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As many families across the country waved off students into the next stage of growing up and taking control of their own finances, advice from HMRC on student-targeted scams, coupled with a wider tax knowledge survey, highlight potentially dangerous gaps in public understanding of the tax system. Cybercrime is far from confined to big banks […]

A recent report looking at who pays the most income tax reveals some interesting findings. The Institute for Fiscal Studies (IFS) published a briefing note in early August with a detailed answer to the question of what it takes to enter the 1% club. Around 310,000 people make up this cohort, with some predictable and […]

Is a state pension age (SPA) of 75 looking more likely? Recommendation The SPA should better reflect the longer life expectancies that we now enjoy and be used to support the fiscal balance of the nation. The SPA in the UK is set to rise to 66 by 2020 (Pensions Act 2011), to 67 between […]

Implementation delayed following concerns raised by industry representatives. HMRC has announced that the planned implementation of the VAT domestic reverse change for building and construction services, due on 1st October 2019, has been delayed for 12 months until 1st October 2020. Construction industry representatives had raised concerns that some businesses in the sector are not […]

Stock markets, as well as some family holidaymakers, experienced a rollercoaster August. The traditional holiday month proved to be anything but quiet on the world’s investment markets. As the graph of the major UK and US stock market indices shows, there were plenty of sharp lurches, up as well as down.          […]

Risk management, like football is a team effort. To get past the goalie it has to go right through the defence, midfield and strikers… the lines of defence. There are FIVE aspects to managing risk: 1. The “man on the ground” performing the role that was assigned to him in an organisation with a positive culture – […]