Podcasts about National Insurance

Naomi Smith and Alex Andreou, with special guest, economist Vicky Pryce take a detailed look at the Spending Review. Does the ambition match the maths? And in Part II, we ask whether, before we have another inquiry, we need to question whether this slow, expensive model achieves change or actually impedes it. Plus 'Wokey Dokey' and 'Grin And Share It'. ***SPONSOR US AT ⁠⁠⁠⁠⁠⁠⁠⁠KO-FI.COM/QUIETRIOTPOD⁠⁠⁠⁠⁠⁠⁠⁠*** “Infrastructure matters hugely. If you want to be competitive and have an economy with high productivity you have to put the infrastructure in place.”  “What this new government really should have done is immediately reversed the National Insurance contribution cut that Jeremy Hunt gave just before the election. That twenty billion accounts for most of the black hole they found when they came into power.” “Public inquiries have become a tool for governments to put distance between themselves and the problem. Instead of being an instrument for change, they are a way to take energy out of a push for change.” “Often, the very people screaming about rape gangs are the same people saying, we shouldn't have age-appropriate sex education, the very people denying children agency over their own bodies, denying them education to give them the language to be able to talk to someone who can help.” “It seems utterly bizarre to end up in a situation where the Prime Minister says: ‘Well, I read the report and it convinced me," and everyone's reaction is: ‘What? This is outrageous!'” CALLS TO ACTION Buy Vicky's books - and support a local bookshop - at our online bookstore. Read about the work of Campaign for The Arts here. Find out more about the National Association for People Abused in Childhood (NAPAC) here. GRIN AND SHARE IT Discover more about nano-needle technology! ***SPONSOR US AT ⁠⁠⁠⁠⁠⁠⁠⁠KO-FI.COM/QUIETRIOTPOD⁠⁠⁠⁠⁠⁠⁠⁠*** With Naomi Smith, Alex Andreou and Kenny Campbell. A Cooler Heads production, in cahoots with Sandstone Global. Email us at ⁠⁠⁠⁠⁠⁠⁠⁠quietriotpod@gmail.com⁠⁠⁠⁠⁠⁠⁠⁠. Or visit our website ⁠⁠⁠⁠⁠⁠⁠⁠www.quietriotpod.com⁠⁠⁠⁠⁠⁠⁠⁠. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Today's conversation is with Sasha Yanshin, a data analyst turned content creator whose brutally honest commentary on the UK economy has earned him a loyal audience across YouTube and social media.Sasha studied Maths at Oxford before going on to work with major organisations like Phones4U, Barclays, Capital One, MBNA, HSBC, Mastercard, RBS, and Tesco Bank. He's now best known for his YouTube channels Sasha Yanshin and Sasha Takes on the UK, where he cuts through political spin and media narratives to explain what's really going on with the UK economy.Expect to learn:Why “unexpected” is the most misleading word in economic headlinesThe collapsing UK high street — barbers, vape shops, and money laundering concernsThe real impact of business rates and National Insurance hikes on small businessesLabour's rumoured wealth tax — will it actually generate revenue or destroy it?The hidden truth about National Insurance and how it misleads workersHow the minimum wage has risen 60% in 5 years, and why that isn't as helpful as it seemsUK's unfunded pension liabilities at 200% of GDP — is this sustainable?Wages are up — but why that might not be a good thingThe brain drain — why global innovators are fleeing the UKWhy US culture encourages entrepreneurship more than the UK - and how we fix thatSasha's take on AI's potential economic impact, and what needs to change for the UK to progressThis is a hard-hitting, eye-opening chat about how policy decisions and short-term thinking are affecting your money, your future, and your country.Whether you're a business owner, voter, or just someone trying to make sense of what's happening in the UK, this episode is a must-listen.Today's episode is optimised by Puresport.You can save 10% using code CAMBRO10 – https://bit.ly/3RmVT0V Connect with Sasha:YouTube: https://www.youtube.com/c/SashaYanshinSasha Takes on the UK: https://www.youtube.com/@sashatakesonukTwitter/X: https://x.com/sashayanshinConnect with Col:Instagram: https://www.instagram.com/col.cambro/Email List: https://mailchi.mp/548e38ba5942/colincambroPatreon: https://www.patreon.com/ColCampbell

Rachel Reeves has pledged a ‘new era of nuclear power' as the government confirms a £14.2 billion investment in the Sizewell C nuclear plant in Suffolk. This comes on the eve of Labour's spending review, with the government expected to highlight spending pledges designed to give a positive impression of Labour's handling of the economy. However, as Michael Simmons tells James Heale and Lucy Dunn, there are signs that the government's National Insurance hike is starting to bite.Plus – Nigel Farage has made two announcements in as many days. This morning, he unveiled Reform's new chairman, former MEP Dr David Bull, taking over from the recently returned Zia Yusuf. And yesterday he was in Port Talbot, where he pledged to reopen their steel works and even explore reopening coal mines, with one eye on next year's Welsh elections. Produced by Patrick Gibbons. Hosted on Acast. See acast.com/privacy for more information.

Salary sacrifice and National Insurance changes have created significant challenges for employers across the UK. However, every challenge presents an opportunity — and this episode of the I Hate Numbers podcast is all about turning rising employment costs into smarter savings. We break down the April 2025 National Insurance changes, explain the mechanics and advantages of salary sacrifice, and outline legal steps every business must follow. With real-world examples, tax-saving insights, and proactive advice, we show you how to keep costs down while maintaining employee benefits. If you're an employer navigating these changes, or an accountant advising clients, this episode will give you the practical knowledge and tools to plan ahead and reduce unnecessary tax burdens. Main Topics & Discussion Understanding the April 2025 National Insurance Changes From April 6th, 2025, National Insurance costs for employers increased from 13.8% to 15%, while the threshold dropped from £9,100 to £5,000. An increase in the employer's NI allowance from £5,000 to £10,500 helps, but many will still face higher contributions per employee. Additionally, Class 1B contributions have also risen to 15%, increasing overheads significantly. What Salary Sacrifice Actually Means Salary sacrifice is a voluntary agreement where employees trade part of their gross pay for non-cash benefits — like pension contributions or cycle-to-work schemes. This setup results in lower taxable pay, meaning both the employer and employee pay less in National Insurance while still gaining the same benefits. How Salary Sacrifice Works in Practice Take pensions, for example: without salary sacrifice, the employee pays £500 into their pension from net salary. With salary sacrifice, their gross salary is reduced by £500, and that amount goes straight into the pension. Both parties then enjoy NI savings. The Financial Benefits Are Clear Employers could save up to £900 per employee annually. Employees also reduce their own NI contributions. Multiply these savings across a workforce, and the financial impact becomes substantial — all without reducing actual pension value. Eligible Benefits for Salary Sacrifice Despite recent limitations, options like pensions, low-emission vehicles, workplace nurseries, and bikes with safety gear still qualify. Each brings tax efficiencies when structured correctly. Legal Requirements You Must Follow It's critical to follow the rules: update contracts, ensure genuine salary reductions, and never backdate arrangements. These schemes must be implemented before payroll runs. Errors could result in HMRC scrutiny. Why Act Sooner Rather Than Later The earlier you start, the greater your savings. Delaying means more months of paying higher National Insurance. Don't let inaction eat into your profits — explore your options now. Links Mentioned in This Episode

UK Economic Stagnation AnalysisNick Cohen @NickCohen4 talks to Simon Nixon @Simon_Nixon discussed the UK's economic stagnation since 2008, highlighting the impact of financial sector reliance, austerity policies, and Brexit. They analysed Keir Starmer's recent EU trade deal, noting modest improvements but emphasising its limited impact on addressing broader economic challenges. Simon suggested that deeper EU integration could yield greater economic benefits, while Andrew questioned whether rejoining the EU would be politically feasible.Businesses Navigate Political Party ChallengesNick Cohen & Simon Nixon discuss the challenges businesses face in aligning with political parties, particularly the Conservative Party, due to its current opposition to policies beneficial for business, such as the Brexit deal and trade agreements with India. They noted that businesses may seek alternatives to advance their agendas, given the presence of multiple parties in the political landscape. Simon highlighted the economic impact of the recent National Insurance rise, which was implemented to fund social care but has been met with skepticism and uncertainty about its long-term effects on employment and inflation.Economic Policy Challenges and SolutionsSimon and Nick discussed the challenges of economic policy, particularly the reliance on low tax rates and central banks to stimulate growth. They agreed that raising taxes is necessary to reduce debt and ease pressure on central banks, as seen in both the UK and US.Economic Challenges in UK and USThe discussion focused on the economic challenges facing both the UK and the US, with Simon Nixon highlighting how Liz Truss's fiscal policies have left limited room for manoeuver before requiring tax increases or spending cuts. Nixon compared the US situation under Donald Trump, noting that while Trump's tax cuts were temporary, his administration is now pushing through a budget that would increase the deficit by $3.3 trillion over the next decade, primarily to prevent tax rates from rising.Global Economic Challenges and ReformsSimon discussed the global economic challenges facing various countries, including Britain, France, Germany, and Italy, emphasising that no country has a perfect solution. He highlighted the impact of technology, particularly AI, on employment and the need for bold administrative reforms to improve state management. Simon also touched on the Labour Party's sudden rise to power and the lack of comprehensive plans upon taking office, noting the difficulty of implementing significant reforms while in government.Read all about!Simon Nixon's Substack column Wealth of Nations is one of the best and most insightful reads on economics and finance. His latest column - Europe's Crippling Risk Aversion - is here.Nick Cohen's regular Substack column Writing from London on politics and culture from the UK and beyond is another must-read. Hosted on Acast. See acast.com/privacy for more information.

How should you pay yourself in 25/26? In this episode Dan runs you through ‘the best' salary levels for a director of a small limited company, in the 23/24 tax year. He chats about profits, salary, dividends, tax, National Insurance…. all this and more on today's HeelanHub! www.heelanassociates.co.uk/podcast - the show for UK small business owners. info@heelanassociates.co.uk 02392 240040

Marbury v. United National Insurance

Keir Starmer presented the US/UK trade deal as a jobs-saving triumph. Badenoch claims we were “shafted”. What's the real picture? Will car, beef and ethanol (?) exports to the US make a difference to our economy? Why are the people who demanded Brexit so furious that we've signed exactly the sort of deal Brexit was supposed to facilitate? And while we're here, what's the truth about the Indian trade deal and the National Insurance exemptions that so enrage the the Take Back Controllers? Import/export expert Dmitry Grozoubinski, author of Why Politicians Lie About Trade, walks Andrew Harrison through the intricacies of the deal and explains what's coming next. • Buy Why Politicians Lie About Trade through our affiliate bookshop and you'll help fund The Bunker by earning us a small commission for every sale. Bookshop.org's fees help support independent bookshops too. • Support us on Patreon for early episodes and more. • We are sponsored by Indeed. Go to indeed.com/bunker to get your £100 sponsored credit.   Written and presented by Group Editor Andrew Harrison. Audio production by Robin Leeburn. Produced by Liam Tait. Music by Kenny Dickinson. Managing Editor Jacob Jarvis. THE BUNKER is a Podmasters Production. www.podmasters.co.uk Learn more about your ad choices. Visit podcastchoices.com/adchoices

Governments around the world have raided private pensions, seized assets, and shifted retirement promises. Is the UK state pension safe — or is it a slow-moving Ponzi scheme? In this episode, we break down historic examples, population math, and why Bitcoin may be your way out.

Morse code transcription: vvv vvv Bristol street sex workers help police to stop child abuse Biden BBC interview Trump appeasing Putin with pressure on Ukraine Criminals who skip sentencing could face two more years in jail Five takeaways from Bidens BBC interview West Midlands housing estates plagued with constant problems Final designs revealed for Queen Elizabeth memorial Kashmir Why India and Pakistan fight over it What we know about Indias strike on Pakistan and Pakistan administered Kashmir Government defends National Insurance exemption in UK India deal The wedding with almost 100 bridesmaids

Morse code transcription: vvv vvv Criminals who skip sentencing could face two more years in jail Five takeaways from Bidens BBC interview West Midlands housing estates plagued with constant problems The wedding with almost 100 bridesmaids Final designs revealed for Queen Elizabeth memorial Government defends National Insurance exemption in UK India deal Kashmir Why India and Pakistan fight over it Bristol street sex workers help police to stop child abuse Biden BBC interview Trump appeasing Putin with pressure on Ukraine What we know about Indias strike on Pakistan and Pakistan administered Kashmir

Morse code transcription: vvv vvv Criminals who skip sentencing could face two more years in jail Final designs revealed for Queen Elizabeth memorial Kashmir Why India and Pakistan fight over it Bristol street sex workers help police to stop child abuse The wedding with almost 100 bridesmaids What we know about Indias strike on Pakistan and Pakistan administered Kashmir Biden BBC interview Trump appeasing Putin with pressure on Ukraine Government defends National Insurance exemption in UK India deal Five takeaways from Bidens BBC interview West Midlands housing estates plagued with constant problems

Morse code transcription: vvv vvv Five takeaways from Bidens BBC interview Kashmir Why India and Pakistan fight over it Bristol street sex workers help police to stop child abuse Final designs revealed for Queen Elizabeth memorial Government defends National Insurance exemption in UK India deal The wedding with almost 100 bridesmaids Biden BBC interview Trump appeasing Putin with pressure on Ukraine What we know about Indias strike on Pakistan and Pakistan administered Kashmir Criminals who skip sentencing could face two more years in jail West Midlands housing estates plagued with constant problems

What are the numbers behind the new trade deal between India and the UK? Have the Conservatives lost all economic common sense? Will it matter to voters whether Reform UK's economic policies are bonkers? Robert and Steph discuss these questions and more. We appreciate your feedback on The Rest Is Money to help make the podcast and our partnerships better: https://opinion-v2.askattest.com/app/41f5060f-0f52-45bc-bf86-bf3c9793618e?language=ENG ⁠Sign up to our newsletter⁠ to get more stories from the world of business and finance. Email: ⁠restismoney@gmail.com⁠ X: ⁠@TheRestIsMoney⁠ Instagram: ⁠@TheRestIsMoney⁠ TikTok: ⁠@RestIsMoney⁠ ⁠goalhanger.com⁠ Visit: ⁠monzo.com/therestismoney⁠/ Assistant Producer: India Dunkley, Alice Horrell Producer: Ross Buchanan Head of Content: Tom Whiter Exec Producers: Tony Pastor + Jack Davenport Learn more about your ad choices. Visit podcastchoices.com/adchoices

The UK and India have agreed to the terms of a free trade deal, set to be Britain's largest since Brexit. Yet, controversial tax breaks could exempt Indian migrants from paying National Insurance for the next three years, a move that critics are calling ‘pro-immigration'. And catholics wait for the sign of white smoke as cardinals gather behind the Vatican's closed doors to choose the next pope. Despite the unpredictability of the conclave, there are some candidates emerging as favourites with eleven main contenders and the chosen cardinal is widely expected to carry on Pope Francis's agenda of progressive politics when elected. From St Peter's Square, The Telegraph's Tim Stanley speaks with Camilla and Kamal on the frontrunners, the history of the ritual and whether the electors might be watching the Oscar-winning film Conclave for research. Producer: Georgia CoanProduction assistance from Oliver Macnaughton and Lina Adams Planning Editor: Venetia RaineyExecutive Producer: Louisa WellsSocial Media Producer: James SimmonsVideo Editor: Valerie BrowneStudio Operator: Meghan SearleEditor: Camilla Tominey Hosted on Acast. See acast.com/privacy for more information.

The UK and India have finalised a major trade agreement, reducing tariffs on UK exports including gin, whisky and cars. The government says the agreement will eventually add £4.8bn per year to the UK economy, but the Conservatives say a National Insurance exemption for temporary workers from India is ‘two tier' taxation. Also on the programme: India carries out air strikes on what it called ‘terrorist targets' in Pakistan and Pakistani administered Kashmir; and we hear from Syria where families are trying to find the remains of their loved ones killed by the Assad regime.

More funding pressures for the PSNI - the Nolan Show can reveal it has to find another £7M from its cash strapped budget to pay for the rise in National Insurance contributions. And a former senior police officer warns about the impact on front line services and says Stormont must step in.

With the Commons in recess the pod heads down the pub for another episode looking at the UK's hospitality industry and the struggles it continues to face - with a host of global headwinds and domestic policy contributing to a bleak outlook for the sector in 2025. Joining host Alain Tolhurst for a pint in The Westminster Arms, a stones throw from Parliament, is Conservative MP Richard Holden, vice chair of the all-party parliamentary group on Pubs and the Shadow Paymaster General, Morgan Schondelmeier, policy manager on tax and trade at the British Beer and Pub Association, Ellie Hudspith, campaigns manager for CAMRA, the Campaign for Real Ale, Steve Alton, CEO of the British Institute of Innkeeping, and Jonny Garrett, chair of the British Guild of Beer Writers and co-host of the Craft Beer Channel. They discuss what the government can do to help this crucial part of the economy, that not only contributes £54 billion in tax receipts, £20 billion in exports, and is the third largest employer in the UK - but also plays a vital role in the country's social fabric - after it was hit by the triple of whammy of rising business rates, a National Insurance hike, and increased staff costs, this month.To sign up for our newsletters click herePresented by Alain Tolhurst, produced by Nick Hilton and edited by Ewan Cameron for Podot

BBC NI Economics and Business Editor John Campbell and SDLP Cllr Carl Whyte discuss

Over the past few weeks there's been speculation over the future of ISAs - Individual Savings Accounts. At the moment each saver can deposit up to £20,000 each tax year into an ISA tax-free, but there have been reports that the Treasury is considering making some changes. Things like lowering the limit to £4,000. In a statement to Money Box the Chancellor Rachel Reeves said that while it's important to support people to save, they want to get the balance right. She wants to create "more of a culture in the UK of retail investing." What does that mean and what might change?Some listeners have been experiencing delays after trying to boost their state pension by filling old gaps in their National Insurance record. At the moment a window is open for people who have not yet reached pension age and those already on the new state pension to fill gaps in their record back as far as 2006. But in just a few weeks time that window will close. The government told us that it's processing payments as quickly as possible and that people who at least take the first step by 5 April will still be able to fill those gaps.Are water companies banned from sending out bills for water used more than 12 months ago as energy suppliers are? And more than 35,000 people who were aged 55 or over took out new mortgage loans in the last 3 months of 2024, up 30% on the year before, what's behind the rise?Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 8th March 2025)

Get your free verifiable CPD for this episode here >>>  https://www.dentistswhoinvest.com/videos/what-the-spring-budget-means-for-dentists-with-david-hossein———————————————————————Chancellor Rachel Reeves's spring statement brought limited changes, but dental practices still face significant financial shifts from April 1st stemming from October's budget announcements. Specialist dental accountant David Hossain breaks down exactly what dental professionals need to know right now.The increasing cost pressures on dental businesses deserve close attention. With employer National Insurance contributions rising by 1.2% and the National Living Wage jumping to £12.21 hourly, practice owners face immediate decisions about pricing structures and operational expenses. Meanwhile, those considering practice sales should take note of the Business Asset Disposal Relief tax rate climbing from 10% to 14% on the first £1 million of proceeds - a change triggering a flurry of transactions before the April deadline.Beyond these immediate concerns, dental professionals should prepare for expanding HMRC enforcement activity. Random practice inspections are becoming more common after years of relative quiet, while late payment penalties increase to 10%. Making Tax Digital also moves forward despite delays, eventually requiring quarterly accounting submissions. With economic growth forecasts halved to just 1% and government welfare cuts expected to push 250,000 people into poverty, the broader economic environment presents additional challenges for dental businesses.Want to turn listening into learning? We're excited to announce that this episode offers free verifiable CPD to all UK dentists. Simply click the link in our description, complete the questionnaire, add your reflections, and we'll email your certificate. Stay financially informed while meeting your CPD requirements - subscribe now for more essential insights that protect and grow your dental business.———————————————————————Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional.Send us a text

This week on The Tax Factor, Blick Rothenberg CEO Nimesh Shah and Heather Self break down the Chancellor’s very uneventful Spring Statement. No surprises, no fiscal fireworks - but don’t be fooled. With major tax changes hitting in April, your wallet will feel it. And as for the Autumn? Nimesh and Heather predict another ‘black hole’ in the public finances, so could Labour be forced to rethink pledges on pensions, Income Tax, VAT, or National Insurance? See omnystudio.com/listener for privacy information.

Rachel Reeves Out of Her Depth and On the Freebie Take Again! In this video, Jon Gaunt dives deep into the latest political scandal involving Rachel Reeves, the Labour Chancellor of the Exchequer. As pressure mounts on the UK government to deliver a Spring Statement that satisfies both the markets and the Labour Party, Gaunty asks: Is Rachel Reeves really up to the task? Is she simply out of her depth in this high-stakes political environment? Jon also covers the breaking news that Rachel Reeves has been caught accepting freebies again — this time, tickets for Sabrina Carpenter. Why is she unable to buy her own tickets? It raises serious questions about her ability to lead and make tough decisions for the country. Looking back at last July, it's hard to believe that under Labour leadership, the government would be making decisions like cutting disability benefits, slashing overseas aid, reducing the civil service, tightening eligibility for the winter fuel allowance, and even raising National Insurance on employers. What's really going on in UK politics, and can Labour continue to be trusted with the nation's future? This video provides a sharp analysis of the UK political landscape, offering debate, free speech, and insights into the actions of Rachel Reeves. Don't forget to like, comment, and subscribe for more in-depth analysis on UK politics and breaking news. Keywords/Tags: Rachel Reeves, Jon Gaunt, UK politics, Labour Party, UK news, political scandal, Spring Statement, disability benefits, overseas aid, civil service cuts, National Insurance, free speech, Gaunty, political analysis, UK Chancellor, Labour government, Sarah Carpenter tickets, political debate, Labour leadership, UK economic policies, political pressure, freebie scandal, UK government news, March 2025 politics.

Recording of the introductory remarks at the Academy of Ideas Economy Forum on 20 March 2025. Ever since the great financial crisis of 2008, growth in Britain – both in terms of GDP and living standards – has stagnated. While the Covid pandemic and lockdowns didn't help, the problems of the UK economy (indeed, most Western developed economies) are longstanding. What has gone wrong? Labour has promised a return to growth, yet the new government has already announced big hikes in taxes like employers' National Insurance, while promising billions in investment into decarbonising the electricity grid and imposing regulations on everyone from car manufacturers to house builders. Unsurprisingly, the economy only just avoided a technical recession in the second half of last year and GDP per capita has fallen. For Lord Jon Moynihan, author of the recent two-volume Return to Growth: How to Fix the Economy, the blame lies with high levels of taxation and government spending – particularly spending on growth-stifling projects and programmes. In advance of the latest forecasts from the Office for Budgetary Responsibility and Rachel Reeves's spring statement, what should we do to revive the economy?

Minister of Finance, Dr. Cassiel Ato Forson has reaffirmed that the National Insurance Commission will fully implement the ten percent third party vehicle insurance levy that ought to have started 1st February, 2025. According to him this has become possible after a successful stakeholder engagement with various transport unions and the Insurance Commission

Masked raiders have stolen £100,000 worth of stock from a wholesalers in Medway.At least eight people are thought to have cut their way into the industrial estate unit in Chatham in the early hours of last Wednesday. Hear from reporter Sean McPolin who has been covering the story.Also in today's podcast, a woman who was tied up during a violent robbery in Sevenoaks has described it as an "horrific experience".A man armed with a gun stole nearly £1.5 million worth of jewellery from a property in Parkfield near Wildernesse Golf Club last June.The work and pensions secretary's confirmed personal independence payments won't be frozen following a backlash from Labour MPs.Liz Kendall's also announced changes to the eligibility for universal credit from 2028. Hear the response from shadow minister and Faversham MP Helen Whately.A Kent pub chain boss has warned fewer part-time jobs will be available and prices will rise as major tax changes come in next month.The amount employers have to pay towards national insurance is to increase after being announced in last autumn's budget. We've been speaking to Phil Thorley from Thorley Taverns in Thanet.Work to clear woodland near Ashford of tonnes of illegally dumped waste is due to get under way next week.The Environment Agency's confirmed equipment will start to be moved onto Hoads Wood and removing the rubbish will take more than a year. We've got reaction from Sally Smith from Kent Wildlife Trust.And, Bedgebury Pinetum have announced a program of events to celebrate their 100th anniversary.Since 1925, the site has grown from a tree collection into an internationally significant conservation centre which welcomes more than half-a-million visitors each year.

Neil talks about the crucial difference between earning money and saving money, using a personal anecdote about a tenant's high electricity bill to illustrate his point. He emphasises that whilst earning an extra pound may seem equivalent to saving a pound, the reality is that earned money is subject to taxes and deductions, making saved money far more valuable. Neil shares practical tips on reducing unnecessary expenses, such as canceling unused subscriptions, minimising food waste, and exploring overlooked opportunities like renting out spare rooms. By focusing on cost-saving strategies, listeners can potentially reduce their workload and increase their financial well being. KEY TAKEAWAYS Earning vs. Saving Money: There is a significant difference between earning a pound and saving a pound. While both may seem equivalent, saved money goes directly to the bottom line as pure profit, whereas earned money is subject to taxes and deductions. Understanding Tax Implications: To take home an extra pound, one must earn significantly more due to income tax and National Insurance deductions. Reducing Unnecessary Expenses: Regularly review and cut unnecessary expenses, such as unused subscriptions or inefficient routines, to improve financial health. Small savings can accumulate and lead to significant financial benefits. Maximising Resources: Look for overlooked opportunities to generate income, such as renting out spare rooms. This can provide substantial additional income without requiring extra work. Mindful Spending: Avoid impulse purchases and wasteful habits, such as food waste or unnecessary storage costs. Being mindful of spending can help reduce costs and improve overall financial stability. BEST MOMENTS "A saved pound is a pound. End of story. Well, almost. The saved pound is equal to at least £1.30 of pre-tax earned money." "To earn an extra pound in your hand, you're going to have to earn a lot more than that, because you're going to have some of it sliced off in deductions and taxation." "We all do daft things. I am living proof of doing daft things on a daily basis. But doing daft things with money is something you can probably change." "If you have a spare room in the house, consider renting it out. You can rent a room at your house for up to seven and a half thousand pounds a year before you have to even mention it on your tax return." "Saving money here and there won't make you rich directly, but it just might mean that you don't have to work quite so much to have more money in your pocket." VALUABLE RESOURCES www.Neilcowmeadow.com info@neilcowmeadow.com HOST BIO Neil Cowmeadow is a maverick peripatetic guitar teacher from Telford with over 19 years’ experience in the business of helping people. Learn how to start, grow and love your business with Neil’s invaluable advice and tips without the buzzwords and BS!

Martin's poorly, but he's battled through the coughs and splutters because he's adamant that YOU need to hear how you could boost your state pension by TENS of THOUSANDS of pounds.If you're aged between 40 and 73 – it's a must listen.It's all about missing National Insurance years. Martin brings you a step-by-step guide and a full Q&A. It's everything you need to know.

On this week's show Damien explains more than 20 ways to boost your pension pot. Damien also discusses why time is running out for some people aged between 40 and 73 who could boost their state pension by paying voluntary National Insurance contributions. Finally, Andy reveals a little-known tip when checking your eligibility for a credit card offer.This show is sponsored by ⁠PensionBee⁠ the UK's leading online pension provider. It can help you transfer most old pensions together into one new online plan, so you'll know exactly how much you've saved and where to find it. If you are looking for a low-cost, hassle-free way to consolidate your pension pot (excluding final salary pensions), then PensionBee is worth considering. When you transfer your pensions, you can pick from a range of purpose-built pension plans, and if you want to contribute more to your pension, you can do that too. You can sign up to PensionBee in minutes using just the names of old employers or pension providers. Capital at risk.Watch the whole show on YouTube ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠here⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠:Check out this week's ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠podcast article ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠on the MTTM website to see the full list of resources from this week's show.00:00 - MTTM Podcast Episode 49704:01 - Deadline for National Insurance Contributions07:53 - Ways to Boost your Pension 28:09 - Credit Card Eligibility TipFollow Money to the Masses on social media:YouTube - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.youtube.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Tik Tok - ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.tiktok.com/@moneytothemasses⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠You may already compare products and services online and make purchases but by doing so via our dedicated page you might not only save money but could also earn cashback or take advantage of exclusive offers for MTTM listeners.Every time you use a link on the page we may earn a small amount of money for our podcast. We only use affiliate links that give you an identical (or better) deal than going direct. Thank you for being an incredible part of our community. Your support means the world to us.Support the show by visiting and bookmarking our dedicated podcast page:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Money to the Masses Dedicated Podcast Page⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ - Click to support the showLinks referred to in the podcast:Check your state pension forecastDWP callback request formHow to earn National Insurance creditsNI top-up deadline extendedHow to fill gaps in your national insurance recordMoneyhelper pension calculatorWhat is auto-enrolment?Salary sacrifice explainedPension tracing serviceFree pension review with UnbiasedCompare annuitiesThe best pension income in retirementPension carry forward rulesTake out a free trial of 80 20 investor

On this episode of the AJ Bell money and markets podcast Dan Coatsworth and Danni Hewson assess the impact on markets after Donald Trump brought in 25% tariffs on Mexico and Canada. Is a global trade war inevitable and have investors been caught on the hop because of the President's unpredictability or is it a storm set to fizzle out. [02:10]  As the global order shifts European countries are expected to spend more on defence which helped lift the FTSE 100 to a record high earlier in the week, the team from Shares magazine deliver a deep dive into company making gains, BAE Systems. [13:30] Pastry purveyor Greggs was flavour of the month with investors, but growth has slowed significantly, can the company's focus on healthy options and evening grub help it get its mojo back? [22:20) Changes to listing rules are in the offing with the FTSE Russell accepting companies with a Euro or Dollar share price from September so what might that mean for London markets. [28:30] AJ Bell's Head of Public Policy Rachel Vahey joins us to talk about the fast-approaching deadline if you need to top up your qualifying National Insurance contributions [32:36] and the sub 4% mortgage is back with 5 major lenders cutting mortgage deals. [39:20]

rWotD Episode 2859: Benefit year Welcome to Random Wiki of the Day, your journey through Wikipedia’s vast and varied content, one random article at a time.The random article for Sunday, 2 March 2025 is Benefit year.A benefit year is a 12-month period in which individuals are eligible to collect compensation, typically related to insurance policies or unemployment benefits.In the United Kingdom, the Jobseeker's Allowance for individuals who have contributed to National Insurance is paid during a benefit year that runs from the first Sunday in January until the Saturday before the first Sunday in January. It is distinct from the UK tax year which runs from 6 April to 5 April each year.This recording reflects the Wikipedia text as of 00:28 UTC on Sunday, 2 March 2025.For the full current version of the article, see Benefit year on Wikipedia.This podcast uses content from Wikipedia under the Creative Commons Attribution-ShareAlike License.Visit our archives at wikioftheday.com and subscribe to stay updated on new episodes.Follow us on Mastodon at @wikioftheday@masto.ai.Also check out Curmudgeon's Corner, a current events podcast.Until next time, I'm standard Ivy.

Care and support providers are coming together around the UK in a series of protests over the government's plans to increase employer National Insurance contributions. They are warning that care providers may go out of business unless they receive more support. Nadra Ahmed, co-chair of the National Care Association, which represents smaller and medium-sized care providers, joins Nuala from Westminster.Nuala is joined live in the studio by two of the country's best-loved stage and screen Olivier award-winning actors – Celia Imrie and Tamsin Greig. They are currently playing mother and daughter in Backstroke, a new play at the Donmar Warehouse in London, that unpicks the complications of their relationship over a lifetime.Barely two months after the end of the sex abuse scandal which gripped France last year, another horrific trial has begun there. The case of the former surgeon Joël Le Scouarnec, will be the biggest child sex abuse hearing in the country. He is accused of raping or sexually assaulting 299 people, mainly child patients. Some were under anaesthetic as he was operating on them. BBC reporter Laura Gozzi was in court in Brittany and explains how this latest case has affected the French nation. Music writer Stevie Chick pays tribute to Roberta Flack who has died, aged 88. At a party recently, journalist Kate Mulvey found it hard to relate to her old friends because of the amount of Botox and filler they had. So now she's decided to dump those friends. Kate talks to Nuala about the prevalence of these ‘tweakments', and how it's affected her friendships.Presenter: Nuala McGovern Producer: Emma Pearce

Williams v. Integon National Insurance

A senior MP has backed calls to start automatically paying out hundreds of millions of pounds to young adults if they haven't claimed government-backed child trusts funds by the time they turn 21. Sir Geoffrey Clifton-Brown, who is also chair of parliament's Public Accounts Committee, says the move would help nearly half a million people born between 2002 and 2011 access one billion pounds of their own money that they don't even know about. The government says the idea would be complex and costly.There has been a lot of talk on the news about gilts and the bond market. We're joined by Russ Mould, the investment director of AJ Bell, to explain what a gilt is and whether you can buy one?There's less than three months left to boost your state pension by to filling old gaps in your National Insurance record. At the moment people who have not yet reached pension age and those already on the new state pension can fill gaps in their record back as far as 2006. From this April that window will be shut. What should you do, if you think you've got gaps to fill?And, the couple who boosted their income by more than a hundred pounds a week after listening to Money Box. Find out how they did it.Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 18th January 2025)

In this week’s episode, Robert Salter and Gabby Donald look at the major tax developments making headlines. They discuss the Trump administration’s executive order to withdraw the US from the OECD’s Global Minimum Tax (GMT) deal and ask: does this signal the demise of the GMT initiative? While closer to home, the Public Accounts Committee has accused HMRC of providing subpar service and eroding public confidence in the UK tax system. They also explore the case of a Norwegian company facing a 10-year National Insurance bill and the lessons learnt. And Gabby shares why we’re not out of the woods yet when it comes to more tedious food VAT tribunals.See omnystudio.com/listener for privacy information.

The LAMMA 2025 farm machinery show is underway at the NEC in Birmingham - but is anyone buying? Charlotte Smith visits the show to check out the latest in farm machinery and innovation. She takes a look at a new sprayer which can target individual weeds, and finds out why farmers want to play a farming computer game.She also hears how many farmers are feeling less able to invest in new kit after a difficult year for farming: wet weather hit harvests and incomes, and then October's Budget saw a surprise acceleration of the phasing out of subsidy payments in England, alongside changes to employers National Insurance and of course the introduction of inheritance tax on farms. Presented by Charlotte Smith Produced by Heather Simons

General Secretary of the Trade Union Congress, Paul Nowak joins Steph and Robert to discuss whether the new Employment Rights Bill, the reforms to ‘Get Britain Working' and the changes to National Insurance are good for workers but bad for business. Sign up to our newsletter to get more stories from the world of business and finance. Email: restismoney@gmail.com X: @TheRestIsMoney Instagram: @TheRestIsMoney TikTok: @RestIsMoney goalhangerpodcasts.com Assistant Producer: India Dunkley Producer: Ross Buchanan Head of Content: Tom Whiter Exec Producers: Tony Pastor + Jack Davenport Learn more about your ad choices. Visit podcastchoices.com/adchoices

MPs are scheduled to vote on the Private Members' Bill proposed by Kim Leadbeater, the Labour MP, to legalise assisted dying for terminally ill adults on Friday.However a cross party group has co-sponsored a so-called “fatal motion amendment” that could kill the Bill if enough MPs support it.The amendment comes amid concern in the Commons that such a significant change was proposed as a Private Members' Bill, meaning there is limited detailed assessment and analysis of the provisions it includes.We examine the detail of both the Leadbeater Bill and Liam McArthur's proposed Scottish Bill and ask what impact Friday's Westminster vote may have in Holyrood.Meanwhile there's much heat being generated in the media over the " Call a General Election Now" petition which has apparently garnered over 2 million signatures in the past four days.How significant is this in reality? Should Labour be concerned? Should the Tories be more concerned?Rachel Reeves has announced the payment to the Scottish Government to compensate for the impact of her raise in employers' National Insurance contributions.How fair was the package?After recent polling and by election results we look at the state of play of the parties in Scotland. How much of an impact have they had on Anas Sarwar's U-turn on Winter Fuel Allowance payments? How concerning is the rise of Reform? Will we face a Holyrood impasse in 2026 with no viable coalitions in prospect?And as Donald Trump makes his final nominations for his Cabinet we cast our eyes over the array of right wing, reality TV, Fox News hosts, dubious characters he's selected.Here's the link to the Neal Ascherson article Lesley mentionedhttps://www.thenational.scot/politics/24746186.neal-ascherson-scotland-needs-take-as-if-approach/ ★ Support this podcast ★

In this episode of the Mark and Pete Show, we uncover the driving forces behind the growing frustration among farmers and small business owners. At the heart of their anger are policies like the rise in National Insurance contributions for businesses and proposed changes to inheritance tax, which threaten family-run farms and rural enterprises. We explore how these financial burdens are not only impacting farmers' livelihoods but also the broader agricultural industry and food security in the UK. Adding a unique perspective to the debate, we examine how Jeremy Clarkson's hit show Clarkson's Farm has brought farming struggles into the public eye, raising awareness about the day-to-day challenges faced by farmers. Is Clarkson's influence enough to spur meaningful policy changes, or are his efforts simply entertaining without impact? Mark and Pete dig into the political and economic implications of these changes, the ripple effect on rural communities, and what needs to be done to secure the future of British farming. Join us for a lively discussion filled with facts, opinions, and solutions to the pressing issues facing one of the UK's most vital industries.Become a supporter of this podcast: https://www.spreaker.com/podcast/mark-and-pete--1245374/support.

Susan Hulme reports as MPs question the government about how changes to National Insurance will affect care homes and hospices.

As Trump announces the appointment of Elon Musk to tackle US government efficiency, James Heale speaks to Katy Balls and editor Michael Gove about the dynamics of Labour's relationship with the tech billionaire. Musk had a public spat with Labour figures over the UK summer riots, the Center for Countering Digital Hate - co-founded by Starmer's Chief of Staff Morgan McSweeney - is facing a congressional investigation, and some Labour figures are even calling on the party to quit X/Twitter. Should Musk's closeness to president-elect Trump worry the Labour government? But first, the team discuss Health Secretary Wes Streeting's proposed NHS changes, and Liberal Democrat attacks on Labour's National Insurance employer increase. Produced by Patrick Gibbons. 

In her second outing at PMQs, Kemi Badenoch attacks Keir Starmer over the government's National Insurance rise - but he says she's resorting to the "magic money tree".Hugo Rifkind unpacks the action from the Commons chamber with the help of Tim Shipman, Lara Spirit and comedian Ria Lina. Hosted on Acast. See acast.com/privacy for more information.

Today, we look at how the Budget will impact the NHS, businesses and farmers.Adam speaks to the Health Secretary Wes Streeting about how the money for the NHS will be spent and when people might feel the benefits of the extra spending. And how will Chancellor Rachel Reeves changes to National Insurance contributions affect some NHS services?Simon Jack, business editor, explains how businesses are feeling about the planned changes to National Insurance. And, Adam discusses why farmers are so annoyed about changes to inheritance tax with host of Farming Today Charlotte Smith.You can join our Newscast online community here: https://tinyurl.com/newscastcommunityhereYou can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers.Newscast brings you daily analysis of the latest political news stories from the BBC. It was presented by Adam Fleming. It was made by Miranda Slade with Gemma Roper. The technical producer was Gareth Jones. The assistant editor is Chris Gray. The editor is Sam Bonham.

Rachel Reeves conceded the rise may erode the businesses' ability to hand out pay rises

Today we look at Labour's first Budget in 14 years. Adam and Chris are joined by BBC economics editor Faisal Islam and BBC chief economics correspondent Dharshini David. They look at all the headlines from the Budget and analyse the political reaction.The government outlined a historic tax increase of £40 billion, including an increase in National Insurance contributions for employers from April. Rachel Reeves also set out plans to continue the freeze on fuel duty and a £22.6bn increase in the "day-to-day health budget" for the NHS.You can join our Newscast online community here: https://tinyurl.com/newscastcommunityhereYou can now listen to Newscast on a smart speaker. If you want to listen, just say "Ask BBC Sounds to play Newscast”. It works on most smart speakers.Newscast brings you daily analysis of the latest political news stories from the BBC. It was presented by Adam Fleming. It was made by Miranda Slade with Anna Harris and Gemma Roper. The technical producer was Ben Andrews. The assistant editor is Chris Gray. The editor is Sam Bonham

Rachel Reeves has announced that taxes will rise by £40 billion in Labour's first Budget for 14 years. The headlines include: an increase in employers' National Insurance contributions from April to 15 per cent, raising £25 billion; that the freeze on income tax and National Insurance thresholds will not be extended past 2028; that the lower rate of capital gains tax will be raised from 10 per cent to 18 per cent, and the higher rate from 20 per cent to 24 per cent; that fuel duty will remain frozen for the next two years; and the introduction of VAT on private school fees from January. The Chancellor didn't want to surprise anyone with this Budget. She didn't want to shock the markets, nor did she want any accusation that she had played fast and loose with the public finances. Still, that won't make today's fiscal event any less memorable – or painful. Will these measures lead to any meaningful growth? Katy Balls speaks to Kate Andrews and Michael Gove. Produced by Megan McElroy and Oscar Edmondson.

Tehran is urged not to retaliate, but it says it has the duty to defend itself. Businesses warn Chancellor she'll limit job creation by increasing employers' National Insurance.

Watch The X22 Report On Video No videos found Click On Picture To See Larger PictureThe economy across the globe is imploding on itself, in the UK a record 633,000 businesses are on the brink of collapse. People cannot afford food, gas and housing. ALDI just proved that the prices back in 2019 under Trump were better. People are transitioning into gold and bitcoin at an accelerated pace. The [DS] is beating the war drums very loud, they want war in the end, the patriots know this, this will be countered with peace. Cyber attack intel is now pointing to a cyber attack before or during the election. The [DS] is scared of the majority, when the people are awake the people think logically. The change batter will cause chaos in the election process. The people know the elections are rigged, it's time to shine the light on the source.   (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:13499335648425062,size:[0, 0],id:"ld-7164-1323"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="//cdn2.customads.co/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); Economy Record 633,000 Businesses in Britain on Brink of Collapse: Report A record number of businesses are “on the edge of collapse” in Britain as the left-wing Labour Party government in Westminster is reportedly set to impose the largest tax hike in modern history. According conducted by the Begbies Traynor business advisory firm , 632,756 companies in the UK are experiencing significant financial difficulties that may force them to close down their operations. This represents a 32 per cent increase over this time last year, and a 5.1 per cent jump since the leftist government of Sir Keir Starmer came into power in July. The research found that the construction, property, and support services sectors were struggling the most under the current economy, the Daily Mail reports. It comes as Chancellor Rachel Reeves is reportedly set to unveil the biggest tax hikes in her autumn budget. Part of her plan may potentially include an increase in the contributions bosses have to pay the state in National Insurance for employees The mere threat of large tax increases have already seen many wealthy people decide to leave the country for more business destinations such as Dubai or Swetz. Source: breitbart.com https://twitter.com/KobeissiLetter/status/1847665330832760859  points over the last 3 years as mortgage rates have more than doubled. At the same time, the median down payment to income ratio is now ~100%, exceeding 2006 housing bubble levels. Housing affordability has a long way to go. https://twitter.com/KobeissiLetter/status/1847634913337503812   financial stress has grown. The highest chance of delinquency, at 20.0%, was seen among Americans earning less than $50,000. Furthermore, delinquency probabilities for those making over $100,000 rose to 8.4%, the highest since September 2014. Consumers are drowning in debt. https://twitter.com/KobeissiLetter/status/1847348239810646533  sales increased by 3.9% last year, to $956 billion. Online shopping is anticipated to be a major contributor of growth, with sales expected to rise 8.0%-9.0%. Meanwhile, retailers are expected to hire between 400,000 and 500,000 seasonal workers, lower than 509,000 hires last year. Holiday sales growth is set to slow. ALDI Commits to Thanksgiving Prices Lower Than 2019, Feeding 10 People for Less than $47   This holiday season, ALDI is offering its lowest-priced Thanksgiving basket in five years – a full meal for 10 people at less than $47.* With reports showing grocery prices are up 50% across the industry on hundreds of items compared to 2019,** shoppers will get welcome relief at ALDI on their favorite Thanksgiving fixings. Throughout the Thanksgiving season,

On this week's top-rated podcast, Roger Holman is joined by Rehana Earle to unpack the latest in tax developments. With speculation growing that employer National Insurance contributions could be targeted by the Chancellor, we discuss whether the Government's pledge to freeze rates for workers will shield employees from the impact. And is it time for a major overhaul of Capital Gains Tax to make it fit for purpose? Meanwhile, across the Channel, France is rolling out ‘temporary' tax hikes – but how long will they really last? And finally, Roger looks into the complexities of designing a wealth tax and why it proves to be so tricky.See omnystudio.com/listener for privacy information.

The Budget is not due for a fortnight, yet with every day that passes its contents seem to become clearer. This morning Keir Starmer gave an interview to the BBC where he twice refused to rule out a rise in employer's national insurance contributions in the Budget. Instead, he repeatedly stressed that Labour's manifesto promise was specifically that it would 'not raise taxes on working people'. Can Rachel Reeves afford a national insurance hike?  Oscar Edmondson speaks to Katy Balls and Michael Gove.  Produced by Oscar Edmondson.