Podcasts about isas

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

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 

In dieser bewegenden Episode erzählt Isa ihre Geschichte: Über 14 Jahre lebte sie an der Seite eines narzisstischen Partners. Gemeinsam bekamen sie zwei Kinder, doch hinter der Fassade einer scheinbar normalen Familie spielte sich ein Drama aus emotionaler Abhängigkeit, Manipulation und Angst ab. Immer wieder versuchte Isa, sich zu trennen – doch Drohungen und die Angst, ihre Kinder zu verlieren, hielten sie zurück. Erst mit professioneller Unterstützung fand sie den Mut und die Kraft, den Kreislauf zu durchbrechen und ein neues Leben zu beginnen. Isa spricht offen über: die subtilen Mechanismen narzisstischen Missbrauchs, die zermürbende Angst um ihre Kinder, die wiederkehrenden Versuche, sich zu befreien, und die entscheidende Rolle von Hilfe von außen. Eine Folge voller Mut, Verletzlichkeit und Hoffnung – für alle, die sich selbst oder andere in ähnlichen Situationen erkennen. Du möchtest gut aus deinem Gefühlschaos herauskommen? Hier mein Online- Webinar dazu: https://www.eventbrite.de/e/sos-erste-hilfe-nach-dem-beziehungsaus-tickets-1305755974269?aff=oddtdtcreator Homepage: www.katjademming.com Buch: Raus aus der narzisstischen Beziehung: https://amzn.to/3hsNEiy Online-Trennungsprogramm: Release Program: www.katjademming.com/release-program YouTube: http://bit.ly/YouTube-KatjaDemming Instagram: https://www.instagram.com/katjademming/?hl=de Facebook: http://bit.ly/Facebook-KatjaDemming-Life-Coach

In dieser bewegenden Episode erzählt Isa ihre Geschichte: Über 14 Jahre lebte sie an der Seite eines narzisstischen Partners. Gemeinsam bekamen sie zwei Kinder, doch hinter der Fassade einer scheinbar normalen Familie spielte sich ein Drama aus emotionaler Abhängigkeit, Manipulation und Angst ab. Immer wieder versuchte Isa, sich zu trennen – doch Drohungen und die Angst, ihre Kinder zu verlieren, hielten sie zurück. Erst mit professioneller Unterstützung fand sie den Mut und die Kraft, den Kreislauf zu durchbrechen und ein neues Leben zu beginnen. Isa spricht offen über: die subtilen Mechanismen narzisstischen Missbrauchs, die zermürbende Angst um ihre Kinder, die wiederkehrenden Versuche, sich zu befreien, und die entscheidende Rolle von Hilfe von außen. Eine Folge voller Mut, Verletzlichkeit und Hoffnung – für alle, die sich selbst oder andere in ähnlichen Situationen erkennen. Du möchtest gut aus deinem Gefühlschaos herauskommen? Hier mein Online- Webinar dazu: https://www.eventbrite.de/e/sos-erste-hilfe-nach-dem-beziehungsaus-tickets-1305755974269?aff=oddtdtcreator Homepage: www.katjademming.com Buch: Raus aus der narzisstischen Beziehung: https://amzn.to/3hsNEiy Online-Trennungsprogramm: Release Program: www.katjademming.com/release-program YouTube: http://bit.ly/YouTube-KatjaDemming Instagram: https://www.instagram.com/katjademming/?hl=de Facebook: http://bit.ly/Facebook-KatjaDemming-Life-Coach

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.

Chris McCann of Blevins Franks International Tax and Wealth Management talks to Howard Brereton #Wealth #Tax #WealthManagement #Spain #Expat #Brexit

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?

Are you a dentist looking to grow your wealth? https://www.viderefinancial.com/contact———————————————————————You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>>  dentistswhoinvest.com/podcastreport———————————————————————Ever felt lost in the maze of ISAs and pensions? You're not alone. Many dentists struggle with deciding where to put their money for the best returns. In this episode, financial expert Anick Sharma breaks down the key differences, helping you make informed choices about your financial future.We dive into ISAs and how they offer tax-free savings, the different types available, and how they fit into short- and long-term plans. Then, we tackle pensions, unpacking the tax relief benefits that can supercharge your investments over time. So, which should you use? ISAs, pensions, both… or neither?Tune in for clear, no-nonsense guidance on maximising your savings and making your money work harder for you.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.Send us a text

In 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 

Welcome to the first episode of the AJ Bell Money & Markets Deep Dive podcast. This is a new series which will take a long look at some of the key issues in markets and personal finances. First up we'll be diving into a subject which will affect almost everyone – taxes. Personal taxes are on the rise and we'll be looking at some of the main ways you can save tax on your savings and investments. The tax burden is on course to reach a historic high of 38.2% of GDP by 2029. Laith Khalaf speaks to Carl Emmerson, Deputy Director of the Institute for Fiscal Studies about how we got here, and whether more tax rises are on the way. [11:05] ISAs have been a hugely successful savings and investment account since their launch in 1999. Laith Khalaf and Charlene Young discuss the merits of ISAs and whether people in the UK are holding too much cash. [30:08] Tom Selby, Director of Public Policy at AJ Bell joins the pod to discuss another important tax shelter: pensions. We ask him whether a pension is better than an ISA, and if the government might look to take away some of the generous tax relief currently attached to pensions. [40:02] There are other ways to save tax too. Laith and Charlene discuss family finances, VCTs and the 60% tax trap. [59:08]

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

Which ISA is best? That is the topic of today's episode.First, we cover exactly what an ISA - or Individual Savings Account - is and break down how each of the 4 different types of adult ISAs actually work.We then move into which ISAs are likely to be best to prioritise in certain situations.Overall, and everyone's situation will be slightly different, Stocks & Shares ISA will give you the most 'profit' (most likely). This is because over the long term the gains and dividends can exponentially grow your wealth.However, Lifetime ISAs (specifically Cash LISAs) are a fantastic vehicle to save for your first house deposit. And Cash ISAs can be useful in some specific scenarios, like if you will breach your personal savings allowance and have to be some tax on your savings interest.Listen to the episode for the full details.Timestamps:0:34 - What is an ISA?3:46 - Cash ISA5:58 - Stocks & Shares ISA7:37 - Innovative Finance ISA8:26 - Lifetime ISA13:06 - Why I don't like S&S LISAs17:19 - Which ISA to prioritise in specific situations?20:25 - ISA allowance21:21 - Which ISA is best-----------------------------------------------

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

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

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

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/

Get key takeaways from The Teams Report, a first-of-its-kind report providing essential benchmarks for real estate teams. Get insights into the teams of your peers and competitors in categories like: team size, org structure, roles, compensation, GCI, growth expectations, tech budget, lead gen and distribution, cost per lead, referral fees, database size, SOI and nurturing, and more.Conducted by the team at RealScout with direct support from the Tom Ferry organization and T3 Sixty and with distribution support from dozens of brands, brokerages, and tech companies, the report is informed by more than 1,000 teams.  Dive in with RealScout Co-Founder and President Andrew Flachner to learn from other teams and team leaders.  Watch or listen to this episode of Real Estate Team OS for insights into: - Different ways data is empowering tomorrow's top teams- 75% of respondents expect 10% or greater growth in the next 12 months- What respondents think about interest rates and inventory- How questions answered in The Teams Report were developed- The median team size and four main org structures- Which non-agent roles are most common at different team sizes (and why ISAs may be less common than you think)- Cost per lead and cost per referral across team sizes and why larger teams spend more on lead gen per transaction- Why SOI and lead nurturing is every team's greatest opportunity in the year ahead- The future of The Teams Report- Why more scale is possible and more standardization is key to future team successAt the end, learn about indispensable team members, the display of choice for pixel snobs, and the problem-solving power of walking and waves.The Teams Report:- https://TheTeamsReport.comAndrew Flachner:- https://www.instagram.com/aflachner- https://learn.realscout.com/about/Real Estate Team OS:- https://www.realestateteamos.com- https://linktr.ee/realestateteamos- https://www.instagram.com/realestateteamos/

In Matt's latest installment of his "Ask Me Anything" series, he once again joins forces with Dr. Eti Ben Simon to address a wide spectrum of listener questions. Beginning with a dive into the fascinating connections between sleep and medication effects, they unpack the ways various medications can impact sleep quality and patterns, from increasing alertness to potentially triggering vivid dreams or insomnia. Eti also brings a unique perspective on how different medications influence REM sleep and how timing your dosage may alleviate some side effects, highlighting the importance of discussing these nuances with a healthcare provider.Listeners can look forward to intriguing discussions on sleep-related topics beyond just meds, as our hosts go on to explore questions about circadian rhythms, the impact of light exposure on melatonin and sleep health, and the potential benefits of sleeping naked for body temperature regulation and stress reduction. The episode also touches on the quirks of pet behavior in bed, why snoring happens, and the curious ways some animals experience sleep. Packed with science-backed insights, this AMA episode invites listeners to consider how everyday factors shape their sleep and overall well-being. And remember, if you have a sleep question, be sure to send it in to Matt or Eti as soon as possible!Please note that Matt is not a medical doctor, and none of the content in this podcast should be considered medical advice in any way, shape, or form, nor prescriptive in any way.Today's podcast is sponsored by BetterHelp. As someone who understands the deep connection between sleep and mental health, I can't stress enough the importance of taking care of your mind. Therapy is a powerful way to build a strong mental foundation, and BetterHelp makes it easy. With flexible, online sessions, you can fit therapy into your busy schedule. Visit betterhelp.com/MattWalker for 10% off your first month. It's time to invest in your mental health and become the best version of yourself.Another great sponsor of the show is AG1, a comprehensive nutritional drink trusted by thousands worldwide, including Matt! For nearly four years and counting, he has relied on AG1 to fuel his post-workout routine with its powerhouse blend of over 75 essential minerals, vitamins, probiotics, and prebiotics, meticulously crafted to support your daily nutritional needs. AG1 is registered and approved by the Therapeutic Goods Administration, boasting GMP badges for quality assurance. As a special offer for our listeners, when you try AG1, you'll receive a complimentary one-year supply of both Vitamin D and K2, and with your first subscription, you'll also receive five free AG1 travel packs! And now, every week of November, AG1 will be running a special Black Friday offer for a free gift with your first subscription in addition to the welcome kit! So head over to drinkag1.com/mattwalker and see what your gift isAs always, if you have thoughts or feedback you'd like to share, please reach out to Matt on Instagram.Octopus Dreaming: https://www.youtube.com/watch?v=0vKCLJZbytUMatt: Instagram @drmattwalker or on X @sleepdiplomatEti: X @etoosh, Instagram https://www.instagram.com/eti_bensimon/,  or email at etoosh@gmail.com