Podcasts about self assessment

This show is a team, but who answers to whom? Sam does Jodi's "evaluation" and she's shocked to learn his professional takeaways. See omnystudio.com/listener for privacy information.

Bookkeeping for small business is not just paperwork. It helps us understand cash flow, make better decisions, stay compliant, and see the real story behind the numbers. About this episode Bookkeeping is one of those jobs many people avoid, delay, or push to one side. But good bookkeeping is not about creating admin for the sake of it. It is about understanding what is happening inside the business. In this episode, we explain why bookkeeping for small business matters and why it applies to more than just limited companies. Freelancers, charities, community groups, not-for-profits, arts organisations, and growing businesses all need reliable records. We look at why bookkeeping creates a memory for the organisation, how it supports cash flow, why it helps with compliance, and how cloud accounting can make the process easier when it is set up properly. What you'll learn in this episode Why bookkeeping is not just paperworkHow records help tell the story of your businessWhy good bookkeeping supports better decisionsHow bookkeeping helps protect cash flowWhy accurate records matter for funding, lenders, and trusteesHow bookkeeping supports VAT, payroll, tax, and complianceWhen spreadsheets may no longer be enoughWhy cloud accounting and proper setup matter Bookkeeping is not new Bookkeeping may feel like a modern business chore, but it has been around for thousands of years. Accounting records from ancient Mesopotamia show people recording goods traded, crops grown, and resources collected. The tools have changed. We now have laptops, smartphones, spreadsheets, and cloud accounting software. But the reason for keeping records has not changed. We still need to know what we own, what we have spent, what we have received, and whether the organisation is moving forwards, backwards, or standing still. Bookkeeping gives your business a memory Think about the photographs on your phone. We take pictures to capture moments and preserve memories. Bookkeeping does the same thing for the business. Every day, money moves in and out. Customers pay invoices. Suppliers send bills. Subscriptions renew. Expenses appear. Equipment is bought. Trying to remember all of that without proper records is not realistic. Good bookkeeping for small business replaces guesswork with evidence. It replaces assumptions with facts. That gives us a much stronger base for decisions. “Good bookkeeping for small business creates a reliable memory for your organisation.” Five reasons bookkeeping matters 1. Better business decisions Gut feeling has its place. Experience matters. But decisions are much stronger when they are backed by accurate financial information. Good bookkeeping helps us see what is really going on. That means better decisions around pricing, spending, funding, projects, and growth. 2. Protecting cash flow Cash is the fuel of every business. A business can look profitable and still struggle if cash is not managed properly. Bookkeeping helps us track what is coming in and what is going out. It can show problems early, before they become serious. Our episode on Cash Flow Management Tips : 5 Essential Tips is a useful follow-on if cash flow is a concern. 3. Understanding performance Bookkeeping is the foundation for useful financial reports. Once the records are accurate, we can see profit, costs, trends, and performance more clearly. That helps us understand which activities bring money in and which ones drain time, cash, or resources. 4. Telling your business story Numbers are the words to your business story. If we are applying for funding, speaking to trustees, talking to lenders, or planning growth, good records help prove the case. They show where the organisation has been, where it is now, and where it may be heading. 5. Staying compliant Good records make VAT returns, payroll, Self Assessment, management accounts, and company tax obligations easier to manage. Tax surprises are rarely welcome. Bookkeeping reduces the risk by keeping the evidence organised and available when needed. Should bookkeeping be manual or digital? There are two common approaches: spreadsheets and cloud accounting software. Spreadsheets can work well for simple record keeping. They are flexible, affordable, and familiar. But as the organisation grows, spreadsheets can become harder to manage. They need more checking, more updating, and more manual effort. Our episode on Recording and capturing your numbers explains why the way we capture financial information matters. What is cloud accounting? Cloud accounting means your financial records are stored and managed online. Instead of being tied to one computer, your information can be accessed securely wherever you have an internet connection. Bank transactions can be imported. Reports can be produced more quickly. Information can be shared with advisers, team members, directors, or trustees. That makes the system more useful and less dependent on one person or one machine. For many small businesses, charities, freelancers, and creative organisations, cloud accounting is a practical step forward. Why cloud accounting can help Cloud accounting can give us a clearer view of the numbers. It can save time, improve access, reduce duplication, and make reporting easier. It also supports teams who are not all in the same place. Directors, trustees, advisers, and staff can access information when they need it, subject to the right permissions. For a wider look at this area, our episode on Cloud Accounting: Embracing the Future of Financial Management explains how cloud systems can support better financial management. Why setup matters Cloud accounting software is useful, but it is not magic. The setup matters. If the system is not set up properly, the reports may not give us the information we need. There is an important principle to remember: garbage in, garbage out. If the information going in is poor, the information coming out will be poor as well. This is why it helps to speak to an accountant or adviser before setting up a digital bookkeeping system. The right setup saves time, reduces errors, and gives us better information. For practical support, you can download our digitisation guide. If you need help with bookkeeping, cloud accounting, or Xero setup, our Xero accounting support can also help. Practical bookkeeping steps to take Record income and expenses regularlyKeep invoices, bills, receipts, and supporting documents organisedReview cash flow before problems build upUse reports to understand profit, costs, and trendsMake sure records support tax, VAT, payroll, and management accountsMove from spreadsheets when they become too manualChoose software that fits the organisationSet the system up properly before relying on the reports Related episodes Bookkeeping: Capturing the Words to Your Business StoryRecording and capturing your numbersCloud Accounting: Embracing the Future of Financial Management Key takeaway Bookkeeping for small business gives us the financial memory we need to run the organisation properly. It supports decisions, cash flow, compliance, funding, and confidence. The tools may have changed, but the purpose has not. Keep reliable records, review them regularly, and use a system that supports your goals. Plan it, Do it, Profit. 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  Most people seek external feedback but avoid self-reflection, hindering their true growth. This episode tells how embracing honest self-audits, rather than relying on assumptions, helps individuals clarify their paths and lead with integrity, transforming potential into inevitable progress.  Chapter Summary:Power of Self-Audit03:59 Accountability and Leadership08:34 Growth Through Reflection10:59 WIN Inner CircleFeatured Quotes:“Truth creates traction.” - Maurice“Professionals who grow don't confuse accountability with the shame.” - Maurice“The most powerful feedback you'll ever receive is the kind you're willing to give yourself.” - MauriceBehind the Story:Maurice shares insights from a recent client conversation where a perceived “bang-up job” lacked real benchmarks. This experience highlights the common reluctance to confront what didn't work and the critical role self-audits play in achieving genuine progress. The episode stresses that accountability, not shame, is the path to objective improvement.

Making Tax Digital quarterly updates are about to become a regular part of tax reporting for many self-employed people and landlords. The key is understanding what HMRC expects, what your software sends, and why these updates are not the same as a tax return. About this episode Making Tax Digital, or MTD, has been talked about for years. Now, for many people, the first quarterly update deadline is becoming a practical reality. In this episode, we explain what Making Tax Digital quarterly updates are, what information is sent to HMRC, why the updates are not tax returns, and how the deadlines work. We also cover nil submissions, tax estimates, calendar update periods, standard update periods, and what happens after the fourth quarterly update. This episode is especially useful if you are self-employed, a landlord, or have a mix of business and property income. It also matters if you want to avoid last-minute stress and build better digital record-keeping habits before the first deadline arrives. What you'll learn in this episode What Making Tax Digital quarterly updates actually areWhy quarterly updates are not tax returnsWhat information your software sends to HMRCWhy HMRC does not receive every receipt, bill, or invoiceWhat to do if you have no income or expenses in a quarterHow the main quarterly update deadlines workWhat happens after you submit an updateWhy good digital records make MTD easier to manage What are Making Tax Digital quarterly updates? Under MTD, compatible software collects information from your digital records and creates a summary every three months. These summaries are called quarterly updates. The update is sent to HMRC using approved software. It gives HMRC summary totals for income and expenses during the reporting period. It does not send every individual receipt, invoice, bill, or document. If you are self-employed, a landlord, or have both business and property income, you may need to send a separate quarterly update for each qualifying source of income. Our episode on Tax and Your Self Employed Business is a useful starting point for understanding wider self-employed tax responsibilities. “Making Tax Digital quarterly updates are not tax returns.” What information is sent to HMRC? Your software sends totals for income and expense categories. These categories broadly follow the same type of structure used under Self Assessment. Think of the quarterly update as a summary, not the full report. HMRC receives an overview of your business or property income and expenses, not every underlying document behind the figures. You do not need to make year-end accounting adjustments before sending each quarterly update. The figures are based on the records captured so far, and later corrections can be reflected in later updates. Do you still need to submit if nothing happened? Yes. If you had no income and no expenses during a period, you still need to send the quarterly update. It will simply be a nil submission. This is one reason consistency matters. MTD is not just about sending figures when the business is active. It is about keeping regular digital records and maintaining the reporting rhythm throughout the year. Why quarterly updates matter The purpose behind Making Tax Digital quarterly updates is to give taxpayers a clearer view of their tax position during the year. Instead of waiting until after the tax year ends, you can see an estimated tax position based on information already submitted. This can help if income is irregular, seasonal, or spread across more than one source. Freelancers, creative businesses, landlords, and self-employed people can all benefit from having a clearer view of what may be building up. Our episode on Stop Waiting for HMRC: Prepare for Making Tax Digital Today explains why business owners should prepare early instead of waiting until the deadline pressure arrives. What happens after you send a quarterly update? After you send an update, you may be able to view an estimated tax calculation through your software or your HMRC online account. HMRC may include other information it holds, such as student loan or postgraduate loan details. However, the estimate is only as good as the information available at that point. If you have other income sources, such as employment income, savings interest, or additional property income, the estimate may not be complete unless those details are included later. Before the final tax return is submitted, those missing details still need to be added. Making Tax Digital quarterly update deadlines Most things in tax come with deadlines, and MTD is no different. For standard update periods, the quarterly updates are cumulative. Each update covers from the start of the tax year to the end of the relevant update period. Standard update periods 6 April to 5 July — deadline 7 August6 April to 5 October — deadline 7 November6 April to 5 January — deadline 7 February6 April to 5 April — deadline 7 May following the end of the tax year Because the updates are cumulative, you are not normally correcting previously filed updates. Adjustments can be reflected in the next quarterly update. Calendar update periods There is also a calendar quarter option using periods ending in June, September, December, and March. The deadlines remain 7 August, 7 November, 7 February, and 7 May. You do not have to wait until the deadline day. You can submit after the update period ends, and in some situations you may be able to submit shortly before the period end if no further transactions are expected. What happens after the fourth quarterly update? The fourth quarterly update is not the end of the process. After the quarterly updates, there is still a final tax return submission. For the 2026 to 2027 tax year, the first quarterly update deadline is 7 August 2026 and the fourth quarterly update deadline is 7 May 2027. The final tax return submission for that year is due by 31 January 2028. That final submission is where other income, claims, reliefs, allowances, and final adjustments need to be dealt with. The quarterly updates help build the picture, but they do not replace the final tax return. Common MTD mistakes to avoid MTD may feel new, but the core habits are familiar: keep records, review figures, use suitable software, and do not leave everything until the last minute. Avoid these mistakes Leaving three months of records until the deadline weekAssuming the software has captured everything correctlyForgetting nil submissionsThinking quarterly updates are final tax returnsIgnoring other income sources until too lateMissing the final tax return after the fourth updateUsing digital tools without reviewing the figures Why good digital records matter Good record keeping makes Making Tax Digital much easier. If income and expenses are captured regularly, quarterly updates become part of the business routine rather than a last-minute scramble. Digital records also help beyond compliance. They can support better cash flow planning, clearer tax estimates, and more confident business decisions. Software matters, but it should still be value for money and suitable for the business. Our episode on Stop the Software Tax: The Hidden Cost of Making Tax Digital looks at the cost side of preparing for MTD. If you need help preparing for MTD, there is a useful Making Tax Digital webinar available. If you need support setting up a digital bookkeeping system, our Xero accounting support can also help. Practical steps to prepare for MTD Check whether MTD applies to your self-employment or property incomeChoose software that works with Making Tax DigitalSet up digital records before the first update deadlineRecord income and expenses consistentlyReview figures before submitting updatesPut the quarterly deadlines into your calendarPlan for the final tax return after the fourth updateGet support early if the software or process feels unclear Related episodes Stop Waiting for HMRC: Prepare for Making Tax Digital TodayStop the Software Tax: The Hidden Cost of Making...

Nat Edwards, Riley Beveridge and Damian Barrett discuss all the latest footy news on AFL Daily. On today's episode: Chris Fagan has changed his tune on Lachie Neale exploring a move Damian Barrett discusses his latest column on Jeremy Cameron and his lingering injury issues Jezza was scathing in his self-assessment of last week’s performance The Suns have made an audacious Daicos play The panel previews the Thursday night blockbuster between Fremantle and Sydney Nat counts down the five best club songs in the league The focus of Wednesday Wisdom is Dwayne Russell's pre commentary nutrition See omnystudio.com/listener for privacy information.

Mark coding with AI--without any experience?  Getting clarity about professional successes worth celebrating and professional opportunities for more fulfillment, balance and satisfaction? Yes to both! Take the Self-Assessment here.  (Adapted from Co-Active Coaching (3rd ed.) © 2011 by Henry Kimsey-House, Karen Kimsey-House and Phillip Sandahl--fourth edition sold here.) Interested in coaching or training on these topics for you or your team? We'd love to hear from you! Email Mike and Mark.

Winter Fuel Payment tax recovery can catch people by surprise. If your income is over the threshold, HMRC may recover the payment through your tax code or Self Assessment, even though the payment itself is tax-free. About this episode The Winter Fuel Payment is designed to help older people with heating costs. However, the recovery rules mean that some people may receive the payment and then have it taken back through the tax system. In this episode, we explain what the Winter Fuel Payment is, who may be affected by the tax recovery rules, how the £35,000 income threshold works, and why the recovery is based on individual income rather than household income. We also look at PAYE tax code changes, Self Assessment reporting, means-tested benefits, Scottish rules, landlord income, and why checking the figures matters before penalties or interest become a problem. What you'll learn in this episode What the Winter Fuel Payment is designed to supportWhen Winter Fuel Payment tax recovery can applyWhy the £35,000 threshold is based on individual incomeHow HMRC may recover the payment through PAYEWhat Self Assessment taxpayers need to checkWhy pension income, savings income, property income, and self-employed income matterWhy some means-tested benefits may protect the paymentHow landlords can be caught by the income calculation What is the Winter Fuel Payment? The Winter Fuel Payment is a tax-free annual government lump sum designed to help older people with heating costs. Mahmood explains that it may be worth between £100 and £300, depending on the person's circumstances. It is generally available to those born on or before 28 June 1960 who live in England, Wales, or Northern Ireland during the qualifying week. If you live in Scotland, you may be able to claim the Pension Age Winter Heating Payment instead. How Winter Fuel Payment tax recovery works Winter Fuel Payment tax recovery applies when personal income is over £35,000. The key point is that the recovery is all or nothing. If the income threshold is exceeded, the full payment may be recovered. This is different from some other income-related tax charges. For example, our episode on the High Income Child Benefit Charge explains a different system where Child Benefit can be clawed back gradually as income rises. “The revenue clawback triggers a total repayment of your Winter benefit, not a partial one, but a full repayment.” The £35,000 income threshold The recovery rules look at individual income. Your partner's income is assessed separately, and household income is not combined for this specific test. This can create situations that feel unfair. One person may lose their payment because their income is over the threshold, while a partner with lower income may keep theirs. What income counts? The income calculation is based on total income rather than adjusted net income. That means items such as Gift Aid donations and workplace pension contributions do not reduce the figure in the same way they can for some other tax calculations. Income may include salary, self-employed income, pension income, property income, savings interest, and other taxable income. This is why it is important to check the full position instead of looking at one income source in isolation. How the threshold compares with other tax rules Mahmood highlights an important point about consistency. The Winter Fuel Payment tax recovery threshold sits at £35,000, while other tax thresholds work differently. For example, higher-rate income tax starts at a higher level, and the High Income Child Benefit Charge begins at a different threshold and is clawed back gradually. With Winter Fuel Payment tax recovery, the clawback is based on the full payment once the threshold is crossed. This is why the rule can feel harsh for people with moderate income, private pensions, savings income, rental income, or other income built up through retirement planning. PAYE recovery through your tax code For many people, HMRC will recover the Winter Fuel Payment through PAYE by changing the tax code. This means the recovery happens through tax deductions rather than through a separate direct repayment. For a typical £200 payment, the monthly effect may be spread across the tax year. Some years may feel more noticeable if HMRC is recovering more than one year at the same time. Self Assessment and Winter Fuel Payment tax recovery The process is different if you file a Self Assessment tax return. In theory, the relevant entry may be pre-populated, but the taxpayer is still responsible for checking the return before submission. If the Winter Fuel Payment recovery is missing and it should apply, it may need to be added manually. Missing it could lead to interest or penalties later. This matters for people with pension income, property income, savings income, self-employed income, or other tax return obligations. For wider planning, our episode on Holistic Tax Planning: A Smarter Way to Manage Your Taxes gives useful context on looking at tax decisions together rather than in isolation. Means-tested benefits and protection Some people may be protected from the recovery rules if they receive relevant means-tested benefits. Pension Credit and Universal Credit are examples mentioned in the episode. This is an important area to check carefully because benefit status can change the outcome. If you are unsure, use the official government checker or speak to a qualified adviser. Why landlords need to be careful Landlords may need to take extra care when checking the income threshold. Rental income rules can be misunderstood, especially where mortgage interest is involved. Mortgage interest is not treated as a simple deduction from rental income in the same way it may appear in ordinary accounts. That means someone may feel their rental profit is modest, while the tax calculation still pushes income over the threshold. This can make the Winter Fuel Payment tax recovery position more complicated for landlords with property income. Opting out of the payment Some people choose to opt out of receiving the Winter Fuel Payment to avoid the administrative burden of HMRC recovering it later. The opt-out rules and deadlines vary by year, so it is important to check the current official guidance before making a decision. If the payment has already been made and recovery applies, HMRC will usually handle the recovery through the tax system. Practical steps to take Check whether your individual income is over £35,000Do not assume your partner's income changes your own threshold positionReview pension income, salary, savings income, property income, and self-employed incomeCheck whether relevant means-tested benefits protect your positionIf you are in PAYE, look out for tax code changesIf you file Self Assessment, check whether the payment has been included correctlyUse the government checker or speak to a qualified adviser if unsureReview opt-out deadlines before the next payment cycle Related episodes High Income Child Benefit Charge: Who Pays and How to Reduce ItHolistic Tax Planning: A Smarter Way to Manage Your TaxesMaximising Your Personal Allowance Key takeaway Winter Fuel Payment tax recovery depends on your own income position. If your income is over £35,000 and you are not protected by relevant rules, HMRC may recover the full payment through PAYE or Self Assessment. Check the threshold, understand what income counts, watch your tax code or tax return, and get support if the rules are unclear. Plan it, Do it, Profit. Share this episode Share this episode: Listen on Apple Podcasts

Judgement Creates Suffering. Self-Assessment Creates Growth. We all make mistakes. But too often, we turn those mistakes into an identity. There’s a world of difference between honestly assessing your behaviour and judging your worth as a person. Self-assessment helps you learn, adapt and improve. Self-judgement creates shame, self-doubt and unnecessary suffering. In this episode of the Building Better Humans Project, Glenn explores why the stories we tell ourselves after failure matter more than the failure itself. You’ll learn how to take responsibility without attacking your character, why shame keeps us stuck, and how shifting your internal dialogue can transform both your personal and professional life. If you’ve ever called yourself lazy, weak, not good enough or a failure after making a mistake, this episode is for you. In this episode, you’ll learn: The critical difference between self-assessment and self-judgement. Why behaviour should never be confused with identity. How shame sabotages growth and confidence. The military’s After Action Review and how you can apply it to your own life. Practical ways to replace self-criticism with constructive accountability. Why your next decision matters more than your last one. Key Takeaways Assess your actions, not your worth. Behaviour is data. Identity is a choice. Mistakes are events—not definitions of who you are. Accountability and self-compassion can exist together. Growth begins when honesty replaces self-criticism. Challenge of the Week Before you go to bed each night, spend five minutes reflecting on your day by asking yourself: What did I do well? What could I have done better? What’s one thing I’ll improve tomorrow? No judgement. No labels. Just honest reflection and a commitment to keep moving forward. Memorable Quote “You’re not defined by your worst decision. You’re defined by what you choose to do next.” Enjoying the Building Better Humans Project? Please subscribe, leave a review and share this episode with someone who needs the reminder that growth comes through honest reflection—not self-condemnation. And if you’re ready to challenge yourself physically, mentally and emotionally, join us on one of our life-changing adventures through Adventure Professionals. Whether it’s the Kokoda Track, Everest Base Camp, Kilimanjaro or the Aussie 10 Peaks, we’d love to help you discover what you’re truly capable of. Keep building a better human. The Building Better Humans Project is brought to you by ADVENTURE PROFESSIONALS. Visit www.adventureprofessionals.com.auADVENTURE WITH GLENN ONLINE MINDSET PROGRAMS 1-ON-1 MENTORINGSee omnystudio.com/listener for privacy information.

In this episode, Mark Morton unpacks HMRC's latest Tax Update 26, exploring proposed changes to self-assessment, ISAs, national insurance, and debt collection. He questions whether these reforms truly simplify the system or add further complexity, while highlighting the real-world impact on taxpayers, businesses, and financial planning.Blog: https://www.mercia-group.com/insights/tax-update-2026-reform-and-changes/For more information on this topic and more, please visit www.mercia-group.com for further details.

The Rebbe writes that feelings of spiritual failure often stem from an impure source. Even if one believes they have not accomplished anything, fulfilling one's obligations is what matters. One positive action outweighs a thousand sighs; continue your efforts with confidence. https://www.torahrecordings.com/rebbe/igroskodesh/012/007/4244

Late registration for self employment can quickly become a cash flow problem. Missing HMRC deadlines may lead to penalties, backdated returns, VAT issues, and unnecessary stress for sole traders and new business owners. About this episode When a business starts, it is easy to focus on websites, branding, customers, bank accounts, and sales. However, basic tax compliance matters from the very beginning. In this episode, we explain what can happen when self-employed businesses fail to register on time. We cover the registration threshold, the 5 October deadline, failure to notify penalties, voluntary disclosure, Making Tax Digital, backdated tax returns, and VAT registration risks. This episode is especially useful for sole traders, side hustlers, freelancers, and new business owners who may not realise that HMRC looks at total sales before expenses, not just profit. What you'll learn in this episode When self-employed registration becomes mandatoryWhy the £1,000 threshold is based on sales, not profitWhy the 5 October deadline mattersHow late registration can affect cash flowWhat failure to notify meansWhy voluntary disclosure can reduce penaltiesHow Making Tax Digital changes compliance habitsWhy VAT registration can create a separate financial risk Why late registration for self employment matters Late registration for self employment is not just a paperwork issue. It can expose a business owner to HMRC penalties, backdated tax returns, interest, and extra pressure on the bank balance. The key point is that HMRC looks at total sales before expenses. If total trading income goes over the relevant threshold, we cannot simply deduct costs, look at the profit, and use that lower figure to avoid registration. If you are starting out as a sole trader, our episode on Tax and Your Self Employed Business is a useful next step for understanding the wider tax position. “Never assume that small revenue numbers mean the tax man will ignore you.” The £1,000 trading income point One of the most important points in this episode is that the registration point is based on sales, not profit. That means we look at total income before deducting business expenses. This matters because a business may have low profit, or even early trading losses, but still need to understand whether Self Assessment registration applies. Why voluntary registration may still help Voluntary registration can sometimes be sensible, especially where the business has early trading losses. Depending on the wider personal tax position, those losses may help when preparing a tax return. The main message is simple: track every transaction from day one. Good bookkeeping helps us understand sales, expenses, profit, tax exposure, and whether registration is needed. The 5 October deadline The key deadline for telling HMRC about new self-employed income is 5 October following the end of the tax year. Missing that date can put the business owner into late registration territory. For example, if someone starts trading in May 2025, the deadline for informing HMRC would be 5 October 2026. Waiting until the tax payment deadline is not the same as registering on time. Failure to notify and HMRC penalties When someone does not tell HMRC about taxable income on time, this can fall under failure to notify rules. Penalties can depend on the tax owed, the length of the delay, and whether the behaviour was careless, deliberate, or corrected voluntarily. Coming forward before HMRC contacts us is usually better than waiting. An unprompted disclosure can help reduce the penalty position and show that we are trying to correct the problem. Practical steps if you have registered late Do not ignore the problemWork out when the business started tradingGather income and expense recordsRegister with HMRC as soon as possiblePrepare any missing tax returnsMake a voluntary disclosure where appropriateSpeak to a qualified adviser if several years are involved Backdated tax returns can become expensive If a business has been trading under the radar for several years, HMRC may expect tax declarations from the date the business started. That can mean backdated tax returns, late filing penalties, interest, and a larger bill than expected. Late filing penalties are separate from failure to notify penalties. This means the costs can build up quickly if the issue is left unresolved. Making Tax Digital and digital records Modern UK tax compliance is becoming more digital. Making Tax Digital increases the importance of proper bookkeeping, regular updates, and reliable accounting systems. Poor records make deadlines harder to manage. If quarterly updates, digital record keeping, or bookkeeping systems are relevant to your business, it is worth getting organised early rather than waiting until HMRC pressure builds. If you need help putting better systems in place, our Xero accounting support can help you improve bookkeeping and digital record keeping. Do not forget VAT registration Self Assessment is not the only registration risk. As a business grows, VAT can become another major compliance area. If taxable turnover passes the VAT registration threshold, the business may need to register for VAT. Late VAT registration can mean backdated VAT on past sales, even where VAT was not charged to customers at the time. That can damage profit margins and cash flow. Our episode on VAT in the UK: How It Works and How to Stay Compliant explains the wider VAT position for businesses. Why ignoring the problem makes it worse Many people do not register late because they set out to avoid tax. Sometimes the issue starts as a mistake, then becomes harder to face as time passes. Fear and anxiety can make the delay even longer. The problem is that waiting rarely improves the position. The sooner we act, the easier it is to organise records, explain the delay, reduce penalties where possible, and rebuild control over the numbers. Practical steps to stay compliant Track all sales from the first day of tradingDo not confuse sales with profitPut the 5 October registration deadline in your calendarKeep digital records where possibleReview whether VAT registration may applyAsk for help before HMRC contacts youDeal with historic errors quickly and honestly Related episodes Tax and Your Self Employed BusinessThe Benefits of Operating as a Sole TraderVAT in the UK: How It Works and How to Stay Compliant Key takeaway Late registration for self employment can create penalties, backdated tax returns, VAT problems, and unnecessary stress. The best approach is to know the registration rules, track income properly, act before HMRC contacts us, and get professional help where needed. Do not ignore registration if you have met the criteria. Get organised, fix the problem early, and protect your bank balance. Plan it, Do it, Profit. Share this episode Share this episode: Listen on Apple Podcasts

There are some great opportunities to take, and mistakes to avoid, when making the move from or to the UK. And the best way to make the most of the move is to chat to an expert in cross-jurisdictional tax to make it easy!In this second part of my conversation with Nicola Goldsmith, we get into the areas that tend to trip people up most. And honestly, this comes up a lot in conversations with clients.There's often a belief that tax residency is something you can manage or “choose,” or that if you're not physically in a country, you've left the tax system behind. As Nicola explains, it's not quite that simple. We step through what really happens when you leave the UK but keep UK assets, how double tax treaties actually work in practice (and why they don't eliminate tax altogether), and the risks that come with business structures and remote working across borders.The key thing to note here is that many of these issues aren't obvious until you're already in the middle of them. And by then, it can be costly to unwind. This is one of those areas where understanding the detail upfront can make a very real difference.Main Topics Discussed in this EpisodeThe Myth of “Choosing” Your Tax Residency: A common misconception is that you can decide where you're tax resident, when in reality, tax authorities have extensive data to determine your position whether you realise it or not.How Tax Authorities Track Your Movements: From flight data to banking activity, Nicola explains how easily tax authorities can cross-reference information across jurisdictions when something doesn't add up.Understanding Double Tax Treaties in Practice: Double tax treaties don't eliminate tax - they determine where tax is paid first and how relief is given, which is often misunderstood by expats.Keeping UK Assets While Living Abroad: Just because you've left the UK doesn't mean your UK income or gains fall outside the UK tax net, particularly when it comes to property and other source-based income.Business Structures, Remote Work & Permanent Establishment Risks: Running a business or working remotely from another country can unintentionally create tax exposure in that new jurisdiction, even for individuals operating through their own company.Book a consult with Nicola Website: www.expattaxes.co.ukLinkedIn: https://www.linkedin.com/in/nicola-goldsmith-tep-cta-b22363149/ *****Use the link below and quote "Expat Taxes" when registering with Currencies Direct to receive a €50 One4All or Amazon voucher when you transfer €5000 or more in your first six months with Currencies Direct.*Click here for a special offer from our sponsor, Currencies Direct******If you loved this episode or have a similar story, we'd love to hear from you! You can get in touch with us directly at info@expattaxes.ie or leave a rating and review on Apple Podcasts or Spotify.Taxbytes for Expats is brought to you by ExpatTaxes.ie. If you're considering moving to or from Ireland and would like support with your taxes, book a consultation today: https://expattaxes.ie/book-a-consult/.*****Chapters:(00:00) Introduction(00:30) Residency Mistakes: Can You Choose Where You're Tax Resident?(01:07) How Tax Authorities Track Your Movements(02:25) The Reality of “Self-Assessment” and Data Cross-Checking(04:01) Global Information Sharing Between Tax Authorities(05:15) Leaving the UK but Keeping UK Assets: What to Know(05:41) How Double Tax Treaties Actually Work(07:31) Why UK Income Often Remains Taxable(09:01) Real Client Scenarios: When Things Go Wrong(10:16) Business Structures & Permanent Establishment Risks(12:49) Remote Work, Employers & Cross-Border Tax Issues(17:26) Why Tax Rules Haven't Caught Up with Modern Working(18:22) What It's Like to Work with Nicola Goldsmith

Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.Shop now at https://www.wearfigs.com/———————————————————————UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club———————————————————————Quarterly tax reporting is coming for self-employed dentists, and the fine print matters more than most people realise. We sit down with Vanessa, a tax partner specialising in the dental sector, and Anita, an MTD Client Services Director, to make Making Tax Digital for Income Tax feel practical rather than intimidating.We talk through what HMRC actually requires: digital records, MTD-compatible software, and quarterly updates submitted one month and seven days after each quarter end. We clarify who is in scope from April 2026, why the £50,000 threshold is gross qualifying income (and why “qualifying” means self-employment and rental income), and how the phased reductions to £30,000 and £20,000 may pull more UK dentists in over time. We also explain the final declaration that replaces the traditional Self Assessment return for the 2026 to 2027 tax year onwards, plus what still gets added at year end.From there, we get tactical. What does a dental associate report when the bank only shows net pay? How do you handle mixed NHS and private income, side income streams, or rental property? We discuss software choices including Xero, Sage and QuickBooks, the pros and cons of bank feeds, why separating business and personal accounts saves stress, and how to avoid messy reconciliations that create problems later. If you want support, we also outline service options from light-touch review to fully managed reporting and quarterly planning.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.Send us Fan Mail

Maurice discusses the uncomfortable but essential nature of feedback, reframing it as a signal for growth rather than criticism. This episode explores how silence can hinder progress, the importance of consistent learning, and why actively seeking honest input is crucial for continuous professional development.In This Episode:00:00 Feedback and Growth01:10 Corporate Feedback Experiences03:42 The Cost of Silence05:54 Supervisor's Impact on Growth07:57 Embrace Honest FeedbackKey Takeaways:Welcome honest input to stay adaptable and positioned for growth.Recognize that silence often means being overlooked, not approval.Understand that feedback signals investment and a belief in your potential for improvement.Expose yourself to truth, even when uncomfortable, for professional development.Identify specific areas for feedback and intentionally invite it in.

In this episode, I sit down with Mark Rampolla, co-founder of Ground Force Capital and the brand behind Zico Coconut Water, to unpack the inner and outer work of leadership. Mark shares how the stories we tell ourselves can quietly shape our decisions and sometimes hold us back. We talk about why self-reflection isn't optional if you want to grow, and how leaders can evolve alongside their organizations. We also get into the practical side of scaling: making smart operational shifts, building teams that truly complement each other, and adapting your leadership style as your company grows. One theme keeps coming up: feedback. Mark explains why embracing it (even when it's uncomfortable) is one of the fastest ways to improve. Along the way, he opens up about his entrepreneurial journey and the lessons that shaped how he leads today, offering actionable insights for anyone navigating growth and building a thriving organization. Episode Highlights & Time Stamps 2:16 The Inner Game of Leadership 7:40 Overcoming Growth Challenges 13:59 Building the Right Team 20:10 Self-Assessment for Leaders 25:43 Finding Your Zone of Genius 27:19 Wrapping Up Insights from Mark About Mark Rampolla Mark Rampolla is a visionary entrepreneur, investor, author, and coach known for helping mission-driven leaders build businesses that matter. As co-founder and managing partner of Ground Force Capital, he works with founders to scale purpose-driven companies while creating meaningful impact. He is best known for founding Zico Coconut Water, helping pioneer the coconut water category, and later selling the company to The Coca-Cola Company. Today, his work centers on helping entrepreneurs redefine success, aligning business growth with personal freedom, purpose, and long-term impact. How to Connect with Mark Rampolla: LinkedIn: Mark Rampolla https://www.linkedin.com/in/marksrampolla/ Company Website: https://www.groundforcecapital.com/ Get In Touch with Mark: https://www.markrampolla.co/ Resources & Next Steps Ready to take your leadership energy to the next level? Explore free training and resources at https://training.coreelevation.com/ to help you identify energy leaks, strengthen your leadership presence, and elevate your team's performance.

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What if divorce wasn't the end… but your biggest opportunity to rebuild your life and relationships the right way? In this episode of Dating Intelligence, host Christopher Louis and guest divorce coach, Kristine Krishnan break down the reality of dating after divorce—what actually works, what holds people back, and how to move forward with clarity, confidence, and emotional maturity. They explore how to rebuild trust, rediscover your identity, and stop carrying old relationship patterns into new connections. From navigating dating apps to balancing healing with putting yourself back out there, this episode gives you the tools to date with intention—not fear. If you're starting over or questioning your approach to dating, this conversation will help you shift from survival mode into power and clarity. ⸻  In This Episode:     •    How to rebuild yourself after divorce     •    Why emotional maturity is the key to better relationships     •    How to stop repeating old patterns in dating     •    The balance between healing and putting yourself back out there     •    How to trust again after being hurt     •    Navigating dating apps with clarity and confidence     •    Why self-reflection changes everything ⸻ Chapters:  00:00 Investing in Relationships: A New Approach 01:15 New Year, New Beginnings: Setting Intentions 02:30 Emotional Maturity and Conscious Connection 03:56 Reinventing Yourself After Divorce 05:24 Navigating Life Post-Divorce 07:15 Overcoming Fear and Embracing Change 09:10 The Weight of Baggage: Moving Forward 10:38 Self-Reflection: The Key to Healing 11:53 The Role of Coaching in Divorce Recovery 13:12 January: The Month of Divorce 14:08 Moving Forward: Tips for Life After Divorce 15:06 Taking Time for Self-Assessment 17:03 Healing vs. Dating: Finding Balance 19:12 The Importance of Journaling 20:38 Gratitude and Growth: A Positive Outlook 22:32 Rediscovering Your Identity 23:20 The Challenge of Being Alone 24:14 Understanding Values in Relationships 25:34 The Unique Challenges for Women Post-Divorce 27:00 Men's Perspective: The Struggles After Divorce 28:21 The Importance of Support Systems 29:38 Navigating the Dating Scene After Divorce 30:59 The Role of Dating Apps in Modern Relationships 32:22 Accountability in Relationships 34:18 Trusting Again: From Guarded to Grounded 36:38 Healing vs. Hiding: Emotional Availability 39:49 Adapting to Online Dating 42:35 Authenticity vs. Perfection in Dating 44:28 Building Trust in New Relationships 46:11 The Importance of Communication 49:12 Creating Safe Spaces for Vulnerability 51:31 Truth or Honesty: A Game for Connection 54:45 Final Thoughts: Moving Forward with Intention ⸻ Kristine Krishnan  webpage - https://www.coachkristine.com/ ⸻ Christopher Louis- https://www.instagram.com/fetchsport?igsh=NTc4MTIwNjQ2YQ%3D%3D&utm_source=qr Natalie Stavola- https://www.instagram.com/nataliestavola?igsh=NTc4MTIwNjQ2YQ== Dating Intelligence- https://dating-intelligence.com YouTube- https://youtube.com/@DatingIntelligencethePodcast?si=Fr2amnYP8nqd4h2x ⸻ Sponsor: Mentality: https://www.datingmentality.com/

How do you move from playing it safe to truly amplifying your impact? In this week's energetic episode, I welcome back Dianna Fioravanti, President of Kuhne + Nagel Canada and bestselling author of "Flip the Switch," for a candid exploration of what it takes to silence self-doubt and step into authentic leadership.Dianna draws on her own setbacks and triumphs, revealing how even high performers can get stuck in fear or overthinking. Our conversation unveils her 6P model (person, purpose, passion, playbook, perseverance, partnership) as a roadmap for overcoming hesitation and achieving lasting transformation—not by becoming someone else, but by becoming more fully yourself. The stories and questions are deeply practical, designed to help listeners stop waiting for permission and start owning their voice.If you're looking for tools to foster self-trust, design a meaningful legacy, and build resilience, this conversation is a must-listen. Discover how to flip your own internal switch and how to help those around you do the same.What You'll Learn- Start with self-leadership.- Discover your purpose and passion — Learn the difference between what gives you direction and what fuels your energy.- Create your playbook to move from insight to consistent action, especially when life gets tough.- Cultivate perseverance so you can bounce back and keep moving forward.- Give yourself (and others) permission to move- Build partnerships and your “inner cabinet”—trusted allies who support, push, and celebrate you along the way.Podcast Timestamps(00:00) – What Does It Mean to Flip the Switch?(06:45) – Overcoming Inner Barriers(09:08) - The R.E.A.L. Model of Leadership(12:17) – The 6P Model(14:24) - Distinguishing Passion and Purpose(17:21) - The Role of Core Values in Self-Leadership(21:31) - Sustaining Passion and Rebounding from Setbacks(24:30) - The Importance of a Personal Playbook(29:29) - Giving Yourself Permission and Owning Your Voice(36:40) - Self-Assessment and Identifying Your Switches(41:19) - Building Partnerships and Your Inner Cabinet(44:52) - One Switch Listeners Can Flip TodayKEYWORDSPositive Leadership, Self-Leadership, Courage, Purpose, Organizational Culture, People-First Leadership, Personal Growth, Overcoming Fear, Avoiding Overthinking, Dealing with Perfectionism, Sustained Motivation, The Power of a Playbook, Core Values, Introspection, Passion, Resilience, Empathy, Authenticity, Legacy, Psychological Safety, Vulnerability, Partnership, CEO Success

As business owners, it is easy to constantly assess ourselves. Am I doing enough? Should this be working by now? In this episode, I explain how constant self assessment can undermine confidence.I talk about the difference between reflection and self judgement, and why over analysing every step creates pressure rather than clarity. This episode is for tutors and education business owners who want more confidence, clearer thinking and healthier business growth.Enjoy :-)Sumantha____________________

Making Tax Digital (MTD) is one of the biggest changes to the UK tax system in decades, and it will significantly impact self-employed business owners and landlords who own residential property in their personal name. If you currently submit a Self-Assessment tax return once a year, these new rules will change how and when you report income to HM Revenue & Customs (HMRC). Starting 6 April 2026, under the new Making Tax Digital for Income Tax (MTD for IT) rules, millions of UK taxpayers must keep digital records and submit quarterly updates using approved accounting software apps listed on the HMRC website. This affects self-employed individuals and landlords earning above the income threshold from trading or property. Instead of one annual tax return, you'll submit five - four quarterly updates plus a final declaration each year. This means accurate record-keeping, more frequent reporting, and potentially higher accounting and software costs for small business owners and property investors. For many landlords with residential property in their own name, especially those managing multiple rental properties, adopting digital bookkeeping software will be essential. This means switching from spreadsheets or paper records to compliant cloud accounting platforms. HMRC say the aim of MTD is to reduce errors and modernise the UK tax system, but it also means more red tape, admin and planning for millions taxpayers. Self-employed workers and landlords should start preparing early to avoid penalties and stay compliant when the rules fully apply. Landlords already hit by Section 24 tax changes and the Renters Rights Act should seek professional advice and avoid ignoring the changes which are coming next month. Making Tax Digital Contact DNS - https://www.dnsassociates.co.uk 3 Steps To Success Money Management! I want to take you to the next level, help you get control of your money, learn how to invest and become financially free.  Join me online on my free live money management training Wednesday at 7.00PM.  Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Landlords Dragged Into Section 24 TAX As 7 million people set to pay higher rate, 40%, tax this year, 16,000 millionaires will leave the UK this year under Rachel Reeves tax policies.  Watch video - https://youtu.be/zH1p2uXz4C8 More landlords are being sucked into higher tax bands and paying more tax due to George Osborne's ‘Section 24' tax hike. If you are a buy-to-let property landlord and help with Section 24, contact: Charles@charleskelly.net #tax #section24 #landlordtax #higherratetax #MoneyTipsPodcast #MakingTaxDigital #UKLandlords #SelfEmployedUK #PropertyInvesting

The Basics of Self Assessment With Christian Spence In this episode, Christian shares the very basics of getting your accounts sorted. She shares some really simple tips to take away the fear of HMRC and preparing your accounts for your self assessment. I chat with her about the difference it can make when you're on top of your figures throughout the year. Worth a listen to if you're worried about submitting a tax return or unsure of how to manage your accounts. NOTE: We talk about self assessment and tax returns in the United Kingdom. The tax rules, regulations and information in this episode solely relate to the UK tax system and may differ in other countries.  Connect with Christian via: Facebook: https://www.facebook.com/christian.j.spence    If you liked this episode, please share with your teams. And give this podcast a follow, a rating and a review. It helps me help more people.   Grab yourself a copy of my free download, 100 Ways to Grow Your Customer Base here https://annagreen.kartra.com/page/web-100ways   And get 104 Post Ideas to Attract Your Ideal Teamie free here https://annagreen.kartra.com/page/104-post-ideas   Find me on socials here: Facebook www.facebook.com/annagreenmentor My Facebook Community www.facebook.com/groups/directsellingsuccesscommunity Instagram www.instagram.com/directsellingsuccess TikTok www.tiktok.com/@directsellingsuccess  

If you're a UK beginner and you're not sure where to start investing in 2026, Pete and Roger talk you through a calm, step-by-step investing order to follow. They cover when to build a buffer, tackle expensive debt and use employer pension matching, plus how to choose between a Stocks and Shares ISA and a pension. You'll also hear the key beginner mistakes to avoid so you can invest with confidence and stay the course. Shownotes: https://meaningfulmoney.tv/QA43  02:00  Question 1 Hi Pete and Roger I'm late to investing but thanks to your informative and entertaining podcasts and books - I feel on track to at least a decent retirement. I'm on a £60K salary and currently manage to contribute around £25K annually via salary sacrifice - which keeps me happily and comfortably within the 20% Income Tax bracket. However, with the Salary Sacrifice Cap coming in April 2029, I will end up in the higher-rate tax bracket. I was thinking about using my employer's Car Benefit Salary Sacrifice Scheme to help bring down my taxable income – whilst still maintaining the maximum salary sacrifice and utilising Relief at Source my AVC. I'm fully aware of the saying "don't let the tax tail wag the investment dog" but I was planning on getting a car in 2029 – when my mortgage is completed – so this might be a good alignment. My question's are: Can you confirm whether the Salary Sacrifice Cap applies to pensions only — and does using the car salary sacrifice scheme seem like a sensible idea in this context? Is there anyway that paying into my AVC via Relief at Source and claiming the higher-rate relief via Self-Assessment would result in HMRC issuing me a new tax code for the following tax year. Keep up the good work – and all the best to you and your families for the festive season. Thanks, Cris 06:43  Question 2 Hi, I recently came across your podcast and have not stopped listening to all the older episodes, and look forward to the new ones each week. Keep up the great work! I'm a 53 year old business owner looking to exit my business within the next 3 years via a sale and hope to receive around £1.5 - £1.8m from my share of the proceeds after tax. My wife is 8 yrs younger than me and will probably still be working doing some consultancy work. She has her own pension and savings in ISA's (currently a combined pot of around £250k which will hopefully grow over the next 10+ years) but we wouldn't need to access that till much later as required. My 2 questions are: 1. What would be the best way to invest the lump sum from the sale of my business to provide an income to support my retirement without having to necessarily eat into the capital or touch too much of my savings / pension early on as it will need to provide for my wife and I for quite a few years if we retire / semi retire in our mid 50's. Having looked at our living costs we would need around £60k p.a - albeit to live comfortably. Any holidays / large purchases etc could be funded through savings. 2. How would you prioritise what pot of funds you use first to make it the most tax efficient, enable growth and ensure that the pots do not run out. Given the new IHT rules on pensions is it now wise to use those first including the 25% tax free lump sum or use the ISA's / savings first leaving the pensions to continue growing in their tax wrapper. Thanks, Jeremy Meaningful Academy Retirement Planning: https://meaningfulacademy.com/retirementplanning  14:53  Question 3 Hello Peter and Roger You answered a previous question for me on the podcast so thank you for that, and I hope you don't mind me asking another one! We're in the very fortunate position of being able to pay the full £60,000 annual allowance into my pension scheme this tax year and are considering making additional contributions using unused allowance from previous years.  I understand that the total contribution we could make would still be limited by my annual salary this tax year - my question relates to how that is defined. The contributions are made using a combination of salary sacrifice into my work scheme and lump sum contributions to my SIPP which is separate from the work scheme.  So, would my "salary" that would be the limit for total contributions be the salary before salary sacrifice or after?  And is the "salary" further reduced by the contributions to the SIPP, as I believe my adjusted net income for calculating tax bands is? Perhaps some hypothetical numbers would help.  Let's say my gross salary before salary sacrifice is £125,000 and I salary sacrifice £25,000, and my employers' contribution is £5,000.  Let's say I also pay £24,000 by bank transfer into my SIPP, so I'd receive £6,000 of tax relief into the SIPP.  If I've understood it correctly, my adjusted net income for tax purposes would be £70,000 (which is £100,00 salary after salary sacrifice minus £30,000 gross contribution to SIPP).  In total, £60,000 has been paid into my pensions which is the full annual allowance for this year. If I had £120,000 of unused pension allowance from the previous three tax years, what is the maximum additional amount I could pay into my SIPP this tax year?  Is it £65,000 gross (so £52,000 net), to bring the total paid into my pensions up to £125,000, my pre-sacrifice salary?  Or £40,000 gross (so £32,000 net), to bring the total paid into my pensions up to £100,000, my post-sacrifice salary?  Or some other amount, if the salary that counts for this year is limited to the adjusted net income? Thanks so much for your help - I know it's a bit technical but I can't seem to find the answer anywhere! All the best, Fran   19:33 Question 4 Dear Pete and Roger, I've been listening to the podcast for years now, and it always makes my Wednesday commute more enjoyable. Every time I hear your names together, I think of The Who, so thanks for all you do, helping people of My Generation become Finance Wizards and make smarter decisions so we don't get Fooled Again. I'm 34, and after working in the small charity sector since university, I've accepted a role in a larger organisation which comes with a significant pay increase, taking my income over the Higher Rate threshold. As I step into this new tax band, what reliefs, allowances, or financial planning considerations should I be thinking about? In particular, I'm aware there are some reliefs (particularly for Gift Aid donations and pension contributions) that I will be able to claim through self assessment; do they 'compete' with each other in any way, or can I claim the full relief on both? Thanks for all you do, Tim   23:40  Question 5 Pete & Roger Great podcast - don't ever retire! I've just started receiving my state pension (now you know how old I am) but I was wondering how I can check that the government are paying me the correct amount. I have more than a full set of NI class 1 contributions but I've also had some years contracted out and some years working abroad in a country with a reciprocal arrangement with the UK (which I've claimed for). The government just sent me a statement telling me how much I would get paid without any detail behind it. How can I check that they have made the correct deductions for contracting out and the correct additions for my time abroad? Call me cynical but I don't always trust the government to get these calculations right. Many thanks, Glen   26:58  Question 6 Hi,  great show by the way, very informative, it has certainly helped me and I'm sure is great help to many others. My wife Michelle is planning to retire at the end of March, age 58.5.  She is self employed, a relatively low earner and finds the work tiring now. I myself am 56 soon and likely to work another 2 year (max), I am luckily enough to receive a decent salary and have above average pension provision. Michelle has the following pension savings -  £143k in bank savings (not isa), £130k S&S ISA, £118k SIPP - all combined £391k. I realise markets are high at the moment. Plan to use 4% rule and reduce when State Pension kicks in (have full NI Contributions). So assuming want £15k pa (and rise annually with inflation), my query (that many others may have) is it best to use the cash or the ISA or the SIPP first or mix it up?  Michelle is very unlikely to have to pay income tax, until State Pension triggers at 67. Any advice much appreciated, Jason  

My Art Business Assessment — Used with Every Client 50% In this solo episode of The Art Biz, host Alyson Stanfield introduces the 3-zone framework she uses with every private client to assess where an art business actually stands. It's the same structure at the heart of the Art Business Reset workshop, and this episode is your chance to walk through it on your own. Alyson covers: The question she asks before any strategy conversation The 3 zones that account for everything you do to build your art business outside of making the work: Outreach, Presence, and Systems The breakdown of what each zone covers and questions to ask for your assessment Why you can't neglect in-person networking and follow-up Mentioned Do You Have the Art Business You Actually Want? (259) Stop Being Busy, Start Being Strategic (258) Art Business Reset on March 31, 2026 Read more, get mentioned resources, and see featured artists Email Alyson to discuss strategic consulting for your long-term career goals. Think you'd make a good guest on The Art Biz? Read This The Art Biz is recorded on the traditional land of the Cheyenne, Arapaho and Ute tribes.

Junaid Shaikh: How Scrum Masters Can Measure Their Own Impact, Practical Self-Assessment Metrics Junaid's favorite retrospective format? The vanilla: what went well, what could have gone better, what to do better next. He's tried many formats — the Three L's (liked, learned, lacked), the Three Little Pigs, the sailboat — but the core principle is always the same. His practical advice: stick with a consistent format so the team gets better at the process itself rather than constantly adjusting to new concepts. One addition he insists on for any format: an appreciation component. In the rush to analyze processes and outcomes, teams often skip acknowledging how another team member, PO, or Scrum Master helped during the sprint. That appreciation builds trust, respect, and openness that feeds into subsequent sprints. On defining success as a Scrum Master, Junaid starts with a Peter Drucker quote: "You cannot improve something you cannot measure." He proposes several practical self-assessment metrics: First, the Agile Team Maturity Index — a spider graph that shows where the team stands across multiple criteria, making gaps visible and actionable. Second, track retrospective action items. Create tiger teams for specific issues, run small iterative experiments, and measure in the next retrospective whether the trend is improving. Third, watch for shared sprint goals. Junaid once saw a team with nine sprint goals for a two-week sprint — those weren't goals, they were individual tasks. A real sprint goal should be something multiple team members work together to achieve. Fourth, self-organizing teams. If the team falls apart when the Scrum Master is absent for a sprint, there's a problem. Coach teams to self-organize, and their ability to function independently becomes a success metric. Fifth, communication patterns. Too many emails flying around can signal hidden conflicts or trust barriers. If communication happens through the right channels — dailies, direct interactions — you're likely in good shape. Sixth, Scrum event health. If events get canceled too frequently, the team may be reverting to traditional ways of working. [The Scrum Master Toolbox Podcast Recommends]

Episode Summary: From Vision to Execution – Red Flags & Self-Assessment (Part 2)Hosts: Scott Landis & Jeff JacobSponsored by: Business Freedom Advisors In Part 2 of our Vision and Strategic Thinking series, Scott and Jeff move from philosophy to practice. If Mission is your why, Vision is your preferred future, and Strategy is the bridge that gets you there — how do you know if they're actually working? In this episode, we unpack the red flags that signal unclear or unhealthy vision, including: When your team can't clearly articulate where the company is headed When every quarter feels like a reset instead of a continuation When big long-term dreams aren't translated into focused 90-day action When your calendar is packed with operations but leaves no room for strategic thinking Scott and Jeff explore how founders drift into operational overload, why your calendar reveals your real priorities, and how clarity creates powerful decision filters. They also walk you through a simple 1–10 Executive Performance self-assessment covering: Future picture clarity (90 days, 1 year, 3 years) Protected strategic thinking time Decision alignment with mission and long-term direction If you score low in any area, that's not failure — it's a scaling constraint waiting to be strengthened. Inside the TriMetric framework, Vision and Strategic Thinking sit at the foundation of Executive Performance. When clarity is weak, the organization feels it long before the numbers reflect it. The founder's first job isn't activity. It's clarity. To take the full TriMetric Executive Performance Assessment, visit:www.TriMetricQuiz.com

For more thoughts, clips, and updates, follow Avetis Antaplyan on Instagram: ⁠⁠⁠⁠https://www.instagram.com/avetisantaplyan⁠⁠⁠In this episode of The Tech Leader's Playbook, Avetis Antaplyan delivers a powerful solo deep-dive into one of the most misunderstood concepts in modern leadership: servant leadership. Drawing from personal experience, organizational patterns, and hard-earned lessons, Avetis breaks down why servant leadership is not softness, appeasement, or conflict avoidance. Instead, he argues, real servant leadership demands courage, accountability, and an unwavering commitment to helping people reach excellence even when it requires uncomfortable conversations.Throughout the episode, Avetis contrasts servant leadership with authoritative leadership, clarifying why authority is not about ego or control but about clarity, ownership, and decision-making. He explains how appeasement quietly erodes standards, frustrates high performers, and ultimately harms the very people leaders believe they're protecting. Using relatable examples from workplace dynamics to parenting to team performance he illustrates how delayed feedback, avoided conflict, and diluted expectations damage careers and undermine culture.Listeners will walk away with a clearer understanding of what true service looks like in leadership, how to course-correct if they've fallen into appeasement, and the self-reflective questions every leader should be asking. A must-listen for anyone serious about leading with honesty, courage, and long-term impact.TakeawaysServant leadership is not softness it requires courage, standards, and accountability.Appeasement disguises itself as kindness but ultimately weakens teams and leaders.Great leaders challenge people directly because they care, not despite it.Avoiding tough conversations delays the truth and harms long-term performance.Accountability is a form of respect; letting people off the hook is not.Authority is not about control it equals clarity, ownership, and decisive action.High performers become frustrated when leaders tolerate underperformance in others.Appeasement normalizes mediocrity and lowers the performance bar for the entire team.Early, honest feedback prevents skill gaps from widening into career-limiting issues.Leaders must choose between being liked and being trusted the two are not the same.Resetting a culture requires public acknowledgment, clear standards, and consistent feedback.True servant leadership is uncomfortable, demanding, and essential for building organizations that last.Chapters00:00 Introduction: The Misconceptions of Servant Leadership01:20 Why Softness Isn't Leadership02:40 Appeasement vs. Accountability04:10 Leadership Confusion in Modern Workplaces05:45 Radical Candor and Challenging with Care07:20 What Servant Leadership Actually Is09:00 Authority: Why It Matters and What It Really Means11:00 The Hidden Dangers of Appeasement13:00 How Underperformance Becomes Normalized14:45 Career Damage Caused by Avoidance16:20 Self-Assessment for Leaders: Tough Questions17:40 How to Reset Standards and Rebuild Culture18:45 Closing Thoughts: Courage, Clarity, and Long-Term LeadershipResources and Links:⁠⁠⁠⁠https://www.hireclout.com⁠⁠⁠⁠⁠⁠⁠⁠https://www.podcast.hireclout.com⁠⁠⁠⁠⁠⁠⁠⁠https://www.linkedin.com/in/hirefasthireright⁠

Romans 12:3-8 ESV3 For by the grace given to me I say to everyone among you not to think of himself more highly than he ought to think, but to think with sober judgment, each according to the measure of faith that God has assigned. 4 For as in one body we have many members, and the members do not all have the same function, 5 so we, though many, are one body in Christ, and individually members one of another. 6 Having gifts that differ according to the grace given to us, let us use them: if prophecy, in proportion to our faith; 7 if service, in our serving; the one who teaches, in his teaching; 8 the one who exhorts, in his exhortation; the one who contributes, in generosity; the one who leads, with zeal; the one who does acts of mercy, with cheerfulness. • • •1. Right thinking about self. • • •Romans 12:3 ESV3 For by the grace given to me I say to everyone among you not to think of himself more highly than he ought to think, but to think with sober judgment, each according to the measure of faith that God has assigned. • • •2 Corinthians 5:17 ESV17 Therefore, if anyone is in Christ, he is a new creation. The old has passed away; behold, the new has come. • • •2. Right thinking about others. • • •Romans 12:4-5 ESV4 For as in one body we have many members, and the members do not all have the same function, 5 so we, though many, are one body in Christ, and individually members one of another. • • •1 Corinthians 12:17-21 ESV17 If the whole body were an eye, where would be the sense of hearing? If the whole body were an ear, where would be the sense of smell? 18 But as it is, God arranged the members in the body, each one of them, as he chose. 19 If all were a single member, where would the body be? 20 As it is, there are many parts, yet one body. 21 The eye cannot say to the hand, “I have no need of you,” nor again the head to the feet, “I have no need of you.” • • •3. Right thinking about our gifts. • • •Romans 12:6-8 ESV6 Having gifts that differ according to the grace given to us, let us use them: if prophecy, in proportion to our faith; 7 if service, in our serving; the one who teaches, in his teaching; 8 the one who exhorts, in his exhortation; the one who contributes, in generosity; the one who leads, with zeal; the one who does acts of mercy, with cheerfulness. • • •Romans 12:1 ESV1 I appeal to you therefore, brothers, by the mercies of God, to present your bodies as a living sacrifice, holy and acceptable to God, which is your spiritual worship. • • •Application:Our true identity in Christ is best understood through an honest self-assessment.

In this episode of the Living Well podcast, Olivia Hill discusses the significance of habits and systems over motivation. She emphasizes that a lack of discipline often stems from the absence of effective systems. Olivia introduces three key strategies for building habits: lowering the bar, habit stacking, and tracking wins. By implementing these strategies, individuals can reduce decision fatigue, maintain momentum, and achieve long-term success in their personal development journey.

In this episode of the Living Well podcast, Olivia Hill discusses the importance of mindset in personal growth and health journeys. She emphasizes that individuals are not the problem, but rather their mindset and perceptions. The conversation covers how to reframe setbacks as valuable information, the significance of focusing on progress over perfection, and the necessity of building self-trust. Olivia also shares biblical insights on transforming one's mindset and hints at the next episode's focus on recovery.

Why do so many entrepreneurs feel stuck with their websites? What if your website was simple and stress-free?In this episode of The Business Ownership Podcast I interviewed Lori Osborne. Lori Osborne is a speaker, best-selling author, and the Founder and Chief Solution Architect for BizBolster Web Solutions. She specializes in transforming the digital presence for Thought Leaders through FRESH websites. These websites are Fast, Reliable, Easy-to-manage, SEO-ready, and Human-connecting. Through modern, on-brand sites her clients LOVE (because that's her guarantee) and through amazing SEO and Accessibility tools, Thought Leader clients are found online; can build know, like, and trust through their website; and are more likely to convert prospects to NEW clients!Lori has over 30 years of experience in small business and technology and has been a small business owner for over 15 years so she understands the challenges small business owners face. She is married to the love of her life, and they live near Amelia Island in Florida with their two adorable fur babies.Your website should support your business, not stress you out. Learn how to build a website that works for you.Check this out!Show Links: Free Gift: https://www.bizbolster.com/vip-free-giftLori Osborne on LinkedIn: ✨ Lori Osborne | LinkedIn5-minute Self Assessment: 5 Ways to Know If Your Brand Is Helping or Hurting Your BusinessBook a call with Michelle: https://go.appointmentcore.com/book/IcFD4cGJoin our Facebook group for business owners to get help or help other business owners!The Business Ownership Group - Secrets to Scaling: https://www.facebook.com/groups/businessownershipsecretstoscalingLooking to scale your business? Get free gifts here to help you on your way: https://www.awarenessstrategies.com/

This week on The Tax Factor, Robert Salter and Sarah Stenton begin with a roundup of the Top 3 tax stories making headlines which includes a key government U-turn… Sarah and Robert begin by sharing timely insights on Self-Assessment tax returns, including HMRC receiving a big pay day, common pitfalls and practical tips as deadlines approach. Robert then provides insight into Advanced Tax Certification Rulings, explaining how they work, when they’re useful, and why certainty from HMRC continues to be so valuable. The episode also investigates the Boulting v HMRC tax case, analysing the key issues and what it could mean for future disputes, before rounding off with a look at Scottish tax and how devolved rules continue to evolve. Informative and accessible.See omnystudio.com/listener for privacy information.

Data is shaping how we understand health, politics, work, and everyday life, but without context, it can mislead more than it informs. In this episode,, Kara Duffy speaks with Andrea Jones-Rooy, data scientist, former professor, comedian, and host of Behind the Data Podcast, about how to think critically about statistics, misinformation, and measurement in today's information-saturated world. Andrea explains why data doesn't speak for itself, how charts and trends can be manipulated without context, and why critical thinking and data literacy are essential skills for modern leaders. The conversation also explores career identity, fractional paths, creative work, and why being multi-hyphenate can lead to more fulfillment, better problem-solving, and stronger decision-making in both business and life. Chapters 00:00 Introduction and Personal Updates 02:55 The Power of Data Science 05:55 Measuring What Matters 08:59 The Importance of Context in Data 12:05 Personal Experiences with Data and Measurement 15:03 Navigating Misinformation in Data 18:09 The Journey to Embracing Data Science 20:55 The Role of Data in Decision Making 24:09 Challenges in Trusting Data 27:01 Conclusion and Final Thoughts 30:50 The Intersection of Comedy and Academia 34:49 The Dichotomy of Seriousness and Fun 38:10 The Privilege of Being Multifaceted 42:03 Redefining Work-Life Balance 44:39 The Impact of Personal Fulfillment 46:11 Understanding the Us vs. Them Mentality 47:24 Influences of Powerful Women 49:20 Defining Power and Femininity 51:19 Self-Assessment of Power 52:39 Manifesting Creative Projects The Powerful Ladies podcast, hosted by business coach and strategist Kara Duffy features candid conversations with entrepreneurs, creatives, athletes, chefs, writers, scientists, and more. Every Wednesday, new episodes explore what it means to lead with purpose, create with intention, and define success on your own terms. Whether you're growing a business, changing careers, or asking bigger questions, these stories remind you: you're not alone, and you're more powerful than you think. Explore more at thepowerfulladies.com and karaduffy.com. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Send us a textMastering Financial Clarity with The Three Bucket System (Plus One!)In this episode of The Retire Early Retire Now podcast, host Hunter Kelly, a certified financial planner and founder of Palm Valley Wealth Management, discusses the importance of having a clear financial purpose and introduces a framework called the 'Three Bucket System' with an additional bonus 'Legacy Bucket.' Hunter explains how to categorize your money into spending, flexibility, and freedom (retirement) buckets, and adds a fourth bucket for legacy. The episode covers the roles and purposes of each bucket, common mistakes high-income earners make, and how to balance and fund these buckets to achieve financial clarity, confidence, and calm. Listeners are encouraged to focus on the purpose of their money rather than just the tax treatment of their accounts. Hunter also provides a self-assessment exercise to help listeners evaluate their current bucket allocations. The episode emphasizes the importance of aligning financial decisions with personal goals and values.00:00 Welcome to The Retire Early Retire Now Podcast00:33 Understanding Financial Stress and Purpose01:55 Introducing the Three Bucket System05:09 Bucket One: Spending and Cash Flow07:47 Bucket Two: Flexibility and Options10:32 Bucket Three: Long-Term Freedom12:42 Bonus Bucket: Legacy Planning14:50 Integrating the Buckets for Financial Balance17:16 Self-Assessment and Final Thoughts19:56 Conclusion and Call to ActionCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

In this episode of the Living Well podcast, host Liv Hill engages with Ryan Franklin, an assistant pastor and leadership coach, to explore the themes of leadership, personal growth, and overcoming challenges. They discuss the importance of community support, the journey of leadership development, and the transformative power of seeking help when facing burnout. Ryan shares his personal experiences and insights, emphasizing that leadership is about influence and that everyone has the potential to lead in their own capacity. The conversation also introduces the Christian Leader Blueprint, a structured model for personal growth and effective leadership. In this conversation, Ryan Franklin emphasizes the importance of self-assessment for personal and leadership growth. He discusses how identifying strengths and weaknesses can help individuals focus on areas that limit their influence. The conversation highlights the value of community support, continuous learning, and the integration of faith into leadership practices. Ryan also shares insights on the significance of investing in personal growth and the role of accountability in achieving goals.

In this episode, you're taking a real-time boundaries self-assessment right along with us. We walk through a porous, rigid, and healthy boundaries quiz, you'll hear each question, the A, B, C options, and how to score what type of boundaries show up most in your life, so you can spot patterns fast and get honest about where you're leaking energy or walling people out. Expect blunt, practical conversation about why “boundaries” are rarely one size fits all, and how context matters, especially with your spouse, friends, work, and authority dynamics. You'll hear examples tied to saying no, overexplaining, work stress, social media habits, loaning money, oversharing, asking for help, and taking “no” personally, plus some pushback on black and white quizzes and the gray areas they miss. Disclaimer: We are not professionals. This podcast is opinioned based and from life experience. This is for entertainment purposes only. Opinions helped by our guests may not reflect our own. But we love a good conversation.Become a supporter of this podcast: https://www.spreaker.com/podcast/2-be-better--5828421/support.

In this episode, I'm sharing how to track your multiple sclerosis (MS) symptoms at home using two research-backed self-assessment questionnaires: the Modified Fatigue Impact Scale (MFIS) and the Multiple Sclerosis Walking Scale-12 (MSWS-12). As a physical therapist specializing in MS, I'll walk you through how these gold-standard MS outcome measures can help you assess your progress with exercise, nutrition, or any wellness routine. You'll learn the difference between subjective and objective MS tests, why tracking your symptoms matters, and how regular self-assessment can boost your confidence and guide smarter treatment decisions. Resources mentioned in the episode: The MSing Link App - Google Play || Apple App Store Additional Resources: https://www.doctorgretchenhawley.com/insider Reach out to Me: hello@doctorgretchenhawley.com Website: www.MSingLink.com Social: ★ Facebook: https://www.facebook.com/groups/mswellness ★ Instagram: https://www.instagram.com/doctor.gretchen ★ YouTube: https://www.youtube.com/c/doctorgretchenhawley?sub_confirmation=1 → Game Changers Course: https://www.doctorgretchenhawley.com/GameChangersCourse → Total Core Program: https://www.doctorgretchenhawley.com/TotalCoreProgram → The MSing Link: https://www.doctorgretchenhawley.com/TheMSingLink

The Tax Factor returns for its first episode of 2026, with Paul Noble and Neil Insull kicking off the year by discussing some of the most significant tax developments already shaping the months ahead. They begin with the recent Inheritance Tax U-turn on Business Property Relief (BPR) and Agricultural Property Relief (APR), explaining what’s changed and why it matters for long-term planning. The discussion then moves to key rulings and policy updates, including the Hotel La Tour VAT case and the latest announcements from the Scottish Budget. Paul and Neil break down the practical implications, explaining what these developments could mean for businesses and individuals alike. To round of the episode, they issue a timely warning on the rise of Self-Assessment scams as the tax return season gets underway.See omnystudio.com/listener for privacy information.

Hobbies that make your life better!Sam 2.0 in 2026! His update on his new years goal. Self assessment time at work? Murphy had advice on how to do it.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

What if love wasn't just chemistry or chance but something you could actually measure? In this episode of The Greatness Machine, Darius Mirshahzadeh sits down with author and data analyst Zoey Charif to explore how love, attraction, and long term compatibility can be understood through data, self awareness, and values. Zoey shares the story behind her book “Love Can, in Fact, Be Calculated” and explains how she developed a values based framework to predict relationship success. She breaks down the concept of a “self score,” why admiration matters more than equality, and how misalignment in values quietly erodes relationships over time. Darius and Zoey also unpack the difference between values and trait preferences, why people are often drawn to familiar but destructive patterns, and how this framework can be used as a communication tool rather than a reason to walk away. In this episode, Darius and Zoey will discuss: (00:00) Introduction and Name Origins (02:46) Astrology and Self-Acceptance (05:49) Zoe's Journey to Understanding Love (08:40) The Concept of Calculating Love (14:09) Self-Assessment and Core Values (16:55) The Importance of Self-Score in Relationships (22:44) Navigating Aspirational Values (25:34) Generational Perspectives on Relationships (26:09) Generational Insights on Relationships (28:26) The Importance of Dependability and Reliability (31:02) Understanding Traits vs. Values in Relationships (34:27) The Challenge of Rewiring Attraction (37:47) Self-Awareness in Relationship Patterns (43:40) The Role of Humor in Attraction (49:19) Navigating Emotional Needs and Values Zoey Charif is the President of Business Plans USA, where she leads a team creating business plans, financial models, pitch decks, and market research for businesses of all sizes. She specializes in SBA, bank, and grant-focused planning and is a Top-Rated Upwork professional with a 100% success score and over 450 completed projects. Zoey also presents business planning workshops at SCORE Orange County and is the author of “Love Can, In Fact, Be Calculated”. Connect with Zoey: Website: https://www.lovecaninfactbecalculated.com/  Instagram: https://www.instagram.com/zoeycharif/  Book: https://www.amazon.com/Love-Can-Fact-Be-Calculated/dp/9695892051  Connect with Darius: Website: https://therealdarius.com/ Linkedin: https://www.linkedin.com/in/dariusmirshahzadeh/ Instagram: https://www.instagram.com/imthedarius/ YouTube: https://www.youtube.com/@Thegreatnessmachine  Book: The Core Value Equation https://www.amazon.com/Core-Value-Equation-Framework-Limitless/dp/1544506708 Write a review for The Greatness Machine using this link: https://ratethispodcast.com/spreadinggreatness.  Learn more about your ad choices. Visit megaphone.fm/adchoices

SummaryIn this episode, Chase and Chris talk about why your progress on your health journey might feel slow—and why that's totally normal. They break down seven big reasons people often feel stuck, even when they're doing “all the things.” From comparing your journey to others to letting emotions control your decisions, this episode helps you check in with yourself, reset expectations, and keep moving forward with clarity. If you're feeling like progress isn't happening fast enough, this is the reality check you need. Simple, honest advice that helps you get out of your own way and stay consistent.Chapters(00:00) Why Progress Feels So Slow at the Start of a Journey(01:19) The Power of Self-Assessment in Your Health Journey(02:08) Comparison to Others Is Killing Your Momentum(08:33) Are You Really as Consistent as You Think?(12:00) Trying to Change Everything at Once? Here's Why That Backfires(15:49) When Emotions Take the Wheel: Logic vs. Feelings(21:35) Stop Moving the Goalposts: Celebrate Your Wins!(24:54) Are You Really Moving Enough or Eating Less? Probably Not(34:41) Tracking Isn't a Diet—It's a Tool(38:37) You're Actually Losing Weight at the Right Pace—Be Patient!SUBMIT YOUR QUESTIONS to be answered on the show: https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective

In this sermon, Pastor Rick teaches that spiritual growth begins with honest self-assessment, not outward behavior. Using Matthew 5 and the life of Saul, he reveals how refusing to confront our attitude quietly undermines leadership, clarity, and long-term purpose.

In this sermon, Pastor Rick teaches that spiritual growth begins with honest self-assessment, not outward behavior. Using Matthew 5 and the life of Saul, he reveals how refusing to confront our attitude quietly undermines leadership, clarity, and long-term purpose.

Hire Yourself Podcast with Pete GilfillanYou can have the title, the experience, and the accomplishments, but without a clear why, it becomes harder to stay motivated, focused, and energized. In this reuploaded episode, Pete Gilfillan breaks down why defining your purpose is critical for senior-level executives who want to stay driven, fulfilled, and aligned with their long-term goals. Your why is the anchor that keeps you steady through stress, uncertainty, and career transitions.In this episode, Pete discusses:Reclaiming Your SparkExecutives often lose motivation because they drift away from their why. Pete talks about how reconnecting with your purpose restores energy, enthusiasm, and clarity.Separating Your Personal Why and Your Business WhyYour personal purpose and your professional purpose are not always the same. Pete explains why separating the two gives you strength, direction, and long-term commitment.Staying Strong During Tough SeasonsEvery executive faces setbacks. A clear why gives you the resilience to push through challenges, market changes, and stressful periods.Self Assessment and AlignmentPete outlines how to identify what truly matters to you, what satisfies you, and what drains you so your why is grounded in reality.Creating a Long Term VisionYour why must align with your ten year goals. Pete shares how defining your future helps you stay focused and avoid drifting through your career.Seeking Guidance and SupportSometimes finding your why requires help. Pete talks about how mentors, coaches, and accountability partners help you gain clarity and stay aligned.Fueling Motivation and FulfillmentYour why is the engine behind commitment, creativity, and sustained drive. When your purpose is clear, even difficult work feels meaningful.Key Takeaways• Your why gives you the spark you may have lost• You must define your personal why and your business why• A strong why helps you survive tough seasons in your career• Self assessment keeps your purpose aligned with what matters• A ten year vision gives your purpose long term direction• Mentors and coaches help you stay aligned• Purpose fuels motivation and long term fulfillment“Your why is the engine that keeps you going when everything else tries to slow you down.” - Pete GilfillanCONNECT WITH PETE GILFILLAN:

In this episode of Acta Non Verba, host Marcus Aurelius Anderson sits down with Scott Sypniewskie, co-owner of SSLC Plumbing, to discuss leadership, redemption, and the journey from adversity to success. Scott shares his deeply personal story of overcoming challenges, building a thriving business with his wife, and the importance of leading by example. Listeners will gain insights into the philosophies and practices that have shaped Scott’s life and company, emphasizing the ethos of actions over words. Episode Highlights: The 80/80 Rule and Company Culture (4:30)Scott explains the evolution of SSLC’s mission, focusing on building relationships and making decisions that prioritize both customers and employees. Personal Redemption and Family Support (10:50)Scott recounts his struggles with addiction, the turning point in his life, and the unwavering support of his wife, Kathleen, which became the foundation for his transformation. Extreme Ownership and Leadership Development (13:50)The impact of attending leadership events, embracing the principles of extreme ownership, and fostering a culture of continuous growth within SSLC. The Power of Reframing and Giving Space (48:30)Scott and Marcus discuss the importance of reframing adversity, creating space for others to grow, and the ripple effect of authentic leadership on teams and families. Scott Sypniewskie is the co-owner of SSLC Plumbing in Colorado. After overcoming personal struggles, he has dedicated himself to building a business rooted in strong relationships, leadership, and the success of others. Scott is known for his humility, commitment to personal growth, and his ability to inspire those around him to lead by example. Learn more about the gift of Adversity and my mission to help my fellow humans create a better world by heading to www.marcusaureliusanderson.com. There you can take action by joining my ANV inner circle to get exclusive content and information.See omnystudio.com/listener for privacy information.

Prepare for thru-hiking season with thru-hiker and Trailside Fitness founder Lee "Flick" Welton. Lee has thru-hiked the Pacific Crest Trail and Pacific Northwest Trail. He's also a personal trainer, nutritionist, and Physical Therapist Assistant. This recording is the second of a three part series. If you'd like to join his future live event January 10th - you can register on the ⁠THRU-r Events Page⁠. Sign up for the ⁠THRU-r Mailing List⁠ for event news and thru-hiker things!In this episode Lee goes into:Load vs. Capacity (injury math for hikers)How to translate aches, fatigue, and training data into clear programming decisions so you can train hard without tipping into overuse!If you'd like to see the sideshow, check out the ⁠THRU-r YouTube Channel.⁠Connect & Work With Lee:⁠Trailside Fitness Website⁠⁠Adventure Ready Group Training⁠ (for a $50 discount: Mention THRU-r in the "how you found out about Trailside Fitness" section on the waitlist form.)Check out the Self Assessment link here.Help fellow hikers find the show by following, rating, and reviewing the podcast on ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Spotify⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ and ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Apple Podcasts⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠!Connect With THRU-r & Cheer:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Join The Trail Family⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠THRU-r Mailing List⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠THRU-r Website⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠THRU-r Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠THRU-r Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠THRU-r Youtube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠THRU-r Threads⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cheer's YouTube⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Cheer's Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Episode Music: "Communicator" by Reed Mathis

Enjoy the episode? Send us a text!Is your behavior accidentally destroying your marriage? In this video, Kimberly Beam Holmes reveals one of the top predictors of divorce—second only to affairs—that most people don't even realize they are doing.Control is a silent relationship killer. You might think you are just trying to "help" your spouse, protect your family, or make sure things are done "the right way." But to your partner, it feels like intrusion, intimidation, and a lack of trust.At Marriage Helper, we see thousands of couples in crisis, and control is one of the hardest hurdles to overcome—but it IS possible. In this video, Kimberly breaks down the psychology behind why good people become controlling, the 5 distinct ways control manifests in a marriage, and gives you a 5-question self-assessment quiz to see if you are guilty of these behaviors.In this video, you will learn:The Root Causes: Why fear, low self-esteem, and poor emotional regulation lead to controlling behavior.The 5 Types of Control: Intrusion, Intimidation, Correction, Disempowerment, and Emotional Coercion.The Self-Assessment: 5 honest questions to ask yourself right now.The Solution: Practical steps to stop controlling your spouse and start saving your marriage.If you're struggling in your marriage, don't wait. Get our FREE resource: The 7 Steps to Rescue Your Marriage

Drawing on concepts from his latest book, Confidence, Ethan explores how it is that our self-assessment can be so off the mark so frequently, especially when it comes to seeing our progress along a long-term path like meditation, or the deeper journey of spiritual and psychological . Why is it so hard assess our traits, and to see our strengths as well as our stuck places, clearly? How can we overcome our negativity bias and meet the inner critic more skillfully in everyday life. What does it mean to develop clarity when asking ourselves the question: "How am I doing, really?" Please support the podcast via Substack and subscribe for free or with small monthly contributions for a paid subscription. Additional links and show notes are available there. Paid subscribers will receive occasional extras like guided meditations, extra podcast episodes and more! The Thursday Meditation Group happens each week at 8am ET on Thursdays, and a guided audio meditations are released monthly. Another bonus podcast for paid subscribers discussed a mindful take on the These are all available to paid subscribers. You can also subscribe to The Road Home podcast wherever you get your pods (Apple, Spotify,Ethan's Website, etc). Find out about the 2026 Yearlong Buddhist Studies program at this link! Check out about upcoming free live events like a panel on Mindfulness and Holiday Stress Nov 12, a live talk with Ethan and Dan Harris December 10, and a live talk with Ethan and Roshi Joan Halifax January 6th! A new free video course on a classic Buddhist contemplation called The Five Remembrances is available at this link. Find out about the 2026 Yearlong Buddhist Studies program at this link! Check out all the cool offerings at our podcast sponsor Dharma Moon, including a free webinar with David Nichtern on the new Advanced Teacher training on November 20. Free video courses co-taught by Ethan and others, such as The Three Marks of Existence, are also available for download at Dharma Moon. Subscribe now Ethan's most recent book, Confidence: Holding Your Seat Through Life's Eight Worldly Winds was just awarded a gold medal in the 2025 Nautilus Book Awards. You can visit Ethan's website to order a signed copy. Please allow two weeks from the time of your order for your copy to arrive.

In this Huberman Lab Essentials episode, my guest is Dr. David Buss, PhD, a professor of psychology at the University of Texas at Austin and a pioneer in the field of evolutionary psychology. We explore the science behind human mate selection in both short- and long-term relationships. We discuss universal traits valued in long-term partners along with key differences between women and men in what they prioritize when selecting a mate. We also discuss the darker aspects of mating behavior, such as deception, the evolutionary function of jealousy and the motivations behind stalking. Read the episode show notes at hubermanlab.com. Thank you to our sponsors AGZ by AG1: https://drinkagz.com/huberman LMNT: https://drinklmnt.com/huberman Function: https://functionhealth.com/huberman Timestamps (0:00) David Buss (0:21) Mate Selection, Preferences & Competition (3:26) Desirable Qualities of Men & Women, Universal Traits for Long-Term Mates (4:38) Women's Preferences; Men's Preferences; Age Differences (8:58) Sponsor: LMNT (10:32) Mate Deception & Online Dating, Tool: Travel, Stress & Emotional Stability (13:41) Short- vs Long-Term Mates, Men vs Women Preferences (15:58) Sponsor: AGZ by AG1 (17:27) Jealousy, Mate Value Discrepancy, Vigilance to Violence (20:58) The Dark Triad, Sexual Harassment & Coercion (22:18) Stalking, Motivations & Outcomes (24:57) Sponsor: Function (26:38) Childhood Attachment Styles & Relationship Stability (27:43) Self-Assessment for Mate Value, Self-Esteem (31:20) Evolutionary Psychology & Neuroscience (32:05) David Buss' Books; Acknowledgements Disclaimer & Disclosures Learn more about your ad choices. Visit megaphone.fm/adchoices