Podcasts about Paye

Shaan Patel is here to discuss how you can slash the cost of college through some more advanced strategies. We also discuss major education changes packed into the “Big Beautiful Bill,” starting with the introduction of new Trump Accounts—a kind of IRA for minors with no deductions and withdrawal restrictions until age 18. We cover expanded uses for 529 plans, including tutoring, test prep, homeschool materials, and more. Repayment options are narrowed down to just two, and several popular income-driven plans are scrapped. We also talk about how Pell Grants are being expanded for short-term workforce programs and the future of the Department of Education as it sees deep funding cuts—all pointing to less federal support, more private lending, and a growing need for serious college planning.  We discuss... Major education reforms packed into the “Big Beautiful Bill,” starting with the new Trump Account—a savings vehicle for minors with a $5,000 annual cap, no deductions, and no early withdrawals. The bill expands 529 plans to cover tutoring, test prep, online learning, homeschool materials, and special education services. A new federal tax credit scholarship program allows individuals and corporations to donate up to $1,700 annually to scholarship organizations, with a 100% tax credit. There's also $500 million in grants for “American Values” curricula promoting patriotism and national pride. On the college side, new federal loan caps include $100K for master's degrees, $200K for professional degrees (like law or med school), and a $257,500 lifetime limit—while Grad PLUS loans are eliminated entirely. Repayment options are now limited to a standard plan or a new Repayment Assistance Plan (RAP), ending other income-based programs like SAVE and PAYE. Public Service Loan Forgiveness survives but faces tighter eligibility, and deferment options for hardship have been significantly cut. Workforce Pell Grants are expanded to include short-term training programs (8–15 weeks) for in-demand technical jobs. Wealthy universities face a major increase in endowment taxes—up to 8%—especially impacting Ivy League schools. The Department of Education will see a nearly 20% discretionary funding cut over five years, potentially affecting programs like TRIO that help low-income students access college. With fewer federal dollars and tighter lending, private loans may fill the gap—making proactive college and financial planning more critical than ever. Parents of younger students (7th–10th grade) should start planning early for the PSAT. Today's Panelists: Kirk Chisholm | Innovative Wealth Barbara Friedberg | Barbara Friedberg Personal Finance Diana Perkins | Trading with Diana   Follow on Facebook: https://www.facebook.com/moneytreepodcast Follow LinkedIn: https://www.linkedin.com/showcase/money-tree-investing-podcast Follow on Twitter/X: https://x.com/MTIPodcast For more information, visit the show notes at https://moneytreepodcast.com/slash-the-cost-of-college-shaan-patel-732   

This week on Black on Black Cinema, the crew returns to discuss the 2020 film, All Day and A Night. The film follows a young man who committed a homicide and now has to deal with the repercussions of his action. The film stars Ashton Sanders, Jeffrey Wright, and Isaiah Jon, Kelly Jenrette, and Shakira Ja'nai Paye. Written and Directed by Joe Robert Cole.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!Episode SummaryIn this timely episode, Evon unpacks the Department of Education's recent surprise announcement that interest will resume accruing on the SAVE plan's current forbearance beginning August 1, 2025. We explore what this means for optometrists managing student loans - especially those approaching forgiveness eligibility or considering refinancing.What You'll LearnSurprise Announcement: Why SAVE's interest-free forbearance ends on August 1, 2025, and how to prepareOBBBA Overview: How this new legislation (effective July 2026) changes income-driven repayment plan options - removing SAVE, PAYE, ICR plans as available options for current optometristsRepayment Roadmap: How optometrists should evaluate refinancing, staying federal, or switching plans based on degree completion and loan timingIDR Plan Comparison: Breaking down olcd vs. new IBR, PAYE, and SAVE rules - including repayment terms like 20‑year repayment at 10% of discretionary incomeStrategic Tax Planning: Using filing status and extensions (especially important in community-property states) to lock in the lowest monthly paymentTimeline Guidance: When key deadlines hit (Aug 1, 2025; July 2026; July 2028) and how to reconcile existing loans within the new REPAY plan frameworkResources MentionedThe Optometry Money Podcast Ep 143: How the Final One Big Beautiful Bill Act Impacts Optometrists – Taxes, Student Loans, and More!Click here to Subscribe to the Eyes On The Money Newsletter for weekly financial insights tailored specifically to optometrists.Have Questions? CLICK HERE to schedule a short introductory callThe Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

In early July, the Big Beautiful Bill was signed into law, bringing sweeping changes to student loans. In this episode of the Veterinary Financial Podcast, I'm breaking down what the bill means for veterinarians who have already graduated and are already in repayment.Key topics include:What happens if you're on IBR, PAYE, or SAVEA closer look at the new 30-year RAP (Repayment Assistance Plan)What happens if you don't make a new plan selection by 2028Important tax and spousal income considerationsA couple of bright spots—like employer benefits and servicer fundingI also answer top questions from the Debt-Free Vets Facebook group and share what vets should be thinking about now to stay ahead of the changes.Stay tuned for the next episode where I'll focus on how the bill impacts current and future vet students.Mentioned in this episode:Debt-Free Vets Facebook GroupInterested in vet-specific financial planning? Schedule a free intro call or email meredith@allvetfinancial.com Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Les résidences, un modèle rêvé pour soutenir la création ? Si sur le papier ces espaces semblent être des écrins sur mesure pour laisser libre cours à la recherche artistique et à la création, dans les faits, certaines structures ont du mal à prendre en considération les réalités des artistes et ne sont accessibles qu'à une poignée d'entre elleux. Les appels à candidatures sont parfois discriminants voire soumis à une participation financière, la sélection est ardue et entraîne une ultra-compétitivité et des effets de réseau. On attend de plus des artistes qu'iels soient prêt·es à s'isoler à tout moment sans questionner leurs attaches sociales et familiales, ou le fait qu'iels aient un éventuel job alimentaire. Une fois sur place, on leur demande parfois en échange l'animation d'ateliers, des temps de médiation, voire une restitution ou une exposition. Finalement, le fonctionnement des résidences tendrait à reproduire une vision individualiste et précarisante propre au champ de l'art contemporain.Alors, qu'attendre d'une résidence, quand ce terme recouvre aujourd'hui une multitude de réalités différentes ? Qu'est-ce que cela raconte de notre vision de l'artiste, solitaire, mobile et flexible ? Et comment penser des pratiques qui répondent mieux aux besoins et aux spécificités des parcours artistiques ?On en discute dans ce nouvel épisode de Paye ta vie d'artiste !, dans lequel Sarah Diep et Soizic Pineau reçoivent Victorine Grataloup, directrice du centre d'art d'intérêt national Triangle-Astérides, et Antinéa Garnier, responsable du service des ressources professionnelles au Centre national des arts plastiques (Cnap), et directrice de publication de la version 2025 du guide Les Résidences d'arts visuels, édité par le Cnap et augmenté d'une enquête sociologique sur le rôle et l'impact des résidences dans les carrières artistiques. Pendant l'émission, on entend également l'artiste Léna Hiriartborde, Élise Jouvancy du réseau Arts en résidence, ainsi que la curatrice et chercheuse Fanny Van Opstal.Plus de ressources sur notre instagram, @payetaviedartiste.podcast, ainsi que sur manifesto-21.com.CréditsInvité·es : Antinéa Garnier (Cnap), Victorine Grataloup (Triangle-Astérides)Avec les interventions de Élise Jouvancy (Arts en résidence), Léna Hiriartborde et Fanny Van OpstalAutrices & réalisatrices : Sarah Diep et Soizic PineauMusique et habillage sonore : Alexi ShellDesign graphique : Dana GalindoMerci à Djil et à Radio Grenouille pour la réalisation technique.Merci également au Bateau Louche pour leur aide à la production.Paye ta vie d'artiste ! est un podcast Manifesto XXI, soutenu par la Région Sud et la Ville de Marseille. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Découvrez la double offre bienvenue de notre partenaire Winamax, qui donne à tous les nouveaux joueurs deux bonus exceptionnels :→ Bonus 1 : Winamax te rembourse ton premier pari en CASH si celui-ci est perdant, dans la limite de 100 € (Conditions de l'offre sont disponibles sur site)→ Bonus 2 : 10 € supplémentaires en cash avec le code promo ORLF1Vous pouvez vous inscrire sur Winamax et renseigner le code ORLF1 au moment de votre premier dépôt via ce lien : https://www.winamax.fr/registration/landing/offre_bienvenue?banid=69973 Conditions :Offre réservée uniquement aux nouveaux joueurs.Les 10 € vous seront crédités une fois que vous aurez finalisé votre inscription et effectué votre 1er dépôt. Cette offre n'est valable qu'une seule fois par utilisateur, terminal (ordinateur, tablette ou mobile), foyer ou compte bancaire. Elle est réservée aux joueurs n'ayant jamais créé de compte sur Winamax (y compris un compte qui a été fermé depuis).Ces deux offres sont cumulables.Rappels :Les jeux d'argent sont strictement interdits aux mineurs

Questions? Thoughts? Send a Text to The Optometry Money Podcast!In this packed episode, Evon Mendrin, CFP® and host of The Optometry Money Podcast, breaks down the biggest tax and student loan law changes optometrists need to know from the recently passed One Big Beautiful Bill Act (OBBBA).Evon discusses what's changing—and what's not—for individual and business tax rules, estate taxes, 529 plans, and the massive shift in student loan repayment plans. Whether you're a private practice owner, associate OD, or optometry student, this episode will give you the clarity to start planning wisely for the years ahead.Highlights from this episode include:Individual Tax ChangesLower tax brackets and the higher standard deduction made permanentNew temporary senior tax deduction for ODs 65+SALT deduction cap raised to $40,000 (with income phaseouts)Brand-new $2,000 charitable deduction even if you take the standard deductionEnhanced child tax credit and dependent care FSA limitsNew & Unusual Tax DeductionsTemporary deduction for personal auto loan interest (for new cars only)Deduction for overtime pay and tipsBusiness Owner Wins20% QBI deduction is now permanent—and its phaseouts widen in 2026100% bonus depreciation is back!PTET workaround for SALT cap still lives onStudent Loan Changes: Huge Overhaul AheadSAVE, PAYE, and ICR plans eliminated after 7/2026Current Borrowers gradually transitioned by 7/2028Forgiveness periods shift, with new rules and income considerationsFuture optometrists face new federal loan caps and more restricted repayment options529 Plans & Trump Accounts529s can now be used for CE and licensing expensesNew "Trump Accounts" for minors open in 2026: Traditional IRA-style investment accounts with government seed moneyBottom Line: You don't need to make big decisions today - but now is the time to start planning. Evon covers how these changes may affect optometrists in every stage of their career - from practice owners to new grads.Resources & Links:Dept. of Ed Update: SAVE Interest Accrual Begins Aug 1stSchedule a Free Intro Call with EvonNewsletter on Tax Provisions (and don't forget to subscribe)The Optometry Money Podcast is dedicated to helping optometrists make better decisions around their money, careers, and practices. The show is hosted by Evon Mendrin, CFP®, CSLP®, owner of Optometry Wealth Advisors, a financial planning firm just for optometrists nationwide.

“Senate parliamentarian” isn't exactly a household name, but her latest ruling is huge news for anyone with student debt. Learn what her surprise decision means for the Big Beautiful Bill Act and how it could shape repayment plans and forgiveness programs. You'll find the specifics of what this means if you're a Parent PLUS borrower, in dental and medical school, or just worried about how these policy shifts could affect your financial future. We'll take you beyond the political noise and cut through the confusion to give you actionable info you can use.   Key moments: (02:32) The current bill would essentially kick a lot of people who need to borrow after July 2026 onto the RAP plan (05:21) Future students deserve clear repayment rules upfront, not changes mid-degree like the Senate is proposing (08:45) Anybody who's ever had a parent plus loan needs to apply for the ICR plan (11:20) PAYE borrowers must be prepared to get switched to the old IBR or possibly the RAP plan (15:48) Different borrowers should take different approaches while legislation is pending   Resource mentioned:  IDR Plan Request at Studentaid.gov   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

June 30, 2025 ~ Kat Paye, Executive Director, National Cherry Festival, joins Kevin to discuss everything we need to know for the National Cherry Festival.

This week on Digi-Tools in Accrual World - sponsored by FYI - we're diving deep into the latest fintech news, with a close-up on the tools and platforms redefining the tech stack for accountants. From HMRC compliance and accounting tech consolidation to next-gen workflows and AI-powered innovation, we unpack how firms are adapting - and what's coming next. Whether you're watching accounting tech news unfold or actively planning your firm's next move, this episode has plenty to get your teeth into. We cover: • CCH iFirm's new MTD for Income Tax solution - and why John Toon's surprisingly impressed • Access launches “Evolve” - an ERP-style suite bundling Fathom, Lightyear and more • Employment Hero's free payroll software for micro-businesses • Dext drops GPS mileage tracking, auto-descriptions and bulk approval tools • Mimo adds planned payment dates for smarter forecasting • Active Workpapers integrates with CloudCapcha to bring timesheet automation into its workpapers suite • Sleek raises $23m to expand its hybrid tech-accounting platform • HMRC loses £47m to fraudulent PAYE claims • UK government departments owe £1.65m in unpaid invoices - some dating back 18 years Plus – we're joined by Harv from Scoro, digging into the shift from accountant to FinOps advisor, and how PSA platforms like Scoro are helping firms evolve their client service, pricing models and digital strategy. If you're trying to keep pace with accounting tech innovation and want to stay ahead of changes in digital transformation - this one's worth a listen. 00:00 Coming Up 01:02 Welcome to Digi-Tools in Accrual World Podcast 04:39 App News 04:58 CCH iFirm launches MTD for Income Tax solution 08:06 Access launches ‘Evolve' to tackle mid-market system sprawl 11:35 Employment Hero offers free payroll 14:37 Dext adds GPS mileage tracking and auto-descriptions 18:21 Mimo introduces Planned Payment Dates for better forecasting 19:17 Active Workpapers integrates with Cloudcapcha for timesheet automation 22:28 Sleek raises $23m to expand digital accounting and compliance tools 24:42 HMRC loses £47m to fraudulent tax repayments 27:02 Government hits £17m in unpaid supplier invoices 30:31 Scoro: Becoming a FinOps Advisor 41:07 Enjoyed the pod? Drop us a like or a review to let us know :) #DigiToolsinAccrualWorld #AppNews #accountingtechnews #fintechnews #techstackforaccountants #accountingtechconsolidation #accountingtechinnovation

How do you feel about the prospect of paying higher income tax rates and more GST? I think it's inevitable. So does the Inland Revenue Department. Because of our ageing population. Especially if people think we can have a whole lot more of us 65 and over —which is going to happen— and still provide the same level of assistance and support that is provided now. So IRD is making its case for more tax in what's called its “Long-term Insights Briefing”, which puts ideas on the table for governments to consider and to help the country plan for the future. It's saying cutting costs is one way, but it would be much better to generate more government revenue. To collect more tax. Which I agree with. It's saying today that the future is uncertain, and we need a tax system that can be changed relatively easily, which is why it's focusing on income tax and GST. Because those taxes already exist. Income tax makes up 52% of the tax take and GST accounts for 25%. So there's nearly 80% of the total tax take covered just through PAYE and GST. Company tax, by the way, accounts for just 17% of the tax take. Here are a few more numbers which IRD is using to justify more tax money coming in to cope with the ageing population. At the moment, 16% of us are 65-and-over. But we're on our way to, eventually, having a quarter of our population 65 and older and somehow, we have to pay for that. Because as the Infrastructure Commission pointed out this week, we're going to need less schools and more hospitals. But as we know, hospitals are a lot more expensive than schools and we're going to have to find the money somehow. IRD isn't giving any specific numbers. So it isn't saying what it thinks GST could or should be increased to. Likewise, it's not saying anything about what income tax rates could be increased to. It's just saying that we need to get used to the idea of paying more. Which is another demonstration, isn't it, of how the Government made a mistake reducing the amount of tax revenue it gets. Because I know it talked about us paying less tax and reducing costs at the same time. But running a country costs money, you can only cut costs to a certain point. And when you throw an ageing population into the mix —and the costs that come with that— we all have no option but to chip in a bit more money to pay for it all. See omnystudio.com/listener for privacy information.

[NCAA] les athlètes peuvent maintenant être payés par les facs ! by The Trick Play - College Football/NCAA

Travailler en collectif permet-il vraiment de lutter contre la précarité ? Comment penser la mutualisation de nos forces de travail ? Est-ce possible de co-créer dans un champ de l'art régi par un star system hyper individualiste ? Ce nouvel épisode aborde les questions de collectif, mutualisation, et mise en commun. Que l'on partage des espaces de travail, des moyens de production ou que l'on co-crée, la notion de collectif est multiforme et démocratisée chez les travailleureuses de l'art. C'est un moyen de lutter contre la précarité et de rompre l'isolement, qui permet aussi de partager des savoir-faire, autant artistiques qu'administratifs. Pourtant, jusqu'où le collectif est-il un outil de résistance ? À quel point ce modèle se heurte-t-il à l'hyper-individualisation du monde de l'art dans lequel on évolue ?Pour en discuter, les journalistes Sarah Diep et Soizic Pineau reçoivent Nicol Perez, artiste et membre de Panthera, collective et atelier d'artistes marseillais, et Séverine Marguin, sociologue du travail. Interviennent également pendant cette émission Paul Garcin, Nelson Bourrec-Carter et Aurore Le Duc du collectif KimPetrasPaintings, Victor Givois de la coopérative Octopus et Élodie Lombarde, déléguée générale de la Fédération des réseaux et associations d'artistes plasticiennes et plasticiens.Plus de ressources sur notre instagram, @payetaviedartiste.podcast, ainsi que sur manifesto-21.com !CréditsInvité·es : Séverine Marguin, Nicol Perez (Panthera)Avec les interventions de Paul Garcin, Nelson Bourrec-Carter et Aurore Le Duc (KimPetrasPaintings), Victor Givois (Octopus) et Élodie Lombarde (Fraap)Autrices & réalisatrices : Sarah Diep et Soizic PineauMusique et habillage sonore : Alexi ShellDesign graphique : Dana GalindoMerci à Djil et à Radio Grenouille pour la réalisation technique.Merci également au Bateau Louche pour leur aide à la production.Paye ta vie d'artiste ! est un podcast Manifesto XXI, soutenu par la Région Sud et la Ville de Marseille. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

Let's be honest—nobody looks forward to tax season. However, leaving your return until January could mean unnecessary stress, missed opportunities, or even money left on the table. Filing your 2024-25 tax return early, on the other hand, brings more than peace of mind. It gives you financial clarity, greater control, and even potential savings. In this week's episode of the I Hate Numbers podcast, we share 10 powerful reasons why getting ahead of your tax obligations is one of the smartest financial moves you can make. Whether you're self-employed, a freelancer, or a landlord, early filing can seriously improve your business and personal finances. Main Topics & Discussion What is Early Tax Filing and Why It Matters Early filing means submitting your self-assessment tax return well before the 31st January 2026 deadline for the 2024-25 tax year. It's optional, but it brings clarity, helps avoid last-minute chaos, and often leads to better tax decisions. 10 Reasons to File Your Tax Return Early 1. Remove the Stress Early Tax season doesn't have to mean panic. Filing early clears the task from your to-do list and lets you enjoy the holiday season stress-free. 2. Know What You Owe HMRC Early filing gives you a confirmed tax bill months in advance. No nasty surprises. No guessing. And plenty of time to budget or plan a repayment if needed. 3. Spread Tax Payments Through PAYE If you owe under £3,000 and are in PAYE employment, you can file by 30 December 2025 and have HMRC collect the tax through your salary over 2026-27. It's like an interest-free loan. 4. Get Tax Refunds Sooner If you're owed money, early filing gets your refund processed faster. That cash could help your household budget or business capital immediately. 5. Reduce Your July Payment on Account Filing before 31 July 2025 could reduce or eliminate your second payment on account. Perfect if income has dropped or business losses apply. 6. Prepare for Making Tax Digital (MTD) MTD starts April 2026 for sole traders and landlords earning over £50,000. Filing early lets you see if you're affected and gives time to prepare. 7. Manage Transition Profits 2023-24 triggered a shift to fiscal-year accounting. Early filing helps manage any transition profits in 2024-25 and optimise tax reliefs over five years. 8. Prove Income for Loans or Mortgages Early returns provide official proof of income (think SA302) needed for mortgage applications, loans, or other financial support. 9. Enable Better Tax Planning The earlier you file, the earlier you see where you can be more tax efficient. That could mean adjusting pensions, business structure, or income strategies. 10. Keep Your Accountant Happy (and Costs Lower) Avoid the January rush and build goodwill with your accountant. Many practices charge a premium for late submissions or may be fully booked. Real-World Example Imagine you overpaid your tax or have losses to claim. Early filing could put money back in your pocket within weeks. Or if you're budgeting, knowing your January 2026 bill now means no scrambling for cash later. Key Tax Dates to Remember

Jérôme Rothen se chauffe contre un autre consultant, un éditorialiste ou un acteur du foot.

Une fois lancée, Christophe Beaugrand ne peut plus s'arrêter... Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Are you a PAYE employee spending your own money to do your job without getting reimbursed? You could be missing out on money that's legally yours through tax relief claims. This episode of the I Hate Numbers podcast breaks down everything you need to know about claiming work expenses online using HMRC's updated system. We explore what qualifies for tax relief, walk through the new online claiming process, and provide essential evidence requirements to ensure your claims succeed. From travel expenses and professional subscriptions to working from home costs, we cover the most common claimable expenses with real-world examples. Whether you're new to expense claims or looking to catch up on backdated claims, this episode gives you the practical knowledge to recover money you're entitled to. If you're an employee who pays for work-related expenses out of your own pocket, this episode will help you understand your rights and navigate HMRC's requirements with confidence. Main Topics & Discussion Understanding Tax Relief on Work Expenses Tax relief is available for PAYE employees who pay for work-related expenses from their own pocket without reimbursement. The key criterion is that expenses must be "wholly, exclusively, and necessarily incurred in the course of your job." This excludes personal items like lunch or your normal daily commute, but covers expenses directly connected to your work duties. What You Can Claim - The Essential Checklist Travel and Mileage: You can claim for travel outside your usual commute, including meetings, site visits, or temporary work locations. When using your own car, claim mileage at statutory rates (45p per mile for first 10,000 miles, then 25p thereafter). Public transport ticket costs are also claimable, but remember - your normal commute to the office doesn't count. Professional Fees and Subscriptions: Payments to trade bodies, professional groups, or governing bodies that are work-related and appear on HMRC's approved list qualify for relief. This includes trade unions, professional networks, and industry-specific memberships. Working from Home Costs: When your employer requires you to work from home (not by choice), you can claim a proportion of household costs including heating, lighting, and broadband. The key is proving it's a job requirement, not just convenience. Tools, Uniforms, and Equipment: Specialist gear, work clothing, and tools that your employer hasn't provided may qualify. HMRC offers flat-rate claims for uniform maintenance and toolkits for approved occupations. The New Online Claiming Process HMRC's online service for expense claims has been updated and relaunched. If your total claim is £2,500 or less in a single tax year and you're not required to complete a self-assessment tax return, you can claim online at gov.uk/tax-relief-for-employees/travel-and-overnight-expenses. For claims over £2,500 or if you already complete self-assessment, use your tax return instead. Essential Evidence Requirements

NFL Network Insiders Tom Pelissero and Mike Garafolo react to today's bombshell headline: Aaron Rodgers will be a Pittsburgh Steeler. The Insiders, along with Steve Wyche, Brian Baldinger, Stacey Dales and Marc Ross provide the details and commentary surrounding Rodgers, the Steelers and what is to come for the 2025 season. Later, the Insiders are joined by Indianapolis Colts DE Kwity Paye.See omnystudio.com/listener for privacy information.

Now before you switch off thinking budgeting is just about spreadsheets and cutting back on your coffee spend, think again. Clare Elliott walks us through why budgeting, forecasting and cashflow management are the backbone of every high-performing, profitable MSP. It's not about being an accountant. It's about stepping into your CEO role and giving yourself the tools to make better, faster decisions with confidence.  Too often MSPs fall into the trap of looking at what's in the bank and thinking that's enough. But as Clare points out, without a proper budget, you're flying blind. You might have cash now, but do you know what's around the corner? Are you really in control of your business or just reacting to it? Budgeting allows you to reverse engineer your goals, spot the gaps early and drive the right actions. It's confronting at times, yes. But the clarity it gives you is worth its weight in gold.  We talked about why so many business owners avoid budgeting altogether. The answer? It's uncomfortable. It's time consuming. And it forces you to look reality in the eye. But once you do, as I shared from personal experience, it becomes incredibly empowering. Just like mapping out your retirement plan, creating a budget gives you that sense of control and direction. And as Clare Elliott says so well, it's all about having a clear destination and a route to get there.  When it comes to forecasting income, we broke down why simply relying on your monthly direct debits isn't enough. Clare explained how even with recurring revenue, clients leave, services change and prices rise. Without a plan to add new clients or adjust pricing, your business starts moving backwards. So we explored how to break down income forecasting into manageable chunks: from what's already secured, to potential upsell opportunities, to the leads you haven't even generated yet. Clare made a really strong point here. If you're standing still, you're actually going backwards, especially if you're not increasing prices annually.  We also got into the nitty gritty of budgeting for costs. From fixed overheads and vendor costs to salaries and project delivery, Clare Elliott laid out the foundations of building a practical budget. The advice was simple but powerful: start with what you know, build in contingency, and always allow for profit and savings. And if you're not reviewing your projects after delivery, you're probably leaving money on the table. It's not just about quoting right the first time. It's about learning and refining the process with every job.  Another brilliant insight from Clare was how budgeting drives change. Once you know what profit you want at the end of the year, you can work backwards to see what sales are needed and what activity has to happen to get you there. It's not about hoping. It's about planning. The budget becomes the engine room of your business, and it's how you avoid that constant cycle of feast and famine.  We then moved on to how budgeting and forecasting translate into cashflow management. Because let's face it, profit is great, but cash is king. You can be profitable on paper but still run out of money if clients pay late or vendors need paying early. Clare walked us through the importance of understanding timing, building up cash reserves and planning for VAT, PAYE and corporation tax well in advance. No surprises, no panic, just a clear picture of what's coming.  We also covered what a typical finance function looks like as an MSP grows. Clare Elliott shared some cracking advice on when to bring in bookkeepers, management accountants or part-time finance directors, and what to expect at each stage of business maturity. Whether you're turning over half a million or pushing past the seven-figure mark, having the right financial support in place can be a game changer.  We wrapped up with some solid troubleshooting tips for when things go off course. From negotiating with vendors to accelerating debtor collections, Clare gave us a toolkit to lean on in the tough times. But the consistent message throughout was clear: don't bury your head in the sand. Budgeting is not a punishment. It's a plan. And it's the fastest way to create freedom, profit and peace of mind in your MSP.  So if you're ready to stop winging it and start budgeting like a boss, go back and listen again. Build your first forecast. Book some time with your FD or accountant. Or reach out to us and we'll help you figure out what steps to take next. As Clare Elliott so rightly put it, if you're already doing well without a budget, just imagine what you could achieve with one.  Connect on LinkedIn HERE with Ian and also with Stuart by clicking this LINK  And when you're ready to take the next step in growing your MSP, come and take the Scale with Confidence MSP Mastery Quiz. In just three minutes, you'll get a 360-degree scan of your MSP and identify the one or two tactics that could help you find more time, engage & align your people and generate more leads.  OR   To join our amazing Facebook Group of over 400 MSPs where we are helping you Scale Up with Confidence, then click HERE  Until next time, look after yourself and I'll catch up with you soon!   

Un auditeur, très surpris d'avoir les Grosses Têtes au bout de fil, lance des piques à Christine Bravo ! C'est à ne plus savoir s'il l'apprécie ou non... Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Bishop Paye Bagnon - Liberia 05/16/2025 2025/05/28 (Radio Air Date) World Ministries International Eagles Saving Nations Dr. Jonathan Hansen - Founder & President Rev. Adalia Hansen worldministries.org Visit our Rumble channel https://rumble.com/c/WarningTVJonathanHansen (360) 629-5248 WMI P.O. Box 277 Stanwood, WA 98292 warning@worldministries.org Visit our website http://www.worldministries.org/ and subscribe to Eagle Saving Nations https://www.worldministries.org/eagles-saving-nations-membership.aspx Sign up for Dr. Hansen's FREE newsletters http://www.worldministries.org/newsletter-signup.html Support Dr. Hansen through your financial gift https://www.worldministries.org/donate.aspx Order Dr. Hansen's book “The Science of Judgment” https://www.store-worldministries.org/the-science-of-judgment.html

"Depuis la qualif, j'ai fait trois restos à Marseille, personne n'a voulu que je paye."Medhi Benatia est l'invité de Rothen s'enflamme !

durée : 00:05:50 - Dans la playlist de France Inter - Celle qu'on appelle Boss Lady charbonne comme personne et annonce une mixtape Mega BBL avec une impressionnante liste d'invités : Luidji, Juliette Armanet, JUL, Thisizlondon... Sortie prévue le 30 mai, en attendant on écoute Pay!

Du haut de ses 80 ans, l'amiral n'a pas perdu de sa légendaire répartie.... Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Les compliments d'Isabelle Mergault envers Jérémy Ferrari tournent à la critique. Il en profite pour caler un petit pique pour se défendre... Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

House GOP has proposed a new bill that would radically reshape student loans for years to come. But it would also impact existing borrowers too if were to pass.

The cost of just about everything we need to run a home will be more expensive for millions of households from Tuesday. Switching on the lights, turning on the heating, turning on the tap, calling your mum or your best friend, logging on to emails, will all cost more with rises usually well above the rate of inflation. We'll have tips on how to tackle those bills if you're struggling to pay them.A payment service provider for hundreds of schools has decided to cease trading in the UK. What does this mean for parents who still have money on their accounts?And hundreds of thousands of better off parents who claim Child Benefit should soon have a simpler way of paying the tax they owe on it. Some higher earners who've had to register for self-assessment to pay something called the ‘High Income Child Benefit Charge' will soon be able to pay it via PAYE. What does the announcement, which was in the Spring Statement, mean in practice?Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle(First broadcast at 12pm Saturday 29th March, 2025)

durée : 00:20:57 - On s'en paye une tranche avec L'Atelier du Boucher à Pau - L'atelier du Boucher, à Pau, propose un concept inédit alliant boucherie halal traditionnelle et snack rôtisserie. Créé par deux frères jumeaux, ce lieu innovant met à l'honneur la viande fraîche avec des sandwiches gourmands, tout en répondant aux attentes locales. À découvrir absolument !

On rentre dans débat budgétaire sur les 40 milliards à trouver, l'occasion d'une révélation : ce que les consommateurs payent déjà aux caisses des hypers... sans s'en rendre compte. Un hypermarché a accepté d'ouvrir son livre de comptes détaillé à Olivier Dauvers. Ecoutez Olivier Dauvers : Les secrets de la conso du 22 avril 2025.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

En ce mois d'avril 2025, on rentre dans un débat budgétaire sur les 40 milliards à trouver. L'occasion d'une révélation : ce que les consommateurs payent déjà aux caisses des hypers... sans s'en rendre compte. Un hypermarché a accepté d'ouvrir son livre de comptes détaillé à Olivier Dauvers. Cette saison dans "RTL Matin", Olivier Dauvers part à la quête des bonnes affaires et vous livre ses secrets pour éviter les arnaques et devenir un consommateur avisé ! Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Au restaurant, Julien Courbet paye toujours l'addition ! Enfin seulement la moitié et sans laisser de pourboire... Tous les jours, retrouvez en podcast les meilleurs moments de l'émission "Ça peut vous arriver", sur RTL.fr et sur toutes vos plateformes préférées. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Si les parents de Jérémy Ferrari ont un toit, c'est grâce à Laurent Ruquier ! Ils ont même troqué Charleville-Mézières pour les Gorges du Verdon. Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Davidson revient sur une vérité choquante : il n'a jamais été payé depuis le début. Entre colère, rires gênés et révélations, l'équipe de Podkassos fait face à une réalité qu'elle aurait préféré ignorer. (C'est faux, y a rien de tout ça, mais ça fait cliquer)Note et commente le podcast voyons.

The Department of Education just dropped a negotiated rulemaking announcement, and while it might sound like dry policy talk, this one's worth your attention — especially if you're pursuing Public Service Loan Forgiveness (PSLF), on Pay As You Earn (PAYE), or using Income-Contingent Repayment (ICR). Learn what negotiated rulemaking actually means, why it matters, and what kinds of changes could be on the horizon for federal student loan repayment. We'll also walk through the strategy behind these proposed updates, what the timeline might look like, and the political and legal dynamics that could affect how this all plays out. Key moments: (03:20) My initial take: borrowers don't need to panic just yet — and here's why (05:35) What these changes could actually mean for PSLF borrowers (06:59) PAYE and ICR might be affected, but IBR is protected by statute  (10:49) The GOP proposal targets nonprofit hospitals, but I don't think it'll go anywhere (12:34) With 2026 elections in sight, student loan overhauls will probably stay pretty modest Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

durée : 00:07:38 - La Terre au carré - par : Mathieu Vidard - Dans les dix dernières minutes de La Terre au carré, la Une de l'écologie avec Loup Espargilière de Vert le média, et vos messages laissés sur le répondeur de l'émission. - réalisé par : Jérôme BOULET

We have the lovely Shakira Ja'nai Paye (I'm Kinda That Witch) telling us about the benefits of breath work, including visitations and some very vivid dreams. Check her out at https://www.breathworkbaddies.com/. Our listener, Sierra, can speak to spiders.Please send us your own true paranormal experiences in either a voice memo or e-mail to funnyfeelingpod@gmail.com. With Tempo, a new heat & eat delivery option, you can have balanced, prepared meals ready to eat in just minutes. For a limited time, Tempo is offering our listeners 60% OFF your first box! Go to tempomeals.com/funnyfeeling.Advertise on A Funny Feeling via Gumball.fm"See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Student loans — especially under income-driven repayment (IDR) plans — continue to be one of the most asked-about topics among ER docs. With all the recent changes, pauses, and legal uncertainty, figuring out what to do next has become increasingly difficult. We're recording this episode to help break down the latest updates, including the major change as of February 21st that halted all IDR applications, and to answer some of the most common questions we've been hearing. If you're pursuing PSLF, on SAVE, PAYE, or just trying to make sense of it all — this episode's for you.

Enquête "Que Choisir" : les conseilleurs des opérateurs de téléphonie proposent-ils des forfaits adaptés ? La réponse est "non" et, sans surprise, cherchent toujours à placer des forfaits trop chers... Ecoutez Olivier Dauvers : Les secrets de la conso du 20 mars 2025.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

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  

In this week’s Tax Factor, Ele Theohari and Tomm Adams look at a recent VAT tribunal case - are hair transplants a medical necessity or just cosmetic? Meanwhile, HMRC is under fire again. While they’ve launched a dedicated service to clear long-standing PAYE and Self-Assessment queries, MPs are questioning their leadership structure and fairness in customer service. Plus, we break down the latest IR35 data post-2021 reforms, changes to Beneficial Loan Arrangement rates, and the case of a tax evader who admitted he’d been “a silly boy” and has been handed an £850k civil recovery order.See omnystudio.com/listener for privacy information.

Sébastien Thoen se venge de Max Boublil qui parle dans son dos sur le plateau des Grosses Têtes ! Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL.

Questions? Thoughts? Send a Text to The Optometry Money Podcast!The student loan landscape is shifting again! In this episode, Evon breaks down the latest updates on the SAVE Plan, the recent court rulings, and what these changes mean for optometrists navigating their student loan repayment.With major legal challenges in play, borrowers on SAVE are currently in interest-free forbearance, but the future of the program remains uncertain. Evon unpacks the key takeaways from the recent 8th Circuit Court of Appeals decision, discusses potential next steps, and shares what optometrists should consider when making student loan repayment decisions.What You'll Learn:✅ Background on the SAVE Plan & Legal Challenges – Why the courts put SAVE on hold and what's next✅ What This Means for Optometrists – How the latest rulings impact those on SAVE, PAYE, and IBR plans✅ Should You Switch Plans? – Factors to consider before making a move✅ Tax Strategies for Student Loan Borrowers – Filing tips to optimize student loan repayment✅ Preparing for Uncertainty – Practical steps to protect your financial futureKey Takeaways:

Recent court rulings and policy shifts have created confusion, leaving borrowers wondering what to do next. Should you stay on SAVE, switch plans, or wait it out? We break down what's happening, why PAYE and ICR are back in the spotlight, and whether sticking with SAVE or switching plans is the smarter strategy. We'll also cover key financial factors that could affect your repayment plan, like credit card debt, maternity leave, and tax filing choices. If you're unsure what this means for you, tune in for insights and next steps to keep your student loan strategy on track.Key moments:(03:38) When sticking with SAVE is the smartest financial move(06:19) Ditching SAVE could fast-track PSLF loan forgiveness(10:24) Your tax filing status could be the key to lowering your student loan payments(16:09) If you borrowed federal loans between October 2007 and July 2014, PAYE might be a golden opportunityDVMs deserve financial experts who speak their language. Book a free intro call today. Just browsing? Learn more about us at SLP Wealth.Like the show? There are several ways you can help!Follow on Apple Podcasts, Spotify or Amazon MusicLeave an honest review on Apple Podcasts

Le sujet fort de l'actualité foot du jour vu par Jérôme Rothen et la Dream Team.

The student loan landscape is a mess — uncertainty, delays, conflicting headlines, and a whole lot of anxiety. Should you switch repayment plans? Are you eligible for PAYE? And how could political changes impact Grad PLUS loans and Public Service Loan Forgiveness (PSLF)? We're answering real borrower questions and sharing practical steps you can take right now so you don't get caught off guard by sudden changes. If you're feeling stuck, overwhelmed, or just unsure of your next step, this episode is for you.   Key moments:   (06:08) Should you switch to a new IDR plan or stick with SAVE? (13:19) Could an executive order eliminate Grad PLUS loans? (19:32) Can DOGE change access to PSLF or IDR forgiveness? (25:23) Taking time off for kids? Here's how to manage student loan repayment during career breaks (32:43) What to expect with student loans and income recertification Link mentioned:   Income-Driven Repayment (IDR) plan request   Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!  

Dans cette séquence, Sébastien Thoen ne mâche pas ses mots et se moque de Roselyne Bachelot et de Gérard Jugnot. Les autres Grosses Têtes n'hésitent pas à se prendre au jeu !Retrouvez tous les jours le meilleur des Grosses Têtes en podcast sur RTL.fr et l'application RTL.

What's next for student loan borrowers in a world of shifting repayment plans and interest rates? Financial planner Sim Terwilliger, CFP®, CSLP®, joins us to break down the potential repeal of the SAVE plan and how it could reshape repayment strategies. We explore why PAYE or IBR might take center stage, when refinancing could make sense, and why it's always a case-by-case decision. If you're PSLF-eligible or unsure how these changes impact your financial future, this episode has the answers you need. Key moments: (01:51) PAYE might be the go-to repayment plan if SAVE is repealed (and we think it will be) (07:04) Refinancing your loans could make sense, but it isn't for everyone (16:08) The trade-offs of refinancing, including losing federal protections (22:30) Why refinancing is a no-go if you're PSLF-eligible Like the show? There are several ways you can help! Follow on Apple Podcasts, Spotify or Amazon Music Leave an honest review on Apple Podcasts  Subscribe to the newsletter Feeling helpless when it comes to your student loans? Try our free student loan calculator Check out our refinancing bonuses we negotiated Book your custom student loan plan Get profession-specific financial planning Do you have a question about student loans? Leave us a voicemail here or email us at help@studentloanplanner.com and we might feature it in an upcoming show!