Another take on long-term care costs

Long term care costs - couple making a heart shape with their hands

The funding of long-term care is an issue that hasn’t been resolved despite multiple attempts.  A Royal Commission on the subject was established in 1997 and reported in 1999. Its proposals were rejected by the Labour government at the time as too costly to deliver. Since that date there has been a number of reports, …

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Cyber Security

Cyber Security

Cyber security measures include keeping your personal and financial data safe. As cybercrime is on the rise, the security of our online accounts is a hot topic. However, a recent report by the UK’s National Cyber Security Centre (NSCS) shows that millions of us are using passwords on our sensitive accounts that are almost laughably …

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Changes to student finance on the cards

graduation - student finance

A government-commissioned report on student finance has proposed significant changes to the funding of university students in England. Students resident in England (different rules apply in other parts of the UK) pay a maximum university tuition fee of £9,250 per year, financed by a student loan. Further loans to cover maintenance plus interest at RPI+3% …

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How long do you want to work?

Worker wearing watch and suit - working longer

As people are living longer, a parallel older-age profile is emerging in the labour force indicating that people are working longer too. Labour market statistics for the period of December 2018 to February 2019 revealed some impressive results. In the UK, employment of those aged 16–64 was running at 76.1%, the joint highest level ever …

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Is this the end of inheritance tax?

family on beach - inheritance tax

Last month several newspapers reported plans by the Labour Party to end inheritance tax and replace it with a gifts tax. The coverage was somewhat creative, as the idea was plucked from a paper prepared for the Labour Party primarily focused on reforming the taxation of land. The gifts tax section covered just half a …

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