Telegraph Money @MoneyTelegraph Twitter profile

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Telegraph Money

8 months

💷We’re delighted to introduce Telegraph Money - your complete guide to being better off. From property and pensions, to planning your children’s education, you’ll find trusted insight and valuable advice, plus useful tools and calculators.

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Telegraph Money

@MoneyTelegraph

4 years

Prince Charles has collected £1m+ from people in Cornwall who died without leaving a will. When people die without one or surviving relatives, the property of their estate passes to the Duke of Cornwall under rules relating to the Duchy… Read more here:

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3 years

💳Amazon customers will be blocked from using Visa cards in the UK. ❌The dispute relates to transaction fees charged by the credit card brand Thread 👇

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3 years

~ a #thread 👇 A generation is coming of age during a pandemic that's set to leave long lasting scars on them, both emotionally and financially. @MariannaHunt5 explores how (and how long) young people will suffer in the aftermath of Covid-19

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3 years

❓ Are you a recent graduate? Then you'll lose more of your salary to taxes than working pensioners who earn twice as much, thanks to Boris Johnson's National Insurance levies. Here's a #thread of what you need to know 👇

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3 years

🔴Millions of Amazon customers will be unable to make payments next year after the online retailer banned Visa credit cards in the UK. The ban will come into force on January 19

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3 years

Customers will still be able to use Visa debit cards and non-Visa credit cards, such as Mastercard, Amex, or Eurocard

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4 years

~ a #thread 👇 Thinking about changing jobs? If you're one of the many people who see the pandemic as an opportunity to reboot their career and take it a new direction, then we've got six things you need to consider first

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2 years

🔄 With vacancies at record highs, remote-working in full swing and even talk of a four-day week, 2022 is shaping up to be one of the best times ever to switch careers. But where's best to move to? These are the happiest jobs with the highest salaries 👇 🧵

The happiest jobs with the highest salaries

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3 years

"I travel the world, won't inherit a penny and will retire at 47." Extreme saver Nick Marsh is on course to turn his £75,000 Isa into an "everlasting pot" of £900,000. This is his master plan (a #thread 👇)

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4 years

1️⃣ Which sectors have the most jobs? Fewer vacancies are being posted everywhere this year, but hiring is picking up in construction, education, logistics, healthcare and property 👇 Finding a job in catering, hospitality and marketing, however, will be more challenging…

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3 years

The Government plans to replace gas boilers with environmentally-friendly alternatives in the coming years, with Boris Johnson today setting out his new green agenda. But many households fear they'll be left to pick up the bill. ~ a #thread 👇

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5 years

A former Tory party leader has said he is 'ashamed of his Government' for implementing a controversial tax avoidance crackdown which has been linked to at least one suicide

Former Tory party leader 'ashamed' his Government voted for controversial loan charge

A former leader of the Conservative party has said he is “ashamed of his Government” for implementing a controversial tax avoidance crackdown which has been linked to at least one suicide.

www.telegraph.co.uk

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3 years

💼 Employment woes Youth unemployment will not return to its pre-pandemic level for at least another four years, according to @resfoundation . It's unclear where new jobs for young people will come from – and those who do find work are likely to suffer reduced pay…

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3 years

💷 Treasury officials are drawing up plans for a pensions tax raid to help pay for the UK's pandemic spending, including reducing the lifetime allowance. ❓ How will it affect you and how can you beat it? Here's what you need to know (a #thread 👇)

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2 years

❓ Need to file your self-assessment tax return? We've compiled a list of some of the best loopholes and reliefs to apply for – and they could save you thousands of pounds. ~ a #thread 👇

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2 years

📈 How to wipe out the £700 energy bill increase. Gas and electricity costs are soaring but some small investments can make a big difference. Here are our 10 tips 👇 🧵

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3 years

💳In a email sent to customers, Amazon said it would no longer accept the cards due to the "high fees" Visa charges for processing transactions

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3 years

🏡 Housing turmoil Property prices jumped 8% in 2020 (dipping in Jan 2021 👇), which makes getting on the housing ladder even harder for those who aren't already homeowners. What's worse is that most young people's wages have stagnated or fallen…

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3 years

❤️ Love your job? Twice as many workers believe enjoying their job is a better way to measure career success than a high salary. But what if you want to combine the two? These are the best paid professions with the highest job satisfaction (a #thread 👇)

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2 years

📱 User experience designers ranked joint-3rd for job satisfaction (4.3) and 7th for salary (£46,382). "UX" designers supervise the interaction between human users and products such as websites and apps. It's a varied role, combining elements of psychology, design and tech…

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4 years

Campaigners have today called on the Government to suspend the roll-out of new #tax rules for off-payroll workers… 12 firms representing much of the nation's 5m self-employed said the changes to #IR35 should be delayed for at least a year

'Delay job killing tax reforms, Chancellor,' campaigners chorus

Campaigners are pushing for a reprieve to new tax rules for freelancers before their introduction in April

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3 years

📈 Critics argue the tax rise is contributing to a growing generational divide – especially between baby boomers (who have benefitted from rising property prices) and millennials, who face being the first generation to be worse off than their parents

Graduates will lose more in tax than pensioners on double their income

Boris Johnson has been accused of taxing young to support 'retired millionaires'

www.telegraph.co.uk

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3 years

The "triple lock" is set to be watered down by the Government next year, in a move that would deny pensioners a historic increase in the state pension. That's despite the UK having one of the worst pension provisions in the developed world (a #thread 👇)

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5 years

Experts have accused HMRC of keeping people who face the controversial "loan charge" in the dark, with some settlement negotiations delayed despite there being just four months to go

Loan charge review leaves 50,000 people facing huge bills 'in limbo'

Experts have accused HM Revenue & Customs (HMRC) of keeping people who face the controversial "loan charge" in the dark, after the tax authority put settlements on hold pending a review announced by...

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3 years

By 2025, builders will be banned from fitting conventional gas boilers in new-build homes. New boilers will then be banned for all households by 2035. Instead, homes will likely be heated by heat pumps or hydrogen systems…

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3 years

🗣️A spokesman for Amazon said: "The cost of accepting card payments continues to be an obstacle for businesses striving to provide the best prices for customers"

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3 years

The UK has the worst mandatory pension provision of all 36 countries in the @OECD . Research found that a British retiree's state pension income was typically 28% of their pre-retirement earnings – about half the other countries' average 👇

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3 years

📈 Taxes Covid spending has ballooned to levels not seen since the WW2 and left a gaping hole in the Government's finances. This will most likely be clawed back by tax increases, which means young people will be paying for the pandemic for the rest of their working lives…

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4 months

✍️ 'HMRC has left a trail of devastation behind it – and there’s more to come' | Writes Brian Monteith Read the full column below ⬇️

HMRC has left a trail of devastation behind it – and there’s more to come

If only our elected ministers sought the truth as aggressively as the agency pursues victims

www.telegraph.co.uk

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3 years

Campaign group @ExcludedUK has estimated that 3m workers have fallen through the cracks, receiving little to no money from the Government's furlough or self-employed schemes #ExcludedUK

A year of no income: how the 'excluded' three million survived

Those left out of government support have closed businesses and been pushed to the edge

www.telegraph.co.uk

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3 years

💻 Cyber security has become a part of everyday life, with high-profile attacks now a regular occurrence. But not all hackers use their skills for evil. Ethical "white hat" hackers fight the fraudsters – and some earn big money doing it. ~ a #thread 👇

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3 years

Nick, 30, is part of the so-called "Fire" community, which stands for "financial independence, retire early". The idea is that by living as frugally as possible and maximising savings in your 20s and 30s, you can become financially free…

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3 years

❌A retirement crisis is set to hit over 5 million older workers. Nine in 10 workers will not be able to afford a comfortable retirement - as they will fall short of an “adequate” income once they leave work. ~ Thread 🧵

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5 years

Chancellor accused of lying to MPs over controversial loan charge

Chancellor Phillip Hammond has been accused of lying to an influential panel of MPs about a controversial tax crackdown.

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3 years

💼 This would affect nearly 5m workers who pay 40% or 45% income tax. Under a 30% flat rate, a 35-year-old earning £60,000 paying 4% of their salary into a pension could be £50,440 worse off by retirement age

How the Government's pensions tax raid could affect you

A triple threat on pension taxes would mean 10 million workers lose out

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3 years

"It has been an utter catastrophe." Rocketing costs and spiralling labour shortages are destroying Britain's home renovation boom and causing chaos for homeowners. ~ a #thread 👇

‘Utter catastrophe’: soaring construction costs ruin renovation dreams

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4 years

Four people took their own lives last week after being locked out of Government support, according to @ExcludedUK . It estimates 3m workers have fallen through the cracks, saying Rishi Sunak "continues to ignore stories of hardship" 👇 Read more here:

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4 years

Changes to #IR35 tax rules that will increase costs for firms and leave contractors out of work should be delayed for up to a year amid the #coronavirus pandemic, a Lords committee said last night

Pressing ahead with April tax change puts 'perverse burden on businesses' fighting Covid-19

Calls for delays to April IR35 reform, which has already led to NHS shortages in midst of Coronavirus pandemic

www.telegraph.co.uk

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5 years

The controversial "loan charge" could be scrapped after Chancellor Savid Javid commissioned a review of the policy, reports @_Harry_Brennan_ #LoanChargeReview

Loan charge could be scrapped following official review

The controversial loan charge could be scrapped after Savid Javid commissioned a review into whether retrospective tax bills were the best way to deal with tax avoiders.

www.telegraph.co.uk

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3 years

❓ How can you protect your money from rising inflation? Experts believe once lockdown is eased, a wave of consumer spending could send inflation soaring. High inflation can have a devastating impact on people's finances, so what to do? ~ a #thread 👇

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1 year

"HMRC is fallible but with the bottomless pockets provided by taxpayers, it is able to use the courts to bully its quarry into paying tax that may not be due in law" ✍️ Mike Warburton

The increasingly aggressive approach of HMRC should alarm taxpayers

It is able to use the courts to bully people into paying tax that may not be due in law

www.telegraph.co.uk

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3 years

💷 But someone aged 66+ on a salary of £60,000 will part with just 20.1% under the new system 👇

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4 years

2️⃣ The most/least competitive sectors With a ratio of applicants per job of 62, administration is the most competitive, followed by customer service and marketing 👇 Growing demand for carers, doctors and teachers has meant these areas have become less competitive…

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3 years

🎓As the next wave of freshers take on university this week, many of them will now begin to contemplate life after education. ❓But which jobs provide salaries on upwards trajectories? @MoneyTelegraph has broken down data from Adzuna 🧵👇

The UK jobs with the fastest growing salaries – and how much they pay

From IT to hospitality, a battle for talent is pushing up salaries

www.telegraph.co.uk

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2 years

🤝 HR manager and business partner follow closely for job satisfaction, at 4.4 and 4.3, with median base salaries of £48,433 and £50,000. The roles involve hiring, interviewing and shaping company culture, but can also include conflict resolution…

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3 years

👩‍🎓 It means a graduate earning £30,000 a year will give up 21.5% of their earnings to income tax, NI and student loan repayments – an effective "indirect" levy once the 1.25 percentage point increase to NI rates comes into effect in April…

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3 years

💷 Taxpayers will pay hundreds more every year in National Insurance contributions under bombshell Government plans to raise rates as a means of funding social care, @Telegraph has revealed. But how much will you pay? Here's a #thread 👇

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4 months

💸 ‘We weren’t trying to avoid tax – but now our lives are in ruins’

‘We weren’t trying to avoid tax – but now our lives are in ruins’

More than 50,000 workers face retrospective tax bills amid HMRC’s pursuit of loan charges

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3 years

"It feels like the Tory Government is against self-employment." We meet the winners and losers from Rishi Sunak's #Budget2021 – and others who question the logic behind the Chancellor's plans cc @ExcludedUK #Budget2021 #ExcludedUK

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3 years

Amazon declined to comment on how many customers would be affected. Read the full report here 👇

Amazon customers blocked from using Visa credit cards

The dispute relates to high transaction fees charged by the credit card brand

www.telegraph.co.uk

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3 years

2️⃣ Creative director With a score of 4.4, creative director ranks slightly lower on job satisfaction, but it has a higher average salary (£61,501)…

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2 years

🔍 With an average base salary of £46,215 and a @Glassdoor job satisfaction score of 4.6 out of five, corporate recruiter is a sweet spot for fulfilment and pay. The job involves seeking out new talent to join a company…

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3 years

Roughly nine in 10 British shoppers use Amazon, according to Mintel, a research firm. ➡️Around 40pc use its Prime subscription service

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4 months

✍️ 'HMRC is wrongfully hounding thousands of people for tax they legitimately did not pay' | Writes @Ben_Wilkinson_ Read the comment piece ⬇️

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2 years

📌 Tip 4 - Ditch the fairy liquid. 💰 Save £160 a year. Filling a dishwasher rather than washing up by hand can save a surprising amount. Dishwashers use around 1.1kWh of energy per wash, according to Which?, the consumer group, meaning each cycle costs about 30p

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5 years

"We served in the #ArmedForces and now HMRC could ruin us." Nearly 90% of the 50,000 people who face enormous "loan charge" #tax bills have yet to settle, despite a looming deadline

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4 years

3️⃣ Which skills are employers looking for? Training, design and strategy are some of the most sought-after skills in jobs currently being advertised via @adzuna 👇 Tech know-how is also popular, as are software and digital skills, and experience using Microsoft Excel…

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3 years

When it comes to #HeatPumps , there are two types available. Air source pumps pull ambient heat from the air and increase the temperature using a compressor 👇 Ground source pumps draw heat from pipes in the ground. These have higher up-front costs, but run more efficiently…

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4 months

🔴 A tax crackdown on freelancers and agency workers linked to 10 suicides and an abortion has been labelled “the next Horizon scandal”

HMRC tax crackdown linked to ten suicides is ‘next Horizon scandal’

MPs call for an end to controversial ‘loan charge’ affecting thousands of workers

www.telegraph.co.uk

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23 days

💷 Tax office continues to target victims after ruling to drop the decades-old charges Find out more here ⬇️

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2 years

📌 Tip 1 - Draught excluder. 💰 Spend £10, save £30 a year Draught-proofing your front door is one of the easiest and cheapest ways to cut energy use. Draught excluders can save the average home £30 a year in heating bills, according to The Eco Experts, a comparison service

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3 years

1️⃣ Solutions engineer With an average base salary of £60,221 and a @Glassdoor satisfaction score of 4.6 out of five, this job best combines fulfilment and pay…

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3 years

Meanwhile, pensioners in France, Italy and Spain all receive 60%+ of the earnings they make during their working lives 👇

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3 years

💷 Debt spiral Around half of those aged between 18 and 34 had racked up debts in the three months to Jan 2021, with a total of £2.4bn owed, according to @monva_UK 👇 That equates to a debt of £335 each…

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3 years

❓ So how can you beat it? There are ways savers can shield their money from the worst of the tax rises. @Jessica__Beard offers some clever tricks to protect your nest egg here:

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1 month

🔴 EXCLUSIVE: HMRC refers hundreds to Samaritans after ‘impossible demands’

HMRC refers hundreds to Samaritans after ‘impossible demands’

Taxman partners with charity after 10 Britons take their own lives over loan charges

www.telegraph.co.uk

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3 years

💬 Neil Lovatt of @scotfriendly said the Government was "squeezing younger families to subsidise retired millionaires, older homeowners and asset-rich pensioners"…

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2 years

💻 A full stack engineer ranks highly too, with a satisfaction score of 4.3 and a median salary of £47,320. For this job, you need to be an expert in web, application and software development, and you'll typically have a degree in computer science or a related field…

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1 year

"Parliament is sovereign and the Government has the power to change the law in the interests of treating taxpayers with fairness and humanity. This should now happen without delay" ✍️ Mike Warburton

HMRC must be reformed so we can go back to common sense tax collection

Urgent changes are needed in the interests of treating taxpayers with fairness and humanity

www.telegraph.co.uk

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2 years

📌 Tip 3 - Wrap your water tank in a thermal jacket. 💰 Spend £20, save £350 a year. A thermal jacket for your hot water tank can cost as little as £20 but can save up to £350 in lost energy per year, according to Low Energy Supermarket, an insulation retailer

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3 years

📈 As Britain's jobs market recovers, vacancies have surged. In some areas, they've soared 200% higher than a year ago, according to @indeed . But where are the hotspots and where are you most/least likely to get a pay rise? Here's a #thread 👇

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5 years

Yours for the price of just… £18,750! Meet the Royal Mint's new 18-carat solid gold debit card

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2 years

The state pension has been "unfit for purpose" for decades and plans to reimburse women underpaid £1bn+ have been a "shameful shambles", according to a scathing @CommonsPAC report. The DWP can "never make up" what people have lost, said chair @Meg_HillierMP

Underpaid state pensions leaves system ‘unfit for purpose’

telegraph.co.uk

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2 years

Find all 10 ways to wipe out the £700 energy bill increase here ⤵️

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3 years

❄️ How much would you pay to freeze your brain so you could come back from the dead? Interest in cryopreservation has spiked during the pandemic, driving demand for perhaps Britain's most niche strand of personal financial planning. ~ a #thread 👇

How much would you pay to come back from the dead? Start at £60,000

telegraph.co.uk

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2 years

📌 Tip 2 - Use cold washes. 💰 Save £28 a year. Reducing usage by one cycle per week and washing at 30 degrees could save £28, says the Energy Saving Trust

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3 years

🏴󠁧󠁢󠁳󠁣󠁴󠁿 The jobs market recovery is running hottest in Scotland, with Aberdeenshire registering the biggest yearly rise in vacancies, of 279% 👇 The county's full-time employees earned, on average, £33,669 in 2020 – a 3.5% rise vs the previous year…

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4 years

5️⃣ Will you earn more as a freelancer? On earnings alone, freelancers come out on top across all occupational types. In 2019, freelancers in senior, professional and technical roles earned £21,959 on average each quarter, compared to £10,169 for those in equivalent roles 👇

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4 years

6️⃣ What about the downsides? Going freelance, however, comes with a clear trade-off: a lack of guaranteed benefits 👇 Want even more analysis? Find it in @MariannaHunt5 and @alex_jay_clark 's feature here:

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3 years

Boris Johnson is expected to abandon the Conservative manifesto pledge not to raise income tax, VAT or National Insurance, and has plans to raise the main rate of NI by 1 or 1.25 percentage points to ease the care crisis…

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3 years

"Once the snowball starts rolling, smaller amounts really do build up," says Nick, who earns £75,000 a year. He started saving aggressively in 2012, when he got his first job out of university and was setting aside £1,000 a month on a £24,000 salary

‘I travel the world, won’t inherit a penny but will retire at 47 – this is my plan’

Extreme saver Nick Marsh is on course to turn his £75,000 Isa into an 'everlasting pot' of £900,000

www.telegraph.co.uk

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3 years

The Government plans to offer £5,000 grants for those switching. But critics have warned just 90,000 homes will benefit

New voucher scheme to replace gas boilers limited to just 90,000 households

Government to announce £5,000 grant scheme for homes. Plus, Lord Howard of Lympne on why Britain must take lead in climate change fight

www.telegraph.co.uk

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3 years

🔺Millions of over-50s planning to retire could be pushed into poverty and financial insecurity - a situation that has been worsened by the pandemic. 🔺Over 90% of private sector workers will not be able to afford a comfortable retirement, according to Pensions Policy Institute

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3 years

Residents in a south London block of flats who face millions of pounds of cladding repair costs have accused Trustpilot and Barratt Developments of unfairly deleting negative comments, reports @MustReadMustoe #EndOurCladdingScandal

Angry homeowners accuse Barratt of deleting negative reviews

Customers left in the lurch have to jump through hoops to prove legitimacy

www.telegraph.co.uk

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11 months

Borrowers struggling to pay their mortgages should sell now before house prices fall, lenders have said

Struggling mortgage borrowers should sell now before house prices fall, lenders say

Home owners struggle with monthly payouts amid rising interest rates

www.telegraph.co.uk

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3 years

"The #IR35 shambles must be sorted. The legislation has created such a bad mess that even major government departments can't apply the rules correctly." ✍️ Mike Warburton

Rishi Sunak’s Budget must fix these seven tax injustices

Tax Hacks: shambolic rules and complex policies need to be changed before taxes are raised

www.telegraph.co.uk

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4 years

Most would-be retirees don't think about how to make their pension last until it's too late… Here's how to retire at 60 while paying as little tax as possible #retirement #RetirementPlanning #pensions

Retiring at 60? Here's how to make your money last

telegraph.co.uk

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2 years

1️⃣ Work one day from home and save £120 in tax Working from home tax relief is based on a flat rate. HMRC has said taxpayers can apply for the full relief each year, even if they've worked at home for just one day…

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@MoneyTelegraph

3 years

1️⃣ A raid on pensions tax relief Tax relief is paid at a person's marginal rate of income tax as an incentive to save money, but Rishi Sunak is considering limiting tax relief on pensions contributions to 30%…

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Telegraph Money

@MoneyTelegraph

4 months

✍️"What if the victims of the next great scandal are those who have been caught up in tax avoidance?" writes Head of Money Ben Wilkinson. The controversial ‘Loan Charge’ has so far been linked to at least 10 suicides. Find out more here 👇

This tax mess might be more devastating than the Post Office scandal

HMRC is wrongfully hounding thousands of people for tax they legitimately did not pay

www.telegraph.co.uk

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Telegraph Money

@MoneyTelegraph

3 years

The report showed key factors included: ⬇️A low state pension ⬆️Increasing unemployment A large number of over-55s were forced into early retirement during the pandemic. The full state pension pays just 24% of the national average income

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Telegraph Money

@MoneyTelegraph

3 years

"Being my own boss has become too much hassle." Half of all freelancers plan to quit self-employment for good – and it threatens to do enormous damage to the £300bn they were thought to contribute to the economy each year before the crisis cc @teamIPSE

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Telegraph Money

@MoneyTelegraph

3 years

Solutions engineers are commonly employed by large software firms and are typically responsible for finding out what a client's business needs are – then helping to develop software to meet those needs. It requires both social and technical skills…

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Telegraph Money

@MoneyTelegraph

3 years

The rule of thumb is that you need to have saved 25x your yearly outgoings to reach financial independence, ie able to live off the return of savings or rental properties without the use of traditional pensions. The salesman's savings plan will allow him to retire at 47…

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Telegraph Money

@MoneyTelegraph

9 months

HM Revenue & Customs has been (quite rightly) under fire in recent months from MPs, the courts and ordinary taxpayers

HMRC holds itself to four standards – and it is failing on each one

Department's failings extend well beyond its poor customer service standards

www.telegraph.co.uk

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Telegraph Money

@MoneyTelegraph

3 years

❓ Where has Nick invested? ❓ What other tips would he give? ❓ What does he plan to do post-retirement? Read @Jessica__Beard 's profile in full 👇

‘I travel the world, won’t inherit a penny but will retire at 47 – this is my plan’

Extreme saver Nick Marsh is on course to turn his £75,000 Isa into an 'everlasting pot' of £900,000

www.telegraph.co.uk

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Telegraph Money

@MoneyTelegraph

3 years

💻The reliable risers: IT and property 🗣️Matt Weston of the recruitment agency Robert Half said: "The jobs market is flying at the moment. The demand for people is far higher than supply"

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Telegraph Money

@MoneyTelegraph

2 years

🔄 With 2m+ people successfully securing a new job this summer, there has never been a better time to change career. But beware: the jobs market isn't the same as it was pre-pandemic. Here's what you need to know (a #thread 👇)

Five charts you need to see before changing career

telegraph.co.uk

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Telegraph Money

@MoneyTelegraph

3 years

2️⃣ Slashing the lifetime allowance The Treasury is also mulling cutting to the pensions lifetime allowance from £1,073,100 to as low as £800,000. The allowance places a limit on how much savers can put into pension pots tax free…

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Telegraph Money

@MoneyTelegraph

4 years

4️⃣ How much can you expect to earn? Finance and insurance roles still come out top, with workers seeing average pre-tax earnings of £67,000 a year 👇 Jobs in mining, chemical manufacturing and science also top the charts, with annual earnings of £60,000, £44,000, and £38,500…

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