into a military family, it was a twist of fate which led him to the theatre, where he contributed to iconic productions such as Phantom of the Opera. Eventually, Neil transitioned to Corporate Event Team Building, eventually founding his own venture in 1999. Financial challenges in 2017 are what prompted a strategic shift to Airbnb hosting, proving a reliable backup income. By 2021, Neil and his business partner triumphed over significant debt, fuelled by their resilience and the success of Neil's Airbnb venture. Now, Neil has left the corporate world behind, thriving solely through his flourishing Airbnb endeavours. ABOUT THE SHOW Welcome to "The Airbnb Superhost," your ultimate guide to mastering the art of hosting on Airbnb. In each concise 15-minute episode, Neil will reveal the secrets to creating unforgettable guest experiences and maximizing the potential of your property, drawing on over 9 consecutive years as a qualifying Airbnb Superhost. With a focus on 3 specific aspects of running an Airbnb business; the host, the property, and Airbnb itself, Neil provides step-by-step guidance on everything from ambience creation to effective communication. In each episode, a Superhost Secret will help you elevate your hosting game and keep guests coming back for more. Whether you're a seasoned host or just starting out, Neil’s actionable tips and tricks will help you become a hospitality superstar. Disclaimer: The Airbnb Superhost is in no way affiliated with Airbnb. All ideas, thoughts, concepts and data presented in this podcast are entirely Neil’s own and do not represent the views of Airbnb.

This week on The Tax Factor, Heather Self and Rehana Earle look at HMRC scaling back phonelines and webchat services to tackle fraud.They discuss a recent SDLT case where timing could cost a taxpayer their refund, the tribunal sided with the taxpayer, but the battle may not be over yet. Making Tax Digital is expanding to the self-employed and landlords, but a new survey reveals worrying gaps in public awareness, is HMRC doing enough to get the message out? And arise Sir Jeremy Hunt!See omnystudio.com/listener for privacy information.

In this episode Dan recaps the Spring Statement and some details buried in the doc that may well effect small business owners over the coming years. He chats about debt collection, HMRC investigations, child benefit…. 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

There will be no compensation for more than 46,000 people who lost thousands of pounds each when the funeral plan firm Safe Hands went bust 3 years ago. The regulator - the Financial Conduct Authority - was told this week it should consider compensating them after a report by Rachel Kent, the Complaints Commissioner, set out the FCA's failings over Safe Hands. In response, the FCA has said it does not accept it was at fault, that it did not regulate the funeral planning firm at the time, and no compensation would be paid. This month the Government has announced plans to scrap new leasehold flats, replacing it with a system called commonhold already used in Scotland where homeowners collectively own the building and the land. But how will the planned improvements to the rights of existing leaseholders work? There's changes to how 'side-hustlers' report their earnings to HMRC, but it's not a tax cut, how will that work?And there's extra money to help pensioners in Northern Ireland with their heating bills.Presenter: Paul Lewis Reporters: Dan Whitworth and Eimear Devlin Researcher: Jo Krasner Editor: Sarah Rogers.(This programme was first broadcast at 12pm Saturday the 15th of March 2025)

In this week's episode of The Tax Factor, Roger Holman and Neil Insull look at the quiet storm that is April's new tax landscape - changes may have been light in the Spring Statement, but the devil, as ever, is in the (Autumn Budget) detail. In Guernsey, the government has done the unthinkable: opened a tax drop-in centre where people can actually talk to someone. A bold move that feels very different from HMRC’s current approach. There is the curious case of Timothy Bunting v HMRC, where an initially successful taxpayer ended up losing not only the argument, but also his cash and his relief and finally a timely nudge: It’s a good time to review your ISA’s.See omnystudio.com/listener for privacy information.

Watch full video at Charles Kelly Money Tips Podcast: https://youtu.be/VRexfc258N4 Interview with Chartered Tax Adviser and Accountant on changes to Furnished Holiday Lettings tax regime, IHT, Trusts and Wills, SDLT, pensions, ISA, Non-Dom tax status and end of year tips. High taxation is one of the reasons 10,000 millionaires left the UK last year. Check out my video on this. As the tax year draws to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. In the latest episode of the Charles Kelly Money Tips Podcast, we break down essential end-of-tax-year tips to help you reduce your tax bill legally and keep more of your hard-earned money. Maximize Your ISA Allowance You can save up to £20,000 tax-free in an Individual Savings Account (ISA). If you haven’t used your full allowance, now is the time to top it up. Utilize Pension Contributions Contributing to your pension not only grows your retirement fund but also reduces taxable income, with tax relief of up to 45% for higher earners. We don’t know how long this tax concession will last. Claim Allowable Expenses Self-employed? Ensure you claim all deductible expenses, such as home office costs, travel, and professional fees, to lower your taxable profit. Use Capital Gains Allowance Sell assets strategically to take advantage of the current capital gains tax-free allowance before it resets in the new tax year. Gift Money IHT Tax-Free Use your annual £3,000 inheritance tax gift allowance to pass on wealth without tax implications. Use it or lose it. Use your accountant, tax specialist, financial adviser and other professionals to save you money. Good advice can save you a fortune. Invest in yourself. Don’t miss out on these end-of-tax-year strategies—watch the full video now! 7 Powerful Steps to Transform Your Finances in 2025 As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth. Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips #furnishedholidaylet #IHT #SDLT #ISA

Dust off your pixelated fedora and light your tax-saving torch—because in this epic 8-bit adventure, Warren Shute and Paul Cleworth set off on a quest to uncover the hidden treasures of Inheritance Tax planning.  From ancient gifting scrolls to the mystical artefacts of trusts and insurance, they navigate booby traps of complexity to help preserve your family fortune. With sharp wit and strategic know-how, they dodge the 40% boulder of HMRC and shine a torch on golden relics like Business Relief, Nil-Rate Band secrets, and the lost legend of Lifetime Gifting. Along the way, our geeky explorers decode cryptic strategies that can protect your legacy and turn tax trouble into triumph. Plug in, power up, and join The Finance Geeks as they explore the vault—because fortune doesn't just favour the bold... it favours the well-advised ========================== Chapters: 0:00 - Intro 5:19 - Inheritance Tax Planning Strategies ========================== Show Notes: Is it time to kill off Inheritance Tax? | The Association of Taxation Technicians https://www.att.org.uk/it-time-kill-inheritance-tax?utm_source=chatgpt.com What do Mystic Meg, HMRC and October 2024 have in common?—insights on Inheritance Tax and key statistics https://www.russell-cooke.co.uk/news-and-insights/news/what-do-mystic-meg-hmrc-and-october-2024-have-in-common-insights-on-inheritance-tax-and-key-statistics Inheritance Tax liabilities statistics - GOV.UK https://www.gov.uk/government/statistics/inheritance-tax-liabilities-statistics IHT400 rates and tables https://assets.publishing.service.gov.uk/media/67d850de4e1deef5a8c15ee7/IHT400-rates-and-tables.pdf Meditations (Book) https://amzn.eu/d/2rScX4c The soul of wealth (Book) https://amzn.eu/d/hTxOtkr Gifting plan Standard Life https://tandemfp.sharepoint.com/:b:/s/Tandem/ESYmn7SoB6hClTRyqijhjGEBWUkdZdXq4SNpBfYpDRlYKw?e=InxRJs Benefits of getting married - Benefits of Marriage https://tandemfp.sharepoint.com/:b:/s/Tandem/EWQ8qxbO0IVDrhBAyuOh5TcBxvvKuoR-xYLsv_JI-jMVtw?e=VoeEQM ========================== Follow us our our social media channels: Instagram: https://www.instagram.com/thefinancegeekspodcast/ X: https://twitter.com/TheFinanceGeeks YouTube: https://www.youtube.com/@thefinancegeeks ========================== This show is designed to be informational only and does not constitute investment or financial advice. Please contact a regulated financial adviser before taking any specific action. ========================== #inheritancetax #IHTplanning #estateplanning #financialplanning #taxstrategies #legacyplanning #wealthtransfer #trustplanning #taxefficiency #familywealth #giftallowance #businessrelief #financialgeeks #taxadvice #retirementplanning #inheritanceplanning #IHTrelief #vaultoflegacy #8bitfinance #geekyfinance

On this episode of the AJ Bell Money and Markets podcast Danni Hewson and Charlene Young discuss what has been a volatile first quarter for markets [1:55] as companies and investors try to navigate Donald Trump's tariffs. The pair discuss which sectors have borne the brunt so far and how the UK could be impacted. With Awful April [13:20] in full spring Charlene runs through the bills that have jumped up and considers what that might do for inflation and interest rates.  Danni picks through some eye-catching market news with [17:18] Conservative US TV network Newsmax jumping more than 2,000% after its IPO and a potential bid for UK's Alphawave as Qualcomm looks to boost its AI chops and with US markets under pressure and investors looking for ways to diversify, we hear from Emily Fletcher, portfolio manager of Black Rock Frontiers Investment Trust [22:34]. Tax year end is upon us [40:40] and Charlene talks through new allowances, using pension contributions to pare down your tax bill and popular options like Bed and ISA which help you bring existing investments into tax wrappers. Plus, news from HMRC that the interest rate charged on late tax payments is going up. And with investors warming to bonds again after a patchy period where they didn't comfort portfolios as expected, Dan Coatsworth talks to Ryan Myerberg from the Brown Advisory Global Sustainable Total Return Bond Fund about all things fixed income. [50:40]

The number of UK buy-to-let property companies listed at Companies House has soared to record levels since George Osbourne introduced his ‘Section 24’ tax bombshell on landlords. If you are stuck in the Section 24 tax trap contact me at charles@charleskelly.net to arrange a free consultation with a property tax specialist. There are now over 400,000 limited property companies registered, more than any other businesses and four times as many as fast food firms. Since 2016 there has been a fourfold rise in incorporated buy-to-let businesses, much of which is due to George Osbourne’s ‘Section 24’ tax hike on landlords. The change in the law meant that buy-to-let landlords with properties held in their own names could no longer offset mortgage interest against their rent (pre-profit gross income). Almost 700,000 properties are now held in limited companies, rather than in individual names, which has become the standard method used to buy investment property in the UK. Watch full video version - https://youtu.be/tdcdZDdu7qY Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips # #property #propertycompany #investmentproperty #buytoletlandlord

As usual, we cover lots of ground in this week's Q&A, including tax-free cash recycling, private medical insurance and Lifetime ISAs. Shownotes: https://meaningfulmoney.tv/QA10  00:57  Question 1 Dear Pete & Roger. I'm a long-time listener and love the podcast, especially more so since Roger joined back in season 21. I'm an additional rate taxpayer with income below the threshold for the tapered annual allowance. I have been contributing £45k to my workplace defined contribution pension via salary sacrifice for the last couple of years, and my effective tax relief rate on contributions is 47%. This coming April (2025) I will turn 55 and will be able to access my pension. I am considering increasing my salary sacrifice contributions by £14,000 per year and funding this by taking just under £7,500 PCLS (i.e. tax-free cash) from my pension. Having watched the MeaningfulMoney video on Tax-Free Cash Recycling and checked the HMRC web site, I know this is not considered tax-free cash recycling because the PCLS withdrawals will be below £7,500 per year. However, I don't know if sacrificing £7,500 of tax-free cash in return for £14,000 of new contributions will have any unintended consequences. In retirement I plan to withdraw money via UFPLS and use tax-free cash to minimise my effective tax rate and have no plans to use it to fund large purchases. Have I missed anything? Simon. 04:01  Question 2 Hi Pete, I hope you're doing well! I've been really enjoying the Meaningful Money podcast and had a question I'd love to hear your thoughts on the show: With the long waiting times on the NHS, is having private health insurance a new 'must have' protection or still a 'nice to have'? Thanks so much for your wisdom! And keep up the great work on the podcast! :) Best regards, Chloe 07:05  Question 3 Hi guys - thanks for all you do with this podcast. I've been incredibly fortunate to find you in my 20's and absorb so much useful knowledge. My question is surrounding LISA's. My fiancé and I currently live separately but we're looking to move in together ahead of our wedding this summer. She owns her own home and I currently rent so we'll be moving into her house. Our plan is to live for a couple of years in her (or soon to be our) house as she managed to secure a favourable rate that will help us to save together for our next home. The majority of my current house deposit (around £35k) is in a LISA, however in the last year or so I've quickly realised that our next home together will probably sit above the £450k limit that LISA's allow. Given that we live in a pretty expensive area and want to stay here, is there anything you would suggest? We've thought about me 'buying in' to her current house but we don't want to remortgage and lose the favourable fixed term. Any ideas? Cheers, Joe 11:38  Question 4 Hi Butch & Sundance, my question is about SIPPs & ISAs and tax implications when used with State Pension and a Defined Benefit Pension. I'm planning to retire 7 years before state retirement age (67) and plan to use a DB pension and SIPP in those 7 years. The annual income from the DB pension will exceed the current basic rate income tax annual allowance (£12,570) and withdrawals from the SIPP outside of the tax-free lump-sum, would all incur basic rate income tax. I would like to keep investments that continue to grow, but with the removal of some IHT benefits within a SIPP, is it now worth withdrawing more than I need each year and moving the SIPP investments to a Stocks & Shares ISA over the next 7 years and therefore reduce tax paid over the following 20-30 years from the age of 67? Or am I making more of minor issue than is needed? Keep up the excellent work, Jack 16:36  Question 5 Hi both, Love the podcast! I have a question regarding pensions. I have an employer (defined contribution) pension that had been with one provider (chosen by my employer) for the last 11 years. My Company has recently terminated the agreement and mine and my employers contributions are now all going to the new provider and fund. I chose not to transfer my original pension from the original provider to the new provider, as the existing fund had been performing so well. Following a review of both pensions over the last 6 months, I discovered that my existing pension had continued to be perform very well - over double the return compared to the new pension provider and fund). Whilst I understand I could switch funds with the new provider, my preference would be to do an annual transfer from my new pension fund & provider to the original provider and fund. I cannot seem to find any information on how to do this (all the information online is focused around transferring and shutting the new account - I don't want to do as my employer and personal contributions will continue to be directed to the new provider and fund. Thanks for your help, Matt 21:25  Question 6 Hi Pete and Roger I have a question about pensions for low earners. I have been listening to your show for the past year and loved the simplify and OS series, with your helpful explanations I have managed to get my self employed husband to increase his pension contributions, built up 6 months of emergency funds and have opened our first stocks and shares isa for long term savings. My question is about my pension contributions. I have about 13 years in an NHS pension from before I had children. For the past 8 years ( since the children were born) I have worked very part time or not at all so have not really made much in the way of pension contributions. I am currently 45 and I work seasonally for 4 months of the year. We live comfortably on my husband's income and as mine is irregular income it is not allocated to specific spending. My plan this year was to try and save all my income (about £7000) and contribute to a personal pension (a SIPP?) to catch up on my own pension contributions (I do have an employer one but it's very basic). My question is: if I pay into a personal pension will I still get tax relief added? As my earnings are below the personal allowance I don't pay income tax. I can only find information on the £2880 for none earners or employee pensions. Also how much of my income can I put in a pension? I.e. if I do get tax relief can I only put in 80% of my earnings?  Do I also need to subtract my work pension contributions? Thank you for all your amazing work. Best wishes, Lindsey

Grab your copy of my book Charity Finance from A - ZCheck out ExpensePlus and sign up for a month's free trial and 10% off your first year's subscription, using my referral link http://expenseplus.co.uk/r/AI-BANCIn this episode, Aishat sits down - Christhannah Luten and Trish Hewitt - who bring over 40 years of HR experience across U.K. and U.S.. Together, they unpack the big HR questions facing today's organizations:What happens when HR isn't prioritized?How are recruitment and retention changing post-pandemic?What role does AI play in HR today, and what are the risks?How can small businesses and nonprofits manage HR with limited budgets?And how can organizations better support a multi-generational, values-driven workforce?This episode is packed with insights, laughs, and practical takeaways.

Get your free verifiable CPD for this episode here >>>  https://www.dentistswhoinvest.com/videos/what-the-spring-budget-means-for-dentists-with-david-hossein———————————————————————Chancellor Rachel Reeves's spring statement brought limited changes, but dental practices still face significant financial shifts from April 1st stemming from October's budget announcements. Specialist dental accountant David Hossain breaks down exactly what dental professionals need to know right now.The increasing cost pressures on dental businesses deserve close attention. With employer National Insurance contributions rising by 1.2% and the National Living Wage jumping to £12.21 hourly, practice owners face immediate decisions about pricing structures and operational expenses. Meanwhile, those considering practice sales should take note of the Business Asset Disposal Relief tax rate climbing from 10% to 14% on the first £1 million of proceeds - a change triggering a flurry of transactions before the April deadline.Beyond these immediate concerns, dental professionals should prepare for expanding HMRC enforcement activity. Random practice inspections are becoming more common after years of relative quiet, while late payment penalties increase to 10%. Making Tax Digital also moves forward despite delays, eventually requiring quarterly accounting submissions. With economic growth forecasts halved to just 1% and government welfare cuts expected to push 250,000 people into poverty, the broader economic environment presents additional challenges for dental businesses.Want to turn listening into learning? We're excited to announce that this episode offers free verifiable CPD to all UK dentists. Simply click the link in our description, complete the questionnaire, add your reflections, and we'll email your certificate. Stay financially informed while meeting your CPD requirements - subscribe now for more essential insights that protect and grow your dental business.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.Send us a text

About Emmanuel. Global Influencer in Finance As one of the top global influencers in the future of finance, Emmanuel is renowned for his ability to illuminate how finance is being transformed through a combination of geopolitics, cutting-edge technologies and decentralised finance. His work covers the full range of topics including: ⁠ ⁠the future of the dollar as a reserve currency, ⁠ ⁠the BRICS payment system, ⁠ ⁠the failure of CBDCs and the rise of stablecoins ⁠ ⁠when the U.S. embraces crypto, ⁠ ⁠the impact of AI on finance, ⁠ ⁠traditional banking and DeFi, ⁠ ⁠APIs and the cloud in finance ⁠ ⁠The personalization of finance Emmanuel is the founder of TAB Global, which encompasses platforms like The Asian Banker, Wealth and Society, and The Banking Academy. These platforms have been instrumental in building vital connections within the financial industry, fostering collaboration, and driving innovation on a global scale. End of tax year tips As the tax year comes to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000. See full video episode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips #emmanueldavid #globalfinace #property

How easy is it to get filthy rich selling arms to anyone who'll pay? There may be sanctions, there may be laws, but even though he's the FBI's most wanted fugitive, a Chinese arms dealer and manufacturer has evaded arrest for two decades. Who could be better to investigate one of the world's most dangerous men and tell this story than Panama Papers journalists? Taxcast host Naomi Fowler speaks to Frederik Obermaier about the book The Chinese Phantom: the Hunt for the World's most Dangerous Arms Dealer. What does it tell us about sanctions and financial secrecy at a time of rising autocracy and global insecurity?   Also in this episode: the latest on efforts by powerful people to block the US's Corporate Transparency Act which was supposed to set up a register of the real owners of companies;   And, in the UK - a new whistleblower incentive scheme - the tax authority HMRC will give whistleblowers who bring actionable information a cut of between 10 and 25% of any fine that HMRC imposes. Also, as the British government announces welfare cuts affecting the poorest people in the country, there are calls for a windfall tax on banks and a 2% wealth tax on assets above £10 million instead.   Featuring: Panama Papers journalist Frederik Obermaier, Whistleblower lawyer Mary Inman, Erica Hanichak of the FACT Coalition, Hannah Dewhirst of Positive Money, Professor Prem Sikka.   Produced by Naomi Fowler and Leo Schick of the Tax Justice Network.   Transcript of the show: (some may be automated) https://podcasts.taxjustice.net/wp-content/uploads/2025/03/March_25_Transcript-1.pdf    Further reading:   The Chinese Phantom, the Hunt for the World's Most Dangerous Arms Dealer. (Available in English and in German) https://www.kiwi-verlag.de/verlag/rights/book/bastian-obermayer-frederik-obermaier-die-jagd-auf-das-chinesische-phantom-9783462001396 Also available here but please try to use a local bookshop! https://www.amazon.co.uk/Chinese-Phantom-worlds-dangerous-dealer/dp/1915590698    Tax abuse whistleblowers will earn a share of HMRC proceeds, says UK Finance Minister https://www.theguardian.com/business/2025/mar/26/tax-avoidance-whistleblowers-will-earn-share-of-any-hmrc-proceeds-rachel-reeves-confirms   Windfall tax on bank profits in the UK could raise £15bn https://positivemoney.org/press-release/windfall-tax-on-bank-profits-could-raise-ps15bn/   How to raise £60 billion for public services: ten tax reforms from Tax Justice UK https://taxjustice.uk/blog/how-to-raise-60-billion-for-public-services-our-ten-tax-reforms/   Millionaires urge MPs “tax us, the super-rich” to avoid cuts and invest in Britain https://patrioticmillionaires.uk/latest-news/millionaires-urge-mps-tax-us-the-super-rich-to-avoid-cuts-and-invest-in-britain    All our podcasts are available on our podcast website https://podcasts.taxjustice.net/ 

The Bank of England cut base interest rates from 4.75% to 4.5% in February, their lowest level for 18 months and raising hopes of further cuts in 2025. But now inflation has reared its ugly head again with an unexpected rise to 3%, largely driven by higher government borrowing and spending, as well as public sector pay rises. See video version - https://youtu.be/7Sc0oL4BHdM Mortgage holders and property buyers were hoping that the Bank of England would continue cutting rates this year and whilst this could still happen there is unlikely to be a further cut when the bank’s monetary committee meets on 20 March. Higher interest rates have a direct impact on how much you can borrow to buy a property, as the banks apply strict affordability criteria. However, the government has talked about easing mortgage lending to stimulate the flagging market and help first time buyers. Higher stamp duty does NOTHING to help people who want to buy their own home. End of tax year tips As the tax year comes to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000. See full video episode - https://youtu.be/uXcCqWj_xfs?si=51rN_XvVb4ntWexO Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips

Get your free verifiable CPD for this episode here >>>  https://www.dentistswhoinvest.com/videos/why-labour-could-be-targeting-dentists-with-mike-bryan———————————————————————Tax burdens for UK dentists have been steadily climbing, and there's more on the horizon. Dental practice owners need to prepare for significant changes as the Labour government takes aim at the £40 billion "tax gap" - the difference between what HMRC expects to collect and what it actually receives each year.The surprising truth? Small and medium-sized businesses like dental practices account for a staggering 60% of this uncollected tax - approximately £24 billion annually. This makes dentists prime targets as the government deploys 5,000 new HMRC inspectors specifically focused on increasing tax compliance among smaller businesses. While many might question why authorities aren't pursuing multinational corporations more aggressively, the reality is that SMEs represent the practical opportunity for increased revenue collection.Making Tax Digital (MTD) represents another major shift coming in April 2026 for sole traders (and later for limited companies). Instead of filing a single annual tax return, professionals will need to submit quarterly returns plus additional adjustments - effectively increasing the administrative burden sixfold. This system will require mandatory use of accounting software with bank feed integration, potentially creating a digital environment where expenses claimed by one business automatically generate expected income entries in another's accounts. The days of cash transactions without digital footprints are quickly disappearing.What can dentists do to prepare? Focus on legitimate tax planning while ensuring complete compliance. Maximize pension allowances, evaluate whether your business structure (sole trader vs limited company) remains optimal, consider tax-efficient investments like electric vehicles, and perhaps most importantly, invest in tax investigation protection to cover the substantial accounting costs associated with HMRC inquiries. Remember - tax avoidance through proper planning is perfectly legal; tax evasion never is. Listen now to ensure your practice is ready for the changing tax landscape, and don't forget to claim your free verifiable CPD by completing the questionnaire linked in our description.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.Send us a text

In this week’s Tax Factor, Ele Theohari and Tomm Adams look at a recent VAT tribunal case - are hair transplants a medical necessity or just cosmetic? Meanwhile, HMRC is under fire again. While they’ve launched a dedicated service to clear long-standing PAYE and Self-Assessment queries, MPs are questioning their leadership structure and fairness in customer service. Plus, we break down the latest IR35 data post-2021 reforms, changes to Beneficial Loan Arrangement rates, and the case of a tax evader who admitted he’d been “a silly boy” and has been handed an £850k civil recovery order.See omnystudio.com/listener for privacy information.

UK Chancellor Rachel Reeves has talked about “simplifying” ISAs, which could mean slashing the annual allowance for savings ISAs, currently £20,000. The government wants your money… Watch full video at Charles Kelly Money Tips Podcast - https://youtu.be/uXcCqWj_xfs They don’t produce wealth, they just tax those who do! They take from us to spend our money. High taxation is one of the reasons 10,000 millionaires left the UK last year. Check out my video on this. As the tax year draws to a close, now is the perfect time to review your finances and take advantage of last-minute tax-saving opportunities. In the latest episode of the Charles Kelly Money Tips Podcast, we break down essential end-of-tax-year tips to help you reduce your tax bill legally and keep more of your hard-earned money. 1. Maximize Your ISA Allowance You can save up to £20,000 tax-free in an Individual Savings Account (ISA). If you haven’t used your full allowance, now is the time to top it up. 2. Utilize Pension Contributions Contributing to your pension not only grows your retirement fund but also reduces taxable income, with tax relief of up to 45% for higher earners. We don’t know how long this tax concession will last. 3. Claim Allowable Expenses Self-employed? Ensure you claim all deductible expenses, such as home office costs, travel, and professional fees, to lower your taxable profit. 4. Use Capital Gains Allowance Sell assets strategically to take advantage of the current capital gains tax-free allowance before it resets in the new tax year. 5. Gift Money IHT Tax-Free Use your annual £3,000 inheritance tax gift allowance to pass on wealth without tax implications. Use it or lose it. 6. Use your accountant, tax specialist, financial adviser and other professionals to save you money. Good advice can save you a fortune. Invest in yourself. Don’t miss out on these end-of-tax-year strategies—watch the full video now! 7 Powerful Steps to Transform Your Finances in 2025 As we move closer to 2025, now is the perfect time to take charge of your finances and make it your most successful year yet. In the latest episode of the Charles Kelly Money Tips Podcast, we explore actionable strategies to help you achieve financial freedom and build wealth. Watch full video - https://youtu.be/-k7HPn0u_Ok?si=j6ZpuTlRyCJzuIxY Section 24 Property Landlord Tax Hike Interview with Chartered Accountant and property tax specialist who reveals options and solutions to move your properties from your own name into a limited company or LLP whilst mitigating the potential HMRC pitfalls. Email charles@charleskelly.net for a free consultation on how to deal with Section 24. Watch video now: https://youtu.be/aMuGs_ek17s #section24 #TaxSavingTips #EndOfTaxYear #FinanceTips #UKTaxes #WealthBuilding #MoneyManagement #PensionPlanning #TaxFreeSavings #CharlesKellyMoneyTips

There doesn't seem to be any area of HR that isn't impacted by AI. Whether it's personalised learning experiences or employee benefits, accessible employee survey tools, enhanced data and analytics or simply the automation of transactions, most HR teams are having to get to grips with the potential of AI.  In this episode, we're joined by Andy Headworth, Deputy Director of Talent Acquisition at HMRC, to discuss the impact of AI in HR, and more specifically in recruitment.  Andy's team, who were early adopters of AI, have been experimenting with emerging technologies to help hiring managers make more informed decisions for the last two years. He explains how AI-driven tools have streamlined the recruitment process, using talent insights and addressing common pain points faced by hiring managers.  With AI fast becoming a creative collaborator rather than just a search engine, we discuss the challenges and strategies of introducing AI in a traditionally cautious sector, and the importance of supportive leadership whilst fostering curiosity. This episode is a must listen for anyone who is AI-curious in HR or recruitment roles. Contact Andy https://www.linkedin.com/in/andyheadworth/ Disruptive HR Website: www.disruptivehr.com Join the Disruptive HR Club https://disruptivehr.com/welcome-to-the-future-of-hr/ Email: hello@disruptivehr.com

This week on The Tax Factor, Ele Theochari and Rehana Earle discuss the latest consultation on Agricultural and Business Property Relief and look at potential implications for farm businesses. They also review proposed changes to cash ISAs and consider whether the Chancellor will align with the needs of everyday savers. And with HMRC testing AI voice authentication, could this be the end of passwords and security questions?See omnystudio.com/listener for privacy information.

In this episode of the C-Suite Series of the Big Careers, Small Children podcast, Verena Hefti MBE speaks with entrepreneur, award-winning business leader, experienced non-executive director, broadcaster, and author Susie Warran-Smith CBE DL about her journey of building a multi-million-pound business while raising a family.Susie candidly shares the realities of balancing a demanding career with motherhood, why she believes you can't have it all, and the importance of letting go of guilt and external expectations. She also reflects on setting boundaries at work, learning from business mistakes, and embracing life beyond career success.Whether you're navigating career progression, entrepreneurship, or just feeling overwhelmed by the constant juggle, this episode is full of practical wisdom, humour, and reassurance.What You'll Learn in This Episode:✔️ The myth of "having it all" – why Susie believes balance is about letting go of perfection✔️ How to manage guilt as a working parent and why your children will be fine✔️ Practical tips for setting work boundaries and ensuring time for yourself✔️ How to build confidence and push past workplace discrimination✔️ Why women should stop underplaying their achievements✔️ The power of flexible working and why she banned weekend emails✔️ How caring responsibilities shape leadership and decision-making✔️ Why networking, mentorship, and self-belief matter for career successAbout Susie Warran-Smith CBE DL:Susie Warran-Smith CBE DL is an experienced non-executive director, entrepreneur, award-winning business leader, broadcaster, and author. She founded and scaled Breakthrough Funding, a multi-award-winning business that she later sold to EY (Ernst & Young), where she became Executive Director for Europe, the Middle East, India, and Africa.She currently serves as a Non-Executive Director at HMRC and The British Library and is Executive Chair of Produced in Kent. In recognition of her contributions to small businesses, she was awarded a CBE in 2022 and was appointed Deputy Lieutenant of Kent.Susie is also an advocate for female entrepreneurs, a sought-after speaker, and the author of Swimming On My Own. Find out more at www.susiews.com.Show Notes:Connect with Susie Warran-Smith on LinkedInLearn more about the Leaders Plus: Big Careers, Small Children podcast and explore additional resources at leadersplus.org.Follow Leaders Plus on LinkedIn, Instagram, and Bluesky.Connect with our CEO, Verena Hefti MBE on LinkedIn.Find out more about the work of Leaders Plus by signing up to our Newsletter.Our multi-award-winning Leaders Plus Fellowships support parents committed to career growth while enjoying family life. Expertly designed to keep parents on the leadership path, our programme tackles gender pay gap issues and empowers parents to thrive. Learn more...

Welcome to the one hundred and thirty fourth episode of the #Expatchat podcasts where we discuss the latest tax and financial issues affecting an #Australianexpat. In today's Expat Chat we run through some questions Australian expats have asked in our Australian Expat Financial Forum Facebook Group. We often find that when speaking to Australian expats there are common themes that emerge from time to time when managing your financial affairs overseas. At the moment the most popular topics include buying and selling property as a Australian expat and how to manage your superannuation and foreign pensions when living overseas. In this episode we run through the following questions that were asked: • What are the changes to the Foreign Resident Capital Gains Withholding Tax and how do they affect Australian expats selling property? • What happens when you buy a property as a non-resident and sell it as a tax resident of Australia? • What is the current CGT situation when selling a property in Australia as a non-resident when the property was formerly your Main Residence? • If you regularly transfer large sums of cash from the UAE back to Australia can you be classified as a Australian tax resident? • If I start drawing a allocated pension from my Australian superannuation account whilst I am a tax resident of the UK does the HMRC tax me on this? Links that we discussed in this episode include: • Upcoming events - https://atlaswealth.com/events • Facebook Group - Australian Expat Financial Forum Facebook Group - https://www.facebook.com/groups/Australianexpatfinancialforum • Ask Atlas - Have your questions answered on the podcast by clicking this link - https://atlaswealth.com/news-media/australian-expat-podcasts/questions-or-feedback-for-the-expat-podcast/ • Expat Mortgage Podcast - https://atlaswealth.com/news-media/australian-expat-podcasts/expat-mortgage-podcast/ If you like the content make sure you let us know by hitting the thumbs up and subscribing as well as providing some feedback in the comments below. Atlas Wealth Management is a specialist in providing tax financial planning advice to every Australian #expat. Whether you are based in Asia, the Middle East, Europe or the Americas, we have the experience in providing wealth management and planning services to the expatriate community. Atlas Wealth Management was born out of the demand from expats who wanted a financial adviser to help them navigate the tax and financial maze of living abroad as well as assisting them make the most out of their time overseas. To find out more about Atlas Wealth Management and how we can help Australian expats please go to https://www.atlaswealth.com. Make sure you connect with us on our respective social media channels: Facebook: www.facebook.com/atlaswealthmgmt LinkedIn: www.linkedin.com/company/atlas-wealth-management Twitter: www.twitter.com/atlaswealthmgmt Instagram: www.instagram.com/atlaswealthmgmt

This week on The Tax Factor, Nimesh Shah is joined by US tax expert Michael Holland to break down Trump’s latest blunder on VAT; has someone got the wrong end of the tax stick? Meanwhile, Elon Musk is diving into IRS tax data, but Michael warns it might not be the goldmine he expects. And with the cost of running the UK tax system soaring, will HMRC find those elusive efficiencies or are we all in for an even bigger tax bill?See omnystudio.com/listener for privacy information.

Dundee face a crucial showdown in Dingwall as they face 10th-placed Ross County.   When the full-time whistle blows, will they be looking towards the top six or in a relegation scrap?  The team discuss the importance of Simon Murray against his former club, the uncharted territory for Tony Docherty and assess when we can expect to see more of “Chespi” Lopez.  And two County stars are spotlighted amid some smart recruitment in the Highlands.   Meanwhile, we take a deep dive into HMRC ordering Dundee United to repay a portion of the £1.28 million R&D tax credit from 2021 – a decision which is under appeal.   How did United get the money, what was it for, who should pay the tax bill and which other clubs have benefitted from the scheme?  On the pitch, it's a first look at Michael Wimmer's Motherwell and Jim Goodwin is ready to combat an all-action, high press style as United seek to end their ‘Well hoodoo.   How much of a boost will home advantage prove for the Tangerines?  Host Tom Duthie is joined by George Cran, Alan Temple and Graeme Finnan to chew the fat.  Twa Teams, One Street is proud to be supported by SPAR Scotland.  You can get us on Youtube too! youtube.com/@TheCourierUK/videos 

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>>  dentistswhoinvest.com/podcastreport———————————————————————Struggling to land the perfect mortgage deal as a dentist? In this episode, mortgage expert Anish Patel breaks down why the usual lending rules don't always work in your favour and how your dental practice's structure can impact your borrowing power. We dive into why modest salaries and strategic dividends can put a cap on what you can borrow—and how lenders who back business profits can open up better mortgage options for you. Plus, learn how to balance your personal income and business profits to increase your chances of securing your dream home, without messing up your finances.But that's not all! We also explore practical steps to boost your credit score. Even high-earning dentists can fall victim to late payments and Buy Now, Pay Later schemes. Anish shares simple strategies to maintain a strong credit score and why staying on top of direct debits and keeping creditors in the loop can make a difference. We also debunk myths around HMRC tax payment plans and offer advice for locum dentists on managing finances like a pro. Tune in and get the knowledge you need to enhance your financial profile and secure the mortgage you deserve!———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.Send us a text

This week on The Tax Factor, Nimesh Shah and Ola Adigun dive into the latest tax twists and surprises. Stats released by HMRC show year-end Self-Assessment filings have dropped unexpectedly, despite more people being expected to file. Meanwhile a High-Income Child Benefit Charge case saw HMRC send in the bailiffs over £1,000, Trump’s tariff flip-flopping raises questions, and Ola unpacks a major tribunal ruling on the Tour Operators’ Margin Scheme (TOMS) that shakes up VAT for accommodation resellers.See omnystudio.com/listener for privacy information.

For many business owners, dealing with HMRC and tax compliance is one of the most stressful parts of running a business. The fear of making mistakes, the pressure of deadlines, and the complexity of the system can feel overwhelming. In this episode, we're joined by Paul Aplin OBE, a trailblazer in tax and business strategy. With decades of experience and a leading role in the Making Tax Digital initiative, Paul shares practical advice for reducing tax-related stress and avoiding common pitfalls. We cover:

This week on The Tax Factor, Nimesh Shah and Heather Self explore potential updates to non-dom tax rules, the fluctuating figures in wealth tax discussions, and a new loan charge review aimed at resolving the long-running controversy. They also examine a recent High Court case in which American actor Mercer Boffey unsuccessfully argued that his Richmond home was exempt from Council Tax. With the self-assessment deadline upon us, Nimesh and Heather share last-minute filing tips and highlight the latest HMRC scams to watch out for.See omnystudio.com/listener for privacy information.

Rachel Reeves has announced backing for a third runway at Heathrow in a bid to drive UK growth. Plus: RFK Junior gets grilled in his confirmation hearing; and Roman Abramovich may owe HMRC £1bn in unpaid tax. With Michael Walker and NoJusticeMTG

In this week’s episode, Robert Salter and Gabby Donald look at the major tax developments making headlines. They discuss the Trump administration’s executive order to withdraw the US from the OECD’s Global Minimum Tax (GMT) deal and ask: does this signal the demise of the GMT initiative? While closer to home, the Public Accounts Committee has accused HMRC of providing subpar service and eroding public confidence in the UK tax system. They also explore the case of a Norwegian company facing a 10-year National Insurance bill and the lessons learnt. And Gabby shares why we’re not out of the woods yet when it comes to more tedious food VAT tribunals.See omnystudio.com/listener for privacy information.

Rehana Earle and Melissa Thomas look at the tax stories making headlines including the impact of HMRC staff strikes during the self-assessment filing season, and a Russian financier’s unusual claim that his bacon-smoking factory (complete with a wine cellar, pool room, and 40-foot bar) qualifies as a commercial space. They also discuss the curious case of a taxpayer hit with late filing penalties despite having no UK tax liability and a game-changing VAT tribunal ruling that reclassifies powdered food supplements after a challenge to their classification as sports drinks.See omnystudio.com/listener for privacy information.

It's another Q&A show, and this week we cover managing finances under an LPA, Maternity pay, and what to do with a big windfall, plus lots more besides! Shownotes: https://meaningfulmoney.tv/QA4  00:58  Big fan of the show. Really appreciate your work. Dad is 92 with rapidly declining health (Dementia and mobility issues). He is still living at home with Mum (80) who is caring for him with family help. At the moment, it is about manageable. I am managing their finances. We have moved the majority of savings into my mum's accounts. I have used up mum's entire ISA allowance for this year. There is still around £38k of savings sitting in a no interest paying Barclays account. Due to their ages, I do not want to tie up the cash for too long, though at this point in time, they do not need to use this money as they are still able to live off my Dad's pension. Can you suggest how I might manage this chunk of cash? Possibly a simple savings account, but I am aware that the interest rates are not exactly brilliant, and I wonder about moving into a GIA instead (I have moderate experience buying/selling shares in my own SIPP and ISA, though I am personally high on the risk curve with investments heavily in MSTR and TSLA). Any advice would be appreciated. Cheers, Rich 05:08  Love the podcast (obviously!), it's genuinely very helpful and has really helped me get my stuff together!!! Not sure if this is something you'd know about but, do you think you would be able to explain to me in your very listenable way, how to work out maternity pay, as in how it's actually calculated and how to plan to make up the difference etc plus anything else that might be helpful that I don't even know that I don't know!! I can't really find what I'm looking for anywhere else so just thought I'd ask as I find your explanations of things easy to understand (and could listen to you chat about anything tbh)!! Thank you! Jess 12:16  Thanks so much for your brilliant podcasts. I love the idea of the question and answer ones! I have a fun question I have been meaning to ask for ages. I keep my contingency fund in premium bonds, and I periodically enjoy a thought experiment, around what I would do if I were to win the big prize of £1 million. (I fully realise this will never happen, but it is a helpful thought experiment to get me thinking about where my priorities lie in case I do receive a much smaller lump sum in the future). I have no bad debts, I have a contingency pot and I contribute to a pension and ISA. My hypothesis is that I would give some to charity (maybe 10%?), might retain 5% for fun – a nice holiday or an upgrade to my car, would max out my ISA and pension,  and then would split the rest between a world index tracker and one or two investment properties. I'm curious to hear your thoughts on this and how you would allocate. Thanks! Justyn 17:52  The mantra is that the most important time to take advice is when nearing retirement. That's certainly true for us now, and my other half sought some regulated advice recently in respect to tax free cash and pension recycling rules. The advice was provided (that it was not tax free cash recycling) & so we are continuing with the plan as discussed  / agreed with the regulated IFA that we contracted the discussion with (we checked the company and the individuals credentials out on the FSA website .. All good). The question is (call me paranoid, but quite a lot of money – for us, is involved) what happens if in due course HMRC come to us and effectively look to impose penalties for us acting in accordance with the regulated advice provided / paid for (ie, they dont agree with it / decide it has broken the recycling rules)? I have no (sane) reason to suggest this will happen, but paranoia is a terrible thing!! Keep up the good work (oh, and Roger as well) Regards, Kevin Milsom 23:02  With UK inflation now only 1.7% (from 16 Oct 24), are we in a very unusual phase were inflation is less than half of the rate you can easily get on savings? This leads onto thinking about investing versus savings – we all invest to try and beat inflation, but we can currently do this easily with no risks via savings accounts. It is a conversation my wife and I are having at the moment! She is  ‘saver' and I am an ‘investor'. Of course we have a good mix of both from all the guidance you have provided. Cheers. Dave Hicklin 27:40  Hello gents! Big fan of the podcast and the YouTube channel. Thanks for everything you do! Question for you – which I realise is pretty niche so you may not want to cover it. I am in the fortunate position of reaching max pension taper threshold (due to a great salary, some even greater RSU awards and an increasing company share-price!). I have some pension contribution carry-forward but will have used this all up by FY26. My employer do a 7% pension contribution if employee contributes 4%. But for those reaching taper threshold, you can opt out and the company will instead just give the 7% on top of your salary (which is very generous!). Thinking ahead, my question is: – Would it be better to: a) take the combined 11% contribution and opt for a scheme-pays for the tax above the £10k allowance when time comes. I am thinking this way I still get a years worth of investment of the pre-tax money before the tax is paid – which might be beneficial? or b) opt out and take the post-tax increase in salary and put this somewhere else? My wife's and mine ISAs will be maxed already, so would have to be GIA most likely (or premium bonds!?). I'm thinking A makes most sense. I still get the £10k tax free and benefit from some further untaxed money working for me for a little while at least. The tax has to be paid either way, but I am delaying it till later. What do you both think? Thanks very much! Paul

In the first Tax Factor episode of 2025, Robert Salter and Neil Insull look at the latest tax topics for the new year. What are Rachel Reeves’ potential New Year resolutions and what are the implications of the recent NIC changes announced in the last Budget? Other highlights include tips and holiday pay, R&D tax relief, and HMRC’s reporting requirements for trading on platforms like eBay and Airbnb. With the January tax return deadline fast approaching, Robert offers a timely reminder to get your tax return completed.See omnystudio.com/listener for privacy information.

This week on the Tax Factor, Heather Self and Neil Insull discuss two sports stars caught up in tax wrangles with HMRC. They also chat about how Ann Kaplan Mulholland, the owner of Lympne Castle in Kent, wants the King to grant independence to her estate so she can sit outside of the UK after the Government abolished the non-dom tax status and how ahead of the Budget many people took tax free lump sums from their pensions, but now HMRC say cooling off periods do not apply, and payment of a tax-free lump sum cannot be undone.See omnystudio.com/listener for privacy information.

Nick is joined by David Yates to discuss the latest from around the racing world. They are joined to day by Cork trainer Jimmy Mangan who, although excited about Spillane's Tower's King George bid, warns that it is highly. contingent on soft ground at the Sunbury track. Also on today's show, Nick and Dave pick through the reporting on Frankie Dettori vs HMRC, while - in the company of former Windsor Champion Jockey Hywel Davies, they welcome the return of jumping to the Berkshire track. Dan Barber pops in with the Timeform perspective, Erwan de Chambure from Haras de Montaigu is this week's Weatherbys Guest, while Nick catches up with Clonbonny Stud's Denise O'Brien, who shaves her head for Cystic Fibrosis in Ireland this evening.

Nick is joined by David Yates to discuss the latest from around the racing world. They are joined to day by Cork trainer Jimmy Mangan who, although excited about Spillane's Tower's King George bid, warns that it is highly. contingent on soft ground at the Sunbury track. Also on today's show, Nick and Dave pick through the reporting on Frankie Dettori vs HMRC, while - in the company of former Windsor Champion Jockey Hywel Davies, they welcome the return of jumping to the Berkshire track. Dan Barber pops in with the Timeform perspective, Erwan de Chambure from Haras de Montaigu is this week's Weatherbys Guest, while Nick catches up with Clonbonny Stud's Denise O'Brien, who shaves her head for Cystic Fibrosis in Ireland this evening.

This week on The Tax Factor, Nimesh Shah and Malli Kini discuss how the 'Beatles tax clause' has put a block on the tax 'wizardry' of Harry Potter actor Rupert Grint, landing him a £1.8m tax bill, and how a notorious VAT fraudster who had evaded HMRC for several years was tracked and caught after buying a kebab in Wales. They also discuss how HMRC have published their latest list of tax defaulters, and how paying tax on time is as important reputationally as paying the right amount.See omnystudio.com/listener for privacy information.

This week on the Tax Factor, Ele Theochari and Gabby Donald look at the latest tax stories in the news. These include a challenge surrounding VAT on school fees in relation to Education, Health and Care Plans (EHCP) from local authorities and a heads-up on the implementation of HMRC's ‘Making Tax Digital' initiative for Income Tax self-assessment. They also look at why the clock is ticking on a high-stakes Upper Tribunal anonymity application, with a pivotal deadline looming on 11 December.See omnystudio.com/listener for privacy information.