Wednesday, November 24, 2010

the 32% of Liverpool houses of the unemployed

4 November 2010 update at 1330 GMT Jobcentreplus there are approximately 2.5 million people unemployed in the Liverpool UK, Nottingham and Glasgow had the largest number of jobless households to the United Kingdom last year, official figures show.

More than 30% households in all three cities was nobody in the work, the Office of national statistics data show.

The lowest rates of delinquency household were Bedfordshire and Surrey.

Of United Kingdom almost 19% of households had nobody to work.

Statistics

This is the second consecutive year that Liverpool had the highest percentage of households without a job.

Below the three cities that the head of the list have been Gwent valleys and North Ayrshire and North Ayrshire.

Outside of Bedfordshire and Surrey - where less than 11% of households were isolated - Inverness and Nairn and Moray, Badenoch and Strathspey, Berkshire and New Hampshire had low levels of domestic crime.

The figures refer to households with at least an adult aged 16 to 64 .the ' ONS compares compares similar population size that may cross boundaries of the local authority areas.


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Funds of pension "surplus".

9 November 2010 update at 10: 14 GMT Pound notes pension funds are affected by the State of private sector investment in the UK pension fund final-salary are surplus, according to fund pension (PPF).

6,653 Regimes, measured by the PPF is moved from a deficit of £ trends at the end of September a surplus of £ 13. 5bn at the end of October.

This compared with a deficit of £ as a year earlier.

The increasing value of the United Kingdom and global actions contributed to the State plans to improve.

The position of pension plans is extremely unstable.

For the past two years plans position measured by the PPF has tilted a deficit of £ 192bn in March 2009 with a surplus of approximately £ 53bn in March this year.

The number of plans deficit at the end of October decreased 4,128, representing 62% of the total, said MPP, with the number of surplus increased to 2,525 regimes.


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Tuesday, November 23, 2010

Free junior announced plan ISA

26 October 2010, 17: 01 GMT updated Father and daughter child trust fund will be discarded completely in January a new child tax free savings account must be submitted as a compensation for the loss of the child trust fund contributions.

Junior (ISAs) individual savings accounts will be locked in funds until the child reaches adulthood.

But unlike the trust fund children, no there is no Government contribution in savings pot each child.

The Government hopes that the new system will be implemented in a year, the communes has been informed.

Saving the new accounts will be similar to the adult version of the savings account individual (ISA) that there is an annual limit of contributions and investments can be made by species or stocks and shares.

They can be run by private providers and the Government will not publicly.

In may, coalition announced that it has been progressively its contributions to child trust funds, which were established by the labour to encourage parents to save for their enfants.Idée Labour Government was for children to have some savings at the age of 18 years, to help with costs such as the financing of the University.

Before may, parents of newborn children received a good £ 250 minimum invest for their children, who had access to money from the age of 18 ans.Un extra payment was made when the child reaches the age of seven.

These payments have been greatly reduced in August but payments will end entirely from January, to save the Government 320 m £ this year and £ 500 m in future years.

When he announced the end of the contributions, Government has suggested that it would still be a program aimed at encouraging a nest - egg for children, who are likely to see increased costs for higher education and housing.

"I am committed to ensuring that all parents can save for the future of their children in a simple and direct, account", said the Financial Secretary to the Treasury Board Mark Hoban, announcing the new junior ISA plan.

"The introduction of this new medium of account that we can offer even people a clear way of saving for their children, while saving half billion pounds per year that we currently spend on child trust funds".


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"Festive peak online shopping"

22 November 2010 update at 11: 23 GMT Online shopping million pounds are likely to spent online this Christmas shopping UK internet await Monday to be the busiest day shopping online before Christmas, suggests a survey.

And officials are urging people to be aware of the additional protection in place for those who purchase items on the internet.

The said Department £ 6 taken could be spent Christmas online.

Shoppers generally have a period of seven-day cooling-off for all purchased items online – regardless of the reasons for return.

"I want are the trust of consumers who can defend their rights and get a good deal," said Minister Ed Davey consumption.

"This is particularly important when times are tight and everyone wants to ensure that they have value for money.

Shopping

More busy year-round on the High Street shopping day tends to be on or about 18 December.

However, to give the time ordered articles online deliverables, the busiest day in the calendar of online shopping comes earlier.

Some £ 537 m will be spent Monday, a survey of 50 retailers by the retail trade commissioned by Kelkoo, online shopping site Research Centre has predicted.

It is estimated that 17 p for every £ 1 spent during the festive period would be used online.

Mode, including shoes and clothing, would be the most popular category, followed by gadgets and consumer electronics.

Consumer rights when shopping for Christmas items include:

A seven-day cooling-off period for the goods purchased online - unless these items are perishable, damaged by the recipientGoods or custom shall be returned to the retailer, not the manufacturerProof purchase may include paperwork as credit - card statements only a receiptUnlike online, there is no legal to return items purchased on the High street simply because the purchaser decides that they don't like it.

"A knowledgeable consumer making their homework before hitting stores only will not pick up the best deals but will also be able to solve problems with their purchase quickly," says Michele Shambrook, Director of operations for direct hotline service to consumers.


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Investors Flock art auction

22 October 2010, last updated at 13: 15 GMT I am Become Death, Shatterer of Worlds by Damien Hirst (detail) some work - such as this by Damien Hirst - retrieve millions of pounds at auction buyers are flocking to art and antiques, auctions as they look for good return on their investments, according to the surveyors.

Nearly two-thirds of Surveyors reported an increase in the number of persons from the auction for three months.

Consumers saw art as a tangible asset that performed better than other forms of investment, said of the Royal Institution of Chartered Surveyors (to).

But this popularity pushed to higher prices, including precious metals.

Surveyed to 54 members who specialize in the art market.

Some surveyors by more than 26% reported an increase in prices of art and antiques in the third quarter of the year that said prices fell.

Positive that 24% in previous three Rics survey showed compared.

", Buyers in material assets during economic uncertain, continuously invest UK art and antique market buoyant said Rics chief economist Simon Rubinsohn.".

Popular

The investigation showed artwork prices increased to seven quarters in a row.

Earlier this month following extracted from a work by Damien Hirst - I am dead to become shatterer of Worlds - entirely from thousands of £ 2 butterfly wings.2 m to the auction in London.

However, it is illustration in support of £ 1,000 to £ 5,000 who has seen the fastest price rises.

Remains silver and jewellery among more sought after items among investors.

In General, the surveyors predicts demand will be lead offer over the next 12 months.

Low interest rates for savers a plateau in the housing market has led to many investors looking elsewhere for a slot for their nest eggs.

Reasons

A spokesman for the auction house Bonhams said that he had a "phenomenal year" with force in the market, including more than affordable work.

He added that they had not predicted this request was inflated by purchasers of emerging economies in the world.

"Within a period of uncertainty as to whether flat growth if we see inflation or deflation and ongoing fluctuations in currencies, art is clearly be seen by some as good coverage against the unknown," said a recent report Bonhams on the art market.

"Essentially, however, reasons for collectors to purchase art remain unchanged - a mixture shading of speculation and passion."

Number of visitors also increased recent years at the Affordable Art Fair in London, according to a spokesman .the ' event, which extends to the Sunday, a contemporary work in sales costs less than £ 3,000.

However, to survey suggests that contemporary art is the productive sector of the worst.


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Wealth "affected by the financial crisis."

11 November 2010 update at 12: 09 GMT Cash poor households child or retired number has decreased in recent years, official statistics have revealed the extent household wealth has been affected by the financial crisis.

Wealth, which includes the assumption of ownership and savings, fell to £ 109 000 per person in 2008 - the lowest for five years.

But he recovered to £ 117 000 the following year, the Office for National Statistics (ONS) said.

Debts remained elevated compared to income, but households have sought to pay debt rather than to save them.

Domestic finances showed resilience, despite the economy as a whole in 2008-9.

For the past 10 years, the proportion of poor households with children or pensioners declined, figures show.


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What to expect

Translate Request has too much data Parameter name: request Translate Request has too much data Parameter name: request 11 November 2010 Last updated at 00:12 GMT Family walking A series of benefits are available to assist with the cost of raising a family Millions of pounds in benefits - which people are perfectly entitled to - go unclaimed each year, partly as a result of a lack of awareness of the system.


Here is a basic guide to some of the main benefits in the UK, and some of the less well-known funds. Not all of the benefits below will be swallowed up by the government's planned new single universal credit; many will continue to exist.


A comprehensive account of all benefits, who is entitled to them and how to claim, is available on the Directgov website.

Adult social care

Help with paying for care, especially in old age, such as help washing and dressing, is conducted on a council-by-council basis and so the level of assistance depends on where you live.

Attendance Allowance

A tax-free benefit for those aged 65 or over who are physically or mentally disabled and need help to be looked after. There are two rates of up to £71.40 a week.

Bereavement Allowance

A weekly rate of up to £97.65 paid for up to 52 weeks from the date of death of a husband, wife or civil partner.

Bereavement Payment

The £2,000 payment is a one-off tax-free lump sum to a husband, wife or civil partner of somebody who has died and generally who was under the state pension age.

Budgeting Loans

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An interest-free loan for those on a low income who need help with certain important costs, such as clothing, furniture and travel.

Carer's Allowance

A taxable benefit for those who look after someone who is disabled. They do not have to be related to, or live with, the person that they care for.

Child Benefit

A universal non-means-tested benefit for parents to claim for their children, but plans to withdraw it for higher-rate taxpayers have proved controversial.

Child Tax Credit

Labour's flagship welfare policy, child tax credits are paid to families with children regardless of whether the parents work.

Child Trust Fund

To be withdrawn completely by the start of 2011, parents were paid a voucher to invest for their children who could access the money at the age of 18.

Cold Weather Payment

Paid to people who are in receipt of certain benefits to help with their additional heating costs during winter. A payment of £25 is made for each seven-day period of very cold weather between 1 November and 31 March - when the average local temperature is recorded as, or forecast to be, freezing (zero Celsius) or below over seven consecutive days.

Community Care Grant

Financial help to live independently in the community for those who have, for example, just moved out of care, or to ease exceptional pressure on them and their family.

Constant Attendance Allowance

To help those who need daily care, are 100% disabled according to medical examination, and who receive Industrial Injuries Disablement Benefit or the War Disablement Pension.

Council Tax Benefit

Financial help for those on low incomes to pay their council tax bill.

Crisis Loans

Interest-free loans for those who do not have enough money to meet their, or their family's, immediate short-term needs in an emergency or as the result of a disaster.

Disability Living Allowance

A tax-free benefit for disabled people, including children, who have difficulty walking and who need somebody to help look after them.

Employment and Support Allowance

The successor of Incapacity Benefit, it is paid to those with an illness or disability but aims to get them into some kind of work.

Funeral Payments

Help for those on low incomes to pay for a family funeral, but might have to be paid back from the estate of the person who has died.

Guardian's Allowance

A tax-free payment of £14.30 a week per child on top of Child Benefit for people who are bringing up children whose parents have died.

Continue reading the main story Tax creditHousing benefitChild benefitDisability Living AllowanceIncome SupportIncapacity BenefitJobseeker's AllowanceCouncil Tax BenefitStatutory Maternity PayCarer's AllowanceHealthcare Travel Costs Scheme Those on a low income and who need NHS treatment at a hospital, another NHS centre or a private clinic and have been referred by an NHS hospital consultant, doctor or dentist, can apply for help with travel costs at the time of their appointment.

Health Costs

Various options of financial assistance for the young, old and those on low incomes to pay for health costs ranging from dental work to wigs.

Health in Pregnancy Grant Make Money Online

A one-off grant to help with costs in the run-up to a baby's birth - however, this is being withdrawn in 2011.

Healthy Start Scheme

Help for pregnant women and low-income families by giving them vouchers that can be used to buy milk, fresh fruit and vegetables, and also coupons which can be exchanged for free vitamins for women and children. It is the only benefit administered by the Department of Health.

Housing Benefit

Aimed at those who struggle to pay their rent because they have a low income, irrespective of whether they work or not. Planned reforms by the government have proved to be extremely controversial.

In Work Credit

A fixed tax-free payment of £40 per week, or £60 per week in London, for parents bringing up children alone. It is payable for up to 52 weeks on top of earnings.

Incapacity Benefit

A weekly payment for people who become incapable of work owing to illness or disability, which started before 27 October 2008, while under state pension age. It is being replaced by Employment and Support Allowance.

Income Support

Financial support for those on low incomes who have not signed on as unemployed.

Industrial Injuries Disablement Benefit

The amount depends on individual circumstances, but this is a weekly payment for those made ill or disabled by certain types of work - such as working with asbestos. It covers accidents, disease and deafness. Those who are self-employed are not eligible.

Industrial Death Benefit

Payable to the widow or widower and children of a person working as an employed earner who died as a result of an industrial accident or prescribed disease. The death must have been before 11 April 1988.

Invalidity Benefit

This was replaced by Incapacity Benefit from April 1995 but is still payable if the invalidity started before April 1995.

Job Grant

A one-off, tax-free payment of up to £250 as a stepping stone for those moving from benefits and into work.

Jobseeker's Allowance

The widely recognised main benefit for people of working age who are out of work, or work less than 16 hours a week on average, and who are looking for work.

Local Housing Allowance

Similar to Housing Benefit, this is the allowance paid to a private tenant on a low income who is renting property or a room from a private landlord.

Maternity Allowance

This pays a standard weekly rate of £124.88 or 90% of your average gross weekly earnings, whichever is the smaller, to somebody who does not qualify for statutory maternity pay.

Mobility Supplement

Some people might be entitled to a free tax disc if they are disabled and get the higher rate of the mobility component of Disability Living Allowance, War Pensioners Mobility Supplement or have an invalid carriage.

Over 80 Pension

A payment of up to £58.50 a week for individuals aged 80 or over who do not get the basic state pension.

Pension Credit

This guarantees a minimum income to those of state pension age by topping up the weekly income to £132.60 for those who are single, and £202.40 for couples. There is also a Savings Credit for those aged 65 and over.

Pneumoconiosis (including asbestosis), Byssinosis and Miscellaneous Diseases Benefit

A benefit paid to the husband, wife or civil partner of somebody who died as a result of pneumoconiosis, byssinosis or certain other diseases which they got from work before 5 July, 1948.

Reduced Earnings Allowance

A payment of up to £58.32 a week for those who do not earn as much as they could owing to a work-related accident or disease that happened before 1 October 1990.

Retirement Allowance

This replaces Reduced Earnings Allowance for those who have reached pension age and have given up regular employment.

Return to work credit

A tax-free payment of £40 per week, payable for up to 52 weeks, for some people returning to work.

School uniform allowances

Help for parents to pay for their children's school uniform, but administered on a council-by-council basis.

Severe Disablement Allowance

Paid to those unable to work for at least 28 weeks in a row because of an illness or disability - but no new claims have been accepted since April 2001.

State Pension

Arguably the best-known of all benefits, this is a payment of £97.65 to all those who have reached state pension age - which is set to rise.

Statutory Adoption Pay

Help to take time off work after adopting a child, it is paid at £124.88 or 90% of your average weekly earnings if this is less, for 39 weeks.

Statutory Maternity Pay

For new mothers, this is paid for the first six weeks at 90% of their average gross weekly earnings with no upper limit and - for the remaining 33 weeks - at the lower of either the standard rate of £124.88, or 90% of their average gross weekly earnings. This is one of a series of rights for new parents.

Statutory Paternity Pay

For new fathers, this is paid for one or two consecutive weeks at £124.88 or 90% of their average weekly earnings if this is less. As with maternity pay, they must have worked for the same employer without a break for at least 26 weeks by the 15th week before the baby is due.

Statutory Sick Pay

A standard rate of £79.15 a week, it is paid by employers for up to 28 weeks if somebody is unable to work because of illness.

Sure Start Maternity Grant

A one-off payment of £500 for each baby to help those on low incomes pay towards the cost of a new baby.

Tax credits

The former Labour government's policy to integrate benefits within the tax system, rather than straightforward handouts. The benefits, administered by HM Revenue and Customs consist of Child Tax Credit and Working Tax Credit.

Training premium

A small amount of about £10 a week paid as an incentive to train for a job.

Travel to interview scheme

For those out of work and on benefits, Jobcentre Plus may be able to help pay to get to a job interview.

Unemployability Supplement or Allowance

This is paid to people who suffered industrial injuries but no new claims have been accepted since 6 April, 1987, when Industrial Injuries Disablement Benefit was increased.

Vaccine Damage Payment

A tax-free payment of £120,000 to those severely disabled and whose disability was caused by vaccination against various diseases, such as tetanus.

War Disablement Pension

A pension, dependent on the level of injury, for those injured or disabled as a result of service in the Armed Forces, who are no longer serving in the Armed Forces and who were injured in service before 6 April 2005.

War Widow's/Widower's Pension

A tax-free pension paid to the wife, husband or civil partner of somebody who died as a result of their service in the Armed Forces or during a time of war before 6 April 2005.

Widowed Parent's Allowance

Up to £97.65 a week paid to a parent whose husband, wife or civil partner has died and they have at least one child who they receive Child Benefit for. Previously known as Widowed Mother's Allowance.

Widow's Pension

Payable weekly at a reduced rate for younger widows, the pension can be paid until the widow reaches 65 but if she retires after reaching state pension age of 60 it will usually be replaced by the state pension.

Winter Fuel Payment

This year it will be paid to all those born on or before 5 July 1950. The annual payment can be between £125 and £400 depending on the recipient's situation, to help pay the increased heating bills of winter. It is different to the Cold Weather Payment.

Working Tax Credit

Another element of the tax credits system, it pays in-work credits to people on low incomes through the wage packet including, where appropriate, part of childcare costs.


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