How to Make Money Online for Beginners | Education - Vocal

Are there legit ways to make money on the internet today? Yes, many legitimate websites allow people to earn money online. Freelancing platforms ...

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Could Investing $10000 in Circle (CRCL) Stock Make You a Millionaire?

Circle Internet Group(NYSE: CRCL), the issuer of the USD Coin ... How does Circle make money? Circle's USD Coin, a cryptocurrency pegged ...

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Free Internet Poker Games in Uganda: Your Ultimate Guide to Online Gambling and Betting

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3 internet stocks that are least disrupted by Agentic AI, according to BofA

11 easy ways to make money from home. The Telegraph • 4 hr ago ...

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Here Is Why Ethereum's Bold New Plan Could Make the Blockchain Giant High-speed 'Internet of Value' by 2029 ... To help you make money even in volatile ...

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Listener Questions – Episode 40

Questions Asked

• Question 1
  Hi Pete & Roger,

  Thanks for all your helpful and easy to understand information. I have only been on my financial wellbeing journey for a year.
  I work in the NHS and am in a higher tax bracket. I am fully enrolled in the NHS pension, more out of previous disinterest than any actual action on my part. I am single and currently saving up for a down payment on a house in about 4/5yrs. I maxed out my ISA last year and expect to do the same this year; this includes money for the down payment. I also took out a SIPP which I only recalled last year; I took it out 20+ years ago. However I am still waiting for a statement from the pension office before my accountant can work out how much more I can add to the SIPP.
  In the interim I have my emergency fund in a premium bond (20k) but am worried it’s being eroded by inflation. I expect to be an additional tax payer in the next few years. Where should I keep my excess cash? More in premium bonds with no tax but erosion by inflation; or open GIA or more in high interest savings account and pay the tax? Or is there another option you would recommend?

  Btw I have £600 in crypto (Coinbase and Etherium) but don’t plan to put more than £400 more in then plan to forget about it. It’s a tiny fraction of what I put in my ISA.

  Thanks, Joy

• Question 2
  Dear Pete and Roger. Love the podcast. I think it is essential listening for those wanting to elevate their knowledge of the incredibly important subject of financial planning and it also highlights the value add that financial professionals can provide.

  My mother is 79 and has a comfortable guaranteed inflation linked income via state and civil service pension, which is supplemented by savings (maxed premium bonds & healthy cash savings) and investments held in ISAs and a beneficiary SIPP from my late father who passed before 75yrs old (therefore the assets are income and CGT free).

  My mother is keen to minimise the IHT on the estate both her and my father worked so hard to create. Despite her comfortable situation, I still have to encourage her to spend and use your very helpful ‘40% off sticker’ analogy on a regular basis.

  It is my understanding that SIPPs will be subject to IHT and income tax from 2027. As my sister and I are both additional rate taxpayers, we will potentially be subject to 67% tax on any assets remaining in the SIPP if the estate is above £1m IHT threshold. While the ‘67% off sticker’ analogy is even more helpful to encourage her spending, it has triggered some planning. We are drawing down the beneficiary SIPP to fund ISA each year for my mum – keeping the income and CGT tax benefits for my mum while removing it from the double income and IHT tax on death.

  As part of the IHT planning we are now considering regular gifts from surplus income. When combined with her guaranteed income, the assets in the beneficiary SIPP are more than sufficient so sustain her lifestyle until her age would be well into three figures. Based on my reading, it appears any drawdown from SIPPs are considered ‘income’ for gifting purposes, regardless of if they come from capital or income. Therefore she could start to draw more ‘income’ from the SIPP and gift this surplus which could be considered IHT free. Are there any limits to how much or how quickly she could reasonably drawdown from a SIPP so that it would no longer be considered ‘income’ by HMRC for IHT purposes? i.e could she empty the SIPP over a 5 yr period, gift that as excess income, then reduce the gifts to reflect a different income and or expenditure?

  While all the drawdown from SIPPs is considered ‘income’ for IHT purposes, the treatment of withdrawals from ISAs or other investments are distinguished between whether they are actually capital or income. Therefore, we have the added complication of needing to balance the ‘income’ drawdown from the beneficiary SIPP to make sure she doesn’t eat into ‘capital’ of the ISAs and savings which would then mean the gifts from regular surplus income would then be considered part of the estate again.

  Our circumstances mean my mum feels slightly trapped between keeping the SIPP (so it is considered income for gifts from regular income but gets IHT taxed at 67%), continuing to use the beneficiary SIPP to fund ISAs (reduce IHT liability but lose flexibility to gift it as income), maybe change the investment engine of the ISAs from a lower yielding balanced solution to something with a higher natural yield, or do something else altogether (lump sum gifts and hope to survive 3yrs for taper or 7yrs). Any thoughts or suggestion would be appreciated.

  While there are some relatively niche circumstances, I think it covers two more broadly applicable IHT planning considerations SIPPs v ISAs under the new rules and regular gifts from surplus income.
  Thanks in advance

  Stephen

• Question 3
  Hi Pete and Roger

  Thank you both for your continued help in navigating the financial maze and I am enjoying the listener questions.

  My wife works part time and is a basic rate tax payer. She pays into her workplace pension and contributes an additional 15%. Her pension provider receives 20% tax relief on these contributions.

  I am a higher rate tax payer and I make contributions to a SIPP. My pension provider receives 20% tax relief and I claim an additional 20% directly from HMRC.

  As a couple, we could stop making the additional contributions to my wife's pension and instead make them into my SIPP. This would give us an additional 40%, rather than 20%.

  Mathematically this makes sense.

  We haven't done this so far, as I like the idea that we are equally contributing to both of our pensions, for the future. It also helps keep things simple.

  I am mindful that one day, we may kick ourselves for not making this simple switch which may leave us with a significantly bigger pot, when we need it.

  What options would you consider in this decision of splitting pension contributions.

  Many thanks, Rob

• Question 4
  Dear Pete & Rog,

  I just wanted to say a heartfelt thank you for your podcast and the incredibly valuable information you share. Your conversations are not only insightful but also reassuring as I start to think more seriously about my own retirement planning!

  One of the things I’m considering is retiring abroad (somewhere sunny!) Spain most likely, and I wondered if you might explain the process you go through with such clients. Specifically, do you have a checklist, or a list of key questions, that you typically ask clients to work through before moving overseas?

  For example, I’ve learned that ISAs are not recognised in many EU countries (so it may be better to sell before leaving), and I imagine there are similar considerations around SIPPs/UK DC pensions and other investments.

  Do you also tend to liaise with financial planners or accountants based in the EU when helping clients prepare for such a move?

  I would be very grateful for any wisdom you could share. Thanks again for all the work you put into the podcast, it really does make a difference.

  Warm regards, Chloe

• Question 5
  Hi Pete,

  Love the podcast.  Very informative and user friendly.

  I have a question, once popular but maybe not so much now and one that will make advisers sweat again!

  I’m a sophisticated investor (so to speak!), I manage my own SIPP etc and I’m an accountant so I guess I have a head start over most people.  I have a net worth excluding my house of circa £2.5m spread across a SIPP, ISA, FIC and GIA.

  I also have an old DB pension.  I’m 59.  It pays out circa £6,500 from the age of 65.  My dad died aged 63.  Given my circumstances I want to transfer the DB scheme into my SIPP.  I have two children so would like them to get it rather than die with me so to speak.  The last transfer value I got was pre covid at circa £100k which I know isn’t a brilliant multiple but I’m happy with that.  I’m fit and healthy but I’m not relying on the guaranteed pension given my other pension provisions.

  So, firstly is it likely the transfer value would have gone up or down given the increase in interest rates and secondly do you think I could get a positive recommendation from an adviser?

  Thanks, Oscar

• Question 6
  Dear Pete and Roger,

  Love the podcast. I'm a bit more of an adventurous investor than you usually caution, but you provide a certain “passive-tracker-Yin” to my “property-investment-Yang”.

  Given your backlog I'm going to ask you a pension question that I probably don't have to think about for 20 years, so you have time to get to it.

  I worked in Denmark for several years and paid into a pension scheme while I was there. I believe it is structured similarly to a UK DB pension scheme. There is an initial lump sum plus an income for life.  This pension fund is not covered by QROPS, so there is no transferring my way out of this complexity.

  The Danish pension fund thinks I'll be paying Danish income tax (presently 37-38%), Chat GPT is adamant that I'll be paying UK Tax. Who's right? If taxed in the UK I can imagine getting the tax free cash allowance right might be complicated. Is there anything else I should be considering?

  Best Wishes, James

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

---

The post Listener Questions – Episode 40 appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.

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"If we only wanted to make money, we would only release our games on Steam," says ... - Softonic

Internet & Network. Main menu; Home Internet & Network · Download ... "If we only wanted to make money, we would only release our games on ...

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How to Spot a Good or Bad Financial Adviser

Everything You Need To Know

– life vs product
– listens vs talks
– behaviour vs numbers
– clear vs vague
– plain English vs jargon
– transparent fees vs evasive costs
– probabilities vs certainties
– evidence based vs secret ‘sauce’
– calm vs urgent
– facts first vs opinions first
– “I don’t know” vs blagging
– written rationale vs ‘trust me’
– respects advisers vs criticises advisers
– growth & protections vs chasing returns
– professional vs sloppy

Everything You Need To Do

– ignore unsolicited approaches
– verify they’re legit
– get fees and scope in writing before committing
– first meeting questions
– pressure test

The post How to Spot a Good or Bad Financial Adviser appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.

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AI Roundabout Isn't a Replay of the Internet Bubble - Bloomberg

As with the worldwide web 30 years ago, it's not clear exactly what the technology will do in the future and who will make money from it, but ...

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The only moat left is money? - Hacker News

... make money building things for the internet. The internet itself was simply not designed for that to begin with. Building things where the ...

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Becoming A Financial Adviser – Part Two: The Soft Stuff

– Why Financial Planning Is Not About Money
– Planning vs Product
– The Core Human Skills of Great Advisers
– Behavioural Coaching (The Real Job)
– Judgement, Responsibility, and Pressure
– Ethics and Integrity in the Real World
– Who Thrives on the SOFT Side
– Bringing the Hard and Soft Together

The post Becoming A Financial Adviser – Part Two: The Soft Stuff appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.

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Understanding Texas Instruments: Innovating the Real-World Internet - WhatJobs

This allows them to produce 2.3x more chips per wafer, lowering their cost per chip by 40% compared to rivals like Analog Devices. How They Make Money.

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How to Make Money on Your Phone - 15 Best Ways in 2026 - CoinDCX

They are powerful tools for learning, working, and earning. With a steady internet connection, you can find many ways to make money from your phone, ...

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If your financial adviser does this.. run away

If your financial adviser is pressuring you, hiding fees or promising guaranteed returns… it’s time to walk away. In this episode, I break down 16 clear red flags to watch out for when choosing a financial adviser in the UK — from cold-calling and jargon-heavy sales tactics to lack of transparency around costs, process and risk.

I also explain what a good UK financial adviser should do instead, so you can feel confident, informed and in control of your money. Whether you’re looking for retirement planning, pension advice, ISA investing or long-term financial planning, this guide will help you avoid costly mistakes and choose advice you can truly trust.

Meaningful Academy

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Listener Questions – Episode 39

Questions Asked

• Question 1
  Hi Pete and Roger,
  I’m 29 and working towards Coast FIRE within the next 2–3 years so I can begin a digital nomad lifestyle — working remotely while knowing my long-term retirement is taken care of.

  Right now, I’ve got:
  – £45k in a Stocks & Shares ISA
  – £25k in a workplace pension (via salary sacrifice)
  – A Lifetime ISA for a future house deposit (or later retirement)
  – A fully funded emergency fund

  I’ve already maxed out my ISA for this tax year and plan to continue doing that every year. But I have more money to invest now, and I know that to reach Coast FIRE on my timeline, I need to start using a General Investment Account (GIA).

  Here’s where I’m stuck: I want to keep things simple and tax-efficient, but I feel a bit nervous about GIAs. I keep hearing about the “bed and ISA” strategy but don’t really understand how it works in practice or how to implement it over time.

  Could you explain:
  – How best to use a GIA alongside an ISA when working towards FIRE?
  – How to manage capital gains and dividend tax efficiently?
  – And how the bed and ISA approach actually works — especially for someone trying to keep things simple?

  Thank you both so much — your podcast has been an incredible resource and a big part of why I’ve been able to take control of my finances.
  Warmly, Pauline

• Question 2
  Hello Pete & Roger
  I am very late convert to the podcast but have been ploughing through the Q&A for a few days now. I think I only have another 592 episodes to get through so should be up to date by the end of the week !!

  I am not sure whether this has been covered or not. I have a 401K plan that has been hibernating in the USA for 20 years. I have only recently started looking at it and now need to understand the tax implications. I have tried to read HMRC guidelines on tax treaties etc but get even more confused than before.

  My current belief is that the provider will pay this money out by means of US issued cheque (not a problem) but withhold 30% tax (a problem).

  How will HMRC treat this? The usual sources http://unbiased.co.uk for one run for the hills on finding information about this, is this an area you can provide guidance, but obviously not advice as I know you cannot through the podcast.
  Regards, Stephen

• Question 3
  Hi Pete & Roger,

  Like so many people I am really impressed, not just with your knowledge and great communication skills, but that you put out such life changing content. You’re providing us with the means to help ourselves in this financial world as well as letting us know when to seek professional help.

  On to my question: we’re (wife and I) retired (late-60s) and are lucky enough to have more than enough to comfortably live on, thanks to DB & state pensions, house price inflation etc. Not really through any financial planning but just having been born at the right time! So we do now have an IHT liability. We have a joint second death Whole Of Life policy (in trust) in place for potential IHT and have given help with house deposits for our children.

  We also are gifting to the kids out of our excess income and would like your thoughts on the type of record keeping needed for this. We have letters stating the intention to give the gifts, recording who to etc. We keep completed IHT403 forms which we update annually. We also have a monthly/annual spreadsheet of income/expenses which demonstrates our surplus and keep track of expenses with the MeMo transaction tracker (thanks for that). These are all in our ‘WID’ file (again thanks to you for that). What we’re not sure about is any documentation that might be needed to evidence the figures. Income is straightforward with P60s, statements of interest/dividends. However, what is required for expenses? Can’t really keep all supermarket receipts etc and even bank/credit card statements would be quite bulky over several years. Not sure if we’re overthinking but don’t want to leave a difficult task for our kids when we’re gone.

  Thank you both again for all the good you are doing
  Simon

• Question 4
  Brian (in Australia)
  Thank you for all your podcasts and videos but I think I may have to sign up to the academy to fully get my head around all the UK rules.

  We are looking to move to the UK from Australia – we have no UK govt pension entitlements but are retired with personal Australian private superannuation account pensions. The pension income payments and withdrawals are all tax free in Australia but will the UK government apply a tax on these pension payments once we are UK residents?

  Thanks again for all your useful information.
  Regards, Brian

• Question 5
  Hi Roger (and Pete),

  I had a question which is boiling my brain far more than it should and I was hoping you could include it in one of your Q&A episodes.

  I'm in the fortunate position of being caught by the £100k ‘tax trap' due to being paid a bonus for the first time in a number of years. This particular first-world problem is being made all the worse because my daughter will start nursery next year so in addition to the 60% tax charge on my bonus, we would also lose the 30 free hours of childcare we currently have access to.

  I currently salary sacrifice roughly £5,000 of salary into my pension (which my employer matches) and this holds my income at £99,000. However there is no option for me to do any kind of ‘bonus sacrifice'. My only choice is to receive the bonus payment net of tax & NI through PAYE and then make a payment into my personal pension (a Vanguard, low cost multi-asset fund, just like you taught us!). I think I'm right in saying my pension provider will claim back the basic rate tax automatically for me, and I can then claim back the other 20% via my tax return with HMRC paying this extra 20% back to me directly.

  So far so easy, but what I can't work out is just how much I have to pay in to my pension in order to take all of the bonus payment out of my taxable income. Presumably its not the net amount extra that gets paid into my bank account on the month my bonus is paid because this will also be net of NI, meaning I wouldn't have paid enough in to avoid the £100k trap. Assuming my bonus payment was £10,000 (I don't know the exact figure yet but its likely to be around this amount), could you talk through how to calculate the net payment I need to make into a personal pension to achieve the desired result? As a follow up to this, if HMRC send me a cheque (very 1990's) for say £2000 of refunded higher rate tax, do I need to pay this into my pension in the next tax year to avoid having it counted towards my taxable income in that financial year?

  Please keep up the great work that you both do, you've really helped me get my financial life in order after an extremely difficult period in my life. Thank you both!
  Jimmy

• Question 6
  Hi Pete and Rog,

  Firstly, a huge thank you for all the insight and support you continue to offer. The impact of the Meaningful Money Podcast is immense—I’ve personally benefited so much from your free content over the years.

  I'll keep this as brief as I can:

  My great aunt (now 84) has built a substantial portfolio over decades—about £2 million across ~60 individual company shares, with approx. £1.3 million in a GIA and the rest in S&S ISAs. She also holds £400k in fixed-term bonds, savings accounts, and premium bonds. Sadly, she was diagnosed last year with dementia and Alzheimer’s and now resides in a care home.

  I am her Power of Attorney and want to act in her best interests—simplifying her affairs and ensuring tax efficiency, especially regarding her legacy. She has no spouse or children but wishes to leave money to nieces, nephews, and charities.

  Here’s my working plan:
  – Offset gains in the GIA by selling loss-making investments (totalling £30k–£40k) alongside some of the profit making investments to reduce market exposure without incurring CGT costs.
  – Liquidate all shares in her S&S ISAs and transfer funds into cash ISAs with decent interest rates
  – Leave most of the GIA portfolio untouched to benefit from the CGT uplift on death

  Am I broadly on the right track for tax efficiency and sensible financial planning? Should I seek formal advice to ensure I'm doing the best by her?

  Thanks again for all you do—it really matters.
  Best regards, Josh

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

---

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'Learn to make serious money' – Ntazola Gloria tells women who don't fit housewife role

... make money, and I'm talking about serious money,” Ntazola said. Internet sensation Gloria Ntazola during a past event. PHOTO/@ntazola_gloria ...

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Our five-point plan to make Britain better off - The Times

Investors are being told they can make money easily by buying highly volatile cryptocurrencies such as bitcoin. We want internet giants to take ...

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Kenyan Man Wears WiFi Router, Offers Internet at Small Amount to People Who Can't Afford ...

... make money; A video showed him speaking about how much he makes daily from offering internet access; The individual also explained why he does it ...

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Meet Martin Namasaka, Man Who Walks with a Router on His Head to Sell Wi-Fi - Yen News

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Don’t Trust the Hype: How Finfluencers and AI Can Wreck Your Wealth

Are financial influencers leading you astray? In this video, I expose the dangers of trusting unregulated ‘finfluencers’ and AI tools with your financial future. Learn why being “qualified” isn't the same as experienced, how AI can hallucinate dangerous advice, and the red flags to watch for.

People like Damien Talks Money, James Shack, or Toby Newbatt, George Agan, or myself… we might sound like broken records sometimes. We talk about index funds, tax wrappers, and patience. It’s not sexy. It might not get a million views on TikTok. But it works. There are good guys and girls out there. They aren’t selling you a dream; they’re showing you the work that needs to be done.

Meaningful Academy

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How to Get High-Speed Internet Without Cable or a Phone Line - Money Talks News

... Internet and Windstream's Kinetic Internet plans will do in a pinch. ... How to Make Money Online · Emergency Stockpile · Free Movie Streaming ...

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Odd Jobs From the Digital Economy - Go2Tutors

The internet changed how people make money. That statement sounds obvious now, but the specific ways it changed things keep getting stranger. You ...

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