Podcasts about isas

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

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?

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

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.

Täna sattusime endalegi ootamatult mõisate lainele. Lood on lohed - kõigepealt räägib Daki loo Virumaa Malla mõisa kunagisest mõisnikust von Tiesenhausenist, kes sai kiirelt kohalike hulgas hüüdnime Hull-Krahv, kuna ihunuhtlusega ta tagasi ei hoidnud. Üllatuslikult aga selgub lõpus püändina, mis võis olla tema pöörasuse põhjuseks.Heidiga rändame Lätimaale, kus toimus ühes mõisas 1923. aastal metsik veretöö. Ja boonusosas (patreon.com/kikimoorid) räägime veel paar mõisalugu, et komplekt oleks ikka täiuslik.Aitäh, et meid kuulate!Merch: www.kikimoorid.ee

Financial planning for neurodivergent children is not just about money but about love, responsibility, and the legacy we leave when we're no longer here.• Cara explains how her journey with her autistic son during COVID lockdown led to creating SendProtect after noticing financial advisors weren't addressing SEND-specific needs• SendProtect offers free educational events, webinars and consultations to help SEND parents understand long-term financial planning• Life insurance policies should be written in trust to prevent inheritance tax and provide immediate access to funds• Children's ISAs can become problematic at age 18 if your child lacks financial capacity, requiring court applications• Vulnerable person's trusts provide a government-approved way to save money for SEND children without affecting benefits• Even £5 per week can provide meaningful financial protection through properly structured life insurance• Having a will with children's guardianship specified is essential to prevent SEND children entering temporary care• Workplace support for SEND parents is crucial—employers need to understand the additional caring responsibilitiesJoin the conversation in our private WhatsApp community where SEND parents connect for support, insights and understanding. Find the link in the show notes.Click here for SEND Protect www.sendparenting.com

No matter how much you have to invest, setting good and solid foundations is vital. In this episode, our host Iona Bain is joined by friend of the show and financial adviser Rotimi Merriman Johnson, aka Mr. MoneyJar, to demystify the world of investing. From choosing the investment platform to understanding index funds, stocks and tax-efficient accounts like ISAs and SIPPs, Rotimi shares clear, practical advice without the jargon. They also discuss the psychology of investing, the importance of diversification, and how to stay focused on long-term growth, especially when the markets get bumpy. Get ready to be empowered to take those first steps towards building a future you’ll thank yourself for. You can watch episodes on our YouTube channel And see behind the scenes content on our TikTok and Instagram You can play the podcast and find other useful content on L&G’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer Follow Rotimi Merriman-Johnson on Instagram Iona and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser.See omnystudio.com/listener for privacy information.

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

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

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.

In this week's Money Moments we dive into how inflation actually impacts you and what you can do about it. Discover how the Stock Market School can help you turn small, consistent investments into life-changing wealth

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.

When it comes to investing, it's stock markets that regularly hog the headlines but it's government bond markets that really matter. Share prices taking a prolonged tumble is one thing but if bonds take a hammering, the financial world starts to really the notice. A textbook example occurred a few weeks ago when in the aftermath of Donald Trump's introduction of US tariffs, stock markets took a dive and the President refused to budge. But when bond market ructions started to get investors and even central bankers worried, Trump appeared to take heed and introduced his 90 day pause. On this podcast episode, Georgie Frost, Tanya Jefferies and Simon Lambert discuss government bonds, the basics of how they work, why they matter and what impact they have on ordinary investors and our finances. Plus, the state pension top-up mess that refuses to go away, how to find the best Sipp to invest for retirement, and is a care annuity the answer to our care costs problems or just a treatment for the symptoms? And finally, there's been a mass stampede to cash Isas, what's going on - and is the tax-free saving allowance still likely to get chopped. Tell us what you think about the This is Money Podcast We are running a listener survey, to get your thoughts on what you like about the podcast and what we can improve. We would really appreciate if you could take a few minutes to fill it in - you can do so here. 

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

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 

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>>  dentistswhoinvest.com/podcastreport———————————————————————If you'd like to discuss your finances with a professional you can connect with Anick here: https://www.viderefinancial.com/contact———————————————————————Financial planning takes on new dimensions with each tax year, and 2025 brings significant changes dentists need to understand. Financial planner Anik Sharma from Vider Financial Planning joins us to unpack investment vehicles available to dental professionals and crucial updates affecting your financial strategy.The conversation kicks off with a fundamental yet often overlooked principle: financial organization eliminates the annual scramble before tax deadlines. Beyond reducing stress, this approach delivers measurable benefits – contributing to investments at the tax year's start rather than its end could generate an additional £60,000 over 30 years through compound growth.Anik walks through the key investment accounts dentists should consider, starting with ISAs. Recent rule changes now allow contributions to multiple stocks and shares ISAs within a single tax year (while maintaining the £20,000 annual limit). We explore misconceptions about platform diversification and the Financial Services Compensation Scheme, clarifying that the £85,000 protection applies to banking licenses rather than individual institutions.For pensions, we delve into tax relief benefits while highlighting complexities for high earners. The most significant upcoming change arrives in April 2027, when pensions will potentially fall within inheritance tax scope – though final implementation details remain pending. NHS pension scheme members face additional complications with the ongoing McLeod remedy affecting annual allowance calculations and private pension planning.Limited company owners have additional considerations when deciding whether to invest through corporate structures or extract funds for personal investment. This leads to the fundamental question: how should dentists allocate investments across different accounts?The answer lies in comprehensive cashflow planning – mapping your current position to your desired future before determining the optimal investment strategy. This approach ensures your portfolio powers your life plan rather than existing as an end itself.Looking to optimize your financial strategy for the new tax year? Subscribe for more insights on building financial resilience that supports both your dental practice and personal aspirations.———————————————————————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

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 

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

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

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 

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.

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 

Over the past few weeks there's been speculation over the future of ISAs - Individual Savings Accounts. At the moment each saver can deposit up to £20,000 each tax year into an ISA tax-free, but there have been reports that the Treasury is considering making some changes. Things like lowering the limit to £4,000. In a statement to Money Box the Chancellor Rachel Reeves said that while it's important to support people to save, they want to get the balance right. She wants to create "more of a culture in the UK of retail investing." What does that mean and what might change?Some listeners have been experiencing delays after trying to boost their state pension by filling old gaps in their National Insurance record. At the moment a window is open for people who have not yet reached pension age and those already on the new state pension to fill gaps in their record back as far as 2006. But in just a few weeks time that window will close. The government told us that it's processing payments as quickly as possible and that people who at least take the first step by 5 April will still be able to fill those gaps.Are water companies banned from sending out bills for water used more than 12 months ago as energy suppliers are? And more than 35,000 people who were aged 55 or over took out new mortgage loans in the last 3 months of 2024, up 30% on the year before, what's behind the rise?Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 8th March 2025)

Markets around the world have slumped, the dollar weakened and fears mount of a global recession, after Donald Trump announced huge 'reciprocal' tariffs on over 100 countries. The UK appears to have got off lightly, attracting just the baseline 10 per cent tariff - but even that will wipe out the Chancellor's beloved headroom and leaves the door wide open for tax rises in the Autumn. How else could it hit us here? From pensions, investments, mortgages and energy bills, Georgie Frost, Simon Lambert and Lee Boyce try to unpick a crazy few days in the geopolitical arena. As Isa providers continue to battle it out to win new customers ahead of the end of the tax year, we've seen some chunky deals. A quartet of savings apps have all boosted rates repeatedly in the last week, with the top cash Isa rate of 5.9 per cent up from 5.28 per cent just a week ago. The catch? These bonus boosts only last three months, so how good is the rate you're really getting over the whole year? And are these deals worth it? And on the topic of Isas, Simon has his very, very last minute tips on filling your allowance before it's too late.

You ask, Martin answers. A must-listen at this crucial time of year. Martin and Adrian go through the big questions from you as a number of big changes come into force. Plus you tell us about customer service done well, and Adrian tackles a mastermind on credit scores. You can email the podcast team via martinlewispodcast@bbc.co.uk.

On this week's show I reveal the best stocks & shares ISAs in 2025, providing a comprehensive review of the leading investment platforms and trading apps in the UK. I analyse the cheapest managed and self-invested ISAs and provide details on how to get the best cashback and fee-free deals when signing up. I also look at recent performance and how the various platforms compare before revealing which platforms pay the most interest on uninvested cash. Next, I provide a quick tip for electric vehicle owners on how to save up to £195 in car tax. Finally, I explain how you could end up paying more for your insurance, even if you choose to pay annually, if you click the wrong button when applying online.Leave us a voice note via Whatsapp for our 500th show - 0208 163 3629This show is sponsored by ⁠⁠⁠PensionBee⁠⁠⁠ the UK's leading online pension provider. It can help you transfer most old pensions together into one new online plan, so you'll know exactly how much you've saved and where to find it. If you are looking for a low-cost, hassle-free way to consolidate your pension pot (excluding final salary pensions), then PensionBee is worth considering. When you transfer your pensions, you can pick from a range of purpose-built pension plans, and if you want to contribute more to your pension, you can do that too. You can sign up to PensionBee in minutes using just the names of old employers or pension providers. Capital at risk.Watch the whole show on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠:Check out this week's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast article ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠on the MTTM website to see the full list of resources from this week's show.00:00 - Introduction02:55 - Best Stocks and Shares ISA offers for 202504:20 - Stocks and Shares ISAs fees explained05:20 - Best managed Stocks and Shares ISAs in 202507:07 - Stocks and Shares ISA performance 2020 to 202409:00 - Best self-managed (self-invested) Stocks and Shares ISAs in 202512:12 - Best Stocks and Shares ISAs for Trading in 202513:50 - Best Stocks and Shares ISAs for paying interest on uninvested cash in 202514:57 - Summary - Which is the Best Stocks and Shares ISA in 2025?16:29 - Be careful of 'double-dipping' when buying car insurance online18:20 - Renew your EV car tax before 1st April 2025 and you could save up to £195!Follow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Click to support the showLinks referred to in the podcast:The Best Stocks and Shares ISA Cashback DealsBest & Cheapest Stocks and Shares ISA for beginnersBest performing Stocks & Shares ISAPlatforms that pay the highest interest rate on uninvested cashAJ Bell Dodl*Interactive Investor*Hargreaves Lansdown*InvestEngine*NutmegWealthifyMoneyfarmTake out a free trial of 80 20 investorIf a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

Dan Jones is joined by Natasha Voase to discuss Bellway's (BWY) results, and what they reveal about the state of the property market. The pair also unpack the future of housebuilding in light of the Spring Statement and what it means for Vistry (VTY) and Barratt Redrow (BTRW).Val Cipriani joins to carry on the Spring Statement conversation, but changing course toward Isas and the various takes experts, investors and providers will have on changes to allowances.Lastly, we're back to company results with Fevertree (FEVR). Mark Robinson explores the wider trends in the beverages sector and the company's deal with brewer Molson Coors.Timestamps1:27 Housebuilders11:12 Isas21:32 FevertreeClaim your first 12 weeks of Investors' Chronicle Print + Digital for just £12. You will get instant access to our website and app, plus the magazine delivered to your door every week. To start your trial, visit www.investorschronicle.co.uk/podcasttrial *After your 12-week trial you will pay just £62 every 13 weeks by direct debit. If you're not entirely satisfied, you can cancel up to 5 business days before your renewal date and only pay the £12 already debited. This offer is for UK subscribers only. Hosted on Acast. See acast.com/privacy for more information.

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

Rachel Reeves is back to where she started after the Spring Statement, with her £9.9billion of budget headroom restored but at what cost. The Chancellor was true to her word and didn't turn this week's economic update into a second Budget, with no tax changes coming in. But a wave of spending cuts was announced, along with growth forecasts going both down and up. We also got the Office for Budget Responsibility's update on what Reeves' Autumn Budget tax rises will cost us, a threat to cash Isas and no reprieve for home buyers on stamp duty. On this podcast episode, Georgie Frost, Lee Boyce and Simon Lambert dive into the Spring Statement to explain why it happened, what it means and tackle the question of whether taxes are going to have to rise again in autumn. They look at the very important assumption being made by the OBR, which if it turns out to be wrong could mean there is a £48billion black hole in the sums. And is the entire thing a charade anyway and damaging to our future prospects? Simon explains why he thinks so. Finally, campaigners like Gary Stevenson claim this could all be solved with a wealth tax - is that where we will eventually end up?

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

This week's AJ Bell Money & Markets podcast takes a closer look at the key items from Chancellor Rachel Reeves in her Spring Statement. There were big changes to economic and inflation forecasts by the Office for Budget Responsibility. However, the Chancellor insisted her longer-term plans were still intact – namely, to bring public finances under control and drive growth in the economy. Laura Suter, Charlene Young and Dan Coatsworth analyse the major announcements in the Spring Statement and how they will impact your money. They also chat about key areas that were missing from the Spring Statement and whether they might be coming later on – or not at all, given what the Chancellor has just announced. The team talk savings, investments, pensions, ISAs, mortgages and how markets reacted to the news.

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

ISA ISA baby!Martin joins Adrian to answer all your questions on savings tax, Cash ISAs, Junior ISAs and more before the fast approaching deadline in April. Chartered Financial Planner Ed Marshall also joins Martin to help with stocks and shares ISAs. You tell us about your financial ‘light bulb' moments.Plus Martin shares his thoughts on back-billing with MPs… find out why you might not have to pay for energy usage if its more than a year old.Get in touch with the podcast by emailing martinlewispodcast@bbc.co.uk

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  

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

If you're trying to understand the turmoil on the markets, don't miss this week's episode of the AJ Bell Money & Markets podcast. Dan Coatsworth explains what's going on, what might happen next, and how to keep your cool. [01:13] This podcast is our ISA special: we've gone all out on explaining the pros and cons of Individual Savings Accounts. Laura Suter and Charlene Young join Dan in weighing up the range of ISAs currently available and whether they are still fit for purpose. They talk Stocks & Shares ISAs, Cash ISAs, Junior ISAs, Innovative Finance ISAs and Lifetime ISAs. [04:24] Tom Selby reclaims his crown as the podcast taskmaster and brings back the legendary ISA quiz. [14:27] Want to know where other investors have been putting their ISA money this year? Dan reveals the top selections and talks through some interesting trends. [24:06] Everyone would love to be an ISA millionaire, but how hard is it to hit the goal? Laura does the maths. [28:15] We've had loads of listener questions come in, so the team tackle three burning ISA issues: which is better: an ISA or a pension? [31:31]; what is a Bed & ISA and should I bother with it? [34:50]; and how does the taxman know if I'm over the £20,000 ISA allowance? [36:52] Finally, our special guest this week is Craig Baker from the team behind the £4.7 billion Alliance Witan investment trust. Its first results since the merger have just come out and Dan talks to Craig about performance and what Alliance Witan is trying to achieve longer term. [39:27]

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.

Discover how ISAs can help you grow your wealth tax-free with Interactive Brokers! In this episode, we break down everything from investment options to fees—so you can make the most of your money while keeping more of it in your pocket.

Martin answers a huge number of questions on savings, on how ISA's work, where is a safe place to keep your money, the pros and cons of investing, should you be saving or paying off debt and far more.The podcast also covers lots of other subjects such as getting travel insurance for holidays booked a long time ahead, how credit cards really work, what to do if a car finance firm hasn't replied to your reclaim complaint and more.This week's Mastermind is all about if borrowing more means you actually pay less?

In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:  Andy addresses the rumours that Labour may scrap Cash ISAs  What are ISA transfers and how do they work? More price hikes for O2 and Sky phone and broadband customers - here's how to beat them 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 

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

233 Days Since Labour Came To Power And There's Still No Sign Of Growth Macro, Micro News for Wednesday 12th February 2025 25% DISCOUNT OFFER ONLY AVAILABLE IN FEBRUARY ONLY MACRO Reeves faces tough choices as recession fears mount on UK downgrade Tax breaks on cash ISAs could be axed  Heathrow to pledge to use UK steel and boost growth in third runway proposal MICRO  IXICO #IXI MTI Wireless Edge #MWE Surgical Innovations Group #SUN Crimson Tide #TIDE Checkit #CKT

Morse code transcription: vvv vvv Newspaper headlines UK tax cuts for tech giants and hands off ISAs PlayStation Network outage reported worldwide Santorini earthquake Tourists flee but resilient locals stay Judge pauses Trump plan to put thousands of USAID staff on leave My university course made me who I am now its being cut Trump says he is revoking Bidens security clearances Neil Gaimans ex wife Amanda Palmer denies negligence allegations Climate change The Panama community that fled its drowning island Woman evicted from NHS hospital ward after being stuck for 18 months Whats on the menu for Kings Italian dinner with Stanley Tucci

Morse code transcription: vvv vvv Judge pauses Trump plan to put thousands of USAID staff on leave PlayStation Network outage reported worldwide Whats on the menu for Kings Italian dinner with Stanley Tucci Trump says he is revoking Bidens security clearances My university course made me who I am now its being cut Woman evicted from NHS hospital ward after being stuck for 18 months Climate change The Panama community that fled its drowning island Santorini earthquake Tourists flee but resilient locals stay Neil Gaimans ex wife Amanda Palmer denies negligence allegations Newspaper headlines UK tax cuts for tech giants and hands off ISAs

Jonathan Campbell leads the #1 real estate team in Pennsylvania. The 20 agents on the team each close 45-50 units per year. Together, they more than tripled the units and nearly doubled the volume of the second-ranked team.What are the keys to this success? How does the team sustain such high per-agent productivity?  After appearing as one of four contributors to Episode 50, Jonathan welcomes us into his business model, strategies, and philosophies in this full-length conversation.Watch or listen to Episode 55 with Jonathan for insights into:- Why agents are more likely to run profitable businesses when they're on a profitable team- Why profit is misunderstood and how to create more clarity around it- His path from team agent to solo agent to sales manager to team owner- The team leader's job: create more opportunity- The benefits of his team size and business model- What agents do (and don't do) every day- Details of the relationship between ISAs and agents- The process for high-quality appointment sets and handoffs- Tips for higher conversion and higher ROI on lead sources- Running the business on EES rather than EOS- Increasing agent accountability and ownership- Why he prefers to run and own a team rather than a brokerage or teamerage- The two things he's focused on in 2025 - new construction and cash offersAt the end, get tips for creating better conference experiences, having more conversations (with less judgment), coaching youth soccer, canceling and adding streaming subscriptions, and being around more people.Jonathan Campbell:- https://www.instagram.com/jsooup/- https://www.instagram.com/joncampbellteam- https://www.facebook.com/jsoupamanc- https://jcteam.com/Real Estate Team OS:- https://www.realestateteamos.com- https://linktr.ee/realestateteamos- https://www.instagram.com/realestateteamos/

Send us a textI chatted to Ann-Marie Atkins, a Managing Partner and award-winning Financial Planner at Evelyn Partners, about what you need to know about investing. Disclaimer and spoiler alert - there's no actual investment tips or investment advice, the game-changing advice is to consider two equally exciting themes: TAX and INFLATION. Some snippets from Ann-Marie:Want to double your money in the next 10 years?? You can, if you invest at 7.2% interest (a version of this is known elsewhere as the Rule of 72)If you do one thing, think about tax first because it will have the greatest impact on your net returns - for example ISAs, SIPPs, Lifetime ISAs. If you haven't yet, now is a great time before the end of the tax year. How much you should be contributing to your pension each year.I shared some of my thoughts including:Something I've seen as I'm spending more time in the US is that there's a much greater acceptance of mistakes. Business founders are celebrated for trying as well as for succeeding; there's less shame around learning by doing. Here in the UK, speaking for myself, I was brought up to be scared of making mistakes with money - and the cost of that fear is huge - both for individuals and for our economy!Booking a monthly finance date with myself is something I find really helpful, and having a process and plan to follow.Some comments from listeners - for example, one very successful listener shared: “I'm just crap at this stuff. I put a reminder in my calendar to sort out my ISA or read up on how to allocate it, and then I keep postponing the calendar invite.” and we shared some nuggets about how to make this easier…Guest website: https://www.evelyn.com/Guest LinkedIn: https://www.linkedin.com/in/annmariebanks/Host LinkedIn: https://www.linkedin.com/in/annaclareharper/Host website: https://www.greenresi.com/

Join us for a special episode of the REDX Podcast with Jasmine Lopez, CEO & Founder of Scaleable Powered By J Lopez Enterprises. In this episode, Jasmine shares the power of cold calling and ISAs in scaling real estate businesses. Whether you're new or experienced, this episode explores strategies to fill your pipeline effectively and sustainably. Here's what you will discover in this episode... • How hiring an ISA offers scalability, consistency, and expertise to boost your business. • How to successfully convert contacts to appointments and appointments to listings. • The benefit of outsourcing prospecting and why cold calling remains fundamental JUMP TO THESE TOPICS

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

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

From being one of the first four real estate agents of a new real estate company to serving as Chief Operating Officer of a +1,000-member organization, Lauren Bowen has experienced, learned, and achieved more than most in the industry over the past decade … all with boldness and kindness.We opened 2024 with Lauren as our first guest. Now we're opening 2025 with her return!Last year she shared the path from 1 to 16 different lead sources. This year she shares how they vet, distribute, and increase conversion on 24 different lead sources!Among the MANY helpful things she openly shares with you in this conversation: how they discovered that 56% of leads closed with the second Robert Slack agent they talked to - and what they did about it. We recorded this conversation in person at Unlock 2024 at The Cosmopolitan of Las Vegas.Listen to this episode with Lauren Bowen for insights into:- The obvious and non-obvious benefits of grace- The growth of Robert Slack from one office and four agents to more than 800 agents in multiple offices in five states- The agent count to start investing in agent onboarding and training- How they built their corporate staff of 20 people to support about 1,000 team members, including role and recruiting tips- What it takes to run the organization as a family- Why teams shouldn't get above 50 agents (35 is the recommended limit)- Lessons learned from managing 24 lead sources, including putting agents on two lead sources max (down from five or six)- Three things they did to double lead conversion on some of their sources- The three roles that fulfill her vision of “making agents' lives easier”- Specific ways they task their ISA team, including an automation to help ISAs “revive the leads”- Insights into tracking lead conversion by source, reviewing your lead sources monthly, balancing lead quality and quantity, and vetting new lead sources- A bittersweet change since her appearance on Episode 11 to open 2024At the end, Lauren talks baseball, building over buying, and being bouyant. She also shares tips for balancing your commitments to real estate conferences.16 Lead Sources for 800 Agents with Lauren Bowen | Ep 011- https://www.realestateteamos.com/episode/lauren-bowen-robert-slack-coo-lead-sources-team-leadersLauren Bowen:- https://www.instagram.com/lauren_bowen_robertslackllc/- https://www.tiktok.com/@lbowen_robertslack- https://www.instagram.com/robertslackllc/- https://www.tiktok.com/@robertslackrealestate- https://robertslack.com- lauren (dot) bowen (at) robertslack (dot) comReal Estate Team OS:- https://www.realestateteamos.com- https://linktr.ee/realestateteamos- https://www.instagram.com/realestateteamos/