Podcasts about National Living Wage

Send us a textDiane Wehrle CEO at Rendle Intelligence and Insights joins Simon for their monthly chat about footfall trends and shopping behaviours from March to April 2025. Consumer confidence has taken a hit as Easter trading results reveal ongoing caution, with the GFK Index dropping from -19 in March to -23 in April 2025. Despite footfall increasing by 7.2% in April year-on-year, the combined March-April period showed minimal growth of just 0.2% when accounting for Easter timing differences.• Consumer confidence dropped across most age groups except 25-34 year olds• Retail parks saw 2.7% footfall increase while shopping centres declined by 0.7%• High street sales dropped 2.2% over the March-April period• Fashion sales down 5% in the first four months of 2025• Clothing and footwear prices decreased 0.4% in April, suggesting retailer discounting• Overall inflation rose to 3.5%, driven by housing, utilities and communication costs• National Living Wage and NI increases took effect end of April, adding pressure to retailers• Recent cyber attacks on retailers highlight security vulnerabilities and potential additional costs• PWC research suggests declining consumer sentiment typically precedes behavioural changes by six months #theproductivityexpertsRegister for the 2025 Productivity ForumFind us in the Top 50 Productivity PodcastsConnect to Simon on LinkedInFollow ReThink on LinkedIn

Stock markets around the world have plunged in reaction to the import tariffs imposed by President Trump and then the retaliation of China which responded with its own tariffs on American goods. Economists have warned that this trade war could seriously damage the world economy, and make all of us poorer. By the end of Friday shares traded in London had fallen nearly 5% in price. What does that mean for investments?The earnings limit on Carer's Allowance is to rise this week. From 7th April working carers can earn up to £196 per week after certain deductions, the equivalent of 16 hours at the National Living Wage, and continue to claim Carer's Allowance. That's an increase of £45 compared to the previous earnings threshold. But what, if anything, does that mean for the thousands of carers who're in debt because they unwittingly got overpayments of the benefit?Last year we tapped our cards 19 billion times in shops, pubs, cafes, and retail outlets without using our PIN. At the moment the upper limit for contactless card payments in person is £100, but regulators are considering raising it or even scrapping it altogether. What would that mean in practice?And, a reminder to get your postage stamps before the cost of them goes up.Presenter: Paul Lewis Reporter: Peter Ruddick and Dan Whitworth Researchers: Eimear Devlin and Jo Krasner Editor: Jess Quayle(First broadcast at 12pm Saturday 5th April, 2025)

Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this special bonus episode of The Pension Confident Podcast, we cover some of the key changes from the new 2025/26 tax year and what they could mean for you and your finances. Tune in as our host, Philippa Lamb and Financial Journalist and Founder of Much More With Less, Faith Archer, cover the various changes made, including: the National Living Wage; frozen income tax bands; Statutory Sick Pay; and the State Pension.   Episode Breakdown: 01:09 The start of a new tax year 04:03 Increased pay for employees and costs for employers 06:20 Frozen income tax and personal tax-free allowance thresholds 07:55 The State Pension and Winter Fuel Payment 11:18 Changes to Statutory Sick Pay, alongside overhaul of benefits systems 12:38 Increased Statutory Parental Pay and free nursery hours   Further reading, listening and watching: To learn more about the new tax year and your personal allowances, check out these articles, podcasts and videos from PensionBee: E18: How to not run out of money in retirement (Podcast) E11: How to prepare for a happy retirement (Podcast) Adoption leave and adoption pay (Article) Am I ready for a baby? (Article) Average childcare costs (Article) Help with childcare costs (Article) Maternity leave and maternity pay (Article) Paternity leave and paternity pay (Article) Pension credit (Article) Shared parental leave and pay (Article) What disability benefits can I claim? (Article) What does the Autumn Budget 2024 mean for your pension? (Blog) What is the State Pension? (Article)   Other useful resources: A budget hitting employers and the well off (Much More With Less) Adoption leave and adoption pay (GOV.UK) Inflation Calculator (PensionBee) Maternity leave and maternity pay (GOV.UK) Paternity leave and paternity pay (GOV.UK) Shared parental leave and pay (GOV.UK) Statutory Sick Pay (SSP) (GOV.UK) The Retirement Living Standards (Pensions and Lifetime Savings Association)   Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads. Follow Faith Archer (@MuchMoreWith Less) on LinkedIn, Facebook and X.

The minimum wage has been a huge success story since its introduction in 1999 – but 2025 might be its trickiest year yet. The combination of increases to employer National Insurance and a bigger-than-expected 6.7 per cent rise in the National Living Wage has left businesses warning of jobs cuts and hiring freezes. Previous such warnings haven't materialised, but with the jobs market already in recession territory, might this year be different? It is amidst this uncertainty and challenging backdrop that the Government will need set out a longer-term plan for the minimum wage.

How have PR agencies adapted to April's tax increases and other cost rises? How do they feel about current trading generally? PRWeek UK's Beyond the Noise podcast takes a look. PRWeek journalists John Harrington (UK editor), Siobhan Holt (news editor) and Evie Barrett (senior reporter) delve into PRWeek UK's latest Top 150 Monthly Trading Tracker to see what agency bosses have been saying about recent trading.Beyond the Noise looks at some of the biggest issues affecting communications and PR. Download the podcast via Apple, Spotify, or listen on your favourite platform.As increases to National Insurance Contributions, the National Minimum Wage and National Living Wage come into effect, they discuss new research from the Trading Tracker that shows how UK PR agencies have been adapting.Freezing or scaling back recruitment and staff pay rises, and reducing freelance and other business costs, are among the steps taken by some comms agencies.We also hear what industry recruitment firm Latte has to say about the impact of April's cost increases on the PR recruitment market.On a lighter note, the journalists pick out their favourite April Fools' PR stunts, and ask: should brands still bother with the annual prankfest? Hosted on Acast. See acast.com/privacy for more information.

On Nick Ferrari at Breakfast, Sir Keir Starmer has met with the creators of Adolescence for talks on how to prevent young boys being dragged into a "whirlpool of hatred and misogyny".Workers are set for a pay boost of up to £117 as the increase in the National Living Wage takes effect. Nick speaks to Business and Trade Secretary Jonathan Reynolds and Leader of the Conservative Party Kemi Badenoch. The number of council officials receiving more than £100k pay deals has hit a record high. All of this and more on Nick Ferrari - The Whole Show podcast.

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

Send us a textDiane Wehrle CEO at Rendle Intelligence and Insights joins Simon for their monthly chat about footfall trends and shopping behavioursConsumer spending remains cautious as footfall stays flat across UK retail channels, rising just 0.2% in February compared to last year. Retail sales grew by only 1.1% while in-store non-food sales actually declined by 1%, revealing continued economic uncertainty despite some positive indicators.• Retail parks performed best with a 2% footfall increase, while high streets and shopping centres saw just 0.1% growth• All five major high street sectors (fashion, food/drink, general retail, grocery, health/beauty) experienced sales declines in February• Fashion continues struggling with a 7.4% sales drop, while household goods showed improvement with 4.7% growth• Fewer people are shopping (transactions down 8.1%, customer numbers down 6.7%), but those who do spend are spending more per visit (ATV up 2.9%)• Consumer caution likely driven by lingering economic uncertainty, interest rates, upcoming National Living Wage increases, and global political factors• Savings rates reached 10% - highest since the pandemic - despite wage growth of 5.9% outpacing inflation• Upcoming holiday season may further impact retail spending as consumers prioritize leisure experiences over material purchases #theproductivityexpertsRegister for the 2025 Productivity ForumFind us in the Top 50 Productivity PodcastsConnect to Simon on LinkedInFollow ReThink on LinkedIn

New HTA president Will Armitage started his career at The Barton Grange Group at Woodford Garden Centre before joining family business Armitage & Sons (Seeds) where he eventually became joint managing director.He was chair of the Garden Centre Association from 2014 to 2016 and says the big difference between now and then are the costs of employing people, which have risen 10% again he believes thanks to the Autumn Budget's changes to National Living Wage and employers' National Insurance Contributions. This means the industry will struggle to grow and could mean price rises, he says.Armitage has been on both sides of the fence, with supplier Mulch and running garden centres. His former Pennine centre has since been owned by Wyevale and now Dobbies has it for sale and Armitage says the private equity sale and leaseback model is proving to be unsustainable.He looks forward to a better weather year, with high hopes for 2025 helped by more industry Business Improvement Schemes and increased lobbying at Westminster. Hosted on Acast. See acast.com/privacy for more information.

Enjoying the podcast? Tell us what you think below and give us a rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.   In this special bonus episode of The Pension Confident Podcast, we cover some of the key announcements in the government's Autumn Budget and what they could mean for you and your finances. Tune in as our host, Philippa Lamb and PensionBee's Spokesperson, Annabelle Williams, cover the changes made to: employer National Insurance contributions; Inheritance Tax; capital gains tax; and Stamp Duty. Episode Breakdown: 01:33 Initial thoughts on the Autumn Budget 02:42 Employers National Insurance contributions 04:23 Inheritance Tax and pensions 09:07 Changes to capital gains tax 11:06 Stamp Duty 12:33 Impact on working people 13:15 What are ‘stealth taxes'?     Further reading and listening: To learn more about financial scams and protecting yourself and your money, check out these articles and podcasts from PensionBee: Episode transcript What does the Autumn Budget 2024 mean for your pension? What does the first UK female Chancellor mean for my pension savings? Inheritance Tax guide What's a workplace pension? Pension death benefits Defined contribution pensions How pensions can cut your tax bill Pension tax relief Should I pay into a pension or an ISA? What is Auto-Enrolment? Why has renting got so expensive? E17: Should you save into a pension or an ISA? (Podcast) E22: Why is renting so expensive? (Podcast) E32: How to understand your pension balance (Podcast)   Other useful resources: Autumn Budget 2024 (HM Treasury) How Inheritance Tax works (gov.uk) National Insurance rates and categories (gov.uk) Stealth Taxes: What are they, how they work (Investopedia) National Minimum Wage and National Living Wage rates (gov.uk) Stamp Duty Land Tax (gov.uk) Catch up on the latest news, read our transcripts or watch on YouTube: The Pension Confident Podcast The Pension Confident Podcast on YouTube   Follow PensionBee (@PensionBee) on X, YouTube, Threads, Instagram, TikTok, Facebook and LinkedIn. Follow Annabelle Williams on LinkedIn.

The DEFRA Secretary has defended the Government's decision to introduce inheritance tax on agricultural assets. Steve Reed tells Anna Hill the wealthiest landowners and farmers "can afford to contribute more". It comes after inheritance tax of 20% is being brought in for farms with £2 million or more of assets. Some farmers are angry - concerned it will mean that when a farmer dies, their family will have to sell some of all of their land to pay the tax.And we visit an autumn sheep sale in Cumbria to hear why upland and hill farmers are worried about the future, despite a buoyant sheep market.Presented by Anna Hill Produced by Heather Simons

In this week's episode, brought to you in partnership with Practice Index, we welcome James Gransby and Ceri Chaplin. They join Ben to discuss the implications of the recent budget on general practice, sharing concerns about how these changes could significantly impact practice finances. They highlight the projected cost increase for employing someone on minimum wage next year, illustrating the financial pressures facing GP practices. The episode further explores the funding challenges general practice managers face, focusing on the gap between rising staff salaries and insufficient funding. The episode emphasises the need for more clarity and planning to ensure primary care can effectively manage resources amidst these financial uncertainties. If you'd like to come to Guidelines Live (free for practice management staff), simply click here and ensure you select 'Practice Management' in the profession field. Alternatively, you can email info@practiceindex.co.uk to secure your ticket. Introduction (00:08)  The budget (00:50) The two big changes.. (01:48) The changes to the National Living Wage? (03:15) Impact on practices (03:45) Another rise, unfunded or underfunded? (04:08) Calculations about the impact on practices. (04:37) Has general practice been caught in the crossfire? (05:26) The offset.. (06:35)  The partnership model.. (08:39)  What are the other impacts from the budget? (10:37)  Could partners leave sooner? (12:30) Practice premises upgrade.. (13:37)  The future is looking promising.. (14:37) The local community (15:20)  Key takeaways (17:33) Advice & final thoughts.. (20:53)  To visit the Practice Index website, click here or contact James Dillon here. For all enquiries about the Ockham podcast, please contact Ben Gowland here.

The government has announced on the eve of Labour's first budget in 14 years that the National Living Wage will be increased. We hear from Shevaun Haviland, the British Chambers of Commerce's director-general, on what this could mean for employers.Also in the programme: staffers and subscribers are protesting against The Washington Post's decision not to endorse a candidate in the presidential election, one week before America votes.We speak to a former head of the Oregon Hospice Association about why she went from opposing to supporting the right to assisted dying.And Buena Vista Social Club musician Manuel "Guajiro" Mirabal has died at the age of 91. We speak to producer Nick Gold about Mirabal's music and the group's legacy.

In this episode we tackle the major challenges that are reshaping the industry with expert insights from Camilla Woods, Head of Services at Hospitality Action, and Esmat Faiz, Associate Solicitor at Irwin Mitchell.We look at the impending changes in employment regulation that will impact the hospitality industry and the policies that matter for recruitment and retention. Esmat covers the six key pieces of legislature due to come in place under the new Government including Splitting Tips with staff, National Living Wage for 18-year-olds, Day one right to Unfair Dismissal, Change to Zero Hour contracts, right to request Flexible Working from day one, and protecting staff from Sexual Harassment. Camilla discusses mental health and the importance of having a framework in place and training to support employees, sharing some insightful data from its latest Take the Temperature Report.Hotelier key considerations included: The need for work-life balance and mental health training programs.Balance team cohesion from frontline onsite staff and back office flexible teamStrategies for improving employee retention, such as flexible work schedules and mentorship programs.The necessity for robust HR frameworks to comply with new employment laws.The need for career ladder transparency in the sector to encourage and support new joiners.Thanks to our facilitators; Catt Mcleod (Elegant Hotel Collection), David Ohandjanian (UPhotel Agency), Jon Siberry (Sarova Hotels).Travel Market Life is produced and managed by Urban Podcasts.

Tens of thousands of people who juggle caring for a loved one and having a job may be forced to cut the hours they work, according to the charity Carers UK. In April the National Living Wage was increased to £11.44, but the earnings limit for the Carer's Allowance did not go up by the same amount. The result is that some carers will be limited to working just over 13 hours a week, anything above that and they'll lose the entire benefit. Some carers have also faced demands to repay thousands of pounds that they've mistakenly received in over-payments over multiple years. You've been contacting Money Box about rising car insurance costs. The Association of British Insurers says increases are largely down to above inflation increases to the cost of repairs, thefts and replacement cars. We look at how much premiums have risen by and what, if anything, you can do about it. And employers - take note - new changes to employment law in England, Scotland and Wales this month will impact policies on flexible working, redundancy and paternity pay and leave amongst others. We'll speak to an employment lawyer about what these changes will mean in practice for both employees and employers. Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Sandra Hardial Editor: Dan Whitworth(first broadcast Saturday 13th April 2024)

April brings many changes for our money, and this programme has all you need to know.From Monday 1st, there will be higher pay for people on the various minimum wages. For the first time 21 and 22 year olds join people aged 23 and over in getting what's called the National Living Wage. It's going up to £11.44 an hour, a near 10% rise. 18 to 20 year olds get a bigger boost with minimum wage up nearly 15% to £8.60 an hour, while 16 and 17 year olds and those on apprenticeships get the largest increase of more than 21%, taking their minimum hourly pay to £6.40. On the same day, the Energy Price Cap set by the regulator Ofgem will fall reducing the typical annual bill in England, Scotland, and Wales by 12% to £1,690 per year. That is the lowest it has been for two years. So will it be worth switching suppliers for a new fixed deal?It's 25 years since the introduction of tax-free ISAs. You have just a few days to make use of this year's allowance and there are some big changes next tax year. we've got all you need to know.Plus, what's changing next week for childcare, why some people need to do a meter reading, and how to save money on stamps.Presenter: Paul Lewis Reporter: Dan Whitworth Researchers: Sandra Hardial and Jo Krasner Editor: Jess Quayle(First broadcast 12pm Saturday 30th March 2024)

From April, 2.7 million workers will get one of the biggest pay rises in UK history as the National Living Wage rises to £11.44 an hour. But will they feel better off?It's 25 years since the National Minimum Wage was introduced. During that time it's credited with putting billions of extra pounds in the pockets of low-paid workers. But, despite that, according to the Joseph Rowntree Foundation, two thirds of households living in poverty have at least one adult in work. And, according to the Institute for Fiscal studies, far from cutting the annual benefits bill, the cost of benefits paid to working families has ballooned since 1999 to about 50 billion pounds a year. So what's behind this low pay puzzle? And what can employers, governments and workers do to ensure that work pays? Pauline Mason investigates.Presenter: Pauline Mason Producer: Ravi Naik Editor: Clare Fordham.Contributors: Kate Bell, TUC Assistant General Secretary and former low pay commissioner Damian Grimshaw, Professor of Employment Studies, Kings College London and London & South Forum Co-Lead at the Productivity Institute Patricia Findlay, Distinguished Professor of Work and Employment Relations, University of Strathclyde, and Director of the Scottish Centre for Employment Research Matthew Fell, Low Pay Commissioner and Director of Competitiveness at BusinessLDN Nye Cominetti, Principal Economist, the Resolution Foundation James Cockett, Labour Market Economist, CIPD Margaret Esapa, Managing Director and owner, Cherry Care Services, Oxfordshire Conor Taylor, Director, Foresso

Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £17 for 2 places. Saturday 25 November 10-4pm - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII  Fixed mortgage interest rates have dipped below 5% after new figures show that inflation fell from 6.7% in September to 4.6%, less than half the 11.1% rate in October 20022. In his Autumn Statement, Chancellor Jeremy Hunt announced plans to increase state pensions by 8.5, benefits by 6.7%, unfreezing Local Housing Allowance and the National Living Wage from £10.42 to £11.44 an hour from April 2024 – whilst simultaneously cutting NI for the self-employed and business taxes. More planning reforms announced to speed up building and infrastructure projects. Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exactly how you can: Not only survive, but thrive in a recession or depression? Get control of your finances and spending? Save and invest for your future? Learn about money and finance? Develop a millionaire mindset. To help you, I am running a free training webinar.   Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich!  Join me online on my free live money management training Wednesday at 8.00PM.  Places are limited, so register now below to avoid disappointment.https://bit.ly/3QPp8IH Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £17 for 2 places. Saturday 25 November 10-4pm Places are limited to give attendees more individual attention - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII    #mindset #money #wealth #landlord #property #financialfreedom #stockmarket #invest #pensions #millionairemindset #georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth

UK Fixed Mortgage Rates Drop Below 5% As Inflation Falls to 4.6% Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £17 for 2 places. Saturday 25 November 10-4pm - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII Fixed mortgage interest rates have dipped below 5% after new figures show that inflation fell from 6.7% in September to 4.6%, less than half the 11.1% rate in October 20022. In his Autumn Statement, Chancellor Jeremy Hunt announced plans to increase state pensions by 8.5, benefits by 6.7%, unfreezing Local Housing Allowance and the National Living Wage from £10.42 to £11.44 an hour from April 2024 – whilst simultaneously cutting NI for the self-employed and business taxes. More planning reforms announced to speed up building and infrastructure projects. Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA   If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exactly how you can: •       Not only survive, but thrive in a recession or depression? •       Get control of your finances and spending? •       Save and invest for your future? •       Learn about money and finance? ·        Develop a millionaire mindset. To help you, I am running a free training webinar.  Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich! Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £17 for 2 places. Saturday 25 November 10-4pm Places are limited to give attendees more individual attention - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII   #mindset #money #wealth #landlord #property #financialfreedom #stockmarket #invest #pensions #millionairemindset #georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth    

UK Fixed Mortgage Rates Drop Below 5% As Inflation Falls to 4.6% Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £17 for 2 places. Saturday 25 November 10-4pm - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII Fixed mortgage interest rates have dipped below 5% after new figures show that inflation fell from 6.7% in September to 4.6%, less than half the 11.1% rate in October 20022. In his Autumn Statement, Chancellor Jeremy Hunt announced plans to increase state pensions by 8.5, benefits by 6.7%, unfreezing Local Housing Allowance and the National Living Wage from £10.42 to £11.44 an hour from April 2024 – whilst simultaneously cutting NI for the self-employed and business taxes. More planning reforms announced to speed up building and infrastructure projects. Mortgage Rates Fall – Interview with Mortgage Broker Miriam miriam@smfinancialpln.co.uk YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT. See: – Transfer Property Into A Limited Company Without Paying CGT or Stamp Duty https://youtu.be/mtGq7WaVxLA If you are suffering from section 24, join us for a free landlord Sec.24 tax seminar live in London this month. Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to show you exactly how you can: •       Not only survive, but thrive in a recession or depression? •       Get control of your finances and spending? •       Save and invest for your future? •       Learn about money and finance? ·        Develop a millionaire mindset. To help you, I am running a free training webinar.  Unlocking The Secrets Of Financial Freedom - How To Master The Art Of Wealth Building In 3 Simple Steps I want to help you get control of your money, learn how to invest and become financially free by developing a millionaire mindset – which is not about buying flashy things and looking rich! Join me online on my free live money management training Wednesday at 8.00PM. Places are limited, so register now below to avoid disappointment. https://bit.ly/3QPp8IH Last chance to join my live 1-Day SMART MONEY WORKSHOP for just £17 for 2 places. Saturday 25 November 10-4pm Places are limited to give attendees more individual attention - reserve your seat now - https://buy.stripe.com/00g01E92W4R8cfebII   #mindset #money #wealth #landlord #property #financialfreedom #stockmarket #invest #pensions #millionairemindset #georgeosbourne #sec24tax #transferpropertytolimitedcompany #wealth    

This week's podcast turns the Autumn Statement into plain English, looking at the key announcements and the ones buried in documents published by the Government. The team talk about how UK economic growth expectations have been downgraded and how it could take longer to hit the Government's 2% inflation target than previously thought. Dan Coatsworth explores changes to National Insurance tax and how it could put up to £750 extra in someone's pocket a year. Danni Hewson weighs up the good and bad news for businesses in the Autumn Statement including the impact of a higher National Living Wage. Charlene Young discusses good news for those in retirement and how people might be able to keep the same pension pot when they move job. She also explores efforts to make ISAs more accessible. The Government has indicated it will hold a ‘Tell Sid'-style campaign to sell its near-40% stake in NatWest – find out how this might work and the history of ‘Tell Sid'. You can also hear about the market reaction to Nvidia's latest results and the strange goings-on with ChatGPT.

The Conservative Party conference is officially underway. The Chancellor has announced an increase to the National Living Wage and tougher sanctions for people on benefits who do not take steps to find work. But, despite usually being high on the Tory priority list, Jeremy Hunt has said tax cuts won't be coming this year.The Evening Standard's Political Editor, Nicholas Cecil, shares his insight from the conference in Manchester. Hosted on Acast. See acast.com/privacy for more information.

On today's podcast: (1) Jeremy Hunt will today say he's increasing the National Living Wage to at least £11 an hour amid growing party discontent over Britain's tax burden. (2) A stop-gap spending bill passed by the US Congress over the weekend will keep the government open until the 17th of November. (3) Household water bills in the UK are set to rise by an average of 35% by 2030 as utility firms plan to ramp up investment. (4) The billionaire Bill Ackman is said to be interested in pursuing a deal with Elon Musk's X Corporation, as part of a new investment vehicle.See omnystudio.com/listener for privacy information.

The DSP sit & discuss: National Living Wage (5:15), The Trend Known As Diversity (15:00), Pranks Gone Wrong (29:45) Unemployment Willy (36:18), Morales & Beliefs (42:06), Scotland's Rape Rule (47:53), Weekly Weirdness (1:06:04), Kay's Trivia (1:16:07) and much more… Host: Rhys Waul - Twitter: @Raw_like_me - Instagram: Rawlikeme, Mark Brown - Twitter: @Mister2Drink - Instagram: Mister2Drink - Kaydia - Instagram: @kay.veronica.fennella - Twitter: @KSmall91 - MrOh - Twitter: @MrOhYes - Instagram: Misterohhhhh Websites https://differentstrokespodcast.onpodium.com/ https://markanthonyphotography.online/ https://www.mroh.co.uk/

One third of countries will be in recession next year, so there has never been a more important time to get your financial house in order – see my free training https://bit.ly/3isugCr to help you manage your money. In his first major speech as Chancellor, Jeremy Hunt announced £55 billion ‘fiscal squeeze' tax changes and measures to cut the national debt whilst stimulating growth including the “biggest programme of public works for 40 years” and a plan to make the UK the world's next Silicon Valley.  Watch video version - https://youtu.be/9Y6FcXo22jQ Markets were reassured by a steady and responsible budget. Highlights: Social rents capped at 7% next year, saving tenants an average of “£200 a year”. Social rents should increase for private landlords housing social rent tenants by 5%. National Living Wage increased and more help poorer pensions and families on Universal Credit benefits. Pensions ‘Triple Lock' retained meaning the largest ‘inflation-linked' increase to state pensions. Hunt wants to bring down national debt as a percentage of national debt over 5 years. Extra energy costs reach £150 billion this year – more pain for consumers next year. Corporation tax and stamp duty changes to be implemented. Capital Gains Tax (CGT) thresholds halved – another tax rise. New nuclear power station announced at Sizewell, Suffolk. Inflation is the “enemy” of growth. Jeremy Hunt. Lowering higher rate tax thresholds from £150,000 to £125,140. Freezing tax free allowances – effectively increasing taxes. ‘Fiscal drag' means 3 million people will pay more tax. Windfall tax on energy companies increased to 35%. Electric vehicles will start paying car tax duty. OBR expects housing market to slow down – Stamp Duty reviewed. Big tech companies should pay more tax under a new international agreement. Review of “workforce participation” – get people on benefits to get a job! Crackdown on benefit fraud. Reality check. World heading into recession One third of countries will be in recession next year, so there has never been a more important time to get your financial house in order – see my free training https://bit.ly/3isugCr to help you manage your money. OBR predicts UK recession next year and low growth and 7.4% inflation next year - see 21 Money Saving Tips https://youtu.be/taJgXOqp9O0 – and negative inflation in 2025. UK inflation has hit 11.1%. Interest rates could rise again. £100 billion to service UK national debt. £177 billion more borrowing next year. Rishi gave away billions, Jeremy is taking it back, as he said, “it has to be paid for”. The UK always pays its debts, he reassured the markets. I have space now for a small group of people I can work with to mentor them to success in any economy. To help you get through this and come out stronger at the other end I am offering subscribers a Free Wealth Discovery Accelerator Call. If you are struggling to grow your income and reduce costs in the economic winter, I will personally speak to you to help you accelerate your wealth building journey.   If you would like to work with me to help you thrive in any economy, click on the link below to book a free Wealth Accelerator Discovery Call - https://calendly.com/charleskelly/wealth-accelerator-discovery-call #recession #money #economy #freetraining #moneytraining #coaching #mentor #positive #makemoney #managemoney #budget #jeremyhunt #inflation #tax #fiscaldrag This show was brought to you by Progressive Media

In this special Money Box we will delve into Jeremy Hunt's Autumn Statement and see what lies in the small print. How will changes to the support you'll be getting to pay for your energy bills affect you? Paul Lewis and Nimesh Shah, the Chief Executive of Blick Rothenberg on why tax changes matter for you. What do announcements on benefits and getting back into work mean for those on welfare? And our reporter Dan Whitworth is live from Stafford Indoor Market to get reaction to this week's inflation figures and the planned rise to the National Living Wage. Presenter: Paul Lewis Reporter: Dan Whitworth Researcher: Sandra Hardial Editor: Jess Quayle (First broadcast 12pm Saturday 19th November, 2022)

The difficulties in the egg supply chain continue, with some supermarkets rationing eggs while others import them from Europe. The British Retail Consortium has been saying avian flu is disrupting supply - but farmers say it's because egg producers are losing money on every egg they sell. They say the cost of the ingredients for feed alone has risen by 90% since 2019 - while they're being paid only 35% more. As a result, many are reducing the number of hens they have or even pausing production entirely. The NFU is calling for Government intervention. It's not just the cost of producing eggs that's rising - a report from consultants, Promar International, says the cost of producing fruit and veg in the UK is up by 27% year on year. We hear from one farmer who is concerned about his labour costs for next year. The National Living Wage will be increased from April, and it's not yet clear what that will mean for seasonal workers here on temporary visas, who this year had to be paid above the minimum wage. And the Scottish Government is consulting on plans to introduce licences for grouse moors. Under the proposals - which follow a string of illegal killings of birds of prey - there would be new rules on muirburn, or heather burning. We hear from campaigners who want reform, and visit one grouse moor to discuss the future of the industry. Presented by Charlotte Smith Produced for BBC Audio in Bristol by Heather Simons

A 27% rise in the cost of growing fruit and veg is leaving some farmers questioning their future. The cost of things like fuel and fertiliser have been high for some time. The National Living Wage is now set to rise the April - and it's not yet sure whether seasonal workers coming in on temporary visas will have to be paid above the minimum wage, as they were this year. The shooting industry is under pressure - according to BASC, the British Association for Shooting and Conservation. Following a campaign by the Wild Justice group, DEFRA says it will review the shooting season dates for some wild birds, and the Scottish Government is currently consulting on plans to introduce licensing for Grouse shooting. And social media is a useful side-hustle for some farmers. We meet one beef farmer who says his videos make more money than his cattle! Presented by Charlotte Smith Produced for BBC Audio in Bristol by Heather Simons

A third of countries in recession next year, so there has never been a more important time to get your financial house in order – see my free training https://bit.ly/3isugCr to help you manage your money. Chancellor, Jeremy Hunt announced £55 billion ‘fiscal squeeze' tax changes and measures to cut the national debt whilst stimulating growth including the “biggest programme of public works for 40 years” and a plan to make the UK the world's next Silicon Valley. Watch video version - https://youtu.be/9Y6FcXo22jQ Markets were reassured by a steady and responsible budget. · Social rents capped at 7% next year. · Rents to increase for private landlords housing social rent tenants by 5%. · National Living Wage increased and more help poorer pensions and families on Universal Credit. · Pensions ‘Triple Lock' retained - largest ‘inflation-linked' increase to state pensions. · Corporation tax and stamp duty changes to be implemented. · Capital Gains Tax (CGT) thresholds halved – another tax rise. · Inflation is the “enemy” of growth. Jeremy Hunt. · Lowering higher rate tax thresholds from £150,000 to £125,140. · Freezing tax free allowances – effectively increasing taxes. · ‘Fiscal drag' means 3 million people will pay more tax. · Windfall tax on energy companies increased to 35%. · Electric vehicles will start paying car tax duty. · OBR expects housing market to slow down. · Big tech companies should pay more tax. · Review of “workforce participation” – get people on benefits to get a job! Reality check. World heading into recession One third of countries will be in recession next year, so there has never been a more important time to get your financial house in order – see my free training https://bit.ly/3isugCr to help you manage your money. OBR predicts UK recession next year and low growth and 7.4% inflation next year - see 21 Money Saving Tips https://youtu.be/taJgXOqp9O0– and negative inflation in 2025. · UK inflation 11.1%. · Interest rates to rise again. · £100 billion to service national debt. · £177 billion more borrowing next year. · Rishi gave away billions, Jeremy is taking it back, as he said, “it has to be paid for”. · The UK always pays its debts, he reassured the markets. If you are struggling to grow your income and reduce costs in the economic winter, I will personally speak to you to help you accelerate your wealth building journey. If you would like to work with me to help you thrive in any economy, click on the link below to book a free Wealth Accelerator Discovery Call - https://calendly.com/charleskelly/wealth-accelerator-discovery-call

Each week at 10 am on a Thursday, ASL's Jason Perry & Kimberly Bradshaw talk live about HR Issues. In this week's HRin10, Jason & Kimberly talk about: The changes in the National Living Wage and other inflationary pressures on employers. What's happening in the Apprenticeship market and the differences in take up numbers between entry level Apprenticeships and higher level apprenticeships.. For more information visit the Events page on ASL's Website

Join the Payroll Podcast and the expert panel of payroll experts assembled by SD Worx to explore all the key issues currently affecting the world of payroll!  In this episode, we discuss the Preparing for Christmas and Looking ahead to April 2022 as well as the National Living Wage and the Real Living Wage.  We also answer your payroll questions Live!

Join the Payroll Podcast and the expert panel of payroll experts assembled by SD Worx to explore all the key issues currently affecting the world of payroll!  In this episode, we discuss the Preparing for Christmas and Looking ahead to April 2022 as well as the National Living Wage and the Real Living Wage.  We also answer your payroll questions Live!

April 2022 marks a significant turning point in terms of finances for both employers and employees within primary care, as changes to the National Living Wage are made, the new Health and Social Care Levy comes into force and there are additional implications for those paying into the NHS Pensions Scheme. Regular podcast guest and primary care accountancy guru James Gransby returns to walk us through all the updates and what these could mean in real terms for practices and staff as individuals. James is joined by Practice Index panel members Nicola Davies and Claire Houston who reflect on the significance of the changes, how they can best prepare themselves (and their staff) as Practice Managers, and how they might mitigate the risks, and the knock on effect, on the ground.   Introductions (30 secs) Changes to the National Living Wage (1 mins) The Health and Social Care Levy (1 min 38 secs) The knock-on effect on employers and employees (2 mins 32 secs) Impact from a practice perspective (3 mins 7 secs) Nicola's reaction / pressure on staff (4 mins 12 secs) Claire's views / benchmarking performance in line with finance (6 mins 9 secs) Implications for recruitment (7 mins 41 secs) How can we make our vacancies more attractive to potential applicants? (8 mins 49 secs) Pitting practice against practice (9 mins 41 secs) Pensions changes in summary (10 mins 53 secs) The effect of the McCloud Judgement (11 mins 40 secs) Reviewing personal pensions choices (12 mins 13 secs) How can we ensure everyone is aware of what's coming? (16 mins 12 secs) Where accountancy firms can help (18 mins 5 secs) Will the additional costs be considered centrally? (19 mins 17 secs) Contractual pressures (20 mins 21 secs) Communication is key (21 mins 43 secs) What else do we need to be aware of right now? (23 mins 17 secs)   The Practice Index benchmarking tool Claire mentioned can be found here The Practice Index website is here For all enquiries, please contact James Dillon here or Ben Gowland here

The National Living Wage, Apple DIY repairs, inflation at 4.2%, rent increases and more. Every Friday on the pod it's time for Your Money, This Week, looking back at the big personal finance news from the last seven days. Stories covered in this episode include: The National Living Wage Equal Pay Day 2021 Inflation hits 4.2% Latest job figures Rents at 13-year high Misleading scam adverts Amazon payment changes Apple DIY repairs & more My guest this week is Helen Saxon, Money Editor at Money Saving Expert. Together we'll help you get up to speed with what's been going on. Plus my deals of the week round up. For links and further reading head to becleverwithyourcash.com/cashchats234 ABOUT CASH CHATS Cash Chats is presented by money blogger and broadcaster Andy Webb. In 2020 the podcast was featured as one of the top money podcasts by publications including Apple, Good Housekeeping, The Sun and the Independent. In 2019 it was awarded Best Money Podcast at the SHOMOS - the UK Money Bloggers community annual awards, and runner-up in 2020. On each Cash Chats episode you can hear Andy share ways to get the most from your money. He's often joined for friendly and accessible conversations by a friend from the UK Money Blogger community to cover topics as diverse as freebies and investments. Andy also runs the award-winning website Be Clever With Your Cash, presented Channel 5's Shop Smart Save Money and founded the community ukmoneybloggers.com. To contact Andy email Andy@Becleverwithyourcash.com ANDY ON SOCIAL Andy's handle is @AndyCleverCash and you can follow him over at: twitter.com/AndyCleverCash instagram.com/andyclevercash     GET ANDY'S WEEKLY NEWSLETTER You'll also get a free Quidco bonus for signing up https://becleverwithyourcash.com/newsletter/ MUSIC The music is Easter Island by Lonely Punk and provided on a creative commons licence     

Heather Stewart, Larry Elliott and Aditya Chakrabortty break down what the chancellor Rishi Sunak announced in the Commons on Budget day 2021. Plus, as we gear up for Cop26, Fiona Harvey tells Peter Walker about the man who's leading the summit - Alok Sharma.. Help support our independent journalism at theguardian.com/politicspod

National Living Wage set to rise to £9.50 an hour, Tesla surpasses $1 trillion valuation & Budget 2021: Public sector workers set for pay rise. 3 of the 5 stories included in today's 60 second “5 Things” Vox Markets Podcast

National Living Wage rise, Cross Question & what do schools need to support special needs pupils? Joining Iain Dale on Cross Question this evening are Transport Secretary Grant Shapps, Labour MP Dame Meg Hillier, General Secretary of the Fire Brigades Union Matt Wrack & businessman and former Brexit Party MEP Lance Forman.

Minimum wage: Sunak's plan to raise National Living Wage sparks job fearsAllister Heath: The three mega-risks that could doom Boris's high-wage gamble to disasterPump price: Petrol heads for 150p a litre after hitting record highTom Harris: Increasing NHS spending is easy politics - but there will be a backlash if services don't improve'Gun to our head': Poland's PM warns EU against starting 'World War Three'Robert Taylor: Poland is learning very quickly what happens when you challenge the EUManchester United 0 Liverpool 5: The anatomy of an eviscerationAnalysis: How Liverpool have left Manchester United trailing on and off the fieldJason Burt: Cosy old Manchester United lack chutzpah to sack Ole Gunnar SolskjaerExasperated intensive care doctor: 'I'm fed up with anti-vaxxers taking up hospital beds'The ‘seventh Friend': How James Michael Tyler's Gunther gave the sitcom its heartRead all these articles and stay expertly informed anywhere, anytime with a digital subscription. Start your free one-month trial today to gain unlimited website and app access. Cancel anytime. Sign up here: https://bit.ly/3v8HLez.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

The National Living Wage is widely expected to be increased by 6.6% to £9.50 from £8.91 for workers over 23 in this week's budget. The pay increase for millions of workers is twice the current cost of living rises and will put further inflationary pressure on businesses to pass the additional costs to consumers. Retail sales continue to fall, as landlords ramp up the pressure on thousands of tenants in rent arrears. Petrol prices hit record high in UK as inflation continues to soar towards a market predicted rate of over 4% by the year end. Interest rates expected to rise to 0.25% to curb runaway inflation brought on by a lethal cocktail of higher transportation, food and commodity prices, staff shortages and central bank money printing on an industrial scale. Rishi Sunak is expected to announce a £2bn investment into building new homes on derelict or unused land in England in Wednesday's Budget. The UK Chancellor wants 160,000 greener homes built on brownfield land the size of 2,000 football pitches, and has also pledged £9m towards 100 urban "pocket parks" across the UK. There are also rumours that he will introduce more tax hikes including Capital Gains Tax (CGT). CGT is paid assets, such as shares, a business or a second home, are sold at a profit. Conservative governments are traditionally ‘low tax, low spend' administrations, but Rishi Sunak has to get the country out of the worst recession in 300 years, controlling inflation, as well as balancing the books after borrowing £400 billion to spend on propping up the economy during enforced lockdowns. UK debt is over £2 trillion. In further bad news, the BBC appears to be dropping strong hints that the country could be forced into yet another Christmas lockdown as infection rates rise. See: 6 Budget Changes That Could Hit Your Pocket Financial education in investing is the key to building and keeping wealth. Never stop learning! Keep watching or listening to my free podcasts on iTunes and subscribe to my YouTube channel for regular financial news and updates. If you would like to learn more about investing and managing your money, become a professional property investor, or would like to be financially free without working any harder, watch this free on demand training. I will give a special free gift which can help you to immediately transform your finances when you attend the online training. Click on this link to watch the free training now https://bit.ly/3wLWqx2

Millions are to get a pay rise in April when the National Living Wage increases to £9.50. Labour say higher energy bills & changes to Universal Credit will cancel out any windfall

Could we BE any more across the day's news? On the podcast we're talking about the plans for National Living Wage, greenhouse gases hitting record levels and Gunther's best moments on Friends, after James Michael Tyler (who played the character of Gunther on the sitcom) died. Adam is still "on a break" so Naga Munchetty is our special guest presenter, chatting with Alex Forsyth, Rory Cellan-Jones (for the last time as he's leaving the BBC) and Oksana Tarasova from the World Meteorological Organization. We're really there for you today... Today's Newscast was made by Sam Bonham, with Georgia Coan and Alix Pickles. The studio director was Emma Crowe and the assistant editor was Alison Gee. Credits (thanks for the clips): Friends/Bright, Kauffman, Crane Productions/Warner

This week with Martin 2 million low paid workers receive a pay rise as the National Living Wage rises 2.5% and is given to 23 and 24 year olds for the first time Spending on sport and gardening is sharply up More households risk moving to default energy tariffs if they don't take action Credit card providers face fines after being found to have colluded and there's a call for shareholders to have more say on company climate change policies.  The Money Moment is presented by Martin Bamford of Informed Choice independent financial planners of Petersfield. See omnystudio.com/listener for privacy information.

This week with Martin 2 million low paid workers receive a pay rise as the National Living Wage rises 2.5% and is given to 23 and 24 year olds for the first time Spending on sport and gardening is sharply up More households risk moving to default energy tariffs if they don't take action Credit card providers face fines after being found to have colluded and there's a call for shareholders to have more say on company climate change policies.  The Money Moment is presented by Martin Bamford of Informed Choice independent financial planners of Petersfield. See omnystudio.com/listener for privacy information.

What is it like living on the national living wage?

The ride-hailing app giant, Uber, said all drivers would earn at least the National Living Wage, a month after the US firm lost a legal battle in the UK over drivers' status. But Union leaders have suggested Uber has been trying to "cherry pick" from the Supreme Court's ruling, Today programmes Mishal Husain spoke to James Farrar, former Uber driver who brought a case against the company, followed by Frances O'Grady, general secretary of the Trades Union Congress and Matthew Taylor, author of the Taylor Review of modern working practices and until recently director of labour market enforcement for the government. (Images: A sign which reads Uber; Credit: Reuters)

In this weeks interview, Jason and Sarah discuss the changes to the National Living Wage, extension of training & apprenticeship programmes, and the introduction of rapid testing kits for all businesses and the implications for workers.

This morning Sarah & Jason talk about the issues impacting on employment, including the changes to the National Living Wage, changes to redundancy on furlough and whats now happening with the end of lockdown.

Join Low Pay Commission Secretary David Massey as he talks about the shifts in the national living wage during the crisis, and the trends to look out for as we transition out of the furlough scheme in October. You'll hear about: • LPC's role in supporting government policy and regulation • An overview of National Living Wage in comparison to National Minimum Wage • Sectoral trends in pay during the crisis that can inform your business next steps • Impact of minimum wage changes on the younger demographic • Advice for business owners on where to get more guidance on pay For up-to-the-minute COVID-19 updates and practical guidance, visit our COVID-19 hub at www.rec.uk.com/covid19 Audio track: www.bensound.com/

The financial shock continues. Here's what's new in money from Martin Bamford. Interest free overdrafts and a freeze on credit card payments, nearly one million people sign-up for Universal Credit, a big lift in the National Living Wage, research suggests one in five businesses could be forced to close within a month without additional funding and house prices were rising before the outbreak. Sponsored by Informed Choice independent financial planners of Petersfield.  

The financial shock continues. Here's what's new in money from Martin Bamford. Interest free overdrafts and a freeze on credit card payments, nearly one million people sign-up for Universal Credit, a big lift in the National Living Wage, research suggests one in five businesses could be forced to close within a month without additional funding and house prices were rising before the outbreak. Sponsored by Informed Choice independent financial planners of Petersfield.  

National Living Wage Jumps 6.2% As Stock Markets Suffer Worst Quarter Since 1987 The UK National Living Wage increases this week by more than three times the rate of inflation to £8.72 for people aged 25 and over. When the new rate was announced at the end of last year it was described by the government as "the biggest cash increase ever". Meanwhile, the government's coronavirus job retention scheme means employers can claim for 80% of wages in order to keep staff employed. By Charles Kelly, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast. In this Money Tips Podcast episode: 1. National Living Wage rises to £8.72 per hour for workers aged 25 and over 2. Stock markets continue falling after suffering the worst quarter since 1987 3. Pension transfers could be delayed or blocked after FCA advisory 4. Dividends cut or suspended by banks and blue-chip companies 5. After interest cut, mortgages have gone up – if you can get one! 6. Tax Year end looming – top up ISAs to claim tax free allowance 7. Use your pension allowance and find your “lost” pensions 8. 10 things you can do to thrive during Covid 19 isolation Track down your “lost” pension scheme - https://www.gov.uk/find-pension-contact-details UK Government Business Support Helpline (England) Telephone: 0300 456 3565 Monday to Friday, 9am to 6pm Can you afford to retire? Millions of people, or over 80% of the population, will either retire in poverty or not be able to afford to retire at all. What’s your strategy? Quit the rat race and retire early You can learn how to build a second income, acquire cash flow generating assets using leverage in order to quit the rat race and become financially free. This crisis has taught us that the only way to be truly financially free is to build your own source of passive and semi-passive income, rather than working on someone else’s passive income. Learn how to make money on Amazon Amazon is one of the largest and fastest growing companies on the planet and its founder owner, Jeff Bezos is the world’s richest man. One of the ways Amazon got so big is by partnering with millions of small traders who benefit from Amazon’s massive leverage by selling their products on their huge ‘shop window’ platform. If you’d like more information on how to quit the rat race, email me at Charles@CharlesKelly.netor send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com

The UK budget for 2020-21 has finally landed, with some clarifications to SSP and other support available amid the COVID-19 pandemic. We look at this and also some principles, specific tools and delegation tips to consider if you decide to bring in remote working to your small business to cope with the inevitable self-isolation brought about by corona virus. Budget 2020-21: A whole bunch of measures are in place to mitigate the impact of COVID-19, including clarification that the government will reimburse employers with fewer than 250 employees for up to 14 days of SSP per employee, including those who self-isolate. 'New style' Employment and Support Allowance is the alternative option to SSP for the self-employed, and it will also be payable from the first day of self-isolation or sickness. This plus the changes to National Living Wage and the effect on the Minimum Income Floor for Universal Credit claimants is discussed. Remote working principles: Working remotely as a team can be a challenging setup. A recent article from Harvard Business Review helpfully outlined some of the important principles you may need to adopt, such as reinforcing goals and roles, especially clarifying any changes due to the new working setup. Refer to the article for an outline - it's helpful stuff. Remote communication tools and delegation tips: A messaging platform with status and availability indicators can be great for showing who's available or busy and who's working on what, which is particularly important for workers to be able to stem the all-too-human suspicion that they might be shirking. In previous employment, I used Lync - now Microsoft Teams - which was useful for synchronising my availability and 'status' to my calendar, but there are other options available that at least offer always-on communication like Signal, Google Hangouts and Slack. When delegating tasks, especially if by email, I like to use the 7 golden rules of delegation - see this in detail, and how to apply them 'upwards', in the show notes. Show notes and links, including all the other platforms we post on, can be found at https://aegisaccounting.co.uk/blog/podcast-7-budget-2020-21-remote-working-principles-and-tools

The Conservative party conference is over and it is a good day when praise for free markets dominates the Prime Minister’s party conference speech. The freedoms and liberties we enjoy in the UK go hand-in-hand with a commitment to economic liberalism, which creates prosperity and raises living standards for everyone in society. But Boris Johnson must pay more than just lip service to free enterprise and fiscal responsibility.  The IEA’s Mark Littlewood argued that, contrary to what the Prime Minister claimed in his speech, results for patients on the NHS are not, “amazing”, but rather woefully mediocre in international comparisons of health system performance. Expanding house-building on brownfield sites will not remove the need to dramatically liberalise planning law, to deliver the million new homes Britain needs to tackle the housing crisis. And his endorsement of hiking the National Living Wage only serves to further politicise wage-setting, risking the productivity growth he hopes to generate in order to increase tax revenue and boost funding for public services. Mark ended by saying that the Prime Minister’s instincts on the merits of capitalism seem to hit the mark. What was missing from his speech were concrete policy plans to reduce the tax burden and roll back red tape, which would allow market mechanisms to flourish. Joining Darren Grimes to discuss the policy takeaways from conference is the IEA’s Associate Director Kate Andrews and Syed Kamall, the IEA’s Academic and Research Director. You can subscribe to this podcast on Apple Podcasts.

Money news and Property prices slow to 0.2% in September UK house price growth "almost ground to a halt" year to year in September, with property prices 0.2% higher, the Nationwide has said. The country’s biggest building society also said that prices fell by 0.2% compared with August, according to figures based on its own mortgage data as a major lender. The average home was now valued at £215,352, it said. The Chancellor, Sajid Javid announced that the National Living Wage will rise to £10.50 within the next five years. He will also lower the age threshold for those who qualify from 25 to 21. Speaking at the Tory Party Conference, Mr Javid said the policy would "help the next generation of go-getters to get ahead".

Today, Jamie talks about the National Living Wage, Mat wants an AI contact book with a camera and the most unusual of unusual names and absolutely no one can remember what exactly Michelangelo painted. News Four in ten small firms increasing prices due to higher wages amid calls for Low Pay Commission independence How Companies Benefit When Employees Work Remotely Innovations Robot golf ball knows where the hole is, and rolls in no matter where it’s aimed OrCam MyMe Finance explained What is peer to peer lending? Brilliant or bonkers “I don't know anything with certainty, but seeing the stars makes me dream.” ― Vincent Van Gogh “The greater danger for most of us isn’t that our aim is too high and miss it, but that it is too low and we reach it.” — Michelangelo Audio: Death of Lovers, John Hall | Opsound

It's the start of a new tax year and with it are a fair few changes to your finances. Here's a quick run through of the major things you need to know. I've put some bullets below of the main points, but I've gone into more detail in this week's podcast episode. Changes affecting your earnings Tax threshold increases Personal allowance up to £12,500 from £11,850 Higher rate threshold up to £50000 from £46,350 In Scotland the personal allowance is also rising to £12,500, but above that tax rates are different so check it out National Insurance thresholds also going up. You'll now start paying 12% NI after you earn £8,632. But you pay it until you earn £50,024 (when it drops to 2%). Minimum wage aka the National Living Wage increases across all age groups Pension auto-enrolment levels to increase Employees 3% to 5% Employers 2% to 3%  Price rises Council tax  BBC report increase of 4.5% in England on average It’s less in Scotland. Half increasing by 3% but some going for the cap of 4.79%. In Wales can go as high as 9.92%. TV licence up £4 a year (read more here) Energy cap increase - typically £117 a year added to variable bills (read more about the cap) Water bills up slightly - 2% on average Car tax up for most between £5 and £15 Prescriptions up 20p to £9 in England - everywhere else gets it for free (read about how to pay less) Dental charges up to £22.70 (up £1.10) Stamps went up at the end of March by 3p each. a second class stamp is 61p a first class stamp is 70p  

New FSB research looks at how April's National Living Wage rise has impacted small businesses. FSB Head of Media Alan Soady discusses the issue with Policy Advisor Alex Metcalfe and Deputy Head of Public Affairs Ruby Peacock.

When it comes to talking about home ownership in this country it quickly divides in to the "have's" and "have not's." According to the OECD fewer than half of low to middle income families are now able to afford to buy a house and some campaigners estimate that, by 2020, families earning the National Living Wage would be unable to afford to buy homes in 98 per cent of the country. The answer, according to many, is radical deregulation of the planning laws and building on the greenbelt. 8 million new family homes could be built if just 2% of the greenbelt was handed over to developers. To those threatened with the prospect of bulldozers arriving in a field near their home, it will mean urban sprawl and the destruction of large swathes of natural countryside so that builders can make a quick profit. Economists argue that when the greenbelt was created in 1955 it arbitrarily distorted the market for building land. But the current housing crisis is about moral issues too and in such a polarising debate it's vital that we're able to identify them to get the root of the issue. How do we draw the line between legitimate self-interest and Luddite nimbyism? People talk a lot about inter-generational justice, but do we have an absolute moral duty to provide for the next generation whatever the cost? How do we choose between conflicting moral goods? We all love a beautiful pastoral scene, but does the physical landscape have a moral value beyond how it can be used in the service of mankind? Obviously, having somewhere to live is a fundamental need, but is home ownership a moral good and even a human right? Panellists George Buskell, Poppy Cleary, Maddie Groeger-Wilson and Jane Fidge.

The care home business is heading for a crisis according to Evan Davis's guests in this edition of The Bottom Line. The cost of providing care in this labour-intensive business has increased significantly because of the introduction of the National Living Wage. The fees paid by local authorities on behalf of poorer residents no longer cover the cost of providing accommodation, food and staffing. Care homes make up the shortfall by charging higher fees to privately funded residents. Social care analyst William Laing tells Evan Davis that private payers subsidise publicly funded residents by, on average, £8000 per annum. But this is not an option in less affluent areas with a shortage of fee paying clients. John Ransford of the HC-One group provides care for mainly publicly funded residents. He tells Evan that 24 hour care for the elderly has to be provided for less than the cost of a night in a Travelodge. Evan's guests believe that the care sector's business model is unsustainable. Find out what they think will happen next. Guests: Dr. Jane Townson. Chief Executive Officer, Somerset Care Group John Ransford, Non-Executive Director, HC-One William Laing, Founder and a Director of Laing Buisson, Healthcare Intelligence Company Producer: Julie Ball.

2016 has been a year of change and upheaval socially, politically and economically. From the National Living Wage and the Apprenticeship Levy to Brexit and the US election, events over the past year are set to have a significant impact on work and working lives. In this episode we talk to Margaret Heffernan, Laura Overton and Laura Harrison about the effect these changes are having – and will have – on businesses and their employees and what HR and L&D professionals can be doing to help prepare themselves and their organisations for the year ahead.

Exploring the impact of the National Living Wage on fruit and vegetable growers.

In this episode of the Informed Choice Podcast, Martin talks about the personal finance things you need to know in the new tax year.  There is also a roundup of the latest personal finance news and an update from the world of Informed Choice. Things you need to know in the new tax year The new tax year started on 6th April 2016, bringing with it some changes to tax rates and allowances, as well as some investment and pension changes. As promised in the podcast, here are the facts and figures you need to know. The new personal allowance for 2016/17 is £11,000, up from £10,600 last year.  There is no more age-related personal allowance for people born before April 1938, removing the dreaded age-allowance trap. Higher earners face an income limit of £100,000 with their personal allowance reduced by £1 for every £2 of income over this limit, so earn over £122,000 and your personal allowance is reduced to zero. The personal savings allowance is now in force, giving tax-free savings interest to those with taxable income of less than £16,800, or a £1,000 tax-free savings allowance for basic rate taxpayers and £500 for higher rate taxpayers. Dividend income is subject to a new tax regime, with a £5,000 tax-free allowance and then income tax charged at 7.5% for the basic rate, 32.5% for the higher rate and 38.1% for additional rate taxpayers. The marriage allowance increases from £1,060 to £1,100, allowing unused personal allowance to be transferred to a basic rate taxpayer. Landlords and second-home buyers will pay a 3% stamp duty surcharge, applicable on completions from 1st April 2016 onwards. For existing landlords, the 10% wear and tear allowance is removed in 2016/17. Capital gains tax rates are reduced from 20% to 10% for basic rate taxpayers and 28% to 18% for higher rate taxpayers, with the exception of capital gains on residential property sales (other than your principle private residence). No change to the ISA allowance this tax year, which stays at £15,240. The Junior ISA allowance remains at £4,080.  The new tax year saw the launch of the new Innovative Finance ISA, allowing peer-to-peer lending to be held within an Individual Savings Account for the first time. The pension lifetime allowance is reduced from £1.25m to £1m for 2016/17. The annual allowance is reduced to as low as £10,000 for higher earners. Listen to episode 68 of the Informed Choice Podcast for more on these pension changes and to hear about the protection options available. Personal finance news update -The new state pension was introduced this week, offering a single flat-rate income to new pensioners from 6th April 2016. -Fewer people are cashing in their pension savings, one year after the launch of new pension freedoms. -The new National Living Wage has come into force, with workers over 25 now receiving a minimum income of £7.20 an hour. -Over 11.5 million confidential files have been leaked from the database of international law firm Mossack Fonseca, revealing details of how the rich exploit secretive offshore tax regimes. -HM Revenue and Customs has received more than £4bn in inheritance tax receipts during the past year, the largest amount ever received by the tax man in a twelve month period. Get answers to your personal finance questions Do you have a personal finance or investing question for Martin? Email martin@icfp.co.uk or ask on Twitter @martinbamford. You can call our dedicated podcast voicemail line on 020 8144 2745 with your question or visit www.speakpipe.com/InformedChoicePodcast to leave an online voicemail. Martin and Informed Choice Martin Bamford is a Chartered Financial Planner, Chartered Wealth Manager and SOLLA Accredited Later Life Adviser. As Managing Director of Informed Choice, the award-winning firm of Chartered Financial Planners in Surrey, he is responsible for nearly £200m of client assets. Martin is the author of several bestselling personal finance books and produced his first feature-length documentary in 2014, about the post-war Baby Boomer generation in retirement. “Bamford excels at making even the dullest topics interesting” – Pensions Management Visit www.icfp.co.uk to find out more about Informed Choice, or follow us on Twitter at www.twitter.com/informedchoice.

After a brief hiatus, we are back in the pod. The Scottish General Election campaign has started and we are all underwhelmed...slightly. Is the debates, the formats or the politicians ? We have some thoughts...also the National Living Wage - the untold story.

Sir Vince Cable, the former business secretary, joins Kiran Stacey, Martin Wolf and Martin Sandbu of the Financial Times to discuss whether there is a future for the British steel industry and if the new national living wage will cost jobs. Presented by Sebastian Payne. See acast.com/privacy for privacy and opt-out information.

In episode 14 of Engage, Alistair shares the details of the new national living wage that was announced by George Osborne at last week’s budget, which comes into effect in April 2016. The new wage will be paid to workers aged 25 and above. Initially, it will be set at £7.20 an hour, with a target of it reaching more than £9 an hour by 2020. Part-time and full-time workers also qualify for this. As you may know, the current national minimum wage is due to rise to £6.70 in October this year and many SME businesses had already forecast for this but hadn’t any indication about this further increase. The new living wage in April is expected to give a pay rise to six million workers but is expected to cost 60,000 jobs and reduce hours worked by four million a week, according to the Office for Budget Responsibility. Alistair shares some of the benefits of paying the current living wage (£7.85 per hour) which is not legally enforceable, and this is which is promoted by the Living Wage Foundation. The HR Booth are looking to ensure clients have the right staffing levels, and have people scheduled to work at the right time. It’s an opportunity when forecasting to look at your flexibility and shifts, ensuring you can perhaps get more productivity to offset the increase. If you’re doing anything different, then please get in touch to share your feedback. For further information on this podcast, you can contract Alistair directly via email – Alistair.booth@thehrbooth.co.uk, or via the website www.thehrbooth.co.uk Disclaimer: You must not rely on the information in this podcast as an alternative to Human Resource Management advice from an appropriately qualified professional. If you have any specific questions about any Human Resource Management matter you should consult an appropriately qualified professional. You should never delay seeking Human Resource Management advice, disregard Human Resource Management advice, or commence or discontinue any Human Resource Management action because of information in this podcast. Please contact The HR Booth directly for specific advice and guidance.