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Benefit Cuts –£18 Billion, £25 Billion or more?
The two sets of announcements about benefit cuts, and increases, that were made in the Emergency Budget (June 2010 in the tables) and Comprehensive Spending Review of 2010 (SR 2010) became a headline...
View ArticleA lower threshold for automatic enrolment in a workplace pension scheme
The Shadow Secretary of State for Work and Pensions, Rachel Reeves, announced last week that the Labour party was looking to move to lower the earnings threshold for automatic enrolment in a workplace...
View ArticleWhy the referendum has killed Universal Credit
It now seems that Scotland will get control of at least some of, what are now, national benefits. In particular it seems that Housing Benefit will be devolved to Edinburgh. According to the BBC, on the...
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Pension Wise will make people Pound Foolish
There are big changes coming in April to the way in which people, from age 55, can access their ‘money purchase’, or ‘defined contribution’ pension savings. These are pensions where the amount you get...
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Mortgage interest changes – finally on their way
I wrote some time ago, over 3 ½ years in fact, about the consultation and call for evidence that had been published by the government announcing their policy intentions for support for mortgage...
View ArticleTax Credit cuts bad – Universal Credit cuts worse!
Tax credits are very much in the news at the moment, not least because of the powerful appearance on BBC Question Time of Michelle Dorrell with her concern about the personal impact of these cuts. I...
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Notional income from pension pots
Before the pension freedoms of April 2015, the practical reality, for most people with pension savings, was that they had to take an annuity. For those with benefits entitlements that was often a...
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Income certainty and low pension savings
There is concern, increasingly voiced, by a number of well-informed commentators, about some of the consequences of the pension freedoms. The complexity of choices, the lack of knowledge of most...
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Universal Credit and patterns of earning
Universal Credit is a simpler benefit than the complicated six benefits that it replaces; says the government. It is understood more easily because it matches the way in which most people in work get...
View ArticleThis blog is moving.
To make better use of the WordPress facities and to have an easier address to remember, I’ve moved this blog to https://benefitsinthefuture.com/ This blog will stay ‘as is’ but future posts will be...
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