Podcasts about Paye

Aujourd'hui, Fatima Aït Bounoua, Didier Giraud et Bruno Poncet, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Aujourd'hui, Fatima Aït Bounoua, Didier Giraud et Bruno Poncet, débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

durée : 00:02:22 - 100% PSG - Le billet - Dembélé et Doué blessés et c'est tout le secteur offensif parisien qui est impacté. Les deux joueurs vont manquer au moins un mois de compétition et le PSG paye son mercato offensif inexistant. Il ne faut aucune autre absence. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:03:23 - Charline explose les faits - par : Charline Vanhoenacker - L'expression “C'est Nicolas qui paye” qui fait florès sur les réseaux est reprise par les politiques les plus à droite. « Nicolas », c'est le nouvel archétype de la “vache à lait”, face à la fiscalité. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

durée : 00:03:23 - Charline explose les faits - par : Charline Vanhoenacker - L'expression “C'est Nicolas qui paye” qui fait florès sur les réseaux est reprise par les politiques les plus à droite. « Nicolas », c'est le nouvel archétype de la “vache à lait”, face à la fiscalité. Vous aimez ce podcast ? Pour écouter tous les autres épisodes sans limite, rendez-vous sur Radio France.

A 10h, ce lundi 25 août 2025, les GG : Didier Giraud, éleveur de bovins, Charles Consigny, avoca, et Fatima Aït Bounoua, prof de français, débattent de ce "Nicolas qui paye".

"Paye Ta Tournée" c'est une soirée à 2 avec des drinks, de l'ecommerce et du rire. Toujours sans langue de bois.Pour contacter Arnaud :https://www.linkedin.com/in/aguedj Nos liensRejoignez le groupe WhatsApp du podcast : https://whatsapp.lecafedelecommerce.fr/Pour vous abonner au podcast, c'est ici : https://podcast.ausha.co/le-cafe-de-l-ecommerce  Le site http://lecafedelecommerce.fr/Tous les évènements e-commerce du Café de l'E-Commerce : https://www.butterflyagency.io/les-evenementsHébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

En France, le café est la première boisson chaude consommée. En 2024, on estime qu'un français boit en moyenne deux à trois tasses par jour. Derrière ce produit ultra populaire, il y a en réalité deux filières : le café industriel, largement majoritaire, et le café dit "de spécialité".Les cafés de spécialité sont plus chers, mais se veulent meilleurs en goût que les cafés industriels. Un peu comme le vin, ils mettent en avant des saveurs et des terroirs originaux. Les méthodes de production sont aussi scrutées, et de gros efforts sont fournis en matière de durabilité.Goût, traçabilité, durabilité... Découvrez les grandes différences entre café industriel et café de spécialité. Avec :Benoît Daviron, spécialiste en économie politique internationale et chercheur associé au sein de l'unité de recherche MoISA à MontpellierArnaud Causse, responsable transition agroécologique chez Belco, une entreprise sourceur de cafés verts de spécialitéNourrir le vivant est un podcast produit par le Cirad (Centre de coopération internationale en recherche agronomique pour le développement). Écriture et réalisation : Ysaline Sanguine. Mixage : Ysaline Sanguine. Identité graphique : Delphine Guard-Lavastre. Musique : uppbeat.io / Eyes Closed - Tobias Voigt.Hébergé par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

In this episode of The Personal Finance Podcast, we break down the massive student loan changes hitting in 2025—why SAVE, PAYE, IBR, and ICR plans are being eliminated for new borrowers starting July 2026, how interest resuming on SAVE loans means balances could grow again, and why wage garnishment restarts in August 2025. We provide a 12-step action plan to pay off loans faster, including the biweekly payment hack that saves $1,000+ in interest, scripts to negotiate lower rates, and how to get $5,250 per year in tax-free employer loan assistance before these changes make escape even harder. ⁠Get the Student Loans GUIDE Here!  How Andrew Can Help You: Listen to The Business Show here. Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Car buying Calculator here Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Shop outdoor furniture, grills, lawn games, and WAY more for WAY less. Head to wayfair.com Get 50% Off Monarch Money, the all-in-one financial tool at www.monarchmoney.com/PFP Chime: Start your credit journey with Chime. Sign-up takes only two minutes and doesn't affect your credit score. Get started at chime.com/  Acorns: Start investing automatically with Acorns and get a $5 bonus at Acorns.com/PFP  Visit www.functionhealth.com/PERSONALFINANCE or use gift code PERSONALFINANCE100 at sign-up to own your health. ⁠Delete Me⁠⁠: Use Promo Code PFP for 20% off! Connect With Andrew on Social Media: Instagram TikTok Twitter Master Money Website Master Money Youtube Channel  Free Guides: The Stairway to Wealth: The Order of Operations for your Money How to Negotiate Your Salary The 75 Day Money Challenge Get out Of Debt Fast Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Aujourd'hui, Abel Boyi, Antoine Diers et Barbara Lefebvre débattent de l'actualité autour d'Alain Marschall.

The One Big Beautiful Bill introduced changes to student loans, eliminating the PAYE and SAVE plans in favor of new loan payment plans. A guest joins this episode to review the changes, who qualifies for the new plans and how to balance debt repayment with your other financial goals.   LINKS CWA Blog: The One Big Beautiful Bill Act cainwatters.com Submit a Question Facebook | YouTube | Instagram

Aujourd'hui, Antoine Diers, Emmanuel de Villiers et Bruno Poncet débattent de l'actualité autour d'Alain Marschall et Olivier Truchot.

Ce matin dans le Morning Mood

A tax expert says there is a concerning trend as businesses owe more and more to Inland Revenue. Businesses owe more than $1.4 billion in unpaid GST and PAYE from the 2025 tax year. Only $66 million of that is from businesses or individuals that are bankrupt or in liquidation. Deloitte Tax Partner Robyn Walker told Mike Hosking the construction sector alone owes about $1 billion. She says it is difficult to say how it stacks up against other industries. LISTEN ABOVE See omnystudio.com/listener for privacy information.

New Zealand businesses owe more than $1.4 billion in unpaid GST and PAYE from the 2025 tax year, according to new reports. Of 2025's number, $432.9 million relates to employer activities and $1.047 billion to GST. IRD Customer Segment Manager Tony Morris says this data's in line with what's happening overseas - but it's an area they aim to put more focus on. "What we're seeing is a bit of an increase in the amount of companies getting in debt - and some of those are the ones that possibly would have failed earlier during Covid. So we're definitely seeing an increase." LISTEN ABOVESee omnystudio.com/listener for privacy information.

New Zealand businesses owe more than $1.4 billion in unpaid GST and PAYE from the 2025 tax year, according to new reports. Of 2025's number, $432.9 million relates to employer activities and $1.047 billion to GST. IRD Customer Segment Manager Tony Morris says this data's in line with what's happening overseas - but it's an area they aim to put more focus on. "What we're seeing is a bit of an increase in the amount of companies getting in debt - and some of those are the ones that possibly would have failed earlier during Covid. So we're definitely seeing an increase." LISTEN ABOVESee omnystudio.com/listener for privacy information.

A tax expert says there is a concerning trend as businesses owe more and more to Inland Revenue. Businesses owe more than $1.4 billion in unpaid GST and PAYE from the 2025 tax year. Only $66 million of that is from businesses or individuals that are bankrupt or in liquidation. Deloitte Tax Partner Robyn Walker told Mike Hosking the construction sector alone owes about $1 billion. She says it is difficult to say how it stacks up against other industries. LISTEN ABOVE See omnystudio.com/listener for privacy information.

This episode of Financial Clarity for Doctors delves into some updates to charitable giving under the new One Big Beautiful Bill as well as some other items in the bill that may affect listeners.  Hosts Corey Janoff and Rachelle Vanderzanden walk through some highlights.  Keep in mind that federal policy evolves as the executive branch and Congress evolve.  This is the tax structure for now, but not forever. Changes under the One Big Beautiful Bill Act include: Non-itemizers may deduct charitable gifts of up to $1,000 per person, $2,000 per couple. Itemized deductions will be limited to gifts exceeding 0.5% of Adjusted Gross Income (AGI). Grouping gifts into a single tax year may still be beneficial for many people. Tax brackets, higher standard deductions, and high estate tax exemptions have been made “permanent”. Student loans from the federal government will be limited for new borrowers. Student loan payment plans will be limited to two options for new borrowers: a standard repayment plan and the income-driven RAP plan. The new RAP plan will be 10% of AGI (not discretionary income). Existing borrowers may need to switch payment plans if they are on SAVE or PAYE before July 2028, but still have more options than new borrowers. Most tax credits geared toward energy efficiency are being phased out. Introduction of “Trump” accounts with a $1,000 federal government deposit for kids born from 2025 to 2028. Increased requirements for Medicaid reimbursements may affect many providers.   This bill was huge!  You can listen to the full episode to hear more, but if there is a specific item you think may affect you, do some additional research.  Pay special attention to the energy tax credit phase out if you were planning to do some of this in your home/life, student loans for your kids and your loans if you still have them, and how Medicaid reimbursements may affect you as a provider.  Listen to the full episode to learn more!   For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Sorry for the delay, Jordan was at Comic-Con (Ancestral Recall in stores next week) but we back! And we're so happy to have special guest Shakira Ja'nai Paye of the upcoming Demascus (on Tubi) and her amazing podcast I'm kind of that witch! So of course we're talking about the 90's cult hit, The Craft.  While not a white savior movie per say, there's still lots to discuss. We talk about how Rochelle's story was changed after Rachel True was cast, how Black magic like voodoo is often portrayed negatively, and play a very Baltimore specific game.  Huge thanks to Shakira! Check out her podcast wherever you listen to ours and also watch Demascus on Tubi starting August 7th! And follow her at @Shakirapaye on IG and TikTok.  We of course always have something cooking. We're thinking of doing some live movie streams, so write into us at whitepeoplewontsaveyoupod@gmail.com

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   

Cette saison dans l'émission, plusieurs auditeurs ont eu un problème similaire : l'Etat tarde à rembourser une certaine somme. Retour sur le cas de Caroline et sa fourrière, avec l'enquêteur Thomas Renard ! L'équipe de "Ça peut vous arriver" vous accompagne tout le mois de juillet du lundi au vendredi ! Dans les podcasts inédits des "Cas en or", les membres de l'équipe de l'émission reviennent, au micro de Chloé Lacrampe, sur les cas marquants de la saison.Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

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

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.

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.

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 !

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)

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.

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.

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!  

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.

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.