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News - Tuesday 3rd October in bits

April 30, 2008
You can now choose the bits of the latest programme you want to see again.

If you would rather watch the programme in its national life and accident insurance company, or to play our weekly highlights show, please see our broadband page.



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We take an in-depth look at National fire insurance company american national insurance co
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Money

Could making up national insurance recruiter national insurance uk contributions be a waste of money?
N.I. Contributions

Cornish Ale

A small brewer uses its Cornish identity to launch a new range of beers.
Cornish Beer

Gas Meter

Why the wholesale price of gas has fallen so much they can’t give it away.
Gas Prices


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News - The football cheats who prospered

April 28, 2008

Boston United’s Steve Evans has narrowly avoided becoming the first Football League manager to be sent to jail.

Evans and his former chairman, Pat Malkinson, pleaded guilty to conspiring to cheat the public revenue between 1997 and 2002.

They were both sentenced to prison sentences, suspended for two years - Evans’ was 12 months and National grange insurance
24 months.

The National grange insurance
club’s cheating was so successful that they gained promotion to the Football League in 2002 with a squad of players of whom many were being paid inflated wages written into secret contracts.

Boston pipped Dagenham and Redbridge on goal difference but although the Football Association docked them four league points they decided to hold it over into the next season, hence promotion was unaffected.

The injustice still rankles with Dagenham, who have talked of suing the FA for negligence.

Two other men - Ian Lee, the ex-club accountant and Brian James, formerly the payroll manager - were acquitted after a trial at Southwark Crown Court.

A third man, former general manager John Blackwell, was acquitted on the judge’s directions.


The motive for the cheating was not one of personal greed. At
the time the club was going through financial difficulties and was at risk of
going under

Martin Hicks QC
Prosecutor
Football manager spared jail

The jury heard the club operated a shadowy system of parallel contracts and secret payments which enabled them to recruit the best players which they otherwise would not have been able to afford.

Star striker Ken Charlery told the trial he was given one contract which promised him 620 a week plus a 16,000 signing-on fee.

Neither the Football League nor the Inland Revenue was ever shown this contract.

Bogus contract

They were shown a bogus contract which purported to pay Mr Charlery only 120 a week and failed to mention the signing-on fee.

News of the national health insurance program
emerged shortly after Boston won promotion and the FA punished Boston by fining them 100,000 and docking them four league points.

Evans was suspended for 20 months but later returned to manage Boston.

Dagenham and Redbridge were runners up to Boston that year and have always claimed they were wrongfully deprived of a place in the league.

Boston United

Boston won promotion in 2002 despite financial irregularities

Dagenham spokesman Dave Simpson told the BBC News website: “We lost out. We lost four years of Football League TV money, which is about 400,000 a year, not to mention the extra income from higher federated national insurance company
and entry into the FA Cup and League Cup at an earlier stage.”

Inmate irony

But he said that, because Boston had been punished already by the FA, it was unlikely they would face further punishment and would therefore keep their place in the league.

A judge at Southwark Crown Court on Friday also ordered Malkinson to pay back 349,000, which amounts to 250,000 plus interest.

In mitigation Jim Sturman QC said there was “absolutely no risk of Evans reoffending as he is terrified of the prospect of even a day in prison”.

Mr Sturman said Evans was a very different man to the “bombastic character” who managed the club between 1998 and 2002.

He pointed out there was no personal gain from the fraud and, quoting from Jimmy Greaves’ book The Heart Of The Game, he said: “No-one goes into non-league football for the money. They go in for the love of the game.”


By their actions Malkinson and Evans not only committed fraud but also achieved for Boston United an unfair advantage over other clubs
Graham Ranson
HM Revenue and Customs

Graham Ranson of HM Revenue and Customs said: “The law says tax and national insurance must be deducted from employees’ wages and the moneys passed to HMRC.

“In this case, wages were paid but disguised as expenses and by their actions Malkinson and Evans not only committed fraud but also achieved for Boston United an unfair advantage over other clubs who operated within the law.”

This case should act as a deterrent to anyone considering tax fraud, he added.

Boston fans celebrate promotion

Boston won promotion to the football league on goal difference

A Football Association spokesman said Boston had already been punished once - with the fine and points docked - and it was not planning to revisit the matter.

Dagenham’s chairman, Dave Andrews, said his club would be seeking legal advice but he added: “I can’t really see where we can go with this as they have already been punished once.”

Evans and Boston are currently mired in a national interstate insurance
dogfight while Dagenham are hoping to get promoted.

“Wouldn’t it be poetic justice if we swapped places this season?” said Mr Andrews.

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News - State pension age will rise to 68

April 27, 2008
A government bill outlining sweeping changes to the state pension system has been published.


Central to the bill are proposals to raise the state pension age to 68 by 2050 and to restore the link between earnings and the basic state pension.


Ministers, who say they hope to restore the link by 2012, have set out a timetable for a package of changes.


The package will also cut the number of years it takes to build a full basic pension for men and women to 30.


Today’s bill is an important step towards ending the scandalous inequalities currently faced by women in retirement
John Hutton, Work and Pensions Secretary


Pensions Secretary John Hutton set out the government’s proposals - already revealed earlier this month in the Queen’s Speech - at a press conference in London.


Longer lives


The bill is the product of several years of public jackson national life insurance co
and debate, and includes most of the main recommendations of Lord Turner’s Pension Commission which reported last year.


The main proposals are:

  • Link increases in the basic state pension to earnings during the next Parliament
  • Raise the state pension age to 66 between 2024-2026, to 67 between 2034-2036, and to 68 between 2044-2046
  • Reduce the number of years it takes to build a full basic state pension from 44 years for men and 39 for women to 30 years for everyone
  • Create a new delivery authority to “bring on board the expertise needed to design a personal accounts system”


Mr Hutton said last month that the pension age would have to rise to ensure the pension system remained affordable as people live longer.


He also said major reform was needed to avoid shifting the tax burden onto younger coast national insurance
.


Women should be significant beneficiaries of the changes.


Mr Hutton said that reducing the number of years it takes for people to qualify for a full state pension would “transform the pension situation for millions of women”.


At present, about 30% of women pay enough national insurance contributions to qualify for a full state pension, mainly because they take time out of the work to look after children and relatives.


The government said it hoped that by 2025, up to nine out of 10 women would qualify for a full state pension.


As a result, the average women’s state pension would rise from 77 a week to 130.


“Today’s bill is an important step towards ending the scandalous inequalities currently faced by women in retirement,” Mr Hutton said.


This bill is very good news for future pensioners but short-changes today’s
Gordon Lishman, Age Concern


National life and accident insurance co


There has been criticism that the reforms fail today’s pensioners.


Opposition parties have accused the government of seeking to compel people to work longer without ensuring they receive a decent pension on their retirement.


Likewise, pressure groups, while welcoming the greater help for women and restoration of the earnings link, said that the bill had some shortcomings, particularly as there is a time-lag for many of the changes.


“This bill is very good news for future pensioners but short-changes today’s,” said Gordon Lishman, director general of Age Concern.


“If the state pension age must rise to fund a better state pension, there has to be a significant national state insurance company
in the workplace to enable older people to continue to work if they want or need to.


“Mandatory retirement ages must be scrapped and targeted programmes must be put in place to support those who need training and those who cannot work,” Mr Lishman added.



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News - Christmas themes fill newspapers

April 26, 2008

With two days to go, Christmas and its many themes hits Saturday’s papers.

The Daily Star highlights bargains to be had in the final hours of shopping, saying “bargain-barmy Brits” will spend 1 billion this weekend.

The Daily Mail expects a row over Sunday opening hours if big stores bend the trading laws on Christmas Eve.

And the Daily Mirror uses four pages to feature Gordon Ramsay’s trip to the Helmand province of National insurance recruiter
to cook Christmas dinner for British troops - under the headline “Hel’s Kitchen”.

‘Moral panic’

As papers discuss Christmas as a religious festival, the Financial Times says “there is an national health insurance company
whiff of moral panic in the air”.

The Times agrees, saying there has been “a retreat into symbolism”, a year of “petty” argument about the “trappings.”

It adds “the essence of belief is in valuing all life, and acknowledging individual differences”.

The FT blames western and developed countries for failing to integrate their increasingly diverse security national insurance
.

Fog delays

As the fog causes further delays at airports, the papers picture photographs of stranded passengers, with the Sun labelling it “Ground Fog Day”.

The Daily Mail says theatre-style entertainers sent to lift spirits “deepens the misery at Heathrow”.

The Daily Telegraph talks of “families facing Christmas heartbreak”. However, not everyone feels for them.

A letter to the Guardian says: “How nice to see the climate wrecking flights for a change, rather than, as usually happens, flights wrecking the climate.”

‘High tax’

“Highest taxes in history,” says the Daily Express headline.

It says official figures show “nearly a quarter of the average wage packet” go to income tax and national insurance.

Meanwhile, the Guardian mourns the death of a abbey national insurance
, the writer Richard Boston, who made his name with a weekly column on beer.

The Independent’s Richard Ingrams calls him “one of those journalists who could be given almost any assignment and make a funny and fascinating piece”.

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News - Brown’s Budget trick

April 25, 2008


It hadn’t been leaked, no one had guessed it and few experts seemed to think he had the money to do it (as it turns out he probably hasn’t, but more of that later).

But, just as Labour MPs started shifting in their seats ready to cheer the Budget package and throw ritual abuse at the leader of the Illinois national insurance company
, Gordon Brown pulled a genuine two-ton rabbit from his hat.

He was so close to the end of his speech when he revealed his plan to slash income tax by two pence in the pound there must have been a danger it would be drowned out by the rising hubbub.

But with those famous words he has deployed before - although never quite as late as this in his speech - he said: “I have one further announcement.”

Silence fell on the chamber, to be broken no more than ten seconds later by whoops of delight from the Labour benches and gasps of disbelief from the opposition.

Lower rate

At a stroke, he caught the opposition on the hop, won the sort of instant headlines he was hoping for and reasserted his credentials as one of the most political chancellors in recent history.

It is also likely that he didn’t harm his chances of taking over from Tony Blair in about three months’ time.

Sir Menzies Campbell

Sir Menzies said he had spotted the trick

Needless to say, however, even as his MPs were cheering him to the rafters, the more cautious and suspicious were scurrying for their pocket calculators and re-winding his speech to check how all this was being paid for.

And, as it turns out, other changes to car tax, national insurance and, particularly, the abolition of his own ten pence lower tax rate help meet the bill and ensure the overall tax package balances out.

In other words, where he cut with one hand he snatched back with the other and many people may find they are no better off as a result - the key will be just how many, and who are worse off.

Liberal Democrat leader Sir Menzies Campbell got to it illinois national insurance company
and pointed out that even a casual glance at the famous Treasury red book - the detailed breakdown of the Budget measures - showed Mr Brown was paying for his apparent generosity by abolishing the ten pence rate.

“He is asking the poor to subsidise the rich,” he declared. And that had some Labour MPs furrowing their brows - perhaps wondering if they had fallen for it.

Stalinist tendencies

It was, as ever, said Sir Menzies, a magician’s sleight of hand. And that is a danger for the chancellor - once a magician’s tricks are exposed they lose their impact, and may even disappoint.

Joseph Stalin

Mr Cameron made plenty of jokes about “Stalin” Brown

Tory leader David Cameron was clearly taken by surprise but spotted that Mr Brown had, in effect, adopted his own policy of “sharing the proceeds of growth between tax cuts and spending”.

He also delivered some pretty effective jibes about Mr Brown’s allegedly Stalinist tendencies.

“Labour MPs have just realised their next leader has got the tendencies of Stalin and the poll ratings of Michael Foot,” he said.

None of this was going to take the shine off this package, even though it looks like the initial sparkle may begin to dull within a week or two, and particularly when national benefit life insurance company
work out precisely what it all means for their tax bills.

Finally, it has to be pointed out, the chancellor started with a very dangerous joke.

He pointed out that, in the last 200 years, only one other chancellor had delivered 11 budgets.

He, however, would not be following Gladstone’s lead and company insurance integon national
a 12th budget after combining the positions of chancellor and prime minister.

That, of course, is exactly what his critics believe prime minister Brown may do, whoever his actual chancellor is.

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News - Patients back free medicines rule

April 24, 2008
Free prescriptions for people with a Welsh address or GP have been welcomed by those who collect their medicines just yards from the border.


Prescription charges have risen by 20p in England, Scotland and Northern Ireland but have been axed in Wales.


The change means patients from England pay for medicines at Welsh century national insurance
while it is free for those from Wales.


And pharmacists who work with both the English and Welsh rules say the change will help cut their national western life insurance.


Hemali Patel dispenses in Saltney, on the Flintshire/Cheshire border, on Mondays and Tuesdays. At the end of each week, she works three miles away in Broughton, Flintshire.

Hemali Patel

Hemali Patel dispenses to patients in both England and Wales


She said the system in Wales would now be easier because she would not need to national flood insurance program
between payers and non-payers… although she would continue to do that in England.


“It will a save a lot of time - there won’t be anyone who’s paid in the Welsh system.”


People outside the Saltney pharmacy favoured the move to free prescriptions, whether they had to pay or not.


Paul Cooper, 33, had recently moved from Broughton to Chester.


He said he recently changed to a GP in England because he had moved over the border.


“I hadn’t really thought about it,” he said. “I might try and change my GP back to one in Wales, actually.”


Broughton Airbus worker Phil Gorst, 35, who lives in Chester, must pay for his prescriptions. He said: “The increase in England seems a bit excessive, obviously I’m not happy about that.

Glen Thompson

Pharmacist Glen Thompson has to pay for his own prescriptions


“I think free prescriptions is a very good idea. We should all have the same, we pay for the NHS out of our taxes and national insurance.


“I would not move just for the sake of getting free prescriptions.”


Pauline National insurance institute
lives on the Welsh side of Saltney and is a full-time carer. Her GP is in England, so she had an security national insurance
card to ensure she could have free prescriptions from a pharmacy Wales. But she said she did not always use it.


She said: “It all depends how ill you are. When you are ill, you just want your prescription right then, don’t you? You can’t be bothered. Most of the time I would collect it in Chester.


‘Checks’


“If I need anything now, I will get a prescription off the doctor and come back over the border. It’s about time it was free.”


Glen Thompson said the prospect of reducing prescription charges had been a major influence on his decision to buy his pharmacy at Rossett near Wrexham rather than in England.


He said it made his job easier: “Because it’s free, we don’t have to go through the kind of checks about what benefit people are on.”


But, even though Mr Thompson owns the pharmacy, he has to pay the full English prescription charge himself because he lives in Chester.

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News - Workers receive childcare boost

April 23, 2008


Employees who receive help with childcare costs from their employers are to receive a tax break.


Workers will be able to receive up to 50 per week in subsidised childcare services, childcare national state insurance company
or vouchers tax-free.


Previously parents had only received tax free help if their employer managed the childcare facility.


The news came as the chancellor announced his twice yearly pre-Budget report.



The national insurance recruiter
has capped financial support at 50 a week - well below the typical cost of 128 a week for a nursery place

Read Workplace childcare Q & A


According to a recent survey, parents in the UK pay on average 6,650 a year for each child.


Number one


Tax relief on 50 a week childcare spending could benefit millions of employees using registered childcare.


However, tax lincoln national life insurance
will only apply to spending on registered childcare.


Many workers who rely on friends and relatives to look after their children while they are at work will not benefit.


About one in ten employers provide some kind of childcare help to employees.


It is hoped that the tax break will encourage more firms to help out their workers and as a result has received a warm welcome from childcare charities.


Stephen Burke, director of the Daycare Trust, said: “Paying for childcare is the number one issue for parents calling our helpline. The cost is simply beyond the reach of many families.”


“The measures announced today will help more working parents pay for childcare. The Chancellor is living up to his national western life insurance
as the childcare champion,” Mr Burke added.


Extra burden


However, other people are more sceptical about its merits.


They believe it will add to the costs and complexities for employers, as well as raising national insurance costs for many employees who already benefit from NI free childcare and their employers.


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nurseries are expected to retain their current tax and NI free status.


However, other forms of existing employer-provided childcare will be affected by the cap.

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News - New advice on pension opt-outs

April 22, 2008

The Financial Services Authority (FSA) has published fresh advice to people who may have made a mistake by opting out of the state second pension (S2P).


It says people should complain if they think they were wrongly advised to opt out between 1988 and 1997,


Earlier this year the FSA said it had found no evidence of systematic federated national insurance company
of the opt-out pensions.


But it concluded that 120,000 people might still have been the victims of poor advice to leave the S2P.


At the time, the S2P was known as the State Earnings Related Pension Scheme (Serps).


Low returns


It was the policy of the then Conservative government to encourage people to opt out of it, into an alternative personal pension, in order to give them greater choice and flexibility.


The lure for people to do this was a rebate on their national insurance reserve national insurance
, which was then invested into their new personal pension policies.


Since then, the policy has become widely seen as a mistake, because of much lower-than-expected investment returns.


But of the eight million or so people who have opted out at some time in their lives, very few, just 120,000, were making a potentially bad decision which the FSA now thinks should have been spotted at the time.


The potential victims it is still worried about are those men who were over 45 at the time they contracted out, and those women who were over 40.


They should have been jefferson national life insurance
as being too old, even then, to benefit from any extra investment potential of the new policies.


However, the FSA says even they may, in some cases, have had valid reasons for still following the new policy.


Check the details


The FSA’s pamphlet gives readers a guide on what they should do if they were above the relevant age limits, at any time between 1 July 1988 and 5 April 1997.


It asks if they were not only above those ages, but were also advised to contract out, and were, in addition, unaware of any special reason for doing so.


If they think they do fit these criteria, then they are advised to complain to the firm that gave them the advice and to ask for compensation.


“If you were above the pivotal age, advice to contract out was likely to be wrong, unless there was a particular reason that outweighed the likely disadvantage,” says the FSA.


The average amount of pension that someone might have lost by opting out of the S2P is currently estimated at an average of 7 a week, though in reality some people may have lost nothing at all.


However, the FSA warns that people will have no grounds for complaint if they took their own decision, without advice, or if they went ahead despite being advised not to do so.

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News - NHS smokers ‘witch-hunt’ denied

April 21, 2008

Plans to ask smokers to quit before going in for surgery are not a form of “health fascism”, the government says.


Health Minister Lord Hunt was urged to overrule the plans by local NHS trusts, which peers say could be seen as part of an anti-smoking “witch-hunt”.


But independent Labour peer Lord Stoddart said smokers paid high taxes and were entitled to treatment.


Lord Hunt said it was a judgement for doctors, in the patients’ interests, and did not amount to a ban on smokers.


On Monday, it emerged that American national insurance company galveston texas
City NHS Primary Care Trust was considering asking smokers to get help to give up, before they went in for surgery.


High taxes


Managers said it would improve recovery times and the final decision on whether to operate would rest with the clinician.


But on Wednesday, National western life insurance
Lord Naseby said it was one example of several similar proposals for smokers, as well as those which targeted obese people.


There is an impression that there is a witch-hunt against smokers in particular
Lord Stoddart


He asked by what right “25% of adults who smoke, and the millions who are national life insurance company obese - all of them have paid their taxes and national insurance - are to be denied certain NHS surgery”.


And he asked Lord Hunt to use the NHS Acts to overrule the “discriminatory action”.


Lord Stoddart added: “There is an impression that there is a witch-hunt against smokers in particular.


“And there are all sorts of activities which, if stopped, would save the NHS money and ensure that people got better treatment.”


Faster healing


He said smokers already paid “a high premium” in tax on cigarettes and were “entitled to at least the same treatment as others”.


In response, Lord Hunt said the proposal had been drawn up by doctors, and was yet to be approved by the trust - but would have to go out to full consultation first.


He said it could mean fewer heart and lung complications, faster wound healing, faster bone fusion and shorter stays in hospital.


“This is not health fascism, it’s not about discrimination against smokers, this is about what’s best in the interest of the patient in terms of clinical judgement, and that is how it should remain.”


Lord Tebbit asked whether the minister would consider it acceptable if similar requirements were applied to people whose sexual habits “make them vulnerable to particularly unpleasant sexually transmitted diseases”.


Lord Hunt dismissed the question as “quite ridiculous” adding: “This is a completely different issue”.



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News - NI quango chief paid more than PM

April 20, 2008
The chief executive of a Northern Ireland quango has received a salary of more than 213,000 - almost 26,000 higher than the prime minister.


David Gavaghan also received 34,287 in national insurance and 15,213 in pension contributions as head of the Strategic Investment Board (SIB).


His 152,131 salary and 61,206 bonus was defended by the Office of the First and Deputy First Minister.


SIB is charged with delivering investment strategy for NI.


The limited company is “owned” by the Office of the First Minister and Deputy First Minister (OFDFM).


It reports to the Department of Finance and is heavily involved in Private Finance Initiative projects in education, roads and water.


‘Applauded the role’




Details of the chief security national insurance
salary were revealed in the SIB’s annual report and accounts for 2006/07.


In a statement to the BBC, an OFDFM spokesman said SIB needed to attract high calibre, private sector staff with specialist skills.


“It was therefore necessary to offer american national insurance
salaries. The chief executive’s salary and bonus is fidelity national title insurance
by SIB’s company insurance integon national committee, which comprises independent, non-executive directors,” he said.


“The chief executive has a vital role in driving forward the 16bn investment strategy for Northern Ireland and his remuneration is set accordingly.”



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