Podcasts about pensions

We discuss how Trump tariffs are affecting Ohio's pension systems, a new House Bill 6 documentary, a court ruling on Ohio's social media law for teens and why lawmakers don't want coroners to be elected.

In this episode of Hub & Spoken, Jason Foster, CEO of Cynozure, chats with Luis Mejia, VP Data, Platforms & AI at PensionBee, about how the company is transforming the pension industry through smart use of data and AI. Luis shares how a digital-first mindset is helping PensionBee enhance customer experience, manage data effectively, and fuel business growth. He dives into how AI is being used in customer service, blending tech with human touch to build trust, and why ethics and transparency matter more than ever. From marketing to customer support, this episode explores the real-world challenges and opportunities of using data and AI. Luis also looks ahead to a future where AI helps democratise data and puts power in the hands of individuals. A must-listen for data and business leaders driving change in a digital world. Research Luis mentioned in the episode: https://www.pensionbee.com/uk/press/ai-and-pensions https://www.pensionbee.com/uk/press/age-vs-ai   Follow Luis on LinkedIn Follow Jason on LinkedIn ***********    Cynozure is a leading data, analytics and AI company that helps organisations to reach their data potential. It works with clients on data and AI strategy, data management, data architecture and engineering, analytics and AI, data culture and literacy, and data leadership. The company was named one of The Sunday Times' fastest-growing private companies in both 2022 and 2023 and recognised as The Best Place to Work in Data by DataIQ in 2023 and 2024. Cynozure is a certified B Corporation. 

In this episode of WealthTalk, we're joined by Raj Beri, a former scientist turned full-time property investor, who reveals how he built a successful portfolio using innovative strategies—including the Local Housing Allowance (LHA) model) to maximise rental income. With hosts Christian Rodwell and Kevin Whelan, Raj unpacks the complexities of navigating housing benefit tenants, government regulations, and tenant relationships, while debunking common myths that deter many investors from exploring this path.Raj shares the ups and downs of leaving behind a stable career, the importance of having a financial safety net, and how mentorship and community support have been key pillars in his property journey. He speaks candidly about the challenges of tenant management, the need for adaptability in an ever-changing market, and how leveraging his corporate skills helped him become a more effective landlord and investor.The episode also highlights Raj's belief that anyone can succeed in property with the right mindset, education, and support. Whether you're just getting started or looking to expand your strategy, this conversation offers practical insights into achieving long-term wealth through property.This episode is essential listening for aspiring and experienced property investors alike—especially those curious about high-cashflow models, buy-to-let, HMOs, and building resilience in the face of regulatory change.Tune in now to learn how Raj Beri transformed his life through property investment—and how you can too.Resources Mentioned In This Episode: >> Raj Beri [LinkedIn]>> Raj Beri [Website]>> Brand New! Wheel of WealthNext Steps On Your Wealth Building Journey: >> Join the WealthBuilders Facebook Community >> Schedule a 1:1 call with one of our team >> Become a member of WealthBuilders  If you have been enjoying listening to WealthTalk - Please Leave Us A Review! 

The market's turbulence due to the uncertainty around Trump’s tariffs and global trade dealings shouldn't dictate your retirement. In this episode, Abe Abich shares actionable steps to protect your life savings. He touches on diversifying your nest egg to minimize risk and ways to ensure stable income by leveraging social security and pensions. Abe also explains that retirees should consider tax strategies like Roth conversions and tax loss harvesting. Schedule your complimentary appointment today: TheRetirementKey.com Get a free copy of Abe’s book: The Retirement Mountain: The 7 Steps To A Long-Lasting Retirement Follow us on social media: YouTube | Instagram | Facebook | LinkedInSee omnystudio.com/listener for privacy information.

Recorded live at our Pensions and Retirement Conference 2025, this special edition podcast brings you the energy, ideas and insights from an event that brought together voices from across the industry. Join us as we speak to a range of hosts and delegates, capturing their reflections on the standout moments, most talked-about topics, and key takeaways from the day.From fresh thinking on pension design to the evolving role of schemes in supporting better retirements, this episode explores how the industry is working to create a meaningful and lasting legacy for savers. Whether you attended the event on the day or are catching up on the discussion, tune in for expert commentary, practical insights, and new perspectives on the future of retirement. Hymans Robertson disclaimerThis podcast has been prepared by Hymans Robertson LLP, and is based upon our understanding of events as at release date. It is designed to be a general summary of topical investment matters and is not specific to the circumstances of any particular employer or pension scheme. The information contained in this podcast should not be construed as advice and not be considered as a substitute for specific advice as the information is generic in nature. Where a podcast refers to legal matters please note that Hymans Robertson is not qualified to provide legal opinion and therefore you may wish to obtain independent legal advice to consider any relevant law and/or regulation. Hymans Robertson LLP accepts no liability for errors or omissions. Your Hymans Robertson LLP consultant will be pleased to discuss matters raised in this podcast in greater detail. Guests views are separate to that of Hymans Robertson.The information provided in this broadcast is not financial advice. Past performance is not a guide to the future. Please note the value of investments, and income from them, may fall as well as rise. This includes but is not limited to equities, government or corporate bonds, derivatives and property, whether held directly or in a pooled or collective investment vehicle. Further, investments in developing or emerging markets may be more volatile and less marketable than in mature markets. Exchange rates may also affect the value of investments. As a result, an investor may not get back the full amount of the original investment. Past performance is not necessarily a guide to future performance.Hymans Robertson LLP is authorised and regulated by the Financial Conduct Authority and Licensed by the Institute and Faculty of Actuaries for a range of investment business activities.

In this eye-opening episode of Mark and Pete, we tackle three hot-button topics shaping Britain's present and future. First, we dig into the Scunthorpe steel crisis, where the government's dramatic intervention to rescue British Steel marks a pivotal moment in UK industrial strategy and national sovereignty. Is this the return of meaningful statecraft, or just a sticking plaster on a rusty industry? Next, we explore the unsung hero of nutrition: choline. This vital brain-boosting nutrient is chronically overlooked in public health discussions, despite its growing importance in cognitive development, memory, and long-term mental health. We'll unpack the latest research, dietary sources, and why so few people—even health professionals—talk about it. Finally, we revisit the legacy of Sir Philip Green, once the high-street king, now a cautionary tale of corporate greed and moral failure. Should figures like Green face tougher consequences for business misdeeds, or is the system designed to protect them? Insightful, sharp, and never shy, Mark and Pete deliver commentary with both conscience and wit. Whether you're passionate about British industry, nutrition, or accountability, this episode has something for you. SEO Tags (one word each): Scunthorpe steel industry crisis Britain choline brain nutrition health memory cognition Philip Green greed retail collapse pensions ethics politics economyBecome a supporter of this podcast: https://www.spreaker.com/podcast/mark-and-pete--1245374/support.

Redefining Retirement Income: Insights from Chancery Lane's CEODoug Brodie, CEO of Chancery Lane, a firm specializing in retirement income planning, discusses the evolving landscape of pension schemes. Brody critiques the industry's focus on pension pots rather than sustainable income and offers an outcome-driven approach. We also explore the mechanics of investment trusts, a lesser-known instrument that could bypass complex asset allocation challenges for retirees.LINKSDoug Brodie on Linkedin: https://www.linkedin.com/in/doug-brodie-income-investment-plannersChancery Lane: https://www.chancerylane.net/Related episodes on Pensions: https://www.youtube.com/playlist?list=PLbJ1012cgPCAy2NXMIob3W30DXM3rF3OM

Is it possible to reach FIRE by 45, even on a teacher's salary or an average income? Today's guest is proving that, yes, you can retire early, regardless of your paycheck. It may be a little harder than it is for high-income earners, but with frugality, discipline, and smart investments, regular people can achieve FIRE! Welcome back to the BiggerPockets Money podcast! At just 31 years old, Kat has been diligently maxing out her retirement accounts, saving a ton of cash, and making enormous strides towards retiring by age 45. Most would say this is a long shot for someone with a teacher's salary, but thanks to a high savings rate and savvy financial decisions, Kat is right on track to reach her lofty goal. The real question is, should she? Kat will need to grind for the next 15 years to retire on her original timeline. Is it worth taking an extra couple of years to reach financial independence if it prevents burnout? In this episode, Mindy and Amberly will break down Kat's options, help her avoid the dreaded middle-class trap, and give her a roadmap for achieving FIRE quickly while also enjoying the journey! In This Episode We Cover Kat's roadmap to FIRE by age 45 (on a teacher's salary!) Why you DON'T need to be a high income earner to retire early When to stop contributing to retirement accounts and pivot to other investments Giving yourself financial flexibility by saving cash (and how to deploy it) When you should (and shouldn't) pay off your mortgage early Why it's worth taking extra time to enjoy the journey to financial independence And So Much More! Links from the Show Mindy on BiggerPockets Scott on BiggerPockets Listen to All Your Favorite BiggerPockets Podcasts in One Place Join BiggerPockets for FREE Email Mindy: Mindy@biggerpockets.com Email Scott: Scott@biggerpockets.com BiggerPockets Money Facebook Group Follow BiggerPockets Money on Instagram “Like” BiggerPockets Money on Facebook Subscribe to the BiggerPockets Money YouTube Channel! The Simple Path to Wealth The Fioneers Coast FI Calculator FIRE Faster with the Book, “Set for Life” Sign Up for the BiggerPockets Money Newsletter Find an Investor-Friendly Agent in Your Area BiggerPockets Money 259 - Pensions 101: Are Pensions Worth It? w/ Grumpus Maximus Connect with Amberly Check out more resources from this show on BiggerPockets.com and https://www.biggerpockets.com/blog/money-629 Interested in learning more about today's sponsors or becoming a BiggerPockets partner yourself? Email advertise@biggerpockets.com Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of WealthTalk, we're joined by Donnie Maclean, the founder of Eat Balanced, a company committed to creating healthier pizzas that don't compromise on taste—developed in collaboration with a professor of nutrition. Donnie takes us through his entrepreneurial journey, highlighting the challenges of building a food brand from scratch, getting into supermarkets, and the even harder task of staying on the shelves.He shares his philosophy of "health by stealth", aiming to improve nutrition without forcing radical changes in consumer habits. Throughout the conversation, Donnie speaks openly about the emotional roller coaster of business ownership, the importance of accountability, and the lessons he's learned from years in the industry. His story is one of resilience, innovation, and the constant pursuit of improvement.The episode also explores Donnie's transition into the world of business acquisitions and sales, as he discusses the flawed nature of the current system and the emotional toll it can take on business owners. His new venture, Sell to Retire, is focused on supporting entrepreneurs who are ready to exit, by bridging the gap between sellers and buyers with empathy and understanding. Donnie reflects on the essential role of trust and communication in business relationships and shares his belief that financial independence is achievable with the right planning, especially as retirement approaches.This episode is a must-listen for anyone passionate about entrepreneurship, nutrition, business growth, or preparing for a successful business exit.Tune in now to hear Donnie's incredible journey and gain valuable insights that could transform your own business path.Resources Mentioned In This Episode: >> Donnie Maclean [LinkedIn]>> Health by Stealth [Website]>> Take the quiz to see if your business is ready to sellNext Steps On Your Wealth Building Journey: >> Join the WealthBuilders Facebook Community >> Schedule a 1:1 call with one of our team >> Become a member of WealthBuilders  If you have been enjoying listening to WealthTalk - Please Leave Us A Review! 

In this podcast episode, Brian Skrobonja takes us on a thought-provoking journey through the evolving concept of retirement. As we dive into the past, present, and future of retirement, Brian helps us unravel the complexities of this modern-day concept which, though deeply ingrained in our society, is relatively new in human history. This episode is essential for anyone planning for retirement, offering a fresh perspective on how to approach this significant life stage in the context of rapid societal shifts, economic developments, and increasing human longevity. We start off by exploring the concept of retirement and its transformation from ancient societies to the modern era. The Industrial Revolution marked a significant shift from agrarian societies to industrial ones, influencing how people viewed work and retirement. It even shaped the way that families and communities lived together. The change in how work was done over the centuries resulted in the creation of a retirement system based on pensions, which was the precursor to modern-day retirement benefits. In the 1900's, Social Security was introduced which shifted the responsibility from families and communities onto the government. In a relatively short period of time, the concept of retirement has changed drastically, and the pace of change is continuing to accelerate. Based on the way technology and healthcare are developing, it's very likely that retirement will look very different in the future as well. As the Baby Boomer generation progresses toward retirement, it will put tremendous strain on programs like Social Security and Medicare due to a considerably lower worker-to-retiree ratio than ever before in history. The programs and retirement paradigm will change, similar to the way that pensions underwent change. Pensions used to be the default vehicle for retirement but have become scarce and relegated, mainly for those with government jobs. According to the Social Security Administration, benefits are projected to run negative by 2033. And according to the Congressional Budget Office, the national debt is projected to reach $52 trillion in 2033. Life expectancy also continues to rise, which puts pressure on the current retirement paradigm from another angle. With new breakthroughs in human longevity, the concept of retirement will have to adapt. Retirement was once considered a necessary transition when a person was no longer productive in their work and had a short life expectancy once retired. Today, people retire when they're still fully capable of working. That reality is widening the chasm between the number of workers and retirees, as well as the financial resources needed to sustain retirement for longer periods of time. Retirement needs to be redefined, since the reality of shorter lifespans is no longer the case for most people. There are three factors that contribute to success in retirement. The first is contribution. The longer you contribute, the better. Perhaps redefining expectations after the age of 60 and looking toward a second half of life with a meaningful career or business may be called for. The second is prevention. The longer your retirement is, the more risks are amplified and can have a significant impact. Finding ways to move things into your control helps prevent unforeseen problems that put your retirement at risk. Examples of this include: insurance, annuities, and tax-free investments. The third is delegation. Retirement planning is a team sport. You can delegate the heavy lifting of a retirement plan to financial advisors, attorneys, insurance agents and CPAs and then use that collective wisdom to implement the actual plan.     Mentioned in this episode: BrianSkrobonja.com Common Sense Financial Podcast on YouTube  Common Sense Financial Podcast on Spotify   References for this episode: https://www.washingtonpost.com/technology/interactive/2023/aging-america-retirees-workforce-economy/ https://www.ssa.gov/OACT/TRSUM/index.html https://www.cbo.gov/publication/58946 https://www.econlib.org/library/Enc/IndustrialRevolutionandtheStandardofLiving.html#:~:text=On%20the%20other%20hand%2C%20according,come%2C%20it%20was%20nevertheless%20substantial https://www.ssa.gov/history/lifeexpect.html#:~:text=Life%20expectancy%20at%20birth%20in,and%20paid%20into%20Social%20Security https://www.macrotrends.net/countries/USA/united-states/life-expectancy#:~:text=The%20current%20life%20expectancy%20for,a%200.08%25%20increase%20from%202020 https://www.diamandis.com/blog/mark-hyman https://www.kiplinger.com/taxes/what-to-do-before-tax-cuts-and-jobs-act-tcja-provisions-sunset     Securities offered only by duly registered individuals through Madison Avenue Securities, LLC. (MAS), Member FINRA &SIPC. Advisory services offered only by duly registered individuals through Skrobonja Wealth Management (SWM), a registered investment advisor. Tax services offered only through Skrobonja Tax Consulting. MAS does not offer Build Banking or tax advice. Skrobonja Financial Group, LLC, Skrobonja Wealth Management, LLC, Skrobonja Insurance Services, LLC, Skrobonja Tax Consulting, and Build Banking are not affiliated with MAS. Skrobonja Wealth Management, LLC is a registered investment adviser. Advisory services are only offered to clients or prospective clients where Skrobonja Wealth Management, LLC and its representatives are properly licensed or exempt from licensure. The firm is a registered investment adviser with the state of Missouri, and may only transact business with residents of those states, or residents of other states where otherwise legally permitted subject to exemption or exclusion from registration requirements. Registration with the United States Securities and Exchange Commission or any state securities authority does not imply a certain level of skill or training. Our firm is not affiliated with or endorsed by any government agency.

This Man Built A $22B Investment Firm By Finding His Noble Cause & Thinking About Valuation, Not Value.GuestJonathan Hirtle Founder & Executive Chairman Hirtle Callaghan $22B Bio:In his role as Executive Chairman, Jon continues his intense focus on producing ever better net outcomes for clients. He serves as a full-time advisor to the Firm's Management Committee and spends time with the families and nonprofits we serve. Jon appears regularly on national broadcast networks including CNBC, Fox Business and Bloomberg Television. He is highly sought after for his commentary on investing and was dubbed the "Oracle of Outsource" by Pensions & Investments as Hirtle Callaghan is best known for its role in pioneering the outsourced CIO (OCIO) model for families and institutions. Prior to founding Hirtle Callaghan, Jon worked at Goldman Sachs advising family groups and institutions on investment strategy and securities selection. Previously, he served as an officer in the United States Marine Corps. He earned his B.S. and M.B.A. degrees from The Pennsylvania State University.

Stephen Grootes speaks to Andrew Davison, Head of Institutional Business at Old Mutual, about navigating pension challenges amidst economic uncertainty and market volatility. The Money Show is a podcast hosted by well-known journalist and radio presenter, Stephen Grootes. He explores the latest economic trends, business developments, investment opportunities, and personal finance strategies. Each episode features engaging conversations with top newsmakers, industry experts, financial advisors, entrepreneurs, and politicians, offering you thought-provoking insights to navigate the ever-changing financial landscape.Thank you for listening to The Money Show podcast.Listen live - The Money Show with Stephen Grootes is broadcast weekdays between 18:00 and 20:00 (SA Time) on 702 and CapeTalk. There’s more from the show at www.themoneyshow.co.za Subscribe to the Money Show daily and weekly newslettersThe Money Show is brought to you by Absa. Follow us on:702 on Facebook: www.facebook.com/TalkRadio702 702 on TikTok: www.tiktok.com/@talkradio702702 on Instagram: www.instagram.com/talkradio702702 on X: www.x.com/Radio702702 on YouTube: www.youtube.com/@radio702CapeTalk on Facebook: www.facebook.com/CapeTalk CapeTalk on TikTok: www.tiktok.com/@capetalk CapeTalk on Instagram: www.instagram.com/capetalkzaCapeTalk on YouTube: www.youtube.com/@CapeTalk567CapeTalk on X: www.x.com/CapeTalk See omnystudio.com/listener for privacy information.

How to address the pressing challenges facing the pension industry with technology. George Aliferis and Eve Read from Smart Pension explore the technological advancements and practical policy recommendations to improve pension outcomes. From UX, to education, communication, or "micro interventions" tune in to understand how Smart Pension is helping to achieve better retirement outcomes for all.LINKSEve Read on Linkedin: https://www.linkedin.com/in/everead/Smart Pension: https://www.smartpension.co.uk/Related episodes on Pensions: https://www.youtube.com/playlist?list=PLbJ1012cgPCAy2NXMIob3W30DXM3rF3OM

On this episode: How Wall Streets’ concerns and your concerns aren’t the same. Gold is going up, should you consider investing? More “paint by numbers” advice from the national financial media that isn’t helping. Subscribe or follow so you never miss an episode! Learn more at GoldenReserve.com or follow on social: Facebook, LinkedIn and YouTube.See omnystudio.com/listener for privacy information.

The lads talk about some exciting wins, news, and preview our games ahead.

On this powerful episode of Safety Corner, we're joined by Chris Campbell, the President of the Local 27 Carpenters Union, for an in-depth conversation that covers the past, present, and future of the construction industry.We dive into:

New research from the ESRI has shown that only half of fathers are using paternity leave, with issues around levels of income a common reason for not doing so.Claire Keane – Associate Research Professor in Taxation, Welfare & Pensions at the ESRI and co-author of the report and Frances Byrne, Director of Policy, Advocacy & Campaigning with Early Childhood Ireland spoke to Matt on The Last Word about this.Hit the ‘Play' button on this page to hear the conversation.

Stepping onto a stage or speaking in front of an audience can be intimidating, but mastering public speaking is a game-changer for building confidence, authority, and wealth. For Andy Haynes—award-winning property investor, former BBC presenter, and founder of Speaking Success—effective communication has opened doors to new opportunities and lasting connections.In this episode, Chris Rodwell and Andy explore the key strategies for becoming a confident speaker, including storytelling techniques, maintaining audience engagement, and using public speaking to elevate your brand. They also discuss how to turn nerves into a powerful asset, the importance of preparation, and why positioning yourself as a speaker can unlock joint ventures and business growth.If you're looking to improve your communication skills, build your personal brand, or use public speaking as a tool for wealth creation, this episode is packed with actionable insights to help you take the stage with confidence.Tune in now and start mastering the art of public speaking!Resources Mentioned In This Episode: >> Andy Haynes [LinkedIn]>> No More Rent: The First Time Buyer's Key to Unlocking Home Ownership [Amazon]>> Speaking Success w/ Andy HaynesNext Steps On Your Wealth Building Journey: >> Join the WealthBuilders Facebook Community >> Schedule a 1:1 call with one of our team >> Become a member of WealthBuilders  If you have been enjoying listening to WealthTalk - Please Leave Us A Review! 

Huge news in Elis and John towers today, for Producer Dave bumped into the man, the myth, the Solero supper himself, Mr Tim Davie. Could he use this opportunity to pitch a brand new true crime podcast about dupes from Stockport who get sold fake shoes? Well that commission's ripe for the taking if there's a Magnum that goes the other way.Alongside yet more DG discussion Elis really thinks he should get into juggling, for some inexplicable reason, and we have a game which makes the greatest use of a beat since the invention of the bass drum. To get in touch with the boys send anything you've got to elisandjohn@bbc.co.uk or WhatsApp on 07974 293 022.

We are pleased to share with you our latest episode of Pensions in a Pod, where industry specialists Tim Smith, Emma King, and Gemma Hanley explore the pressing issue of non-compliance with section 37, following the landmark Virgin Media judgments. As this issue evolves, our specialists help you stay ahead of the curve.

Join us for an insightful conversation with host Tiana Zhao and guest Lilach Frenkel from CAAT Pension to explore the evolving world of pensions.

In our second episode on DC consolidation, we look overseas. The Government has held up Australia as a role model. We discuss the rise of the Australian "supers", and the way in which they invest. What are the lessons for the UK consolidation journey? From our Sydney office, leading financial services lawyer Maged Girgis shares his thoughts. Subscribe to the HSF Pensions Notes Blog here: https://www.herbertsmithfreehills.com/notes/pensions/subscribe

Send us a text*just a note - we had the video and some audio files error post filming so you may hear a couple of glitches - so it's not perfect but we still wanted you to have the episode so we put it out anyway. Team Financielle xxxx*

The Naked Week team are back to place satirical news-tariffs on current events with a mix of correspondents, guests and, occasionally, live animals.This week we apply for a job in the parliamentary Work and Pensions office, play a game of 'Liz Truss or new ride at Alton Towers', and make a military incursion into Ambridge to steal territory from The Archers.From The Skewer's Jon Holmes and host Andrew Hunter Murray comes The Naked Week, a fresh way of dressing the week's news in the altogether and parading it around for everyone to laugh at.With award-winning writers and a crack team of contemporary satirists - and recorded in front of a live audience - The Naked Week delivers a topical news-nude straight to your ears.Written by: Jon Holmes Katie Sayer Gareth Ceredig Sarah Dempster Jason HazeleyInvestigations Team: Cat Neilan Louis Mian Freya Shaw Matt BrownGuests: Rubina Pabani, Alice Stapleton.Production Team: Laura Grimshaw, Tony Churnside, Jerry Peal, Katie Sayer, Phoebe Butler, Richard Young.Executive Producer: Philip Abrams Produced and Directed by Jon HolmesAn unusual production for BBC Radio 4.

Vilka är vinnare och förlorare i pensionssystemet och hur länge måste man jobba? Och vad innebär det att mängder av PPM-fonder nu slängs ut från fondtorget? Lyssna på alla avsnitt i Sveriges Radio Play. Det finns tydliga vinnare i pensionssystemet. Framförallt män som är födda tidigt under 1900-talet. Och den “arvsynd” som lever kvar från det gamla systemet innebär att yngre generationer fortfarande går miste om avkastning. Totalt kan det handla om tusentals miljarder, enligt en beräkning som Jacob Lundberg på Institutet för näringslivsforskning gjort.Pensionsåldrarna stigerSamtidigt behöver vi jobba allt längre upp i åldrarna. Hur länge måste de som är unga idag jobba för att få en dräglig pension? Och vad är det viktigaste att tänka på när det gäller den framtida pensionen? Mats Wester, journalist och pensionsexpert, ger tips. Hör till exempel hur du gör för att inte råka blåsa barnen på miljoner, ifall du skulle dö i förtid.Spararna flyr USA-fonderEfter alla utspel från Donald Trump flyr nu de svenska fondspararna från sina tidigare favoriter, USA-fonderna, och köper Sverigefonder istället. Hundratusentals får brev om fondbytenSamtidigt är det fler hundra tusen sparare som bytt fonder utan att de kanske ens vet om det. Då handlar det om PPM-fonder. För just nu pågår en gigantisk upphandling av det nya fondtorget inom premiepensionssystemet. Kritiker varnar för problemTanken är att höja kvaliteten och avkastningen för pensionsspararna. Men det finns kritiker. Upphandlingarna riskerar att försämra konkurrensen och mångfalden bland fonder och fondbolag, något som i förlängningen drabbar spararna, säger Fredrik Hård på Fondbolagens förening.Programledare och producent:Hanna MalmodinMedverkande och röster i programmet:Mats Wester, journalist och pensionsexpertJacob Lundberg, forskare IFNMonica Zettervall, pensionsexpert PensionsmyndighetenFredrik Hård, ekonom Fondbolagens föreningDaniel Edencrona, pensionssparare som stämt statenMartin Mörk, byråchef Justititiekanslern Erik Fransson, Fondtorgsnämndenekonomiekotextra@sverigesradio.se

Es brennt in der Wohnung und alle müssen raus; wegen eines längeren Stromausfalls funktioniert der Herd nicht oder weil es über Tage geschneit hat, ist der Weg zum Supermarkt blockiert. In diesen Fällen hilft es, wenn man vorbereitet ist. Feuerwehrfrau Theresa Balzer und NDR Reporter Torben Hildebrandt geben Tipps, was man für den Notfall zuhause griffbereit haben sollte: zum Beispiel einen Notfallrucksack und eine Dokumentenmappe mit den wichtigsten Unterlagen. Außerdem sprechen sie über Vorratshaltung. Das gehört unter anderem in den Notfallrucksack: • persönliche Medikamente • Erste-Hilfe-Material • batteriebetriebenes Radio, Reservebatterien • Dokumentenmappe • Verpflegung für 2 Tage in staubdichter Verpackung • Wasserflasche • Essgeschirr und -besteck • Dosenöffner und Taschenmesser • Taschenlampe, Reservebatterien • Schlafsack oder Decke Das gehört beispielsweise in die Dokumentenmappe: • Familienurkunden im Original • Sparbücher, Bankunterlagen, Versicherungspolicen im Original oder als beglaubigte Kopie • Renten-, Pensions- und Einkommensbescheinigungen, Einkommenssteuerbescheide im Original oder als beglaubigte Kopie • Qualifizierungsnachweise im Original oder als beglaubigte Kopie • Verträge im Original oder als beglaubigte Kopie • Testament, Patientenverfügung, Vollmachten als Original oder beglaubigte Kopie • Personalausweis, Reisepass - wenn im Ernstfall nicht griffbereit, dann als Kopie • Führerschein, Fahrzeugpapiere als Kopie Das Bundesamt für Bevölkerungsschutz und Katastrophenhilfe empfiehlt, bestimmte Mengen an Lebensmitteln zu bevorraten: • Essen und Trinken optimaler Weise für 10 Tage • 2 Liter Flüssigkeit pro Person und Tag • 2.200 kcal pro Person und Tag. Dabei Lebensmittel nach Haltbarkeit und persönlichen Vorlieben/Verträglichkeit wählen. Gelagerte Lebensmittel regelmäßig verbrauchen und neu bevorraten ("lebender Vorrat") • Haustiere nicht vergessen (Nahrung, Einstreu) Weitere Informationen und die vollständigen Listen findet ihr hier: https://www.bbk.bund.de/DE/Warnung-Vorsorge/Vorsorge/Notgepaeck/notgepaeck_node.html https://www.ndr.de/ratgeber/verbraucher/Notfall-Vorrat-anlegen-Welche-Lebensmittel-eignen-sich,lebensmittel704.html Die neuesten Folgen des NDR Feuerwehr-Podcasts gibt es immer zuerst in der ARD Audiothek. https://1.ard.de/meineinsatz10 NDR Reporter Torben Hildebrandt und Feuerwehrfrau Theresa Balzer empfangen Feuerwehr-Aktive, die von ihren prägendsten Erlebnissen erzählen. Außerdem erklären die beiden unter dem Titel "Wissen, das Leben rettet", was in brenzligen Situationen zu tun ist. Ob Feuerlöscher für zuhause, Erste Hilfe am Unfallort oder Tipps zum Thema Rauchmelder. Liebe Feuerwehrleute: Erzählt uns von euren spannenden Einsätzen. Schreibt uns eine E-Mail an: meineinsatz@ndr.de. Unser Podcasttipp: "Das Wissen" vom SWR https://www.ardaudiothek.de/sendung/das-wissen/8758500/

Le secteur spatial wallon est stratégique, particulièrement pour la défense et la cybersécurité. Vanessa Matz, ministre de la Politique scientifique, insiste sur la nécessité de maintenir les investissements dans l'Agence spatiale européenne pour soutenir la recherche, l'innovation et l'autonomie stratégique européenne. Elle souligne l'importance des partenariats entre la défense et le spatial, notamment pour des projets comme le centre de cybersécurité en construction à Redu. Malgré les restrictions budgétaires, elle plaide pour préserver ces financements essentiels. Vanessa Matz rappelle également la nécessité d'une gestion publique efficace et appelle à explorer des financements privés. Elle s'oppose à la vente précipitée d'actifs publics stratégiques tels que Proximus ou bpost, qui pourraient affaiblir l'État. Par ailleurs, elle préconise une approche globale pour évaluer les biens publics à conserver ou céder. Dans un contexte de modernisation de la fonction publique, elle soutient la contractualisation progressive tout en valorisant les compétences des fonctionnaires et en améliorant l'attractivité des métiers publics, notamment via des salaires compétitifs. Vanessa Matz est en charge de la politique scientifique. Les chercheurs aux Etats-Unis font face à des attaques de l'administration Trump. Concernant la fuite des cerveaux, elle appelle à une stratégie coordonnée, belge et européenne, pour attirer les chercheurs internationaux. Enfin, elle réaffirme son opposition catégorique à la suppression du statut d'artiste, qu'elle considère comme une ligne rouge pour son parti, tout en insistant sur le respect des accords gouvernementaux Vanessa Matz est ministre de l'Action et de la modernisation publiques Merci pour votre écoute N'hésistez pas à vous abonner également aux podcasts des séquences phares de Matin Première: L'Invité Politique : https://audmns.com/LNCogwPL'édito politique « Les Coulisses du Pouvoir » : https://audmns.com/vXWPcqxL'humour de Matin Première : https://audmns.com/tbdbwoQRetrouvez tous les contenus de la RTBF sur notre plateforme Auvio.be Retrouvez également notre offre info ci-dessous : Le Monde en Direct : https://audmns.com/TkxEWMELes Clés : https://audmns.com/DvbCVrHLe Tournant : https://audmns.com/moqIRoC5 Minutes pour Comprendre : https://audmns.com/dHiHssrEt si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

Leaving behind the familiarity of residential property investment can feel like a big leap, but for Suzi Carter, transitioning to commercial real estate has opened the door to higher returns, greater financial security, and long-term wealth-building opportunities. As a seasoned commercial property expert and founder of The Commercial Property Academy, Suzi has helped countless investors leverage SSAS pensions, navigate economic shifts, and uncover high-yield commercial deals.In this episode, Chris Rodwell and Suzi dive into the key strategies for succeeding in commercial property, including identifying undervalued properties, understanding tenant demand, and using creative deal structures like lease purchase options. They also explore the latest UK budget changes and how investors can adapt to new tax policies while capitalising on current market opportunities.If you're looking to diversify your portfolio, unlock new funding strategies, or build wealth through commercial property, this episode is packed with practical insights to help you take action.Tune in now and take control of your financial future!Resources Mentioned In This Episode: >> Suzi Carter [LinkedIn]>> Suzi Carter [Website]Next Steps On Your Wealth Building Journey: >> Join the WealthBuilders Facebook Community >> Schedule a 1:1 call with one of our team >> Become a member of WealthBuilders  If you have been enjoying listening to WealthTalk - Please Leave Us A Review! 

Are pensions a relic of the past? Josh dives into the rapid decline of pensions and what it means for retirement planning today. With companies slashing pension plans to cut costs and boost stock prices, workers are now forced to rely on 401(k)s and other personal savings. Josh breaks down why pensions are disappearing, the challenges facing public sector plans, and how retirees can build their own steady income streams. From annuities to dividend stocks and bonds, he explores ways to replace the security pensions once provided. Then in 'Extra Points,' Josh looks at the Boeing strike over pensions and what it reveals about the future of retirement benefits. Can't get enough of The Financial Quarterback? Click ‘Subscribe' so you never miss a play. If you're enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going!

Chancellor of the Exchequer Rachel Reeves has defended the cuts to disability benefits announced in the Spring Statement. The Department for Work and Pensions' own assessment warned that the changes would push 250,000 people into poverty. Also on the programme: Donald Trump announces new 25% tariffs on cars from overseas. And a new film audiences have called ‘intense' and ‘overwhelming' - the work of five artists, all autistic, who want us to experience the world as they do.

Comment expliquer les différentes grèves à la SNCB ? Pourquoi les syndicats ne se coordonnent-ils pas ? Jusqu'à quand la pagaille sur le rail ? Pierre Lejeune, président CGSP Cheminots, reconnait qu'actuellement, c'est un "peu déstructuré". Il explique que les syndicats travaillent à un front commun pour structurer les mouvements de grève et avoir un message plus clair. Il souligne que les négociations avec le ministre de la Mobilité progressent, mais que celles avec le ministre des Pensions rencontrent des blocages, notamment sur la réforme des pensions qui impacte les cheminots. Ces derniers sont opposés aux mesures visant à reporter l'âge de la retraite et à prolonger les carrières, affectant tous les travailleurs du service public. Pierre Lejeune explique que des régimes particuliers existent pour des raisons historiques. Il y a aussi des discussions sur l'élargissement du service garanti lors des grèves, qui risqueraient de limiter l'impact des actions syndicales. Il est également question de réformes du statut du personnel et de recruter des cheminots sur une base statutaire. Pierre Lejeune affirme qu'à ce jour, la grève reste leur principal outil de pression sur le gouvernement, tout en invitant les auditeurs à proposer des alternatives. Merci pour votre écoute N'hésistez pas à vous abonner également aux podcasts des séquences phares de Matin Première: L'Invité Politique : https://audmns.com/LNCogwPL'édito politique « Les Coulisses du Pouvoir » : https://audmns.com/vXWPcqxL'humour de Matin Première : https://audmns.com/tbdbwoQRetrouvez tous les contenus de la RTBF sur notre plateforme Auvio.be Retrouvez également notre offre info ci-dessous : Le Monde en Direct : https://audmns.com/TkxEWMELes Clés : https://audmns.com/DvbCVrHLe Tournant : https://audmns.com/moqIRoC5 Minutes pour Comprendre : https://audmns.com/dHiHssrEt si vous avez apprécié ce podcast, n'hésitez pas à nous donner des étoiles ou des commentaires, cela nous aide à le faire connaître plus largement. Distribué par Audiomeans. Visitez audiomeans.fr/politique-de-confidentialite pour plus d'informations.

This is your afternoon All Local update on Tuesday, March 25, 2025.

What is the best life policy to take out, and what can you do to manage inheritance tax? Director for Pensions and Investment at PwC Bernard Walsh joins us this morning to answer these questions.

#ThisMorning on #BRN | #Retirement | #2019 | Do #Pensions Help #Retain #State #Workers? | Mariana Trujillo, Reason Foundation | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

The energy regulator Ofgem says suppliers must take urgent action to find out how widespread a problem back billing is. It's when suppliers send out new bills for electricity and gas from longer than 12 months ago, a practice that was banned in 2018. The development follows Money Box's investigation which discovered thousands of people have wrongly been receiving back bills. Paul Lewis interviews Tim Jarvis, Director General of Markets at Ofgem.And unspent pension pots will be subject to inheritance tax from 2027. This change, announced by Rachel Reeves in the Autumn Budget, means most unused pension funds will be included within the value of a person's estate for Inheritance Tax purposes from 6th April 2027. Money Box has been getting lots of emails from listeners who're now reconsidering their financial planning and are worried and upset about the new rules. The Treasury told us it continues to incentivise pensions savings for their intended purpose of funding retirement instead of them being openly used as a vehicle to transfer wealth. But how will the new rules work?Presenter: Paul Lewis Reporters: Dan Whitworth and Sarah Rogers Researcher: Eimear Devlin Editor: Jess Quayle(First broadcast 12pm Saturday 22nd February 2025)

As Prime Minister Keir Starmer strays further Right in his policy decisions on defence spending and benefit cuts, your co-pilots strap into the rocket once more to journey into the madness orbiting Planet Earth. Are Labour finally talking sense when it comes to reforming the welfare system?After breaking down the figures Liam thinks the cuts from Secretary of State for Work and Pensions, Liz Kendall won't even touch the sides, whilst Allison reveals some shocking truths about so-called ‘benefit influencers'...Cashing in on a return fare to the rocket is economist Julian Jessop, who gives his predictions ahead of the upcoming Spring Statement, and just how ‘nasty' things could be…And co-pilot Pearson isn't short of words for the Shakespeare birthplace trust after their recent decision to ‘decolonise' the playwright's birthplace.Read more from Liam: https://www.telegraph.co.uk/authors/liam-halligan/ |Read more from Allison: https://www.telegraph.co.uk/authors/a/ak-ao/allison-pearson/ |Read Allison: ‘Radical welfare reform is the bitter medicine Britain needs': https://www.telegraph.co.uk/news/2025/03/18/radical-welfare-reform-bitter-medicine-britain-needs/ |Need help subscribing or reviewing? Learn more about podcasts here: https://www.telegraph.co.uk/radio/podcasts/podcast-can-find-best-ones-listen/ |Email: planetnormal@telegraph.co.uk |For 30 days' free access to The Telegraph: https://www.telegraph.co.uk/normal | Hosted on Acast. See acast.com/privacy for more information.

Scarce Assets // Jackson Mikalic on X // Bob Griffin on X // CactusPEAK DigitalScarce Assets: a biweekly podcast presented by Onramp which delves into the emergent role of bitcoin in finance professionals' strategies and outlooks. Hosted by Jackson Mikalic, Scarce Assets provides invaluable insights for wealth managers aiming to outperform their peers in the decades ahead. Finance professionals everywhere know about stocks and bonds, but the macroeconomic outlook requires that serious investors pay close attention to another category: Scarce Assets.00:00-Introduction to Bob Griffin & CactusPEAK02:33-Bob Griffin's Journey in Finance08:30-The Coffee Shop Revelation: Discovering Bitcoin10:32-Transition from Traditional Finance to Bitcoin14:34-Understanding Bitcoin vs. Other Digital Assets21:31-Institutional Adoption of Bitcoin: Current Landscape28:32-The Role of Consultants in Institutional Investing34:29-Future of Bitcoin in Institutional Portfolios42:59-The Role of Regulation in Institutional Adoption43:56-Pensions and the Need for Bitcoin47:48-Liquidity and Institutional Perspectives50:28-The Disconnect in Understanding Bitcoin53:56-Gold and Bitcoin: A Comparative Analysis58:12-Bridging the Gap Between Traditional Finance and Bitcoin01:02:23-The Future of Bitcoin in Institutional Portfolios01:11:45-Investment Metrics and Regulatory Outlook01:18:32-Outro & DisclaimerPlease subscribe to Onramp Media channels and sign up for weekly Research & Analysis to get access to the best content in the ecosystem weekly.

In this episode, we're tackling a topic that freelancers often put on the back burner: pensions. How do you start saving for retirement when you don't have a traditional workplace pension? How can you make the most of tax relief? And what are the best strategies for long-term financial security?Joining Emilie Bellet is Lisa Picardo, Chief Business Officer UK at PensionBee. Lisa is here to break down why pensions matter for freelancers, how to set one up, and what you can do today to secure your financial future.If you found this helpful, make sure to listen to our next episode for more expert tips on managing your finances as a freelancer! If you liked this episode, discover the full series.#ad Listen to PensionBee's monthly podcast, The Pension Confident Podcast to better understand the world of personal finance and pensions: Connect with Emilie:Sign up to The Edit newsletterFollow Vestpod on InstagramEnroll in our upcoming bootcampsGet Emilie's book: You're Not Broke, You're Pre-Rich#ad Thank you to our partner PensionBee. With PensionBee you can combine, contribute and withdraw online. Take control of your pension, so that you can enjoy a happy retirement and join over 265,000 customers saving with PensionBee. When investing, your capital is at risk. Hosted on Acast. See acast.com/privacy for more information.

Join me for an important discussion with Collin Plume. Interview with David Jensen: https://jiii.io/nx72w6 To learn more about investing in gold & silver visit - http://goldwithseth.com, or call 626-654-1906 For high quality storable foods and seeds, visit http://heavensharvest.com and use promo code SETH to save 15% on your order. Kimchi One from Brightcore – Improve your health, improve your life. 25% Off with code: MANINAMERICA at https://mybrightcore.com/maninamerica Or dial (888) 575-6488 for up to 50% OFF and Free Shipping – ONLY when you call!See omnystudio.com/listener for privacy information.

Markets are always moving—should you? Peter can help you assess your investments, tax strategies, and long-term plan. Book a 1/1 call with me today. -----  Risk is one of the most misunderstood concepts in finance, yet mastering it is crucial for long-term success. Economist, Bloomberg Opinion columnist, and author Allison Schrager joins me to break down what investors consistently get wrong about risk, how to think about the U.S. national debt, and why retirement planning needs a major shift.    Listen now and learn: ► The most common mistakes people make when assessing financial risk ► How to think about the national debt and what it means for investors ► The key to turning retirement savings into sustainable income ► Why global economic shifts could lead to more volatility for investors   (02:04) Rethinking Risk: Lessons from Hollywood, Poker, and Brothels (06:55) The U.S. National Debt: A Growing Concern or Manageable Risk? (12:48) Retirement, Pensions, and the Annuity Debate (26:33) Global Trade, Tariffs, and the Shift in Economic Thinking (30:24) The Rising Cost of Risk in a More Fragmented World (33:08) How to Think About Risk in Your Own Finances   Visit www.TheLongTermInvestor.com for show notes, free resources, and a place to submit questions.

Leaving behind a stable corporate career is a big step, but for Ian Bluck, it was the best decision he ever made. After spending 24 years climbing the corporate ladder, he replaced his salary with just one property deal and transformed his approach to wealth building. In this episode, Ian shares how he leveraged property investment, networking, and technology to break free from the constraints of a traditional job and create a life of financial freedom.We explore the key mindset shifts required to transition from employment to entrepreneurship, the role of recurring income in long-term wealth building, and why surrounding yourself with the right community can accelerate your success. Ian also reveals how AI and automation are changing the game for property investors and business owners, making wealth-building strategies more efficient and scalable.If you've ever wondered what it takes to achieve true financial independence, this episode is packed with valuable insights and practical steps to help you take control of your future. Whether you're looking to grow your property portfolio, integrate smarter technology into your business, or develop the right wealth-building habits, Ian's journey offers inspiration and actionable advice.Tune in now and take control of your financial future!Resources Mentioned In This Episode: >> Ian Bluck [LinkedIn]>> Get Your Free AI Property Freedom Blueprint>> Watch "Can You Have A Lifestyle Business And Create Wealth? w/ John Lamerton"Next Steps On Your Wealth Building Journey: >> Join the WealthBuilders Facebook Community >> Schedule a 1:1 call with one of our team >> Become a member of WealthBuilders  If you have been enjoying listening to WealthTalk - Please Leave Us A Review! 

The United Kingdom work and pensions secretary has announced major cuts to welfare spending. It's a move that could hit up to one million people and split the ruling Labour party. UK correspondent Adam Hollingworth spoke to Lisa Owen.

Feeling overwhelmed by retirement planning? Frank & Frankie Guida dive into the benefits of comprehensive planning that is customized for your individual needs. They explain how to transition from a steady paycheck to stable retirement income, minimize taxes, and maximize your financial resources. Frank & Frankie also offer practical insights into optimizing pensions, Social Security, and investment options. Schedule a complimentary appointment: A Better Way Financial CLICK HERE to register for one of our upcoming Tax-Smart Retirement Planning Dinner Workshops. Read our book! Amazon Best Seller, “The Book on Retirement: A Better Way to Stretch Your Retirement Dollars While Living the Lifestyle of Your Dreams.” Follow us on social media: Facebook | LinkedIn | YouTubeSee omnystudio.com/listener for privacy information.

Tens of thousands of Irish people who have worked in the UK may be eligible to buy back years to a UK state pension to enhance its value. The deadline to apply is April 5th. Pensions expert Dan Malone works with the National Pension Helpline https://nationalpensionhelpline.ie/ This is the form to apply to the British government: https://secure.dwp.gov.uk/request-a-call-back-to-pay-voluntary-national-insurance-contributions/contact-form

Abe Ashton discusses the evolution of retirement planning, highlighting the shift from traditional pensions to 401ks and the growing concerns about their adequacy in the face of inflation. As the founder of Ashton and Associates, Abe Ashton has more than 20 years of financial planning experience helping thousands of families in Utah, Nevada, and across the country retire with confidence. Abe’s mission is to provide client-focused education and solutions to seniors and retirees, that help them achieve the retirement they’ve worked so hard for. To get more information on Ashton & Associates, or to schedule a consultation call, 435-688-9500 or visit AshtonWealth.comSee omnystudio.com/listener for privacy information.

The Regulator has wide-ranging powers of investigation. Among other things, it can issue a "section 72 notice" – a demand for documents and information. In this episode, we discuss when the Regulator can come knocking, and how trustees or employers should respond. As a firm, we have supported various clients faced with Regulator demands. Associate Phillipine Wiegand-Forson shares her thoughts. Subscribe to the HSF Pensions Notes Blog here: https://www.herbertsmithfreehills.com/notes/pensions/subscribe

Lundi 17 mars, le système de retraite actuel déficitaire, a été abordé par Nicolas Doze dans sa chronique Doze d'économie dans l'émission Tout pour investir présentée par Lorraine Goumot sur BFM Business. Retrouvez l'émission du lundi au vendredi et réécoutez la en podcast.

Title splitting isn't just about dividing property—it's a powerful strategy for increasing value, boosting capital growth, and unlocking new investment opportunities. But how do you know if it's the right move for your portfolio?In this episode, we explore the key benefits and challenges of title splitting, including how breaking a property into smaller units can lead to higher valuations and greater financial returns. You'll discover why integrating pensions with property investments can be a game-changer, and how recent tax changes are reshaping the property investment landscape.We also discuss real-life case studies, the most common mistakes investors make, and the importance of strategic planning to maximize profits while minimizing risks.If you want to make smarter investment decisions and leverage title splitting to accelerate your wealth-building journey, this episode is a must-listen.Tune in now and take control of your financial future!Resources Mentioned In This Episode: >> Rachel Maria Knight [LinkedIn]>> Title Split [Website]>> Join WealthBuilders SSASNext Steps On Your Wealth Building Journey: >> Join the WealthBuilders Facebook Community >> Schedule a 1:1 call with one of our team >> Become a member of WealthBuilders  If you have been enjoying listening to WealthTalk - Please Leave Us A Review! 

We all dream about what we will do when we don't have to work anymore. The perfect retirement looks different for everyone, from travelling the world and luxury holidays to spending more time with family and friends, but the cost of stopping work can be bit of a wake-up call.In this Money Box Live we'll look at how to make the most of the savings you have as retirement approaches to how to start planning for retirement at the start of your career.Felicity Hannah is joined by Sangita Chawla, Managing Director at Standard Life and Zoe Alexander, Director of Policy and Advocacy at the Pensions and Lifetime Savings Association to answer your questions - and offer tips on how to plan for a good retirement.Presenter: Felicity Hannah Producer: Catherine Lund Editor: Jess Quayle(This programme was first broadcast at 3pm Wednesday 12th February, 2025.)

Jack, John, Sam and Stevie are back with a jam packed loaded Major Mailbag! We're answering your biggest questions, from how player pensions actually work to the wild world of tennis sponsorships, who gets paid, how much, and why some players switch gear for cash. Plus, deep dives into Acapulco's late-night chaos, legendary player parties, and whether tournaments should have a match curfew. Oh, and we settle the ultimate debate—should you be allowed to wear shorts on a plane?Also, Sam takes a trip down memory lane, reliving his unforgettable 2017 Acapulco title run, where he took down Rafael Nadal in the final. From perfect conditions to post-match chocolate milk, we get all the details on the best week of his career. Hosted on Acast. See acast.com/privacy for more information.