Podcasts about pensions

Just after the clock struck midnight in Westminster all of the rumours and rumblings around the government's welfare reform plans to save £5bn came to a head as Work and Pensions Secretary, Liz Kendall, released a letter to MPs outlining a series of concessions to the plans. They include making no changes to existing deals people have and disability co-production, which means inviting disability organisations to the table to help shape some of the reforms, going forward. So, have the changes pleased everyone? Mikey Erhardt, from Disability Rights UK and Labour MP Ian Byrne give their take on what the concessions mean. And we hear from Minister for Work and Pensions, Liz Kendall. Presented by Emma Tracey Producer: Alex Collins Series producer: Beth Rose Editor: Damon Rose Sound design and mixed by Dave O'Neill

France’s efforts to reform its pension scheme remain at a standstill.See omnystudio.com/listener for privacy information.

In this episode of V-FM Pensions, hosts Darren and Nico chat to Smart Pension's Director of Investment Proposition, James Lawrence. We chat about: what's going on in the world and what it means for investment; Baroness Altmann's ideas for linking tax relief to investing in the UK; Smart's investment in green bonds and its approach to zero cost investing; the Pension Schemes Bill and the challenges of balancing long-term societal benefits with financial returns in pension investments; CDC and decumulation; ...and a whole lot more! We also find out how James got into pensions, and, of course, what value for money means to him.

With £31 billion in lost or unclaimed pensions in the UK, Martin tells you how to find your old pensions - which could be worth £10,000s! Plus, Martin's top holiday money need-to-knows to help you stop paying when you spend abroad and get the most bang for your (Vietnamese) dong. And you tell us the worst financial advice you were given by your parents and grandparents.

If you're an expat of means in America and you don't have a good cross-border team around you - financial, tax, and estate – there's a high chance you're in non-compliance. That's especially true with UK pension holders in the US. This week's Ask An Expert is with Holly Caulder, partner at Buzzacott. Holly specialises in planning and advice solutions for US residents with non-US pensions, shareholders of controlled foreign corporations and beneficiaries of non-US trusts. If this is you, you won't want to miss this episode. The potential landmines are significant, so you'll hear how Holly and Richard would advise you to:Report UK Pensions Correctly in the US If you have a UK pension, it must be reported on key US tax forms like the FBAR and Form 8938, even if it's inactive and no new contributions are being made. Holly stresses that failing to do this can lead to serious IRS penalties.Use the US-UK Tax Treaty to Your Advantage The US-UK tax treaty can help reduce your tax bill. Filing Form 8833 lets you claim treaty benefits, such as excluding UK pension growth from US tax. Richard points out that doing this every year can save money and avoid trouble.Plan Pension Moves Carefully Thinking about rolling over your pension or taking a distribution (e.g. transferring to a SIPP)? Talk to a tax advisor first. Holly notes that claiming treaty exemptions early and knowing state tax rules (like in California vs. New York) can prevent surprise taxes. Get advice before making any moves to stay compliant and minimise tax.If you're enjoying the show, please follow it wherever you're listening to it now, and consider leaving a 5 star rating and review to help the mission, which is to help expats and immigrants thrive in America. Visit planfirstwealth.com to learn more about our services and connect with Richard Taylor on LinkedIn.We're the Brits in America is affiliated with Plan First Wealth LLC, an SEC registered investment advisor. The views and opinions expressed in this program are those of the speakers and do not necessarily reflect the views or positions of Plan First Wealth. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Plan First Wealth does not provide any tax and/or legal advice and strongly recommends that listeners seek their own advice in these areas.

Johannes Reck is the Founder and CEO of GetYourGuide, the $2BN company that started with a holiday to China and nothing to do. For the first two years, GetYourGuide received only 5 bookings. Today the platform does 33,000 per day and is worth $2BN. They have raised from some of the best, including an amazing story with Masa Son and Softbank.  In Today's Episode We Discuss: 01:45 – “I Regret Our Series A — Too Much Dilution” 03:50 – US vs Europe: Why European Founders Are Tougher 06:10 – “Germany Spends €100B on Pensions, €7B on VC – It's Insane” 08:40 – Why Europe Fails to Build $10B Startups 10:25 – 90% of Our Team in Berlin Aren't German. Here's Why. 12:20 – Recruiting Netflix's Head of Growth Nearly Killed Me 16:20 – “We Had 5 Bookings in 2 Years. 3 Were My Mum.” 18:00 – “I Asked My Parents to Remortgage Their House for a Pivot” 21:15 – The Vatican Tour That Changed Everything 23:30 – Why VCs Rejected GetYourGuide 100+ Times 28:30 – The $14M Series A That Nearly Killed the Company 31:00 – “I Hired All the Wrong People – Then Laid Off 30%” 36:30 – The $450M SoftBank Deal... Then COVID Hit 40:00 – “We Went to $0 in Revenue in 3 Weeks” 42:10 – The Sequoia Tree Mindset: Grow Through Fire 49:30 – What SoftBank's Masa Son Was Really Like in Person 52:00 – How He Thinks About Secondary, Wealth, and Not Losing His Soul 55:30 – “My Worst Hires Came from Listening to VCs Too Much” 58:30 – Angel Investing in Trade Republic and TravelPerk: My Lessons 01:01:00 – Do You Have to Work 7 Days a Week to Win?  

Pensions can provide a valuable source of retirement income, but deciding whether to stick with a job solely for the pension is more complex than it may seem. In this episode of A Wiser Retirement® Podcast, we give a breakdown of the key benefits and trade-offs of relying on a pension, and how to assess whether it's the right move for your financial future.Related Podcast Episodes:- Ep 137: Financial Planning in Your 50s Related YouTube Videos:- How Much is Social Security Reduced if I Have a Pension?- What's the difference between pensions and IRAs?Learn More:- About Wiser Wealth Management- Schedule a Complimentary Consultation: Discover how we can help you achieve financial freedom.- Access Our Free Guides: Gain valuable insights on building a financial legacy, the importance of a financial advisor for business owners, post-divorce financial planning, and more! Stay Connected: - Social Media: Facebook | Instagram | LinkedIn | Twitter- A Wiser Retirement® YouTube Channel This podcast was produced by Wiser Wealth Management. Thanks for listening!

Neil dives into the often-overlooked topic of pensions, challenging the notion that they are boring. Drawing from his 26 years of experience in the tutoring and business world, Neil discusses the importance of taking control of your retirement funds and explores two key pension options for tutors: the Self-Invested Personal Pension (SIP) and the Small Self-Administered Scheme (SAS). He highlights the benefits and drawbacks of each, emphasising the potential for tax efficiency and investment flexibility. KEY TAKEAWAYS Understanding Pensions: Pensions are not boring; they can be exciting and dynamic financial tools that can significantly impact your retirement savings and tax efficiency. Types of Pensions: There are two main types of pensions discussed: Self-Invested Personal Pensions (SIPs) for sole traders and partnerships, and Small Self-Administered Schemes (SAS) for company directors and family businesses. Tax Benefits: Contributions to both SIPs and SASs can provide tax relief, allowing individuals to save on taxes while building their retirement funds. For example, basic rate taxpayers can receive a 20% contribution from the government for their SIPs. Control and Flexibility: SIPs offer a simpler structure with less control over investments, while SASs provide greater flexibility and control, allowing members to lend money back to their businesses and invest in commercial properties. Importance of Compliance: SAS schemes require careful administration and compliance with regulations, which can be complex and costly. It's essential to ensure that the scheme remains compliant to avoid losing tax benefits. BEST MOMENTS "If you want to stop me teaching, you're going to need a .357 and get at least three good shots in." "Pensions are not boring. They're exciting and dynamic. They're lovely." "If you haven't already done so, go online and search for your own forgotten pension." "The contributions into the SAS are a business expense, thus reducing profits and your corporation tax liability." "Just having that think could be worth tens or even hundreds of thousands of pounds to you." VALUABLE RESOURCES www.Neilcowmeadow.com info@neilcowmeadow.com HOST BIO Neil Cowmeadow is a maverick peripatetic guitar teacher from Telford with over 19 years' experience in the business of helping people. Learn how to start, grow and love your business with Neil's invaluable advice and tips without the buzzwords and BS! This Podcast has been brought to you by Disruptive Media. https://disruptivemedia.co.uk/

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

The show starts unpacking the latest results from equipment hire company Ashtead (AHT). Mark Robinson analyses the outlook for US construction spending, the company's sensitivity to tariffs and its valuation. It's then on to Ashtead's smaller rival Speedy Hire (SDY), which is closing some of its depots due to rising staff costs. Listen to find out everything investors need to know. Next up is one of the IC's Ideas of the Year, which are putting in a strong performance again in 2025. Pensions consultancy XPS Pensions (XPS) reported full-year figures earlier this week – Julian Hofmann asks if its booming business can continue.Lastly, our Big Read on the medical technology sector. Mark Robinson covers the issues facing the industry, the options for investors and a potential tariff winner.Timestamps 1:50 Ashtead9:20 Speedy Hire18:29 XPS Pensions27:36 MedtechRead more on these topics:Ashtead stymied by falling used equipment salesSpeedy Hire attempts to boost efficiencies as HMRC loads costsThe cutting-edge medtech stocks worth owningListen to more podcasts from Investors' Chronicle on Apple, Spotify and YouTube Hosted on Acast. See acast.com/privacy for more information.

In this episode of V-FM Pensions, hosts Darren and Nico chat to Global Fund Search's Head of UK, Kris Shergold. Another wide-ranging episode, where, as well as discussing what value for money to Kris, we chat about: Electricity generation and the state of the grid Value for money from the Office of Value for Money... Scottish Widows reducing it's UK equity allocation, and Aviva CEO warning that mandating pension investments in UK assets is ‘not the right thing' Proposals to amend fiduciary duty Nest's retirement blueprint and deferred annuities Enjoy!

We had a deep and meaningful discussion last week with Michael Haupt which left us all very reflective, but we didn't have time to discuss the main news and the escalation continues, with spin rooms operating at full throttle. Immediately after our last show, the #NoKings protests in America overtook our newsfeeds, while the ‘big birthday bash' was shocking in so many ways. Do we even remember that now?Because since then, a much wider war with Iran is playing out before our eyes, and we still don't know what the US will do, or if Trump will decide to get involved, bypassing Congress. Other leaders are stepping in to join the battle, but citizens of the US and its allies are not supportive of more war in the Middle East, in fact, it is creating a split within the MAGA faithful. The outcome is still up in the air and could change before we even go live with the show, and when you factor in the wider implications with China and Russia, the risks are very grave, not just for Iran, but for the whole world. Meanwhile, the world's top scientists are warning that we have only three years left to limit warming to 1.5°C, with the reduction in fossil fuels needed to achieve this a staggering 80%. Meanwhile an intense heatwave is gathering pace across the Northern Hemisphere, with the UK now predicting the possibility of a 46.6°C (116F) day, a temperature the UK is not ready for. Tourism season is also changing, especially in Southern Europe, as even the perception it being too hot turning people away – which will have significant impacts economically for Europe.Meanwhile, Mexico is bracing for Hurricane Erick – the first of the season, children born today will live in a world with 50% less food than is available today, seal numbers in Antarctica have dropped more than 50% since the 1970s, the G7 started off as a fiasco with more rumours of Trump's physical health circulating, traditional media is in free fall, the “Nimbus” strain of Covid is growing rapidly with huge percentages of the population not maintaining vaccinations, and the rapid move in AI development brings risks and opportunities. It's a big moment in time, and we're going to pull it all together, to try and make sense of what's going on, as well as what requires our attention. If you want a top-level view, that's what the show is all about, so why not come and have a listen and get involved in the conversation? We'd love to have you. Join us Friday 20th June 2025, 8am UK, 9am EU, 2pm TH, 3pm SG, 5pm AEST. Streaming across various locations. The Sh*t Show is a Livestream happening every Friday, where Andrea T Edwards, Dr. David Ko, Richard Busellato and Joe Augustin, as well as special guests, discuss the world's most pressing issues across all angles of the polycrisis, working to make sense of the extremely challenging and complex times we are all going through, plus what we can do about it. Help us move the needle so we can change the name of the show to something more genteel when (or if) it is no longer a sh*t show. #TheShitShow #UncommonCourageTo get in touch with me, all of my contact details are here https://linktr.ee/andreatedwards My book Uncommon Courage, an invitation, is here https://mybook.to/UncommonCourage My book 18 Steps to an All-Star LinkedIn Profile, is here https://mybook.to/18stepstoanallstar

In this interview, Kevin Whelan and Manish Kataria delve into the intricacies of SSAS pension, exploring how it can serve as a powerful financial tool for business owners. They discuss the importance of taking action in financial planning, the benefits of collaboration in wealth building, and the implications of inheritance tax on financial strategies. The conversation emphasises the need for financial education and the potential of SSAS pensions to create wealth now, rather than just serving as a retirement fund. In this episode, Kevin speaks about the importance of recurring income, effective financial planning, and the significance of protecting wealth through wills and insurance.  Key Takeaways:Momentum is Better than Meditation: Don't wait for the perfect time—take small actions now to build confidence and results.Nobody Will Ever Care About Your Money More Than You: Taking personal responsibility is at the heart of successful wealth-building.SSAS Pensions Offer Unique Control and Flexibility: Ideal for business owners looking to invest in property, business, or even lend to their own company.Keep It Simple: Simplicity in your finances and investment strategy often leads to better results than chasing complexity.Plan for Both Wealth Creation and Protection: Wills, powers of attorney, and insurance are essential tools for safeguarding your family's future.Focus on Recurring Income: Building assets that pay you every month is the key to long-term financial independence. Resources Mentioned In This Episode:Manish Kataria (LinkedIn)Government Pension Tracing Service (for lost pensions)Connect with WealthBuildersListen on Spotify, Apple Podcasts, YouTube, and all major platforms.For more inspiring stories and actionable tips, subscribe to Wealth Talk and leave us a review!Next Steps On Your WealthBuilding Journey: Join the WealthBuilders Facebook CommunitySchedule a 1:1 call with one of our teamBecome a member of WealthBuildersIf you have been enjoying listening to WealthTalk - Please Leave Us A Review!If you enjoyed this episode, please rate and review WealthTalk on your favourite podcast platform.

Alex Grimshaw is the Chief Technology Officer (CTO) at Microsoft Azure in the United Kingdom, where he supports customers and partners across sectors to drive digital transformation using Microsoft Azure Cloud. Prior to this, Alex served as Microsoft UK Public Sector CTO, working with the UK's largest Public Administration organisations, HM Revenue & Customs, and the Department for Work & Pensions. During this time, he focused on tech intensity, human excellence, and industrial empathy as core pillars of cultural change to impact customers, partners, and colleagues.To read more about Alex Grimshaw, please visit- https://businessabc.net/wiki/alex-grimshawUseful Links and Resourceshttps://x.com/alzripperhttps://www.linkedin.com/in/alexgrimshaw/About citiesabc.comhttps://www.citiesabc.com/​​​​​​​​​​​ About businessabc.nethttps://www.businessabc.net/About fashionabc.orghttps://www.fashionabc.org/ About Dinis Guardahttps://www.dinisguarda.com/https://businessabc.net/wiki/dinis-guardaBusiness Inquiries- info@ztudium.comSupport the show

Welcome to the ENT!Join this conversation with financial advisor, Chad Harmon, partner with A&I Wealth Management. Learn about what it takes to be successful in business, a few personal stories, and a great introduction to a key person in the A&I team. Learn about the culture here, and how the firm we attract talented young talent. What are the key values that determine the goals? How can our listeners deliver this in their own firms? Future workforce, learn about what we see in the future for the industry, the profession, the markets and more. Finally, what is the big financial mistake and how can we avoid it?——As a quick reminder, the Expert Network Team provides free consultations. We would love the opportunity to be of service to you or someone you care about. Just scroll the liner notes to contact one of our experts or today's guest. And please share this podcast with anyone who you think might find it interesting.As always, it is good to have an expert on your side.— Our guest:Chad HarmonPartner, A&I Wealth Management(303) 690.5070chad@assetsandincome.com Expert Network team provides free consultations. Just mention that you listened to the podcast. Nathan Merrill, attorneyWorking with affluent families and entrepreneurs in implementing tax-efficient strategies and wealth preservationGoodspeed, Merrill(720) 473-7644nmerrill@goodspeedmerrill.comwww.goodspeedmerrill.com Jeff Krommendyk, Insurance ExpertWorking with business owners and successful families in transferring riskOne Digital Insurance Agency(303) 730-2327jeff.krommendyk@onedigital.com Karl FrankFinancial planner helping a small number of successful families grow and protect their wealth and choose how they want to be taxedCERTIFIED FINANCIAL PLANNER™A&I Wealth Management(303) 690.5070karl@assetsandincome.com Webcasts, Podcasts, Streaming Video, Streaming AudioA&I webcasts, podcasts, streaming video, or streaming audios are provided free of charge solely for use by individuals for personal, noncommercial uses, and may be downloaded for such uses only, provided that the content is not edited or modified in any way and provided that all copyright and other notices are not erased or deleted.All webcasts, podcasts, streaming video, or streaming audios are subject to and protected by U.S. and international copyright laws and may not be sold, edited, modified, used to create new works, redistributed or used for the purpose of promoting, advertising, endorsing or implying a connection with A&I.A&I reserves the right, at any time and for any reason, to stop offering webcasts, podcasts, streaming video, or streaming audios and to stop access to or use of webcasts, podcasts, streaming video, or streaming audio and any content contained therein A&I shall not be liable for any loss or damage suffered as a result of, or connected with, the downloading or use of the webcasts, podcasts, streaming video, or streaming audios. A&I Wealth Management is a registered investment adviser that only conducts business in jurisdictions where it is properly registered, or is excluded or exempted from registration requirements. Registration as an investment adviser is not an endorsement of the firm by securities regulators and does not mean the adviser has achieved a specific level of skill or ability. The firm is not engaged in the practice of law or accounting.The information presented is believed to be current. It should not be viewed as personalized investment advice. All expressions of opinion reflect the judgment of the presenter on the date of the podcast and are subject to change. The information presented is not an offer to buy or sell, or a solicitation of any offer to buy or sell, any of the securities discussed. You should consult with a professional adviser before implementing any of the strategies discussed. Any legal or tax information provided in this podcast is general in nature. Always consult an attorney or tax professional regarding your specific legal or tax situation.

Ce mardi 17 juin, le prix du baril de pétrole a augmenté suite aux échanges de missiles entre l'Israël et l'Iran. Si cette hausse s'est stabilisée, le futur du conflit risque d'influer sur le pétrole et le gaz. Les belges sont inquiets pour leur pension mais l'Arizona tente de proposer des réformes qui rendront tout le monde heureux. Christophe Charlot vient parler de Nvidia et de son CEO, Jensen Huang, qui a enflammé VivaTech la semaine passée en confirmant le virage stratégique de son entreprise vers l'Europe. Du côté des bourses, Ahn Nguyen vient approfondir l'impact du conflit entre Israël et l'Iran sur les marchés boursiers et l'impact de la hausse du prix du pétrole sur la société. Les Trends-Tendances podcasts rassemble tous les podcasts de Trends-Tendances et de Trends Z francophone. Les journalistes vous proposent différents podcasts sur les thèmes qui dominent notre monde et notre société.Sous différents angles et avec un accent clair sur l'économie et les entreprises, sur les affaires, les finances personnelles et les investissements. De manière indépendante, pertinente, toujours constructive et tournée vers l'avenir.

Réforme des pensions by TOPFM MAURITIUS

In this episode of Hub & Spoken, Jason Foster, CEO & Founder of Cynozure, speaks with Lisa Allen, Director of Data at The Pensions Regulator (TPR), about the role of data in protecting savers and shaping a more resilient pensions industry. Lisa shares the story behind TPR's new data strategy and how it's helping to modernise an ecosystem that oversees more than £2 trillion in savings across 38 million members. Drawing on her experience at organisations including the Ordnance Survey and the Open Data Institute, she explains why strong data foundations, industry collaboration, and adaptive thinking are essential to success. The conversation explores how the regulator is building a data marketplace, adopting open standards, and applying AI to enable risk-based regulation, while reducing unnecessary burdens on the industry. Lisa also discusses the value of working transparently, co-designing with stakeholders, and staying agile in the face of rapid change. This episode is a must-listen for business leaders, regulators, and data professionals thinking about strategy, innovation, and sector-wide impact. **********    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. 

It's time for another Listener Questions session! This week we cover commercial property in pensions, ethical investing, inherited pensions and so much more. Shownotes: https://meaningfulmoney.tv/QA16    01:02  Question 1 Hi Peter / Roger, Many thanks for all the wisdom plus superb book, you two really make my week with the banter. I always hear about DB and DC pensions but wondered if you'd ever cover the following: Many business owners like myself own buildings outright (as a pension) within a Commercial Sipp and then loop back into this rental payments. Also, within this using a GIA for diversified investments including cash lump sums for tax relief when possible. I'm heading North of sixty soon and feel its time to start thinking of the exit plus implications. It would be fantastic to hear your advice on these in the future. Best Regards, Steve 05:47  Question 2 Hello Pete Can ethical investing beat inflation? Myself and my husband are both 63.  We retired at the end of last year, having sold the business we have run for the majority of our working lives. We have some small DC pensions and a SSAS which includes a commercial property.  We both have cash ISAs. I've done some research, helped massively by your podcasts and YouTube videos, so thank you so much for these. From what I have learned I understand that  we need to invest the cash from the business sale in Global Equities.  We also need to look at the investments within the SSAS which, up to now, the SSAS provider has managed.  Cash in the SSAS also needs to be invested. Is there a way of picking a Global Index Tracker which is ethical and will beat inflation and that requires minimal management to keep fees low?  I realise that we need to look at our cash accounts too with this in mind. Many thanks for all your excellent resources and advice, the fog of financial planning is starting to clear and I'm feeling less panicked about being able to manage the money for our future. Kind regards, Rachel 12:52  Question 3 Dear Pete and Rog, Your podcasts have been a real source of steadiness for me over the past few years - a pair of reliable voices amidst the wider financial chaos. I'm writing with a question about nominee (beneficiary) pensions. Sadly, my father passed away recently, and I've inherited half of his private pension pot - around £70k from a total of £140k. It's been set up as a nominee pension, which I understand allows the money to remain invested and grow tax-free, with flexible access at any age. This has been a significant and unexpected legacy, and it's opened up the possibility of scaling back to part-time work well before the official retirement age. (I'm in my late 30s, so there's still a way to go, but it's a big deal for me and brings more options for me) I don't plan to draw from the pot for many years. My intention is to let it grow. The catch, however, is that the provider, without naming names, (let's just say three letters, last one P), is expensive compared to what I'm used to (I invest monthly in a Vanguard LifeStrategy ISA). When I've done some projections I can see that if leave the money where it is indefinitely, the fees will quietly erode a decent chunk of the long-term gains. There's a 6-year early exit charge, so for now I'm content to leave it be. I'm still dealing with bereavement and all the admin of being an executor, so pressing pause on any big financial decisions feels like the right call at this early stage. But when that 6-year period ends, I'll be weighing up whether to stick or twist. My question is: can nominee pensions be transferred to another provider without losing the key benefits, like the tax-free growth and the ability to access the funds flexibly before retirement age? I've looked into alternatives- transferring into my ISA would take years due to the annual limit; a general investment account loses the tax perks; and a conventional pension would lock the funds away until age 55+, which undermines the very flexibility that makes this pot so helpful for future semi-retirement plans. I'd be really grateful for any ideas or thoughts you might have on this. All the best, Alan 19:29  Question 4 Hi guys, I am 31 years old and currently investing 15% of my gross income into my retirement. 6.8% via my employer's DB CARE scheme, and the other 8.2% into my SIPP. My wife and I also contribute £200pm  into a S&S ISA for our son. We hope by the time he is 18 (3 months old now) this fund could pay for university, travel, driving - whatever he wants to do (within reason!). By age 60, I would like to be in a position to retire, whether I do that or not is another question, but I would at least like the option to. I often see YouTube videos titled "SIPP vs ISA which is better?" but I don't see much about how to use them in tandem. Do you have any advice on the optimal weighting between an ISA and SIPP given I'd like to retire before State/DB pension age and therefore, should I be splitting the 8.2% with a S&S ISA too? Thank you! John 24:08  Question 5 Hi Pete & Roger, I'm a big fan of the podcast, it's been a great source of advice for me - thanks for that. I'm currently 55 and probably not looking to draw down anything from my pension until I'm 60 at the earliest. I hadn't paid into my pension for a number of years and now trying to contribute as much as I can to catch up a bit. My main SIPP is £130,000 with Vanguard in a FTSE Global All Cap Index Accumulation Fund and is 100% equity as I'm looking for as much growth as possible over the next 5-10 years and beyond. I also have £25k in another SIPP, a small NEST workplace pension and approximately £60k in a Stocks & Shares ISA, all of which are in various global tracker funds. My main question is, is it a good idea to have everything in global index funds because of the heavy weighting to the USA, especially in tech stocks? I had considered changing my Vanguard fund to their LifeStrategy 100 fund which has a bit more of a UK weighting. I know you probably can't suggest specific products, but I wondered what your general advice would be on this, especially with all the uncertainty in the USA under the Trump administration? Thanks in advance, Alex Wilson 30:29  Question 6 Hi Pete and Rog, Love the podcast and I've been listening for a good few years now, so I thought I'd throw my hat into the ring with a question. I was hoping you could give a quick overview of Qualifying Corporate Bonds, what characteristics the bonds need to have to qualify, what the tax treatment is and where to invest etc. I'm in the fortunate position of having made my contributions in full to my ISAs and Pensions and I'm looking for a tax efficient way to invest an extra few £s. I've heard that they are effectively treated like Gilts but was hoping you could illuminate. Thanka, Adam from Skipton, North Yorkshire

Ready to take control of your retirement? Start your Retirement TEAM Action Plan at ARHQ.com or call 419-794-3030 to speak with a retirement planning specialist today! This episode, Nolan Baker reframes retirement not as a static milestone but as a dynamic, evolving chapter of life—one that requires continual learning, flexibility, and empowerment. The conversation moves beyond numbers and dives into how retirees can take control of their future through proactive tax planning, smart investment adjustments, and resilience in the face of life’s curveballs. With pensions dwindling and lifespans stretching longer than ever, the hosts offer a fresh, modern take on retirement—equipping listeners to harness technology, rethink outdated strategies, and build a financial life that aligns with their vision and values. About America's Retirement Headquarters: We are dedicated to helping retirees achieve the retirement they deserve. From crafting personalized retirement income strategies to providing one location for your entire retirement solutions, our goal is to guide you every step of the way. Let us help you navigate the complexities of retirement, so you can enjoy financial confidence and peace of mind. Visit Us: 1700 Woodlands Drive, Maumee, OH 43537 Call Us: 419-794-3030 Learn More: ARHQ.comSee omnystudio.com/listener for privacy information.

Retirement planning often revolves around one critical fear: running out of money. A recent study highlights that retirees with guaranteed income, such as pensions, spend 42% more than those relying solely on savings, showcasing the confidence that steady income can provide. Ryan Herbert and Katherine Groce explain that understanding monthly expenses and crafting a plan that secures income through diverse options—market investments, dividend portfolios, or annuities—retirees can prepare for financial stability regardless of market fluctuations. Want to begin building your retirement plan? Schedule a call with us here:

Did you know that the first bacteria we encounter as newborns could shape our health for life? Or that retired police dogs in the UK might soon receive pensions? Welcome back to Adept English, the podcast https://open.spotify.com/show/7ixeOS7ezPTZSaISIx2TTw where you learn English through fascinating, real-world stories—from global news to wildlife conservation and scientific breakthroughs.Today's episode is a slow news special, four bite-sized stories in under 13 minutes, perfect for practising your listening https://adeptenglish.com/english/listening/ skills and expanding your English vocabulary. We'll cover everything from groundbreaking research on babies' microbiomes to an elephant in Thailand who ‘raided' a shop like a midnight snack enthusiast."Learning another language is not only learning different words for the same things, but learning another way to think about things." Flora LewisImprove your English with our podcast subscription! Every month, for less than your daily coffee, you get 8 new premium episodes designed to strengthen your listening skills with real-world language examples.

Changes are being made to company law, to tackle fraud and boost transparency. The changes affect pension schemes. In particular, trustee directors will in future need to verify their identity. Isobel Hoyle from our corporate team joins to discuss. She explains what identity verification will involve, and flags other points which should be on the radar of trustees and employers. For more on identity verification and the changes generally, click here for a suite of guides published by Isobel and colleagues. Subscribe to the HSF Pensions Notes Blog here: https://www.hsfkramer.com/notes/pensions/subscribe

L'émission 28 minutes du 09/06/2025 Thomas Ngijol change de registre et signe un polar social au CamerounThomas Ngijol est un acteur, humoriste et réalisateur français. Le 11 juin, "Indomptables" sortira en salles, sa dernière réalisation cinématographique, dans laquelle il tient le rôle principal. Inspiré du documentaire "Un crime à Abidjan" de Mosco Boucault, l'œuvre suit un commissaire dans les rues de Yaoundé, au Cameroun. Dépassé par le meurtre d'un collègue et l'éducation de ses enfants, ce commissaire "très traditionnel" tente de composer avec l'époque. Dans la lignée du documentaire qui l'a inspiré, "Indomptables" est un film "100 % africain, sans prisme occidental", selon les mots de Thomas Ngijol. Il cherche l'authenticité, à montrer le Cameroun sans le "rendre plus misérable qu'il n'est dans certains endroits, ni plus chic dans d'autres". La retraite après 66 ans : seule solution pour financer nos pensions ?Les députés ont voté jeudi 5 juin une proposition de résolution pour abroger la réforme des retraites, purement symbolique et non contraignante. Dans une direction opposée, le Conseil d'orientation des retraites (COR) suggère dans son rapport annuel, qui sera rendu public le 12 juin, un départ à la retraite à 66,5 ans à l'horizon 2070. Une déclaration qui a ulcéré les syndicats, qui dénoncent la "grille de lecture néolibérale et une obsession du déficit public", tenue par Gilbert Cette, économiste libéral à la tête du COR et soutien de la première heure d'Emmanuel Macron. Le recul du départ à la retraite est-il la seule solution permettant de contenir le déficit et de sauver le système des retraites ? Enfin, Xavier Mauduit nous emmène en Iran, où le régime interdit désormais de se promener avec son chien dans un vingtaine de villes du pays. Une décision qui dénote avec l'histoire antique de la Perse, où l'on vénérait autrefois l'animal. Marjorie Adelson prend le chemin de la Corse, où l'État sort les grands moyens pour lutter contre la mafia, puisqu'à   partir de la 4ème, les adolescents auront des cours "anti-mafia". 28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 9 juin 2025 Présentation Élisabeth Quin Production KM, ARTE Radio

L'émission 28 minutes du 09/06/2025 La retraite après 66 ans : seule solution pour financer nos pensions ?Les députés ont voté jeudi 5 juin une proposition de résolution pour abroger la réforme des retraites, purement symbolique et non contraignante. Dans une direction opposée, le Conseil d'orientation des retraites (COR) suggère dans son rapport annuel, qui sera rendu public le 12 juin, un départ à la retraite à 66,5 ans à l'horizon 2070. Une déclaration qui a ulcéré les syndicats, qui dénoncent la "grille de lecture néolibérale et une obsession du déficit public", tenue par Gilbert Cette, économiste libéral à la tête du COR et soutien de la première heure d'Emmanuel Macron. Le recul du départ à la retraite est-il la seule solution permettant de contenir le déficit et de sauver le système des retraites ? On en débat avec Agathe Le Berder, secrétaire générale adjointe de la CGT Ingé Cadres Tech, Gaëlle Macke, directrice déléguée de la rédaction de Challenges et  Bertrand Martinot, économiste. 28 minutes est le magazine d'actualité d'ARTE, présenté par Élisabeth Quin du lundi au jeudi à 20h05. Renaud Dély est aux commandes de l'émission le vendredi et le samedi. Ce podcast est coproduit par KM et ARTE Radio. Enregistrement 9 juin 2025 Présentation Élisabeth Quin Production KM, ARTE Radio

Joshua Brooks founded Exponential Advisors and is an Army Reserve Chaplain with nearly 20 years of distinguished service. Drawing on his military discipline, faith-based principles, and expertise in cuttingedge financial strategies like Bitcoin and AI, Joshua empowers families and organizations to achieve financial security and growth. #cryptop #blockchain #Ai================All Episodes can be found at www.thecryptopodcast.org All about Roy / Brain Gym & Virtual Assistants athttps://roycoughlan.com/------------------About my Guest Joshua Brooks:Joshua Brooks founded Exponential Advisors and is an Army Reserve Chaplain with nearly 20 years of distinguished service. Drawing on his military discipline, faith-based principles, and expertise in cuttingedge financial strategies like Bitcoin and AI, Joshua empowers families and organizations to achieve financial security and growth. With a mission to impact 250 clients over the next decade, he deliver stransparent, values-driven financial planning that fosters lasting change. Joshua's approach is grounded in humility, integrity, and the belief that sound financial planning is essential for everyone.What we Discussed: 00:18 Who is Joshua Brooks02:20 What is a Military Chaplain03:10 Joshua's Blockchain Journey04:40 Who Does he think Created Bitcoin05:50 His Exchange & Wallet Recommendations08:00 Are Filidety Involved in Blockchain09:45 My Thought on Blackrock and Larry Fink11:45 Market Manipulation13:20 How he uses Ai with the Business15:10 The jobs being lost with AI and Robiotics18:40 Why Universal Income Sacres me19:20 How Ai can be used for the Betterment of mankind21:10 We are Fighting Our Own Battles22:05 The Raplin Chaplain23:40 His Psychedelic Retreat 26:00 You do not going back after a Transformation27:45 Should a President be able to Create a Meme Coin29:15 How he got Scammed on Discord31:30 Lots of my guests got Scammed 33:10 How to Protect our Investments34:20 What to think when told a Person is a Financial Advisor37:40 Pensions are Taxable38:40 Army Veterans Pensions41:50 How often do they meet Clients as a Planner44:30 Teaching People not to Panic with Flucations47:40 Blackrock and Real Estate Investing51:25 Blockchain Mining Vs Electricity Cost55:40 The Different Times with Snow melted on roofs56:00 Ability to deal with International ClientsHow to Contact Joshua Brookshttps://www.exponentialadvisors.net/LinkedIn: www.linkedin.com/in/joshuabrooks1Substack: https://substack.com/@joshuabarrettbrooksX: @brookstweet2Instagram: https://www.instagram.com/brooksshot/------------------All about Roy / Brain Gym & Virtual Assistants at ⁠https://roycoughlan.com/⁠___________________

It's all happening. That said, potholes might not be getting fixed, loft extensions might not be getting signed off and bins might not be getting collected - those things may or may not be happening, but Doge has been announced.Yes, this episode goes into what is happening in various Reform led councils. Firstly, having decided that Musk's Doge has gone 'so well' in the States (spoiler alert, it hasn't, it's failed miserably', Farage has announced the same approach over here. Though they should really be using a different acronym. After all, how can you have a Department of Governmental Efficiency in action when they're not actually in government? Hmm. Anyway, they want to slash millions, billions even, the numbers quoted are huge, although when Lewis Goodall challenges Reform Chairman, Zia Yusef, on his wild figures, Yusef cites an unnamed think tank as his source. Seems reasonable. Pensions will go - not Farage's EU one to be clear, that's staying, obvs - meetings will be reduced and apparently a hit squad of talented experts will be instigating all of this, for free. Meanwhile, the Tories are having a mare. Jenrick is busy doing the media rounds but Marina has found some pretty incredible receipts. And Truss is in Hungary, wanging on about free speech and how she's had to go to Budapest to say what she wants. Each to their own. Some great underrated tweets and clips follow, plus the ladies explore the somewhat biased coverage of the man arrested for driving into the crowds of football fans in Liverpool. he lives in a cul de sac and that, apparently, means a lot. Pudding is by the phenomenal Larry and Paul Enjoy! Thank you for sharing and do tweet us @MarinaPurkiss @jemmaforte @TheTrawlPodcastPatreonhttps://patreon.com/TheTrawlPodcastYoutubehttps://www.youtube.com/@TheTrawlTwitterhttps://twitter.com/TheTrawlPodcastBlueSkyhttps://bsky.app/profile/thetrawl.bsky.socialCreated and Produced by Jemma Forte & Marina PurkissEdited by Max Carrey

Caleb O. Brown hosted the Cato Daily Podcast for nearly 18 years, producing well over 4000 episodes. He has gone on to head Kentucky's Bluegrass Institute. This is one among the best episodes produced in his tenure, selected by the host and listeners.“Denial” is the single word that the Reason Foundation's Peter Constant uses to describe the attitude many state governments have taken toward pension finance problems. Hosted on Acast. See acast.com/privacy for more information.

This week, Jackie Campbell discuss the complexities of financial planning, emphasizing the importance of income planning as a critical component of retirement strategy. She explores common misconceptions about retirement savings, the significance of mindset in retirement readiness, and the various options available for creating sustainable income in retirement. The conversation also delves into tax efficiency strategies, particularly the benefits of Roth conversions, and the necessity of comprehensive financial planning that integrates all aspects of a client's financial life. For more information or to schedule a consultation call 352-251-1015 or visit www.mycampbellandco.com! Follow us on social media: Facebook | YouTube | X | InstagramSee omnystudio.com/listener for privacy information.

Massive shoutout to Ian who asked these brilliant questions. From transferring defined benefit and defined contribution pensions, to comparing the index providers of FTSE and MSCI, from UK stocks and their fees, to investing into bonds, and a lot more. This episode has a little bit of everything. Timestamps for each question are below. And if anyone is keen to get involved in a future 4-week investing crash course, give me a shout and I'll add you to the waitlist (IG - makingmoneysimple, email - makingmoneysimple1@gmail.com).Timestamps:0:00 - Intro1:07 - Fees for non-UK stocks? Plus, should we focus on UK-listed stocks?3:22 - And what about ETFs?4:22 - Why are UK stocks listed in pennies?5:53 - Can a company create new/more shares?7:41 - And what about a company buying back shares?8:34 - Index funds: FTSE vs MSCI?11:22 - How to differentiate between indexes?12:39 - Back to FTSE vs MSCI?15:01 - Will the Cash ISA allowance be reduced?16:06 - Are bond investments worthwhile?17:58 - What is my personal annual rate of return?19:19 - Has my portfolio recovered after the 2025 market drop?21:31 - Pensions introduction22:22 - Can any pension be transferred?29:03 - OutroListen to the episode for the full details.-----------------------------------------------

More than 100 influential disabled people have signed an open letter to Prime Minister, Keir Starmer, calling £5bn worth of benefit cuts, “cruel”.Screenwriter, Jack Thorne, behind hits including Adolescence and Toxic Town talks exclusively to Access All about why he signed the letter which dubs the planned reforms “cruelty by policy”. The Department for Work and Pensions says its “determined to support people in all parts of the county”. Also, we hear from author and The Guardian columnist, Frances Ryan about how a trip to the pub lead to her chronic illness and why her new book Who Wants Normal? The Disabled Girl's Guide To Life is essential reading for everyone. Presented by Emma Tracey Produced by Alex Collins Sound recorded and mixed by Dave O'Neill Editors: Beth Rose and Damon Rose

Russ Mould, Investment Director at AJ Bell

A ballot of school secretaries for indefinite strike action in a dispute over pensions is underway. The ballot has been commenced by the Fórsa trade union, the union representing more than 2,300 school secretaries in primary and secondary schools. Acording to Fórsa, the ballot is indicative of the level of frustration with the continued exclusion of school secretaries from the public service pension scheme. To discuss this further, Alan Morrissey was joined by vice chair and treasurer of Fórsa School Secretaries Branch on Clare/Galway border, Rena McGrath and Secretary at St Senan's Primary School, Bernie Dillon. Photo (c) by WOKANDAPIX from pixabay via Canva.

Good Sunday morning to you,I am just on a train home from Glasgow, where I have been gigging these past two nights. I've had a great time, as I always seem to do when I go north of the wall.But Glasgow on a Saturday night is something else. My hotel was right next to the station and so I was right in the thick of it. If I ever get to make a cacatopian, end-of-days, post-apocalyptic thriller, I'll just stroll through Glasgow city centre on a Friday or Saturday night with a camera to get all the B roll. It was like walking through a Hieronymus Bosch painting only with a Scottish accent. Little seems to have changed since I wrote that infamous chapter about Glasgow in Life After the State all those years ago. The only difference is that now it's more multi-ethnic. So many people are so off their heads. I lost count of the number of randoms wandering about just howling at the stars. The long days - it was still light at 10 o'clock - make the insanity all the more visible. Part of me finds it funny, but another part of me finds it so very sad that so many people let themselves get into this condition. It prompted me to revisit said chapter, and I offer it today as your Sunday thought piece.Just a couple of little notes, before we begin. This caught my eye on Friday. Our favourite uranium tech company, Lightbridge Fuels (NASDAQ:LTBR), has taken off again with Donald Trump's statement that he is going to quadruple US nuclear capacity. The stock was up 45% in a day. We first looked at it in October at $3. It hit $15 on Friday. It's one to sell on the spikes and buy on the dips, as this incredible chart shows.(In other news I have now listened twice to the Comstock Lode AGM, and I'll report back on that shortly too). ICYMI here is my mid-week commentary, which attracted a lot of attentionRight - Glasgow.(NB I haven't included references here. Needless to say, they are all there in the book. And sorry I don't have access to the audio of me reading this from my laptop, but, if you like, you can get the audiobook at Audible, Apple Books and all good audiobookshops. The book itself available at Amazon, Apple Books et al).How the Most Entrepreneurial City in Europe Became Its SickestThe cause of waves of unemployment is not capitalism, but governments …Friedrich Hayek, economist and philosopherIn the 18th and 19th centuries, the city of Glasgow in Scotland became enormously, stupendously rich. It happened quite organically, without planning. An entrepreneurial people reacted to their circumstances and, over time, turned Glasgow into an industrial and economic centre of such might that, by the turn of the 20th century, Glasgow was producing half the tonnage of Britain's ships and a quarter of all locomotives in the world. (Not unlike China's industrial dominance today). It was regarded as the best-governed city in Europe and popular histories compared it to the great imperial cities of Venice and Rome. It became known as the ‘Second City of the British Empire'.Barely 100 years later, it is the heroin capital of the UK, the murder capital of the UK and its East End, once home to Europe's largest steelworks, has been dubbed ‘the benefits capital of the UK'. Glasgow is Britain's fattest city: its men have Britain's lowest life expectancy – on a par with Palestine and Albania – and its unemployment rate is 50% higher than the rest of the UK.How did Glasgow manage all that?The growth in Glasgow's economic fortunes began in the latter part of the 17th century and the early 18th century. First, the city's location in the west of Scotland at the mouth of the river Clyde meant that it lay in the path of the trade winds and at least 100 nautical miles closer to America's east coast than other British ports – 200 miles closer than London. In the days before fossil fuels (which only found widespread use in shipping in the second half of the 19th century) the journey to Virginia was some two weeks shorter than the same journey from London or many of the other ports in Britain and Europe. Even modern sailors describe how easy the port of Glasgow is to navigate. Second, when England was at war with France – as it was repeatedly between 1688 and 1815 – ships travelling to Glasgow were less vulnerable than those travelling to ports further south. Glasgow's merchants took advantage and, by the early 18th century, the city had begun to assert itself as a trading hub. Manufactured goods were carried from Britain and Europe to North America and the Caribbean, where they were traded for increasingly popular commodities such as tobacco, cotton and sugar.Through the 18th century, the Glasgow merchants' business networks spread, and they took steps to further accelerate trade. New ships were introduced, bigger than those of rival ports, with fore and aft sails that enabled them to sail closer to the wind and reduce journey times. Trading posts were built to ensure that cargo was gathered and stored for collection, so that ships wouldn't swing idly at anchor. By the 1760s Glasgow had a 50% share of the tobacco trade – as much as the rest of Britain's ports combined. While the English merchants simply sold American tobacco in Europe at a profit, the Glaswegians actually extended credit to American farmers against future production (a bit like a crop future today, where a crop to be grown at a later date is sold now). The Virginia farmers could then use this credit to buy European goods, which the Glaswegians were only too happy to supply. This brought about the rise of financial institutions such as the Glasgow Ship Bank and the Glasgow Thistle Bank, which would later become part of the now-bailed-out, taxpayer-owned Royal Bank of Scotland (RBS).Their practices paid rewards. Glasgow's merchants earned a great deal of money. They built glamorous homes and large churches and, it seems, took on aristocratic airs – hence they became known as the ‘Tobacco Lords'. Numbering among them were Buchanan, Dunlop, Ingram, Wilson, Oswald, Cochrane and Glassford, all of whom had streets in the Merchant City district of Glasgow named after them (other streets, such as Virginia Street and Jamaica Street, refer to their trade destinations). In 1771, over 47 million pounds of tobacco were imported.However, the credit the Glaswegians extended to American tobacco farmers would backfire. The debts incurred by the tobacco farmers – which included future presidents George Washington and Thomas Jefferson (who almost lost his farm as a result) – grew, and were among the grievances when the American War of Independence came in 1775. That war destroyed the tobacco trade for the Glaswegians. Much of the money that was owed to them was never repaid. Many of their plantations were lost. But the Glaswegians were entrepreneurial and they adapted. They moved on to other businesses, particularly cotton.By the 19th century, all sorts of local industry had emerged around the goods traded in the city. It was producing and exporting textiles, chemicals, engineered goods and steel. River engineering projects to dredge and deepen the Clyde (with a view to forming a deep- water port) had begun in 1768 and they would enable shipbuilding to become a major industry on the upper reaches of the river, pioneered by industrialists such as Robert Napier and John Elder. The final stretch of the Monkland Canal, linking the Forth and Clyde Canal at Port Dundas, was opened in 1795, facilitating access to the iron-ore and coal mines of Lanarkshire.The move to fossil-fuelled shipping in the latter 19th century destroyed the advantages that the trade winds had given Glasgow. But it didn't matter. Again, the people adapted. By the turn of the 20th century the Second City of the British Empire had become a world centre of industry and heavy engineering. It has been estimated that, between 1870 and 1914, it produced as much as one-fifth of the world's ships, and half of Britain's tonnage. Among the 25,000 ships it produced were some of the greatest ever built: the Cutty Sark, the Queen Mary, HMS Hood, the Lusitania, the Glenlee tall ship and even the iconic Mississippi paddle steamer, the Delta Queen. It had also become a centre for locomotive manufacture and, shortly after the turn of the 20th century, could boast the largest concentration of locomotive building works in Europe.It was not just Glasgow's industry and wealth that was so gargantuan. The city's contribution to mankind – made possible by the innovation and progress that comes with booming economies – would also have an international impact. Many great inventors either hailed from Glasgow or moved there to study or work. There's James Watt, for example, whose improvements to the steam engine were fundamental to the Industrial Revolution. One of Watt's employees, William Murdoch, has been dubbed ‘the Scot who lit the world' – he invented gas lighting, a new kind of steam cannon and waterproof paint. Charles MacIntosh gave us the raincoat. James Young, the chemist dubbed as ‘the father of the oil industry', gave us paraffin. William Thomson, known as Lord Kelvin, developed the science of thermodynamics, formulating the Kelvin scale of absolute temperature; he also managed the laying of the first transatlantic telegraph cable.The turning point in the economic fortunes of Glasgow – indeed, of industrial Britain – was WWI. Both have been in decline ever since. By the end of the war, the British were drained, both emotionally and in terms of capital and manpower; the workers, the entrepreneurs, the ideas men, too many of them were dead or incapacitated. There was insufficient money and no appetite to invest. The post-war recession, and later the Great Depression, did little to help. The trend of the city was now one of inexorable economic decline.If Glasgow was the home of shipping and industry in 19th-century Britain, it became the home of socialism in the 20th century. Known by some as the ‘Red Clydeside' movement, the socialist tide in Scotland actually pre-dated the First World War. In 1906 came the city's first Labour Member of Parliament (MP), George Barnes – prior to that its seven MPs were all Conservatives or Liberal Unionists. In the spring of 1911, 11,000 workers at the Singer sewing-machine factory (run by an American corporation in Clydebank) went on strike to support 12 women who were protesting about new work practices. Singer sacked 400 workers, but the movement was growing – as was labour unrest. In the four years between 1910 and 1914 Clydebank workers spent four times as many days on strike than in the whole of the previous decade. The Scottish Trades Union Congress and its affiliations saw membership rise from 129,000 in 1909 to 230,000 in 1914.20The rise in discontent had much to do with Glasgow's housing. Conditions were bad, there was overcrowding, bad sanitation, housing was close to dirty, noxious and deafening industry. Unions grew quite organically to protect the interests of their members.Then came WWI, and inflation, as Britain all but abandoned gold. In 1915 many landlords responded by attempting to increase rent, but with their young men on the Western front, those left behind didn't have the means to pay these higher costs. If they couldn't, eviction soon followed. In Govan, an area of Glasgow where shipbuilding was the main occupation, women – now in the majority with so many men gone – organized opposition to the rent increases. There are photographs showing women blocking the entrance to tenements; officers who did get inside to evict tenants are said to have had their trousers pulled down.The landlords were attacked for being unpatriotic. Placards read: ‘While our men are fighting on the front line,the landlord is attacking us at home.' The strikes spread to other cities throughout the UK, and on 27 November 1915 the government introduced legislation to restrict rents to the pre-war level. The strikers were placated. They had won. The government was happy; it had dealt with the problem. The landlords lost out.In the aftermath of the Russian Revolution of 1917, more frequent strikes crippled the city. In 1919 the ‘Bloody Friday' uprising prompted the prime minister, David Lloyd George, to deploy 10,000 troops and tanks onto the city's streets. By the 1930s Glasgow had become the main base of the Independent Labour Party, so when Labour finally came to power alone after WWII, its influence was strong. Glasgow has always remained a socialist stronghold. Labour dominates the city council, and the city has not had a Conservative MP for 30 years.By the late 1950s, Glasgow was losing out to the more competitive industries of Japan, Germany and elsewhere. There was a lack of investment. Union demands for workers, enforced by government legislation, made costs uneconomic and entrepreneurial activity arduous. With lack of investment came lack of innovation.Rapid de-industrialization followed, and by the 1960s and 70s most employment lay not in manufacturing, but in the service industries.Which brings us to today. On the plus side, Glasgow is still ranked as one of Europe's top 20 financial centres and is home to some leading Scottish businesses. But there is considerable downside.Recent studies have suggested that nearly 30% of Glasgow's working age population is unemployed. That's 50% higher than that of the rest of Scotland or the UK. Eighteen per cent of 16- to 19-year-olds are neither in school nor employed. More than one in five working-age Glaswegians have no sort of education that might qualify them for a job.In the city centre, the Merchant City, 50% of children are growing up in homes where nobody works. In the poorer neighbourhoods, such as Ruchill, Possilpark, or Dalmarnock, about 65% of children live in homes where nobody works – more than three times the national average. Figures from the Department of Work and Pensions show that 85% of working age adults from the district of Bridgeton claim some kind of welfare payment.Across the city, almost a third of the population regularly receives sickness or incapacity benefit, the highest rate of all UK cities. A 2008 World Health Organization report noted that in Glasgow's Calton, Bridgeton and Queenslie neighbourhoods, the average life expectancy for males is only 54. In contrast, residents of Glasgow's more affluent West End live to be 80 and virtually none of them are on the dole.Glasgow has the highest crime rate in Scotland. A recent report by the Centre for Social Justice noted that there are 170 teenage gangs in Glasgow. That's the same number as in London, which has over six times the population of Glasgow.It also has the dubious record of being Britain's murder capital. In fact, Glasgow had the highest homicide rate in Western Europe until it was overtaken in 2012 by Amsterdam, with more violent crime per head of population than even New York. What's more, its suicide rate is the highest in the UK.Then there are the drug and alcohol problems. The residents of the poorer neighbourhoods are an astounding six times more likely to die of a drugs overdose than the national average. Drug-related mortality has increased by 95% since 1997. There are 20,000 registered drug users – that's just registered – and the situation is not going to get any better: children who grow up in households where family members use drugs are seven times more likely to end up using drugs themselves than children who live in drug-free families.Glasgow has the highest incidence of liver diseases from alcohol abuse in all of Scotland. In the East End district of Dennistoun, these illnesses kill more people than heart attacks and lung cancer combined. Men and women are more likely to die of alcohol-related deaths in Glasgow than anywhere else in the UK. Time and time again Glasgow is proud winner of the title ‘Fattest City in Britain'. Around 40% of the population are obese – 5% morbidly so – and it also boasts the most smokers per capita.I have taken these statistics from an array of different sources. It might be in some cases that they're overstated. I know that I've accentuated both the 18th- and 19th-century positives, as well as the 20th- and 21st-century negatives to make my point. Of course, there are lots of healthy, happy people in Glasgow – I've done many gigs there and I loved it. Despite the stories you hear about intimidating Glasgow audiences, the ones I encountered were as good as any I've ever performed in front of. But none of this changes the broad-brush strokes: Glasgow was a once mighty city that now has grave social problems. It is a city that is not fulfilling its potential in the way that it once did. All in all, it's quite a transformation. How has it happened?Every few years a report comes out that highlights Glasgow's various problems. Comments are then sought from across the political spectrum. Usually, those asked to comment agree that the city has grave, ‘long-standing and deep-rooted social problems' (the words of Stephen Purcell, former leader of Glasgow City Council); they agree that something needs to be done, though they don't always agree on what that something is.There's the view from the right: Bill Aitken of the Scottish Conservatives, quoted in The Sunday Times in 2008, said, ‘We simply don't have the jobs for people who are not academically inclined. Another factor is that some people are simply disinclined to work. We have got to find something for these people to do, to give them a reason to get up in the morning and give them some self-respect.' There's the supposedly apolitical view of anti-poverty groups: Peter Kelly, director of the Glasgow-based Poverty Alliance, responded, ‘We need real, intensive support for people if we are going to tackle poverty. It's not about a lack of aspiration, often people who are unemployed or on low incomes are stymied by a lack of money and support from local and central government.' And there's the view from the left. In the same article, Patricia Ferguson, the Labour Member of the Scottish Parliament (MSP) for Maryhill, also declared a belief in government regeneration of the area. ‘It's about better housing, more jobs, better education and these things take years to make an impact. I believe that the huge regeneration in the area is fostering a lot more community involvement and cohesion. My real hope is that these figures will take a knock in the next five or ten years.' At the time of writing in 2013, five years later, the figures have worsened.All three points of view agree on one thing: the government must do something.In 2008 the £435 million Fairer Scotland Fund – established to tackle poverty – was unveiled, aiming to allocate cash to the country's most deprived communities. Its targets included increasing average income among lower wage-earners and narrowing the poverty gap between Scotland's best- and worst-performing regions by 2017. So far, it hasn't met those targets.In 2008 a report entitled ‘Power for The Public' examined the provision of health, education and justice in Scotland. It said the budgets for these three areas had grown by 55%, 87% and 44% respectively over the last decade, but added that this had produced ‘mixed results'. ‘Mixed results' means it didn't work. More money was spent and the figures got worse.After the Centre for Social Justice report on Glasgow in 2008, Iain Duncan Smith (who set up this think tank, and is now the Secretary of State for Work and Pensions) said, ‘Policy must deal with the pathways to breakdown – high levels of family breakdown, high levels of failed education, debt and unemployment.'So what are ‘pathways to breakdown'? If you were to look at a chart of Glasgow's prosperity relative to the rest of the world, its peak would have come somewhere around 1910. With the onset of WWI in 1914 its decline accelerated, and since then the falls have been relentless and inexorable. It's not just Glasgow that would have this chart pattern, but the whole of industrial Britain. What changed the trend? Yes, empires rise and fall, but was British decline all a consequence of WWI? Or was there something else?A seismic shift came with that war – a change which is very rarely spoken or written about. Actually, the change was gradual and it pre-dated 1914. It was a change that was sweeping through the West: that of government or state involvement in our lives. In the UK it began with the reforms of the Liberal government of 1906–14, championed by David Lloyd George and Winston Churchill, known as the ‘terrible twins' by contemporaries. The Pensions Act of 1908, the People's Budget of 1909–10 (to ‘wage implacable warfare against poverty', declared Lloyd George) and the National Insurance Act of 1911 saw the Liberal government moving away from its tradition of laissez-faire systems – from classical liberalism and Gladstonian principles of self-help and self-reliance – towards larger, more active government by which taxes were collected from the wealthy and the proceeds redistributed. Afraid of losing votes to the emerging Labour party and the increasingly popular ideology of socialism, modern liberals betrayed their classical principles. In his War Memoirs, Lloyd George said ‘the partisan warfare that raged around these topics was so fierce that by 1913, this country was brought to the verge of civil war'. But these were small steps. The Pensions Act, for example, meant that men aged 70 and above could claim between two and five shillings per week from the government. But average male life- expectancy then was 47. Today it's 77. Using the same ratio, and, yes, I'm manipulating statistics here, that's akin to only awarding pensions to people above the age 117 today. Back then it was workable.To go back to my analogy of the prologue, this period was when the ‘train' was set in motion across the West. In 1914 it went up a gear. Here are the opening paragraphs of historian A. J. P. Taylor's most celebrated book, English History 1914–1945, published in 1965.I quote this long passage in full, because it is so telling.Until August 1914 a sensible, law-abiding Englishman could pass through life and hardly notice the existence of the state, beyond the post office and the policeman. He could live where he liked and as he liked. He had no official number or identity card. He could travel abroad or leave his country forever without a passport or any sort of official permission. He could exchange his money for any other currency without restriction or limit. He could buy goods from any country in the world on the same terms as he bought goods at home. For that matter, a foreigner could spend his life in this country without permit and without informing the police. Unlike the countries of the European continent, the state did not require its citizens to perform military service. An Englishman could enlist, if he chose, in the regular army, the navy, or the territorials. He could also ignore, if he chose, the demands of national defence. Substantial householders were occasionally called on for jury service. Otherwise, only those helped the state, who wished to do so. The Englishman paid taxes on a modest scale: nearly £200 million in 1913–14, or rather less than 8% of the national income.The state intervened to prevent the citizen from eating adulterated food or contracting certain infectious diseases. It imposed safety rules in factories, and prevented women, and adult males in some industries,from working excessive hours.The state saw to it that children received education up to the age of 13. Since 1 January 1909, it provided a meagre pension for the needy over the age of 70. Since 1911, it helped to insure certain classes of workers against sickness and unemployment. This tendency towards more state action was increasing. Expenditure on the social services had roughly doubled since the Liberals took office in 1905. Still, broadly speaking, the state acted only to help those who could not help themselves. It left the adult citizen alone.All this was changed by the impact of the Great War. The mass of the people became, for the first time, active citizens. Their lives were shaped by orders from above; they were required to serve the state instead of pursuing exclusively their own affairs. Five million men entered the armed forces, many of them (though a minority) under compulsion. The Englishman's food was limited, and its quality changed, by government order. His freedom of movement was restricted; his conditions of work prescribed. Some industries were reduced or closed, others artificially fostered. The publication of news was fettered. Street lights were dimmed. The sacred freedom of drinking was tampered with: licensed hours were cut down, and the beer watered by order. The very time on the clocks was changed. From 1916 onwards, every Englishman got up an hour earlier in summer than he would otherwise have done, thanks to an act of parliament. The state established a hold over its citizens which, though relaxed in peacetime, was never to be removed and which the Second World war was again to increase. The history of the English state and of the English people merged for the first time.Since the beginning of WWI , the role that the state has played in our lives has not stopped growing. This has been especially so in the case of Glasgow. The state has spent more and more, provided more and more services, more subsidy, more education, more health care, more infrastructure, more accommodation, more benefits, more regulations, more laws, more protection. The more it has provided, the worse Glasgow has fared. Is this correlation a coincidence? I don't think so.The story of the rise and fall of Glasgow is a distilled version of the story of the rise and fall of industrial Britain – indeed the entire industrial West. In the next chapter I'm going to show you a simple mistake that goes on being made; a dynamic by which the state, whose very aim was to help Glasgow, has actually been its ‘pathway to breakdown' . . .Life After the State is available at Amazon, Apple Books and all good bookshops, with the audiobook at Audible, Apple Books and all good audiobookshops. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.theflyingfrisby.com/subscribe

Send us a textWelcome to The Vault with Financielle.This week, we dive into Pensions - why we're overthinking them; what to think about if you'd like to retire early and looking at the state pension a little too!

In an exclusive interview with this programme the Pensions Minister has talked about the government's plans to reform the UK's pension system. Torsten Bell has said that pension schemes should be moving more of members' money out of shares and into infrastructure projects where returns are higher. And he announced a new plan this week to bring millions of small pension pots together into one multibillion pound so-called 'consolidator scheme'. Hear that interview with Paul Lewis in full.Banks, building societies, utility suppliers and pension providers "must do far better" when it comes to helping people deal with the finances of loved ones who've died. That's what the Chief Executive of Hospice UK, Toby Porter, has told this programme. We'll discuss best practice and what can be done to improve poor service.And a government savings scheme designed to help people on low incomes is being extended and widened. How does Help to Save work?Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Catherine Lund and Jo Krasner Editor: Jess Quayle(This programme was first broadcast 12pm Saturday 26th April 2025)

In this podcast, UK Pensions Partner Vanessa Wells explores key trends in workplace and private pension provision across Europe. She's joined by fellow pensions experts François Barker (UK), Eric Bergamin (Netherlands), and Jan-Jacob Roeder (Germany), who share insights from their respective jurisdictions. Topics discussed include: The shift from defined benefit (DB) to defined contribution (DC) schemes and how this transition is unfolding in their countries and The challenges of DC decumulation and the innovative strategies being used to address them Tune in to hear from leading voices in the field and stay informed about the evolving European pensions landscape.

Artificial intelligence is upon us, but are schemes ready? Trustees may not yet be offering AI tools, but members have been quick off the mark. In this second episode, we discuss how members are using AI, before closing with practical tips for trustees. Our guest, again, is comms consultant Thomas Joy (Quietroom). Subscribe to our Pensions Notes Blog here: www.herbertsmithfreehills.com/notes/pensions/subscribe

(RadioPirate LIVE édition du 23 MAI 2025 avec ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jeff⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠, ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gerry⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ et ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠MisterWhite⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠. 0min00 - Les nouvelles des dernières heures analysées par ⁠⁠⁠⁠⁠⁠⁠⁠⁠Jeff⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ version unplugged Voici les RadioPirate News! 35min11 - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Gerry⁠⁠⁠⁠ présente sa Boîte à Pizza, un podcast regroupant les nouvelles les plus éclatées de la semaine! Avec ⁠⁠⁠⁠Jeff⁠⁠⁠⁠ et ⁠⁠⁠⁠MisterWhite⁠⁠⁠⁠ aux réactions et commentaires. ⁠⁠⁠⁠⁠1h04min27 - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Nicolas Gagnon⁠⁠⁠ de la ⁠⁠⁠Fédération Canadienne des Contribuables⁠⁠⁠ est avec nous pour parler des exagérations de dépenses à travers tous les paliers gouvernementaux que ce soit municipaux, provinciaux ou nationaux. - Taxe du carbone - Pensions des élus à Ottawa ⁠⁠⁠⁠⁠⁠1h24min07 - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Les cuts audio de la semaine présentées par ⁠⁠⁠⁠⁠MisterWhite⁠⁠⁠⁠⁠ avec ⁠⁠⁠⁠⁠Jeff⁠⁠⁠⁠⁠ et ⁠⁠⁠⁠⁠Gerry⁠⁠⁠⁠⁠ aux réactions et commentaires. 1h53min55 - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠On vous fait découvrir Yves Dufresne de la ⁠Rhumerie Grands Charbon⁠ qui vient présenter l'histoire et la démarche d'entrepreneur développé avec son partner Jonathan Couturier derrière cette entreprise trifluvienne en pleine expansion en compagnie de ⁠Jeff⁠⁠⁠⁠⁠⁠, ⁠Gerry⁠⁠⁠⁠⁠ et ⁠⁠⁠⁠⁠MisterWhite⁠⁠⁠⁠⁠. Quelques produits de la ⁠Rhumerie Grands Charbons⁠ ⁠Rhum le P'tit Pirate⁠⁠RhumCoco Noix de Coco et Érable⁠ ⁠Trois-Îles Rhum Arrangé Orange-Café Learn more about your ad choices. Visit megaphone.fm/adchoices

Senator Josh Hawley (R-MO), who serves on the Senate Committees on the Judiciary; Homeland Security and Governmental Affairs; Health, Education, Labor, and Pensions; and Small Business and Entrepreneurship, joined The Guy Benson Show today to discuss the tragic murder of two Israeli embassy workers in Washington, D.C. by a pro-Hamas protester. He condemned the lack of response from Democrats like Ilhan Omar, calling out what he sees as a disturbing silence in the face of antisemitic violence. Hawley also weighed in on the passage of Trump's "Big Beautiful Bill," praising the widespread tax relief it delivers and outlining how he believes federal spending can still be cut without sacrificing Medicaid for truly struggling Americans. Listen to the full interview below! Learn more about your ad choices. Visit podcastchoices.com/adchoices

Storm Rundd, President of Oklahoma Bitcoin Association, discusses the status of state Bitcoin strategic reserve bills, legislative processes, funding sources, and opportunity costs. The conversation also covers vibe coding and AI's impact on future business models.You're listening to Bitcoin Season 2. Subscribe to the newsletter, trusted by over 7,000 Bitcoiners: https://newsletter.blockspacemedia.comStorm Rund, President of the Oklahoma Bitcoin Association, joins us to discuss the state of Bitcoin Strategic Reserve bills across the US. Storm breaks down the complex legislative process, explains why many bills fail despite strong support, and compares treasurer vs. pension fund approaches. He introduces the opportunity cost tracker that shows how much money states have lost by rejecting Bitcoin. The conversation concludes with insights on vibe coding, AI productivity, and how these technologies will reshape business models.Follow our guests: @Storm_R0Notes:- Over half of US states have proposed SBR bills- Oklahoma SBR bill passed 77-15 then died in committee- Pension funds typically 4x larger than state funds- 5% Bitcoin allocation = $500M opportunity cost- Montana SBR had $50M cap with specific fund source- AI changing labor market in big tech companiesTimestamps:00:00 Start01:31 Current Bitcoin Reserve landscape03:31 Bill process07:05 Oklahoma example11:53 Funding these state SBRs12:43 Bill design matters17:55 Bill funding19:54 Treasury vs Pension funds27:03 Crafting better bills33:53 Opportunity cost tool43:50 Vibe coding49:07 AI changing business-

Welcome to another MM Q&A, taking in budgeting rules of thumb, pension tax relief and offshore worker pension contributions, and lots more besides! Shownotes: https://meaningfulmoney.tv/QA14    01:57  Question 1 Hi Pete, I've been a long-time follower of your podcast and hope to be retiring or entering my ‘renaissance' in the next five years or so. I'd like to know if you think the 50, 30, 20 rule is still a good rule of thumb, or is there a better one? About a year ago, I decided to give a presentation on pensions to the new starters at my workplace. As I prepared, I realised that while I could explain the mechanics and importance of pensions, the bigger challenge would be addressing the feeling many have that they "can't afford" to contribute due to financial pressures—especially for younger people. Reflecting on my own experiences during university and early work life, I noticed a pattern: no matter how much I earned, I always seemed to end up with zero by the end of the term or month. Earning more didn't make me happier, and I was going out less compared to when I had very little. A detailed review of my spending revealed I was wasting money on unnecessary things—like buying three CDs instead of two, upgrading to a large coffee when a medium would do, or adding extras to my car that weren't needed. It was only when I learnt to pay myself first that everything changed overnight. Recently, I've been listening to podcasts about retirement that emphasise health, purpose, and happiness. One by Dr. Chatterjee introduced the concept of core happiness versus junk happiness. Core happiness comes from meaningful, lasting fulfilment, while junk happiness provides short-term pleasure through things like sugar, smoking, alcohol, social media, or shopping. Looking back, much of my unnecessary spending was driven by junk happiness. While paying myself first helped control this, understanding the why behind it made a big difference. This led me to realise that my presentation shouldn't just focus on the mechanics of finance—it also needed to explore the psychology behind spending. Understanding why we buy the things we do is important to becoming more financially secure while staying happy. It was something in one of Nischa's videos that seemed to tie everything together at a high level: the 50-30-20 rule —50% for fundamentals, 30% for fun, and 20% for the future. So my question is ( I know I've gone around the houses so sorry about that) given today's financial turbulence, do you think this is still a good rule to follow? Kind regards, Steve 09:16  Question 2 Hi Pete and Roger, Thanks for all the content you've put our over years, it really has been so helpful. I am 54 and have a work place pension with Fidelity where my employer matches my contributions to a certain level and I make additional through my monthly pay to the tune of £2.400 p.m. This summer I am due to inherit around £130,000 and will look to add around 20k of it  into my pension fund.  My question relates specifically to tax relief. I understand that when I make the contribution in the summer I will get 20pc tax relief automatically, but how will this show itself, will my contribution of 20k actually show on my pension balance a 24k?    Also as a 40pc high rate tax payer I understand I will need to to complete a tax return to claim the additional 20%.  This being the case, would I still be able to do this if I had left my employment later in the same tax year as I may be looking to retire in Autumn 2025.  Would it be the case that as I was no longer a higher rate tax payer as at 4 April 2026 I would not be able to claim the extra 20pc  on the 20k contribution the previous summer kind regards Gary 16:09  Question 3 Hi Pete & Roger, Firstly, I am absolutely addicted to your podcast. What you're doing is nothing short of heroic and am waiting to see your names on the New Year Honours List. Sir Pete and Sir Roger has a nice ring to it, don't you think? I am 34 and work in a career that gives me the opportunity to go on expat assignments (typically 3-year stints). This results in me becoming a non-tax resident in the UK meaning I can no longer contribute to the UK DC workplace pension and no longer able to contribute to my S&S ISA. My company do have an Offshore version of the DC pension but contributions to this are made after hypothetical tax so effectively there is no tax relief and to be honest I have really struggled to understand how I would access this pension come retirement and the UK tax implications so will likely avoid contributing to it this time around. When I go on an expat assignment, although I do get significant uplifts to my income, it interrupts my flow of regular pension and ISA contributions. The income I earn on assignment just mounts up and gets eaten up by inflation until I return to the UK and continue investing again. My question is what advice would you give to people like me? Should I speak to a financial planner before I go on assignment, or can I DIY this? Should I try to max out pension contribution limits before I go on assignment and max them out on return or should I be investing in GIAs while I am on assignment? What other considerations would you recommend? Thanks, Ryan 23:23  Question 4 Dear Pete and Rog, Thanks so much for your podcast - not just for the technical tips and tricks but for educating us towards and encouraging healthy relationships with finances. Q1 can I buy you a drink when I'm next in Cornwall? Q2 I don't know if this will resonate with other listeners, but here goes.... Pete, you have sometimes made reference to your upbringing in a Christian home, particularly in relation to talking (or not!) about money.  I appreciate that it may not be something you have chosen to follow in later life, but I guess if anyone understood the moral, ethical and belief issues surrounding money and Christianity, you might. As a Christian who tries to follow Biblical principles & the teachings of Christ, on one hand I strongly believe that what ever we have, be that time, skills, talents or money, they are a gift from God and we should use them or "steward them" well.  I am an NHS consultant so am fortunate to be in both 1995 and 2015 DB NHS pension schemes, expect to get a full state pension, am building an emergency fund, don't have bad debts, have adequate insurance / income protection and am seeking to invest a little of my spare money via an ISA into a low cost, passive, globally diversified index tracker (not financial advice!)  This seems wise to me.  I would encourage my fairly grown up children in this way too. On the other hand, there is much Biblical teaching along the lines of - "don't worry about tomorrow, what you will wear etc", "build up treasures in heaven rather than on earth" and "seek first the Kingdom of God".... Have you any thoughts or insights on how I might square some of this.  Or can you point me in the direction of planners / advisors who can? Many thanks once again. Robbie 31:14  Question 5 Hi Roger and Pete Love the show, which I have recommended to so many people. I consider myself a more mature investor with long-term savings, ISA's and Pensions who has also completed the build wealth course on Meaningful Academy and coaching with Alistair. I was listening to the Making Money podcast with Damien, and he was interviewing the COO of Nest who talked about how they are offering access to Private Equity investment via Schroders Capital. So my question is, what do you think of this as an option for further diversification, and are there any good options/ funds for private investors like me to access? Thanks in advance Jamie 35:23  Question 6 Hi guys, Been listening for a couple years now. Really enjoy the show and the rapport you both have. You've made me passionate about saving regularly into my stocks and shares ISA, maximising pension contributions and building up an emergency fund. My dad is 71 and has recently been diagnosed with Alzheimer's. He is still in good shape, but we are starting to think and plan more for the future. My sister and I have recently been set up to have power of attorney so we can help with various health and financial things when the time comes. My dad is selling a property (not his main residence) and once completed will have about £250,000 in cash sitting in his bank. He receives a DB pension of just under £60k a year which he can comfortably live on. £60k of the £250k is currently in a cash ISA with a decent enough rate. Although I think this may be best sat within a stocks and shares ISA tracking a global equity index fund, as he will almost certainly not need this money any time soon. Could he transfer the £60k cash ISA to a stocks and shares one? I have suggested for him to put £50k into premium bonds and I think he would like £50k readily available in an instant access account should it ever be needed. This would leave him with about £90k that we're not sure what to do with. Do you have any tips for the remaining cash whether that be with a short term, or medium to long term view? (GIA? Fixed term income account? Gift the money? Anything else we're missing?) His pension makes him a higher rate tax payer but his estate would fall under the inheritance tax threshold. (If my question is already too long, please don't feel obliged to read this last part out!) Finally my sister and I are also concerned about potential fraud or him doing something daft. Not only because he has Alzheimer's, but it seems anyone can so easily be caught out these days. Do you have any tips for us to help combat this or what his bank might suggest. We haven't currently told his bank about his condition or that my sister and I have power of attorney. Thanks for all your great work, Steven

Marcus Behrendt, Managing Partner at BMW iVentures, joins Andreas and Jeppe to explore how corporate venture capital can drive transformation in Europe's most iconic industries. From autonomy to AI and natural-fiber composites, the episode dives deep into how BMW's venture arm scans, invests, and hedges across global markets while staying rooted in strategy and sustainability.

Why do interviews for teaching posts have to be done in person? Listeners get in touch with their stories of losing their pets. Gorse fires were seen across the country over the weekend. School secretaries are calling for fairness when it comes to pensions. They say they are not entitled to the same as their teacher colleagues.

Patrick Butler and Josh Halliday (The Guardian) uncovered how vulnerable British carers were taken to court for accidentally claiming carer's allowance while working part-time – even though many had tried to report their earnings to the Department of Work and Pensions. This week, Page 94 is covering the extraordinary stories of the investigative journalists shortlisted for this year's Paul Foot Award, before the winner's announcement next week.

Welcome to CPO Stories! In this new "podcast within a podcast", I'll be speaking to executive product leaders from the UK's biggest companies as well as up-and-coming stars of the future. I'll be digging into how they approach product management within their organisations, how they approached the leap into executive product leadership and trying to get some deep insights into how they view product management practices and culture. If you're a CPO and would like to come on, drop me a line! Or, forward this episode to your CPO and tell them you want them to come on

In this episode, Susan Pendergrass speaks with Andrew G. Biggs, senior fellow at the American Enterprise Institute (AEI), about the current state and future of Social Security. They discuss the dangers of a proposed temporary elimination of taxes on Social Security benefits, which could harm the program's finances and incentivize early retirement, an outcome that could undercut long-term retirement security. Biggs explains that this move would offset one of the greatest contributors to the success of America's retirement system and worsen the funding gaps of Social Security. They also cover concerns about the sustainability of the program, the shift from pensions to 401(k) plans, and the need for sound public policy to address these challenges. Check out Dr. Biggs' Substack, Little-Known Facts, here: https://littleknownfacts.substack.com/ And his new book, The Real Retirement Crisis: Why (Almost) Everything You Know About the US Retirement System Is Wrong, here: https://www.aei.org/research-products/book/the-real-retirement-crisis/ Timestamps: 00:00 Introduction to Social Security and Its Importance 01:57 Understanding Social Security's Financial Future 04:31 Taxation of Social Security Benefits 08:11 The Shift from Pensions to 401(k)s 10:04 Proposals for Tax Cuts and Their Implications 15:51 The Impact of Temporary Tax Cuts on Retirement 17:43 The Future of Social Security and Policy Challenges Produced by Show-Me Opportunity

This week, we celebrate the retirement of Martin Reynard, pensions expert and longstanding Blick Rothenberg veteran, after nearly 40 years in the profession, including over three decades with the firm. Martin reflects on the evolution of pensions and why, despite decades of change, they remain one of the most powerful and essential tools in financial planning today. We look at why pensions still matter from tax relief and employer contributions to flexibility and intergenerational planning and explore the biggest shifts over Martin’s career: the highs of pension freedoms and growing personal control, and the lows of mis-selling scandals and creeping complexity. It’s a thoughtful and insightful look at pensions through the eyes of someone who’s seen it all.See omnystudio.com/listener for privacy information.

A daily non-partisan, conversational breakdown of today's top news and breaking news stories Headlines: – White House Considers Slashing China Tariffs to De-Escalate Trade War (06:10) – Trump Gives Zelensky Warning On Russia-Ukraine War (13:10) – Government Will Seize Wages, Pensions, Tax Refunds To Repay Student Loans (19:30) – India Takes Aim at Pakistan After Slaughter of Civilians in Kashmir (22:30) – New Jersey Wildfire Continues To Burn As Thousands Are Evacuated (25:50) – Google Is Forcing Some Remote Workers To Come Back 3 Days A Week Or Lose Their Jobs (26:45) – ‘10 Things I Hate About You' Comes to Broadway With Carly Rae Jepsen and Lena Dunham (28:45) – On This Day In History (31:50) Thanks To Our Sponsors: – Shopify – $1 per-month trial Code: monews – Aura Frames - $35 off best-selling Carver Mat frames | Promo Code: MONEWS – LMNT - Free Sample Pack with any LMNT drink mix purchase – Industrious - Coworking office. 30% off day pass – Shipstation - Automated, discounted shipping free trial | Code: Monews – Athletic Greens – AG1 Powder + 1 year of free Vitamin D & 5 free travel packs – ZocDoc - Book Top-Rated Doctors