Podcasts about Income Support

In this episode of The Psychedelic Podcast, Paul F. Austin welcomes Bryan Hubbard, a prominent advocate for psychedelic-assisted therapies, particularly ibogaine in the treatment of opioid addiction and mental health disorders.  Find full show notes and links here: https://thethirdwave.co/podcast/episode-305/?ref=278 Update (May 2025): Days before this episode's release, the Texas House approved a Senate-backed bill to fund ibogaine research through a public-private partnership aimed at securing FDA approval. This vote marks a major milestone in the movement Bryan describes throughout this conversation. Bryan shares his journey from leading Kentucky's Opioid Abatement Advisory Commission to spearheading breakthrough ibogaine research initiatives in Texas. He articulates ibogaine's unique neurological properties, discussing how it can reset brain neurochemistry in 36 hours and potentially treat conditions from traumatic brain injury to Parkinson's disease. The conversation explores the spiritual dimensions of ibogaine experiences, the political landscape surrounding psychedelic medicine, and Bryan's ongoing efforts to medicalize ibogaine through FDA drug development trials, highlighting Texas as the next frontier for this life-saving research. W. Bryan Hubbard is the Executive Director of the American Ibogaine Initiative. He is the first and former Chairman and Executive Director of the Kentucky Opioid Abatement Advisory Commission. He concurrently served as Special Counsel to the Kentucky Attorney General's Office of Medicaid Fraud and Abuse Control and was its prior Executive Director. He served on the Kentucky Judicial Commission on Mental Health, the Kentucky Child Support Guidelines Commission, Mine Safety Review Board, and the Kentucky Office of Drug Control Policy's Recovery Ready Communities Advisory Council. He previously served as Commissioner of the Kentucky Department of Income Support wherein he led the Commonwealth's Social Security Disability and Child Support Enforcement systems. He practiced workers' compensation law representing Walmart, Tyson Foods, and Tennessee Valley Authority for sixteen years. During his practice years, he observed the predacious onset of Kentucky's Opioid Epidemic amid generational joblessness, poverty, disability, and substance use. He was raised in Virginia's coalfields and is the proud grandson of two grade-school educated coal miners on whose shoulders he stands. Highlights: Why ibogaine interrupts addiction instantly The Stanford study that changed everything Resetting brain neurochemistry in 36 hours From Parkinson's to PTSD: Ibogaine's broad applications The spiritual awakening dimension of treatment How pharmaceutical interests block breakthrough medicine Kentucky's lost opportunity: $42 million for research Texas as the new frontier for ibogaine medicalization Matrix pharmacology: Ibogaine's intelligent mechanism The political war over life-saving psychedelic medicine Episode Links Website American Ibogaine Initiative Instagram: @w_bryan_hubbard X (Formerly Twitter): @w_bryan_hubbard Linkedin Episode Sponsors: Golden Rule Mushrooms - Get a lifetime discount of 10% with code THIRDWAVE at checkout

How do we create a healthcare system that prioritizes wellness, equity, and connection? In this episode of The Health Feast, Dr. Rak sits down with Dr. Seth Berkowitz, a leading voice in health equity, to explore the root causes of health disparities and the systemic barriers that perpetuate them. Together, they discuss actionable solutions to build a society where everyone has the opportunity to thrive. Dr. Berkowitz shares insights from his groundbreaking research on food as medicine, the impact of income inequality on health outcomes, and what we can learn from healthcare systems around the world. This conversation offers a fresh perspective on how we can move beyond illness care and focus on true health care for all. If you're curious about the future of equitable healthcare and practical steps toward creating a healthier society, this episode is a must-listen. Timestamps: 01:01 Introduction to Dr. Seth Berkowitz 03:46 Revisiting Medical Training 05:06 Health Inequity as a Moral Failure 05:50 Defining Health Inequity 07:15 Disparities and Injustices in Health 08:26 COVID-19 and Health Inequity 10:59 Economic Precarity and Health 12:31 Advice for Working-Class Individuals 13:27 The Role of Healthcare Access 20:24 The Egalitarian State 24:18 Challenges in Writing and Research 29:29 Food as Medicine 31:46 Impact of Research on Policy 35:03 Current State of Healthcare 37:16 Rethinking Health Care: Illness Insurance vs. True Health Care 38:07 The Flaws of the Insurance Model in Health Care 39:12 Public School Model for Health Care 40:29 Universal Health Care: Lessons from New Zealand and Beyond 41:15 Comparing Health Care Systems: Public vs. Private 43:38 The Case for Universal Health Care in the U.S. 44:23 Imagining a Better Health Care System 45:18 Addressing Health Care Quality and Equity 46:03 The Role of Income Support in Population Health 49:35 Social Wealth Funds: A Solution for Income Inequality 58:44 The Potential and Challenges of Technological Advancements 01:00:12 Practical Steps Towards Health Equity 01:01:33 Personal Practices for Health and Well-being 01:03:44 Final Thoughts and Life Philosophy Links: Buy Dr. Berkowitz's book- Equal Care Dr. Berkowitz's Website Follow @thehealthfeast on Instagram and YouTube for more. The Health Feast is available wherever you get podcasts and at thehealthfeast.com. Have a question or comment for Dr. Rak and Po? You can submit them on our website https://www.thehealthfeast.com  - Level up your health journey! Learn how to join a health Tribe for a transformative health journey. Limited spots are available! Visit us at https://www.rakyourlife.com - Elevate your Mondays! Elevate your week with Reflection, Awareness, and Kindness. Subscribe to RAK ON for weekly inspiration: https://rakyourlife.substack.com/about Disclaimer: The Health Feast is provided for educational and informational purposes only and does not constitute providing medical advice or professional services. As with any changes affecting your health, we recommend and encourage you to consult your medical doctor or other qualified healthcare professionals before making lifestyle changes. The opinions expressed are our own and do not necessarily reflect the views of our employers.  

Pahirapan pa rin ang pagrenta ng matitirahang bahay sa lahat ng capital cities at mga pangunahing rehiyon sa bansa at higit na apektado ang mga Australyanong nakaasa sa income support.

A new report by housing advocacy group Everybody's Home outlines the issue as being largely driven by rent increases and no-grounds evictions, and are calling for urgent reform.

India faced one of its biggest farmers' protest during the NDA government under Prime Minister Narendra Modi which ended after a year with the withdrawal of three controversial farm laws. However, the narrative in the last 10 years changed towards farmers' income from production-centric in the previous decade. Former agriculture and food secretary T Nandakumar in conversation with Prabhudatta Mishra spoke about the changes in policy initiatives to reflect the growing needs of farmers for better income.

In today's Q&A, Glen and Rebecca Pritchard discuss:

Matthew D. Mitchell, PhD, Senior Fellow in the Centre for Economic Freedom at the Fraser Institute and co-author of The Road to Socialism and Back, joins host Rosemarie Fike to discuss Denmark's economic model, and more specifically the country's approach to income support and when and how exactly the government chooses to intervene.See omnystudio.com/listener for privacy information.

https://www.advancedpracticeproviders.com/ W. Bryan Hubbard is the former Chairman and Executive Director of the Kentucky Opioid Commission. In that role, he developed the Kentucky ibogaine project which aimed to develop ibogaine as a breakthrough therapeutic under the auspices on the commission. He previously ran the state's Social Security Disability and Child Support Enforcement programs as Commissioner of the Department of Income Support. He was raised in the Virginia coalfields and is the grandson of two grade school educated coal miners. https://www.antiherosjourney.com/ https://www.navigatesni.com/free-consultation

Farmers' frustration was the subject of discussion at Áras Chontae an Chláir this week as members of Clare County Council met with IFA representatives. The meeting heard that 12,000 people in Clare are employed within the agricultural sector in some way, representing 20% of the county's working population. With an estimated 508,000 acres of farm land in the county, agriculture contributes over €1 billion to the local economy annually, according to IFA figures. Many of those in attendance at this week's meeting spoke of the challenges farmers are having in doing their time and labour intensive work, while also keeping up with mounting paperwork and bureaucracy. Kilrush Fine Gael Councillor and small farmer Gabriel Keating says those working in the sector need to know they'll be given sufficient income support to justify the intensive "bookwork" involved in various schemes.

The Alberta government is boosting AISH, Income Support, and senior benefit payments on Jan. 1,2024. Community Reporter, Toni Freimark tells us the details.

Mary Beth Moellenkamp, CEO of Peel Children's Aid Foundation discusses what it means to become a foster parent and how it can help (6:57). During our Nutrition chat with Julia Karantjas, we chat healthy habits to keep your immune system strong this winter (22:13). We learn about the International Blind Café with founder Jason Reynolds, which provides support, advocacy and training to anybody in the community who needs it (37:37). The Alberta government is boosting AISH, Income Support, and senior benefit payments on Jan. 1,2024. Community Reporter, Toni Freimark tells us the details (51:22). Yang Wang stops by to tell us about a recent, racially motivated hate crime she experienced while riding the subway in Toronto (1:03:02). On our monthly voices segment, we chat with Know Your Rights contributor, Danielle McLaughlin (1:20:32).

The Clare County Chair of the IFA has criticised the Minister for Agriculture's "unacceptable" delay in issuing income support to farmers across the country. Minister Charlie McConalogue has announced that advance payments are being issued to farmers under the Basic Income Support for Sustainability as well as the Complementary Redistributive Income Support for Sustainability schemes. The advance payments are worth over €452 million to 103,764 farmers and in Clare alone, 5,309 payments have been made which represents a total value of over €20 million. However, Clare County Chair of the Irish Farmers Association, Tom Lane says considering the pressure farmers are currently under, the payments should've come well in advance of this week.

Tau muaj ib cov kev teeb txheeb tshiab qhia tias Australia yog lub teb chaws zum 4 uas nplua nuj tshaj plaws hauv ntiaj teb, tej neeg nplua nuj tseem khwv tau nyiaj ntau tshaj tej neeg khwv tau nyiaj tsawg tshaj plaws txog 4 npaug, thiab tej neeg tau txais nyiaj pab cuam ntawm tsoom fwv (Income support payment) tseem yog cov txom nyem tshaj plaws ntawm cov teb chaws koom tes lagluam thiab txhim kho (Organisation for Economic Co-operation and Development - OECD). Tej koom haum pab cuam tej neeg txom nyem thiaj nqua hu kom tsoom fwv Albanese pab tej nyiaj no kom ntau tuaj ntxiv rau tej neeg txom nyem rau nws tsoom fwv tej nyiaj puag xyoo tom ntej no.

  House overwhelmingly votes down resolution to force withdrawal of U.S. troops from Syria within six months Senator Bernie Sanders holds hearing on union rights and corporate union-busting An International Women's Day forum denounces cancelation of pandemic era programs that lifted women and children out of poverty The Justice Department announces a probe of the Memphis, Tennessee police department in wake of police killing of Tyre Nichols   Image: Gage Skidmore from Peoria, AZ, United States of America, CC BY-SA 2.0 , via Wikimedia Commons         The post House rejects resolution to force withdrawal of 900 U.S. troops in Syria; Verbal clash erupts at Senate hearing on corporate union-busting; International Women's Day forum calls for reinstatement of pandemic era income support programs: The Pacifica Evening News March 8 2023 appeared first on KPFA.

  House overwhelmingly votes down resolution to force withdrawal of U.S. troops from Syria within six months Senator Bernie Sanders holds hearing on union rights and corporate union-busting An International Women's Day forum denounces cancelation of pandemic era programs that lifted women and children out of poverty The Justice Department announces a probe of the Memphis, Tennessee police department in wake of police killing of Tyre Nichols   Image: Gage Skidmore from Peoria, AZ, United States of America, CC BY-SA 2.0 , via Wikimedia Commons         The post House rejects resolution to force withdrawal of 900 U.S. troops in Syria; Verbal clash erupts at Senate hearing on corporate union-busting; International Women's Day forum calls for reinstatement of pandemic era income support programs: The Pacifica Evening News March 8 2023 appeared first on KPFA.

A round-up of the main headlines in Sweden on January 16th, 2023. You can hear more reports on our homepage www.radiosweden.se, or in our app Sveriges Radio Play. Presenter: Simon LinterProducer: Kris Boswell

In Part 1 of this episode, Elijah Best, owner of The Vet Boss, speaks about generating wealth while staying in alignment with God. He shares his tip for overcoming the taboo of generating wealth as a Christian. While studying Proverbs, it was a year later when Holy Spirit revealed his answer! He shares that with us in this episode. Join me for a Masterclass: Heart & Soul Strategy for Aligned Streams of Income --- Support this podcast: https://anchor.fm/soulfullyalignedyou/support

Now that the holiday season is over, we're moving into the heating season. And for many, it will be a struggle for the essentials. Nova Scotia's Liberal Party is urging government to do more for those who have less. They've introduced a number of ideas that would help Nova Scotians throughout the affordability crisis including a bill to index income assistance to inflation and increase the thresholds for social assistance to allow more people to access funds. Leader Zach Churchill addresses those issues and the homelessness crisis that stretches from Yarmouth to Cape Breton.

The Department of Social Development has launched an expert panel report on Basic Income Support Grant today.  The expert panel was established as a part of an international labour organisation initiative to examine the feasibility of a Basic Income Grant option for South Africa. Sakina Kamwendo spoke to Brenton van Vrede, Executive Manager for grants administration at South Africa Social Security Agency

Hailing from Denmark, Malene Bendtsen helps entrepreneurs with a teaching or speaking business grow their impact, income and loyal customer base. For the past 5 years, she's been a book coach, author, book editor, ghostwriter, podcaster, blogger, and public speaker Listen NOW to discover, "The Secret To Growing Your Impact & Income" --- Support this podcast: https://anchor.fm/30minutehour/support

Mandarin - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Assyrian - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Hazaragi - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Farsi - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Dari - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Chaldean - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Pashto - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Arabic - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Vietnamese - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Cantonese - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

Khmer - What You Need To Do To Keep Getting Your Income Support Payment by Services Australia

The votes have been cast and counting is underway. And in just a few days, Kenya will have a new government. It was a hotly contested ballot between the two front runners; Deputy President William Ruto and opposition leader, Raila Odinga. And a host of economic and social challenges await the winner. For more on Kenya's election and the country's economy, we spoke to Agnes Gitau, who is the managing partner of GBS Africa. She says one of Kenya's main challenges that next president has to tackle with will be high youth unemployment. #KenyaElection #WilliamRuto #RailaOdinga

In Canada, inflation is the highest it's been in nearly 40 years. These days, the climbing cost of living is affecting just about everyone. For people who rely on income support in this province, the consequences of inflation can be especially dire. A recent report from the University of Calgary's School of Public Policy paints a grim picture of these consequences. But it also points towards a simple solution. The Morning Show's Andrea McGuire has been looking into this.

Australian News: 20 March 2022 – Sunday Read by RaySel - ஆஸ்திரேலியசெய்திகள்: 20 மார்ச்2022 ஞாயிற்றுக்கிழமை வாசித்தவர்: றைசெல்

It's Tax season! Hispanic Unity is the leading organization on a coalition of Broward-based non-profits making sure all residents in need have access to free and very necessary tax preparation services. Anamaria Ceballos, Hispanic Unity's Senior Program Manager of Income Support & Small Business Services will breakdown the important ins and outs of properly filing taxes for 2021.

New data reveals that increasing income support payments significantly reduces homelessness. Government support programs such as the Coronavirus Supplement and JobKeeper helped keep people off the streets, until it was slowly removed.  - Новите податоци откриваат дека зголемувањето на плаќањата за поддршка на приходите значително го намалува бездомништвото. Програмите за поддршка на владата, како што се додатокот за коронавирус и JobKeeper, помогнаа луѓето да не останат на улица, сè додека помошта не беше полека отстранета.

In this episode, we are talking to Paul Pickford, Farm Business Consultant. Today we will be asking some key questions concerning the sustainable farming incentive (SFI) and how this scheme fits with the BPS being phased out. How can farmers navigate through the biggest changes in farm income support schemes in nearly 50 years?Claim 1 BASIS and NRoSO point for listening to this podcast. Email info@agrii.co.uk with your membership number, full name, postcode and DOB. 

Government support programs such as the Coronavirus Supplement and JobKeeper helped keep people off the streets, until it was slowly removed.

A collection of human rights organizations, advocating for social justice in South Africa, have rejected the much talked about possible termination of the income support grants for adults expected to be announced in Thursday's budget. Esley Philander, spokesperson of Advocacy group, Black Sash....

Can you afford your medical prescriptions? This episode shows you how to get free or cheaper prescriptions based on your situation and explains all you need to know about a prescription prepayment certificate.

This week on "Down to Business," Deloitte chief economist Craig Alexander talks with Financial Post's Larysa Harapyn about the election issues dominating Canada's economic landscape: the recovery, underinvestment in business and infrastructure, and where post-pandemic prosperity is going to come from.  

This week on "Down to Business," Deloitte chief economist Craig Alexander talks with Financial Post's Larysa Harapyn about the election issues dominating Canada's economic landscape: the recovery, underinvestment in business and infrastructure, and where post-pandemic prosperity is going to come from.  

Listen to the latest news from Australia, Sri Lanka, across the globe and the latest news from sports world on SBS Sinhala radio news bulletin – Monday 19 July 2021 - ඕස්ට්‍රේලියාවේ සහ ශ්‍රී ලංකාවේ අලුත්ම පුවත්, විදෙස් තොරතුරු සහ ක්‍රීඩා පුවත් රැගත් SBS සිංහල සේවයේ 2021 ජූලි 19 වන සඳුදා වැඩසටහනේ ප්‍රවෘත්ති ප්‍රකාශයට සවන්දෙන්න

The scheme will give $500 to those who would normally work more than 20 hours a week and $325 for those who'd normally work fewer hours. The payments will be available in any area designated a covid hotspot by the Chief Medical Officer for more than seven days, but in Victoria's case, will not be backdated.

As Victoria braces for the possible extension of the snap lockdown, the unions and Labor are calling for the federal government to step in and provide financial assistance to the half a million casual workers with no income. While the federal government has so far refused to step in, it hasn't entirely ruled out some form of assistance.

This week the Coach & AK discuss each NFL division leader, their chances at a Super Bowl and NFL minority coaches. Jackson Financial focuses on profit income & where to find it. Lastly, why it’s important to support black businesses. --- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/app --- Send in a voice message: https://anchor.fm/sports-fluent/message Support this podcast: https://anchor.fm/sports-fluent/support

Seven out of 10 New Zealanders support giving greater income support to those on low wages, or unemployed.  The UMR poll was commissioned by more than 40 separate organisations, including unions, social service providers, and kaupapa Māori groups.  It surveyed more than 1100 people over January and February. The Child Rights Advocacy and Research Director at Save The Children New Zealand, Jacqui Southey, spoke to RNZ reporter Harry Lock.

The Chancellor, Rishi Sunak, is being taken to court by mothers who claim the self-employed income support scheme discriminates against them. That's because they took maternity leave during the period their profits were assessed. The government currently calculates how much a self-employed person should receive in their grant, which covers lost profits during the pandemic, by looking at a three year average. And the maternity discrimination charity, Pregnant then Screwed, claims this disadvantages mothers whose average profits were hit because of time taken out from work. Paul Lewis talks to one of the mothers affected and speaks to Anna Dews from solicitors Leigh Day. A record one billion pounds will be spent next year on compensating customers of financial miss-selling by firms that have gone out of business, according to a forecast in The Financial Services Compensation Scheme Plan and Budget for 2021/22. The cost is more than a third higher than was paid out this year and that was over a third higher than last year’s total. It has just about doubled over three years. What's going on? Paul Lewis talks to FSCS Chief Executive, Caroline Rainbird. Nearly two months after Money Box first reported that the DWP was wrongly telling thousands of people that they owed it hundreds of pounds, Money Box continues to hear from listeners who say it is still going on. The Government told Money Box before Christmas that it had sorted the problem out. But Dan Whitworth talks to one woman who lost £1400 in December. The self assessment tax deadline has been extended to 28 February, so if you file after the original deadline of 31 January , the £100 penalty can be avoided. But the tax does still needs to be paid by the end of this month, not February. Confused? Don't worry because Heather Self, tax partner at Blick Rothenberg explains all. Presenter: Paul Lewis Producer: Ben Carter Reporter: Dan Whitworth Researchers: Darin Graham and Sowda Ali Editor: Rosamund Jones

DEADLINE EXPIRES MIDNIGHT 29 JANUARY 2021 Application eligibility for the third Self-employed Income Support Scheme (SEISS 3) grant, expires tonight. This grant covers up to 80% of lost income between November and January. If you meet the eligibility criteria the grant will provide a lump sum up to £7,500 to cover up to 80% of your average trading profits. Only use the official Government claims portal, which you can do at any time until 29 January 2021. Once you apply, HMRC will check your claim and pay your grant into your bank account within six working days. You will get an email when your payment is on its way. https://www.gov.uk/guidance/claim-a-grant-through-the-self-employment-income-support-scheme We are expecting a fourth grant covering a percentage of average income from February to April 2021, but may have to wait until the March budget before Chancellor Rishi Sunak makes any announcement. The fourth grant could change the way funds are allocated to prevent thousands of self-employed people slipping through the net and getting no support. Small business owners I speak to complain that they do not qualify for grants or even bounce back loans because they have recently set up their business or their profits are too low. As the UK lockdown is expected to continue for another three weeks, the Federation of Small Business estimates that 250,000 small businesses will go under this year. Angry protesters gather outside NYSE as GameStop share trading suspended Do you spend hours online every day? If you can spend time and money online, you can definitely make money online too! The Secrets Of Social Media Revealed - Rethink Your Social Social media guru and bestselling author Paul O'Mahonyis hosting a free live webinar on the 31st January where he will show you how you can create simple online money-making machines by using the same amount of time you may already be spending online. Register here At the webinar, you will learn: · How to cash in on the biggest business opportunity of all time · How to get started making money online without any products or business experience · How to scale your business if you already have one · How to have certainty with your finances in an even uncertain world · How to find the ideal clients for your business with Facebook, Instagram, LinkedIn and Twitter I have read his book and attended his courses, but I will still be there because things are always changing in the social media world – what worked on social media 5 years ago may not work now – and there’s always something new to learn from Paul. I hope you’ll be there too! Register here - http://bit.ly/3aj6iVP

The third Self-employed Income Support Scheme (SEISS) grant, announced by Chancellor Rishi Sunak on 5 November, has opened up for applications. This grant covers up to 80% of lost income between November and January. If you meet the eligibility criteria the grant will provide a lump sum up to £7,500 to cover up to 80% of your average trading profits. Beware of scams and only apply via the official Government claims portal, which you can do at any time until 29 January 2021. Once you apply, HMRC will check your claim and pay your grant into your bank account within six working days. You will get an email when your payment is on its way. To apply, or check eligibility, you will need the following official government information: Self-assessment unique taxpayer reference (UTR) – if you do not have this, find out how to get your lost UTR. National insurance (NI) number – if you do not have this, find out how to get your lost NI number. Government Gateway user ID and password – if you do not have a user ID, you can create one when you make your claim. UK bank details (only provide bank account details where a Bacs payment can be accepted) including the bank account number, sort code, name on the account and address linked to your bank account. You must make the claim yourself. Your tax agent or financial adviser must not claim on your behalf as this will trigger a fraud alert. We are expecting a fourth grant covering a percentage of average income from February to April 2021. Employees can still benefit from the ‘furlough’ Coronavirus Job Retention Scheme, paying 80% of a furloughed employee’s salary up to £2,500, which is being extended until the end of March 2021. Many self-employed people are slipping through the net and getting no support. Small business owners I speak to complain that they do not qualify for grants or even bounce back loans because they have recently set up their business or their profits are too low. Whilst there is always the option claiming income support benefits through Universal Credit, many self-employed people are still trying to keep their businesses going through the lockdown and are not technically unemployed. As the government hints at even tougher lockdown action, the Federation of Small Business estimates that 250,000 small businesses will go under this year. By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. See more articles at www.moneytipsdaily.com There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook. See omnystudio.com/listener for privacy information.

The third Self-employed Income Support Scheme (SEISS) grant, announced by Chancellor Rishi Sunak on 5 November, has opened up for applications. This grant covers up to 80% of lost income between November and January. If you meet the eligibility criteria the grant will provide a lump sum up to £7,500 to cover up to 80% of your average trading profits. Beware of scams and only apply via the official Government claims portal, which you can do at any time until 29 January 2021. Once you apply, HMRC will check your claim and pay your grant into your bank account within six working days. You will get an email when your payment is on its way. https://www.gov.uk/guidance/claim-a-grant-through-the-self-employment-income-support-scheme To apply, or check eligibility, you will need the following official government information: · Self-assessment unique taxpayer reference (UTR) – if you do not have this, find out how to get your lost UTR. · National insurance (NI) number – if you do not have this, find out how to get your lost NI number. · Government Gateway user ID and password – if you do not have a user ID, you can create one when you make your claim. · UK bank details (only provide bank account details where a Bacs payment can be accepted) including the bank account number, sort code, name on the account and address linked to your bank account. · You must make the claim yourself. Your tax agent or financial adviser must not claim on your behalf as this will trigger a fraud alert. We are expecting a fourth grant covering a percentage of average income from February to April 2021. Employees can still benefit from the ‘furlough’ Coronavirus Job Retention Scheme, paying 80% of a furloughed employee’s salary up to £2,500, which is being extended until the end of March 2021. Many self-employed people are slipping through the net and getting no support. Small business owners I speak to complain that they do not qualify for grants or even bounce back loans because they have recently set up their business or their profits are too low. Whilst there is always the option claiming income support benefits through Universal Credit, many self-employed people are still trying to keep their businesses going through the lockdown and are not technically unemployed. As the government hints at even tougher lockdown action, the Federation of Small Business estimates that 250,000 small businesses will go under this year. By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. See more articles at www.moneytipsdaily.com There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

As COVID-19 restrictions ease farmers express their delight to be back at the mart ring and Teagasc predict Brexit income support for farmers next year.

Listen to our Family Finances Adviser Derek explain the government's scheme to help self-employed workers through the coronavirus outbreak in the UK.

Māori are about half as successful as Pākehā at getting Covid-19 income support from Work and Income. The Covid Income Relief Payment - which starts at $450 a week - is about twice the jobseeker benefit, and Māori are much less likely to get it. Welfare advocates and academics are calling it an example of systemic bias. Hamish Cardwell has the story. [audio_play] In a written response to RNZ Minister Sepuloni says she has asked MSD to analyse a sample of declined applications in order to understand more about the discrepancy.

This scheme allowed the self-employed trader to claim a first taxable grant, which closed on 13 July 2020. The second and final taxable grant is worth 70% of your average monthly trading profits, and will be paid out in a single instalment covering 3 months’ worth of profits - capped at £6,570 in total. If you're self-employed or a member of a partnership and have been adversely affected by coronavirus (COVID-19) use this scheme if you're eligible to claim the grant. Claims for the first grant are now closed, but the scheme is now open. If you’re eligible and your business has been adversely affected on or after 14 July 2020, you need to make your claim for the second grant on or before 19 October 2020. Who can claim? You can make a claim for the grant, regardless of whether or not you did not claim for the first grant, if your business has been adversely affected on or after 14 July 2020. This is for self-employed traders and you cannot claim a grant if you trade as a limited company (i.e. company director drawing a salary) or operating a trade through a trust.  You will need to qualify under the eligibility criteria, which means that your business has been adversely affected - your business has experienced lower income or higher costs due to coronavirus. HMRC states that you should make an “honest assessment” about whether your business has been adversely affected.   What you need To apply you must have your: Self Assessment Unique Taxpayer Reference (UTR) which should appear on your tax letters or returns – if you do not have this ask your accountant or follow this link - find out how to get your lost UTR When claiming for the Self-Employment Income Support Scheme grant you should: keep a record of how your business has been adversely affected confirm to HMRC that your business has been adversely affected by coronavirus For instance, your business could be adversely affected by coronavirus if you were unable to work because you: are shielding or self-isolating are on sick leave because of coronavirus have caring responsibilities because of coronavirus have had to scale down, temporarily stop trading or incurred additional costs because: your supply chain has been interrupted you have fewer or no customers or clients your staff are unable to come in to work one or more of your contracts have been cancelled Important In order make a claim for the second and final grant your business must have been affected on or after 14 July 2020. Your trading profits must be no more than £50,000 and at least equal to your non-trading income. The UK is officially in the worst recession in decades with the economy shrinking by an unprecedented 20% April to June. Whilst some sectors of the job market showing signs of recovery, this latest news with not help a severely weakened economy. The numbers of unemployment benefits claimants rose sharply from just over 1 million to 2.7 million in the first six months of this year. Other articles available at Money Tips Podcast - www.moneytipsdaily.com   M&S to shed 7000 office and retail jobs John Lewis and Debenhams close stores Debt collectors near top of job vacancy list  Retail sales grew in July and GDP rose 8.7% Third of UK employers plan further job cuts UK economy shrinks by 20% April to June 2020 UK is officially in recession after successive GDP falls One in three UK employers plan more redundancies Redundancies soar fivefold despite furlough scheme Unemployment to double 7.5% and economy slump 9.5%  Half as many jobs are being advertised compared to 2019 Base rate held at 0.1%, interest rates to stay low for 5 years Lenders not passing on rate cuts and mortgage rates going up! The end of furlough sees millions more unemployed this autumn UK house prices reached a new all-time high in July as buyers return UK property prices jumped by 3% since June following stamp duty cut Why UK Property prices rising after stamp duty cut, despite the downturn? New planning rules will open up more opportunities to make money in property You can create a second income during the lockdown…and come out stronger Learn how to make money from property without deposits, mortgages or cash   Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.  Are you ready to adapt to the new economic model? As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?  By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook. If you’d like further information on how to survive the crisis and even quit the rat race, email me at Charles@CharlesKelly.net or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com   See omnystudio.com/listener for privacy information.

A Nelson woman is furious with Work and Income that her efforts to support herself after being made redundant because of Covid-19, have left her financially worse off. She took on casual hospitality work when her hours as a receptionist were slashed and that effort to support herself made her ineligible for the full Work and Income Covid relief payment. A union says there are many others in a similar situation. Hamish Cardwell has the story.

On this mini episode of Appointed, we continue our discussion on guaranteed livable income with the Hassan Yussuff, President of the Canadian Labour Congress.

Quick overview of Brazilian politics this week: what is happening and how that affects your business. This product is developed by PATRI Public Affairs - www.patri.com

Self Employed – have you claimed a grant through the Self-Employment Income Support Scheme? This scheme allowed the self-employed trader to claim a first taxable grant, which closed on 13 July 2020. The second and final taxable grant is worth 70% of your average monthly trading profits, and will be paid out in a single instalment covering 3 months’ worth of profits - capped at £6,570 in total. If you're self-employed or a member of a partnership and have been adversely affected by coronavirus (COVID-19) use this scheme if you're eligible to claim the grant. Claims for the first grant are now closed, but the scheme is now open. If you’re eligible and your business has been adversely affected on or after 14 July 2020, you need to make your claim for the second grant on or before 19 October 2020. Who can claim? Full article and more available at Money Tips Podcast - www.moneytipsdaily.com

Commissioner Carol Cuadrado (Passaic County Board of Social Services) discusses the role of county governance in the implementation of Temporary Assistance for Needy Families (TANF) and other programs. Hosted by Dr. Brad Forenza.

In this podcast with Stephen Halmarick, Chief Economist and Belinda Allen, Senior Economist an update on CBA Household Spending Intentions in June is provided which gives a great benchmark for household behaviour pre recent coronavirus cases in Victoria. Stephen and Belinda also discuss what the weekly card spend data is showing in July so far and an update on what we are seeing in Victoria. RBA Governor Philip Lowe has spoken about the importance of confidence and where RBA policy can and can't go from here. Stephen also shares his thoughts on the extension to JobSeeker and JobKeeper and what we can expect from the July Economic and Fiscal Update on 23 July.   ------ DISCLAIMER ------ Before listening to this report, you are advised to read the full Global Markets Research disclaimers which can be found at www.commbankresearch.com.au. Information in this podcast is of a general nature only. It does not take into account your objectives, financial situation or needs and does not constitute personal financial advice. This report provides general market-related information, and is not intended to be an investment research report. The information contained in this report is approved and distributed by Global Markets Research, a business division of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (“the Bank”). The information is solely for informational purposes and is not to be construed as a solicitation or an offer to buy or sell any securities or other financial instruments. It does not constitute a personal recommendation or take into account the particular investment objectives, financial situations, or needs of individual clients. The data used in the ‘Commonwealth Bank Household Spending Intentions' series is a combination of the CBA Data and publically available Google Trends™ data. Where ‘CBA data' is cited, this refers to the Bank proprietary data that is sourced from the Bank's internal systems and may include, but not be limited to, credit card transaction data, merchant facility transaction data and applications for credit. As the statistics take into account only the Bank's data it may not reflect all trends in the market. All customer data used, or represented, in this report is anonymised and aggregated before analysis and is used, and disclosed, in accordance with the Group's Privacy Policy Statement. The Bank believes that the information in this presentation is correct and any opinions, conclusions or recommendations are reasonably held based on the information available at the time of its compilation but no representation or warranty, either expressed or implied, is made or provided as to accuracy, reliability or completeness of any statement made.

Dozens of mayors and local leaders have called on Prime Minister Scott Morrison to extend coronavirus support payments to tens of thousands of asylum seekers living in Australia. What are the prospects for people denied relief programs like JobKeeper and JobSeeker?

We're now in Week 7 of Lockdown here in the UK. We chat about how things have changed, and where things might be going once Lockdown is lifted. Will businesses still flock on their normal commute into city centres? Or will there continue to be more working from home? Big businesses to scale down their operations to maintain smaller centralised hubs? It would make sense maybe. Our main topic is about the dangers of businesses not diversifying - with Primark being the prime example in recent days, them having ceased to make any money overnight since Lockdown went into effect. From £650 million in sales per month, to £0. Why? Because they have zero e-commerce or m-commerce systems in place, they are 'bricks and mortar' only. So what would your business do if ever faced with this again? Have you come up with ways you can diversify? If you haven't, it's well worth taking a look at again. Always better to be prepared for any eventuality. We take a look at some great examples, in the form of some pizza and beer companies. What's not to like? ALSO - the Government portal for registering and for checking your eligibility for the self-employed income support is now live. We chat briefly about that, about how nice and easy it is to do. If you're self employed, please do check it out and see if you're eligible. They will then contact you in due course when it's time to make your claim. Here's where to see for yourself: https://www.tax.service.gov.uk/self-employment-support/enter-unique-taxpayer-reference Resource referred to in the episode re. Primark: https://www.bbc.co.uk/news/business-52365191?at_custom4=D2E9F15C-83BC-11EA-A11C-41974744363C&at_custom2=twitter&at_custom1=%5Bpost+type%5D&at_campaign=64&at_custom3=%40BBCNews&at_medium=custom7 Brought to you by Brummies Networking, the home of free, stripped-back business networking. https://brummies-networking.co.uk Brummies Networking on Twitter: @brummiesnet BrumPod on Twitter - @brumpod Produced by Happy Content Co. https://happycontentco.com Twitter: @happycontentco Music by Birocratic - birocratic.com Twitter: @birocratic BrumPod - The UK Small Business Podcast. BrumPod is designed for small businesses, because 2/3 of the hosts are small businesses! Our goal is to bring you topics that affect you as a fellow small business owner directly; everything from website tools and technology, changes in regulations, business networking tips, business growth; plus we talk to regular guests from all walks of life, discussing their journeys in working with small businesses to make other people’s lives easier. BrumPod Hosts: Richard Heathcote(VoiceOver Artist) - https://www.richardheathcote.co.uk Iwan Thomas(BusinessCoach) - http://www.iwanthomasassociates.co.uk Jason Jones(SelfStorage) - https://www.accessstorage.com

by Umar Nadeem, Mosharraf Zaidi You can download an e-reader friendly version of this piece here. The Covid-19 pandemic with over half a million cases worldwide, and growing, has already...

Vue Kong Lee share his insights into who is eligible for the coronavirus supplement and what are the processes that we need to go through? - Vue Kong Lee tham txog tias leej twg thiaj muaj cai thov tau cov nyiaj income support ntawm Centrelinks los siv rau lub caij muaj cov kab mob coronavirus (COVID-19) sib kis thiab ho muaj cov txheej txheem li cas?

Maeve McElwee, Director of Employer Relations at Ibec, on the recently-announced government support package and what it means for employers and their employees. Maeve also talks about:Why it is so important to stay connected with staff;Why agility and flexibility are now more valuable than ever before;Remote work - we've replicated the meeting room, now it's time to replicate the water cooler;Why it is important to keep planning even in uncertain times. 

The Squiz is your shortcut to the news. Sign up to The Squiz - www.thesquiz.com.au .“Gotta get up to get down”Squiz Kids, our news podcast for 8-12 year olds. Age-appropriate news, delivered with positivity and humour. Check it out: https://www.squizkids.com.au/ .Commbank (sponsored): commbank.com.au/coronavirus.Origin Energy (sponsored) originenergy.com.au .

The Squiz is your shortcut to the news. Sign up to The Squiz - www.thesquiz.com.au .“Quit playing games with my heart”Squiz Kids, our news podcast for 8-12 year olds. Age-appropriate news, delivered with positivity and humour. Check it out: https://www.squizkids.com.au/ . Squiz Shortcuts, 10 minute podcast episodes that give background and context to big news events that could do with a bit of extra explaining - https://www.thesquiz.com.au/shortcuts . Commbank (sponsored): commbank.com.au/coronavirus.

ACO has been serving its neighbors and friends facing financial crisis in Allen and the surrounding communities in Collin County, Texas since 1985. ACO provides free comprehensive human services to help families avoid hunger and homelessness and gain financial security. ACO offers Income Support including food, clothing, utility and housing assistance, medical visits and prescriptions assistance; and Education and Employment Services including GED classes, college assistance, financial coaching, and career counseling.

The insurer from hell

Welcome to Finance & Fury, the ‘Say What Wednesday’ edition where every week we answer questions from you guys.   Today’s question is from John;   “Thanks for the podcast and the content you provide. I thought a useful podcast topic could be the legislative changes Labour are proposing if they win the next election. Such as changes to franking credits, negative gearing and taxation of family trusts. I thought this could be an interesting topic considering these changes will possibly affect a lot of your listeners, especially small business owners who are operating as a trust etc - John”   Thanks John, that’s a good question, and great timing with the election between 33 days from now (if called on the day listening – min time rules) and May 2019 To start, here is a quick list of the policy changes, not including the bigger ones everyone is talking about; CGT Discount: Going from 50% to 25% (on new investments after 1/7/17). This applies to business as well. Superannuation: SG increase to 12% On one hand it’s good for people when they actually retire down the track…but not so good along the way Plus, open to legislation risk and provides tax surplus/infrastructure funds for the Government Non-concessional cap to be reduced to $75,000 No more borrowing inside Super anymore (SMSF) 30% contribution tax for those earning over $200k p.a. in total income (including super contributions) The Three Big Changes Removal of Negative Gearing According to the ABS, 21% of households owns a second home as an Investment property 35% of dwellings are investment properties (rental properties) Property may become less valuable in investors eyes Check out episode Furious Friday ep 27 https://financeandfury.com.au/furious-fridays-dissecting-labors-plans-for-housing-affordability/ and Say What Wednesday ep 33 https://financeandfury.com.au/say-what-wednesdays-housing-market-history-and-lowering-property-prices-sustainably-in-the-future/ Family Trusts – changes to distribution laws Implement a thirty percent (30%) floor on the taxation that applies to distributions made by discretionary trusts ‘Distributions cost $3.5bn to government in lost tax revenue’ How it works – You have investments (or Business) inside of a family trust Assets earn income (profits) which is distributed to the adult members who have the lowest MTR Under 18 years of age get TFT of $416 – then 66% and down to 45% Can’t retain earnings The Income splitting example that Labour gives: Sam is a surgeon and is married to Melissa who doesn’t work. They have two adult children who attend university and who also don’t work. Sam earns $500,000 a year from his work (pays tax PAYG) They have a discretionary trust with investments which generates $54,000 in income from their investments. They attribute $18,000 to Melissa and $18,000 to each of their two children, so no tax is paid on the $54,000 distribution as Melissa and the two children are each under the tax-free threshold. This represents a tax saving of $14,460 compared to if the investment income been attributed to just Sam and Melissa Total tax Sam pays on his earned income - $208,097 They only get to save $14,460 on investments If the new rules are bought in, then $224,297 will need to be paid in tax (40.5% compared to 37.6% tax on all income under the current arrangement) … They are paying a lot in tax! What people forget is this; “Sam” spent $200k-300k on becoming a surgeon, and delayed his earnings until his late 30s to early 40s. Also, being able to distribute to kids is very short lived $54k to Melissa = $9460 tax ($5k tax saved) Example 2 – A similar scenario with different earnings, and one I see more commonly; Sam earns $120k, Melissa earns $60k. They have 2 adult children earning $15k each while at uni. They split the $54k distribution between the kids. This results in $9,391 tax saved, compared to parents splitting the distribution 50/50 Total income = $264k, of which the family pays $56,468 tax to redistribute under the current agreement (rather than $65,859) Under new system the total tax will be $62,034 Some Issues Shorten admitted 200 thousand small businesses will be impacted – these are the people he is supposedly representing Tradies, and others, who use these structures for asset protection at no benefit to income in most cases Now they will pay a minimum 30% tax on their earned income rather than MTR Testamentary, disability and charitable trusts, deceased estates and other good will trusts will be impacted     The removal of Franking Credits   How Franking Credits work You own shares in a company, and as owner you are entitled to Profits (Dividend payments) Gross Profits come from Revenues – Costs (interest, expenses), Net profits = Gross Profits minus Taxes Profits are paid out to shareholders (minus what is kept by company) The dividend is received by individuals. The ATO assesses the Dividend + the Franking Credit ($1.425 instead of $1) If over 30% MTR, you get nothing back, under 30% MRT get something back The objective of the dividend imputation system is to eliminate double taxation of company profits - once at the corporate level and again on distribution as dividend to shareholders. More specifically, it is intended to create a "level playing field" by taxing the same activity in the same way, irrespective of the business structure being used, namely a company or trust, sole trader or partnership. This is equality.   Removal of Franking Credits will really only affect those in the tax bracket less than 30%, that is, low income individuals and Self-Funded retirees (Super) Pensioner exemption People on Benefit Payments from the Government will be exempt (back dated to May 2018) The plan is for equity but you’ll have people receive lower incomes overall if they aren’t receiving the pensioner exemption Labour Claims; “Distributional analysis has shown that for people of retirement age more than 80 per cent of the benefit of imputation refundability goes to the wealthiest 20 per cent of households” But how many retirees do you think own shares? It’s actually 22% of people over the age of 65. So, 80% of the benefits go to these people … because they’re not on the Aged Pension 70-77% of over 65 are on support payments (Aged Pension) It’s this “wealthy” 20% that are funding their own retirement. The rest are on government benefits. Current demographics - approximately 16% of Australia’s population is over 65. This is going to increase to more than 25% in less than 30 years. This new agreement degrades individuals’ ability to have a self-funded retirement and generate their own income… which puts them into the government support system instead. Self-funded retirees If the Franking Credit Rebate goes, the income from Australian Shares can drop by 30% (gross) Remember, we’re talking not just about SMSF, individual super accounts also benefit from franking credits Here’s an example; a husband and wife have saved hard, and have investments of $800k in shares (inside or outside super is irrelevant). This generates (based on a 5% dividend yield) $57,142 of income off Fully Franked shares and credits This drops to $40k if the changes get passed – loss of 30% of income This also applies if individual don’t have this in super – a lot of older Australians who are self-funded don’t have superannuation Reduces people’s ability to be self-funded in retirement, which is going to be an issue if the Government can’t keep up increased payments required – the $5bn to $10bn forward estimates on extra tax wont cover this increase in AP payments Long term – opens the door for removal of Franking Credits all together. There are only 3 countries left with them (Australia, Malta, NZ). Others removed them over the years. Soon it won’t be fair for someone earning $100k in dividends only to pay only a few hundred in tax ($42k paid by company already). If Franking Credits are removed an individual pays $27k of tax on top of the $42k paid by company Change of company behaviour – what if investors no longer value dividends? Or if companies prefer to reinvest income and pay less tax? American model – Reinvestment of funds better than double taxation of income = Capital gains > Dividends Biggest companies in USA have very small profits as they don’t need to pay investors income Alphabet (Google) = 0% at $785bn market cap, Amazon = 0% at $805bn MC – Second year $0 tax paid Facebook, Microsoft, Berkshire - Warren Buffett, believes it is more beneficial to allocate the company's earnings in other ways Reinvestment = CAPEX cost to business – more you spend less you pay in tax – especially if you fund it off debt – don’t need to make money to pay dividends Typically, companies not paying tax = no dividends Capital gains are fine – but you will pay more tax when you sell under 25% CGT discount Australian Market - unfranked 6.5% dividend yield on bank stocks – gross us 8% 9% yield they can get on US equities – Our index is 4.4% EU and Asia – about 3% average – Partial franking   What these policies will really hurt (Franking Credits and Trusts) – What’s not spoken about Small – medium businesses – 200k+ businesses trying to make it on their own (and employ others) Small businesses are set up in trusts – tradies pay themselves drawings out of the trust at MTRs Increase to 30% tax will means they now have to pay themselves super Increases to 12% in SG payments = Drop in what you can draw Disabled, Charity trusts – All payments will be 30% rather than 0% due to nature of structures Low income earners – Not on Income Support – no cash back Self-funded retirees Who this helps Large construction/trades companies Less competition long term – lower wages – limited to start something of your own effectively Industry Super Funds – Less competition in alternative choices More money flowing into super funds from SG increase No benefits from SMSF or   Love going through election budget promises – This budget is ‘fair go’ – going for equity (equalise outcomes) Not taking you is portrayed as a ‘cost’ – ironic – Costs in government language is not charging you tax beyond that they already do Not taking all income earned is a Trillion-dollar cost to them Everything is saying the budget is in deficit – true – so stop spending – Every year more taxes – to cover spending – ill cover this point in the future – but spending to GDP over 100 years is confronting   All of this is just another carve out for more money based around the argument of making things equitable (one rule for me and one rule for thee)   I don’t think it will just stop with this. – further complexity = more money needed to run ATO – Billions more in costs to collect tax – almost like debt collectors who take a large clip of what they get back   Thanks for the question John. If you have any other questions head to www.financeandfurycom.au and head to the contact page       Links https://www.charteredaccountantsanz.com/member-services/technical/tax/tax-in-focus/Australian-Labor-Party-Policies-for-2019-Federal-Election https://www.alp.org.au/campaigns/ https://www.alp.org.au/media/1276/2018_alp_national_platform_-_consultation_draft.pdf Share ownership stats https://www.asx.com.au/documents/resources/australian-share-ownership-study-2014.pdf  

Angela Mason, Camden Councillor and lead on matters concerning children and families, talked with Camden Community Radio about her concerns re the roll out of the Government’s policy of Universal Credit to Camden. All new claims for Child Tax Credit, Housing Benefit, Income Support, Income-based JobSeekers Allowance, Income-related Employment & Support Allowance and working tax credit will be replaced by Universal Credit and claims will have to be made online rather than in person. In 2019, all Housing benefit claims, excluding those of pensioners are to be replaced by Universal credit. Early rollout of the scheme suggests that it will drive people into deeper poverty and great hardship. Package: Marian Larragy Government on Universal Credit :: Citizens Advice Bureau on Universal Credit :: Back to Camden Community Radio home page :: Follow Camden Community Radio on Twitter :: File Download (17:13 min / 16 MB)

Angela Mason, Camden Councillor and lead on matters concerning children and families, talked with Camden Community Radio about her concerns re the roll out of the Government’s policy of Universal Credit to Camden. All new claims for Child Tax Credit, Housing Benefit, Income Support, Income-based JobSeekers Allowance, Income-related Employment & Support Allowance and working tax credit will be replaced by Universal Credit and claims will have to be made online rather than in person. In 2019, all Housing benefit claims, excluding those of pensioners are to be replaced by Universal credit. Early rollout of the scheme suggests that it will drive people into deeper poverty and great hardship. Package: Marian Larragy Government on Universal Credit :: Citizens Advice Bureau on Universal Credit :: Back to Camden Community Radio home page :: Follow Camden Community Radio on Twitter :: File Download (17:13 min / 16 MB)

Tuesday Breakfast April 3rdwith Ayan, George, Lauren & Anya7.00am  Acknowledgement of Country7.05am News of the Week7.15am  Lauren speaks to Sonia Law, Manager of the Mental Health and Disability Advocacy Program at Victoria Legal Aid, to discuss Victoria Legal Aid's ongoing advocacy work related to improving the NDIS and highlighting some of the significant ways it is currently failing Legal Aid's clients.7.30am George speaks to Lee Carnie from the Human Rights Law Centre, regarding recent reforms in Victoria to deliver marriage equality to trans people. 7.45am George speaks with Nick Carson, a genderqueer, trans femme educator in Naarm from MESEJ ,to discuss a workshop on constructing and deconstructing gender in education and what we can do to dismantle oppressive gender systems towards creating safer learning spaces for LGBTIQA+ people.8.00am Erik Ly is a RISE member and is the support services and foodbank coordinator at RISE. Ayan and Erik discuss the government's cut backs on income support for asylum seekers. 8.20am We play a video that members of RISE have produced in consultation with First Nations peoples - a solidarity statement which calls for all supporters to boycott the Stolenwealth (“commonwealth”) Games which is to be held in Queensland, Australia in April 2018.Musicartist: Ibeyi song: No Man is Big Enough for my Arms artist: Solangesong: Scales artist: Noname song: Sunny Duet ft. The Mind artist: Sampa the Great song: Revolution

Renee and her guests discuss the growth of Kentucky's disability beneficiaries over the last 35 years and the reasons for the increase. First, she speaks with Commissioner Bryan Hubbard, Department of Income Support at the Kentucky Cabinet for Health and Family Services. Next, Renee speaks with Dustin Pugel, research and policy associate at the Kentucky Center for Economic Policy.

Renee and her guests discuss the growth of Kentucky's disability beneficiaries over the last 35 years and the reasons for the increase. First, she speaks with Commissioner Bryan Hubbard, Department of Income Support at the Kentucky Cabinet for Health and Family Services. Next, Renee speaks with Dustin Pugel, research and policy associate at the Kentucky Center for Economic Policy.

In Jared’s first episode back from China, he and Ben interview Arloc Sherman and Tazra Mitchell about the effectiveness of safety net programs. As Arloc and Tazra describe, programs like SNAP (formerly called food stamps) and the Earned Income Tax Credit, which provide poor families with income assistance, carry both near-term and long-term benefits for children in the families that receive them. Arloc and Tazra’s paper (“Economic Security Programs Help Low-Income Children Succeed Over Long Term, Many Studies Find”): https://www.cbpp.org/research/poverty-and-inequality/economic-security-programs-help-low-income-children-succeed-over Musical Interlude: “I Second That Emotion” by Smokey Robinson and the Miracles https://www.youtube.com/watch?v=SNcOYvogheY&list=RDSNcOYvogheY

Crime in the Armed Forces - Laurie Taylor talks to Emeritus Professor of History, Clive Emsley, about his pioneering, historical study into criminal offending by members of British armed forces both during and immediately after the two world wars of the 20th century, and concluding in the present day. For a quarter of the 20th century, the UK had large conscripted armed forces and it is these services, and in particular the Army, that are the principal focus of this study. Emsley argues that the forces "reflect the society from which they come, both the good and the bad", pointing out that it's predominantly made up of younger men, the social group that commits the most crime. He also examines two popular assumptions about crime and war; namely, that crime decreases when wars begin as young men - those likeliest to commit crimes - are swept up into the forces; and that crime goes up at the end of war as men brutalised by combat returned to the civilian world but, unable to cope with 'peacetime', engage in crime and violence. Dr Deirdre MacManus, from King's College, joins the discussion, having recently completed a study into the relationship between combat experience and violent crime amongst British soldiers returning home from Iraq and Afghanistan. Also, Ruth Patrick's research into the lived experiences of welfare reform. She's interviewed a range of out of work benefits claimants between 2011 and 2013. Talking to single parents being moved from Income Support onto Jobseeker's Allowance, disabled people waiting to be migrated off Incapacity Benefit and onto Employment and Support Allowance, and young jobseekers experiencing the new Jobcentre/Work Programme and sanctions regime, her study gives a unique insight into the impact of a revolution in 'welfare' provision on 'real' people. Producer: Jayne Egerton.

Tim Dalby of Aspire Estates talks to Graham Laycock about the latest from the Council of Mortgage Lenders on the impact of Income Support reductions for mortgage support and a look at properties available for sale and to rent in Sunbury-on-Thames.