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"Statistically, over the long term, shares will almost always outperform cash. Given that ISAs should be about long term saving then making them equity only doesn’t seem like a bad idea to me." I agree However many people are risk averse. And a case for less volatile investments / holding cash for older people. | |||
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"But what will happen if every one just cash in there ISA rather than tieing up cash for a long time. I have long term investments but have cash ISA's for easy access. Could stocks and shears ISA be instant access?" Investment isa’s are instant access to withdraw | |||
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"But what will happen if every one just cash in there ISA rather than tieing up cash for a long time. I have long term investments but have cash ISA's for easy access. Could stocks and shears ISA be instant access? Investment isa’s are instant access to withdraw " And can you lose your money if the investment goes down. I was allready looking at pulling some cash out of ISA | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect?" Oh yes And she will probably scrap tax free dividends. When I set up my business 2007 dividends where free, as it was deemed tax had been paid in the way of Corporation tax 20%. Now it's 8.75% dividend Tax. And tax free is only £500. Directors will have no benefit for the risk so you would be mad now to bother investing in a business. | |||
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"But what will happen if every one just cash in there ISA rather than tieing up cash for a long time. I have long term investments but have cash ISA's for easy access. Could stocks and shears ISA be instant access?" I’ve just withdrawn from my stocks and shares ISA and it’s taken 6 working days to get to my bank account. | |||
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"But what will happen if every one just cash in there ISA rather than tieing up cash for a long time. I have long term investments but have cash ISA's for easy access. Could stocks and shears ISA be instant access? I’ve just withdrawn from my stocks and shares ISA and it’s taken 6 working days to get to my bank account." That's not too bad then but good to know. | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect?" Given the mess the Tories left, they need some way to sort things out. | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect? Given the mess the Tories left, they need some way to sort things out." So if there is no money Why is benefits going up 6.7% in April. | |||
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"Labour (and all UK governments) have just reached the end of the road with taxing income, so if they want more cash they need to start seizing people’s assets. Another option might have been to consider cutting state expenditure but for obvious reasons governments (and particularly Labour governments beholden to public sector trade unions) prefer not to do so. Eventually they will also run out of private assets to seize and the markets won’t support any more borrowing or money printing. I’m not sure what happens then." Rase the age of state pension again, It just feels like rob the rich that have worked hard to give it to the poor how don't work. Not saying it is this but it feels like it. If Cash ISA's do get taxed I for one will pull the cash out. And look for investment elsewhere, probably over sea. | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect? Given the mess the Tories left, they need some way to sort things out." Not constantly running the country down and complaining about a fictional 20 Billion blackhole, whilst spending £20 billion on public sector pay rises that exceeded inflation without securing any contractual reforms would have been a good start? I would have settled for a bilateral agreement where extra pay came with productivity improvements or working hour adjustments, but that didn’t happen. Instead, it was a blank cheque, take the money and run while you can! We will provide the smoke screen.... | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect? Given the mess the Tories left, they need some way to sort things out. So if there is no money Why is benefits going up 6.7% in April. " Because inflation on 8th April 2024 rose by 6.7%...   | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect? Given the mess the Tories left, they need some way to sort things out. Not constantly running the country down and complaining about a fictional 20 Billion blackhole, whilst spending £20 billion on public sector pay rises that exceeded inflation without securing any contractual reforms would have been a good start? I would have settled for a bilateral agreement where extra pay came with productivity improvements or working hour adjustments, but that didn’t happen. Instead, it was a blank cheque, take the money and run while you can! We will provide the smoke screen...." Except there was a black hole. Some of it hidden but the Tories. The rest, well, perhaps strictly not a black hole, but a gap in finances for the same reason as the hidden part. The public sector pay rises may have exceeded inflation but given the workers had gone though years of terrible rises, it's hardly unfair. Oh, and those rises were in line with private sector rises. Sounds fair to me | |||
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"The treasury is pulling in £1.06trn tax a year from the economy. Gross tax is reported by ifs at 37% of GDP equivalent to around £17,200 per adult in uk. Billions wasted every year, instead of coming after savers, pensioners, farmers and soon employers, the government need to stop wasting money and balance the books. For example Lammy has just given the new ISIS leaders of Syria £50million " Imagine trying to provide assistance to help prevent Syrians landing on our shores. | |||
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"The treasury is pulling in £1.06trn tax a year from the economy. Gross tax is reported by ifs at 37% of GDP equivalent to around £17,200 per adult in uk. Billions wasted every year, instead of coming after savers, pensioners, farmers and soon employers, the government need to stop wasting money and balance the books. For example Lammy has just given the new ISIS leaders of Syria £50million " They don't get £17,000 from me so that makes me feal better. lol | |||
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"The treasury is pulling in £1.06trn tax a year from the economy. Gross tax is reported by ifs at 37% of GDP equivalent to around £17,200 per adult in uk. Billions wasted every year, instead of coming after savers, pensioners, farmers and soon employers, the government need to stop wasting money and balance the books. For example Lammy has just given the new ISIS leaders of Syria £50million Imagine trying to provide assistance to help prevent Syrians landing on our shores. "Indeed. And the taxpayer has coughed up for 50 RAF ordnance sortees over Gaza for the Israeli bombers to make 1.9 million homeless and create a another decade of refugees | |||
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"The treasury is pulling in £1.06trn tax a year from the economy. Gross tax is reported by ifs at 37% of GDP equivalent to around £17,200 per adult in uk. Billions wasted every year, instead of coming after savers, pensioners, farmers and soon employers, the government need to stop wasting money and balance the books. For example Lammy has just given the new ISIS leaders of Syria £50million Imagine trying to provide assistance to help prevent Syrians landing on our shores.
Indeed. And the taxpayer has coughed up for 50 RAF ordnance sortees over Gaza for the Israeli bombers to make 1.9 million homeless and create a another decade of refugees "To be fair watching the C4 Top gun program last night, I did think if RAF pilots need to keep there flying hours up it might as well be purposeful. | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect? Given the mess the Tories left, they need some way to sort things out. Not constantly running the country down and complaining about a fictional 20 Billion blackhole, whilst spending £20 billion on public sector pay rises that exceeded inflation without securing any contractual reforms would have been a good start? I would have settled for a bilateral agreement where extra pay came with productivity improvements or working hour adjustments, but that didn’t happen. Instead, it was a blank cheque, take the money and run while you can! We will provide the smoke screen.... Except there was a black hole. Some of it hidden but the Tories. The rest, well, perhaps strictly not a black hole, but a gap in finances for the same reason as the hidden part. The public sector pay rises may have exceeded inflation but given the workers had gone though years of terrible rises, it's hardly unfair. Oh, and those rises were in line with private sector rises. Sounds fair to me " Not inline with the private sector at all. Do you know why the BMA would not accept the 11% pay rise on the table from the tories? | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect? Given the mess the Tories left, they need some way to sort things out. Not constantly running the country down and complaining about a fictional 20 Billion blackhole, whilst spending £20 billion on public sector pay rises that exceeded inflation without securing any contractual reforms would have been a good start? I would have settled for a bilateral agreement where extra pay came with productivity improvements or working hour adjustments, but that didn’t happen. Instead, it was a blank cheque, take the money and run while you can! We will provide the smoke screen.... Except there was a black hole. Some of it hidden but the Tories. The rest, well, perhaps strictly not a black hole, but a gap in finances for the same reason as the hidden part. The public sector pay rises may have exceeded inflation but given the workers had gone though years of terrible rises, it's hardly unfair. Oh, and those rises were in line with private sector rises. Sounds fair to me Not inline with the private sector at all. Do you know why the BMA would not accept the 11% pay rise on the table from the tories? " Absolutely was in line From ONS Annual growth in employees’ average regular earnings (excluding bonuses) was 5.7% | |||
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"The treasury is pulling in £1.06trn tax a year from the economy. Gross tax is reported by ifs at 37% of GDP equivalent to around £17,200 per adult in uk. Billions wasted every year, instead of coming after savers, pensioners, farmers and soon employers, the government need to stop wasting money and balance the books. For example Lammy has just given the new ISIS leaders of Syria £50million Imagine trying to provide assistance to help prevent Syrians landing on our shores. "Imagine jus5 sending them straight back on the next plane to Syria. | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect? Given the mess the Tories left, they need some way to sort things out. Not constantly running the country down and complaining about a fictional 20 Billion blackhole, whilst spending £20 billion on public sector pay rises that exceeded inflation without securing any contractual reforms would have been a good start? I would have settled for a bilateral agreement where extra pay came with productivity improvements or working hour adjustments, but that didn’t happen. Instead, it was a blank cheque, take the money and run while you can! We will provide the smoke screen.... Except there was a black hole. Some of it hidden but the Tories. The rest, well, perhaps strictly not a black hole, but a gap in finances for the same reason as the hidden part. The public sector pay rises may have exceeded inflation but given the workers had gone though years of terrible rises, it's hardly unfair. Oh, and those rises were in line with private sector rises. Sounds fair to me Not inline with the private sector at all. Do you know why the BMA would not accept the 11% pay rise on the table from the tories? Absolutely was in line From ONS Annual growth in employees’ average regular earnings (excluding bonuses) was 5.7% " The labour budget increase in employer Ni contributions has been widely used as a reason not to increase employee pay this year across the private sector. 1.5% when I work. I voted labour. I will never vote labour again. | |||
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"a rumour by the telegraph and the usual fab far righties piss their pants while they go into meltdown "What is it really would help if you reply and quote | |||
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"It's Labour, it's Tax, Tax, Tax! What did people expect? Given the mess the Tories left, they need some way to sort things out." Maybe they should start with the inefficiency and beaucracy that plagues this country? Pissing away billions on a useless railway line (HS2), ballooning NHS over spends and an out of control welfare state might be better starting points than taking the soft targets of continually hammering working people? Although judging by "sir" Khan this seems to be Labour speciality | |||
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"If putting up Employer NI contributions is going to stop growth it begs the question where was the growth when it has been its current rate for the last decade or so. The Conservative party have been known as pro business yet even with a pro business government in charge for the last 14 years the private sector have produced insipid growth." That’s not entirely accurate. The Conservatives inherited an economic mess in 2010 following the financial crisis, and since then, other global events (Covid, energy crises, inflation) have impacted our growth. Despite this, business confidence was recovering post covid, with the economy showing signs of improvement. However, a change in government and a change in treasury policies have damaged that confidence, pushing us towards a potential recession. | |||
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