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In this episode of VFM Pensions, hosts Darren and Nico chat to Eversheds Sutherland's Partner and Head of DC, Michael Jones, about all things value for money. Michael has the honour(?) of being the first actively practicing pensions lawyer on the podcast and he timed his appearance perfectly being a Spurs fan (recording the morning after a lucky Europa Cup win...) As well as finding out how Michael got into pensions and what value for money means to him, we have a wide-ranging discussion covering: Recent statements from the Pensions Minister concerning DB Surpluses The latest WPI report on scale and independence Angela Rayner's proposed tax hikes - will we / won't we see the reintroduction of the Lifetime Allowance? Pension investment and fiduciary duty The use and evolution of AI in pensions And a crowd funding campaign seeking a KC opinion on the retrospective nature of the Government making DC pensions subject to IHT. Enjoy!
In this episode of In Conversation With..., host Kimberley Dondo is joined by Andrew Tully, Technical Services Director at Nucleus Financial, to unpack the proposed changes to Inheritance Tax (IHT) and their far-reaching implications. From navigating potential reforms to identifying key client groups and avoiding common planning pitfalls, Andrew shares expert insights and actionable strategies for advisers preparing for what's ahead in 2025. Whether you're looking to refine your IHT advice or get ahead of policy shifts, this episode is not to be missed.
This week Nick talks to Judith MacKenzie. Judith joined Downing in October 2009, bringing with her extensive experience in venture capital and fund management. Prior to this, she was a partner at Acuity Capital, where she managed AIM-listed VCT and IHT investments, as well as a small-cap activist fund. Before Acuity, Judith spent nine years as a senior investment manager at Aberdeen Asset Management Growth Capital, where she co-managed five Aberdeen VCTs, focusing on technology and media investments across both public and private companies. In 2010, she founded Downing Fund Managers, the boutique investment division of Downing LLP. Judith currently serves as Chair of the Quoted Companies Alliance and holds active board roles in both private and public sectors.Nick and Judith discuss her journey into finance, inspired by working in her parents' small businesses in the Scottish Highlands. Her early exposure to economics and investing sparked a lifelong interest in smaller companies. She discusses her career progression from stockbroking to fund management, emphasising her focus on UK micro-cap and smaller companies through Downing's IHT (Inheritance Tax) service. Judith explains the appeal of AIM-listed firms due to their tax benefits and potential for strong returns, highlighting a hands-on, diligent investment approach that mirrors private equity standards. She identifies three key types of companies she targets: value compounders, self-help businesses, and balance sheet leaders—mentioning Ramsdens, James Latham, and Flowtech as examples. Judith critiques the negative narrative around AIM, advocating for its role in supporting entrepreneurial growth and job creation. She expresses hope for a shift back to active investing and UK-focused capital deployment, especially in light of current global economic uncertainties and US-centric fund flows. Judith's book choice was:Vassal State: How America Runs Britain by Angus HantonJudith's music choice was:Human by The KillersThis content is issued by Zeus Capital Limited (“Zeus”) (Incorporated in England & Wales No. 4417845), which is authorised and regulated in the United Kingdom by the Financial Conduct Authority (“FCA”) for designated investment business, (Reg No. 224621) and is a member firm of the London Stock Exchange. This content is for information purposes only and neither the information contained, nor the opinions expressed within, constitute or are to be construed as an offer or a solicitation of an offer to buy or sell the securities or other instruments mentioned in it. Zeus shall not be liable for any direct or indirect damages, including lost profits arising in any way from the information contained in this material. This material is for the use of intended recipients only.
In this episode of the Money Marketing Podcast: Protection and Pensions series in association with Royal London, Kimberley Dondo is joined by Justin Corliss and Fiona Hanrahan from Royal London's technical team. They unpack the far-reaching implications of the April 2025 changes to employer national insurance, explore how salary exchange could ease the burden, and clarify key updates around the abolition of the lifetime allowance and upcoming IHT changes for pensions. Whether you're an adviser looking to help clients stay ahead of tax and regulatory changes or wanting to sharpen your understanding of pension death benefits and IHT planning, this episode is packed with timely insights and actionable takeaways.
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
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
Send us a textIn this episode, we're joined by Matt Bird, Tax Partner at Sayers Butterworth, to unpack the latest changes to Inheritance Tax (IHT) in 2025.We cover:
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What happens when your own health journey leads you to discover groundbreaking wellness solutions? In this episode of #TheLongevityPodcast, Dr. Jen sits down with Dr. Kim Catherine Grom, a certified IHT wellness practitioner, licensed coach, and nutrition advisor. Dr. Kim shares her battle with late-stage Lyme disease and toxic mold exposure, which led her to seek alternative healing methods beyond traditional medicine. Through her practice, Bioscience for Believers, she now helps others using bio-scans and frequency testing to support wellness without venturing into new age or mysticism. This conversation is a deep dive into resilience, faith, and integrative health solutions that can transform lives.Dr. Kim Catherine Grom is a certified IHT wellness practitioner, licensed coach, and nutrition advisor. After battling late-stage Lyme disease and toxic mold exposure, she discovered alternative healing methods that transformed her health. Through Bioscience for Believers, she now helps others find balance using bio-scans and frequency testing.Facebook:https://www.facebook.com/kimcgrom#Instagram:https://www.instagram.com/kimgrom/Linkedin: https://www.linkedin.com/in/drkimgrom/Website: https://www.lifeconnectionswellness.com/PODCAST Thank you for listening please subscribe and share! - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Shop supplements: https://healthybydrjen.shop/ CHECK OUT a list of my Favorite products here: https://www.healthybydrjen.com/drjenfavorites WATCH THIS:https://www.youtube.com/watch?v=2lSyAFy5U4U&list=PLaDiqj0yz1eeCOATXPoUDt8HEJxz1_lfW - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - FOLLOW ME: Instagram :: https://www.instagram.com/integrativedrmom/ Facebook :: https://www.facebook.com/pflegmed Tik Tok :: https://www.tiktok.com/@integrativedrjen YouTube :: https://www.youtube.com/@integrativedrmom - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - FTC: Some links included in this description might be affiliate links. If you purchase a product through one of them, I will receive a commission (at no additional cost to you). I truly appreciate your support of my channel. Thank you for watching! Video is not spons...
Mark Morton takes a look at the proposed IHT changes for pensions from April 2027.Communicate tax changes easily with expert content that makes a difference to your clients. Spring Statement - https://www.mercia-group.com/promote/all-promote-products/budget-and-tax-rates/spring-statement-2025/ Tax Cards - https://www.mercia-group.com/promote/all-promote-products/budget-and-tax-rates/tax-cards-and-rates/ For more information on this topic and more, please visit www.mercia-group.com for further details.
Welcome to another Q&A show. This week we cover moving abroad, inheritance tax and paying into a pension while drawing from another, and lots more besides! Shownotes: https://meaningfulmoney.tv/QA7 01:16 Question 1 I've been a long time listener for my entire working career and your podcast has been invaluable to getting me to the great position I'm in now. I have recently been offered a very exciting job opportunity abroad (specifically Luxembourg) and I'm thinking about financial issues I might want to cover. I am 29 and have a mid-five figure sum in each of my ISA, LISA, and DC pension in the UK. I hope to save and invest heavily abroad with a FIRE sort of philosophy. I wonder if there are any big things to think about in preparation for a move, or things to do while in the EU that will make a move back easier. I realise this is probably a complex question, and maybe too niche for a podcast episode. I've considered getting a one-off consultation with a financial advisor before my move, do you think this would be worthwhile, and if so what sort of service or green flags should I be looking for? (Assuming Jackson's is not a specialist in this area!) Thank you again! Stuart 06:24 Question 2 Hi Pete, Hi Roger, May I ask a question about pensions now being subject to IHT. My father in law's strategy for passing on his wealth was to pass on an unused pension, previously protected from IHT, and he had also invested in AIM shares, again also previously exempt from IHT but now subject to 20% tax. He is nearly 82. What options might you suggest for him to consider on either of those points, but in particular the pension point. Draw the pension and gift it? Thank you very much. Love the pod and religious listener! Jo 13:00 Question 3 Hi Pete and Roger, A great many thanks for all that you do towards simplifying personal finance principles. It is with thanks to your guidance that I am living within my means and on a budget with clear financial objectives. My question today is on behalf of a family member, let's call her Glynda. Glynda is 58 years old and intends to continue working until she can claim her full state pension. She currently has two private pension pots, one is a SIPP on the Vanguard platform and one is her workplace scheme with a smaller provider I've never heard of called Creative Trust. A few years ago, she chose to withdraw her 25% tax free cash allowance from her SIPP with a view to investing this in rental property. For one reason or another this didn't actually happen so she is now saving this aside as her 18 month cash buffer. To withdraw the 25% tax free cash, she had to “crystallise” the entire SIPP pot. The remainder is still invested in 100% equities - the growth engine as you say, but it is now in a flexi access drawdown account, not a pre-retirement pot. Meanwhile, the workplace scheme is growing nicely with contributions of around £3500/yr, which is not insignificant on her modest salary. This pension is not yet “crystallised” and is also aggressively invested through the limited fund selection on that platform. You have spoken at length about pensions but my question has not yet come up, though I appreciate it may be niche. If the SIPP has been crystallised and the Workplace scheme has not, can they still be combined? Does Glynda need to take her tax free cash from her workplace scheme BEFORE transferring/combining this scheme into her SIPP for ease of management? If she opts NOT to take the tax free cash before transferring, does she lose that option? What is the point of “crystallisation”? Why is it even a thing in a world of flexi access drawdown, it seems irrelevant to me. Do platforms charge different levels of fees post-crystallisation? If so, can Glynda transfer her crystallised SIPP to a new provider if savings can be made on fees. Many Thanks, Sam 19:48 Question 4 Hi Pete and Roger, I have been an avid listener to the podcast for a long time now, probably 5 years, what a journey! Thank you for all the content you put out. Pete; I think I read your book first which put me on to the podcast, or perhaps it was the other way around, I can't remember. I'm pleased to say that when I read your book, I then went through it with a fine toothcomb and ticked off everything I needed to do! Needless to say I've been in a good situation for a while now, thanks to you, your book and this podcast. I still use a Meaningful Money Budget Spreadsheet to plan my monthly finances! I did leave a review a good while ago on the app store letting you know how Meaningful Money has helped me! I have attached a picture of my copy of your book, hope you don't mind all the post it notes! My question is surrounding Emergency Funds and what criteria we should apply as to whether something is an “emergency?” Classic things such as a broken down car, a leak in the house or the boiler breaking down are all perfect scenarios for an emergency fund. But what about other more vague scenarios? This question has come about because of my current situation. I unfortunately have a toxic boss and work environment which is affecting my mental health. It's clear I need to leave the job, as my continued attempts to change the environment and my mindset have been unsuccessful. So, I am about to hand in my resignation, in the next few weeks and just go ahead and use my emergency fund, as this detriment to my mental health cannot continue. However, there's a strong feeling inside that this isn't really what an emergency fund is for. Particularly too, as I don't have a strong exit plan. I have no other job lined up, I just need to get out of there. So what do you think? Should the fund have strict rules as to what is, and is not an emergency? I suspect your answer will be that the holder of the emergency fund decides what is and is not an emergency. That being said if there isn't strict rules surrounding it, then it would be quite easy for someone to decide a night out on the ale is an emergency due to a stressful week! Or can the rules be more “fluid” and a night down the pub is acceptable? Sorry about the pun! I'd be interested to know your thoughts. Thanks again and I look forward to hearing your response! Many Thanks, Phil 24:36 Question 5 Hi Pete & Roger Thanks for all your podcast episodes - I've been listening for years and you've saved me a lot of money through not needing to pay an advisor (thanks to your free info) and not making expensive mistakes. I'm not sure if I'm your core demographic (33yo woman in London) but find all your content useful for me, my friends, brother and parents. My question: I co-own a flat and live in it. My friend owns the other half but doesn't live with me. We have a joint residential mortgage and also have to pay a £250pm service charge and ground rent as it's a leasehold with right to manage. It's a 35yr mortgage so we get about £200pm equity and pay around £800pm interest. It's a great flat but I want to move to a larger property in a different area, initially renting as it'll take quite a long time to sell the flat (for various reasons I won't go into!). If we rent the flat out and I go and rent elsewhere, I'll be making a loss on the flat (I'm a 40% taxpayer and the rental income would cover the mortgage + service charge + agency fees but I believe I'd have to pay tax on income not profit hence the loss). There's also insurance, council registration fee, maintenance etc. Obviously I'd then pay rental money to a landlord too for the house I move to. I know property taxes have changed in recent years and I'm very supportive of landlords being taxed on profits. However, my initial research suggests that professional landlords who buy property through companies only pay tax on (company) profits whereas I'd pay tax on revenue. I'd pay 40% vs them paying corp tax (25% ish?). Is my understanding right and is there any regulation or tax relief specifically for "accidental" landlords who are also renting a home themselves rather than having a big empire of properties as a business? Also how would the tax work for co-owners, would I just pay 40% tax on half of the rental income? My friend lives abroad in case that's relevant. I know there are a lot of accidental landlords due to cladding, relationship changes etc so am hoping the question is also useful for other listeners. Thank you! Emma 32:33 Question 6 Thanks for an excellent podcast - one of the best in the personal finance space. Around 6 years ago I inherited a low 6 figure sum which I put into a GIA. Each year I have made Bed & ISA transfers to diffuse any Capital Gains and to move more of my money into a tax shelter. As we have had a strong investment environment over this period I still have a reasonable balance in the GIA. Now the government has reduced the annual Capital Gains allowance to such an extent that I expect to be unable to defuse all of my Capital Gains each year. This will limit the amount I can Bed & ISA and I expect the GIA balance to start increasing compounding the issue. To be honest I don't think this will be an unusual position to be in as you will not require an unfeasible balance in a GIA to pay CGT on "gains" solely due to inflation. My current plan is to allow the above to happen by only utilising my annual CGT allowance and not paying CGT while I am working. My question is how CGT is charged in early retirement. Lets say I stop working at 55 and don't take my pension until 57 (earliest I can). I will have no income for two years so my Personal Allowance will be unused. In this case can I make £15,570 of gains in the year before CGT? Searching online I can only find information on Basic and Higher Rate GGT and not Nil Rate. Thanks, Simon 38:43 Question 7 Hi, Love the podcast. I have some questions about pension contribution limits and tax relief. My taxable employment income for 2024/2025 is around £30k. I already contribute to a workplace pension via salary sacrifice. The total amount paid in by my employer is £12k. I am using my full ISA allowance but still have savings and investments in a GIA, not sheltered from tax and would like to pay a lump sum into a SIPP before the end of the tax year. My questions are: What's the maximum I can pay in? Is it £30k or do I have to subtract my employer workplace contributions, so only 18k? I keep finding conflicting information online! If it's 30k, does this mean I actually pay in 24k? If it's 30k, would I receive government top up on all of it, even though I didn't pay tax on the first £12,570? Does the contribution to a SIPP actually reduce my taxable income? So if I contribute the full £30k (assuming I can) is my personal allowance then unused by employment? I have savings and investments income of around £10k from my GIA. Would this then fall inside my personal allowance and no tax be due? Thanks for any help you can offer. I'm so confused with all the information online! Thanks so much for the podcast - keep up the good work. Alison
We're back with another Q&A show, with a bit of a DB Pension tilt this time, though we even get into a question on equity release. We cover lots of ground, as always - hope it's useful! Shownotes: https://meaningfulmoney.tv/QA5 00:55 As you made a request for questions I thought I'd pose this (apologies in advance for the length, feel free to trim as required): I am single, mid-forties, with no dependents (I do have some family I plan to pass wealth on to, but when they need it rather than leaving it in my estate). I'm aiming for the mystical die with zero. As a home owner, and given I'm not worried about passing it on, would it be a good idea to start drawing on the capital locked up in my home via drawdown equity release (using say home reversion) before the investments in my pension and ISAs given this is the most illiquid and concentrated of my assets? Downsizing isn't really an option to release capital (it's a two-bed semi so property doesn't get much smaller). That said equity release looks to offer rates well below the market value (apparently they want to make a profit), certainly if you're on the younger end of the eligibility spectrum. It's far from the case of selling 50% of the house and getting that amount, even spread over a number of years. I could sell the house myself and rent instead, using the released money to pay the rent (and if the money is invested, provided my rent doesn't rise egregiously, it might even stay ahead of that cost). Though there are potential issues with that approach, certainly over the long term. Are there any other ways to unlock the capital tied up in my property? Regards, Lee 10:20 Hello Pete and Roger. I work in public sector and have a decent DB pension, larger part being final salary and lesser part CARE. I will be able to commute up to 25% with a commutation factor of about 24:1. Which will give me about £180,000 depending on when I leave. Upon retirement I will seek to move most into a 100% equities investment wrapper, I'm fairly happy with proportionate risk, as my DB pension will provide a life long index linked safety net, and I will also build a bit of cash ladder of declining risk. I have recently watched your ISA v Pension comparison with keen interest. It was fascinating to see that even though a pension is taxed, the tax relief going in, offset the tax going out, and the option of having both works particularly well in terms of tax efficiency and retirement planning. I had been putting a modest amount into a S&S ISA each month for the last few years, but recently opened a SIPP and am now sending the spare cash that way for the extra tax relief. It's very satisfying seeing the “free money” coming in each month.. I can potentially retire in 2 years at 55 with an actuarial reduction or continue working until 60, or retire sometime in between. I also have a preserved DB pension that I can take at 60 from a previous employer. In the mean time I want to keep saving and investing, and will try to ramp it up for next few years. My question is – It was pretty clear from your numbers that those with a DC pot are best with both ISA & SIPP in terms of tax efficiency and flexibility, but given that my DB pension will use up all my personal tax allowance, does that swing the momentum on where to invest back in favour of an ISA over a SIPP, as other than the 25% tax free element, I would pay basic rate tax on all my SIPP drawdown. I'm sure other people with either a modest DB pension or secondary passive income could find themselves in similar quandary. ( I'm aware all could change after the next budget. ) I live up north, houses are cheap as chips, therefore IHT unlikely to be a major concern in terms of decedents. Chris 16:47 Loving the sultry combination of the north and south tones! I've been listening to the podcast for several years now, and you've given me loads of practical tips that I've been able to take forward. However, I've recently received an ADHD diagnosis, and while I earn a good salary, my impulsivity often leads to overspending, and I'm finding it difficult to maintain control over my finances. I have a monthly planner that I check regularly with the bills, so they are ok, but on spending it is always difficult, and I often dip into credit card usage. I would really appreciate any advice or practical tips you could offer for someone like me, who struggles with impulsive spending with a disability. Things like “just don't spend money” just don't work! Are there any specific strategies, tools, or approaches that can help someone with neurodiversity, particularly ADHD, to manage their money more effectively? Thanks again for the amazing content you put out. Looking forward to any guidance you can provide. Best regards, Ian 22:53 My question / suggestion relates to listeners with Defined Benefit (DB) pensions. Although they're becoming rarer, there is still a sizeable minority of people who have DB pensions. I suspect the majority of them are (or have previously been) employees in the public sector – but they'll run to quite a high number. For instance, there are 1.5 million current employees in the NHS, half-a-million Civil Servants, half-a-million teachers, Police, Fire Fighters etc etc. Double that to allow for all the former employees, plus those with DB pensions in the private sector, and you're talking decent numbers. I've learned a lot over recent years from your Podcast, but there have been a number of occasions where you've alluded to the fact that financial planning advice might differ for folk with DB pensions. One example might be the topic of opening a separate SIPP (in addition to the DB pension) to supplement retirement income (or to fund early retirement) or to move money outside the person's estate. Another example might be the balance of ISA versus Pension: with some DB schemes, the benefit of “topping-up” is reduced compared with those in DC pensions. In many cases the employer isn't adding “free money” to your pot, so for many there may be more reason to lean towards ISA contributions. Another difference might be the topic of investment risk – if someone with a DB pension has a guaranteed inflation-proof income in retirement, might they be wise to consider higher risk investments? And certainly without the dreaded “profiling”. Another example (as alluded to earlier) might be in Estate Planning: with a DB pensions, there's no “pot” of invested money lying outside one's estate, so there's no IHT advantage. I realise this might amount to more than just a 5-minute topic for your Q&A edition, but I think you'd have enough listers to make a whole episode for DB pension recipients. What to you reckon? Thanks for all the great advice. Best wishes, Dr Pete 29:43 Thank you for all of your support over the years through the podcast and YouTube. I work for the NHS which is very tough at the moment but it does give me the benefit of a defined benefit pension when I get there. I am 35 years old but am wanting to make sure I am saving enough for retirement but also to make sure that I have enough for my children to support them through university and starting life! My wife is a fantastic stay at home Mum. We are aiming to have the “comfy” level of retirement at £58000 that you have previously mentioned which should give us some capacity to support the children! I earn £58000 plus about £7000 as a side hustle. I save into my NHS pension, save about 50% of the side hustle income into a SIPP, and save around £400 into a S&S ISA and £200 into cash savings each month. There are lots of examples about how much you should save but I haven't found anything when you are part of the NHS/other DB pension. Am I saving enough, or too much? I don't want to miss out on life now by over saving! Thanks, Alex 36:13 Enjoying listening to another excellent podcast where I heard the shout out for questions. One I had is “what's the best tax efficient way to save for kids futures? I started going down the path of saving into JISA's, but then didn't like the idea of being unable to access the money on their behalf, or them to do so before 18. I contribute to premium bonds, but theoretically that will be capped at £50k (here's hoping!). Any other obvious good suggestions?” Thanks & keep it up, continue to love the show. Cheers, Chris
Inheritance tax - it's something that's become a hot topic in recent months, following the government's proposals to make some changes to how it works, which will lead to more people facing a bill. It's often an emotive subject, but is also a complex one, with lots of rules that determine how and when inheritance tax is charged. In this episode Which? Money Editor Jenny Ross and Director of Public Policy at AJ Bell, Tom Selby discuss how inheritance tax works, how you can potentially avoid it, and whether you need to worry about it at all. Read more about the ways to avoid paying IHT & sign up to our free weekly Money newsletter. Become a Which? Money member and receive a special gift - offer ends 16 February 2025. Get 50% off a Which? membership.
For the Isle of Man Creamery (to sample some of their cheese) visit - The Isle of Man's leading dairy farmers - Isle of Man Creamery Meet the Farmers is produced by RuralPod Media, the only specialist rural podcast production agency. Please note that this podcast does not constitute advice. Our podcast disclaimer can be found here. About Ben and RuralPod MediaBen Eagle is the founder and Head of Podcasts at RuralPod Media, a specialist rural podcast production agency. He is also a freelance rural affairs and agricultural journalist. You can find out more at ruralpodmedia.co.uk or benjamineagle.co.uk If you have a business interested in getting involved with podcasting check us out at RuralPod Media. We'd love to help you spread your message. Please subscribe to the show and leave us a review wherever you are listening. Follow us on social mediaInstagram @mtf_podcastTwitter @mtf_podcastWatch us on Youtube here
We digest and discuss the changes outlined in the 2024 Budget affecting inheritance tax, estates and planning strategies. We take a look at the impact on businesses, farming and pensions. In this podcast, Harriet Betteridge from our Private Client Team speaks to Alexandra Ottridge at Level about the 2024 Autumn Budget and its impact on estate planning, inheritance tax (IHT) and succession strategies. The Level Group are a lending firm providing finance for family and probate proceedings. Harriet outlines key points from the Budget including the freezing of IHT (inheritance tax) thresholds until 2030, the relief on business and agricultural property being capped from April 2026 and the introduction of IHT on pensions from April 2027. Harriet provides crucial takeaways and solutions to navigate these changes such as the need for early estate planning, life insurance and probate loans to manage the higher tax liabilities, as well as planning ahead by reviewing of wills, updating of pension nominations and taking advice on tax-efficient structures.
We've all seen the headlines but how do the changes in the Budget present an opportunity for advisers to help their clients with their tax planning? On this podcast, which qualifies for 30 minutes CPD, editor Simoney Kyriakou is joined by Jack Rose, head of sales for Triple Point, and Diana French, the retail strategy director. By the end of this 30 minute podcast, you should be able to: Outline the biggest changes to tax policy from the Budget; explain how the changes affect IHT planning; and describe some of the ways that VCTS are being used for investment portfolios. Hosted on Acast. See acast.com/privacy for more information.
Farmers Guardian head of news and business Alex Black, chief reporter Rachael Brown and news reporter Jane Thynne discuss the big news stories of the week. The team look at the latest analysis from AHDB stating more than 42,000 farms will be affected by the change to Inheritance Tax, the latest on the political situation on IHT and the Government decision to withdraw the neonicotinoid Cruiser SB.Message us
In this episode of V-FM Pensions, hosts Darren and Nico chat to CEO of Smart UK, Jamie Fiveash. Jamie is a DC and master trust expert, is on the PLSA Board, and has had the pleasure of being Darren's boss, not once, but twice.... As it's our 101st episode (finally we've got a new numbering system...) we play a little game of Room 101... what will our guest and hosts consign to history (hint: first Brexit rant of the year from Darren)? Given the timing of the episode we had to talk about Trump.... but we spend most of our time chatting DC, productive finance, scale and consolidation, pensions reform and IHT. We find out how Jamie got into pensions and, of course, ask what value for money means to him.
This week - is Inheritance Tax about to move from being a rich person's problem to something many more ordinary people have to worry about? Planned changes are expected to significantly widen the net of Inheritance Tax. Will you be affected and where will IHT hit hardest? That's the focus today, as well as the latest ups and downs in markets. Host, Ed Monk, and his occasional guests provide a well-balanced take on the latest financial developments together with expert insights to help you grow your capital, manage your investment portfolio and make the most of the money markets. Popular for its jargon-free approach, clear analysis and fresh perspective, The Personal Investor podcast helps shine a light on the latest market developments for the savvy UK investor.See omnystudio.com/listener for privacy information.
Send us a textIn our latest podcast episode, we sit down with Rob May from SPF Private Clients to discuss how life insurance can be a powerful tool for inheritance tax planning. Rob shares valuable insights on:Scenarios where life insurance is used to protect against IHT exposuresOptimal timing for taking out life insurance policiesRecent changes to IHT legislation and their impact on clientsPractical considerations when arranging life insurance coverageTune in now to get the expert advice you need to safeguard your family's wealth.
Inflation's spell below the Bank of England's 2 per cent target has been brief and the latest CPI figure came in at a higher than expected 2.3 per cent. Meanwhile, Bank of England boss Andrew Bailey has joined the Office of Budget Responsibility in stating that the recent Autumn Budget is likely to lift inflation, as employers face higher costs from national insurance and the rising minimum wage. On the other side of the Atlantic, President-elect Donald Trump is seen as bringing his own inflationary pressure, which could spread from the US to the rest of the world. So what does this mean for interest rates? Are cuts about to stall - and what happens next for borrowers and savers? On this week's podcast, Georgie Frost, Helen Crane and Simon Lambert, talk inflation, rates, mortgages and savings. The team also look at whether those needing to get a mortgage now should fix for two or five years. Plus, why the row over inheritance tax and farmers is symptomatic of Britain's bad tax system - and Simon's plan for a trade-off on IHT-free land. Crane goes on the case of money refunded ffor a faulty coffee machine much later to an empty gift voucher that had understandably gone in the bin. And finally, the listener question of the week is up and running, and it's one on sticking it to the man and having enough money to quit work for good.
Crypto has been a little quiet of late. Out of the spotlight, minding its own business. But Donald Trump gets voted back in as US president and boom - bitcoin surged beyond $90,000 for the first time. The rest of the crypto market has also seen a boost, so what's going on? Where is it likely to head next and what do you need to be aware of if you are cashing out your gains? Simon Lambert, Lee Boyce and Georgie Frost delve into bitcoin and friends to give their verdict. The number of Isa millionaires has soared, with a 228% jump of investors joining the club in just two years. And there are 25 of them who hold an average of £8.9million. Just how do you build such a big pot? Britain's first Isa millionaire, Lord Lee, gives his three tips. Fresh from her Budget speech, the Chancellor has announced plans to use our pension savings to boost economic growth by creating megafunds. Just what are they? We tackle an tricky question about IHT and giving away a home. And finally, Lee's Collecting Corner is back... this time, he reports from a trading card, and reveals two Paddington themed treasures sent in by readers... a 50-year-old stuffed toy, and a limited edition signed print snapped up at a charity shop for just £30.
Nick is joined by RTE and Racing TV broadcaster Jane Mangan to discuss the latest from around the racing world. They are joined first today by Tweenhills Stud supremo David Redvers, who has been outspoken in his criticism of the government's IHT plans for farms and family businesses. Also today, HM Representative (Ascot) Sir Francis Brooke joins the show to talk about the Royal link with Ebony Horse Club, the new Berkshire Winter Millions, plus plans for his own horse Chianti Classico. Gerald Mosse chats to Nick about his first winner as a trainer, while Martin and Sammy Jones are this month's Overbury People and Graham Budd has a tremendous offering of memorabilia to share in association with Weatherbys and the National HorseRacing Museum.
Nick is joined by RTE and Racing TV broadcaster Jane Mangan to discuss the latest from around the racing world. They are joined first today by Tweenhills Stud supremo David Redvers, who has been outspoken in his criticism of the government's IHT plans for farms and family businesses. Also today, HM Representative (Ascot) Sir Francis Brooke joins the show to talk about the Royal link with Ebony Horse Club, the new Berkshire Winter Millions, plus plans for his own horse Chianti Classico. Gerald Mosse chats to Nick about his first winner as a trainer, while Martin and Sammy Jones are this month's Overbury People and Graham Budd has a tremendous offering of memorabilia to share in association with Weatherbys and the National HorseRacing Museum.
James Quarmby interviews Lord Harrington, former trade minister and now advisor on foreign direct investment to the current government, to discuss the political background to the Budget and what's likely to happen next. Expect a wide-ranging discussion covering internal Labour politics, the CGT and IHT rises and why the Chancellor announced all-out war on non-doms.
Press reporting suggests a substantial hike in employers NICs could be announced on this coming Wed 30 Oct's budget. I crunch some numbers, which demonstrate that retail and especially hospitality could be facing significant falls in profit, hence maybe best avoided until the dust has settled?Expect carnage if they cut AIM's IHT exemption, or a big rebound if they don't! Place your bets ...Lots of companies reporting again, with 5 profit warnings, 8 GREENs (things we like the most), and 7 AMBER/GREENs (moderately positive).As always, please remember I'm only giving my personal, fallible opinions here. You must do your own more detailed research, and not rely on my views, as they will sometimes be right, but sometimes wrong, and nobody knows what the future holds. Hosted on Acast. See acast.com/privacy for more information.
In this Money Tips Podcast: Inflation has fallen from 11% to 2.2% yet the Bank of England base interest rate remained at 5%. Energy prices will rise by 10% in October – time to fix your deal. “Painful budget” could see higher capital gains (CGT) and inheritance (IHT) taxes, the end of the single persons council tax discount and a possible wealth tax. Section 24 landlord tax forcing landlords to rethink buy-to-let, but the is a solution. Protect your assets. Watch video version - https://youtu.be/Tq1P2UbYp4A Labour Hint Of Wealth Tax, Higher Inheritance and Capital Gains Taxes And “Painful” October Budget Concerns over potential tax hikes, as the Labour Party hints at plans to raise Inheritance Tax (IHT), Capital Gains Tax (CGT), and even introduce a wealth tax, are already causing an exodus of the rich. Watch full video version - https://youtu.be/P0WTdbIAuks How will Labour's new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party's Renters' Rights Bill 2024 is poised to bring significant changes to the UK's rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 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 #finance #moneytraining #moneymanagement #wealth #money #marketing #sales #debt #leverage #property #investment #Homeownership #financialplanning #moneymanagement #financialfreedom #section24tax #financialindependenceretireearly #RentersRightsBill #BuyToLet #LandlordLife #UKPropertyMarket #TenantsRights #RentalProperty #PropertyInvestment #LandlordChallenges #RentControl #PropertyStandards #UKProperty #PropertyInvestment #RentToRent #JointVenture #NoMoneyDown #PropertySourcing #CharlesKellyMoneyTips #FinancialFreedom #PropertyDeals #bankofengland
Send us a text1. Labour's Inheritance Tax Overhaul: Reform or Tax Grab?
Hundreds of thousands of disabled pensioners will be unfairly impacted by the cut in Winter Fuel Payment, according to two leading charities who've spoken exclusively to Money Box. Disability Rights UK and Age UK have both told us that disabled pensioners often have higher energy bills because of medical needs and sharp cuts to the number of people receiving the payment will disproportionally affect them more than others. The government says it's committed to giving pensioners the dignity and security they deserve in retirement but says given the state of the public finances its inherited it's right that it targets support to those who need it most. It says its protecting disabled pensioners through extra disability benefits such as Attendance Allowance, Disability Living Allowance and Personal Independence Payments. And that over a million pensioners will also continue to receive the Winter Fuel Payment and those on the full new State Pension will receive over £400 boost through the triple lock. How might the Chancellor target Inheritance Tax in the upcoming Budget? Latest figures show that the government received a record £7.7 billion from IHT in the 12 months to July, up over 5% on a year before. And, what can be done to encourage self-employed people to pay into a pension? Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 14th September 2024)
Wealth Club investment manager Nicholas Hyett speaks with Proactive's Stephen Gunnion about the potential repercussions of removing inheritance tax (IHT) relief from AIM-listed investments. Hyett expressed concerns about the possible impact on the UK's ability to retain its fast-growing companies, highlighting that removing IHT relief could lead to both short-term market volatility and long-term valuation challenges. Hyett emphasised the importance of IHT-seeking investors in the AIM ecosystem, noting that these investors provide stability to maturing companies. “If you take away that investor base, you not only disrupt the whole flow of companies through AIM, but you also potentially make it a lot harder to raise money,” he explained. According to Wealth Club's research, non-IHT small company funds also play a vital role in supporting AIM, dispelling the myth that only wealthy, tax-focused investors would be affected by this policy shift. Hyett warned that reduced IHT relief could increase capital costs for AIM companies, further intensifying the risk of them relocating overseas. He also cited a recent downturn in AIM IPOs, partially attributed to this uncertainty. Summing up the potential damage, he stated, “I think it's inevitable… short-term volatility and long-term lower valuations.” For more insights into AIM's future, like this video, subscribe to Proactive's channel, and turn on notifications to stay informed about the latest financial market developments. #WealthClub #NicholasHyett #AIMMarket #IHTRelief #SmallCapInvesting #UKInvestments #MarketVolatility #InheritanceTax #AIMInvestors #FinanceInsights #ProactiveInvestors #invest #investing #investment #investor #stockmarket #stocks #stock #stockmarketnews
Prime Minister Sir Kier Starmer and Chancellor Rachel Reeves say “thing will get worse”, and refuse to rule out a “painful” October Budget. Concerns over potential tax hikes, as the Labour Party hints at plans to raise Inheritance Tax (IHT), Capital Gains Tax (CGT), and even introduce a wealth tax, are already causing an exodus of the rich. Watch full video version - https://youtu.be/P0WTdbIAuks The prospect of higher taxes under a Labour government is causing unease among property owners and investors alike. Inheritance Tax is a particular area of concern, as Labour has suggested that the current threshold could be lowered, increasing the tax burden on estates. Currently, IHT is levied at 40% on estates worth over £325,000, but this could change, leading to more families being caught in the tax net. Capital Gains Tax is also on Labour's radar, with proposals to align CGT rates more closely with income tax rates. This could see higher earners paying significantly more on profits from property sales, stocks, and other investments. Additionally, Labour's discussions around a potential wealth tax are causing further anxiety. Such a tax would target the richest individuals, potentially impacting those with significant property holdings, investments, and savings. As the political landscape evolves, investors and property owners are advised to stay informed and consider their options carefully. Whether you're thinking of selling, buying, or holding onto your assets, understanding how these potential tax changes could affect you is crucial. How will Labour's new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party's Renters' Rights Bill 2024 is poised to bring significant changes to the UK's rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 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 For more insights into how to navigate these uncertain times, keep an eye on market trends and consult with a financial advisor to plan effectively for the future. #PropertyMarket #TaxChanges #InheritanceTax #CapitalGainsTax #WealthTax #LabourParty #UKProperty #FinancialPlanning #equityrelease #section24tax #kierstarmer #finances #moneytraining
Prime Minister Kier Starmer says “thing will get worse”, warning of a “painful” October Budget. The UK property market is showing signs of resilience with a 14% increase in new property listings compared to last year. However, the optimism is being tempered by concerns over potential tax hikes as the Labour Party hints at plans to raise Inheritance Tax (IHT), Capital Gains Tax (CGT), and even introduce a wealth tax. The surge in property listings can be attributed to homeowners looking to capitalize on the current market conditions before any potential tax changes come into effect. With interest rates remaining relatively low and demand for housing still strong, many are taking the opportunity to sell. However, the prospect of higher taxes under a potential Labour government is causing unease among property owners and investors alike. Inheritance Tax is a particular area of concern, as Labour has suggested that the current threshold could be lowered, increasing the tax burden on estates. Currently, IHT is levied at 40% on estates worth over £325,000, but this could change, leading to more families being caught in the tax net. Capital Gains Tax is also on Labour's radar, with proposals to align CGT rates more closely with income tax rates. This could see higher earners paying significantly more on profits from property sales, stocks, and other investments. Additionally, Labour's discussions around a potential wealth tax are causing further anxiety. Such a tax would target the richest individuals, potentially impacting those with significant property holdings, investments, and savings. As the political landscape evolves, property owners are advised to stay informed and consider their options carefully. Whether you're thinking of selling, buying, or holding onto your assets, understanding how these potential tax changes could affect you is crucial. How will Labour's new Renters Rights Bill 2024 affect buy-to-let landlords? The Labour Party's Renters' Rights Bill 2024 is poised to bring significant changes to the UK's rental market, impacting both tenants and buy-to-let landlords. Understanding these changes is crucial for landlords to navigate the evolving landscape effectively. Watch video version - https://youtu.be/Wx1HXgVW1bM Section 24 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 For more insights into how to navigate these uncertain times, keep an eye on market trends and consult with a financial advisor to plan effectively for the future. #PropertyMarket #TaxChanges #InheritanceTax #CapitalGainsTax #WealthTax #LabourParty #UKProperty #FinancialPlanning #equityrelease #section24tax #kierstarmer #finances #moneytraining
Helen Knight looks at some of the potential changes Rachel Reeves might announce at the Autumn Budget on 30 October 2024.For more information on this topic and more, please visit www.mercia-group.com for further details.
Inheritance tax- punches above it s weight. It is paid by only a small minority of estates, yet manages to be Britain's most hated tax and its most controversial. Some believe it's immoral double taxation and should be axed altogether, others say crank it up - and somewhere in the middle there are many people who feel that taking 40 per cent is just too much. But it's also a tax that even those with an expensive home and plenty of savings can generally avoid if they choose, by spending more and giving more away in their lifetime. The problem is that they need to survive seven years or they may get caught by some very outdated gifting allowances. Yet, there is a little-known loophole that allows people to give away considerably more without worrying about the seven-year rule. On this podcast, Georgie Frost, Lee Boyce, Simon Lambert look at inheritance tax and the surplus income rule. They discuss this trick to beat death duties and the catches it comes with and all the other rules surrounding IHT. Also on this week's show: noisy heat pumps, the British Isa meets its maker and our failure to support the high streets that we moan about dying.
We often consider inheritance tax one of life's unavoidable topics. Accordingly, we need to understand how it works and learn some basic strategies to minimise its impact. In this episode of the "I Hate Numbers" podcast, we explain what IHT is, how it applies, and share simple tips on planning effectively to avoid paying it.What is Inheritance Tax?Inheritance tax in the UK is a tax on the estate of someone who has passed away. It includes the property, money, and possessions left behind. When the value of the estate exceeds the "nil rate band" threshold of £325,000 per individual, we must pay IHT. However, if the estate value stays below this amount, we avoid paying inheritance tax. Any amount above £325,000 is taxed at 40%.Key Factors to ConsiderFirstly, we need to recognise that every individual has an estate. This estate may include your home, savings, shares, and personal items, all of which contribute to the total value. When someone passes away, we calculate the estate's value, and any amount over the nil rate band will be subject to IHT. However, we can take advantage of reliefs and exemptions to reduce the tax burden.Reduce or Avoid Inheritance Tax with PlanningTo reduce or avoid inheritance tax, we must plan ahead. One effective strategy is to make lifetime gifts. When we give gifts to beneficiaries and survive for at least seven years after, we ensure these gifts are exempt from inheritance tax. Moreover, leaving everything to your spouse or civil partner also helps avoid IHT and transfers your nil rate band. Additionally, we can make use of small annual gifts, like £3,000, which remain exempt from tax.ConclusionWhen we plan effectively, we can minimise or avoid inheritance tax altogether. We encourage you to act now to make informed decisions that will benefit your loved ones. Also, listen to the "I Hate Numbers" podcast for more insights on financial planning.This podcast uses the following third-party services for analysis: Chartable - https://chartable.com/privacy
In this ITB Snax episode Harriet Brown discusses the three hot topics of the day in UK tax. Hot on the heels of their election victory the new Labour Government have released policy papers and calls for evidence for reforms of the IHT system, Carried Interest, Non- Dom and VAT on school fees. This episode is our first reaction to these important proposals... we are both sure we'll be talking about this again!
Hi everyone, I am back with a short episode focused upon how you can protect against IHT with life insurance. Huge disclaimer from the start I am not a full financial adviser and there are lots of ways to do estate planning, I am just giving insight into how life insurance can work.The key takeaways:With a joint life second death policy one of your clients might be declinable, BUT, they can still be covered by the insurance.Two case studies to show the price difference for joint life second death whole of life, depending upon age.Cautionary tale about HMRC and terminal illness benefits.Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.
【节目简介】他收购了宾利、兰博基尼和布加迪；他用平台化彻底打通了所有品牌的研发；他同时造出了最快量产车和最省油量产车；本期《孤岛车谈》继续回顾终极德味汽车教父皮耶希，一个把汽车工程、赛车工程都做到极致的终极车迷。【话题成员】罗新雨 底盘电子系统工程师down哥 前一汽大众工程师，现CAE工程师冯金钊 前轮胎工程师，现合资车企产品规划陆风鸣 社科教授，汽车爱好者罗新雨个人微博@大众风Volkswind陆风鸣个人微博@Patrick小白down哥个人微博@downright剪辑 罗新雨片尾曲 Speak Softly, Love (from 'The Godfather') by Andy Williams (1972)【时刻文稿】2:39 洛佩兹间谍案8:17 大众集团品牌向上：98年收购宾利、兰博基尼15:40 大众品牌向上的顶点：布加迪19:05 大众多品牌战略能赚钱的基石：平台化36:12 冯金钊的电动高尔夫E-Golf和越级的平台化优势47:29 捷达独立品牌的逻辑：大众平台化的劣势51:57 皮耶希和捷达王20V59:55 铁腕和3mm钣金匹配1:06:00 皮耶希 VS 丰田章男1:10:58 终极节油车项目1L、L1、XL1【参考链接】1.Jose Ignacio Lopez上任大众二把手（英文，1993）：https://www.nytimes.com/1993/03/17/business/having-wrested-him-away-vw-names-gm-man-no-2.html2.通用汽车起诉Jose Ignacio Lopez是大众汽车的商业间谍（英文，1996）：https://www.nytimes.com/1996/03/09/business/worldbusiness/IHT-gm-revives-attack-on-volkswagen-over-lopez-affair.html3.欧宝董事会主席David Herman对起诉Lopez是商业间谍的陈述（英文，1993）：https://www.youtube.com/watch?app=desktop&v=w7Khl09UJqs4.皮耶希关于欧宝起诉的回应（德文，1993）：https://www.youtube.com/watch?v=3iI14c6qYNk5.A8得叫爹！一起来看全球仅271辆的加长版奥迪V8（中文，2023）：https://www.bilibili.com/video/BV1Nu411e7A8/?spm_id_from=333.788.recommend_more_video.-1&vd_source=d7fdf67463c20c33399320ab5301ac536.廖佳驾驶捷达GTX横穿亚欧大陆（中文，2001）：https://auto.sina.com.cn/news/2001-07-24/11819.shtml7.余承东买车历史（中文，2022）：https://www.sohu.com/a/540107269_1512848.Ferdinand K. Piech 2014 Induction Video（英文，2014）：https://www.youtube.com/watch?v=CClPZ1TLtUU9.丰田章男驾驶GR Yaris拉力赛车时翻车了（视频）（日文，2024）：https://www.youtube.com/watch?v=lnKIigW22ig&t=739s10.丰田章男驾驶GR Yaris拉力赛车时翻车了（视频）（英文，2024）：https://www.motor1.com/news/722857/toyota-chairman-crash-gr-yaris/11.纽约时报给皮耶希写的讣告（英文，2019）：https://www.nytimes.com/2019/08/26/business/ferdinand-piech-dead.html12.一汽大众原总经理陆林奎的两段采访，其中都谈到过皮耶希：https://m.sohu.com/a/277104391_126781/?pvid=000115_3w_a；https://m.youcheyihou.com/news/252774
Hi everyone, I am talking about a very emotive topic today after being approached on social media as to how insurers view assisted dying. With recent debates on passing assisted dying laws in the Scottish and Isle of Man governments, it is something that is likely to be discussed by UK insurers at some stage.I have been very clear not to provide an opinion about whether assisted dying should and shouldn't be allowed, instead focusing on the facts of how the majority of life insurance policies in the UK would behave if a claim was made following someone choosing to die due to their health. At the end of the episode I include some details of support services that you can reach out to, if you have found the discussion difficult to listen to.The key takeaways:The majority of insurers in the UK offer life insurance with an initial 12 month suicide exclusion In Canada where assisted dying is possible, the insurers do not consider death through these means to be suicideIn countries where assisted dying is allowed physical and mental health conditions ca be viewed differentlyNext time I will be back and focusing upon protection insurance planning when you have an IHT liability. There's some specific do's and dont's that can make huge differences to how life insurance claims pay out.Remember, if you are listening to this as part of your work, you can claim a CPD certificate on our website, thanks to our sponsors Octo Members.If you want to know more about how to arrange protection insurance, take a look at my 13 hour CPD Protection Insurance in Practice course here and 1 hour CPD Protection Competency Exam here.
Matthew and Cyra take you through the basics of IHT and what to look out for. Join Sanay, Cyra, Max, and Matthew on: 'What Medical School Doesn't Teach Us'. Every week we'll be discussing either tips for medical students, careers, entrepreneurship, or wellbeing with a whole host of guests! Reach out here - medschoolpod@medicsmoney.co.uk Download our ebook here: https://www.medicsmoney.co.uk/what-medical-school-doesnt-teach-us/ Check us out here: https://linktr.ee/msdtu
Rob talks about the potential introduction of inheritance tax and stamp duty cuts in the upcoming autumn budget, speculating on the impact these cuts could have on the housing market, with the possibility of stimulating demand and increasing prices. KEY TAKEAWAYS There are rumours that inheritance tax and stamp duty cuts could be introduced in the upcoming autumn budget, which could potentially impact the housing market. The introduction of inheritance tax cuts could be beneficial for many individuals, as it can help avoid unexpected tax burdens. The potential cuts in stamp duty could stimulate the housing market by boosting demand and potentially increasing prices. However, the effectiveness of stamp duty cuts in stimulating the housing market may be limited due to other economic factors such as mortgage costs and legal fees. BEST MOMENTS "There's some murmurings at the moment, apart from David Cameron being back in office which has surprised a lot of people." "Inheritance tax cuts could be introduced... Sometimes you can get stumped by IHT without even realising." "Stamp duty cuts will be quite interesting if they were to happen... that could give the housing market a bit of a boost." VALUABLE RESOURCES GET YOUR DEVELOPMENT FINANCE HERE: https://propertyfundingplatform.com/WharfFinancial#!/borrowerinitialregistration SOVEREIGN MAN PREMIUM INTELLIGENCE MEMBERSHIP https://dash.sovereignman.com/a/smc12m995/tpnpodcast SOVEREIGN MAN 4th PILLAR https://dash.sovereignman.com/a/4pmain/tpnpodcast ABOUT THE HOST Rob Smallbone is the author of the Amazon best-seller Buy-To-Let: How To Get Started as well as 101 Top Property Tips and Property FAQ's. BOOKS Property FAQs = https://amzn.to/3MWfcL4 Buy To Let: How To Get Started = https://amzn.to/3genjle 101 Top Property Tips = https://amzn.to/2NxuAQL WHERE TO FIND US https://linktr.ee/thepropertynomadspodcastuk property, Investment, Property, Rent, Buy to let, Investing for beginners, Money, Tax, Renting, Landlords, strategies, invest, housing, properties, portfolio, estate agents, lettings, letting, business: https://patreon.com/tpnpodcastThis show was brought to you by Progressive Media
Welcome to the podcast, where we sit down with Matt Robins, Vice President of the IHT Group, to explore the latest developments in the agricultural industry. Revolutionizing Swine Heating Technology: IHT Group proudly unveils the next generation of Hog Hearth Heat Mats, a breakthrough in heating technology for the swine industry. These innovative mats, packed with cutting-edge features, aim to enhance cost-efficiency, elevate safety standards, and ensure unmatched durability. Unveiling the New Facility: Delve into the why, what, where, and how behind the recent launch of IHT Group's state-of-the-art facility. Explore the significance of this new development for customers and how it aligns with IHT Group's commitment to excellence. Future Ventures of IHT Group: Gain insights into the exciting prospects on the horizon for IHT Group. Discover the company's vision for future projects and innovations in the agricultural landscape. Elevating Customer Service: Matt sheds light on IHT Group's commitment to improved customer service. Explore the meaning of customer service from Matt's perspective and delve into the cultural ethos that drives IHT's dedication to customer satisfaction. Winter Heating Tips for Producers: As we approach the winter season, Matt shares valuable advice for producers navigating heating challenges. Gain practical insights to optimize heating strategies and ensure the well-being of livestock during colder months. Join us as we uncover the latest from IHT Group and explore the dynamic landscape of agricultural innovation with Matt Robins. http://www.ihtgroup.ca
Speak, even when your voice shakes, and you feel like rage crying. This special episode provides greater historical context to Israel and Palestine, elevates voices on the frontlines of the humanitarian crisis, demands an immediate ceasefire and a united global democratic alliance to end the genocide of Palestinians, and amplifies the calls for a political solution. The crisis cannot be solved militarily. The bombs raining down on the open air prison of Gaza is a genocide–another Nakba, the Arabic word for “catastrophe”–which in 1948 saw the brutal mass forced displacement of around a million Palestinians with the founding of Israel. We're witnessing the long awaited war by indicted corrupt criminal and Putin ally Benjamin Netanyahu, Israel's longest serving prime minister, desperate to cling to power, even if that means turning Israel into another theocratic dictatorship in the region. The racist, genocidal movement that assassinated former Israeli Prime Minister Yitzhak Rabin for signing the Oslo Accords, a path towards peace and potentially a two-state solution, brought Netanyahu to power. And now his government of Stephen Millers is determined to finish off Palestinians, mass-murdering several thousands, including a significant number of children. Secretary of State Antony Blinken published a call for a ceasefire on Twitter, only to delete it after Republicans protested. That and more of the US response, what it means for the civilians on both sides of the conflict, the US election and more are discussed in this extra furious episode. This week's bonus episode will include answers to questions submitted by listeners subscribed at the Democracy Defender level and higher, and a special on-the-ground look at the upcoming Virginia state elections and the recent voter-purge by Governor Glenn Youngkin. To get access to that, support the show at the Truth-teller level or higher on Patreon by subscribing at Patreon.com/Gaslit! Thank you to everyone who supports the show – we could not make Gaslit Nation without you! Show Notes: Audio Clips: Ali Velshi on Israel's apartheid of Palestinians: https://www.youtube.com/watch?v=gKkjPtleWEU Israeli settler steals the home of a Palestinian woman in East Jerusalem: https://www.youtube.com/watch?v=FzO9KhXhiik Doctors without Borders: A doctor in Gaza https://twitter.com/MSF_USA/status/1713396854711296310 Watch Sands of Sorrow featuring Dorothy Thompson (1950) https://www.un.org/en/exhibits/page/watch-video-%E2%80%93-long-journey Former MI6 chief Sir Alex Younger says that there is no military solution to Israel/Palestine: https://twitter.com/BBCr4today/status/1712482696700842096?t=eJ1GfsWrLzCoNDfj9o-tAg&s=19 A 19 year old survivor of the Hamas massacre blamed Netanyahu, demands a political solution: https://twitter.com/BenzionSanders/status/1713255988608848069 Israel's Ambassador to the UK denies there's a humanitarian crisis in Gaza: https://twitter.com/SaulStaniforth/status/1713811260662255910?t=R8v3bQH4QwP7K5Udf7ivgQ&s=19 Israeli journalist harassed in Tel Aviv for calling for peace: https://twitter.com/orlybarlev/status/1713323223218082255 Peaceful Israeli protest broken up by police: https://twitter.com/NTarnopolsky/status/1713311362242216151?t=qB2TwZzYQJ6IU4VdKQpQWg&s=19 Yuval Noah Harari on Christiane Amanpour https://twitter.com/amanpour/status/1712538821923885287?t=GgwX7j8W-Q09JJ7P3ZuZzA&s=19 Closing clip: An Israeli who lost his parents calls for an end to the war: https://twitter.com/helenachumphrey/status/1713747777195307130?t=tmxkpSAsINT2F5nEkRalzQ&s=19 The Middle East Crisis Factory: The Iyad El-Baghdadi Interview https://www.gaslitnationpod.com/episodes-transcripts-20/2021/4/8/the-middle-east-crisis-factory-the-iyad-el-baghdadi-interview Indicted Criminal Netanyahu Starts a War to Cling to Power https://www.gaslitnationpod.com/episodes-transcripts-20/2021/5/19/indicted-criminal-netanyahu-starts-a-war-to-cling-to-power Peter Beinart, NYT: “Most of Gaza's residents aren't from Gaza. They're the descendants of refugees who were expelled, or fled in fear, during Israel's war of independence in 1948. They live in what Human Rights Watch has called an “open-air prison,” penned in by an Israeli state that — with help from Egypt — rations everything that goes in and out, from tomatoes to the travel documents children need to get lifesaving medical care. From this overcrowded cage, which the United Nations in 2017 declared “unlivable” for many residents in part because it lacks electricity and clean water, many Palestinians in Gaza can see the land that their parents and grandparents called home, though most may never step foot in it.” https://www.nytimes.com/2023/10/14/opinion/palestinian-ethical-resistance-answers-grief-and-rage.html Netanyahu Is Losing the War at Home Incompetence against Hamas and indifference to Israeli suffering has the public boiling over. https://nymag.com/intelligencer/2023/10/in-the-israel-hamas-war-netanyahu-is-losing-at-home.html The Real Dividing Line in Israel-Palestine https://www.project-syndicate.org/commentary/israel-palestine-hamas-and-hardliners-against-peace-by-slavoj-zizek-2023-10?barrier=accesspaylog Israel is ordering Gazans to flee south. But they're bombing us here too. Refugees from the north are already arriving in Khan Younis, where the missiles never stop and we're running out of food, water, and power. https://www.972mag.com/gaza-flee-south-khan-younis/ Ukraine and Israel both must face a Russian foe https://www.nydailynews.com/2023/10/16/ukraine-and-israel-both-must-face-a-russian-foe/ The Massacre in Israel and the Need for a Decent Left https://www.nytimes.com/2023/10/12/opinion/columnists/israel-gaza-massacre-left.html The Secrets Hamas Knew About Israel's Military: Hamas gunmen surged into Israel in a highly organized and meticulously planned operation that suggested a deep understanding of Israel's weaknesses. Here is how the attacks unfolded. https://www.nytimes.com/2023/10/13/world/middleeast/hamas-israel-attack-gaza.html Journalist casualties in the Israel-Gaza conflict https://cpj.org/2023/10/journalist-casualties-in-the-israel-gaza-conflict/ Israeli journalist Israel Frey attacked by far-right Israeli extremists in Tel Aviv for calling for an end to the war https://twitter.com/Ha_Matar/status/1713476098976047267?t=qmoRLraXDE8Ynm7OeSDVuw&s=19 6 Year Old Palestinian-American Boy Stabbed 26 Times by White Landlord https://abc7chicago.com/joseph-czuba-will-county-news-plainfield-murder-boy-stabbed/13921802/ 2022 Saw Highest Number of Palestinians Killed in West Bank by Israeli Forces Since Second Intifada https://www.haaretz.com/israel-news/2023-01-04/ty-article-magazine/.premium/2022-saw-highest-number-of-palestinians-killed-by-israeli-forces-since-second-intifada/00000185-7cf9-d464-a197-fefb0f290000 Hamas starting to 'understand the severity of their situation,' says negotiator https://www.youtube.com/watch?v=Gg6LzfDHg3U How False Testimony and a Massive U.S. Propaganda Machine Bolstered George H.W. Bush's War on Iraq https://www.democracynow.org/2018/12/5/how_false_testimony_and_a_massive Channel 4 News: "Where is people's humanity?" Scottish First Minister Humza Yousaf has shared his mother-in-law's “last video” from Gaza, as Israel warns Palestinians to evacuate northern Gaza ahead of an anticipated ground offensive. https://twitter.com/Channel4News/status/1712791120357236821?t=4_iUv0ESF6AFKB7TMQQrTg&s=19 Daniel Adamson @danielsilas Some of the most measured voices I'm hearing on here, the ones who seem most serious about ending this agony, seem to come from Israelis whose loved ones have just been murdered or abducted by Hamas. Some examples… https://twitter.com/danielsilas/status/1712601486935421077?t=1hPscVI9w--Vc4VdX7YytQ&s=19 FIGHT DISINFORMATION: Comprehensive ongoing list of the most prevalent viral imagery of Syria falsely attributed to the Israel-Gaza war. This image is of child victims of the Assad regime's gas attack against Eastern Ghouta a decade ago, not Israeli or Gazan victims of war. https://twitter.com/KareemRifai/status/1712934425489534989 Israeli settler's attempt to justify forcible takeover of a Palestinian home sparks online anger https://www.youtube.com/watch?v=t9q9PDBsDe8 From 2003: U.S. stays steadfast in support of Abbas https://www.nytimes.com/2003/06/09/IHT-us-stays-steadfast-in-support-of-abbas.html CIP Calls for Truce in Israel-Hamas Fighting to Allow for Humanitarian Relief. See our full statement below: https://twitter.com/CIPolicy/status/1713594164183486549/photo/1 Iyad El Baghdadi on Twitter: This message was written by a Palestinian to a Jewish friend. Then that Jewish friend passed it on to Palestinians friends. I don't know the person who originally wrote it. And now I'm passing it on to you. As the rhetoric becomes genocidal, root yourself in humanity. Pass it on. https://twitter.com/iyad_elbaghdadi/status/1713236580914041300 In 1996, Netanyahu became Israel's youngest prime minister, running on a platform against flailing peace attempts, especially the Oslo accords that gave some limited autonomy to the Palestinians. https://www.theguardian.com/world/2019/jul/20/benjamin-netanyahu-becomes-longest-serving-israeli-pm Explainers: The origins of the Hamas-Israel war explained | ABC News Australia https://youtu.be/zsNj8DiJv-A?si=JowVDyLzjmzU9xIy Let's Talk About the Israel-Palestine Conflict | The Daily Show https://www.youtube.com/watch?v=NeZ4yXyzUG0 Revealing the history behind Hamas https://www.youtube.com/watch?v=nUtYF0V0reg From 2017: Mapping Middle East Peace Possibilities https://www.wsj.com/graphics/twostate/
The Papin Sisters went down in French history for the henious murder of their employers. What caused these two young, quiet women to literally beat a mother and daughter to death- ripping their eyes out? Was it a representation of the lower class fighting back against the middle class? Was it undiagnosed mental health? Or were these women just cold blooded killers? Follow us on Instagram: https://www.instagram.com/crimesandcannapod/ Send us True Crime updates: https://twitter.com/CrimesnCannabis Join the discussion on Facebook: https://www.facebook.com/crimesandcannapod/ Listen ad free on Patreon: https://www.patreon.com/crimesandcannabis For case suggestions of feedback: crimesncannabis@gmail.com --------------------------------------------------------------------Sources: https://www.hoopladigital.com/play/14874833 https://www.nytimes.com/2000/11/30/style/IHT-true-crimethe-maids-vs-the-intellectuals.html https://blogs.gwu.edu/himmelfarb/2022/07/08/disorder-in-the-court-2-folie-a-deux/ https://en.wikipedia.org/wiki/1900_in_the_United_States https://en.wikipedia.org/wiki/1900_in_France https://www.bestmastersdegrees.com/lists/5-of-the-worst-natural-disasters-in-us-history#:~:text=5.-,The%20Great%20Galveston%20Hurricane,single%20building%20in%20the%20city. https://www.ncbi.nlm.nih.gov/books/NBK541211/#:~:text=Introduction-,Shared%20psychotic%20disorder%20(folie%20à%20deux)%20is%20a%20rare%20disorder,based%20on%20a%20delusional%20belief. https://www-jstor-org.ezproxy2.library.arizona.edu/stable/pdf/3190138.pdf?refreqid=excelsior%3A29608a7e9ac337a8e1e73d8909c7547a&ab_segments=&origin=&initiator=&acceptTC=1 https://prezi.com/p/vxvzsfkdnuru/the-papin-sisters/ https://julesyus.medium.com/a-deadly-mix-of-incest-and-murder-the-papin-sisters-d39edfabd581 https://allthatsinteresting.com/papin-sisters
I don't think I have ever been as nervous about interviewing someone in my entire career as I was when my former boss and colleague Suzy Menkes agreed to speak with me for this podcast. I worked side by side with Suzy for 16 years at the International Herald Tribune, which is now known as the International New York Times. Over that period she mentored me, encouraged me and guided me. Shaping my career as I moved from her assistant to fashion writer and finally the Online Style Editor of the IHT. During our time together we experienced so many amazing fashion moments, from the John Galliano, Alexander McQueen and Marc Jacob eras at Dior, Givenchy and Louis Vuitton, respectively, to watching first-hand the rise of LVMH, Gucci Group, Kering and the whole transformation of the fashion industry from artform to billion-dollar luxury business. Not to mention witnessing the debuts of iconic designers like Nicolas Ghesquière, Alber Elbaz, Phoebe Philo, Tom Ford, Stella McCartney, Alessandro Michele, Riccardo Tisci, Maria Grazia Chiuri, Pierpaolo Piccioli and the list goes on. Suzy's career as a fashion critic spans close to 60 years, starting with her college days at Cambridge where she was the first female editor of the university newspaper. But even before that, as a teenager, she moved to Paris to study at the fashion school that is now known as ESMOD. So her love of fashion as a visual expression of self and society runs very deep indeed. She started her true calling as a fashion journalist at the age of 24. Working under the watchful eye of Charles Wintour, the father of Anna Wintour, who would be an early mentor for Suzy. But Suzy came into full bloom as one of the most respected fashion critics in the world during her 26-year tenure at the International Herald Tribune. Her words were read in the pages of the daily newspaper by hundreds of thousands of readers around the world and eventually by millions once the internet was born. An audience that only expanded with the advent of social media and her turn as Condé Nast's International Vogue Editor, which saw her words being translated into different languages and her reviews posted on all of the international Vogue websites. She also was the mastermind behind the idea of the modern luxury conference, events that are now commonplace but were brought into being at the IHT, and later continued at Vogue, under her guidance. Suzy is renowned for her honest, fair and insightful writing, and her ability to put fashion into the context of a wider global narrative. Today she runs her own very successful podcast called Creative Conversations with Suzy Menkes, where she continues to interview the leading movers and shakers within the fashion industry. She is still asking the questions every fashion lover wants to know the answers to, but now I am lucky enough to be able to turn the tables on her a bit and ask her a few questions of my own.
Chris Boxall discusses three UK small-caps Anexo (ANX), Time Finance (TIME), and PCI-PAL (PCIP) to keep a close eye on. All three companies are growing but have areas of concern that are holding the share price back; if they were to resolve these areas of concern, these three companies would become much more attractive. Chris also shares some red flags to look for when analysing companies such as the Relevance/Significance of senior management remuneration for small caps. Company example Character Group (CCT) which also updated recently. Large companies get the headlines, but, in terms of shareholder return, it's actually far more relevant for small caps, management needs to paid to arrive, not to travel! Key topics covered: The latest inheritance tax news. Small caps, Anexo (ANX), Time Finance (TIME), PCI-PAL (PCIP) and Volvere (VLE). Red flags for investors to look out for. Big contracts for small companies – can they execute and deliver? Company examples are Eneraqua Technologies (ETP) and SRT Marine Systems (SRT) The significance of senior management remuneration packages for small caps. Timestamps: 1:00 Discussing the latest inheritance tax news (IHT). 3:35 Discussing Anexo (ANX). 7:35 Chris thoughts on EBITDA and the use of adjusted EBITDA. 8:45 Discussing Time Finance (TIME). 10:10 Discussing PCI-PAL (PCIP). 11:30 Discussing the significance of senior management remuneration packages. 16:15 Discussing big contracts for small companies and whether they can deliver. 18:35 Closing thoughts and wrap up. Thank you for listening, we hoped you enjoyed the episode. If you like this episode, please let us know by subscribing for future company reviews and insightful conversations about portfolio management and stock analysis. FYR & Chris Boxall Resources: Fundamental Asset Management website: https://fundamentalasset.com/ Fundamental Asset Management contact us page: https://fundamentalasset.com/contact/ Follow Fundamental Asset on Twitter: https://twitter.com/fundasset Connect with Chris on LinkedIn: https://www.linkedin.com/in/chris-boxall-835a4222/ Visit FYR For More Investor Related Podcasts: https://www.fundyourretirement.com/ Disclaimer: This presentation is for educational purposes only. All opinions and information are for demonstrational purposes and do not constitute investment advice. Trading and investing carries a high level of risk and are not right for everyone. If you need financial advice, consult with a regulated financial adviser in your country before making any decisions.
Almost five times as many people will soon be paying 40 per cent tax than in the early 1990s, when it was seen as a tax bracket reserved for the rich, the Institute for Fiscal Studies warned this week. It said that fiscal drag triggered by freezing the higher rate tax threshold would pull 7.8million people into its net by 2027. The study suggested that the threshold would have to be almost doubled from its current level, at £50,271, to almost £100,000 to return the tax band to the level intended for it. Alongside the report, came the IFS's warning that 40 per cent tax had stopped being the preserve of high-earning professionals and was now hitting electricians, plumbers, teachers, nurses and more. The taxman nabbing 40p of every pound earned from a pay rise rather than 20p comes at a time when workers are running to stand still, with inflation at just above 10 per cent. So, is it time the government stopped taxing by stealth and using tools like fiscal drag – instead raising thresholds with inflation or wages? And is it time to hike the higher rate threshold and pull people back down to basic rate tax? On this podcast, Georgie Frost, Lee Boyce and Simon Lambert discuss the thorny issue of tax and who counts as wealthy. The debate moves on to inheritance tax – another levy designed for the very rich but now hitting the wealthy middle classes. Why is IHT so unpopular when most don't pay it and does it need reform? Plus, how much have you lost to inflation, will you get Nationwide's new £100 Fairer Share bung, and finally, would you buy food two years past its best before date for big savings?
This week we return to our series on the 9 Accelerators for a Successful Retirement for the final time – to discuss the really important topic of Staying on Track. Scroll down to find links to all previous episodes in this series. I spend a lot of time with clients helping them work out what they want their retirement to look like, building a financial plan to support that life, then structuring their assets to be as tax efficient as possible. I also work with them to create a legacy plan, combat IHT, plan how to fund care that might be needed in later life, and implement an investment strategy that will give them the best chance of success. But what then? To some degree, the most important work starts - helping my clients stay on track for a successful retirement. The plan is in place, but goals move, circumstances change, markets rise and fall (sometimes abruptly), and all the assumptions in our financial plan may have shifted. So Staying on Track means reviewing and updating the plans to reflect what's new. It also means helping clients to be disciplined and stick with their investment strategy, in spite of the market noise and what's going on around them.
On February 2, 1933 two men walked into the Central Police Station in Le Mans , France. Rene Lancelin and his son-in-law were there to report that they couldn't enter the Lancelin home on 6 rue Bruyere. Mr. Lancelin said that when he had tried to enter his home he had found the front door bolted closed, and, although his wife, daughter and their two housemaids were supposed to be at home, no one answered the door, despite his constant knocking and calls to them. But no one could have predicted the true horror inside. Sources: https://www.youtube.com/watch?v=eWhqo_5gpOUhttps://murderpedia.org/female.P/p/papin-sisters.htmhttps://drvitelli.typepad.com/providentia/2020/03/the-papin-sisters-case.htmlhttps://www.historicmysteries.com/papin-sisters/https://www.nytimes.com/2000/11/30/style/IHT-true-crimethe-maids-vs-the-intellectuals.htmlhttps://www.ncbi.nlm.nih.gov/pmc/articles/PMC2919794/#:~:text=Folie%20%C3%A0%20deux%20is%20defined,essential%20step%20in%20the%20management.https://www.psychiatrist.com/pcc/personality/folie-a-deux-case-husband-children/https://www.britannica.com/place/France/The-Great-Depression-and-political-criseshttps://www.britannica.com/event/French-Revolutionhttps://www.youtube.com/watch?v=eWhqo_5gpOU&t=80shttps://www.youtube.com/watch?v=aLE4R_ntkBw
Christopher Wong is joined by Robert Evans to discuss the many crimes of Reverend Sun Myung Moon and his family. FOOTNOTES: https://u1lib.org/book/5533978/0e7f3c https://u1lib.org/book/683849/cb6752 https://12ft.io/proxy?q=https%3A%2F%2Fwww.chicagotribune.com%2Finvestigations%2Fchi-0604sushi-1-story-story.html http://www.tparents.org/Library/Unification/Publications/Smm-Org/works_communism.html http://www.tparents.org/Library/Unification/Books/Messiah2/Messiah-2.pdf https://newrepublic.com/article/115512/unification-church-profile-fall-house-moon#footnote-115512-3 https://www.minnpost.com/politics-policy/2012/09/remembering-former-rep-don-frasers-battle-moonies/ https://www.irishtimes.com/news/moonies-accused-of-involvement-in-drugs-1.1161827 https://u1lib.org/book/2483311/694fff https://www.businessinsider.com/donald-trump-speaks-at-moonies-911-event-praises-unification-church-2021-9 https://freedomofmind.com/wp-content/uploads/2019/02/fraserport.pdf https://www.nytimes.com/1998/05/02/business/worldbusiness/IHT-reverend-moons-group-wants-to-talk-investment.html https://www.nytimes.com/1999/11/28/world/suspicion-following-sun-myung-moon-to-brazil.html https://www.deseret.com/1999/11/28/19477721/moon-sees-a-new-garden-of-eden-in-brazil-br-but-unification-founder-s-proposal-spurs-opposition https://www.thriftbooks.com/w/heartbreak-and-rage-ten-years-under-sun-myung-moon_k-gordon-neufeld/1821376/#edition=3308299&idiq=35159710 https://culteducation.com/group/1277-unification-church/23755-rev-moon-son-made-gun-.html https://www.npr.org/sections/thetwo-way/2018/03/01/589808670/ar-15s-are-biblical-rod-of-iron-at-pennsylvania-church https://www.nytimes.com/1990/04/19/style/chronicle-983090.html https://foreignpolicy.com/2012/09/04/the-strange-life-of-reverend-sun-myung-moon/ https://www.npr.org/2012/09/02/159032325/rev-moon-a-savior-to-some-lived-a-big-dream%20%20 https://www.splcenter.org/fighting-hate/intelligence-report/2005/washington-times-editor-and-wife-promote-radical-right-agenda https://www.npr.org/2010/02/17/123805954/unification-church-woos-a-second-generation https://books.google.com/books?id=AabywLOknbsC&pg=PA59&dq=fraser+kcia#v=onepage&q=fraser%20kcia&f=false https://www.nytimes.com/1976/12/29/archives/sun-myung-moon-is-criticized-by-religious-leaders-jewish-patrons.html https://u1lib.org/book/656675/0cceef http://content.time.com/time/ Learn more about your ad-choices at https://www.iheartpodcastnetwork.com
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