Tax free childcare is finally due to launch next month, but will the ship leave harbour?

Yesterday the Chancellor confirmed that the government “flagship” policy of Tax Free Childcare is still intended to launch in April this year. Some may argue that this action is well overdue.  This new policy has been awaiting its maiden voyage since it was first announced by the then Coalition government way back in 2013, and […]

9 March 2017 by Steve Herbert

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Government can reach the ‘Just about Managing’ by giving more help to working parents

You don’t need me to tell you that Chancellor Philip Hammond faces another delicate balancing act come the Spring Budget in March.  With the UK’s future still far from clear, the Chancellor must show leadership with his decisions to ensure that – in his own words – the economy is “match-fit” for whatever uncertainties lie […]

17 February 2017 by Steve Herbert

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Productivity and the poverty premium

As we enter 2017 it is becoming increasingly apparent to all that the likely future trading relationships of the UK are still very much a work in progress.  No one truly knows what lies ahead for the country, yet this lack of detail should not deter employers from taking action to ensure that each and […]

6 January 2017 by Steve Herbert

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ImPeTuous tax rise?

Steve Herbert suspects that yet another increase to Insurance Premium Tax (IPT) could be an own-goal for the UK Budgets (and Autumn Statements) must be amongst the most stressful and challenging times for any Chancellor of the Exchequer.  Even more so when the presiding government is in the early stages of negotiation to decide the […]

2 December 2016 by Steve Herbert

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Pensions – sounding the retreat?

Last week the government announced a major U-turn in pension policy.  George Osborne’s much heralded March 2015 announcement to allow pensioners to sell their annuities in exchange for a lump sum was cancelled just a few months before it was due to go live.  The government’s statement on this issue can be read here. Yet […]

25 October 2016 by Steve Herbert

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Pensions Advice: A casualty no more?

You probably don’t need me to tell you that UK pension savings have been undergoing a rather radical set of alterations in recent years.  The last decade has seen changes large and small, with the most significant including pensions “simplification”, auto-enrolment, charge caps, commission bans, and – most recently – the introduction of Pension Freedoms. […]

9 October 2016 by Steve Herbert

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From Arkwright’s to Amazon

Napoleon Bonaparte once derisively described Britain as a “nation of shopkeepers”. It was and is a rather lame insult, but like many such comments contains more than a grain of truth.  For despite our tiny geographical presence the UK remains one of the largest economies in the world. So shopkeepers and business people we Brits […]

28 September 2016 by Steve Herbert

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Brexit and the phoney war

In September 1939 the UK declared war on Germany.  Immediately after this announcement the air-raid sirens were sounded causing widespread panic in London.  Yet for most Brits the horrors of war were not to become apparent for another 8 months.  This period of unexpected calm became known in the history books as the “phoney war”. […]

1 September 2016 by Steve Herbert

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Pension Freedoms: The long and the short of it…

Last week’s pensions press release by HM Treasury/ HMRC struck a rather triumphalist note even within its title – “Britain’s pension revolution goes from strength to strength” The release went on to proudly state that since April this year “159,000 people have accessed £1.7 billion flexibly from their pension pots”. Impressive numbers I agree, and […]

2 August 2016 by Steve Herbert

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Post Brexit, productivity is key for Britain and employers can help

In January – shortly before the date of the EU referendum was announced – I wrote this article for Mindful Money in which I questioned how UK business would fare in the event of a Brexit decision.  My concern centred on the productivity and engagement deficit of Great Britain when compared to most other members […]

25 July 2016 by Steve Herbert

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