Podcasts about hmrc

What happens when an industry that has barely changed for generations suddenly finds itself at the center of one of the biggest shifts in modern work? In this episode of Tech Talks Daily, I'm joined by Kate Hayward, UK Managing Director at Xero, for a conversation about how accounting is being reshaped by technology, education, regulation, and changing expectations from clients and talent alike. Kate describes this moment as the largest reorganization of human capital in the history of the profession, and as we talk, it becomes clear why that claim is gaining traction. We explore how AI is shifting accountants away from pure number processing and toward higher-value advisory work, without stripping away the deep financial understanding the role still demands. Kate shares why so many practices are reporting higher revenues and profits, and how technology is acting as a catalyst for rethinking long-standing workflows rather than simply speeding up broken ones. We also dig into research showing that pairing AI with financial education strengthens analytical thinking while leaving core calculation skills intact, a useful counterpoint to the more dramatic headlines about machines replacing people. Our conversation moves into the practical reality of how firms are using tools like ChatGPT today, from scenario planning to preparing for difficult client conversations, while also discussing where caution still matters, particularly around data security and core financial workflows. Kate also explains how government initiatives such as Making Tax Digital and the digitization of HMRC are changing client expectations and deepening the relationship between accountants and the businesses they support. We also spend time on the future of the profession, including how hiring strategies are evolving, why problem-solving and communication skills are becoming just as valuable as technical knowledge, and why private equity interest in accounting is accelerating digital adoption across the sector. Kate rounds things out by sharing how Xero is thinking about product design in 2026, what users can expect next, and why keeping the human side of the profession front and center still matters. So as accounting moves further into an AI-assisted, digitally native future, how do firms balance efficiency, trust, identity, and long-term relevance, and what lessons can other industries take from this moment of change? Useful Links Follow Kate Hayward on LinkedIn Accounting and Bookkeeping Industry Report Xero Website Follow on LinkedIn, Facebook, X, YouTube, Instagram

It's that time of year again.What's going to happen? What does the future hold?We all want to know. Knowing what's going to happen makes you feel better.NostreDominic is here to tell you.Here are 19 predictions for 20261. Gold Breaks $5,000Gold doesn't quite have the year it had in 2025, but it has a good year nonetheless and rises above $5,000/ozOn which note: Charlie Morris's monthly gold report, Atlas Pulse is, in my view, the best gold newsletter out there. Get your copy here. No pay nada.2. S&P 500 FrustrationThe S&P500 will spend much of 2026 in a frustrating range trade with a couple of nasty pullbacks. We see an interim peak in April-May, followed by a weak summer, but a strong final quarter means we end the year with a 10-15% gain.The problem of disproportionately few stocks (41 is it?) being responsible for most of the gains remains.3. Inflation Finds New FormsInflation doesn't die, it mutates. Headline inflation looks reasonably controlled (by recent standards), enabling leaders to declare that it is controlled or some other BS. Despite this “victory”, inflation finds other ways to rob you.4. Bitcoin Hits $150,000Bitcoin has a good year. With escalating geo-political conflict, as well as capital controls and tax grabs, more and more people wake up to the value of permissionless, apolitical currency. Falling trust in fiat - never mind government institutions - becomes more culturally entrenched. Bitcoin goes to $150,000.5. Starmer Survives (Just)Prime Minister Keir Starmer manages another year. His position gets even more precarious after a bad showing in the May local elections, but it is still only 2026 and the next General Election is not till 2029. Too early to oust him just yet.6. Government Spending: The Unstoppable ForceGovernment spending keeps on increasing. Even if they wanted to, they just can't stop it. Western Europe continues, therefore, its great march on the road to serfdom7. But No Sovereign Debt CrisisDespite the mathematics verging on the impossible, government debt continues to outpace GDP (it has grown at three times the pace this century) but the inevitable sovereign debt crisis that is coming to the UK, Western Europe and perhaps even the US, is somehow averted.By saying it won't happen, it will happen. I know it.8. British Stocks Shine Despite Economic StagnationBritain's economy continues to stagnate, but British stocks do well. Rather like Japan circa 2015, the valuations are so cheap that mergers and acquisitions are inevitable. Foreign money takes advantage.9. Oil RecoversOil, currently lagging metals, begins to turn around. Brent crude stays above $55 and flirts with $80 a barrel.10. UK Energy Costs Stay ElevatedEnergy costs in the UK remain high because Millibrain. Limited growth is the result.If you live in a Third World Country such as the UK, I urge you to own gold or silver. The pound is going to be further devalued. The bullion dealer I recommend is The Pure Gold Company. Pricing is competitive, quality of service is high. They deliver to the UK, the US, Canada and Europe or you can store your gold with them. More here.11. Critical Minerals BoomI would venture that the decision to overthrow Venezuelan President Maduro was as much about critical minerals - so-called strategic metals et al - and China's chokehold on them, as it was oil and gas, narco-terrorism, Russian drones and liberating the poor suffering people.To the US's credit it is trying to put the China chokehold problem right. The UK and Europe are hopeless. But this process, especially re-shoring industry, is highly inflationary, hence my comment about inflation finding new forms.It is a good year to be invested in both industrial and critical minerals, and the related stocks end the year considerably higher than when they began.This is something I'll be looking at a lot next year12. Emerging Markets RallyEmerging markets have a good year. Commodities, innit.13. The Pound Weakens A BitThe pound gradually weakens against the US dollar. High is $1.37, low is $1.25. Or thereabouts.14. Silver. Triple Digits.Silver goes above $100. There I've said it. Now watch it crash.15. AI-Powered Government OverreachA highly worrying development. Government Blob bodies, such as Ofcom and HMRC in the UK (though this problem is global), make increasing use of AI to make their processes more efficient. This enables them in a really bad way.This is already happening. In 2026 people start to wake up to the fact.I like AI. But it enables Big Bureaucracy. Beware.16. UK Property: More Stagnation The stagnation, particularly at the upper end of the market, continues. And why wouldn't it? Moving is too expensive.While nominal prices might be flat or slightly up, real prices are down, liquidity is poor, transactions fall.17. Rents Stay ElevatedBecause so many now prefer to rent so they don't have to pay moving taxes, and because the game is now over for amateur landlords, who continue to exit the market due to the increased cost of regulations, rents stay elevated.18. Official Reassurance = The Biggest MistakeThe biggest mistake of 2026, as with every year, will be trusting official reassurance. Governments and central banks remain behind the curve. Markets lead, policymakers follow. The crisis won't come from what they warn us about, but from something they've missed.19. Your Bruce-y Bonus Sports PredictionArsenal win the League. West Ham, Burnley and Wolves all get relegated.Have a wonderful 2026. Let's hope as with last year I'm wrong about everything and we make a potload of dosh. Until next time Dominic This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

What does success look like for HMRC with Making Tax Digital – and what does it really mean for the bookkeepers doing the work on the ground? In this Leadership Takeover Session, Craig Ogilvie, HMRC's Director for Making Tax Digital, explains the “why” behind MTD for Income Tax, how it will change the UK tax system, and why he believes bookkeepers are central to making it work for small businesses. Get step by step guidance on MTD for Income Tax https://www.gov.uk/government/collections/making-tax-digital-for-income-tax?Utm_source=6fb Craig shares his journey from a low-income upbringing in Scotland, through 20+ years in government delivery, to leading some of the UK's biggest programmes – including the furlough scheme during the pandemic. He explains how his parents' values around kindness and optimism shaped his leadership style, why he focuses so heavily on people and psychological safety, and how that translates into the way he runs the MTD team today. You'll hear a clear, human explanation of what MTD for IT actually is: digital record keeping, quarterly updates and software-based filing for millions of self-employed people. Craig talks about the three big reasons behind it – reducing errors in the tax gap, modernising the UK's tax infrastructure, and creating better customer service through more timely data and nudges – and why he sees bookkeepers as uniquely placed to turn that into better conversations about cash flow, credit control and business performance. He also explains the scale of the change: rebuilding core systems, working with third-party software through APIs, and designing multiple agent functionality so both accountants and bookkeepers can support the same client. Craig describes travelling around the UK to meet real practices, how those conversations led to changes like faster sign-up journeys and multiple agent access, and why HMRC is committed to genuine co-creation rather than “rubber-stamping” decisions already made. The episode goes deeper into social mobility, confidence and financial understanding. Craig talks about seeing his dad's January “bag of receipts”, the construction sector's heavy representation in the first MTD cohort, and the financial literacy gap facing many sole traders. He reflects on sessions with unrepresented business owners, where a clear explanation – often from a bookkeeper or accountant – can quickly change how someone feels about digital tools, quarterly reporting and understanding their numbers. ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast.

The Supreme Court looked at the circumstances when VAT is deductible following a share sale. https://uklawweekly.substack.com/subscribe Music from bensound.com

What does the future of bookkeeping actually look like when AI gets practical? Sabby Gill (CEO of Dext) breaks down what's changing, what won't, and how bookkeepers stay indispensable. You'll hear how a SaaS CEO thinks about time-saving automation, why “customer voice” should shape your roadmap (even in a practice), and why the human relationship side of bookkeeping becomes more valuable as systems get smarter. - Learn why Sabby speaks to 2–3 customers every day (and why he won't “pre-prep” the calls). - Use the “why + benefit + ROI” script to communicate change without losing clients. - Understand why employees come first (and how that protects customers). - Steal a leadership routine: town halls, skip-levels, surveys, and CEO onboarding 1:1s. - See what Dext is building next: AI that learns your edits, plus payments and more. - Reframe the real endgame: automation → advisory → better client outcomes. Learn what AI and Automation mean for the future of Bookkeeping with Dext's free guide: https://info.dext.com/ai-and-the-future-of-accounting-report?UTM_Source=6fb This conversation is for bookkeepers and accountants who feel the industry is in constant change (AI, HMRC updates, new processes) and want a clearer way to communicate value, without burning out. Timestamps 00:00 Introduction 00:18 Sabby's role at Dext and the business sale to IRIS 00:43 From finance admin to software leadership 02:35 What the gaming industry taught him about tech and sales 04:20 Psychometric insights: adapting your communication style 08:38 What a “normal day” looks like as CEO 09:21 The 2-customer-calls-a-day habit 10:54 “Time for business”: giving people time back 13:56 Time management and protecting your team from burnout 17:11 Engagement scores, surveys, and fixing the real issue 19:02 Communicating change: ask “why” and make the benefit simple 24:28 Small business lessons: why accountants become the first call 26:24 Hiring for diversity of thought (not just industry experience) 30:03 Calling lost customers: the feedback most leaders avoid 32:12 The Dext roadmap: AI that learns your repeated changes 36:06 What's coming next 37:21 Advisory is the endgame, and why humans still win 39:06 Dext's stance on direct vs partner relationships 40:03 Wrap-up ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast.

What does the future really look like for UK bookkeepers as regulation tightens, MTD expands and professionalism becomes more important than ever? In this episode of the 6FB Sofa Sessions, Ami Copeland, CEO of the Institute of Certified Bookkeepers (ICB), explains exactly what's changing, what standards matter most, and how bookkeepers can protect, grow and future-proof their practices. Ami leads one of the most influential professional bodies in UK bookkeeping and works closely with HMRC, software providers and regulatory partners to shape the modern bookkeeping profession. In this conversation with Jo Wood and Zoe Whitman, she shares what she is seeing across thousands of UK practices, how professionalism and compliance expectations are rising, and why strong ethical standards will define the next decade of bookkeeping. You'll hear how Making Tax Digital is reshaping the role of the bookkeeper, what regulation really means for day-to-day practice, and how bookkeepers can position themselves as trusted finance partners rather than “just” compliance providers. Ami also talks openly about confidence, competence, qualifications, and why credibility will become a key differentiator as the industry continues to grow. This episode explores the commercial benefits of being professionally recognised, how education and CPD protect both you and your clients, and why bookkeepers who embrace change now will be the ones leading the profession in the years ahead. Ami explains the balance between accessibility and accountability in bookkeeping, and what standards clients will increasingly expect as business owners become more financially aware. If you are a UK bookkeeper navigating MTD, thinking about regulation, wanting to raise your professional profile, or unsure how formal recognition fits into your growth plans, this episode will give you clarity, reassurance and direction. Find out about ICB Membership at https://www.bookkeepers.org.uk/Membership/?utm_source=6fb This is essential viewing for bookkeepers who want to build long-term credibility, charge with confidence, and be seen as true financial professionals in a rapidly evolving industry. ----------------------------------------------- About us We're Jo and Zoe and we help bookkeepers find clients, make more money and build profitable businesses they love. Find out about working with us in The Bookkeepers' Collective, at: 6figurebookkeeper.com/collective ----------------------------------------------- About our Sponsor This episode of The Bookkeepers' Podcast is sponsored by Xero. Get 90% off your first 6 months by visiting: https://xero5440.partnerlinks.io/6figurebookkeeper ----------------------------------------------- Promotion This video contains paid promotion. ----------------------------------------------- Disclaimer The information contained in The Bookkeepers' Podcast is provided for information purposes only. The contents of The Bookkeepers' Podcast is not intended to amount to advice and you should not rely on any of the contents of the Bookkeepers' Podcast. Professional advice should be obtained before taking or refraining from taking any action as a result of the contents of the Bookkeepers' Podcast. The 6 Figure Bookkeeper Ltd disclaims all liability and responsibility arising from any reliance placed on any of the contents of the Bookkeepers' Podcast.

Money Box takes a special look at how victims of fraud are treated by those supposed to help them in the weeks and months afterwards. How are they helped in their fight for justice by the police, their banks and the courts? Or are they all too often left struggling to deal with both the financial and mental impact on their own? We also hear how a small regional charity in the UK has partnered with police to be there for victims when the spotlight of the original crime has faded.Parents who lost their child benefit because HMRC wrongly believed they had left the country deserved better treatment according to a senior MP. Dame Meg Hillier, the chair of the Treasury Select Committee, made the comments after the tax office stripped payments from almost 24,000 families after it used travel data to conclude they had left the UK permanently. As we previously reported, some of those people had simply been on holiday. HMRC says it took swift action and that, where there was evidence that customers had continued UK employment, it reinstated payments automatically without any need for customer contact and those payments have been backdated. As the Budget draws nearer how do frozen tax thresholds already impact people and how might that change on Wednesday?Plus, if you've got significant savings in a UK bank or building society or credit union, the level of protection you'd have if one of them goes bust is to rise from £85k to £120k – how will that work?Presenter: Felicity Hannah Reporters: Dan Whitworth and Jo Krasner Researcher: Eimear Devlin Editor: Jess Quayle Senior News Editor: Sara Wadeson(First broadcast 12pm Saturday 22nd November 2025)

This week’s Tax Factor is a festive special, with Ele Theochari and Neil Insull bringing seasonal cheer and tax insight to the podcast. They first look at the Morrisons VAT case involving chickens, unwrapping what the decision means for retailers and why food VAT remains a tricky item on HMRC’s Christmas menu. Next, Ele and Neil turn to advanced clearance schemes, explaining how they work, when they can be used, and why certainty from HMRC can be one of the most valuable gifts for businesses looking to plan ahead. They also run through the top three tax stories making the news this week, adding festive flair and thoughtful commentary. The last episode for 2025 is filled with insights and seasonal puns.See omnystudio.com/listener for privacy information.

Are you an early-bird, a dipper or a last-minute panicker? Hywel Davies has been speaking to HMRC to find out about each of the “filing-styles” people are using for their Self Assessment tax return. For more information on Self Assessment, visit the Gov.uk website - Self Assessment tax returns: Overview - GOV.UK

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.

Check if your dental practice qualifies for capital allowances here >>> https://www.dentistswhoinvest.com/chris-lonergan———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Tax deadlines have a habit of landing right when cash flow is tight and growth plans are in motion. We dive into the practical world of tax loans for dentists and explain how to use them as a strategic tool rather than a last resort. From real numbers to real outcomes, we explore where a short, targeted loan can protect investments, smooth working capital, and keep expansion on track without sending the wrong signals to lenders.We start by clarifying what a tax loan is, who offers them, and why terms cluster around six to twelve months with higher rates than standard borrowing. Then we look at the trade-offs: should you break an ISA or index fund, or keep compounding and bridge the bill? You'll hear a case study where avoiding exit charges and market timing risk made the loan cheaper overall. We also share a lesser-known alternative—refinancing equipment or refurbishment spend already paid from cash—so you can replenish funds for tax, secure a lower rate, and spread cost over three to five years.The conversation tackles HMRC Time to Pay, too. While the headline rate can look attractive, an active HMRC plan may act as a red flag to banks because HMRC ranks ahead of lenders, potentially restricting access to future finance for new surgeries or kit. We discuss how lenders view these arrangements, the impact on future borrowing, and how to weigh short-term interest against long-term flexibility. Finally, we outline how to apply for a tax loan, the documents you need, and the typical turnaround time so you can act before January bites.———————————————————————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. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

MPs on the Treasury Select Committee are seeking answers from HMRC after thousands of parents have had their child benefit stopped because they took a holiday abroad. The mistakes happened during a fraud crackdown on people emigrating from the UK but still claiming the benefit for their children. Now, among all the financial pressures of recent years the costs faced by parents for school trips has continued to go up. And it's not just a cause for concern for parents, but also for school governors. The body which represents them in England, the National Governance Association, has told Money Box that schools should try to help parents with these costs to ease the growing financial pressures many feel. Plus, a big change is underway aimed at helping victims of domestic violence in financial trouble. And we continue to look at Budget issues raised by listeners. This week it's potential changes to council tax. Speculation suggests that the two highest bands, and the way bands are decided, could be subject to change later this month.Presenter: Paul Lewis Reporters: Dan Whitworth and Eimear Devlin Editor: James Graham Senior News Editor: Sara Wadeson

Big news, Martyn Cohen is officially joining Cockerill & Co. After a decade plus leading sales and ops across major flooring names, then launching MC Growth Consultancy earlier this year, Martyn is bringing his people first approach into the community. In this episode Tom digs into why he said yes, what he has learned helping retailers, commercial contractors and manufacturers, and how he will add firepower for our members in 2026.About MartynFormer senior leader at Headlam and Carpetright, now growth consultant working across retail, commercial and manufacturing. Known for building high performing teams, fixing recruitment bottlenecks, improving buying terms, and making complex installer set ups work in the real world, HMRC included.What we coverThe announcement, why Martyn is joining Cockerill & Co, and how the partnership worksFrom redundancy to momentum, the first 8 to 9 months of MC Growth ConsultancyThe £2 to £3 million ceiling, when systems, people and process become the growth leverTwo magic moments, franchise results and a commercial client that needed to scale capacity before salesPeople first performance, recruitment done right, culture, and honest conversations that avoid formal performance casesThird party fitter networks, pricing, VAT, HMRC headaches, and how to stay on the right side of the lineBuying power, where the hidden points are in supplier terms, and why a thirty minute call can save tens of thousandsUnplanned services that now matter, recruitment search, interview support, and prep for sale or full business exitsWhy the Cockerill & Co community works, who not how, and proof from peer results, not pitch decksKey takeawaysGrowth is usually blocked by capacity and capability, not just leads or ordersRecruit well, train well, support well, and you will keep good peopleBuying smarter puts profit straight to the bottom line, many miss it through sheer busynessCommunity beats going it alone, the right room saves time and moneyIf we cannot add value, we will say so, the goal is impact, not invoicesWho this helpsIndependent retailers who want to scale without losing sleepCommercial contractors hitting operational limitsManufacturers building UK routes to market or fitter ecosystemsOwners preparing to sell in the next two to three yearsChapter guide00:00 Welcome back, and the announcement 02:00 Martyn's journey, redundancy to consultancy 06:30 Early wins, franchise systems and commercial capacity 11:45 Risk, reputation, and why the pipeline kept growing 14:30 What Martyn brings, people, recruitment, HR and culture 18:30 Installer networks and HMRC, lessons from Carpetright 21:30 Buying power that moves the P and L 24:30 Recruitment as a service, interview help, and search 26:30 Prep for sale, valuation thinking and finding buyers 29:30 Why the community matters more than the features 33:00 Values, saying no when it is not a fit, doing the real work 39:00 How to get involved and next stepsLinksWatch on YouTubeListen on SpotifyListen on Apple PodcastsCockerill & Co, join the community or request a consultConnect with Martyn on LinkedInWork with usWant a straight talking plan to grow, sort your people challenges, or unlock margin, reach out and we will set up a proper call.CreditsHost, Tom Cockerill Guest, Martyn Cohen Produced by The UK Flooring Podcast 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

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

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 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 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 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)

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

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.

▷ 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.