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Latest podcast episodes about isas

Level Up - From Agent to Entrepreneur
The Secret to Increasing Your Online Lead Conversion (It's Not Your CRM)

Level Up - From Agent to Entrepreneur

Play Episode Listen Later Sep 11, 2025 20:44


When most agents think about increasing their online lead conversions, they picture tech: CRMs, ISAs, AI automations, and endless drip campaigns.  But the uncomfortable truth is, none of it has actually moved the industry's conversion rate. Despite all the shiny new tools, agents are still struggling to turn leads into clients. The real problem isn't the lead source, or the CRM or the tech you're not using. It's your mindset and activity. Too many agents label leads as “bad” because the timeline is longer than they'd like. Too many make one or two attempts, then drop the lead into automation and wait. And too many assume the next CRM or campaign will be the breakthrough.  Buyers don't want better drip emails; they just want more contacts. How can you increase lead conversion without spending more money?  In this episode of Level Up, we unpack the counterintuitive secret to online buyer lead conversion. It's not about better tech, and it's not about finding the perfect lead source.    Things You'll Learn In This Episode  “Bad leads” aren't bad, just mistimed Most leads labeled as bad are really just further out in their timeline. What happens when you stop dismissing long-term leads and start treating them as future clients? Attempts beat apps every time Conversion skyrockets when you commit to 10+ real contact attempts instead of relying on automation. How much money are you leaving on the table by stopping at two calls? Speed to lead closes deals 73% of buyers hire the first agent they speak with. How do you build a system so you're always the one answering first? Real ROI comes from activity, not tech Tech tweaks give you fractions of improvement. Human persistence gives you multiples. Why are agents chasing 0.2% bumps instead of 5x results?   About Your Host Greg Harrelson is a real estate agent, coach, trainer and owner of Century 21 The Harrelson Group. He has been in the real estate business for over 30 years and has been professionally trained by coaches like Mike, Matthew, Tom Ferry, Chet Holmes and Tony Robbins. He is in the top 1% of all Realtors nationwide. His goal is to empower his clients with the information necessary to make sound financial decisions while being sensitive to the experience one is looking for in real estate ownership. The Harrelson Group has been the leading office in the Myrtle Beach real estate market for years and they have recently added a new office in Charleston, SC.   Guest Host Abe Safa is a highly experienced real estate expert with over two decades in the industry. He is a key leader at Century 21 The Harrelson Group, where he specializes in helping clients navigate complex real estate transactions with ease. In addition to his role at Century 21, Abe is a sought-after mentor and speaker, sharing his expertise through seminars and coaching programs to help other agents succeed in the competitive real estate market.   Check out this episode on Apple Podcasts, or Spotify, and don't forget to leave a review if you like what you heard. Your review feeds the algorithm so our show reaches more people. Thank you! 

The Meaningful Money Personal Finance Podcast
Listener Questions - Episode 25

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Sep 10, 2025 32:59


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

Honest Property Investment with Natasha Collins
How Commercial Property Fits into My Wider Investment Strategy

Honest Property Investment with Natasha Collins

Play Episode Listen Later Sep 9, 2025 19:32


Ever wondered how I personally invest my own money?In this episode, I'm taking you behind the scenes of my investment strategy and showing you where commercial property fits into the bigger picture. Think of it as a back-to-school lesson plan for building a balanced portfolio that reflects both your goals and your lifestyle.Here's what you'll hear:Stocks & Shares ISA and “fun” stock picks – why I use them as a supporting layer, and the playful way I buy YSL shares instead of handbags.My SSAS Pension – how I structure it, why it's my main savings vehicle, and the story of the red telephone box that generates monthly rental income inside my pension.Stocks & REITs inside the SSAS – from global trackers like the S&P500 to UK property companies, including Land Securities (and why buying those shares was personal).Property outside the pension – the reality of residential vs commercial returns, plus what I learned from a refinancing challenge.The full picture – how commercial property sits at the centre of everything, supported by stocks, ISAs, and small, fun investments.By the end, you'll see why I believe commercial property is the cornerstone of a strong, long-term investment strategy — and how you can start thinking about where it might fit into yours.If this episode feels like a crash course, then my Back to School Training is the full lesson plan. Join me there and I'll walk you step by step through how to strengthen your own portfolio with commercial property.

Medics Money podcast
Ep 288: 6,000 doctors' finances revealed. How do yours compare?

Medics Money podcast

Play Episode Listen Later Sep 9, 2025 56:26


Want the latest financial tips for doctors and exclusive invites? Join 64,000 doctors here https://www.medicsmoney.co.uk/join-medics-money/ Want a free assessment of your finances? Click here https://medics-hnz5twj1.scoreapp.com Want to improve your finances fast? Then come on our course https://www.medicsmoney.co.uk/medics-money-financial-wellbeing-course/ GP partner looking to improve your practice/ Then come on our course https://www.medicsmoney.co.uk/gp-partnership-programme/ Follow us on Instagram Follow us on Twitter Disclaimer: The information provided in this content is for educational and informational purposes only and does not constitute financial advice. You should not rely on this content as a substitute for professional advice tailored to your specific financial situation. The value of your investments can go down as well as up. Past performance is not indicative of future results.   Podcast Show Notes: State of Medics Money 2025 00:00 – Introduction & Overview Hosts introduce the Medics Money mission and the results of their recent financial health check survey for doctors. 00:49 – Podcast Purpose & Resources Discussion of upcoming webinars, mailing list, and resources for doctors to improve their finances. 01:32 – Meet the Team Introduction of the Medics Money team: Cyra (resident doctor & accountant), Andy (specialist medical accountant), Ed (GP & chartered accountant), and Tommy (GP partner & co-founder). 03:31 – Survey Results: Tax Relief Ed discusses the importance of claiming tax relief on professional subscriptions. 26% of doctors haven't claimed, resulting in lost money. 06:07 – Tax Awareness & Financial Literacy Only 35% of respondents feel confident about available tax allowances. Discussion of marginal taxation and tax traps. 10:48 – Tax-Efficient Investments Many doctors are not using ISAs or other tax-efficient investment vehicles. Clarification on ISA access and types. 12:42 – Investing Habits 43% of doctors regularly invest in stocks, shares, or funds. The importance of investing vs. holding cash due to inflation. 16:20 – Attitudes Toward Investing Discussion on perceived risk and complexity of investing. The need for financial education and trusted resources. 19:44 – Property Investment 18% of doctors invest in rental property. Pros and cons of property vs. other investments. 23:34 – Saving & Emergency Funds 81% save regularly, but 24% lack a 3-month emergency fund. Importance of liquidity and emergency planning. 26:19 – Budgeting Only 45% have a monthly budget. Why budgeting is crucial for financial health and reducing stress. 29:52 – Impulse Spending 41% admit to impulse buying and regretting it. Tips for reducing impulse purchases and the impact of small spending habits. 33:36 – Insurance & Protection 49% have life insurance; 35% have income protection. Importance of understanding NHS pension benefits and reviewing insurance needs. 39:13 – Financial Worries & Planning 52% worry about their financial position relative to their age. Only 22% have seen a financial planner in the last two years. 41:12 – Wills & Record Keeping Only 29% have a will; 46% keep financial records organized. Why having a will and organized records is essential. 44:31 – Final Thoughts & Resources Hosts reflect on the survey, thank listeners, and share links to free resources and upcoming webinars. Links Mentioned: Free webinars: www.medicsmoney.co.uk/live Mailing list: www.medicsmoney.co.uk/join Family finances guide: www.medicsmoney.co.uk/familyfinances Will guide: www.medicsmoney.co.uk/wills Tax relief guide: www.medicsmoney.co.uk/taxrelief

WealthTalk
How Women Can Overcome Wealth Challenges with Tracy Hilliard

WealthTalk

Play Episode Listen Later Sep 4, 2025 41:15


In this episode, Christian Rodwell speaks with Tracy Hilliard about the unique challenges women face on the journey to financial independence. Tracy shares her personal transformation—from financial insecurity to independence in under five years—and discusses the societal, educational, and confidence-related barriers that often hold women back. The conversation also introduces the WealthBuilders for Women programme, designed to provide tailored support, education, and community for women ready to take control of their finances.Key Topics CoveredWhy Wealth-Building is Different for WomenThe impact of societal expectations and traditional rolesLack of confidence and financial educationThe gender pay and pension gaps, and their long-term effectsBarriers to Financial IndependenceGender pay gap: women earn on average 13% less per hourPension gap: women's average pension pot is less than half men's (£39k vs £84k)Women typically live longer, requiring more financial security in later lifeTracy's Wealth JourneyStarted with limited financial knowledge and confidenceUsed the WealthBuilders process: mapped assets, consolidated pensions, and diversified investments (stocks, crypto, property)Achieved financial independence in under five years by focusing on asset income and recurring revenueLessons for Women in WealthThe importance of taking stock: knowing where your money and assets areBuilding confidence through education and community supportSimple steps like setting up ISAs and writing willsThe power of learning from others and asking questions in a supportive environmentIntroducing WealthBuilders for WomenA new programme in development, led by Tracy, focused on education, support, and connectionDesigned for women, shaped by women's input and needsWaitlist now open: no commitment, just an opportunity to express interestPractical TakeawaysTake stock of your finances: list your assets, pensions, and savingsDon't be afraid to ask “basic” questions—education is keyUse tax-efficient investment vehicles like ISAs, even with small amountsThe right community can boost your confidence and accelerate your resultsWriting a will is a simple but crucial step for protecting your wealth and familyCall to ActionIf Tracy's story resonates with you and you'd like to be part of a supportive community focused on women's wealth-building, join the waitlist for the WealthBuilders for Women programme.No cost, no commitment—just the first step towards your financial independence.Resources Mentioned:Join the Waitlist: WealthBuilders for WomenConnect with Us:Listen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform

Coach Code Podcast
#721: The Real Estate AI Revolution with Gogo Bethke

Coach Code Podcast

Play Episode Listen Later Sep 3, 2025 57:22 Transcription Available


Episode Overview In this high-energy episode of One Big Fire, John Kitchens, Jay Kinder, and Al Stasek are joined by GoGo Bethke for a candid conversation about AI, trust, and the future of the real estate brokerage. From the rise of AI-powered ISAs to the shrinking role of traditional team structures, the crew pulls back the curtain on what's really coming next for agents, teams, and brokerages. They tackle the big questions head-on: Will AI replace human agents? Are we entering the era of the “AI brokerage”? What happens to the average frustrated agent (AFA)? And how will trust—between consumers, agents, and technology—reshape the entire industry? Whether you're a team leader, solo agent, or broker-owner, this episode is a blueprint for understanding how to adapt, thrive, and lead in a rapidly evolving marketplace. Key Topics Covered The AI Brokerage of the Future Why the brokerage that integrates AI first will likely win How lead generation, follow-up, and ISA roles are being replaced by AI Why consumers may one day prefer AI responses over human ones GoGo's Perspective: Efficiency & Trust Cutting her team from 43 employees down to 9 using AI without losing revenue Why AI can't “call in sick” but still faces trust barriers with consumers The opportunity to clone your voice, face, and personality into AI for scale Teams vs. Solo Agents in an AI World Are teams becoming obsolete—or evolving into leaner showing-agent models? Why AI may empower solo agents to compete at scale How brokerages offering AI infrastructure could eliminate the need for teams The Consumer Experience Moat AI as a personal real estate COO—handling search, negotiation, vendors, and more The looming threat (and opportunity) of AI-curated consumer journeys Why local nuance, trust, and brand will still matter The Future of Agents & NAR Could AI—not lawsuits—be the biggest threat to NAR? Why professionalism must rise as AI raises the consumer's baseline knowledge The widening gap between high producers using AI and low producers avoiding it Personal Transformation Through AI How Jay is using AI to parent, lead, and self-improve Why the agents who survive will be advisors, negotiators, and educators—not order takers The power of continuous growth and using AI as a true thinking partner Resources & Mentions Agent to CEO 2024 – Sept. 24–25 in Cleveland → AgentToCEOCE.com HoneyBadgerNation.com – Community, training, merch, CHSA/CHBA resources The AI-Driven Leader – Framework for adapting leadership to AI StoryBrand by Donald Miller – Messaging framework to guide clients with clarity The Strangest Secret by Earl Nightingale – Classic on mindset and thought power Final Takeaway AI isn't just a tool—it's a tidal wave. The agents, teams, and brokerages who survive will be the ones who combine AI efficiency with human trust, authority, and leadership. As Jay Kinder put it: “Being good with people won't cut it anymore. You must become a trusted advisor, not just an agent.” Connect with Us: Instagram: @johnkitchenscoach LinkedIn: @johnkitchenscoach Facebook: @johnkitchenscoach   If you enjoyed this episode, be sure to subscribe and leave a review. Stay tuned for more insights and strategies from the top minds. See you next time!

Real Estate Insiders Unfiltered
Agent Series 1: Why Your Leads Are Failing

Real Estate Insiders Unfiltered

Play Episode Listen Later Sep 2, 2025 57:43


In this special episode, Gary Ashton and Debra Beagle, the leaders of the number one RE/MAX team in the world, share a masterclass on building a real estate empire, revealing their unconventional journeys and the secrets to their success. Learn how a team of over 200 agents and 40 staff generates a billion dollars in annual sales by focusing on a long-term, data-driven strategy and a unique approach to lead follow-up.   Follow this link for Gary and Debra's TechStack: https://content.nexthome.com/reiu/TAREGTechStack.pdf   Connect with Gary on - LinkedIn - Instagram - X - Facebook. Connect with Debra on - LinkedIn - Facebook.   Learn more about The Ashton Real Estate Group of RE/MAX Advantage: www.NashvilleRealEstate.com www.TNRealEstate.com www.NashvilleLuxuryHomes.com www.GaryAshton.com   Subscribe to Real Estate Insiders Unfiltered on YouTube! https://www.youtube.com/@RealEstateInsidersUnfiltered?sub_confirmation=1   To learn more about becoming a sponsor of the show send us an email: jessica@inman.com You asked for it. We delivered. Check out our new merch! https://merch.realestateinsidersunfiltered.com/   Follow Real Estate Insiders Unfiltered Podcast on Instagram - YouTube - Facebook - TikTok. Visit us online at realestateinsidersunfiltered.com.   Link to Facebook Page: https://www.facebook.com/RealEstateInsidersUnfiltered Link to Instagram Page: https://www.instagram.com/realestateinsiderspod/ Link to YouTube Page: https://www.youtube.com/@RealEstateInsidersUnfiltered Link to TikTok Page: https://www.tiktok.com/@realestateinsiderspod Link to website: https://realestateinsidersunfiltered.com This podcast is produced by Two Brothers Creative. https://twobrotherscreative.com/contact/  

Dentists Who Invest
Here's Why I Left Dentistry At 29 with Dr James Martin

Dentists Who Invest

Play Episode Listen Later Sep 1, 2025 75:44 Transcription Available


Get a free audit of your indemnity cover here >>> https://quote.allmedpro.co.uk/dental-indemnity-2025-new-proposal-dwi/———————————————————————Collect unlimited free verifiable CPD for UK Dentists here >>>  https://www.dentistswhoinvest.com/video/1———————————————————————What happens when a dentist's unexpected knee surgery becomes the catalyst for a financial education revolution? Dr. James Martin, founder of Dentists Who Invest, shares his remarkable journey from clinical practice to creating a thriving platform helping dental professionals achieve financial freedom.Martin's story begins with a familiar feeling many professionals experience—the nagging question of "is this all there is?" Despite enjoying aspects of clinical dentistry after graduating from Leeds in 2016, he found himself drawn to learning about finance and investment strategies. "I thought this is what adults do," he explains, not realizing these self-taught skills would eventually form the foundation of his future business.The turning point came during recovery from knee surgery in 2020, when Martin created a Facebook group to share basic financial knowledge with fellow dentists. What started as simple educational posts about ISAs and pensions organically evolved as members reached out for personalized guidance. This natural demand led to courses, partnerships with financial advisors, and eventually establishing a regulated financial planning firm specifically for dental professionals.Martin's insights into entrepreneurship are refreshingly honest. "A calm sea never made a strong sailor," he shares, emphasizing that resilience and the ability to view setbacks as learning opportunities are crucial for success. His approach to networking—making time for everyone who reaches out and maintaining positive relationships even through difficult interactions—has been instrumental in building his business.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us a text

The Meaningful Money Personal Finance Podcast
Listener Questions Episode 23 - Inheritance Tax

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Aug 27, 2025 40:37


This week we have a bunch of questions on the subject of inheritance tax, trusts and estate planning. Fair to say, these stretched us quite a bit and we had some surprises as we researched the answers! Shownotes: https://meaningfulmoney.tv/QA23  01:45  Question 1 Hi Pete & Rodger Love the podcast as it has loads of useful information and you make it very simple (as it can be) and clear. Love how you bounce off each other and make it easy to listen to. My question is - I have a reasonably large SIPP that will if added to my house value push me well over the 1 million level. I see a lot of press articles about how it would be good to start reducing estates that are in this position to mitigate possible IHT. My stance is that I am only 60 married and feel that - 1. It's too early to know what the new rules will look like 2. If I die before 75 and my SIPP goes to my wife she can pull whatever out tax free (currently) and gift some IHT free, as long as she lasts 7 years. 3. If my wife dies first I can do some gifting at that stage to reduce estate / possible house downsize to give large gift again with the 7 year IHT rule. Why do anything at this stage that would incur a tax charge? Your thoughts on this approach would be very much appreciated. Kind regards, Jules 07:08  Question 2 Gents, Outstanding podcast which I have listened to for years from overseas in the Middle East. The thing I like most is your consistent message about simplicity, being intentional and using low cost funds. Every season reinforces financial education and I never tire of listening to you. Thank you. I have a general question that I thought might possibly apply to other listeners regarding income drawdown ie should I use my pension pot or ISA money first? My situation is slightly complicated as my personal allowance will be used up by a DB pension. I will have a DB pension at age 55 (approx £30k) plus I have a DC pension pot plus an ISA. If I would like a retirement income (pre-tax) of say £60K (ie over the current 40% tax rate threshold), what is the most tax efficient way of drawing the income? I'm aware that in future my pension will be liable to IHT so in essence could take a 40% hit on death. Should I take all additional income from my ISA until that runs out or take money from the pension pot up to the 40% tax rate band (approx £50k) and use the ISA thereafter to save me paying 40% tax on any pension pot money? Are there any online calculators that can help as I guess it's partly just maths? Many thanks, Ian 13:48  Question 3 Dear Pete and Roger, My mum passed away over a decade ago and since then my dad has met a new partner. They live together and own their own home, split 60% (my dad), 40% (his partner). He has said a “trust” has been set up so that should one of them die, the other can live it for as long as they want before it is sold and the money passed to their children. With some research, I think he might just mean a “declaration of trust” but I am unsure. I just want to know if there is anything I should be aware in terms of inheritance tax to make sure his (and my mum's) residence nil rate bands are still in place, as I remember you saying on a previous episode of the podcast that if a house is left “in trust”, it would wipe out the residents nil rate bands. The house is valued at approximately £725k and my dad's assets (including his share of the house) would be about £850k. Thanks for sharing all your knowledge, really enjoy the podcast. Steven 21:40  Question 4 Hello Pete & Roger Listening to you both has completely turned my future retirement around!  My trajectory is now very positive as I'm building a decent DC pot to supplement my DB pension several years before I qualify for state pension. That's not just great financial progress, it's the life enhancement of  4 additional  years of  retirement at a time when im most likely able to make the most of it! Complete game changer with some knowledge and commitment to build a better future. Now,  a query on the definition of income from the perspective of the gifts from surplus income exemption from IHT…….. Does regular (quarterly) UFPLS withdrawals count as income for these purposes? I know these gifts need to be from income-they can't be from capital withdrawals. However, when I take regular UFPLS withdrawals, am I taking capital withdrawals? I'm effectively selling down assets to get the UFPLS payments so really don't know if this is income or capital withdrawal for gifting purposes. Keep up the fabulous work. Thanks, Duncan 24:20  Question 5 Hi There Pete and Rodger, Long time listener, first time caller - been listening to and recommending your podcast to friends, family and colleagues for some time now! Keep up the great work! My question relates to Inheritance tax and is a question my mother has been wrestling with for some time. Long story short, my parents emigrated to south Africa from Scotland in the 80's where I was born - sadly my father past away when I was an infant. My mother remarried a South African gent and we all then came back to the England on a business secondment that never ended. My mother and adoptive father then divorced - over 20 years ago now! (Maybe not so short!) My mother has been getting her affairs in order (not due ill health - more my nagging after your fine education via the podcast). She discovered that due to the value of her house and savvy savings she may have an IHT issue. (I've told her to spend the lot!) The question she has been trying to get a straight answer about is whether she would be eligible to transfer the unused portion of my late father's basic threshold to limit her IHT exposure. Not sure this is in your wheelhouse given the complexities of foreign countries, remarriage etc. but hoped you might be able to point us in the right direction. She is hoping to get something in writing which solicitors seem to be reticent to do. Thanks again for the sterling work and look forward to many more episodes in the future! Kind regards, Craig Bell 31:18  Question 6 Hi there, thanks for a great podcast. I am a 67 yr old single woman with no children. I have 2 DB pensions + state pension, on which I live comfortably and can afford holidays etc. I have always been an investor and have £270k in stocks & shares ISAs. My house is worth  £250k. As there are no direct descendants my estate will be liable for IHT under the new rules. Obviously I'd like to avoid that or reduce the amount payable, if possible. I have nieces and nephews who are at that stage of life at which a financial helping hand would be a great benefit, so can I do that without falling foul of the taxman? I do use the £3k gift tax allowance, but (ideally would like to give away £100 k). Is there a tax efficient way of doing that? Thanks for your help. J Harvey

This is Money Podcast
Will there really be a new property tax - and how would it work?

This is Money Podcast

Play Episode Listen Later Aug 22, 2025 44:46


We're still a couple of months away from the Autumn Budget, but already the rumour mill is in overdrive. But while pensions, inheritance and even cash Isas have taken the spotlight in the past year, this week, a new tax target has emerged... property. This week, Helen Crane, Lee Boyce and Georgie Frost look at the wild ideas being bandied about when it comes to reform on how we pay tax on homes. The Treasury shut down the idea of a ‘seller tax' on homes above £500,000, but other plans appear to be on the table. This includes an annual property tax to replace stamp duty, replacing council tax with an annual local tax based on property values and a potential ‘mansion tax' – AKA, levying a capital gains tax bill on properties sold over a certain value. Elsewhere, we warn over the rise of a sophisticated deepfake scam involving well known investment gurus – and how people were ensnared into a pump and dump ruse. We investigate the airport currency rip-off. Sure, most of us know we'll get a poorer rate by leaving it until the last minute, but did you know the sneaky tricks being used? And sticking with the holiday theme, Lee transports you to the brocantes of France… and talks through the stats that show we have no idea how to tip abroad. 

The Money Gains Podcast
I Started Investing At 19 And Built A 6-Figure Investment Pot (You Can Too!) - Tom Wickstead

The Money Gains Podcast

Play Episode Listen Later Aug 20, 2025 61:51 Transcription Available


The Most Dwanderful Real Estate Podcast Ever!
Bartender to Broker: One Man's Path to $100M in Sales

The Most Dwanderful Real Estate Podcast Ever!

Play Episode Listen Later Aug 19, 2025 45:59 Transcription Available


Send us a textSir Lancelot Lennard shares his journey from arriving in America with just $300 to building a real estate empire with over 200 deals and $100 million in sales in Florida. He reveals the systems and mindset shifts that transformed him from an overworked agent handling every aspect of his transactions to the CEO of a growing real estate organization.• Arrived in America with just $300 after working on cruise ships where he met his wife• Built a real estate business doing up to 48 deals per year as a solo agent• Experiencing physical stress symptoms from handling every aspect of transactions personally• Transitioning from agent to CEO by implementing systems and strategic delegation• Creating a business structure with ISAs, buyer's agents, and transaction coordinators• Prioritizing morning routines with 5:30 AM gym sessions followed by sauna• Using real estate investing to create a lifestyle allowing his wife to be a stay-at-home mom• Generating business through consistently working his database of 6,000-7,000 contacts• Expanding into contracting to diversify his real estate-focused business modelFind Sir Lancelot on social media as Sir Lancelot the Realtor or The Sir Lancelot Group, and check out his podcast, The Real Estate Round Table. Thanks again for listening. Don't forget to subscribe, share, and leave a FIVE-STAR review.Head to Dwanderful right now to claim your free real estate investing kit. And follow:http://www.Dwanderful.comhttp://www.facebook.com/Dwanderfulhttp://www.Instagram.com/Dwanderful http://www.youtube.com/DwanderfulRealEstateInvestingChannelMake it a Dwanderful Day!

The Money Podcast
How to Invest for MAXIMUM Money Leverage

The Money Podcast

Play Episode Listen Later Aug 17, 2025 17:59


Fear of losing money in Stocks? You're not alone - but day-trading isn't the answer. Learn to invest safely in just 5 minutes a day.

Money Box
Water Meters and Cash ISAs

Money Box

Play Episode Listen Later Aug 8, 2025 24:46


Money Box can exclusively reveal there has been a sharp rise in the number of people applying to have water meters fitted to try to bring their bills down. The data has been shared with this programme by the Consumer Council for Water, the CCW, the which speaks for water consumers in England and Wales. It comes after record April price rises for water with average bills rising more than £120 to over £600 per year. Cash ISAs appear to have been reprieved - at least for now. Until Friday morning there was widespread speculation that the Chancellor might announce on Tuesday that the amount you could put into a cash ISA would be slashed from £20,000, perhaps to as little as £4000. The idea was that would fit in with government plans to encourage investment by nudging people with £20,000 to spare to use the rest of their tax free ISA allowance to invest in shares instead. However, Money Box understands that won't happen - certainly not on Tuesday when Rachel Reeves gives her annual Mansion House speech to the City of London. We'll look at what that might mean.And what does a major ruling on a divorce case in the Supreme Court mean for how wealth is split between couples in the future?Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 12th July 2025)

Stuff That Interests Me
Game Over for Bitcoin Treasury Companies?

Stuff That Interests Me

Play Episode Listen Later Aug 6, 2025 4:50


This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comThe UK Financial Conduct Authority has announced that it is loosening its anti-bitcoin stance. From October 8th retail UK investors will now be able to buy bitcoin ETFs.Finally.The ban came in with bitcoin at $5,000. Today it's $115,000. That's $110,000/coin UK investors have been protected from. Great job guys. Where will it be on October 8th? Who knows.Does this announcement mark the top of the market for bitcoin? There would be a poetic irony if it did, but it won't. Bitcoin is so much bigger than the FCA.At present, it does not even look like a case of buy the rumour, sell the news. Bitcoin has actually sold off a few percent since the announcement.But this change in tack is going to have a huge impact. It's about a lot more than British retail investors. It's global.It's going to have an impact on the bitcoin treasury companies around the world, and it's going to have an impact on the bitcoin price itself.Here's why.We'll start with the announcement itself from David Geale, executive director of payments and digital finance at the FCA:'Since we restricted retail access to cETNs, the market has evolved, and products have become more mainstream and better understood. In light of this, we're providing consumers with more choice, while ensuring there are protections in place. This should mean people get the information they need to assess whether the level of risk is right for them.'Blah blah, waffle waffle. Absolutely no ownership of the FCA's calamitous regulation whatsoever. Fortunes have been lost to British investors because of the FCA. How is it these bodies are so totally unaccountable? Perhaps everyone who was involved in that decision should be made to compensate British investors for their loss of earnings."We're providing consumers with more choice,". Please. There's gaslighting for you right there.Moving on.NB Don't forget my brilliant book about bitcoin, if you want to learn more about the space.There is also my new book The Secret History of Gold, which comes out later this month. Amazon is currently offering a discount, so order yours now. Obviously, UK investors are now going to be able to buy bitcoin ETFs through their brokers, which means we can hold them in our SIPPs and ISAs. I gather there is roughly £3 trillion in UK pensions, £750 billion in ISAs, £500 billion in SIPPs and quite a bit more in other brokerage accounts. So that is a lot of capital that can now come into bitcoin which previously could not.But there is a lot more to it than that.The institutional floodgates are about to open. Former HSBC fund manager and ByteTree CEO, Charlie Morris, who knows this world as well as anyone, has this to say.The lifting of the ban by the UK regulator of bitcoin exchange traded products will have a far greater impact on the market than many believe. It's not just retail but institutions too. Many funds around the world are connected to London whether it be custodians, administrators, distribution, or trade execution. The ban meant that a single touchpoint with the UK would prevent allocation to bitcoin. From 8 October, this will no longer apply. Not only will U.K. retail investors boost demand for bitcoin ETPs, but a far bigger deal will be the opening up to institutions and funds around the world. It's a monumental moment for bitcoin which will become a global institutional asset over the next decade.(By the way you should subscribe to Charlie's newsletters. They're excellent. There are free and paid options. Here's the link).You saw my piece a few weeks ago about the global shadowbanning of bitcoin. London and the FCA had a huge role to play in that. One example: a banker I know in Zurich could not buy bitcoin products for one of his high net worth clients because of the ban. He was by no means alone. We have taken a step forward to the lifting of the shadowban, though not the final step by any means. As we noted, the funds buying bitcoin are still the 'pirates' rather than the big players, but this is still a move towards the legitimisation and normalisation of bitcoin.If bitcoin can get to something like 2% of portfolios worldwide, which it eventually will, well woof is all I can say.What about the treasury companies? What next for them?

Always An Expat with Richard Taylor
54: A Story Of Good Intentions, Bad Investments, And Why Doing “Some Research” Isn't Enough When You're Living Between Tax Systems. | From The Trenches With James Boyle

Always An Expat with Richard Taylor

Play Episode Listen Later Aug 6, 2025 49:22


Richard and James are back with more cautionary financial tales. Richard Taylor, founder of Plan First Wealth, recently spoke to a connection who “had done a bit of research, learned that mutual funds were a problem, hadn't learned what PFICs were, and switched out of a mutual fund into an investment trust... thinking he'd dodged the problem, but in fact he'd gone from one PFIC to another.” What was the result? And why is it such a problem? You'll find out in this episode of From The Trenches.Richard and James share real-world stories that highlight how easy it is to fall into tax traps when dealing with cross-border investments, especially for UK expats living in the US. You'll hear how well-meaning financial decisions can backfire without the right context or professional advice, particularly around things like ISAs, investment trusts, PFIC reporting, and the long-term implications of missing forms like 3520 and 8621.Plus, expert advice and insight into retirement readiness. Richard and James explores what changes when you stop earning, why even successful DIY investors often hand over the reins, and how complex planning becomes when you're managing assets across two tax systems. If you're a Brit in America navigating retirement, tax compliance, or residency decisions, this episode will help you avoid costly mistakes, understand the emotional weight of retirement planning, and see the real value of cross-border financial advice.We're the Brits in America is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.

The Flying Frisby
Game Over for Bitcoin Treasury Companies?

The Flying Frisby

Play Episode Listen Later Aug 6, 2025 4:50


This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comThe UK Financial Conduct Authority has announced that it is loosening its anti-bitcoin stance. From October 8th retail UK investors will now be able to buy bitcoin ETFs.Finally.The ban came in with bitcoin at $5,000. Today it's $115,000. That's $110,000/coin UK investors have been protected from. Great job guys. Where will it be on October 8th? Who knows.Does this announcement mark the top of the market for bitcoin? There would be a poetic irony if it did, but it won't. Bitcoin is so much bigger than the FCA.At present, it does not even look like a case of buy the rumour, sell the news. Bitcoin has actually sold off a few percent since the announcement.But this change in tack is going to have a huge impact. It's about a lot more than British retail investors. It's global.It's going to have an impact on the bitcoin treasury companies around the world, and it's going to have an impact on the bitcoin price itself.Here's why.We'll start with the announcement itself from David Geale, executive director of payments and digital finance at the FCA:'Since we restricted retail access to cETNs, the market has evolved, and products have become more mainstream and better understood. In light of this, we're providing consumers with more choice, while ensuring there are protections in place. This should mean people get the information they need to assess whether the level of risk is right for them.'Blah blah, waffle waffle. Absolutely no ownership of the FCA's calamitous regulation whatsoever. Fortunes have been lost to British investors because of the FCA. How is it these bodies are so totally unaccountable? Perhaps everyone who was involved in that decision should be made to compensate British investors for their loss of earnings."We're providing consumers with more choice,". Please. There's gaslighting for you right there.Moving on.NB Don't forget my brilliant book about bitcoin, if you want to learn more about the space.There is also my new book The Secret History of Gold, which comes out later this month. Amazon is currently offering a discount, so order yours now. Obviously, UK investors are now going to be able to buy bitcoin ETFs through their brokers, which means we can hold them in our SIPPs and ISAs. I gather there is roughly £3 trillion in UK pensions, £750 billion in ISAs, £500 billion in SIPPs and quite a bit more in other brokerage accounts. So that is a lot of capital that can now come into bitcoin which previously could not.But there is a lot more to it than that.The institutional floodgates are about to open. Former HSBC fund manager and ByteTree CEO, Charlie Morris, who knows this world as well as anyone, has this to say.The lifting of the ban by the UK regulator of bitcoin exchange traded products will have a far greater impact on the market than many believe. It's not just retail but institutions too. Many funds around the world are connected to London whether it be custodians, administrators, distribution, or trade execution. The ban meant that a single touchpoint with the UK would prevent allocation to bitcoin. From 8 October, this will no longer apply. Not only will U.K. retail investors boost demand for bitcoin ETPs, but a far bigger deal will be the opening up to institutions and funds around the world. It's a monumental moment for bitcoin which will become a global institutional asset over the next decade.(By the way you should subscribe to Charlie's newsletters. They're excellent. There are free and paid options. Here's the link).You saw my piece a few weeks ago about the global shadowbanning of bitcoin. London and the FCA had a huge role to play in that. One example: a banker I know in Zurich could not buy bitcoin products for one of his high net worth clients because of the ban. He was by no means alone. We have taken a step forward to the lifting of the shadowban, though not the final step by any means. As we noted, the funds buying bitcoin are still the 'pirates' rather than the big players, but this is still a move towards the legitimisation and normalisation of bitcoin.If bitcoin can get to something like 2% of portfolios worldwide, which it eventually will, well woof is all I can say.What about the treasury companies? What next for them?

The Meaningful Money Personal Finance Podcast
Listener Questions - Episode 20

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Jul 30, 2025 39:11


It's another full show of questions, ranging from assumed growth rates for investments, to Save As You Earn schemes to retirement cash buffers, and much more besides!   Shownotes: https://meaningfulmoney.tv/QA20    01:21  Question 1 Hi to you both. Absolutely love the podcast and Pete's book. The information in both has made a huge difference to my understanding of what to do with my finances. My question is about expected returns when investing in equities. If often hear people use 5% growth as a estimate to use when predicting possible future values of an investment. But from what I can see (and I could be wrong!) The global stock market has averaged around 8-9% over the last 20 years. This obviously makes a huge difference to the total expected value when compared to 5%. I currently have a DB scheme pension through the fire service, so I do my 'extra' investing through a S+S ISA global index fund with 100% equities which has averaged 8.5% over the last 8 years. I am happy with a higher risk level as I have the DB pension from the Fire Service. Am I missing something with my numbers? Thanks again for all the great information. I have recommended you to many of my friends. Kind Regards James W 08:22  Question 2 Hi Pete and Roger, Thank you so much for your contribution to making the world a better place. Your passion for sharing and educating everyone is inspiring. I have a question about our Save As You Earn Scheme maturing this year. I'm lucky enough that (at the current price) I'll get a total return of > £20k at maturity in November. Not counting my chickens, but I'd like to plan the most tax efficient way of receiving these funds. The SAYE provider offers a flexible ISA to receive the shares. Could I transfer enough shares for £20k into the ISA, sell and withdraw enough cash to make space to then transfer the rest of the shares to avoid any CGT? Alternatively, could I exercise the option in March and partially transfer into an ISA across the tax year end? Are there any other mechanisms I could use to minimise tax? Thank you again for all of your hard work. Priten 15:01  Question 3 Hi Team Long time listener and YouTube viewer, heck I even watched a video when Pete wore a tie! Your podcasts have made me change my pension default funds, increase my salary sacrifice (really affects take home pay a lot less than people think!) and generally have confidence in my future. Thank you! Question: When I do finally decide to retire I'm planning a 1-2 year cash buffer for any market disasters that may happen.  But when would you say to use this?  The markets always move up and down a bit but should I use the cash buffer if they drop 3%, 5%, 10%?  And then if I've taken 1 years worth of income from the buffer how do I rebuild the buffer?  For example I'm targeting a pension drawdown of around £45K per year to keep below 40% tax.  But if I've just used up the buffer then I'll be taxed 40% on taking out extra to rebuild it, so why bother as any downturn is very likely to be smaller than 40%!  Wouldn't it just make sense to take out less in a downturn than get taxed 40% to rebuild a buffer? Thanks for all the podcasts! Simon Doig Halifax (but was in Cornwall!) 213:33  Question 4 Hi guys Podcast question for you please: "I've been a listener for ages, and so I have started to do the good things you suggest. I had a workplace pension (local gov DB) but now I have AVC's, a SIPP, and an S&S ISA, as well as a savings account and life insurance/ critical illness cover. Thank you. I am making contributions monthly to my pension and ISA but the gist of my question is, is it worth it if I'm only saving small amounts? This is the most I feel I can save without compromising my lifestyle, but it feels small. I'm 31 and so I'm prioritizing available cash in savings accounts for things like, new cars, boiler breakdowns and hopefully having a baby. I'm saving £80 a month into my ISA & £60 a month into my pension. Occasionally I did in extra bits when I feel I can afford it. Is this worth it, is it enough? Is it not worth bothering if I'm not saving in bigger chunks? Thanks so much - from Bianca 25:33  Question 5 Hi Pete & Roger, I have been listening to your podcast for some time and love your chat and sensible and pragmatic “advice” especially when walking my dog. I feel I'm quite knowledgeable but always pick up pearls of wisdom from you both. My wife and I have over £300k in GIAs having maximised our ISAs since around 2009. This is all in Scottish Mortgage (I'm sure you appreciate any withdrawals are 80% gains as we bought around £2). We sold all our Scottish Mortgage in ISAs near the £15 peak which was lucky and allows us to sleep at night as we are more diversified- mainly vanguard index funds.  You have mentioned taking the CGT hit each year and moving money to ISAs however I'm not convinced that would make sense for us. Assuming we sold around £24k each of our Scottish Mortgage GIA each year that would give us around £20k each to move into our ISAs however we would pay around £4k each in tax (24% CGT rate). My thinking is that it will take a long time to make that up via better tax treatment in an ISA. So far my plan is to hang on until we are retired and can pay a lower rate of CGT on any gains plus there is a chance a future Government (not one I would vote for myself) may increase the £3k tax free allowance. Also if we left it all in the GIA as inheritance to our daughter (as we may not need it ourselves) would she potentially pay IHT on it and no CGT would ever be paid? We are 54 and hope to retire by 56. Many thanks. Paul 32:05  Question 6 Hello Pete & Roger Fabulous podcast and I binged Pete's new book in one sitting-the best investment I'm ever going to make! I love the concept of the cashflow ladder. I'm in my early 50's and in the University hybrid pension scheme with a great DB component and a decent projected DC pot. I can select appropriate funds for each timeline tranche within my providers system. When I come to access the DC component (limited to up to 4x UFPLS per year only-no FAD), the provider doesn't allow the draw from each pot independently so it's impossible take money only from the fund I'm targeting at that point. The fees in the current scheme are subsidised to 0% by the scheme. What kind of broad principles should someone weigh up when thinking about the flexibility advantage vs the cost of transfer to get that flexibility? Thanks, Duncan

Extra classe
Initiation aux sciences aéronautiques et spatiales, une option unique en France - Les Énergies scolaires #174

Extra classe

Play Episode Listen Later Jul 23, 2025 8:52


Transmettre un savoir avec passion, faire briller les yeux des élèves, c'était le rêve de Frédéric Martin, professeur de physique-chimie au lycée Jean-Jacques-Henner à Altkirch en Alsace. Après avoir mené plusieurs projets autour de l'espace avec ses classes, c'est toute une option dédiée aux sciences aéronautiques et spatiales qui s'est créée avec le talent de plusieurs professeurs, dont un professeur de français et pilote d'avion qui fait passer le brevet d'initiation aéronautique aux élèves de l'option. Qu'est-ce qui attend les élèves de cette option ? Météorologie, aérostatique, étude des aéronefs, visite de bases aériennes ou encore contacts avec le monde de la recherche et de l'industrie sont au programme. Un épisode à écouter allongé dans l'herbe pendant vos nuits des étoiles !Et nous vous rappelons qu'il y a désormais Entre profs, le nouveau rendez-vous Extra classe le premier mercredi de chaque mois, qui propose de répondre en moins de 3 minutes aux questionnements et problématiques rencontrés tout au long de l'année.Vous aussi, vous avez des questions ? Envoyez-les-nous !Extra classe à écouter et à partager sur toutes vos plateformes d'écoute :https://smartlink.ausha.co/extra-classeExtra classe, des podcasts produits par Réseau Canopé. Émission préparée et réalisée par : Mathilde Fénétrier Directrice de publication : Marie-Caroline Missir Coordination et production : Hélène Audard, Magali Devance Mixage : Laurent Gaillard Voix additionnelle : Magali Devance Contactez-nous sur : contact@reseau-canope.fr © Réseau Canopé, 2025Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Real Estate Team OS
[SUMMIT] Rapid-Fire Real Estate Wisdom

Real Estate Team OS

Play Episode Listen Later Jul 22, 2025 26:45


We're just a few weeks removed from our first-ever Summit Series on Real Estate Team OS.  In that series, we met and learned from 10 different real estate professionals from four teams in the same market. These team leaders, operations leaders, and real estate agents talked through a variety of helpful topics in mastermind-style conversations.Each sitting was three hours long. So I broke it up with some fun Speed Rounds. And that's what this episode is comprised of! Three Speed Rounds! We don't always adhere to the format, but you'll definitely find yourself entertained, provoked, and informed. And what are your answers to some of these? Leave a comment or reach out!Team Leaders:- ISAs, no ISAs, and why- VAs, no VAs, and why- A TV or movie character you'd immediately welcome onto the team as an agent- A powerful negotiation tip- One of the best or worst closing gifts you've ever given- One word to describe the team-building journeyOperations Leaders:- ISAs, no ISAs, and why- VAs, no VAs, and why- A TV or movie character you'd immediately welcome onto the team as an agent- Something agents often ask for that you know they'll never use- An empty promise you wish you'd stop hearing from vendors- Something you're personally fascinated byAgents:- One feature you wish you saw in more homes- One word you'd love never to see again in a listing description- A powerful question to ask in client discovery- One of the best or worst closing gifts you've ever given- What you'd do first if you only had 24 hours to sell a house- Something you're personally fascinated byWe recorded these episodes at The Creator House, a studio in Orlando created and run by our friends at Sweet Fish Media.In case you missed any of the series:→ Preview Episode: The Role of AI vs The Role of Agents→ Team Leaders: When, How, and Why We Started Our Teams→ Team Leaders: How Our Teams Create Growth Opportunities with Agents→ Ops Leaders: How Our Teams Keep Agents Productive at Scale → Ops Leaders: How Our Teams Recruit, Train, and Retain Agents→ Agents: Successful Team Agent vs Successful Solo Agent → Agents: Seller Communication and Social Media Strategies for Today's Market Sign up for subscriber-only episodes and email-exclusive insights: https://realestateteamos.com/subscribeFollow our Summit Series guests: → Jenny Wemert https://www.instagram.com/jennywemert/→ Renee Funk https://www.instagram.com/renee_funk/→ Ben Laube https://www.instagram.com/benlaube/→ Ken Pozek https://www.instagram.com/kenpozek/→ Emily Smith https://www.instagram.com/emily_t_smith/→ Gio Sanginesi https://www.instagram.com/gio407realtor/→ Tony Galarza https://www.instagram.com/tonygalarza_realtor/→ Matt Anderson https://www.instagram.com/matthewandersonproperties/→ Nick Nelson https://www.instagram.com/nicknelsonhome/→ Bree Tucker https://www.instagram.com/breeinorlando/Follow Real Estate Team OS:→ https://www.realestateteamos.com→ https://linktr.ee/realestateteamos→ https://www.instagram.com/realestateteamos/

AJ Bell Money & Markets
Inflation on the rise, FTSE hits 9,000, and the Chancellor announces sweeping reforms to financial services

AJ Bell Money & Markets

Play Episode Listen Later Jul 17, 2025 51:49


In this week's AJ Bell Money and Markets podcast, Laith Khalaf and Tom Selby dive into what's been moving in markets, from the FTSE hitting 9,000 [01:17] to Bitcoin hitting a record high [04:10]. We'll also be talking through the latest inflation figures to come out of the UK and US and what that might mean for interest rates [11:25]. The Chancellor has delivered her annual Mansion House speech to the city, and there were a lot of big changes announced. Laith and Tom discuss ISAs [14:52], boosting retail investing and changes to the banking and mortgage market [29:42]. Finally we have an interview with Lynda Shillaw, CEO of the property development company, the Harworth Group, about trends in the sector and Harworth's promotion to the FTSE 250 [34:20].

Stompcast
Pt 3: Why Building Your Wealth Isn't Selfish - It's Smart | Abigail Foster

Stompcast

Play Episode Listen Later Jul 16, 2025 28:52


In part three, Abigail Foster unpacks the different types of ISAs, why wanting to build your wealth isn't greedy and reveals why your investment portfolio shouldn't look identical to anyone else's…Plus, Abigail and Dr Alex George discuss how to find a bank that works for you and why you should proceed with caution when investing into cryptocurrency.Follow @abigailrosefoster and buy her book ‘The Money Manual: Everything You Actually Need to Know About Personal Finance' through our affiliate bookshop - you'll help fund Stompcast by earning a small commission for every sale. Bookshop.org's fees help support independent bookshops too! Preorder Happy Habits hereFollow the podcast on Instagram @thestompcastGet the new, pocket guide version of The Mind Manual nowDownload Mettle: the mental fitness app for men Hosted on Acast. See acast.com/privacy for more information.

Merryn Talks Money
Cash ISAs, Booming Bitcoin and Mansion House

Merryn Talks Money

Play Episode Listen Later Jul 16, 2025 15:52 Transcription Available


John Stepek is on holiday YET AGAIN. So on this week's market roundup, Bloomberg's Morwenna Coniam, who is part of the team that runs the UK Markets Today blog, joins Bloomberg UK Wealth Editor at Large Merryn Somerset Webb. They discuss UK inflation unexpectedly rising to 3.6%, its highest level since January 2024, and why it's a headache for BOE Governor Andrew Bailey. Plus, a debrief on Chancellor Rachel Reeves' Mansion House speech, the debate around Cash ISAs, and Bitcoin's surge in price thanks to "Crypto Week" in the US. See omnystudio.com/listener for privacy information.

Coffee House Shots
Are you a 'working person'?

Coffee House Shots

Play Episode Listen Later Jul 14, 2025 9:37


Tomorrow Rachel Reeves will deliver her big speech in the City. The annual Mansion House address is a chance for the Chancellor to set out her vision for the British economy. But amid a gloomy set of economic indicators (including two consecutive monthly GDP contractions) it is difficult to see what good news she can offer.Westminster would be alive with speculation about what she might announce – initially, there was talk of reforms to cash ISAs; now, attention has turned to the prospect of Reeves promising a ‘new Big Bang' by slashing regulation on financial services – however everyone is busy trying to work out who are the ‘working people' the Labour government has pledged not to raise taxes for?Are they – as Heida Alexander argued over the weekend – ‘people on modest incomes'? Or, as Darren Jones suggested today, ‘anyone that gets a payslip, basically'? That is quite a difference in definition – so who exactly is a ‘working person'?James Heale speaks to Tim Shipman and Michael Simmons.Produced by Oscar Edmondson.We are hosting a Coffee House Shots live tomorrow (15th July) at The Emmanuel Centre in Westminster. Join Tim Shipman, Michael Gove and Isabel Hardman to debate: Are the Tories toast? Click here for tickets.For more Spectator podcasts, go to spectator.co.uk/podcasts.Contact us: podcast@spectator.co.uk

Money Tips Podcast
Buy-to-Let Propery vs Stock Market: What's Really Better in the UK?

Money Tips Podcast

Play Episode Listen Later Jul 10, 2025 18:01


Property or Stocks – Which Is The Best Investment For You? In today's Money Tips Podcast, we're diving into one of the most common questions UK investors ask: “Should I invest in property or the stock market?” Both have made millionaires — but which one is right for you?

Ask Martin Lewis Podcast
Free £1,000 a year for wannabe first time buyers | Will cash ISAs be cut | LISA v Pension

Ask Martin Lewis Podcast

Play Episode Listen Later Jul 3, 2025 58:14


Martin looks at Lifetime ISAs, after a report was published by the Treasury Committee on the future of the first time buyers savings account, he explains the basics of them and answers questions on who they are good for, who they don't work for and when is the best time to open one.Energy bills dropped 7% this week, Martin explains what people should be doing, and most importantly what happens next.Martin reacts to reports the Chancellor is to drop cash ISA allowance in her Mansion House Speech on 15 July.Mastermind tests if Adrian knows when you are covered by Section 75 Consumer protection.And there's a new top savings account that's a bit different isn't there?

Stuff That Interests Me
The UK Investor: Protected from Profits Since 2020

Stuff That Interests Me

Play Episode Listen Later Jun 25, 2025 6:51


This is a free preview of a paid episode. To hear more, visit www.theflyingfrisby.comOh, my goodness me. I don't think I've ever seen volatility like it.We have a huge speculative bubble on our hands, and it's popping.What's more, this bubble is full of chancers, charlatans and chief executive officers.The Mail has got onto the story. That is not a good sign. If I told you ten days ago that the price of a share you just bought would rise from 6p to 40p in a week, you'd be pretty happy.Then again, if I told you on Monday that something you owned was going to drop by 60% the following day, you'd be pretty unhappy.That's what happened with the UK-listed bitcoin treasury companies.Nobody said it would be easy.Today we are going to try and make some sense of what is going on. We have a comprehensive list of all the UK companies jumping on this nutty bandwagon. And, most importantly, we consider what to do next.Let's start with a timely reminder: owning a speculative bitcoin treasury company is not the same as owning bitcoin. One is a crazy speculation, the other is the future money system of the world. Bitcoin treasury stocks ≠ bitcoinI hope that is clear.Now a rant.The Great British FCA Crypto FarceI'm looking at the price of Coinsilium (AQUIS:COIN) this morning. It is ranging from 60p to 30p, i.e. doubling and halving. This situation means the beloved UK market makers might be creaming off enough money to keep them in caviar and truffles for the foreseeable future, but the ordinary retail investor is getting hammered.In the course of 7 trading days, Coinsilium has gone from 6p to 90p to 30p.The bitcoin price, meanwhile, is pretty much unchanged.This situation is almost entirely a creation of the FCA, with its decision to “protect” UK investors from the dangers of cryptocurrencies. That protection began in 2020 when bitcoin was $5,000. Today it's $105,000. That's a $100,000 per coin increase—a 21x or 2,000% gain—UK investors were protected from.Remember UK Chancellor Rishi Sunak spinning his “Britcoin” BS?“It's my ambition to make the UK a global hub for cryptoasset technology, and the measures we've outlined today will help to ensure firms can invest, innovate and scale up in this country.We want to see the businesses of tomorrow – and the jobs they create – here in the UK, and by regulating effectively we can give them the confidence they need to think and invest long-term.This is part of our plan to ensure the UK financial services industry is always at the forefront of technology and innovation.”Nobody told the FCA! How was any of that even remotely possible when the FCA had banned the sale of crypto derivatives to UK consumers, and effectively regulated cryptoasset technology out of existence in the UK?Did the two departments even speak before he trotted out that rollocks?Of course they didn't. They are different departments.It's as though the UK government is inherently incompetent.Remember UK Chancellor George Osborne publicising himself buying bitcoin at an ATM? The FCA made ATMs illegal.Remind me. Who voted for the FCA? Or indeed Ofcom? Or Ofsted?Why do these bodies have such extraordinary power?It's enough to make you a libertarian.In any case, we now have this situation of extraordinary pent-up demand, built up over many years, with hundreds of billions of pounds in ISAs and pensions wanting exposure. The result is this insane volatility in UK bitcoin treasury companies.Smarter Web Company (AQUS:SWC) went from 2.5p to above 600p, giving it a market cap over a billion. It has just £45 million in assets. Great work, FCA.Today it's sitting just below 300p.Japan has similarly prohibitive anti-bitcoin regulations, and has thereby created the market leader in this second wave of bitcoin treasury companies, Metaplanet (3350:TYO). (Strategy (NASDAQ:MSTR) was the leader in phase one.)The Japanese company announced this week that it has raised another $500 million, with which it is going to pay down its 0% debt and buy more bitcoins. Why is it paying down its debt? Presumably to clean up its balance sheet so it can raise further capital on better terms to buy more bitcoin (it has targeted 1% of total supply, which would be 210,000 bitcoin). The Japanese market is starved of bitcoin access. Metaplanet is exploiting this situation.Despite a flat bitcoin price, there was a worldwide sell-off of treasury companies starting on Monday. The sell-off coincided, as these things always seem to, with coverage in the mainstream press. In this case, the Mail marked the top with a piece on the Smarter Web Company.Pretty much all the treasury sh1tcos are now down 50–70%. Is that it? Game over? Or was that just phase one?I've seen this play out many times over the years. I've seen it with uranium sh1tcos in 2006, gold junkcos, silver rubbishcos, graphite flybynights, helium hotaircos and moreIt doesn't take a genius to work out where all this is going, and a lot of people are going to make a lot of money. A lot more are going to lose a lot of money. These things are not necessarily going to zero - they will have bitcoin on their balance sheet. But when bitcoin has one of its biennial corrections, they are going to get crucified.But we are also going to see a new corporate model emerge as a result.It's dotcom, basically. But which companies will be the Amazons and Microsofts? And which are Pets.com and ClickMango?Every day we are hearing news of another company “pivoting” - who invented that awful word? - into a bitcoin treasury company. It is all happening very quickly.Here's a list of the UK companies getting in on the game. Then we will look at what to do next .Meet the Players. Should I say, '‘Monkeys”?In addition to Smarter Web Company (AQUIS:SWC) and Coinsilium (AQUIS:COIN) we have:

Stuff That Interests Me
Portable Wealth in a Wobbly World

Stuff That Interests Me

Play Episode Listen Later Jun 22, 2025 9:28


I am writing today's dispatch from Prague Airport, on my way back to Blighty.What a splendid city Prague is, and what a lovely bunch the Czechs are.It feels like this is still very much a high-trust society. Twice I left my bag in public places – full of very nickable laptop, passport and other gubbins – and both times I came back to find my bag untouched, but safely put to one side. At night the city felt safe. It was very clean – I actually started looking out for litter and I couldn't see any anywhere, whether in the centre or the suburbs, where I was staying. I always think litter – or lack thereof – is a good indicator of how much people really care about their surroundings, how loyal to and invested in their area they feel, and, indeed, how well brought up they are.The Czechs were lovely: polite, hard-working, respectful, full of ambition and drive, and good looking.The story is that Hitler went to university in Prague and loved the place that so much that, when the Nazis invaded in 1939, he ordered that the city should not be bombed but preserved. I heard the story last time I was here, and heard it again this time. But then I just fact-checked this story and apparently it is total rollocks - Hitler never went to university anywhere, nor did he visit Prague. Perhaps the city survived because the Czechs decided not put up any resistance, so the Nazis went unopposed, which meant they didn't need to bomb anything.In any case, the city is preserved and you can feel the history as you stroll about the stunning centre. It makes you cry for all the cities that did get flattened in WWII and the memories that disappeared with them.The food was lovely. So was the beer. I even had a couple. All in all, travel, board and lodging cost half of what they do in London, I'd say, at a guess.Just as I did last time I was here, I came away enamoured with the place, feeling that I must come back soon.As for the conference itself, BTC Prague, there were a few GenXers and Boomers – including my new friends Larry Lepard (check out his book), James Lavish (check out his fund) and George Bodine (check out his art) – as well as myself – but 85%+ of attendees were under 50, I'd say, with a large chunk under 30.If you are young, starting out and wondering what to do, I would urge you to get involved with the Bitcoin movement. There are so many different ways to do so, depending on where your talents, skills or interests lie. You can be artist, scientist or journalist, engineer, entrepreneur, traveller or surfer-dude. It really doesn't matter. You'll find a path that suits you. It all feels so dynamic and full of opportunity. It's brim full of doers. Everyone is so supportive. There is plenty of capital to invest. You can make quick progress.Another thing to note: there are a lot of extremely clever people in this movement. Average IQ levels in Bitcoin are, I've little doubt, much higher than you typically find elsewhere.Conversation, naturally, was dominated with talk of the bitcoin treasury companies, and the incredible price action we are seeing there. To use the baseball analogy, which innings of 9 are we in? I generally made the case that we are in perhaps 5 or 6, with Michael Saylor and MicroStrategy (NASDAQ:MSTR) in 2020 having been innings one. Some of the old-timers - who, it has to be said, have missed this particular wave - dismissed it as the ICO or DEFI craze of this cycle. They may have a point.But James Van Straten, the bright young mind behind the transformation of Coinsilium (AQUIS:COIN), told me in no uncertain terms that, as far as the UK is concerned, ball one of innings one has only just be thrown. There is £1.2 trillion of capital in UK pensions and ISAs and, thanks to the FCAs anti-bitcoin rulings, several years of pent-up demand. We shall see.What's different between this and ICO/DeFi madness is that the bitcoin treasury companies are holding something real and strong, while the narrative is only just getting going.People were very kind about my presentation, and I got asked to do a second one the following day, which I hurriedly wrote. I'll share both with you as soon as I get the vids, but my main arguments were:* With the changing nature of the global workforce, the rise of the gig and freelance worker, especially the digital nomad (billions of people will soon be on the move), demand for borderless money and portable wealth is inevitably going to grow.* Save strong currencies; spend weak ones.* By investing in bitcoin (the currency), you benefit from the cumulative, combined IQ of everyone involved in Bitcoin (the movement).* With such extraordinary potential, the risk is not so much owning bitcoin as not owning it.As you would expect from someone with my chequered past, I threw in lots of jokes as well.Join this amazing movement.But the main event was the Michael Saylor presentation on Saturday afternoon.My goodness me, the 60-year-old former aerospace engineer has become a rock star. He was mobbed. He stood there in the entrance hall, patiently smiling for 90 minutes, with a circle of people around him 10-deep, all wanting selfies. The frenzy did not relent, and eventually his bodyguards had to usher him away so he could prepare for his presentation.That same presentation will no doubt be doing the rounds on the internet over the next few days, and I urge you to watch it, but I will summarise his main points here.Saylor, his usual intense, charismatic self, first observed just how far bitcoin has come over the past 12 months. Up about 70%, it has, yet again, outperformed gold, bonds, stocks and real estate. The White House has said it wants to make the US the bitcoin capital of the world. The new US administration is extremely pro-bitcoin – he went through the key players one by one. With the ETFs and increasing institutional adoption, bitcoin is altogether more normalised and legit.He spoke about how he wished he had got involved in 2013, when he first heard about bitcoin, rather than in 2020, but he also made the point that bitcoin still only makes up less than 1% of global capital and that this share will inevitably grow. 99% of global capital doesn't know about it yet and so, even buying now, you're ahead of 99% of capital.Then he began to speak about where this growing monetary network is going. Bitcoin will continue to outperform stocks, gold, bonds and real estate, as it inevitably grows to occupy a larger slice of the global capital pie. Twenty-one years from now, it's going to be $21 million a coin, he said. There is, therefore, an opportunity to change the destiny of your family for generations to come. You create the future, he said.To deal with the drawdowns and the crypto winters, be like a seasick sailor: keep your eyes on the horizon. On the bigger picture. Saylor outlined several strategies to grow your bitcoin position and showed how rich each would make you in 21 years. The lowest-risk method is to dollar cost average (DCA) – buy a set amount each month and each year. But to increase your gains, use leverage. Use it wisely of course: keep interest payments low, fixed and long duration. Otherwise, you risk debt servitude and will end up with nothing.The principle is to borrow weak currencies, which lose value, and use the money to buy the strongest currency of the lot, which will inevitably gain in value. The gains you make will be extraordinary.I urge you to watch the presentation when it comes out, as he details the different strategies – and then shows the different outcomes.Using:* DCA* Leverage* DCA + leverage* In the case of companies, issuing stock to buy bitcoin* Issuing stock and using DCA + leverageIt will turn you into a total bitcoin head, I guarantee.But that's all for today.I'll be back mid-week with more commentary. I'm attending Swen Lorenz's Weird Sh1t Investing Conference on Tuesday so there will no doubt be lots of good ideas in there. I'll also update you on my conversation the day before yesterday with Eric Semler, Chairman of bitcoin treasury company, Semlar Scientific (NASDQ:SMLR). Semlar has been eclipsed in performance by the (once) smallcap UK bitcoin treasury companies - Smarter Web Company (AQUIS:SWC), Consillium (AQIS:COIN) and Helium Ventures (AQUIS:HEV.PL), but it is lower risk and better value given it is trading at the actual value of its bitcoin holdings and looks set to enjoy a decent run should bitcoin catch a bid.If you enjoyed this article, please like, share - all that stuff. It helps.Until next time,DominicPS Here's this week's commentary in case you missed it:DisclaimerI am not regulated by the FCA or any other body as a financial advisor, so anything you read above does not constitute regulated financial advice. It is an expression of opinion only. Tech stocks are famously risky, , so please do your own due diligence and if in any doubt consult with a financial advisor. Markets go down as well as up. I do not know your personal financial circumstances, only you do, but never speculate with money you can't afford to lose. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Commerce Code
Episode 186C: Intelligent Shopping Agents: What Do They Mean for Loyalty, Marketing, Google, Amazon and the Future?

Commerce Code

Play Episode Listen Later Jun 19, 2025 29:27


EPISODE 186C:This is the third installment in our three-part series on intelligent shopping agents - an extended conversation with Shawn Conahan, Chief Revenue Officer at Wildfire Systems. In the first episode, Shawn laid out what ISAs are, and in the second episode we talked about how ISAs will affect payments, consumers and merchants. At the end of that episode, Dan had just asked Shawn how they would affect loyalty programs - and since Wildfire Systems is a key player in the loyalty market, Shawn's answer won't disappoint you - he's thought about this a lot, and his answer is thoroughly researched. Let's pick up the conversation where we left off. Shawn - what does this all mean for loyalty programs?

The Meaningful Money Personal Finance Podcast
Listener Questions Episode 17 - In Our 30's

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Jun 18, 2025 42:54


A bit of a themed Q&A this week, with some great questions from folks in their 30's. We cover share save schemes at work, large inheritances and retirement planning - yes, even in your 30's! Shownotes: https://meaningfulmoney.tv/QA17  01:29  Question 1 Hi Pete and Roger, First of all I wanted to say I'm a new but avid listener to the MM Podcast, I'm so glad I found it while I'm still (relatively) young,  I'm 39 and after years of making bad financial decisions the MM podcast has turned my attitude to money/investing and pensions on its head. I now relish the challenge of taking care of my finances rather than what felt like years of fighting against it. I wanted to ask a question regarding selling Investments vs taking a short term loan. I work for a large pharmaceutical company and as a perk of being an employee I pay into 2 share schemes through work. The one I'm thinking of selling is a plan whereby I'm limited to a certain amount a month I can pay in and whatever I pay in is matched by my employer, so half the shares in this scheme are free. Needles to say I pay the maximum into this to benefit from the BOGOF offer. I've recently had a large unexpected bill that even my emergency fund can't cover! And I wanted to know if selling the shares would be advisable over getting a 12 month loan? If I sell the shares the money will be paid to me through my next pay so it will be subject to tax and NI contributions, after a bit of number crunching I've worked out that what I'll pay back on the loan is a lot less than the tax and NI I'll pay on the shares, however it does mean being in debt for 12 months, but I'm reluctant to sell the shares as I'd earmarked it as a supplement to my pension. If this was cash sitting in an account then it'd be a no brainer but I'm sure that I've heard people advise against selling investments. Please could you help and offer some advice as I'm really not sure what's best as I do what to avoid debt too. Thanks in advance, Anthony 05:30  Question 2 Hi Pete and Roger Thank you so much for the podcast and content you put out - for free! - it's incredibly generous and has helped thousands of people including myself. I appreciate this is not a typical situation, but I am 30 years old and am due to inherit £500,000 (yes, really, though due to unhappy circumstances). Up until now (in no small part due to your content!) I've been confident managing my finances. I am single, and am just approaching becoming a higher-rate tax-payer as an NHS doctor. It is a stable job with a great pension and guaranteed pay progression. I have a £200,000 mortgage on my house which I am comfortably paying out of my salary. I also have a £10,000 cash emergency fund in place, and no other debt apart from my student loan. Due to the NHS pension (and the complexity of avoiding annual allowance breaches with a SIPP alongside a DB pension), I have favoured directing all my personal savings into my stocks and shares ISA rather than a SIPP, all in a 100% equities passive global tracker (currently about £60,000). I don't know what to do with this inheritance. I will put the first £50,000 in Premium Bonds. After that, I like the simplicity of £20,000 per year into the stocks and shares ISA in a passive global tracker. But in the short-term this still leaves a vast sum in cash. Even if I paid off the mortgage (which I'm unsure about, as I've had plans to spend on house renovations fairly soon), there is still a vast amount of cash left unsheltered. (First-world problems, granted.) I could pay for advice, but I would rather self-manage as I feel I don't want to do anything too complicated if someone could explain a simple strategy using a GIA. Option 1: GIA Is it easy to calculate the dividends on an accumulation global tracker fund? Should I ditch the simplicity of global trackers to find dividend-paying funds/investment trusts to try and pay less tax?  Option 2: Cash Option 3: Holding gilts to maturity Have I missed anything? Does it really matter whether I do Option 1 or 2 in the grand scheme of things? Any thoughts would be much appreciated! Kind regards, James 14:30  Question 3 Hi Pete (and Roge) Thanks for all you have done and continue to do on the podcast. I've now read both your books which I would warmly recommend to anyone. I've tried to keep this brief but tricky not missing out key details! My wife and I are in our mid 30s and have SIPPs invested in passive, 100% global equity, accumulation funds. With a reasonable time horizon, and stomach for volatility, we're very happy with this approach. We would like the option to retire as soon as we reach the Normal Pension Age minus 10years which we assume will be 60 by then if we assume the state pension age will rise to 70. Given this background, how do I pivot away from 100% equities to a cash flow ladder? My current thinking is to do the following: - 10 year prior to retirement buy a Gilt with a 10 year maturity - do this for following years working my way up the cashflow ladder - I would need to plan for what I would do if the market was down at any point during this period - perhaps something like - if down by >10% in a given year only sell enough equities to cover minimum expenses for the applicable year and hope for a recovery. This would seem like a reasonable hedge between being prepared and missing out on a recovery. Does this sound like a reasonable approach? What other approaches could I consider? I appreciate I wouldn't be acting upon this question til about 2039, ahead of retiring in 2049, but I guess that is a testament to how you have helped me with my financial planning. If you think this is too far out for planning when do you think I should revisit it? Thanks, Dave 21:02  Question 4 Dear Pete and Roger, I've been a faithful listener for some time and yours is one of the best financial podcasts in the UK. Thank you for all your hard work. I've recently read Pete's new book. Gosh, it was not a light read but it was extremely valuable to me. My question is whether it is worth stopping contributions to the NHS pension if the money is needed more now rather than in retirement. Me (34yo) and my husband (43yo) are in an incredibly privileged position where we have 800k pounds in our ISAs (majority) and SIPPs  and no debt. I love my NHS job and have no plans to leave it any time soon.  My husband couldn't care less for his work. We figured we would like him to retire soon so we can enjoy benefits of having a stay at home dad at home for our child. The problem is, we cannot live off my salary alone and will have to supplement it. I calculated that if he retired in 3 years we would have 3 years worth of cash to cover the shortfall, 5-6 if I have more take home pay due to not contributing to pension. Basically leaving the NHS pension would give us 2 extra years of not having to draw from our investments but would cost circa 1k of guaranteed annual income in retirement for every year of missed contributions, plus benefits - death in service etc. I just wonder if it is worth it for potential returns which are obviously not guaranteed.  Based on historical returns, allowing our investments to grow for 8 years will bring us to our FI number (25x annual expense). I feel this would be more valuable then having guaranteed income later in life. To me, being able to take out NHS pension in 34 years is completely abstract. I know you cannot give specific financial advise but I would love to hear your thoughts. Thank you in advance, Jane. 29:04  Question 5 Hi Roger and Pete, Love the podcast and have learnt so much! Thank you! I am 34 and have paid into the teacher's pension (TPS) for the last 8 years. For 5 years, I worked abroad and did not contribute to it. Living back in the UK, I am not sure how much longer I will be a teacher or eventually my school might even withdraw from it and offer a private pension instead. Missing 5 years of my pension whilst away, I did a few years whereby I increased my contributions using faster accrual from 1/57th to 1/45th of my salary, however I wasn't convinced this was actually going to make up for my lost contributions. This tax year, I decided to stop this and have now got back £300 a month into my salary. My question is whether I would be best to pay this £300 into a LISA (already have £1500 in there for my pension) or ditch this and pay it into a SIPP. I want to have access to some money if I retire early before I can access my TPS which I can imagine will be 70 by the time I am older. Thanks in advance. Rachel 32:07  Question 6 Hi Pete (and the fabulous Rodge) Me and my husband both listen to your podcast and absolutely love your content. We've gone from not really having a clue to having more than £50k between investments and savings for the first time this month, and we put it all down to you and your excellent advice. The question I have is about raising our children with good money attitudes. You like to say "your attitudes towards money are set by the time you're 7", and that makes me think about my kids, who are currently 1 and 3. Me and my husband are both second children, and couldn't be more different from our older siblings in terms of money attitudes. Both our older siblings are spenders, and both in significant amounts of bad debt, making what we would consider poor financial choices. On the flip side, we are both savers, sometimes to the point of unhelpfulness, and we've had to do a lot of learning about spending money to enjoy ourselves more in the here and now. Obviously, we've had functionally identical upbringings to our siblings, so I'm not sure what's made us so different, but certainly I never remember having any direct advice from my parents of money management, investing, budgeting ETC. What is your advice on imparting finical wisdom to our offspring? How is it different at 3 to aged 7, for example? What about their early/late teenage years and young adulthood? I haven't told my husband I'm submitting a question, but if he hears this he'll definitely know it was from me so I'll look forward to our conversation later based on your answers! All our best Hannah

Commerce Code
Episode 186B: Intelligent Shopping Agents: What Do They Mean for Payments, Consumers and Merchants?

Commerce Code

Play Episode Listen Later Jun 18, 2025 26:53


EPISODE 186B:This is the second installment in our three-part series on intelligent shopping agents - an extended conversation with Shawn Conahan, Chief Revenue Officer at Wildfire Systems. In Monday's episode, Shawn laid out what ISAs are, and when we concluded Dan had just asked him how shopping (search, selection, and payment) fully integrated into AI platforms like Perplexity or Chat GPT would affect the payments industry. Let's pick up the conversation where we left off. Shawn - what does this all mean for the payments industry?

The Meaningful Money Personal Finance Podcast
Listener Questions Episode 16

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Jun 11, 2025 39:05


It's time for another Listener Questions session! This week we cover commercial property in pensions, ethical investing, inherited pensions and so much more. Shownotes: https://meaningfulmoney.tv/QA16    01:02  Question 1 Hi Peter / Roger, Many thanks for all the wisdom plus superb book, you two really make my week with the banter. I always hear about DB and DC pensions but wondered if you'd ever cover the following: Many business owners like myself own buildings outright (as a pension) within a Commercial Sipp and then loop back into this rental payments. Also, within this using a GIA for diversified investments including cash lump sums for tax relief when possible. I'm heading North of sixty soon and feel its time to start thinking of the exit plus implications. It would be fantastic to hear your advice on these in the future. Best Regards, Steve 05:47  Question 2 Hello Pete Can ethical investing beat inflation? Myself and my husband are both 63.  We retired at the end of last year, having sold the business we have run for the majority of our working lives. We have some small DC pensions and a SSAS which includes a commercial property.  We both have cash ISAs. I've done some research, helped massively by your podcasts and YouTube videos, so thank you so much for these. From what I have learned I understand that  we need to invest the cash from the business sale in Global Equities.  We also need to look at the investments within the SSAS which, up to now, the SSAS provider has managed.  Cash in the SSAS also needs to be invested. Is there a way of picking a Global Index Tracker which is ethical and will beat inflation and that requires minimal management to keep fees low?  I realise that we need to look at our cash accounts too with this in mind. Many thanks for all your excellent resources and advice, the fog of financial planning is starting to clear and I'm feeling less panicked about being able to manage the money for our future. Kind regards, Rachel 12:52  Question 3 Dear Pete and Rog, Your podcasts have been a real source of steadiness for me over the past few years - a pair of reliable voices amidst the wider financial chaos. I'm writing with a question about nominee (beneficiary) pensions. Sadly, my father passed away recently, and I've inherited half of his private pension pot - around £70k from a total of £140k. It's been set up as a nominee pension, which I understand allows the money to remain invested and grow tax-free, with flexible access at any age. This has been a significant and unexpected legacy, and it's opened up the possibility of scaling back to part-time work well before the official retirement age. (I'm in my late 30s, so there's still a way to go, but it's a big deal for me and brings more options for me) I don't plan to draw from the pot for many years. My intention is to let it grow. The catch, however, is that the provider, without naming names, (let's just say three letters, last one P), is expensive compared to what I'm used to (I invest monthly in a Vanguard LifeStrategy ISA). When I've done some projections I can see that if leave the money where it is indefinitely, the fees will quietly erode a decent chunk of the long-term gains. There's a 6-year early exit charge, so for now I'm content to leave it be. I'm still dealing with bereavement and all the admin of being an executor, so pressing pause on any big financial decisions feels like the right call at this early stage. But when that 6-year period ends, I'll be weighing up whether to stick or twist. My question is: can nominee pensions be transferred to another provider without losing the key benefits, like the tax-free growth and the ability to access the funds flexibly before retirement age? I've looked into alternatives- transferring into my ISA would take years due to the annual limit; a general investment account loses the tax perks; and a conventional pension would lock the funds away until age 55+, which undermines the very flexibility that makes this pot so helpful for future semi-retirement plans. I'd be really grateful for any ideas or thoughts you might have on this. All the best, Alan 19:29  Question 4 Hi guys, I am 31 years old and currently investing 15% of my gross income into my retirement. 6.8% via my employer's DB CARE scheme, and the other 8.2% into my SIPP. My wife and I also contribute £200pm  into a S&S ISA for our son. We hope by the time he is 18 (3 months old now) this fund could pay for university, travel, driving - whatever he wants to do (within reason!). By age 60, I would like to be in a position to retire, whether I do that or not is another question, but I would at least like the option to. I often see YouTube videos titled "SIPP vs ISA which is better?" but I don't see much about how to use them in tandem. Do you have any advice on the optimal weighting between an ISA and SIPP given I'd like to retire before State/DB pension age and therefore, should I be splitting the 8.2% with a S&S ISA too? Thank you! John 24:08  Question 5 Hi Pete & Roger, I'm a big fan of the podcast, it's been a great source of advice for me - thanks for that. I'm currently 55 and probably not looking to draw down anything from my pension until I'm 60 at the earliest. I hadn't paid into my pension for a number of years and now trying to contribute as much as I can to catch up a bit. My main SIPP is £130,000 with Vanguard in a FTSE Global All Cap Index Accumulation Fund and is 100% equity as I'm looking for as much growth as possible over the next 5-10 years and beyond. I also have £25k in another SIPP, a small NEST workplace pension and approximately £60k in a Stocks & Shares ISA, all of which are in various global tracker funds. My main question is, is it a good idea to have everything in global index funds because of the heavy weighting to the USA, especially in tech stocks? I had considered changing my Vanguard fund to their LifeStrategy 100 fund which has a bit more of a UK weighting. I know you probably can't suggest specific products, but I wondered what your general advice would be on this, especially with all the uncertainty in the USA under the Trump administration? Thanks in advance, Alex Wilson 30:29  Question 6 Hi Pete and Rog, Love the podcast and I've been listening for a good few years now, so I thought I'd throw my hat into the ring with a question. I was hoping you could give a quick overview of Qualifying Corporate Bonds, what characteristics the bonds need to have to qualify, what the tax treatment is and where to invest etc. I'm in the fortunate position of having made my contributions in full to my ISAs and Pensions and I'm looking for a tax efficient way to invest an extra few £s. I've heard that they are effectively treated like Gilts but was hoping you could illuminate. Thanka, Adam from Skipton, North Yorkshire

Merryn Talks Money
How to Fix the UK Stock Market Quickly and Cheaply

Merryn Talks Money

Play Episode Listen Later Jun 11, 2025 14:26 Transcription Available


In this week's roundup, Bloomberg UK Wealth Editor at Large Merryn Somerset Webb speaks with Money Distilled newsletter author John Stepek about the market indifference to Chancellor Rachel Reeves' spending review. They also share strategies for how the government can support the UK equity market: scrap stamp duty, reform ISAs, and nudge pension funds to invest at home. See omnystudio.com/listener for privacy information.

Many Happy Returns
ISAs Under Review: Will Cash Savings Get Capped?

Many Happy Returns

Play Episode Listen Later May 28, 2025 43:06


Big changes could be coming to ISAs — the tax-free savings wrapper used by 22 million Brits. Chancellor Rachel Reeves is preparing a major review of the ISA market, aiming to nudge savers away from cash and into stocks and shares. Could we soon see a cap on cash ISAs? And if so, how might that reshape the way millions of us save and invest? And in today's Dumb Question of the Week: What is the ‘cost of capital'? --- Thanks to Raisin UK for supporting this episode. Raisin UK is a free, easy-to-use platform where you can access savings accounts from over 40 FSCS-protected banks and building societies — all in one place. What's more, for a limited time only, you can receive a £100 bonus when you register and fund your first savings account with a minimum of £10,000 using the code "SAVINGS100". For more details, please visit the link raisin.co.uk/pensioncraft --- Try PensionCraft's Premium Membership and get 75% off your first month. Simply use coupon code SAVE75 before July 1st, 2025. Gain access to premium content, and remember, you can cancel anytime and still retain access to our Beginner's bundle of courses. pensioncraft.com/investor-education/membership ---Get in touch

Jimmy's Jobs of the Future
Chris Hulatt | Why the UK Must Defend the London Stock Exchange

Jimmy's Jobs of the Future

Play Episode Listen Later May 27, 2025 67:40


Want your own Brand or Business Podcast? Try out our NEW Podcast Calculator: https://www.boxlight.io/ From Living Room Startup to Industry Leader: How Octopus Group Innovates Across Sectors Join Jimmy as he welcomes Chris Ulla, co-founder of Octopus Group, to discuss the impressive growth and innovation behind Octopus Energy and its expansion into new areas like financial coaching. Chris shares insights on management, entrepreneurship, and the challenges of scaling businesses in the UK. Dive into the origins of Octopus Group, the importance of maintaining ambition, and the need for accessible financial advice. This deep conversation sheds light on how the UK can remain a prime location for business growth, touching on government policies, capital access, and the ever-evolving market landscape. 00:00 Introduction to Wealth Transfer and Octopus Group 00:25 The Rise of Octopus Energy 03:45 Expanding into Financial Coaching 08:54 The Importance of Office Culture 18:05 The AIM Market and Capital Challenges 29:39 Encouraging Entrepreneurial Growth 33:42 Expanding Businesses Overseas 34:05 Government Support for Entrepreneurs 34:59 Supercharging EIS and VCTs 36:26 Investment Strategies and Government Policies 37:13 The Role of ISAs in Supporting UK Companies 39:53 AI in Business Operations 44:04 Adapting to Business Growth 46:04 Entrepreneurial Motivation and Work-Life Balance 49:12 Building High-Performing Teams 57:25 Entrepreneurship Awards and Success Stories 59:30 Future Goals and Financial Coaching 01:00:42 Quickfire Questions and Personal Insights 01:02:10 Affordable Housing and Future Plans 01:04:35 Conclusion and Final Thoughts ********** Follow us on socials! Instagram: https://www.instagram.com/jimmysjobs Tiktok: https://www.tiktok.com/@jimmysjobsofthefuture Twitter / X: https://www.twitter.com/JimmyM Linkedin: https://www.linkedin.com/in/jimmy-mcloughlin-obe/ Want to come on the show? hello@jobsofthefuture.co Sponsor the show or Partner with us: sunny@jobsofthefuture.co Credits: Host / Exec Producer: Jimmy McLoughlin OBE Producer: Sunny Winter https://www.linkedin.com/in/sunnywinter/ Editor: Sunny Winter Junior Producer: Thuy Dong Learn more about your ad choices. Visit podcastchoices.com/adchoices

Brexitcast
Brexitcast: The EU-UK Deal (and our Rachel Reeves interview)

Brexitcast

Play Episode Listen Later May 19, 2025 40:34


Today, the UK and EU have come to a deal that covers fishing, trade, defence, energy and more.Adam and Chris, in true Brexitcast style, go through the detail as the Prime Minister says it is time to move on from “political fights” about Brexit. Plus, Adam sits down with Rachel Reeves, Chancellor of the Exchequer, as she explains the benefits of the deal. They also discuss possible changes to ISAs, winter fuel and whether Elton John is off her music playlist. You can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers. You can join our Newscast online community here: https://discord.gg/m3YPUGv9New episodes released every day. If you're in the UK, for more News and Current Affairs podcasts from the BBC, listen on BBC Sounds: https://bit.ly/3ENLcS1 Newscast brings you daily analysis of the latest political news stories from the BBC. It was presented by Adam Fleming. It was made by Jack Maclaren with Shiler Mahmoudi and Anna Harris. The technical producer was Mike Regaard. The assistant editor is Chris Gray. The editor is Sam Bonham.

Merryn Talks Money
Markets Round Up: Private Equity, ISAs, Rachel Reeves

Merryn Talks Money

Play Episode Listen Later May 14, 2025 17:14 Transcription Available


In this week's roundup, Merryn Somerset Webb, speaks with Money Distilled newsletter author John Stepek about new proposals to get pension funds to invest more in the UK, whether ISA allowances should be adjusted and UK Chancellor, Rachel Reeves's current performance. See omnystudio.com/listener for privacy information.

Real Estate Team OS
067 Opportunities Can't Be Equal with Dustin Oldfather

Real Estate Team OS

Play Episode Listen Later Apr 29, 2025 61:09


Talk or type with our new Team Bot: https://realestateteamos.com/botOver the past 20 years, Dustin Oldfather has connected with and been coached by the best in the real estate business, including several of our guests on Real Estate Team OS.As a result, he's experimented with different methods and models - with VAs, ISAs, training cadence, lead distribution, and more.The top-ranked real estate team in Delaware, The Oldfather Group is an 80-agent team driven by responsibility-centered leadership, opportunity meritocracy, and interactive, one-on-one training.Dustin walks us through how they're pairing local staff paid 15% above market with international VAs to improve performance and reduce vulnerability, how they've added meritocracy and agent voice to their model, why they've both insourced and outsourced the ISA function, and exactly how they deliver training day by day.Watch or listen to this conversation with Dustin for insight into:- Responsibility-centered leadership vs reward-centered leadership- Being humbled in the Nuclear Navy- Providing opportunities for a growing team at the dawn of online leads- How to mitigate risk and vulnerability by partnering stateside and international team members together- Testing an agent assistant model for agents doing 6 or 9 transactions per month- What agents need and want in this market in terms of skills, efforts, and opportunities and how it affects their recruiting and retention- Shifting to a meritocracy with three agent levels - Pilot, Captain, and Commander- The pros and cons of insourcing and outsourcing your ISA function (and what works best for them) and the importance of live transfers- Exactly how they do interactive training Monday through Friday, including specific topics covered, one-on-one time, live role plays, and accountability check-ins- The cultural benefit of helping people move on, especially in the face of “demonstrated unreliability”At the end, learn about Good Will Hunting and A Beautiful Mind IRL, John Wentworth, redundant JBL speakers, pushing back on Gary Vaynerchuk, and a specific structure for a healthy day, week, and year.Guests mentioned in this episode:- Howard Tager https://www.realestateteamos.com/episode/howard-tager-ylopo-ai-artificial-intelligence- Jon Cheplak https://www.realestateteamos.com/episode/jon-cheplak-real-estate-teams-traditional-brokerages- Tom Ferry https://www.realestateteamos.com/episode/tom-ferry-differentiation-accountability- Mike Schumm (coming soon!)Dustin Oldfather:- https://www.instagram.com/dustinoldfather/- https://www.instagram.com/oldfathergroup/- https://www.facebook.com/DustinOldfatherPublic/Real Estate Team OS:- https://www.realestateteamos.com- https://linktr.ee/realestateteamos- https://www.instagram.com/realestateteamos/ Talk or type with our new Team Bot: https://realestateteamos.com/bot

Cash Chats
466 | Monthly savings update, cash in on your spring clear out, flexible ISAs hack & more

Cash Chats

Play Episode Listen Later Apr 29, 2025 35:29


In the latest episode of the pod Andy and Amelia are talking about the latest stories that are important to you and your money. Including:  Our monthly savings update Make some cash from your unwanted items Flexible ISAs: what they are and if you need one Plus more! For links and further reading head to becleverwithyourcash.com/cashchats 00:00 AD and intro 00:57 May savings update 09:57 Our picks for the top savings rates 16:34 How to make cash from your spring clear out 20:29 Title deeds and near misses with dodgy websites 27:07 Flexible ISAs   ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

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Cash Chats
465 | The best cards to use abroad, how to cut your water bill, the top junior ISAs & more

Cash Chats

Play Episode Listen Later Apr 22, 2025 36:50


In the latest episode of the pod Andy and Amelia are talking about the latest stories that are important to you and your money. Including:  The best fee free cards to use abroad How to beat the water bill hikes The top junior ISAs for 2025/26 Plus more! For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

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The REDX Podcast
When to Hire an ISA—and How to Build a Team That Lasts with Aleta Reynolds

The REDX Podcast

Play Episode Listen Later Apr 17, 2025 41:49


Join us for a special episode of the REDX Podcast with Aleta Reynolds, real estate veteran, ISA trainer, and founder of ISA University. In this episode, Aleta dives deep into the mindset agents need to overcome call reluctance, the right time to hire an ISA, and how to build a real estate business that thrives on consistency.Here's what you'll discover in this episode… • How to overcome fear and failure when building your real estate pipeline • The real reason agents struggle with cold calling—and how to fix it • Why hiring the right ISA can unlock massive leverage for solo agents and teamsJUMP TO THESE TOPICS

Ask Martin Lewis Podcast
Is the £20,000 cash ISA going to be killed? What savers should be doing NOW

Ask Martin Lewis Podcast

Play Episode Listen Later Apr 16, 2025 37:15


Full best buys – and everything you ever wanted to know about cash ISAs but were afraid to ask. With the realistic prospect of the cash ISA limit being reduced in the near future, Martin explains what to do right now to get the most out of your savings. Get in touch… email martinlewispodcast@bbc.co.uk

Cash Chats
464 | Supermarket shopping hack, Amex boosted welcome offers, the best lifetime ISAs & more

Cash Chats

Play Episode Listen Later Apr 15, 2025 41:20


In the latest episode of the pod Andy and Amelia are talking about the latest stories that are important to you and your money. Including:  How to get cashback on giftcards to save even more! Huge Amex welcome bonuses in Aprils credit card update The best lifetime ISAs for 2025/26 Plus more! For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

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The Millionaire Real Estate Agent | The MREA Podcast
78. Scale the Buyer Side With a Small Team and Big Systems With Kari Wyrsch

The Millionaire Real Estate Agent | The MREA Podcast

Play Episode Listen Later Apr 14, 2025 40:34


How do you close 264 buyer transactions in a single year—without a massive team? That's exactly what Kari Wyrsch has done, and in this episode, she's walking us step-by-step through how she made it happen.Kari's not just a rockstar agent—she's a systems thinker, a buyer whisperer, and a deeply intentional business builder. With over 1,445 buyers represented in her career, she's turned what many agents dread—the buy side—into a predictable, scalable, and thriving operation.We sat down with Kari to explore her exact model for running a high-volume buyer business, from how she structures her “ultimate buyer strategy session” to how she built a lean team with laser-focused roles. Along the way, we dive into her transition from commercial real estate to residential, her decision to merge her team with Adam Graddy's, and how she leads with leverage so she can be fully present for her nine-year-old twins.She shares how she prequalifies every lead, leverages ISAs, and keeps a conversion rate so high it'll make your jaw drop. Kari also explains how she challenges the outdated perception that being a buyer's agent is “less than”—and proves how fiduciary-level service on the buy side is a game-changer for any serious business.If you've ever thought working with buyers was chaotic or unsustainable, this episode will flip that script. Kari shows us how it can be systematic, joyful, and wildly profitable.Resources:Order the Millionaire Real Estate Agent Playbook | Volume 2Connect with Jason:LinkedinProduced by NOVAThis podcast is for general informational purposes only. The views, thoughts, and opinions of the guest represent those of the guest and not Keller Williams Realty, LLC and its affiliates, and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.WARNING! You must comply with the TCPA and any other federal, state or local laws, including for B2B calls and texts. Never call or text a number on any Do Not Call list, and do not use an autodialer or artificial voice or prerecorded messages without proper consent. Contact your attorney to ensure your compliance.

Cash Chats
463 | Top cash ISAs 2025/26, Trump tariffs panic, best top cashback cards

Cash Chats

Play Episode Listen Later Apr 8, 2025 43:22


In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:  The top cash ISAs on the market Trump tariffs and your investments The best cashback and reward cards Plus more! For links and further reading head to becleverwithyourcash.com/cashchats ABOUT CASH CHATS Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.com/podcast. BE CLEVER WITH YOUR CASH ON SOCIAL twitter.com/BeCleverCash instagram.com/becleverwithyourcash   youtube.com/@becleverwithyourcash   GET OUR WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence 

Many Happy Returns
Quid's In: How Much Can You Invest Tax-Free?

Many Happy Returns

Play Episode Listen Later Mar 26, 2025 36:49


The UK tax year is about to end, and most people know about ISAs and pensions. But how much could you really invest tax-free if you made full use of every allowance? From Junior ISAs and SIPPs to dividend and capital gains allowances, we crunch the numbers to find out how much a typical family can shield from the taxman. And in today's Dumb Question of the Week: What would the ISA allowance be today if it had kept pace with inflation? --- Thank you to Lightyear for sponsoring this episode. Sign up for a new account on Lightyear and receive $10 worth of a US fractional share when you use this link: https://lightyear.com/pensioncraft or enter our special code PENSIONCRAFT manually in the Promotions section. Code conditions: Complete onboarding and fund at least £50 into your General Investment Account after entering the code. The code can only be used if you haven't redeemed any code before. Once all conditions are met, you will be granted $10 worth of a US fractional share of your choice. Capital at risk. Provider of the investment services is Lightyear U.K. Ltd for the UK and Lightyear Europe AS for the EU. Terms apply: https://lightyear.com/terms. Seek qualified advice if necessary. This is not investment advice. ---Get in touch

The Meaningful Money Personal Finance Podcast
Listener Questions, Episode 8

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Mar 19, 2025 29:20


It's another Q&A, and this week' we're talking Lifetime ISA withdrawals, whether you need life insurance and the NHS pensions scheme, among other things! Shownotes: https://meaningfulmoney.tv/QA8  01:08  Question 1 I just wanted to start by thanking you so much for your podcast. I'm probably one of your younger listeners, having started listening to you when I was 26. I feel very fortunate to have discovered your podcast at such a young age, as it means I will hopefully have years, if not decades, to put your excellent advice into practice. I have a quick question that I was hoping you could help me with. I currently have a LISA that I was planning to use as a deposit for a house. However, I am now planning to move to Australia permanently with my Aussie fiancée. I have separate savings that I can use for a deposit now, but since ISAs are not recognised in Australia while UK SIPPs are, would it be wise to take the 25% hit by withdrawing the money from my LISA and transferring it into a SIPP to benefit from higher rate tax relief and continued tax advantages? I understand you cannot offer specific advice, but I would be interested to hear if there are any general pitfalls or advantages in this plan that I should be aware of. Many thanks! Simon   04:40  Question 2 Will try to keep this brief but is challenging. Do we need life insurance? If I die whilst employed my wife gets a lump sum which will cover our only debt the mortgage through my DB pension scheme. If I retire aged 60-65 my lump sum will cover any mortgage remaining if still have one. My wife has no such pension / cover if she were to die (currently between jobs). I have emergency fund / Overpay into pension for tax relief & child benefit purposes / and recently opened stocks and shares ISA for myself and  2 children. Age 39 trying to build for future but started late :) Many thanks Lee   09:55  Question 3 Many thanks for all the ongoing information and discussion, I've been listening for years, but still learning and trying to put into practice all positive behaviours (just like with diet and exercise, knowing and doing are rather different!). A question and a thought. Question; (apologies, after I typed it, it turned out to be very long and NHS specific so feel free to ignore, but I think the point about revising tax returns after submission when new info comes is more generally applicable). I'm in the NHS pension scheme and am awaiting my RPSS after McCloud judgement. They were due by October. It's November and I haven't had mine (many others say the same). I believe they are prioritising those with who have definite AA charges and I doubt my NHS figures trigger that as I was part time for much of the relevant period. However, I also contributed to a private pension every year, the amounts varied, but were usually calculated quite closely using the AAPSS that I had at the time to maximise residual allowances - so basically I think I may now have Annual Allowance issues that I didn't at the time, but am not being prioritised by the NHS pension scheme for a new statement because they don't know about my extra contributions. Added to this I have already submitted my 23-24 tax return before I realised there might be a problem. Others have added a comment to theirs essentially saying ‘watch this space for more information' and apparently have 12 months to amend them once their RPSS arrives. So, the question is, can I still change my tax return (submitted on behalf by my accountant if that's relevant) if new information becomes available after Jan 31st (or even in the new tax year)? Do you have any advice for those waiting documents from the NHS pension scheme or insider knowledge re. Timescales for remaining documents? Anja   13:28  Question 4 Thank you so much for an amazing podcast! My question… After 7 years of a long distance relationship, I'm  talking to my partner about moving in together. Apart from checking your significant other listens to the podcast (mine does - phew) what are the most important areas to cover when thinking about joint finances, particularly if you haven't talked much about money before? Thank you! Elizabeth   19:07  Question 5 Hi Pete and Roger! Thank you so much for the show. I've been listening for the past 6 years and have gone from saving for a house to learning about pensions and now actively pursuing building my pension and ISA pots so that I can be ‘work optional' as soon as possible (hoping to be there in 5 years and would not have known where to even start if it wasn't for your podcast). My question is how does the actual mechanics of drawing down from a pension work? Is there an equivalent of PAYE for pension draw downs? How is income tax calculated and collected? Would a tax return need to be done? Thanks so much!! Gavin   24:07  Question 6 I am approaching the Lifetime Allowance (used 91.43%) but my Armed Forces Pension tax-free amount I received was less than the 25% for the amount of LTA used ( 58.96%). I have a Transitional Tax Free Allowance Certificate to ensure I am still able to receive the maximum tax-free amount (£268,275).  I have currently received £168,932.69 as a tax-free amount.  In order to realise the maximum tax-free amount I will need to exceed the LTA by £259,143.76. Finally, I am still able to max out my contributions each year at £60,000 to help reduce my tax bill. If I continue to max out my contributions each year and exceed the LTA to realise the tax-free amount, what are the implications of this or should I consider paying the money into other investment accounts? Regards, Martin  

BRave Business and The Tax Factor
The Tax Factor – Episode 73 – Farmers, ISA's and AI

BRave Business and The Tax Factor

Play Episode Listen Later Mar 7, 2025 14:57


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

The Meaningful Money Personal Finance Podcast
Listener Questions - Episode 5

The Meaningful Money Personal Finance Podcast

Play Episode Listen Later Feb 12, 2025 43:18


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

The Millionaire Real Estate Agent | The MREA Podcast
67. How to Build a Game-Changing Inside Sales Team With Anna Krueger

The Millionaire Real Estate Agent | The MREA Podcast

Play Episode Listen Later Jan 27, 2025 55:17


Imagine a team member whose entire focus is connecting with potential clients, uncovering their deepest motivations, and converting conversations into business opportunities—all while you focus on closing deals. That's the power of an Inside Sales Agent (ISA), and today we're unlocking the secrets behind this game-changing role.Our guest, Anna Krueger, is a true master in the art of ISA hiring, training, and performance. Having trained over 2,000 ISAs, Anna has honed a step-by-step system to help real estate teams find the right talent, prepare them for success, and drive extraordinary results. Whether you're thinking about hiring your first ISA or curious about how this role fits into the future of real estate, you're about to get a masterclass in how an ISA can get your goals achieved faster.Anna shares her transformative journey from high school teacher to ISA expert, and dives deep into the frameworks, strategies, and mindsets that separate high-performing ISAs from the rest. From recruiting tips to conversational tools, this episode is packed with actionable insights that will change the way you approach your business.Resources:Learn more about Anna's work at sparkingprogress.comRead Shift: How Top Real Estate Agents Tackle Tough TimesListen to Episode 25. Ben Kinney's Three Real Estate Success PrinciplesOrder the Millionaire Real Estate Agent Playbook | Volume 2Connect with Jason:LinkedinProduced by NOVAThis podcast is for general informational purposes only. The guest's views, thoughts, and opinions represent those of the guest and not KWRI and its affiliates and should not be construed as financial, economic, legal, tax, or other advice. This podcast is provided without any warranty, or guarantee of its accuracy, completeness, timeliness, or results from using the information.WARNING! You must comply with the TCPA and any other federal, state or local laws, including for B2B calls and texts. Never call or text a number on any Do Not Call list, and do not use an autodialer or artificial voice or prerecorded messages without proper consent. Contact your attorney to ensure your compliance.Advertising Inquiries: https://redcircle.com/brands