Podcasts about sipp

If you've heard the show before, you know the Next Stop gang is all about music! And today's show will definitely deliver with three stops! First up is Jazz in the Pass 25', happening May 25th in Pass Christian, then it's a blast from the past as Germaine Flood sits down 1-on-1 with the legendary Jack Hues of Wang Chung, to talk about their upcoming shows during the "I Want My 80s Tour" with headliner, Rick Springfield, May 31st in Brandon, and June 1st in Gautier, then it's a final sit down with none other than Mr. Sipp for his upcoming Mr. Sipp @ Duling Hall show at in Jackson May 31st. Plus, we'll check out what's happening around your neck of the woods! Stay tuned, buckle up and hold on tight for your Next Stop, Mississippi!"What's Happening Around Your Neck of the Woods" Event Listing:SOLD OUT - Late Night with Rita BrentMemorial Day Weekend Seafood BoilSerengeti Springs at the Hattiesburg Zoo Announces Official Opening Date for Season Two!ChiknNBeer 2025Bobby Rush LIVE!Blues Brunch - Bobby Rush: King of the Chitlin CircuitWatch this episode on MPB's YouTube Channel: Next Stop, Mississippi | Jazz in the Pass, Wang Chung, and Mr. SippNext Stop, Mississippi is your #1 on-air source for information about upcoming events and attractions across the state. Get to know the real Mississippi! Each week the show's hosts, Germaine Flood and entertainment attorney Kamel King, highlight well-known and unknown places in Mississippi with the best food, parks, music and arts. Check out our Sipp Events calendar to help plan your next trip! Hosted on Acast. See acast.com/privacy for more information.

This week's MMQ&A covered questions on whether you need an emergency fund in retirement, starting late and the mechanics of the residence nil rate band, among other things! Shownotes: https://meaningfulmoney.tv/QA13  Questions Asked 01:03  Question 1 Hello Pete n Rog Thank you for the brilliant podcast which has turned my money management around in four months. I love your banter as much as your expertise. My question is: Do people need an emergency fund in retirement, and if so how big should it be? With DB pensions coming my way I'll have a guaranteed income so how important is it? Many thanks and keep up the great work Caroline   04:21  Question 2 Hi guys, I'm probably not your usual demographic so I'm not sure if this will be of enough use to your listeners but… Having grown up in what may be classed as modern day poverty (raised on state benefits, single parent family) I had zero financial literacy. This meant that when I started my career as a teacher I opted out of the pension because I “couldn't afford” to pay into it… yes I know now that was a bad move! I eventually opted back in, but then took big chunks [of time?] out to travel and have children. I divorced and had to leave my career to raise my own children. I'm now 47 and staring into a huge financial hole (as I suspect are many mothers/divorcees). Now it's not all doom and gloom as I have made a few intuitive moves. I own a large family home and a second property (these are mortgaged), but my worry is actual cash. State pension won't touch the sides of what I'll need. What would be your suggestion on how to start accumulating at this late stage? I've opened a vanguard pension and make personal and company contributions (I have a tuition business now) but it feels like too little too late as I've missed the opportunity for exponential compounding. I can't work out how to figure out what I'll need and then reverse engineer the numbers to see if I'll make it! I have a high tolerance to risk, but Is it just pour as much as possible into the pension and pray? Keep doing this amazing podcast please as you have no idea who you are reaching and helping each week. Jenny   11:51  Question 3 Hi Pete & Roger, Love the pod, keep up the good work! My mum is in her eighties and has been asking me about inheritance tax and in-particular “passing on her home”.  We both take an interest in finance, so I said I'd read up on it online. I understand you can inherit up to £325,000 tax free.  My Dad passed away 9 years ago and I believe that his threshold would be taken into account as well, to make the total tax free amount £650,000. I then read that If you give away your home to your children or grandchildren, your threshold can increase to £500,000. I believe this would mean that the total threshold (with my late Dad in mind) would be £1,000,000? Her house is worth just under a million and she has approximately £100k in a Vanguard stocks and shares ISA. My main question is, if she were to make a change in her will to “pass on her home”, would this be an inheritance tax saving to her children in the future, as there would be less of a total amount to pay tax on? I'm, also unsure if the home has to be passed on to an individual, or if stating “her children in equal splits” would suffice. In reality, we would probably sell her home when the time comes, so I don't know if there are additional rules around how long you would have to keep it for etc. Any clarity on this subject would be much appreciated. PS: There's nothing dodgy going on here and we're not wishing her away! Many thanks! John 17:19  Question 4 Dear Pete and Roger, Thank you for an excellent podcast and your contribution to allowing people to self improve their finances. I am 33 and think I was already on the more competent end of the financial spectrum before I found your podcast. I.e. I had no ‘bad debt', had an emergency fund, had cleared my full student loan and overpayed our mortgage to clear 60% in 6 years (just in time for the rate rise!). That said, I now definitely have a better understanding of the fundamentals of financial stability and have started to invest in the last year since listening to you. I listen to a few other podcasts more directly targeting doctors to see if anything specific applies to me / the NHS pension, but still enjoy yours the most. Anyway, my question (regardless of whether you want to include the above compliment or not) is … why is more weight not given to S&S LISA's for later life (alongside a normal S&S ISA)? My understanding is the ‘negatives' would be … (1) loss of invested money if withdrawn early by way of the reverse 25% deduction (2) fees being slightly higher That said, if not withdrawn early, when comparing £4000 / year in a normal S&S ISA, the 25% bonus is surely a significant bonus even with slightly higher fees? What am I missing? Best wishes, Ben 21:23  Question 5 Great podcast My wife and I are both additional rate tax payers and hence our ability to put money into our pensions is limited. We have a field behind our house that we have thought about buying for a while and I was wondering whether the below was legal/valid. The govt introduced the concept of biodiversity net gain (BNG) around property development. There is a market in BNG units where you are paid (I believe) an upfront cost and you need to preserve the habitat for 30Y+. Receiving all the money upfront isn't that tax efficient so executing in a pension would make sense. Can I 1. Buy the land behind us in my pension (believe I can get 2x leverage but not that important) 2. Sell the BNG units – bringing cash into the pension 3. Sell the field back to myself out of the pension for the amount I sold it to the pension for (clearly it's worth less since it is now encumbered with the 30Y liability but ultimately if I want to pay full whack for it then can I?). I am happy to pay for the maintenance of the land inline with the BNG requirements I am now net flat (ish) on the land deal inside my pension but I've managed to get the upfront payment for the BNG in a tax free wrapper. If all that makes it too complicated I think I'm essentially asking if I can sell my pension an asset, realise a gain inside the pension and then buy it back (potentially at an off market price)? Hopefully makes sense, Best John 26:47  Question 6 Hello Pete & Rog, Long time listener and meaningful money fan... No worries if you don't get to answer this, just grateful for all of the amazing content you give away for free. Thanks to you both! In response to another question on a prior podcast Pete mentioned that he wasn't super keen on investment properties due to the fact that it's not very tax efficient and increasing regulations. I have a buy to let with no mortgage so I'm not leveraged like many landlords which has led to me questioning it as an investment. I don't especially enjoy being a landlord and I realise that quite often my SIPP returns are more than my rental income and the property increase in value over the year (I do charge quite low rent because I have a lovely tenant who has been there for 14 years). At 47 I'm thinking when the tenant finally does move on, rather than renting it out again, instead selling the property and paying the money into my SIPP and S&S ISA. It's worth ~£270k after £35k CGT and estate agent costs. I earn approx £50k and can back date my SIPP allowance from the last 3 years. I have a good emergency fund and my SIPP is currently £205k, LISA £45k, ISA £50k (and no mortgage on my own home, living with my partner with no kids, no debt). My plan to live on a fairly modest retirement of around £25,000 a year from my early to mid 60s depending on how my Investments do. Love the podcast and the clear way you explain things in a way even I can understand ;) Best wishes, Russell Send Us Your Listener Question We're going to spin out the listener questions into a separate Q&A show which we'll drop into the feed every 2-3 weeks or so. These will be in addition to the main feed, most likely, but they're easier for us to produce because they require less writing! Send your questions to hello@meaningfulmoney.tv Subject line: Podcast Question

Amazon shares how its SIPP program helps sellers cut FBA fees and boost sustainability through more innovative packaging. Learn how to save costs and improve customer experience. ► Instagram: instagram.com/serioussellerspodcast ► Free Amazon Seller Chrome Extension: https://h10.me/extension ► Sign Up For Helium 10: https://h10.me/signup  (Use SSP10 To Save 10% For Life) ► Learn How To Sell on Amazon: https://h10.me/ft ► Watch The Podcasts On YouTube: youtube.com/@Helium10/videos Join us for an insightful discussion on Amazon's Ships in Product Packaging (SIPP) program, where we explore the intersection of cost efficiency and environmental sustainability. Our special guest, Kirsten Freiheit, who leads the North American Division for Selling Partner Engagement for Sustainable Packaging at Amazon, shares her expertise and passion for innovative packaging solutions. Listen in as we discuss how the SIPP program not only helps sellers reduce fees by optimizing packaging but also enhances brand value and aligns with Amazon's goals of fast, efficient, and environmentally conscious delivery. Discover the sustainability benefits of Amazon's SIPP program as we highlight its positive impact on sellers and customers. Brands like Cool Life are leveraging sustainable practices to boost sales. Kirsten shares creative examples of custom packaging, such as reversible boxes and cat playhouses, that enhance the customer experience. We also discuss the program's success in reducing packaging waste and eliminating single-use plastics, which represents a significant step towards combining sustainability with efficient brand representation. Streamlining enrollments in the SIPP program is another key topic, focusing on enhancing the Seller Central portal through product family groupings and portfolio analysis. Kirsten explains how these tools simplify the process of managing ASINs, making it easier for sellers to participate in the program. We also touch on testing requirements for e-commerce fulfillment and the importance of securing packaging to prevent damage. This conversation underscores the SIPP program's role in fostering innovation and excellence in sustainable packaging, all while maintaining a strong connection to Amazon's broader mission. Learn More About Amazon's Ships in Product Packaging Program: Amazon Packaging: https://www.amazon-packaging.com/sellers Seller Central SIPP enrollment page: https://sellercentral.amazon.com/sipp-enrollment In episode 664 of the Serious Sellers Podcast, Bradley and Kirsten discuss: 00:00 - Amazon's SIPP Program 01:53 - Amazon Background and Sustainable Packaging Program 07:15 - What is the Ships in Product Packaging Program by Amazon? 13:51 - Sustainability Benefits of SIPP 17:00 - Innovative Packaging Enhances Customer Experience 19:33 - Enhancements and Benefits of this Program 20:06 - Streamlining Enrollments in the SIPP Program 27:53 - Amazon's Sustainable Cost-Saving Program

When it comes to investing, it's stock markets that regularly hog the headlines but it's government bond markets that really matter. Share prices taking a prolonged tumble is one thing but if bonds take a hammering, the financial world starts to really the notice. A textbook example occurred a few weeks ago when in the aftermath of Donald Trump's introduction of US tariffs, stock markets took a dive and the President refused to budge. But when bond market ructions started to get investors and even central bankers worried, Trump appeared to take heed and introduced his 90 day pause. On this podcast episode, Georgie Frost, Tanya Jefferies and Simon Lambert discuss government bonds, the basics of how they work, why they matter and what impact they have on ordinary investors and our finances. Plus, the state pension top-up mess that refuses to go away, how to find the best Sipp to invest for retirement, and is a care annuity the answer to our care costs problems or just a treatment for the symptoms? And finally, there's been a mass stampede to cash Isas, what's going on - and is the tax-free saving allowance still likely to get chopped. Tell us what you think about the This is Money Podcast We are running a listener survey, to get your thoughts on what you like about the podcast and what we can improve. We would really appreciate if you could take a few minutes to fill it in - you can do so here. 

This week we devote an episode of the MMQ&A to pensions of all flavours, answering questions on public sector schemes, partial transfers, fund choices and much more! Shownotes: https://meaningfulmoney.tv/QA12    00:52  Question 1 Hi Chaps! I only recently got into podcasts and am frantically trying to listen to as many pension ones as I can. Yours are the most useful I've come across and now I can't stop listening to them all! A small question I hope you can clarify for me please: I am 48 and a few years away from possibly an early retirement (hopefully 58) but trying to plan ahead. I have both a DB pension through work (NHS) and a personal Vanguard SIPP pension I also add to monthly and am of the understanding that you can take 25% tax free (up to the set limit) from your pensions overall and therefore my question is- could I take all the 25% tax free amount from my SIPP and leave the rest of my SIPP and all my DB pension pot to pay me a pension from. In example (arbitrary figures): my DB and SIPP are each worth £100000, totalling £200000. Therefore, under current rules, could I take £50000 tax free from the SIPP (the overall 25%) and the other £100000 in DB and £50000 left in my SIPP to pay me a pension monthly. Or is this not possible at all as they are different schemes, ie DB and DC? Many thanks Jon, from Norfolk   05:30  Question 2 Hi Guys, Firstly, a massive thank you for all the information you provide, it really has completely transformed my personal finances. I still have a long way to go until retirement (I've just turned 30) but thanks to you, I'm confident it won't have to be the state pension age! My question is – I work in Local Government and, whilst the salary is distinctly average (37k) it does come with the benefit of a DB pension scheme. I'm now considering making some additional contributions but there are two options available and I'm struggling to find any useful information online… – Make AVCs into what I understand to be a separate pension scheme more akin to a DC pension – Make APCs whereby I effectively buy more DB pension. It works out at approx an additional £10 guaranteed yearly income for every £80 (£100 if including tax relief) I contribute. In my head, this sounds good as long as I make it 10 years into retirement! Is there an obvious answer to this question? Only obvious downside to the DB option is, if I were to pass away before retirement, the additional pension is effectively lost and not paid to my next of kin! But then again, I don't intend to go anywhere anytime soon! Any thoughts appreciated and thanks again! Jack   12:03  Question 3 I have a question relating to the upcoming change in minimum pension age and how it affects those of us in the 55 bracket before the 6 April 2028 change.  I don't know if there is any clarity from government yet but if I am 55 in September 2027 and take a PCLS 25% tax free from an AVC DC running alongside my DB pension scheme, then want to retire fully and start taking the DB in September 2028 when I am 56 is that possible? There seems to be a grey area about what happens after the April 2028 cut off to those of us in this age range. It doesn't even appear clear if someone taking early retirement at 55 would then stop being eligible for monthly payments after April 2028 until they were 57. So they think they have retired fully, then when April comes around their payments stop! Appreciate that sounds a dramatic scenario but I haven't been able to find anything comprehensive on it so hope you can help. I also have a question on DBs with AVCs which might be useful for others. If I have a DB pension valued at £300k and saved £75k in AVCs over the years, can I take the full £75k at 55/57 without it a) affecting the DB monthly amount which can be taken from age 60 in my case, and b) without it being classed as a pension event, so I can continue to contribute over £10k a year into a DC scheme as I plan to continue working until 60. Appreciate they are specific to me but thought there must be others in a similar position. Sorry for more long questions. Thanks for all the great podcasts, look forward to the next. Thanks, Don 19:34  Question 4 Hi Pete! Hi Rog! I've been a long time listener to your dulcet tones and concise advise for a long time and love what you guys do, so please keep doing it! Another pension Question I'm afraid! A while ago I consolidated a few old workplace pensions in to a SIPP, but I still have my current workplace DC pension ticking away. Its not great, being the bare legal minimum (2.5% contribution from my employer) and the fees seem higher than they should be. If I close that pension and transfer to my better performing and cheaper SIPP, I effectively opt-out of the employer contributions scheme. My question is what should I do to be most efficient with my pensions to ensure I am getting the benefit of employer contributions without paying over the odds for an underperforming scheme? I'm 34, and (thanks in no small part to you) feel somewhat on top of my finances. We have an almost balanced budget, regular savings (both short and longer term) in tax efficient wrappers and only a smidge of interest free debt all under control. My SIPP is knocking on for £50k, my DC around £18k. Thanks again Tom 26:49  Question 5 Hi guys Thank you for the advice from your book, podcasts and videos. They encouraged me be brave enough to open a Stocks and Shares ISA, to begin my investing journey. They also encouraged me consider income protection, which I now have. My question is about Additional Voluntary Contributions, compared with a SIPP. I am fortunate to be part a Local Government, Defined Benefit Scheme. I would like to contribute more to my retirement savings, each month a third into a pension and two thirds into a S&S ISA. My pension gives me the option of buying additional pension, however the rates are not very competitive. I make AVC to a third party provider. I have also started a SIPP. This has lower fees and better customer service, then the AVC provider. Something I can't quite understand. What are the benefits of making a AVC, which deducts my contribution pre-tax compared with making a contribution to a SIPP and claiming the tax back? I am a higher rate tax payer. My employer does not offer employer match or salary sacrifice. Thanks for all the help. Rob 29:45  Question 6 Hi question for your podcast if you'd be so kind. My question is about salary sacrifice and its effect on relevant earnings for the annual allowance. I'll use some figures to illustrate and for simplicity assume tax relief and employer's contributions are included in the amounts going into the scheme. I have my employers scheme and a separate SIPP. My income comes from employment and rents from property. I generally put anything I can from the property into the SIPP and sacrifice as much as I can into AVCs in my company pension to benefit from Sal sac. Scenario; my salary before tax is £60000. If I where to sacrifice £500 per month under and electric car scheme and £1500 per month into my pension (combination of pension contributions and AVCs) that would be a total of 24000 sacrificed from 60000 leaving me with a pre tax wage of £36000 and £18000 in my pension pot for the year. My question is what is now left of my annual allowance. Are my relevant earnings now only £36000 and therefore the £18000 already sacrificed come off the £36000 or do I have the £36000 left? Or something else? What would be the amount of money that I could put into my SIPP from my income from property and not break the annual allowance. I hope this makes sense. For ease assume previous years are full in respect to carry forward. Thank you both! Love the podcast! John. 32:30  Question 7 Love the show. Listen whenever I get a chance. I know you've covered investments, savings, pensions etc, but I'm after some advice. To keep it short as requested last week, I've been a public sector worker for 10 years now and have not paid into a pension scheme due to personal financial issues. I got promoted 3 years ago and am now in a much better financial position. I have still got 25 years service until I can retire, but am concerned I've missed out on a a large contribution for the pension scheme. Would I be better opting into the pension or looking at other alternative such as S&S index, ISA, etc? I do intend to promote a few more times before retirement so pension contributions/investments will increase with income. Looking forward to your advice. Regards, Raph

Topic: Malcolm White and Java Chatman attended Sipp & Savor 2025 at The MAX in Meridian where they talked to so many chefs we had to split the interviews into multiple episodes!Today, we are sharing part 2 of our interviews from Sipp & Savor 2025.Alex Perry (Vestige in Ocean Springs) talks about his James Beard Award journey and why he chose to use chicken hearts as an ingredient in his dish for the night. Ty Thames (Restaurant Tyler, Bin 612, and The Guest Room in Starkville) shares his culinary journey and how his Italian-style wine bar and restaurant became famous for cheese fries. Geno Lee (The Big Apple Inn in Jackson) gives away family secret recipes and praises food festivals like Sipp & Savor. And Jeremy Noffke (Southern Prohibition Brewing Company and Big Trouble in Hattiesburg) wrapped up the night with updates on the Hattiesburg restaurant scene and a unique dining experience with Big Supper Club.Guest(s): Alex Perry, Ty Thames, Geno Lee, and Jeremy NoffkeHost(s): Malcolm White and Java ChatmanEmail: food@mpbonline.org Hosted on Acast. See acast.com/privacy for more information.

Mavis Gragg's legal advocacy for Black heirs' property rights and Euneika (Nudge) Rogers-Sipp's creative preservation practices and food sovereignty demonstrate the inherent role of design as care in the Black feminist tradition. The post Euneika (Ndgo) Rogers-Sipp and Mavis Gragg first appeared on The Design Nexus.

This week we answer questions on the loose theme of capital gains tax and investing via General Investment Accounts (GIAs). Spoiler alert - nothing's as simple as it might seem! Shownotes: https://meaningfulmoney.tv/QA11    01:06  Question 1 Whenever a question comes up in our Facebook group about Capital Gains and GIAs (General Investment Accounts) I get a sinking feeling as I do not know much about that type of account, and I don't have one myself.  I am not alone. I have gathered questions from our listeners about capital gains, so in this episode Pete & Roger can tell us all about Capital Gains, Dividends, and anything else we need to know about using a GIA, and other situations which involve capital gains tax. 19:03  Question 2 Hi both, I've recently discovered your podcast and have thoroughly enjoyed my commutes listening to you. Personable and informative. I have a question about selling my buy-to-let property that is in my personal name. My mortgage term is ending in June 2026 and I'd like to sell it for one of better quality that has less issues. I'm currently a higher-rate taxpayer but we're planning to start a family in the next year, meaning I'll be on maternity leave for 12 months which will push my salary down to basic-rate. Impossible to plan when I'll get pregnant but it would be useful to know how HMRC calculates my salary (and over what time period) so that I pay basic-rate CGT when selling my buy-to-let? Apologies for a very wordy question! Thanks a lot and best wishes, Winnie 22:17  Question 3 Hi Pete, I hope you're doing well! I've been really enjoying the Meaningful Money podcast and had a question I'd love to hear your thoughts on the show: In a general investment account (GIA), is it's better to use an income fund to avoid triggering CGT if income is needed (assuming the dividends covers the needs in the short term)? Thanks so much for your wisdom! And keep up the great work on the podcast! :) Best regards, Chloe 26:53  Question 4 Hi Pete, Roger (and Nick who I assume is reading this :-)) I have a question I'd be grateful if you could answer which is around capital gains tax on any shares or funds held outside an ISA/pension. To use an example with higher numbers so that the allowance is used for simplicity: - You have £100k in a GIA - it increases by £10k a year for the first two years; - it's then down £2k in the third - the total value is now £118k - You then want to draw out £10k - How do you work out what capital gains the tax is to be paid on i.e. is the full £10k considered a gain? - Is the withdrawal from the original £100k or from the increase in value i.e. gain? - Would you be better to withdraw up the annual allowance every year and then put it back in to reduce the gain, considering there's no allowance for the impact of inflation? Love the show, keep up the good work in whatever format you decide going forwards - you've made real differences to the way I've managed my investments over the years, especially at scary times like Covid and your book and courses have given my kids the education they need for their long investing lives. Thanks, Dino 36:39  Question 5 Hi Pete & Rodger, I started a deep dive into our overall finances over the Christmas period, to set the picture I am 47, my wife's 42 and we have two children a boy 5 & a girl 3. I received a diagnosis last year which will have a long term impact on my ability to sustain my current level of income & type of work I do. We have a 154k mortgage with 19 years left on the term, with the uncertainty around my health I have decided to target maximum overpayments on the mortgage, this year we can pay 18k extra. My questions are: 1. I plan to save circa 1k per month salary to put into the overpayment pot, I am hopeful that the HL shares will meet past highs and I can use some of that money to top up the salary savings and hit our target. Do I pay tax on the profit I make from selling shares? If it's no more than 3k? I was hopeful I could sell shares annually and withdraw the gains annually, then reinvest in same stock when they dip. I realise that past performance isn't always guaranteed but monitoring since covid the stocks I am invested in are fluctuating from a £15 low to £20 high annually. So looking to sell at £19.5. Is this the best way to use the extra cash at present given the plan to access quickly at times. I have maxed out isa allowance for current FY (2024/25) but will probably pay the 1k per month into an isa in new FY. 2. I am planning to do lump sum overpayment rather than setup monthly, just to give easy access to funds should they be required. I plan to cash in some company SIPPS annually when they aren't taxable (after 5 years) that sum will be on average 1k per year. Will the SIPPS cashed in and gains from HL sales leave me vulnerable to paying capital gains tax? If all goes to plan we could be mortgage free by 2033 approximately and there would be less of a dependency on my salary. Deep down I just want us to be setup financially as best we can with the uncertainty around my health. I would really appreciate your views, love the podcast and it's been a real source of knowledge to me. Best Regards Lee 43:52  Question 6 Hi Pete & Roger, I found your YouTube channel last year and through that the Podcast – both are absolutely fantastic and have helped me and my family so much with many aspects of managing our money and planning our finances. My question relates to if and to what extent capital gains tax can be offset by making SIPP contributions. My wife and I jointly own a buy to let property that we are selling in the new financial year (25/26).  When the sale completes, we expect to each have a taxable capital gain of around £30,000.  My wife earns around £10k a year from a part time job, therefore most of her gain will be taxable at the lower rate of 18%.  For the last couple of years, she has made annual gross SIPP contributions 100% of her earnings (£10,000) which is the maximum gross contribution she can receive basic rate tax relief on. This year, as well as contributing the usual £10,000 gross, (100% of earned income), can she also contribute up to a further £30,000 gross and receive basic rate tax relief on this additional contribution, thus offsetting the CGT paid on the gain from the property sale?  If so, with CGT payable at 18% and basic rate tax relief of 20%, contributing the full £30,000 would actually more than offset the CGT (which I fear is too good to be true). If this is the case, is there any other strategy we should be considering to achieve the same or similar outcome?  I have really struggled to find definitive guidance around this, so any clarity you can provide will be much appreciated. Many thanks and keep up the great work. Steve

Topic: Malcolm White and Java Chatman attended Sipp & Savor 2025 at The MAX in Meridian where they talked to so many chefs we had to split the interviews into multiple episodes! In this first episode, we share interviews with Sipp & Savor 2025's Headlining Chef Vishwesh Bhatt who shares some samples of his food, compliments his fellow chefs, and confirms a rumor. Then, President and CEO of The MAX, Penny Kemp, joins to talk about the history of Sipp & Savor and The MAX. And frequent guest, cohost, and all-around friend of the show Chef Enrika Williams talks about her experience at Sipp & Savor and how quickly she ran out of the lamb sandwiches she prepared for the event.Stay-tuned for Deep South Dining at Sipp & Savor 2025 Part 2, coming soon!Guest(s): Vishwesh Bhatt, Penny Kemp, and Enrika WilliamsHost(s): Malcolm White and Java ChatmanEmail: food@mpbonline.org Hosted on Acast. See acast.com/privacy for more information.

As usual, we cover lots of ground in this week's Q&A, including tax-free cash recycling, private medical insurance and Lifetime ISAs. Shownotes: https://meaningfulmoney.tv/QA10  00:57  Question 1 Dear Pete & Roger. I'm a long-time listener and love the podcast, especially more so since Roger joined back in season 21. I'm an additional rate taxpayer with income below the threshold for the tapered annual allowance. I have been contributing £45k to my workplace defined contribution pension via salary sacrifice for the last couple of years, and my effective tax relief rate on contributions is 47%. This coming April (2025) I will turn 55 and will be able to access my pension. I am considering increasing my salary sacrifice contributions by £14,000 per year and funding this by taking just under £7,500 PCLS (i.e. tax-free cash) from my pension. Having watched the MeaningfulMoney video on Tax-Free Cash Recycling and checked the HMRC web site, I know this is not considered tax-free cash recycling because the PCLS withdrawals will be below £7,500 per year. However, I don't know if sacrificing £7,500 of tax-free cash in return for £14,000 of new contributions will have any unintended consequences. In retirement I plan to withdraw money via UFPLS and use tax-free cash to minimise my effective tax rate and have no plans to use it to fund large purchases. Have I missed anything? Simon. 04:01  Question 2 Hi Pete, I hope you're doing well! I've been really enjoying the Meaningful Money podcast and had a question I'd love to hear your thoughts on the show: With the long waiting times on the NHS, is having private health insurance a new 'must have' protection or still a 'nice to have'? Thanks so much for your wisdom! And keep up the great work on the podcast! :) Best regards, Chloe 07:05  Question 3 Hi guys - thanks for all you do with this podcast. I've been incredibly fortunate to find you in my 20's and absorb so much useful knowledge. My question is surrounding LISA's. My fiancé and I currently live separately but we're looking to move in together ahead of our wedding this summer. She owns her own home and I currently rent so we'll be moving into her house. Our plan is to live for a couple of years in her (or soon to be our) house as she managed to secure a favourable rate that will help us to save together for our next home. The majority of my current house deposit (around £35k) is in a LISA, however in the last year or so I've quickly realised that our next home together will probably sit above the £450k limit that LISA's allow. Given that we live in a pretty expensive area and want to stay here, is there anything you would suggest? We've thought about me 'buying in' to her current house but we don't want to remortgage and lose the favourable fixed term. Any ideas? Cheers, Joe 11:38  Question 4 Hi Butch & Sundance, my question is about SIPPs & ISAs and tax implications when used with State Pension and a Defined Benefit Pension. I'm planning to retire 7 years before state retirement age (67) and plan to use a DB pension and SIPP in those 7 years. The annual income from the DB pension will exceed the current basic rate income tax annual allowance (£12,570) and withdrawals from the SIPP outside of the tax-free lump-sum, would all incur basic rate income tax. I would like to keep investments that continue to grow, but with the removal of some IHT benefits within a SIPP, is it now worth withdrawing more than I need each year and moving the SIPP investments to a Stocks & Shares ISA over the next 7 years and therefore reduce tax paid over the following 20-30 years from the age of 67? Or am I making more of minor issue than is needed? Keep up the excellent work, Jack 16:36  Question 5 Hi both, Love the podcast! I have a question regarding pensions. I have an employer (defined contribution) pension that had been with one provider (chosen by my employer) for the last 11 years. My Company has recently terminated the agreement and mine and my employers contributions are now all going to the new provider and fund. I chose not to transfer my original pension from the original provider to the new provider, as the existing fund had been performing so well. Following a review of both pensions over the last 6 months, I discovered that my existing pension had continued to be perform very well - over double the return compared to the new pension provider and fund). Whilst I understand I could switch funds with the new provider, my preference would be to do an annual transfer from my new pension fund & provider to the original provider and fund. I cannot seem to find any information on how to do this (all the information online is focused around transferring and shutting the new account - I don't want to do as my employer and personal contributions will continue to be directed to the new provider and fund. Thanks for your help, Matt 21:25  Question 6 Hi Pete and Roger I have a question about pensions for low earners. I have been listening to your show for the past year and loved the simplify and OS series, with your helpful explanations I have managed to get my self employed husband to increase his pension contributions, built up 6 months of emergency funds and have opened our first stocks and shares isa for long term savings. My question is about my pension contributions. I have about 13 years in an NHS pension from before I had children. For the past 8 years ( since the children were born) I have worked very part time or not at all so have not really made much in the way of pension contributions. I am currently 45 and I work seasonally for 4 months of the year. We live comfortably on my husband's income and as mine is irregular income it is not allocated to specific spending. My plan this year was to try and save all my income (about £7000) and contribute to a personal pension (a SIPP?) to catch up on my own pension contributions (I do have an employer one but it's very basic). My question is: if I pay into a personal pension will I still get tax relief added? As my earnings are below the personal allowance I don't pay income tax. I can only find information on the £2880 for none earners or employee pensions. Also how much of my income can I put in a pension? I.e. if I do get tax relief can I only put in 80% of my earnings?  Do I also need to subtract my work pension contributions? Thank you for all your amazing work. Best wishes, Lindsey

Welcome to another Q&A show - this week we cover tax free cash from DB pensions, annuities vs drawdown and whether you should pay down a buy to let mortgage or invest. Plus quite a bit more! Shownotes: https://meaningfulmoney.tv/QA9  Questions 00:41 Question 1 Hi Pete and Roger. Thanks for your wisdom over the years. My question came about from an answer you gave on a previous Q&A about AVCs and tax free cash. You mentioned it was possible (sometimes) to use AVCs as tax free cash to preserve the maximum DB benefit. I have some follow up questions that relate to - A small DB pension that doesn't appear to offer tax free cash. - A small DB pension that does offer tax free cash, but I have left that job so can no longer contribute to that pension (AVCs or otherwise) I don't have AVCs in these pensions, but I do have a DC pot separately. Would I be able to use take tax free money from my DC pension if I took it at the same time I took the DB pension sort of in lieu of the tax free component of my overall pension? I suspect this is clutching at straws, but thought it worth checking. Many thanks. Loyal listener, Mark 03:11 Question 2 Hi Pete & Roger! I hail from Northern Ireland and enjoy your Podcast to keep my mind active and up to date in all things financial - Top job. I have been looking at having a go at Voyant after various spreadsheets of my own as a way to play with the numbers so was considering a meaningful academy course - question is which course is right for me? I am in mid 40's and financially secure so in theory wealth all ready built? Mortgage paid, multiple residential and commercial properties owned debt free and an sizeable equity portfolio and so should I be looking at the retirement or wealth course? John   05:30 Question 3 Great podcast and been an avid listener for the last year. I have a question which, I think I know the answer but I'd be curious on your perspective. Background: - I divorced in 2021 and as part of that agreed to transfer the house over to my ex-wife and a charge put on the deeds so that when it's sold I'm owed a percentage of the sale. - The house going on the market will be (or should be) triggered when my youngest son reaches 18 or leaves full-time education. This will be either 2028 or 2031. - Since the divorce I've been able to purchase another house and this is my permanent residence. I'm a higher rate tax payer, and when that ex-marital home is sold I'd expect to get somewhere around £200k. However I won't actually need that to hit my retirement goals and would prefer to pass that onto my 3 kids. Could you please discuss options on how I might do that in the most tax efficient way. Best Regards, Dave   10:38 Question 4 Hello Pete & Rog, I stumbled across the show a month ago and have been "binge listening" since then, its amazing, where have you been all my life, keep it up guys. I am actively preaching the Gospel according to Pete to all and sundry. I am a 61 years old Veteran in receipt of a Military (DB) pension to the amount of £18k per annum, which is index linked to CPI. Additional to this, I have a moderate private pension to the amount of £150k which I contribute £500 per month, it has an approx growth of circa 15% I also have a small Stocks and Shares ISA, valued at £15k which I contribute a minimum of £250 per month, this is also growing at approx 14% pa. I am currently working and contributing the minimum amount into a work placed pension with NEST. I am planning to look at retirement at either my next birthday in October 25 (62yrs old) or continue until 65 as I am enjoying work. I have deliberately avoiding factoring in my wife as she is a senior manager within the public sector and has a good DB scheme Final/Average earnings Pension. My question is pension related and I have a dilemma as to decide between either an Annuity to boost my Mil Pension or veer towards a form of drawdown option at a higher rate until SPA and then look to reduce down withdrawals in order to be tax efficient and make it last longer? I am debt free with mortgage paid off and only real major expense is a holiday account which we both contribute to as we like luxury holidays, I hear Rog saying "spend it now". No plans to put anything towards estate planning as both sons are very successful and they will probably inherit our home in time. Just looking for some guidance on what feels may be the right decision under the circumstances, keep up the great work guys, love the show. Michael   16:34 Question 5 Dear Pete & Rog, I have a pensions Annual Allowance query, the answer to which might be of interest to the MeMo community. A relative uses salary sacrifice for her occupational DC pension scheme, and the employer contributes £40k, annually, into her plan. Normally, she doesn't make any personal contributions into any pension schemes, but after receiving a windfall, she is minded to do so via a newly opened SIPP — she has rejected the option of increasing her salary sacrifice amount, and wishes to contribute part of her windfall separately from her occupational DC scheme. Her (post-sacrifice) relevant UK earnings are £35k, so she is planning to contribute £20k gross into the SIPP (£16k net); in order to consume the full Annual Allowance limit of £60k [£40k (employer) + £20k (personal)]. The SIPP provider has advised her that she can actually contribute the whole £35k (gross) by using ‘carry forward'; as she hasn't made any personal contributions in previous years [she's only ever used salary sacrifice]. Is the SIPP provider correct? Kind Regards, James   18:15 Question 6 Husband and I are in our late 50's. We have a £30k interest only mortgage on our home, with £350k of interest only mortgages on 3 buy to let's. Husband has £350k in personal pension and I have a civil service pension (I have taken my final salary element of civil service pension). My B2L' s give £2300 income per month against associated costs of £1100 per month. My question is around reducing our borrowing versus investing in stocks and shares ISA. I have been comfortable in having my buy to let's on interest only mortgages but I am now questioning my approach. We are intending holding at least 2 of the 3 properties throughout our retirement. I am thinking of using the next 5 years to position ourselves for our retirement. I could start to invest £500 into a stocks and shares ISA or I could pay down the mortgages. I am torn between approaches and would value your input on this. I have only just discovered your podcast and it is now a weekly listen for me. I hope I have explained this fully and look forward to hearing your views. Helen.  

It's another Q&A, and this week' we're talking Lifetime ISA withdrawals, whether you need life insurance and the NHS pensions scheme, among other things! Shownotes: https://meaningfulmoney.tv/QA8  01:08  Question 1 I just wanted to start by thanking you so much for your podcast. I'm probably one of your younger listeners, having started listening to you when I was 26. I feel very fortunate to have discovered your podcast at such a young age, as it means I will hopefully have years, if not decades, to put your excellent advice into practice. I have a quick question that I was hoping you could help me with. I currently have a LISA that I was planning to use as a deposit for a house. However, I am now planning to move to Australia permanently with my Aussie fiancée. I have separate savings that I can use for a deposit now, but since ISAs are not recognised in Australia while UK SIPPs are, would it be wise to take the 25% hit by withdrawing the money from my LISA and transferring it into a SIPP to benefit from higher rate tax relief and continued tax advantages? I understand you cannot offer specific advice, but I would be interested to hear if there are any general pitfalls or advantages in this plan that I should be aware of. Many thanks! Simon   04:40  Question 2 Will try to keep this brief but is challenging. Do we need life insurance? If I die whilst employed my wife gets a lump sum which will cover our only debt the mortgage through my DB pension scheme. If I retire aged 60-65 my lump sum will cover any mortgage remaining if still have one. My wife has no such pension / cover if she were to die (currently between jobs). I have emergency fund / Overpay into pension for tax relief & child benefit purposes / and recently opened stocks and shares ISA for myself and  2 children. Age 39 trying to build for future but started late :) Many thanks Lee   09:55  Question 3 Many thanks for all the ongoing information and discussion, I've been listening for years, but still learning and trying to put into practice all positive behaviours (just like with diet and exercise, knowing and doing are rather different!). A question and a thought. Question; (apologies, after I typed it, it turned out to be very long and NHS specific so feel free to ignore, but I think the point about revising tax returns after submission when new info comes is more generally applicable). I'm in the NHS pension scheme and am awaiting my RPSS after McCloud judgement. They were due by October. It's November and I haven't had mine (many others say the same). I believe they are prioritising those with who have definite AA charges and I doubt my NHS figures trigger that as I was part time for much of the relevant period. However, I also contributed to a private pension every year, the amounts varied, but were usually calculated quite closely using the AAPSS that I had at the time to maximise residual allowances - so basically I think I may now have Annual Allowance issues that I didn't at the time, but am not being prioritised by the NHS pension scheme for a new statement because they don't know about my extra contributions. Added to this I have already submitted my 23-24 tax return before I realised there might be a problem. Others have added a comment to theirs essentially saying ‘watch this space for more information' and apparently have 12 months to amend them once their RPSS arrives. So, the question is, can I still change my tax return (submitted on behalf by my accountant if that's relevant) if new information becomes available after Jan 31st (or even in the new tax year)? Do you have any advice for those waiting documents from the NHS pension scheme or insider knowledge re. Timescales for remaining documents? Anja   13:28  Question 4 Thank you so much for an amazing podcast! My question… After 7 years of a long distance relationship, I'm  talking to my partner about moving in together. Apart from checking your significant other listens to the podcast (mine does - phew) what are the most important areas to cover when thinking about joint finances, particularly if you haven't talked much about money before? Thank you! Elizabeth   19:07  Question 5 Hi Pete and Roger! Thank you so much for the show. I've been listening for the past 6 years and have gone from saving for a house to learning about pensions and now actively pursuing building my pension and ISA pots so that I can be ‘work optional' as soon as possible (hoping to be there in 5 years and would not have known where to even start if it wasn't for your podcast). My question is how does the actual mechanics of drawing down from a pension work? Is there an equivalent of PAYE for pension draw downs? How is income tax calculated and collected? Would a tax return need to be done? Thanks so much!! Gavin   24:07  Question 6 I am approaching the Lifetime Allowance (used 91.43%) but my Armed Forces Pension tax-free amount I received was less than the 25% for the amount of LTA used ( 58.96%). I have a Transitional Tax Free Allowance Certificate to ensure I am still able to receive the maximum tax-free amount (£268,275).  I have currently received £168,932.69 as a tax-free amount.  In order to realise the maximum tax-free amount I will need to exceed the LTA by £259,143.76. Finally, I am still able to max out my contributions each year at £60,000 to help reduce my tax bill. If I continue to max out my contributions each year and exceed the LTA to realise the tax-free amount, what are the implications of this or should I consider paying the money into other investment accounts? Regards, Martin  

Welcome to another Q&A show. This week we cover moving abroad, inheritance tax and paying into a pension while drawing from another, and lots more besides! Shownotes: https://meaningfulmoney.tv/QA7   01:16  Question 1 I've been a long time listener for my entire working career and your podcast has been invaluable to getting me to the great position I'm in now. I have recently been offered a very exciting job opportunity abroad (specifically Luxembourg) and I'm thinking about financial issues I might want to cover. I am 29 and have a mid-five figure sum in each of my ISA, LISA, and DC pension in the UK. I hope to save and invest heavily abroad with a FIRE sort of philosophy. I wonder if there are any big things to think about in preparation for a move, or things to do while in the EU that will make a move back easier. I realise this is probably a complex question, and maybe too niche for a podcast episode. I've considered getting a one-off consultation with a financial advisor before my move, do you think this would be worthwhile, and if so what sort of service or green flags should I be looking for? (Assuming Jackson's is not a specialist in this area!) Thank you again! Stuart 06:24  Question 2 Hi Pete, Hi Roger, May I ask a question about pensions now being subject to IHT. My father in law's strategy for passing on his wealth was to pass on an unused pension, previously protected from IHT, and he had also invested in AIM shares, again also previously exempt from IHT but now subject to 20% tax. He is nearly 82. What options might you suggest for him to consider on either of those points, but in particular the pension point. Draw the pension and gift it? Thank you very much. Love the pod and religious listener! Jo 13:00  Question 3 Hi Pete and Roger, A great many thanks for all that you do towards simplifying personal finance principles. It is with thanks to your guidance that I am living within my means and on a budget with clear financial objectives. My question today is on behalf of a family member, let's call her Glynda. Glynda is 58 years old and intends to continue working until she can claim her full state pension. She currently has two private pension pots, one is a SIPP on the Vanguard platform and one is her workplace scheme with a smaller provider I've never heard of called Creative Trust. A few years ago, she chose to withdraw her 25% tax free cash allowance from her SIPP with a view to investing this in rental property. For one reason or another this didn't actually happen so she is now saving this aside as her 18 month cash buffer. To withdraw the 25% tax free cash, she had to “crystallise” the entire SIPP pot. The remainder is still invested in 100% equities - the growth engine as you say, but it is now in a flexi access drawdown account, not a pre-retirement pot. Meanwhile, the workplace scheme is growing nicely with contributions of around £3500/yr, which is not insignificant on her modest salary. This pension is not yet “crystallised” and is also aggressively invested through the limited fund selection on that platform. You have spoken at length about pensions but my question has not yet come up, though I appreciate it may be niche. If the SIPP has been crystallised and the Workplace scheme has not, can they still be combined? Does Glynda need to take her tax free cash from her workplace scheme BEFORE transferring/combining this scheme into her SIPP for ease of management? If she opts NOT to take the tax free cash before transferring, does she lose that option? What is the point of “crystallisation”? Why is it even a thing in a world of flexi access drawdown, it seems irrelevant to me. Do platforms charge different levels of fees post-crystallisation? If so, can Glynda transfer her crystallised SIPP to a new provider if savings can be made on fees. Many Thanks, Sam 19:48  Question 4 Hi Pete and Roger, I have been an avid listener to the podcast for a long time now, probably 5 years, what a journey! Thank you for all the content you put out. Pete; I think I read your book first which put me on to the podcast, or perhaps it was the other way around, I can't remember. I'm pleased to say that when I read your book, I then went through it with a fine toothcomb and ticked off everything I needed to do! Needless to say I've been in a good situation for a while now, thanks to you, your book and this podcast. I still use a Meaningful Money Budget Spreadsheet to plan my monthly finances! I did leave a review a good while ago on the app store letting you know how Meaningful Money has helped me! I have attached a picture of my copy of your book, hope you don't mind all the post it notes! My question is surrounding Emergency Funds and what criteria we should apply as to whether something is an “emergency?” Classic things such as a broken down car, a leak in the house or the boiler breaking down are all perfect scenarios for an emergency fund. But what about other more vague scenarios? This question has come about because of my current situation. I unfortunately have a toxic boss and work environment which is affecting my mental health. It's clear I need to leave the job, as my continued attempts to change the environment and my mindset have been unsuccessful. So, I am about to hand in my resignation, in the next few weeks and just go ahead and use my emergency fund, as this detriment to my mental health cannot continue. However, there's a strong feeling inside that this isn't really what an emergency fund is for. Particularly too, as I don't have a strong exit plan. I have no other job lined up, I just need to get out of there. So what do you think? Should the fund have strict rules as to what is, and is not an emergency? I suspect your answer will be that the holder of the emergency fund decides what is and is not an emergency. That being said if there isn't strict rules surrounding it, then it would be quite easy for someone to decide a night out on the ale is an emergency due to a stressful week! Or can the rules be more “fluid” and a night down the pub is acceptable? Sorry about the pun! I'd be interested to know your thoughts. Thanks again and I look forward to hearing your response! Many Thanks, Phil 24:36  Question 5 Hi Pete & Roger Thanks for all your podcast episodes - I've been listening for years and you've saved me a lot of money through not needing to pay an advisor (thanks to your free info) and not making expensive mistakes. I'm not sure if I'm your core demographic (33yo woman in London) but find all your content useful for me, my friends, brother and parents. My question: I co-own a flat and live in it. My friend owns the other half but doesn't live with me. We have a joint residential mortgage and also have to pay a £250pm service charge and ground rent as it's a leasehold with right to manage. It's a 35yr mortgage so we get about £200pm equity and pay around £800pm interest. It's a great flat but I want to move to a larger property in a different area, initially renting as it'll take quite a long time to sell the flat (for various reasons I won't go into!). If we rent the flat out and I go and rent elsewhere, I'll be making a loss on the flat (I'm a 40% taxpayer and the rental income would cover the mortgage + service charge + agency fees but I believe I'd have to pay tax on income not profit hence the loss). There's also insurance, council registration fee, maintenance etc. Obviously I'd then pay rental money to a landlord too for the house I move to. I know property taxes have changed in recent years and I'm very supportive of landlords being taxed on profits. However, my initial research suggests that professional landlords who buy property through companies only pay tax on (company) profits whereas I'd pay tax on revenue. I'd pay 40% vs them paying corp tax (25% ish?). Is my understanding right and is there any regulation or tax relief specifically for "accidental" landlords who are also renting a home themselves rather than having a big empire of properties as a business? Also how would the tax work for co-owners, would I just pay 40% tax on half of the rental income? My friend lives abroad in case that's relevant. I know there are a lot of accidental landlords due to cladding, relationship changes etc so am hoping the question is also useful for other listeners. Thank you! Emma 32:33  Question 6 Thanks for an excellent podcast - one of the best in the personal finance space. Around 6 years ago I inherited a low 6 figure sum which I put into a GIA. Each year I have made Bed & ISA transfers to diffuse any Capital Gains and to move more of my money into a tax shelter. As we have had a strong investment environment over this period I still have a reasonable balance in the GIA. Now the government has reduced the annual Capital Gains allowance to such an extent that I expect to be unable to defuse all of my Capital Gains each year. This will limit the amount I can Bed & ISA and I expect the GIA balance to start increasing compounding the issue. To be honest I don't think this will be an unusual position to be in as you will not require an unfeasible balance in a GIA to pay CGT on "gains" solely due to inflation. My current plan is to allow the above to happen by only utilising my annual CGT allowance and not paying CGT while I am working. My question is how CGT is charged in early retirement. Lets say I stop working at 55 and don't take my pension until 57 (earliest I can). I will have no income for two years so my Personal Allowance will be unused. In this case can I make £15,570 of gains in the year before CGT? Searching online I can only find information on Basic and Higher Rate GGT and not Nil Rate. Thanks, Simon 38:43  Question 7 Hi, Love the podcast. I have some questions about pension contribution limits and tax relief. My taxable employment income for 2024/2025 is around £30k. I already contribute to a workplace pension via salary sacrifice. The total amount paid in by my employer is £12k. I am using my full ISA allowance but still have savings and investments in a GIA, not sheltered from tax and would like to pay a lump sum into a SIPP before the end of the tax year. My questions are: What's the maximum I can pay in? Is it £30k or do I have to subtract my employer workplace contributions, so only 18k? I keep finding conflicting information online! If it's 30k, does this mean I actually pay in 24k? If it's 30k, would I receive government top up on all of it, even though I didn't pay tax on the first £12,570? Does the contribution to a SIPP actually reduce my taxable income? So if I contribute the full £30k (assuming I can) is my personal allowance then unused by employment? I have savings and investments income of around £10k from my GIA. Would this then fall inside my personal allowance and no tax be due? Thanks for any help you can offer. I'm so confused with all the information online! Thanks so much for the podcast - keep up the good work. Alison  

We're back with another Q&A show, with a bit of a DB Pension tilt this time, though we even get into a question on equity release. We cover lots of ground, as always - hope it's useful! Shownotes: https://meaningfulmoney.tv/QA5  00:55  As you made a request for questions I thought I'd pose this (apologies in advance for the length, feel free to trim as required): I am single, mid-forties, with no dependents (I do have some family I plan to pass wealth on to, but when they need it rather than leaving it in my estate). I'm aiming for the mystical die with zero. As a home owner, and given I'm not worried about passing it on, would it be a good idea to start drawing on the capital locked up in my home via drawdown equity release (using say home reversion) before the investments in my pension and ISAs given this is the most illiquid and concentrated of my assets? Downsizing isn't really an option to release capital (it's a two-bed semi so property doesn't get much smaller). That said equity release looks to offer rates well below the market value (apparently they want to make a profit), certainly if you're on the younger end of the eligibility spectrum. It's far from the case of selling 50% of the house and getting that amount, even spread over a number of years. I could sell the house myself and rent instead, using the released money to pay the rent (and if the money is invested, provided my rent doesn't rise egregiously, it might even stay ahead of that cost). Though there are potential issues with that approach, certainly over the long term. Are there any other ways to unlock the capital tied up in my property? Regards, Lee   10:20  Hello Pete and Roger. I work in public sector and have a decent DB pension, larger part being final salary and lesser part CARE. I will be able to commute up to 25% with a commutation factor of about 24:1. Which will give me about £180,000 depending on when I leave. Upon retirement I will seek to move most into a 100% equities investment wrapper, I'm fairly happy with proportionate risk, as my DB pension will provide a life long index linked safety net, and I will also build a bit of cash ladder of declining risk. I have recently watched your ISA v Pension comparison with keen interest. It was fascinating to see that even though a pension is taxed, the tax relief going in, offset the tax going out, and the option of having both works particularly well in terms of tax efficiency and retirement planning. I had been putting a modest amount into a S&S ISA each month for the last few years, but recently opened a SIPP and am now sending the spare cash that way for the extra tax relief. It's very satisfying seeing the “free money” coming in each month.. I can potentially retire in 2 years at 55 with an actuarial reduction or continue working until 60, or retire sometime in between. I also have a preserved DB pension that I can take at 60 from a previous employer. In the mean time I want to keep saving and investing, and will try to ramp it up for next few years. My question is – It was pretty clear from your numbers that those with a DC pot are best with both ISA & SIPP in terms of tax efficiency and flexibility, but given that my DB pension will use up all my personal tax allowance, does that swing the momentum on where to invest back in favour of an ISA over a SIPP, as other than the 25% tax free element, I would pay basic rate tax on all my SIPP drawdown.  I'm sure other people with either a modest DB pension or secondary passive income could find themselves in similar quandary.  ( I'm aware all could change after the next budget. )   I live up north, houses are cheap as chips, therefore IHT unlikely to be a major concern in terms of decedents. Chris   16:47  Loving the sultry combination of the north and south tones! I've been listening to the podcast for several years now, and you've given me loads of practical tips that I've been able to take forward. However, I've recently received an ADHD diagnosis, and while I earn a good salary, my impulsivity often leads to overspending, and I'm finding it difficult to maintain control over my finances. I have a monthly planner that I check regularly with the bills, so they are ok, but on spending it is always difficult, and I often dip into credit card usage. I would really appreciate any advice or practical tips you could offer for someone like me, who struggles with impulsive spending with a disability. Things like “just don't spend money” just don't work! Are there any specific strategies, tools, or approaches that can help someone with neurodiversity, particularly ADHD, to manage their money more effectively? Thanks again for the amazing content you put out. Looking forward to any guidance you can provide. Best regards, Ian   22:53  My question / suggestion relates to listeners with Defined Benefit (DB) pensions. Although they're becoming rarer, there is still a sizeable minority of people who have DB pensions. I suspect the majority of them are (or have previously been) employees in the public sector – but they'll run to quite a high number. For instance, there are 1.5 million current employees in the NHS, half-a-million Civil Servants, half-a-million teachers, Police, Fire Fighters etc etc. Double that to allow for all the former employees, plus those with DB pensions in the private sector, and you're talking decent numbers. I've learned a lot over recent years from your Podcast, but there have been a number of occasions where you've alluded to the fact that financial planning advice might differ for folk with DB pensions. One example might be the topic of opening a separate SIPP (in addition to the DB pension) to supplement retirement income (or to fund early retirement) or to move money outside the person's estate. Another example might be the balance of ISA versus Pension: with some DB schemes, the benefit of “topping-up” is reduced compared with those in DC pensions. In many cases the employer isn't adding “free money” to your pot, so for many there may be more reason to lean towards ISA contributions. Another difference might be the topic of investment risk – if someone with a DB pension has a guaranteed inflation-proof income in retirement, might they be wise to consider higher risk investments? And certainly without the dreaded “profiling”. Another example (as alluded to earlier) might be in Estate Planning: with a DB pensions, there's no “pot” of invested money lying outside one's estate, so there's no IHT advantage. I realise this might amount to more than just a 5-minute topic for your Q&A edition, but I think you'd have enough listers to make a whole episode for DB pension recipients. What to you reckon? Thanks for all the great advice. Best wishes, Dr Pete   29:43  Thank you for all of your support over the years through the podcast and YouTube. I work for the NHS which is very tough at the moment but it does give me the benefit of a defined benefit pension when I get there. I am 35 years old but am wanting to make sure I am saving enough for retirement but also to make sure that I have enough for my children to support them through university and starting life! My wife is a fantastic stay at home Mum. We are aiming to have the “comfy” level of retirement at £58000 that you have previously mentioned which should give us some capacity to support the children! I earn £58000 plus about £7000 as a side hustle. I save into my NHS pension, save about 50% of the side hustle income into a SIPP, and save around £400 into a S&S ISA and £200 into cash savings each month. There are lots of examples about how much you should save but I haven't found anything when you are part of the NHS/other DB pension. Am I saving enough, or too much? I don't want to miss out on life now by over saving! Thanks, Alex   36:13  Enjoying listening to another excellent podcast where I heard the shout out for questions. One I had is “what's the best tax efficient way to save for kids futures? I started going down the path of saving into JISA's, but then didn't like the idea of being unable to access the money on their behalf, or them to do so before 18. I contribute to premium bonds, but theoretically that will be capped at £50k (here's hoping!). Any other obvious good suggestions?” Thanks & keep it up, continue to love the show. Cheers, Chris

The South Island Prosperity Partnership (SIPP)  works to fulfil its name by creating innovative and inclusive economic prosperity for Southern Vancouver Island. In this Chamber Chat CEO Bruce Williams discusses SIPP with their CEO Aaron Stone.

It's another Q&A show, and this week we cover managing finances under an LPA, Maternity pay, and what to do with a big windfall, plus lots more besides! Shownotes: https://meaningfulmoney.tv/QA4  00:58  Big fan of the show. Really appreciate your work. Dad is 92 with rapidly declining health (Dementia and mobility issues). He is still living at home with Mum (80) who is caring for him with family help. At the moment, it is about manageable. I am managing their finances. We have moved the majority of savings into my mum's accounts. I have used up mum's entire ISA allowance for this year. There is still around £38k of savings sitting in a no interest paying Barclays account. Due to their ages, I do not want to tie up the cash for too long, though at this point in time, they do not need to use this money as they are still able to live off my Dad's pension. Can you suggest how I might manage this chunk of cash? Possibly a simple savings account, but I am aware that the interest rates are not exactly brilliant, and I wonder about moving into a GIA instead (I have moderate experience buying/selling shares in my own SIPP and ISA, though I am personally high on the risk curve with investments heavily in MSTR and TSLA). Any advice would be appreciated. Cheers, Rich 05:08  Love the podcast (obviously!), it's genuinely very helpful and has really helped me get my stuff together!!! Not sure if this is something you'd know about but, do you think you would be able to explain to me in your very listenable way, how to work out maternity pay, as in how it's actually calculated and how to plan to make up the difference etc plus anything else that might be helpful that I don't even know that I don't know!! I can't really find what I'm looking for anywhere else so just thought I'd ask as I find your explanations of things easy to understand (and could listen to you chat about anything tbh)!! Thank you! Jess 12:16  Thanks so much for your brilliant podcasts. I love the idea of the question and answer ones! I have a fun question I have been meaning to ask for ages. I keep my contingency fund in premium bonds, and I periodically enjoy a thought experiment, around what I would do if I were to win the big prize of £1 million. (I fully realise this will never happen, but it is a helpful thought experiment to get me thinking about where my priorities lie in case I do receive a much smaller lump sum in the future). I have no bad debts, I have a contingency pot and I contribute to a pension and ISA. My hypothesis is that I would give some to charity (maybe 10%?), might retain 5% for fun – a nice holiday or an upgrade to my car, would max out my ISA and pension,  and then would split the rest between a world index tracker and one or two investment properties. I'm curious to hear your thoughts on this and how you would allocate. Thanks! Justyn 17:52  The mantra is that the most important time to take advice is when nearing retirement. That's certainly true for us now, and my other half sought some regulated advice recently in respect to tax free cash and pension recycling rules. The advice was provided (that it was not tax free cash recycling) & so we are continuing with the plan as discussed  / agreed with the regulated IFA that we contracted the discussion with (we checked the company and the individuals credentials out on the FSA website .. All good). The question is (call me paranoid, but quite a lot of money – for us, is involved) what happens if in due course HMRC come to us and effectively look to impose penalties for us acting in accordance with the regulated advice provided / paid for (ie, they dont agree with it / decide it has broken the recycling rules)? I have no (sane) reason to suggest this will happen, but paranoia is a terrible thing!! Keep up the good work (oh, and Roger as well) Regards, Kevin Milsom 23:02  With UK inflation now only 1.7% (from 16 Oct 24), are we in a very unusual phase were inflation is less than half of the rate you can easily get on savings? This leads onto thinking about investing versus savings – we all invest to try and beat inflation, but we can currently do this easily with no risks via savings accounts. It is a conversation my wife and I are having at the moment! She is  ‘saver' and I am an ‘investor'. Of course we have a good mix of both from all the guidance you have provided. Cheers. Dave Hicklin 27:40  Hello gents! Big fan of the podcast and the YouTube channel. Thanks for everything you do! Question for you – which I realise is pretty niche so you may not want to cover it. I am in the fortunate position of reaching max pension taper threshold (due to a great salary, some even greater RSU awards and an increasing company share-price!). I have some pension contribution carry-forward but will have used this all up by FY26. My employer do a 7% pension contribution if employee contributes 4%. But for those reaching taper threshold, you can opt out and the company will instead just give the 7% on top of your salary (which is very generous!). Thinking ahead, my question is: – Would it be better to: a) take the combined 11% contribution and opt for a scheme-pays for the tax above the £10k allowance when time comes. I am thinking this way I still get a years worth of investment of the pre-tax money before the tax is paid – which might be beneficial? or b) opt out and take the post-tax increase in salary and put this somewhere else? My wife's and mine ISAs will be maxed already, so would have to be GIA most likely (or premium bonds!?). I'm thinking A makes most sense. I still get the £10k tax free and benefit from some further untaxed money working for me for a little while at least. The tax has to be paid either way, but I am delaying it till later. What do you both think? Thanks very much! Paul

► Get a free share! This show is sponsored by Trading 212! To get free fractional shares worth up to 100 EUR / GBP, you can open an account with Trading 212 through this link https://www.trading212.com/Jdsfj/FTSE. Terms apply. When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results. ► Get 15% OFF Finchat.io: Huge thanks to our sponsor, FinChat.io, the best investing toolkit we've discovered! Get 15% off your subscription with code below and unlock powerful tools to analyze stocks, discover hidden gems, and build income streams. Check them out at FinChat.io! https://finchat.io/playingftse/?lmref=iQl2VQ ► Episode Notes: What does a soup made of Irn Bru and gammon taste like? Find out on this week's PlayingFTSE Show! It's been a very mixed week in the stock market this week, with the FTSE 100 up but the S&P 500 down. But has which Steve has managed to stay ahead of both of them? The UK government has announced an investigation into the LISA to kick off 2025. But it's not yet clear what's going to change – the withdrawal costs, the house limit, or everything. Steve W has a LISA, Steve D does not. But what's the point of them when there are SIPP opportunities for UK investors with cash to invest for the long term?  Greggs has reported earnings this week and Steve W is confused. He didn't see this as a strong quarter with like-for-like sales weak from a company that's supposed to be resilient.  Everyone else seems to think otherwise, though. But they don't seem to be willing to buy the stock at the moment – so maybe it wasn't such a good report after all.  Christmas is now in the books and it's time to look at who did what on the retail front. Steve D's been looking at Tesco, Aldi, and Asda to see where people have been shopping.  The truth is, it's not really Asda. But Tesco looks like it continues to go from strength to strength, defending its market position well against the discounters.  B&M is another stock that fell sharply this week. But with a £151m special dividend and revenues continuing to grow, does a declining share price make any sense at all? Steve W thinks it does. A dividend cut and declining store performance doesn't paint a good picture, but the stock might be worth a look after losing another 11% of its market value. Who wants to buy bonds? Quite a few people, actually, but not enough to stop UK borrowing costs hitting their highest levels in over two decades.  Investors might be tempted to take a look at a very low-risk investment. But Steve and Steve are more interested in the implications for UK stocks… Only on this week's PlayingFTSE Podcast! ► Support the show: Appreciate the show and want to offer your support? You could always buy us a coffee at: https://ko-fi.com/playingftse (All proceeds reinvested into the show and not to coffee!) There are many ways to help support the show, liking, commenting and sharing our episodes with friends! You can also check out our clothing merch store: https://playingftse.teemill.com/ We get a small cut of anything you buy which will be reinvested back into the show... ► Timestamps: 0:00 INTRO & OUR WEEKS 6:50 LISA BEING REVIEWED 13:41 GREGGS 20:07 WHO WON XMAS 33:27 B&M EUROPEAN VALUE 44:52 GILTS - THE ACTUAL STORY ► Show Notes: What's been going on in the financial world and why should anyone care? Find out as we dive into the latest news and try to figure out what any of it means. We talk about stocks, markets, politics, and loads of other things in a way that's accessible, light-hearted and (we hope) entertaining. For the people who know nothing, by the people who know even less. Enjoy ► Wanna get in contact? Got a question for us? Drop it in the comments below or reach out to us on Twitter: https://twitter.com/playingftseshow Or on Instagram: https://www.instagram.com/playing_ftse/ ► Enquiries: Please email - playingftsepodcast@gmail(dot)com ► Disclaimer: This information is for entertainment purposes only and does not constitute financial advice. Always consult with a qualified financial professional before making any investment decisions.

Good to be back with another Q&A show to kick off the new year. This week we cover, ETFs, Pension contributions for high earners, tax relief for non-earners and lots more besides. Shownotes: https://meaningfulmoney.tv/QA3 02:21 First of all I have to thank you for the many years of enlightening listening that I have enjoyed. I thought it was excellent when Pete created the content, however it only improved with the addition of Rog. Yours is by far the best personal finance podcast that I listen to, and long may it continue. My question revolves around index funds & ETF's. Many of the American podcasts cite the advantages of ETF's over traditional index funds (unit trusts) however from what I understand this is due to tax considerations which apply in the US & not here. Please could you confirm if this is the case. I use a Vanguard index fund (unit trust) and wish to continue doing so, however am I missing out on not using ETF's? Thanks again for all that you do for us, your listeners. Best wishes, Steve Horton 07:32 Love the podcast! I'm trying to understand what I can pay into my workplace pension. I'm close to £180k on my P60 & have no other income. My firm pay 6% into my pension, I then pay 6% which they also match. In addition I contribute another 2% so 20% in total, approx. £27k for a Pension Input Period. Feels like I have a relatively simple setup but I'm worried about breaching any limits around the £60k. Do I really need advice as I feel like I should be able to work this out myself! Thanks Steve D 11:26 I am 38 and 4 years ago came into a large sum of money (£600k). My wife and I were in decent shape with a manageable mortgage, life/CI insurance, decent pension balances. I opted to not employ a financial advisor, mainly because I was wary of fees. I am now questioning my decision. I have slowly been putting the money into my SIPP and ISA, keeping the rest in a GIA (invested in global index - Vanguard), paying  the tax on dividends and, with time, capital gains. Also been using my wife's allowances. My question is this, was I silly to not employ a FA? Would there have been an obvious non-risky way of protecting the GIA balance from the tax-man, which would have paid for the FA many times over? We're still saving into the GIA with regular monthly direct debits, although modest amounts. Love your podcast/YouTube output, which I feel have made me a better citizen - more relaxed because I am sure that my finances are unlikely to have any nasty surprises! Keep up the good work. Stuart 16:32 I've been listening to your great podcast for years and have a simply question for you both. If I am retired with no earnings and taking money from my drawdown pot, can I still contribute £2880 into a pension and get the £720 tax relief off the government? Can I do this even if I might not even be paying tax? Nigel 19:33 I'm 57, self employed (so no employer contribution for me!) and have a SIPP and Stocks and shares ISA. Basic rate taxpayer. I plan to start drawing from these in a few years time. I'm wondering ( as there aren't going to be many years for the compounding ) whether it's still worth adding to my SIPP? I'll get the tax uplift if I put money into my SIPP but then 3/4 will then become taxable but I don't think there will be enough time to make a gain large enough to offset the tax I will then pay. Should I just bung everything into my ISA? Have I missed something? Thanks very much if you're able to answer my question! Best LC 25:23 I made a mistake when starting my investment journey by choosing platform recommended funds which are currently not performing well. I have had them for 3 years, is it best to cut my losses and invest in to my choice of global multi asset fund which I've had for 2 years that has been performing well? Thanks, Marc 30:08 Matthew asks: 1. My wife and I are selling both our homes (bought before together) and moving into a rental for 1-2years in a new area before we buy. We will have £500k in cash for 1-2years. Are we best investing in government bonds? Premium bonds? High interest savings accounts? We're both top rate tax payers and have no other assets. 2. My NHS salary will soon go over £100k and we are starting a family. You speak a lot about overpaying pension for tax reasons and it also helps keep the £20k childcare allowance. I don't think I can overpay an NHS pension, or can I? Others seem to be getting cars on lease to avoid it. Any ideas?

In this video I discuss the recently announced changes to Vanguard UK fees. This took me by surprise. In short, if you have

Join Julie and Ginger in speaking to Carey Sipp talking about early childhood intervention.  Carey is a solutions journalist and “Neuro-Nurturing ®” advocate who has written about the science of adverse childhood experiences* (ACEs) for about 15 years. She has also worked in communications for nonprofit organizations and for-profit organizations for some four decades. As a person with the experience of trauma and depression, Sipp's inherent empathy is reflected in all her work, be it writing, speaking, or advocating. An avid nature photographer, shew also loves taking photographs of children and families. Sipp is thrilled that her children, now “thirty-somethings”, are living their dreams of active outdoor lifestyles and careers in recreation and healthcare in Montana. Carey refers to the following resources: PACEs science  Deb McNelis Neuro-Nurturing ®” -https://www.braininsightsonline.com/  “First 60 Days” booklet: Leveraging author's work and movement could spark revolution to prevent and heal trauma, one precious baby, child, and caregiver at a time. Carey's book: https://a.co/d/eyAGX7q Bruce Perry and Oprah Winfrey “What happened to you?” https://a.co/d/0HqYxfD Dr. Christina Bethel https://pubmed.ncbi.nlm.nih.gov/31498386/ Ed Tronick-The Power of Discord https://a.co/d/e5KfXUq https://www.pacesconnection.com/blog/exciting-news-paces-connection-is-back Still face baby experiment video https://www.youtube.com/watch?v=f1Jw0-LExyc How to raise a Viking https://a.co/d/1gEhVle

Monty from @montylanefinance joins me on this episode of the podcast to talk all things investing. Monty has grown his investment portfolio from £0 to £89,000+ over the last 3 years, spread across a Stocks & Shares ISA and SIPP, and is on his way to a six-figure investment pot. That's a huge sum of money in a short space of time - so I wanted to find out how he did it. We discuss Monty's switch from individual stocks to index funds and ETFs, the two investment platforms that he uses, as well as the five specific funds that Monty invests into to build his wealth. Listen to the full episode for all the details! -----------------------------------------------

It's time for another listener Q&A! This time we cover paying off student loans, old pensions, alternative to pensions and ISAs and much more. Shownotes: https://meaningfulmoney.tv/QA2    00:40   Sophie - My question is that I am about to start earning a lot more than I thought I was as a graduate. I have always been told to ignore my student loans by my parents as it's essentially a tax, but looking at some calculators I would pay it all off in 25 years before it gets cleared and pay more than double the £45,600 in interest. I'm thinking of trying to overpay it off more quickly than that as it seems very big to have especially with 7.3% interest rate. I'm not sure if I should prioritize this, as I could start now, but as I'm starting work I'm still very uncertain of what to save and how I should treat this debt. Or should I not worry about it this early on? 06:55   Ellie - My partner recently traced a pension from an old employer. When he contacted the company they told him the pension was all paid out to him when he left the company, 9 years ago. He was 28 at the time. Is that possible? I believed it wasn't possible to access pensions until 10 years before state pension age. The exceptions I'm aware of (certain types of job/illness) aren't relevant here. I can't believe this pension would have had particularly special properties. It was while he was working for Experian. He doesn't remember receiving a lump sum, and is checking with his bank (it's too far back to see online). Did the person he spoke to just make a mistake? He is reluctant to go back to them without anything concrete, and it is hard to trust what they say. Any advice on what to do next? 12:15   Joanne - I am a higher rate tax payer and contribute to a SIPP on top of my employer pension (very generous DB scheme) to keep my earnings underneath £100k so that I can benefit from free childcare hours and about the 60% tax trap bracket between £100-£125k. However, I am now breaching the annual £60k pension allowance and so end up paying significant tax on the additional pension contributions in my self assessment. I am so aware that this is a privileged position to be in and want to contribute my fair share of tax but I wondered what other channels I should be exploring to be as tax efficient as possible please (I have never dabbled in VCTs!) 18:44   James - How do I weigh up the relative value of AVC on my DB pension rather than investing in a LISA or S&S ISA where I retain my capital? 22:25   Giles - I have fallen into the 60% tax trap on a number of occasions, to mitigate this I have tried to top up my pension to get my earnings below 100k to reduce my tax bill. Being the main earner and with 2 very expensive teenagers I don't have enough spare cash to do this easily so have taken the money out of a S+S ISA in the past. I know this shifts the balance of my assets massively into pensions but it seems worth it to reduce tax. My question being is this a reasonable plan? Is it a good idea to do this or am I better keeping retirement options more flexible with a larger ISA pot?

Iain from @IainJGeddes joins me on this episode of the podcast to talk about investing for your children.  If you don't currently have children, this is useful future information. Even if you don't want children, you can hopefully pass on this knowledge to friend's children, nephews and nieces.  We have three main options: Junior Stocks & Shares ISA, Junior SIPP, or using part of your own adult Stocks & Shares ISA allowance.  Each option has different pros and cons.  The key with the two ‘Junior' options is that the money legally becomes your child's at 18 (Junior Stocks & Shares ISA) or at 55 (Junior SIPP).  If you're skeptical they may misuse the money, or you just want more control, you can use part of your own adult ISA allowance - assuming you have some left - to invest for your children. The greatest asset that children have is time. Due to compound interest, even small amounts contributed today have the chance to grow for decades to come. Listen to the full episode for all the details! -----------------------------------------------

Next Saturday (25th October) sees a major conference take place in Teagasc Oak Park in Carlow. Entitled 'Future Plant Health Responders', it will deal with topics such as climate-driven pests and pathogens, crop protection and more. Terry Flanagan met with Dr. Aisling Moffet, founder of Entosoc, and Dr. Anna Tiely, chairperson of SIPP.

The This is Money podcast recently welcomed Sir Steve Webb for a special episode where he answered listeners' questions on everything you need to know about pensions. In this excerpt, Steve and Simon Lambert discuss whether you should invest in a work pension or Sipp - and how to make the most of them. > Listen back to the full Steve Webb pensions episode

Castro Coleman, aka Mr. Sipp, was born in McComb, MS and has been playing the guitar since the age of 6. A Malaco recording artist, he was awarded The Blues Foundation 2016 Best New Artist for his album, The Mississippi Blues Child. This week we feature a live performance from the Mighty Mississippi Music Festival captured during Bridging the Blues. (original air date 12.07.16) BSC contributor William Lee Ellis continues his series, Religion and the Blues.

Life discussions

Life discussions

Life discussions

Artist. Honors student. Future engineer. Playmaker. Kyson Brown is a lot of things, and as Sun Devil fans saw in Saturday's season opener, the running back they call "Sipp" is primed to be a big part of ASU's present and future.  On this episode, we discuss his football origins in Mississippi and Texas, his biggest plays, what spurred his interest in art and architectural engineering, his growth on and off the field, and more.  

Mr. Sipp performs live at the 2024 Blues Music Awards on Edition 655 of Blues Radio International, with T Bone Walker, Muddy Waters, Albert & Rayne Castiglia feat. Christone "Kingfish" Ingram, and Sara Lazarus.Photograph by Laura Carbone.Find more at BluesRadioInternational.net/

In this week's episode, I'm joined by Oli and Ash, the founders of Sipp'd, a craft soda brand that, now that you've heard of it, you'll start seeing everywhere!Their journey is an inspiring one — two accountants who decided to leave their careers behind and launch a business together in November 2019, just before the Covid pandemic struck.We dive into the challenges they faced during that uncertain time, how they adapted when the pandemic hit, and how they scaled the business despite numerous challenges. We also explore the realities of being your own boss and what sets their product apart from traditional sodas.Oli and Ash share invaluable advice on bootstrapping a business, using social media for free marketing, and the lessons they've learned along the way—offering guidance to aspiring entrepreneurs.They also discuss the exciting opportunities for challenger brands in today's market, and I hope this conversation inspires you on your own journey.Expect to learn:05.30 The Birth of a Business Idea07.15 Quitting Jobs and Starting Fresh09.25 Navigating COVID Challenges12.40 Early Sales and Market Strategies15.05 Growth and Expansion17.35 Balancing Work and Personal Life23.25 Product Development and Refinement26.00 Manufacturing Process Insights33.30Craft Beer Collaboration35.00 Business Evolution and Goals36.40 Lessons for Aspiring Entrepreneurs39.40 The Importance of Resilience41.30 The Power of Partnerships53.15 Navigating Sales and Rejection56.25 The Role of Social MediaSipp'dWebsite - www.sippd.co.ukInstagram - www.instagram.com/sippd_drinksGet In Touch:LinkedIn - www.linkedin.com/in/jay-lawrence-5a4b3357/Website - ambitiousmindspodcast.comInstagram - www.instagram.com/ambitiousmindspodcast Hosted on Acast. See acast.com/privacy for more information.

Intro Song –  Billy the Kid, “Who”, I Can't Change, 5:00pm 
First Day - Friday Aug 9 
 Altered Five Blues Band, “All Suit, No Soul”, Holler If You Hear Me, 6:30  
 Nick Moss Band, “Man On The Move”, Get Your Back Into It!, 8:00
 Desoto Tiger with Damon Fowler, Jason Ricci, & Jonathan Boogie Long, 9:45
 Damon Fowler, “Road Runner”, Barnyard Smile
 Jason Ricci, “Ain't She Fine”, Behind The Veil
 Jonathan Long, “Natural Girl”, Jonathan Long Desoto Tiger with Damon Fowler, Jason Ricci, & Jonathan Boogie Long, “Snatch It Back” 

Second Set – Saturday, Aug 10, 12:00-11:00
 Piper & The Hard Times, “Working Farm Blues”, Piper & The Hard Times, 12:00 Ben Prestage, “Rag”, Real Music, 1:30 
Eden Brent, “Get The Hell Out of Dodge”, Jigsaw Heart, 3:00 
 Katie Henry, “Bayou Boogie”, Get Goin', 4:30
 Matt Schofield, “Don't Know What I'd Do”, Anything But Time, 6:00 
Selwyn Birchwood, “Showtune”, Exorcist, 7:30 
The Three Kings, with: Albert Castiglia, Chris Cain, & D.K. Harrell, 9:30
 Albert Castiglia, “Godfather of the Blues”, These Are The Days
 Chris Cain, “Thankful”, Raisin' Cain
 D.K. Harrell, “While I'm Young”, The Right Man Third Set - Sunday, Aug 11, 1:00-10:00 Joe Waters, “Blues Pilin' Up”, YouTube, 1:00 CFG & The Family, “Funk Blues”, CFG & The Family, 2:30 Shaun Booker Dammit Band, “Grillin' Time”, Angry Blues, 4:00
 Lil' Ed & The Blues Imperials, “Tired of Crying”, Rattleshake, 5:30
Bywater Call, “Sea We Swim”, Remain, 7:15 Mr. Sipp, “Juke Joint”, Knock A Hole In It, 8:45


The ‘Not The Martin Lewis' Podcast: Where Martin asks specialists your questions.

https://www.shrm.org/topics-tools/news/benefits-compensation/black-workers-still-earn-less-white-counterparts#:~:text=On%20average%2C%20black%20men%20earned,by%20a%20white%20male%20worker.https://www.census.gov/library/stories/2024/04/wealth-by-race.html#:~:text=Households%20with%20a%20White%2C%20non%2DHispanic%20householder%20had%2010%20times,and%20Program%20Participation%20(SIPP).

2024 Grammy winning artist, Mr. Sipp joins Lisa Dent to talk about the early beginnings of his career, his love for the blues and gospel, and about his new album Old Time Church (Live). You can see Mr. Sipp this weekend at the Chicago Blues Festival. Follow The Lisa Dent Show on Twitter:Follow @LisaDentSpeaksFollow @SteveBertrand […]

This is Part 2 in a 2-Part Series where I go through Amazon's new FBA fees. In this second part I go over Amazon's new SIPP program, the Low-Inventory-Level Fees, the Returns Processing Fees, and my final thoughts and strategies for how to avoid these fees as an FBA seller. My Socials - Twitter: @Aaron_Cordovez - Instagram: @AaronCordovez - YouTube: @AaronCordovez - TikTok: @AaronCordovez - LinkedIn:  @AaronCordovez

Daniel Kahneman was the pioneer of behavioural economics and won a Nobel Prize for his work on cognitive biases. By explaining how a litany of psychological missteps skew our decisions, few people have had more influence on investing. We discuss how Kahneman improved our investing judgement and taught us to manage risk intelligently. And in today's Dumb Question of the Week: Are stock analysts' price targets worth anything? Thanks to Freetrade for sponsoring this episode. Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to: Freetrade.io/transfer. New and existing customers. Min £10k transfer or top up. Annual subscription required. Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. The value of your investments can go down as well as up and you may get back less than you invest. Tax treatment depends on personal circumstances and current rules may change. At present, Freetrade only supports Uncrystallised Fund Pension Lump Sums (UFPLS) for customers who wish to withdraw funds from their SIPP after their 55th birthday. We strongly encourage you to seek financial advice before making any withdrawals from your SIPP. ---Get in touch

A dramatic reading by Jason Louv of the 1819 poem "The Fall of Hyperion—A Dream" by John Keats, set to music by Jason. Not uncommon for the 19th century, it is awash in occult and Hermetic symbolism.  Show Links Magick.Me Magick.Me's Fast-Growing YouTube Channel: Like and Subscribe!!!   The full text of the poem follows: "The Fall of Hyperion—A Dream" John Keats CANTO I Fanatics have their dreams, wherewith they weave A paradise for a sect; the savage too From forth the loftiest fashion of his sleep Guesses at Heaven; pity these have not Trac'd upon vellum or wild Indian leaf The shadows of melodious utterance. But bare of laurel they live, dream, and die; For Poesy alone can tell her dreams, With the fine spell of words alone can save Imagination from the sable charm And dumb enchantment. Who alive can say, 'Thou art no Poet may'st not tell thy dreams?' Since every man whose soul is not a clod Hath visions, and would speak, if he had loved And been well nurtured in his mother tongue. Whether the dream now purpos'd to rehearse Be poet's or fanatic's will be known When this warm scribe my hand is in the grave. Methought I stood where trees of every clime, Palm, myrtle, oak, and sycamore, and beech, With plantain, and spice blossoms, made a screen; In neighbourhood of fountains, by the noise Soft showering in my ears, and, by the touch Of scent, not far from roses. Turning round I saw an arbour with a drooping roof Of trellis vines, and bells, and larger blooms, Like floral censers swinging light in air; Before its wreathed doorway, on a mound Of moss, was spread a feast of summer fruits, Which, nearer seen, seem'd refuse of a meal By angel tasted or our Mother Eve; For empty shells were scattered on the grass, And grape stalks but half bare, and remnants more, Sweet smelling, whose pure kinds I could not know. Still was more plenty than the fabled horn Thrice emptied could pour forth, at banqueting For Proserpine return'd to her own fields, Where the white heifers low. And appetite More yearning than on earth I ever felt Growing within, I ate deliciously; And, after not long, thirsted, for thereby Stood a cool vessel of transparent juice Sipp'd by the wander'd bee, the which I took, And, pledging all the mortals of the world, And all the dead whose names are in our lips, Drank. That full draught is parent of my theme. No Asian poppy nor elixir fine Of the soon fading jealous Caliphat, No poison gender'd in close monkish cell To thin the scarlet conclave of old men, Could so have rapt unwilling life away. Among the fragrant husks and berries crush'd, Upon the grass I struggled hard against The domineering potion; but in vain: The cloudy swoon came on, and down I sunk Like a Silenus on an antique vase. How long I slumber'd 'tis a chance to guess. When sense of life return'd, I started up As if with wings; but the fair trees were gone, The mossy mound and arbour were no more: I look'd around upon the carved sides Of an old sanctuary with roof august, Builded so high, it seem'd that filmed clouds Might spread beneath, as o'er the stars of heaven; So old the place was, I remember'd none The like upon the earth: what I had seen Of grey cathedrals, buttress'd walls, rent towers, The superannuations of sunk realms, Or Nature's rocks toil'd hard in waves and winds, Seem'd but the faulture of decrepit things To that eternal domed monument. Upon the marble at my feet there lay Store of strange vessels and large draperies, Which needs had been of dyed asbestos wove, Or in that place the moth could not corrupt, So white the linen, so, in some, distinct Ran imageries from a sombre loom. All in a mingled heap confus'd there lay Robes, golden tongs, censer and chafing dish, Girdles, and chains, and holy jewelries. Turning from these with awe, once more I rais'd My eyes to fathom the space every way; The embossed roof, the silent massy range Of columns north and south, ending in mist Of nothing, then to eastward, where black gates Were shut against the sunrise evermore. Then to the west I look'd, and saw far off An image, huge of feature as a cloud, At level of whose feet an altar slept, To be approach'd on either side by steps, And marble balustrade, and patient travail To count with toil the innumerable degrees. Towards the altar sober paced I went, Repressing haste, as too unholy there; And, coming nearer, saw beside the shrine One minist'ring; and there arose a flame. When in mid May the sickening East wind Shifts sudden to the south, the small warm rain Melts out the frozen incense from all flowers, And fills the air with so much pleasant health That even the dying man forgets his shroud; Even so that lofty sacrificial fire, Sending forth Maian incense, spread around Forgetfulness of everything but bliss, And clouded all the altar with soft smoke, From whose white fragrant curtains thus I heard Language pronounc'd: 'If thou canst not ascend 'These steps, die on that marble where thou art. 'Thy flesh, near cousin to the common dust, 'Will parch for lack of nutriment thy bones 'Will wither in few years, and vanish so 'That not the quickest eye could find a grain 'Of what thou now art on that pavement cold. 'The sands of thy short life are spent this hour, 'And no hand in the universe can turn 'Thy hourglass, if these gummed leaves be burnt 'Ere thou canst mount up these immortal steps.' I heard, I look'd: two senses both at once, So fine, so subtle, felt the tyranny Of that fierce threat and the hard task proposed. Prodigious seem'd the toil, the leaves were yet Burning when suddenly a palsied chill Struck from the paved level up my limbs, And was ascending quick to put cold grasp Upon those streams that pulse beside the throat: I shriek'd; and the sharp anguish of my shriek Stung my own ears I strove hard to escape The numbness; strove to gain the lowest step. Slow, heavy, deadly was my pace: the cold Grew stifling, suffocating, at the heart; And when I clasp'd my hands I felt them not. One minute before death, my iced foot touch'd The lowest stair; and as it touch'd, life seem'd To pour in at the toes: I mounted up, As once fair angels on a ladder flew From the green turf to Heaven. 'Holy Power,' Cried I, approaching near the horned shrine, 'What am I that should so be saved from death? 'What am I that another death come not 'To choke my utterance sacrilegious here?' Then said the veiled shadow 'Thou hast felt 'What 'tis to die and live again before 'Thy fated hour. That thou hadst power to do so 'Is thy own safety; thou hast dated on 'Thy doom.' 'High Prophetess,' said I, 'purge off, 'Benign, if so it please thee, my mind's film.' 'None can usurp this height,' return'd that shade, 'But those to whom the miseries of the world 'Are misery, and will not let them rest. 'All else who find a haven in the world, 'Where they may thoughtless sleep away their days, 'If by a chance into this fane they come, 'Rot on the pavement where thou rottedst half.' 'Are there not thousands in the world,' said I, Encourag'd by the sooth voice of the shade, 'Who love their fellows even to the death; 'Who feel the giant agony of the world; 'And more, like slaves to poor humanity, 'Labour for mortal good? I sure should see 'Other men here; but I am here alone.' 'Those whom thou spak'st of are no vision'ries,' Rejoin'd that voice; 'they are no dreamers weak; 'They seek no wonder but the human face, 'No music but a happy noted voice; 'They come not here, they have no thought to come; 'And thou art here, for thou art less than they: 'What benefit canst thou do, or all thy tribe, 'To the great world? Thou art a dreaming thing, 'A fever of thyself think of the Earth; 'What bliss even in hope is there for thee? 'What haven? every creature hath its home; 'Every sole man hath days of joy and pain, 'Whether his labours be sublime or low 'The pain alone; the joy alone; distinct: 'Only the dreamer venoms all his days, 'Bearing more woe than all his sins deserve. 'Therefore, that happiness be somewhat shar'd, 'Such things as thou art are admitted oft 'Into like gardens thou didst pass erewhile, 'And suffer'd in these temples: for that cause 'Thou standest safe beneath this statue's knees.' 'That I am favour'd for unworthiness, 'By such propitious parley medicin'd 'In sickness not ignoble, I rejoice, 'Aye, and could weep for love of such award.' So answer'd I, continuing, 'If it please, 'Majestic shadow, tell me: sure not all 'Those melodies sung into the world's ear 'Are useless: sure a poet is a sage; 'A humanist, physician to all men. 'That I am none I feel, as vultures feel 'They are no birds when eagles are abroad. 'What am I then? Thou spakest of my tribe: 'What tribe?' The tall shade veil'd in drooping white Then spake, so much more earnest, that the breath Moved the thin linen folds that drooping hung About a golden censer from the hand Pendent. 'Art thou not of the dreamer tribe? 'The poet and the dreamer are distinct, 'Diverse, sheer opposite, antipodes. 'The one pours out a balm upon the world, 'The other vexes it.' Then shouted I Spite of myself, and with a Pythia's spleen, 'Apollo! faded! O far flown Apollo! 'Where is thy misty pestilence to creep 'Into the dwellings, through the door crannies 'Of all mock lyrists, large self worshipers, 'And careless Hectorers in proud bad verse. 'Though I breathe death with them it will be life 'To see them sprawl before me into graves. 'Majestic shadow, tell me where I am, 'Whose altar this; for whom this incense curls; 'What image this whose face I cannot see, 'For the broad marble knees; and who thou art, 'Of accent feminine so courteous?' Then the tall shade, in drooping linens veil'd, Spoke out, so much more earnest, that her breath Stirr'd the thin folds of gauze that drooping hung About a golden censer from her hand Pendent; and by her voice I knew she shed Long treasured tears. 'This temple, sad and lone, 'Is all spar'd from the thunder of a war 'Foughten long since by giant hierarchy 'Against rebellion: this old image here, 'Whose carved features wrinkled as he fell, 'Is Saturn's; I Moneta, left supreme 'Sole priestess of this desolation.' I had no words to answer, for my tongue, Useless, could find about its roofed home No syllable of a fit majesty To make rejoinder to Moneta's mourn. There was a silence, while the altar's blaze Was fainting for sweet food: I look'd thereon, And on the paved floor, where nigh were piled Faggots of cinnamon, and many heaps Of other crisped spice wood then again I look'd upon the altar, and its horns Whiten'd with ashes, and its lang'rous flame, And then upon the offerings again; And so by turns till sad Moneta cried, 'The sacrifice is done, but not the less 'Will I be kind to thee for thy good will. 'My power, which to me is still a curse, 'Shall be to thee a wonder; for the scenes 'Still swooning vivid through my globed brain 'With an electral changing misery 'Thou shalt with those dull mortal eyes behold, 'Free from all pain, if wonder pain thee not.' As near as an immortal's sphered words Could to a mother's soften, were these last: And yet I had a terror of her robes, And chiefly of the veils, that from her brow Hung pale, and curtain'd her in mysteries That made my heart too small to hold its blood. This saw that Goddess, and with sacred hand Parted the veils. Then saw I a wan face, Not pin'd by human sorrows, but bright blanch'd By an immortal sickness which kills not; It works a constant change, which happy death Can put no end to; deathwards progressing To no death was that visage; it had pass'd The lily and the snow; and beyond these I must not think now, though I saw that face But for her eyes I should have fled away. They held me back, with a benignant light Soft mitigated by divinest lids Half closed, and visionless entire they seem'd Of all external things; they saw me not, But in blank splendour beam'd like the mild moon, Who comforts those she sees not, who knows not What eyes are upward cast. As I had found A grain of gold upon a mountain side, And twing'd with avarice strain'd out my eyes To search its sullen entrails rich with ore, So at the view of sad Moneta's brow I ach'd to see what things the hollow brain Behind enwombed: what high tragedy In the dark secret chambers of her skull Was acting, that could give so dread a stress To her cold lips, and fill with such a light Her planetary eyes, and touch her voice With such a sorrow 'Shade of Memory!' Cried I, with act adorant at her feet, 'By all the gloom hung round thy fallen house, 'By this last temple, by the golden age, 'By great Apollo, thy dear Foster Child, 'And by thyself, forlorn divinity, 'The pale Omega of a withered race, 'Let me behold, according as thou saidst, 'What in thy brain so ferments to and fro!' No sooner had this conjuration pass'd My devout lips, than side by side we stood (Like a stunt bramble by a solemn pine) Deep in the shady sadness of a vale, Far sunken from the healthy breath of morn, Far from the fiery noon and eve's one star. Onward I look'd beneath the gloomy boughs, And saw, what first I thought an image huge, Like to the image pedestal'd so high In Saturn's temple. Then Moneta's voice Came brief upon mine ear 'So Saturn sat When he had lost his realms ' whereon there grew A power within me of enormous ken To see as a god sees, and take the depth Of things as nimbly as the outward eye Can size and shape pervade. The lofty theme At those few words hung vast before my mind, With half unravel'd web. I set myself Upon an eagle's watch, that I might see, And seeing ne'er forget. No stir of life Was in this shrouded vale, not so much air As in the zoning of a summer's day Robs not one light seed from the feather'd grass, But where the dead leaf fell there did it rest. A stream went voiceless by, still deaden'd more By reason of the fallen divinity Spreading more shade; the Naiad 'mid her reeds Press'd her cold finger closer to her lips. Along the margin sand large footmarks went No farther than to where old Saturn's feet Had rested, and there slept, how long a sleep! Degraded, cold, upon the sodden ground His old right hand lay nerveless, listless, dead, Unsceptred; and his realmless eyes were clos'd, While his bow'd head seem'd listening to the Earth, His ancient mother, for some comfort yet. It seem'd no force could wake him from his place; But there came one who with a kindred hand Touch'd his wide shoulders after bending low With reverence, though to one who knew it not. Then came the griev'd voice of Mnemosyne, And griev'd I hearken'd. 'That divinity 'Whom thou saw'st step from yon forlornest wood, 'And with slow pace approach our fallen King, 'Is Thea, softest natur'd of our brood.' I mark'd the Goddess in fair statuary Surpassing wan Moneta by the head, And in her sorrow nearer woman's tears. There was a listening fear in her regard, As if calamity had but begun; As if the vanward clouds of evil days Had spent their malice, and the sullen rear Was with its stored thunder labouring up. One hand she press'd upon that aching spot Where beats the human heart, as if just there, Though an immortal, she felt cruel pain; The other upon Saturn's bended neck She laid, and to the level of his hollow ear Leaning with parted lips, some words she spake In solemn tenor and deep organ tune; Some mourning words, which in our feeble tongue Would come in this like accenting; how frail To that large utterance of the early Gods! 'Saturn! look up and for what, poor lost King? 'I have no comfort for thee; no not one; 'I cannot cry, Wherefore thus sleepest thou? 'For Heaven is parted from thee, and the Earth 'Knows thee not, so afflicted, for a God; 'And Ocean too, with all its solemn noise, 'Has from thy sceptre pass'd, and all the air 'Is emptied of thine hoary majesty: 'Thy thunder, captious at the new command, 'Rumbles reluctant o'er our fallen house; 'And thy sharp lightning, in unpracticed hands, 'Scorches and burns our once serene domain. 'With such remorseless speed still come new woes, 'That unbelief has not a space to breathe. 'Saturn! sleep on: Me thoughtless, why should I 'Thus violate thy slumbrous solitude? 'Why should I ope thy melancholy eyes? 'Saturn, sleep on, while at thy feet I weep.' As when upon a tranced summer night Forests, branch charmed by the earnest stars, Dream, and so dream all night without a noise, Save from one gradual solitary gust, Swelling upon the silence; dying off; As if the ebbing air had but one wave; So came these words, and went; the while in tears She press'd her fair large forehead to the earth, Just where her fallen hair might spread in curls A soft and silken mat for Saturn's feet. Long, long those two were postured motionless, Like sculpture builded up upon the grave Of their own power. A long awful time I look'd upon them: still they were the same; The frozen God still bending to the earth, And the sad Goddess weeping at his feet, Moneta silent. Without stay or prop But my own weak mortality, I bore The load of this eternal quietude, The unchanging gloom, and the three fixed shapes Ponderous upon my senses, a whole moon. For by my burning brain I measured sure Her silver seasons shedded on the night, And ever day by day methought I grew More gaunt and ghostly. Oftentimes I pray'd Intense, that Death would take me from the vale And all its burthens gasping with despair Of change, hour after hour I curs'd myself; Until old Saturn rais'd his faded eyes, And look'd around and saw his kingdom gone, And all the gloom and sorrow of the place, And that fair kneeling Goddess at his feet. As the moist scent of flowers, and grass, and leaves Fills forest dells with a pervading air, Known to the woodland nostril, so the words Of Saturn fill'd the mossy glooms around, Even to the hollows of time eaten oaks And to the windings of the foxes' hole, With sad low tones, while thus he spake, and sent Strange musings to the solitary Pan. 'Moan, brethren, moan; for we are swallow'd up 'And buried from all Godlike exercise 'Of influence benign on planets pale, 'And peaceful sway above man's harvesting, 'And all those acts which Deity supreme 'Doth ease its heart of love in. Moan and wail, 'Moan, brethren, moan; for lo, the rebel spheres 'Spin round, the stars their ancient courses keep, 'Clouds still with shadowy moisture haunt the earth, 'Still suck their fill of light from sun and moon, 'Still buds the tree, and still the sea shores murmur; 'There is no death in all the Universe, 'No smell of death there shall be death Moan, moan, 'Moan, Cybele, moan; for thy pernicious babes 'Have changed a God into a shaking Palsy. 'Moan, brethren, moan, for I have no strength left, 'Weak as the reed weak feeble as my voice 'O, O, the pain, the pain of feebleness. 'Moan, moan, for still I thaw or give me help; 'Throw down those imps, and give me victory. 'Let me hear other groans, and trumpets blown 'Of triumph calm, and hymns of festival 'From the gold peaks of Heaven's high piled clouds; 'Voices of soft proclaim, and silver stir 'Of strings in hollow shells; and let there be 'Beautiful things made new, for the surprise 'Of the sky children.' So he feebly ceas'd, With such a poor and sickly sounding pause, Methought I heard some old man of the earth Bewailing earthly loss; nor could my eyes And ears act with that pleasant unison of sense Which marries sweet sound with the grace of form, And dolorous accent from a tragic harp With large limb'd visions. More I scrutinized: Still fix'd he sat beneath the sable trees, Whose arms spread straggling in wild serpent forms, With leaves all hush'd; his awful presence there (Now all was silent) gave a deadly lie To what I erewhile heard only his lips Trembled amid the white curls of his beard. They told the truth, though, round, the snowy locks Hung nobly, as upon the face of heaven A mid day fleece of clouds. Thea arose, And stretched her white arm through the hollow dark, Pointing some whither: whereat he too rose Like a vast giant, seen by men at sea To grow pale from the waves at dull midnight. They melted from my sight into the woods; Ere I could turn, Moneta cried, 'These twain 'Are speeding to the families of grief, 'Where roof'd in by black rocks they waste, in pain 'And darkness, for no hope.' And she spake on, As ye may read who can unwearied pass Onward from the antechamber of this dream, Where even at the open doors awhile I must delay, and glean my memory Of her high phrase: perhaps no further dare. CANTO II 'Mortal, that thou may'st understand aright, 'I humanize my sayings to thine ear, 'Making comparisons of earthly things; 'Or thou might'st better listen to the wind, 'Whose language is to thee a barren noise, 'Though it blows legend laden through the trees. 'In melancholy realms big tears are shed, 'More sorrow like to this, and such like woe, 'Too huge for mortal tongue, or pen of scribe. 'The Titans fierce, self hid or prison bound, 'Groan for the old allegiance once more, 'Listening in their doom for Saturn's voice. 'But one of our whole eagle brood still keeps 'His sov'reignty, and rule, and majesty; 'Blazing Hyperion on his orbed fire 'Still sits, still snuffs the incense teeming up 'From man to the sun's God: yet unsecure, 'For as upon the earth dire prodigies 'Fright and perplex, so also shudders he: 'Nor at dog's howl or gloom bird's Even screech, 'Or the familiar visitings of one 'Upon the first toll of his passing bell: 'But horrors, portioned to a giant nerve, 'Make great Hyperion ache. His palace bright, 'Bastion'd with pyramids of glowing gold, 'And touch'd with shade of bronzed obelisks, 'Glares a blood red through all the thousand courts, 'Arches, and domes, and fiery galleries: 'And all its curtains of Aurorian clouds 'Flush angerly; when he would taste the wreaths 'Of incense breath'd aloft from sacred hills, 'Instead of sweets his ample palate takes 'Savour of poisonous brass and metals sick. 'Wherefore when harbour'd in the sleepy West, 'After the full completion of fair day, 'For rest divine upon exalted couch 'And slumber in the arms of melody, 'He paces through the pleasant hours of ease 'With strides colossal, on from hall to hall; 'While far within each aisle and deep recess 'His winged minions in close clusters stand 'Amaz'd, and full of fear; like anxious men, 'Who on a wide plain gather in sad troops, 'When earthquakes jar their battlements and towers. 'Even now, while Saturn, roused from icy trance, 'Goes step for step with Thea from yon woods, 'Hyperion, leaving twilight in the rear, 'Is sloping to the threshold of the West. 'Thither we tend.' Now in clear light I stood, Reliev'd from the dusk vale. Mnemosyne Was sitting on a square edg'd polish'd stone, That in its lucid depth reflected pure Her priestess garments. My quick eyes ran on From stately nave to nave, from vault to vault, Through bow'rs of fragrant and enwreathed light And diamond paved lustrous long arcades. Anon rush'd by the bright Hyperion; His flaming robes stream'd out beyond his heels, And gave a roar, as if of earthly fire, That scared away the meek ethereal hours And made their dove wings tremble. On he flared. THE END 1819

Topic: Join Malcolm and Carol as they discuss post-Easter happenings as well as events coming up in your community! Chef Victoria "Tori" Loomis aka The Gathering' Girl on social media joins the show to promote Sipp & Savor coming up April 6 in Meridian as well as Mississippi Bluesman John Mohead promoting the 2024 Delta Rising event also on April 6th.Guest: Chef Victoria "Gatherin' Girl" Loomis & John MoheadHost(s): Malcolm White, Carol Palmer, and Java ChatmanEmail: food@mpbonline.org Hosted on Acast. See acast.com/privacy for more information.

US regulators have swung for the fences, accusing Apple of running an illegal smartphone monopoly. But will the legal cases facing big tech firms hurt stock prices? Thanks to Freetrade for sponsoring this video. Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to: Freetrade.io/transfer. New and existing customers. Min £10k transfer or top up. Annual subscription required. Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. The value of your investments can go down as well as up and you may get back less than you invest. Tax treatment depends on personal circumstances and current rules may change. At present, Freetrade only supports Uncrystallised Fund Pension Lump Sums (UFPLS) for customers who wish to withdraw funds from their SIPP after their 55th birthday. We strongly encourage you to seek financial advice before making any withdrawals from your SIPP. ---Get in touch

Stock markets have hit all-time highs in recent weeks, with bitcoin and gold joining the party. Inevitably, people ask, “Is this a bubble?!” And in today's Dumb Question of the Week: What's the difference between investing and speculation? Thanks to Freetrade for sponsoring this episode. Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to Freetrade.io/transfer. New and existing customers. Min £10k investment. Annual subscription required. Limited time offer. Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. Ends 5 April 2024. ---Get in touch

ESG funds lured investors with the promise of simultaneously saving the planet and achieving higher returns. But after years of inflows, investors are pulling their money. Is there a better approach to sustainable investment? And in today's Dumb Question of the Week: Why are there multiple oil prices? Thanks to Freetrade for sponsoring this episode. Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to Freetrade.io/transfer. New and existing customers. Min £10k investment. Annual subscription required. Limited time offer. Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. Ends 5 April 2024. ---Get in touch

With just one month until the end of the UK tax year, it's time to review our family finances, make the most of our annual allowances and optimise our investments. And in today's Dumb Question of the Week: What is 'bed and breakfasting'? Thanks to Freetrade for sponsoring this episode. Get a free share worth between £100 and £2,100 when you open & top up, or transfer an ISA and/or SIPP. Head over to Freetrade.io/transfer. New and existing customers. Min £10k investment. Annual subscription required. Limited time offer. Capital at risk. ISA and SIPP eligibility, tax rules and T&Cs apply. Free share value varies on the amount topped up or transferred. Ends 5 April 2024. ---Get in touch

Did you get an email (or two) from Amazon about their “new” SIPP program? Many sellers received these emails in December 2023 and February 2024 inviting them to join the program, also known as “Ship in Product Packaging.” We're not signing up, and we don't recommend it to most sellers, either. Tune in to today's episode to hear why we're opting out and which (very limited) sellers could benefit from opting in. Show Notes for this episode - http://www.fulltimefba.com/229 The Full-Time FBA Podcast Page - http://www.fulltimefba.com/podcast Subscribe to the Full-Time FBA Newsletter and get some helpful freebies - http://www.fulltimefba.com/    

Intro Song –  Larkin Poe, “Blood Harmony”, Blood Harmony 
 First Set -
 Mr. Sipp, “Let's Have A Good TIme”, Basie Swings The Blues Bobby Rush, “TV Mama”, All My Love For You Piper and The Hard Times, “Cheatin's Gotta End”, Self-Titled Joe Waters, “The Oranges Are Hard” 
Second Set – 
Blue Healers “Gotta Move On”, Astro Blues
 Eric E-Train Manning, “$19.95” The Drifter Kings, “Stones Throw”, Devil In The Kitchen Third Set – WIB
 Sunny Bleau and The Moons, “I Feel Fine”, Slow Burns 
LeFever, “Drought”, Little Fish 
Betty LaVette & The Count Basie Orchestra, “Stormy Monday”, Basie Sings The Blues

 Fourth Set - Zeno Jones, “Upton Blues”, Disillusion Blues
 Nathan Beretta, “Had Enough”, Love Tax Man
 Lone Star Mojo, “Good News Travels Fast”, A Shot of the Blues Omar Coleman, “Train I Ride”, Tribute Delmark's 65th Anniversary

We're back with another episode of the Weekly Buzz with Helium 10's Brand Evangelist, Shivali Patel. Every week, we cover the latest breaking news in the Amazon, Walmart, and E-commerce space and provide a training tip for the week. Target considering paid membership program to compete with Amazon, Walmart: report https://nypost.com/2024/02/07/business/target-considering-paid-membership-program-to-compete-with-amazon-walmart-report/ Sponsored Display | Geotargeting https://www.linkedin.com/posts/destaney-wishon_sponsored-display-geotargeting-activity-7160694127251062785-gtD3/ Amazon announces Rufus, a new generative AI-powered conversational shopping experience https://www.aboutamazon.com/news/retail/amazon-rufus The latest actions against fake review brokers: Amazon continues to see success in global efforts to stop fake reviews https://www.aboutamazon.com/news/policy-news-views/amazons-latest-actions-against-fake-review-brokers For sellers seeking to harness data with precision, Helium 10's latest features provide sellers with immediate sales data and a two-year historical view right from search results and product pages. And for sellers eyeing the Brazilian market, our Listing Builder AI now crafts listings in Portuguese, simplifying your international expansion efforts. Tune in for these insightful updates and more, tailor-made for serious sellers eager to stay ahead in the ever-evolving Amazon FBA landscape.   In this episode of the Weekly Buzz by Helium 10, Bradley covers: 00:43 - Big Amazon Coupon Update 01:40 - Save on FBA Fees 05:21 - Target Prime Coming? 06:00 - Sponsored Display Locations 07:05 - Clickable Tabs in A+ 07:52 - Amazon's Rufus 09:20 - Fake Review Broker Industry 10:44 - Follow Helium 10 On TikTok 11:01 - Helium 10 New Feature Alerts ► Instagram: instagram.com/serioussellerspodcast ► Free Amazon Seller Chrome Extension: https://h10.me/extension ► Sign Up For Helium 10: https://h10.me/signup  (Use SSP10 To Save 10% For Life) ► Learn How To Sell on Amazon: https://h10.me/ft ► Watch The Podcasts On Youtube: youtube.com/@Helium10/videos Transcript Shivali Patel: An interesting Amazon coupon update lower fulfillment FBA fees with the Ship in Product Packaging program and geographically targeted sponsored display ads. This and more on this week's episode of the Weekly Buzz.   Bradley Sutton: How cool is that? Pretty cool, I think.   Shivali Patel: Hello everyone and welcome to another episode of the Serious Sellers podcast by Helium 10. I'm your host, Shivali Patel, and this is the show that is our Helium 10 Weekly Buzz, where we give you all the latest news in the Amazon, Walmart and e-commerce space, and we also provide you with a training tip of the week that will give you insight into serious strategies for Serious Sellers of any level in the e-commerce world. Let's see what's buzzing this week. First up, we have a big Amazon coupon update this week. Bradley was setting up a new launch for a test coffin shelf and he saw this when setting up coupons. Basically, now you can create coupons for specific audiences, similar to what you see in brand tailored promotions, for example, having them show up only for customers who might have abandoned your product in their cart. Other alternatives, as you can see here, include things like people who have not purchased recently nor frequently, with varied spend, who are considered at risk, Brand followers who have clicked to follow the brand on Amazon, and so much more. If you just keep scrolling, note that you do need to be brand registered for this, and since they're in the process of rolling it out, you may or may not see it, but it's cool to play around with, especially since this lets you set it up at the ace in level compared to what you can do inside of brand tailored promotions, where promotions are for all the products in your brand.   Shivali Patel: Next up, let's talk about the lower FBA fulfillment fees with Ships in Product Packaging. Amazon recently launched the Ships in Product Packaging program, otherwise known as SIPP, and this used to be known as SIPP in Own Container. The gist of it is it allows FBA sellers on Amazon to ship their products using their custom brand packaging without any additional materials added by Amazon. This initiative presents several advantages for FBA sellers, such as lower FBA fulfillment fees for products, an increased ability to connect with customers and the honorable contribution of environmental sustainability by reducing packaging, the latter being something that decreases the space needed on trucks and ultimately leads to a reduction in the number of trucks required, as well as carbon emissions. It's worth noting that products that are certified under SIPP prior to February 5th 2024, will automatically qualify for discounted FBA fulfillment fees starting from that date, and the program is currently available in seven stores the Canadian, American, Italian, Spanish, German, French and UK markets. There are no fees to enroll, but there may be costs associated with updating your packaging to be compliant with Ships in Product Packaging requirements, or if the product that you wish to enroll is fragile or contains sharp items, contains liquids, etc. Then it might have to be tested at a lab. The only time a product may be shipped with Amazon-added packaging is if a customer is shipping multiple items in the same order or if they've selected to have the Amazon-added packaging. Shipping requirements will remain the same and some products may have already actually began shipping without the Amazon-added packaging, because they're actually using machine learning to identify, test and then certify SIPP compliant products without needing you to take any action. Frustration fee packaging indicates that the package is compliant with SIPP guidelines and it has a series of other parameters, for example, 100% curbside, recyclable materials per applicable laws in the region of sale. It's easy to open and all content removable by the customer within 120 seconds with minimal use of scissors or box cutters, plus some other things.   Shivali Patel: While there is no separate certification and it won't grant additional discounts, you can enroll those into the SIPP program. You can also enroll variations without having to enroll all of the variations. As for your first arrival date, that's going to be the date where all your units being shipped to the Amazon facilities are SIPP compliant. Meaning if your enrollment date is complete on March 1st but the SIPP compliant packaging is April 1st, then you should input April 1st. If after that date your packaging is not compliant, then you're going to risk decertification. However, your shipments don't need to be compliant when they're waiting for the enrollment approval. There are dimension regulations and discount rate depends on the size and weight of your product and you can always request to decertify later. If something changes. Customers are going to be notified. I think I mentioned this a little bit earlier, but they're going to have the option to add Amazon packaging at no additional cost. Now, I wouldn't want to do this for my own products. Putting a shipping label would take away from them as a gift item and just not protect the product that well. But let me know in the comments would you do this for your products and for more info? If you're interested in this, then you can visit the SIPP enrollment portal from your news page inside of Seller Central.   Shivali Patel: In other news, have you guys heard about Project Trident? And no, I don't mean the gum brand. Target is actually coming out with a brand new paid membership program as soon as this year. Speaking at a personal level, there are barely any third party sellers that I know who sell on Target, as it's quite hard to sign up. But hey, maybe if this goes through that might change. Target might open up its platform and pave the way for more sellers. So what about you? Will you be keeping an eye out? I'm curious what do you think about the opportunity potential here, and will you get on it right away, or are you going to wait until it's a little bit more established? Switching gears? Sponsored display locations. We know that sponsored display ads give sellers the most customized ability for targeting and audiences in sponsored ads that regular sellers have access to outside of DSP. Amazon now has something new in beta that again brings DSP level functionality to any brand registered seller using sponsored display ads. Destiny from BTR Media started a conversation on this post of how some sellers who have access to the functionality in beta have the ability to target locations with their sponsored display ads. This should be cool because, say, you have a product specifically for the Alaskan market, you obviously wouldn't want that to show up in sunny Florida. You will now be able to geographically target those display ads Again. For now this is only sponsored display ads, so it's not something that's going to allow you to target certain keywords or regular sponsored product campaigns just yet, but it's still a pretty cool addition by Amazon. So do any of you guys see this inside of your account? Let me know when we have Amazon reporting.   Shivali Patel: They've redesigned navigation carousel module so brands can access it within the A plus content manager and help you enhance your listings. Modules have been updated to include clickable tabs that are highlighted in a translucent overlay on the image. This is going to help you navigate elements in the carousel. Now, I'm not sure if this is it, but check out this listing from Uncar. There are actually a couple links in their content and, if I can just scroll down here and show it to you guys, this right here, check this out. When I click these three dots, it automatically changes over the tabs, so I go from business trips into Commute and back into outdoor cafe.   Shivali Patel: Alright, just a couple more things. Here we have Amazon Rufus. Has anyone already heard about this? If you didn't know, rufus great name, by the way is a new expert shopping assistant powered by generative AI that is trained on Amazon's vast product catalog, customer reviews, community Q&As and web information to assist customers which shopping needs, product comparisons and recommendations. Rufus is presently launched in beta to a limited number of US customers via Amazon's mobile app, with a gradual rollout planned in the coming weeks. It aims to enhance the shopping experience by providing tailored assistance, from general product research to more specific inquiries about products or comparisons between categories. The assistant will enable customers to shop by occasion, by purpose, by specific needs, offering personalized suggestions and insights seamlessly integrated into the Amazon shopping experience, customers can interact with it by typing or speaking queries into the Amazon search bar, and then feedback mechanisms are already in place to continuously improve that performance. As Amazon continues to invest in generative AI technology, rufus represents a significant step towards enhancing customer engagement and satisfaction within that Amazon ecosystem.   Shivali Patel: I want to know do you guys already have access to this as well? I don't yet. Then, finally, we have Amazon emphasizing the significance of the Amazon shopping experience in its shopping experience, but acknowledging the rise of a fraudulent fake review broker industry that exploits the value of reviews. I think we all know fake reviews are against TOS and Amazon has been quite proactive about stopping them globally, investing resources in combating those fake reviews, utilizing really sophisticated tools and legal action as well In 2023, legal actions targeted bad actors in US, in China, in Europe for instance, this case against Tao Hau-Vai in the US. Despite progress, amazon recognizes the ongoing threat and vows to continue its efforts to maintain the integrity of customer reviews and hold fraudsters accountable in 2024.   Shivali Patel: If you want to dig deeper, Chris of e-commerce. Chris touched on this more recently, I believe it was in the AM/PM Podcast episode 379. All to say, look, we know there's a lot more bad players out there, but it's good to see Amazon taking steps to police this kind of thing. Remember, it's never worth it to try to take those illegal shortcuts, as much as you want to do them. So with that, that is it for this week's Weekly Buzz. Let me take this opportunity to encourage you to follow our new TikTok page for some cool, fun, educational content regularly. It's helium10_software. So just go to TikTok, open up the app, go to helium10_software in that search bar and click follow. Now for our new feature alerts. Carrie is going to be sharing with us what new tools Helium 10 has launched this week.   Carrie Miller: Today I'm going to be talking with you about some new Helium 10 features updates. So I'll go ahead and get into it and share my screen. The first thing that we have here is when you actually go to a search. So, for example, in this search we searched coffin shelf and we have all of these great results. What we can do now is we can actually look here and where it says load a 30 day sales data on all of these, we can just click on those buttons and we can see the 30 day revenue and the 30 day unit sales for all of our competitors. So this means we don't have to open up the extension and look for all this information. It's actually just a pull down right there. So if you wanted to just quickly look at the revenue while you're browsing a page, you can see quickly what it is. And I think this is kind of cool because then you know, for certain searches where there's a lot of different types of products that are kind of different designs, it's really helpful to just be able to look at which one is selling the best, how much they're selling. So that is one feature update. I think it's really great. And then the next thing is on the detail pages themselves. We have this new data up at the top of the page. Now you can expand this and you can show more details. And we've got not only we have the revenue for this listing, but we have the ratings and reviews. We also can go down here. We can see, you know, the fulfillment dimensions, the, the stamp you know sized here, and all this information, that BA fee on the side. Here you can also go back and look at sales on different days of the year and you can change the timeframe to all the way back to two years so you can see kind of, the growth of each product. You can see, you know, the price and the best seller rank. You can see ratings and reviews right here. So this is some golden information that you can just see right there, especially if you find you know a big competitor and you want to just see what's going on with their product and how long they've been in the game. This is a great tool to be able to see all of that.   Carrie Miller: The next thing now I know Bradley mentioned that we have some great tools for the Brazil market. We've got, you know, Cerebro, Magnet, lots of great stuff that he talked about last week in regards to starting to sell on Brazil, the Brazil marketplace on Amazon, and so now we also have our listing builder AI that can help you to create listings in Portuguese, especially if you do not know how to speak Portuguese. So the first thing you need to do is you're going to go under tools and then you're going to click on listing builder AI, and then what you're going to do is you're going to go up to the top right and click on add listing. Now I'm going to just go ahead and say get started from scratch, and then the most important thing is you need to choose the market of Brazil, which is at the very bottom. So I'm clicking on Brazil here and then I'll click on start building, and then I've actually already created some keywords from Cerebro in Portuguese for our Brazil garlic press, and I chose. I found those by just going to Amazon Brazil and doing a reverse asin search, and so I'm just going to add those to my bank, so they're going to show up here in the bank, and then the next thing I'm going to do is I'm going to click next, and on this part, this is really cool because you can input information in English and it's going to create the listing in Portuguese.   Carrie Miller: For the, for example, we're going to put garlic product characteristics garlic press stainless steel, durable, high quality, perfect for home cooks, okay. So then the next thing is the brand name, which is optional. Okay, so I'm actually going to just put create my own brand name here and make it up Manny's garlic press, and then I'm going to have that at the end of the title. The product name is garlic press and you can choose the tone, whatever tone you want. I'm just going to put casual here. Target audience home cooks, chefs, the home cook chefs, anyone who wants to easily mince garlic, okay. So I'm just going to kind of put it like that. The more input that you put in here, the better. You want to put all your sales, your sales points, in the in the product characteristics, but you can put them all in English, which is really cool. If there's anything that you want to avoid in the listing, you can put that there, so you can have it avoid certain things. And all you have to do here for the title is click, write it for me, and it's going to use the keywords that I have in here plus the input that I gave it here to create an optimized title, which is really cool because you don't even have to know Portuguese. Now, obviously, you can check this and go to Google translate, translate it, make sure it works right. Or, if you know, you want to pay somebody to just kind of review your listings after you've created them to make sure that they're they make sense. That's probably a good idea, but I think this is pretty amazing to get your listings started. So I'm going to click on use suggestion and so, because that looks pretty good, and, again, just go to Google translate and have them translated. You can check it that way.   Carrie Miller: The next thing is bullet points. You can click write it for me. It's going to write all those bullet points in Portuguese and you'll have an optimized listing with those keywords that you put, as well as the input. So we'll let that pop up here. And then at the bottom here you can also do this for a description and click on write it for me. So this all can be written in Portuguese at the click of a button by just putting in these simple inputs in English and it's going to spit out a an optimized listing in Portuguese. All right, so we have these little suggestions. You can click on use suggestions. You can discard it and have it rewrite it, but I'll just go ahead and hit use suggestions and you can see that it's crossing out the keywords that they've used in the bullet points here, and that is pretty amazing that we've been able to use all these keywords with just the click of a button. It's still writing the description here, and once the description is done, I'm sure all of these keywords will be all crossed out. So most of them are, and so we've got an optimized description there.   Carrie Miller: You can again click use suggestion or you can discard it, and so that is the simple and easy way that you can optimize your listings on the Brazil marketplace. I know a lot of people are excited about the opportunity to sell it in Brazil, so go ahead and try this out. I think it's a great tool to help you to get started on other marketplaces in other languages. Really really helpful to use AI to get these all written with a click of a button. It's absolutely incredible. So if you haven't checked this out, go ahead and check it out and we'll see you again next week. Bye.   Shivali Patel: Thank you for sharing, Carrie. That's a wrap. Hope you enjoy this week's episode. We will see you next week to see what's buzzing.

We've all seen the cute, clever and occasionally terrifying images created using ChatGPT and other AI generators. But can CPG companies utilize these apps in a meaningful way? The hosts discussed potential ways that AI might help make certain processes more efficient. They also spoke about why a food brand's recent packaging revamp is excellent in every way and riffed on a spicy and sporty LTO.  Show notes: 0:35: Street Fighter Showdown. 18 Brands, Two Winners. Colin Brings Us Fried Food. More THC. – Ray showed up in a suit and ready for battle in John's latest opus, Jacqui offered keen advice on how to leverage AI when working on a new label design and the hosts congratulated the participants in BevNET and NOSH's upcoming brand competitions. They also chatted about Dr. Pepper's new “Hot Take” variety and why spice is underutilized in beverages, munched on pickle chips and jalapeno poppers prepared by super colleague Colin (who briefly joined them on the mics) and discussed Feel Good Foods' packaging overhaul along with a few new products. Brands in this episode: Fair & Square, LEXINGTON BAKES, Maazah, Lentiful, Confusion Snacks, Zwita, Calexo, Nutcase Milk, Fang, Mixoloshe, adapt superwater, Joie Energy, Troov, Plant Press, MAGIC CACTUS, Sly, Erva Brew Co., Spade, Feel Good Foods, Harmless Harvest, Joia, Sipp, Hint, Eggo, Pop-Tart, Aura Bora, Tempo, Luv Yuzu Lite, Dr. Pepper

In today's episode, we dive into the world of promoting and integrating small businesses into the competitive base of contractors that pioneer the future of space exploration, scientific discovery, and aeronautic research. Our guest, Eunice Adams-Sipp, has over 30 years of experience as a contracting professional, shares her insights and experiences in her role as a representative of the NASA Office of Small Business Programs at the NASA Glenn Research Center in Cleveland, Ohio. Her primary responsibility is to ensure that small businesses of all socio-economic categories receive adequate consideration in the procurement process. She provides guidance and advice to small businesses on how to compete for Government contracts and represents the agency in various events sponsored by the Office of Small Business Programs, the Small Business Administration, and other governmental organizations. In this episode, we discuss the challenges small businesses face when competing for government contracts and how our guest assists them in navigating the procurement process. We also explore the importance of small businesses in space exploration and the impact they have on the economy. Join us as we delve into the fascinating world of small businesses in space and the crucial role they play in shaping the future of space exploration. Let's welcome our next giant, Eunice Adams-Sipp.

It's another great episode of The Bourbon Community Roundtable and this is the 82nd edition. Over the past few weeks Jack Daniel's has made its case against a dog toy manufacturer all the way to the Supreme Court. There's no better time than the present to have Brian Harra of Sipp'n Corn break it down into what this means for parody law and for anyone else trying to infringe on a trademark. Then we dive in with our first topic with expensive bottles of bourbon. I'm not talking secondary, I'm talking like $500 bottles. The idea came to me when I saw lots of people dismissing the new Daniel Weller release because it's 11 years old and only 4 proof points higher than Weller 12, but Buffalo Trace is putting a price tag that is 900% higher. Does bourbon need $500 bottles? In the second half we look at distillery tasting kits. Four Roses recently announced theirs and people are already getting amped up for it. However, many distilleries have done this in the past and failed. Has the time come when we could see this trend start to take off? Show Notes: Above the Char with Fred Minnick (@fredminnick) talks about what distillery could overtake Buffalo Trace's Antique Collection. Talk about the Jack Daniel's case against the dog toy manufacturer. Does bourbon need $500 bottles? Do you think distillery tasting kits will take off? Why have tasting kits failed in the past? @breakingbourbon @drinkseelbachs @bourbonr @sippncorn Support this podcast on Patreon