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Presidents Of Mount Rushmore Look Highly Concerned On New York Daily News Cover

The four presidents carved into the face of Mount Rushmore look extremely concerned on the front page of the New York Daily News’ Saturday edition.

“HAPPY FOURTH?” the tabloid asked alongside the edited image in a dig at President Donald Trump’s Independence Day celebration at South Dakota’s Mount Rushmore National Memorial on Friday night.

“Don in Mt. Rushmore madness,” the newspaper wrote of Trump’s speech, during which he railed against “cancel culture” and “far-left fascism” in front of supporters, many not wearing masks or adhering to social distancing measures aimed at slowing the spread of the coronavirus.

The Daily News has used multiple eye-catching front pages to call out the Trump administration’s handling of the pandemic that’s now claimed the lives of more than 130,000 people nationwide.

The paper’s previous covers have called Trump a “bleach bum” for pondering injecting disinfectant to treat COVID-19 (which he later claimed was a sarcastic suggestion), muzzled him with a mask over his refusal to wear one in public and given him bunny ears over his plan to reopen the economy by Easter.

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Donald Trump’s ‘Put The Wrong Person In Office’ Warning Used Against Him In New Ads

President Donald Trump’s warning this week against putting “the wrong person in office” has already come back to haunt him in the form of two attack ads.

“You put the wrong person in office, you’ll see things that you would not have believed are possible,” Trump cautioned about the economy at the “Spirit of America” business showcase event at the White House on Thursday.

Trump’s rhetoric was turned against him in spots released separately Friday by presumptive Democratic nominee Joe Biden’s campaign and the progressive PAC MeidasTouch.

Both ads brought to attention the Trump administration’s fumbled handling of the coronavirus pandemic, with new cases spiking in multiple states, and the president’s vitriolic rhetoric about anti-racism protests that spread nationwide following the police killing of George Floyd in Minneapolis in May.

The MeidasTouch ad also asked viewers to declare independence from Trump this Fourth of July:

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Mortgage free: Homeowner reveals how they paid off mortgage at 47

Mortgage free status is celebrated as a significant achievement, particularly as the debt is very difficult to meet. However, many people aspire to own their own home, and are looking for the best ways in which to do so. A mortgage loan is secured against the value of a home until it is repaid over a number of years.

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Traditionally, this term usually stands at 25 years or more, with regular payments expected to meet the goal.

For this reason, most Britons spend the majority of their adult lives paying off their mortgage.

But for one forward-thinking homeowner, the plan to become mortgage free was a journey he wished to embark upon sooner rather than later.

While some are happy to spread the cost of their repayment, this homeowner was keen to pay off the mortgage as soon as possible.

Taking to the website Reddit just last year, the user revealed their homeownership journey.

The savvy mortgage free saver stated they are 47, married, with two teenage children.

Aside from their mortgage, they had put aside £250,000 in a private person pot while working in a high demand industry. 

The value of their home was £700,000, and they aimed to pay the remaining £193,000 of their mortgage arrangement over four years. 

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They wrote: “I put every bonus and savings into the mortgage for the last four years.

“I do not live frugally, I spent £20k on a holiday last year, but I drive a modest car and try to be careful on unneeded expenditure.

“I became addicted to paying off the mortgage and tracking in spreadsheets.

“I largely lived without an emergency fund, and when emergencies did come, I’d either use some of my mortgage money or take short loans with my bank at around £5,000 which was paid back without accruing much interest.

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“Why did I pay off my mortgage and not invest with a higher return? I equate the stock market with gambling and I do not like it one bit.

“Also I don’t know how much longer I will earn this kind of money, mortgage free seemed like a good idea. I wanted flexibility and peace of mind.”

The fortunate homeowner is now planning for the future.

They now hope to spend some money on property, followed by building extra cash towards eventual retirement. 

Britons can plan to pay off their mortgage in several ways.

Perhaps the most popular option is overpayment, where each monthly payment is higher.

However, it is important to be aware of charges which may be incurred through this method. 

Mortgage terms can also be shortened, however, this means increased payments over a shorter period of time.

Britons are encouraged to check their financial capability before making any steps to pay off a mortgage earlier than the standard term. 

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Why an early exec quit unicorn food delivery startup Deliveroo to launch a food business in the middle of a pandemic

  • A former Deliveroo exec has launched a market food hall startup in the middle of COVID-19.
  • Dan Warne was managing director of the unicorn startup until 2019, but has now launched Sessions Market as a community food hall concept to rejuvenate UK towns after the pandemic.
  • Warne says he hopes to bring his experience from Deliveroo, particularly about customer behavior, to the analogue world of food halls.
  • The first venue, Shelter Hall on Brighton seafront, launches July 4.
  • Visit Business Insider's homepage for more stories.

On Saturday, the UK's bars, restaurants, and cinemas will fling their doors open to customers for the first time since a strict lockdown commenced in late March.

Given continued public health concerns around the coronavirus pandemic, it might be unwise to open a new food business right now.

But Dan Warne, a former high-level executive at British unicorn startup Deliveroo, has launched Sessions Market, a series of community-orientated food halls that will try to regenerate the UK's town centers. 

Warne joined delivery startup Deliveroo in 2014 as its twelfth employee, and he left in 2019. His job was to help scale the company, which was then only operating in the central part of London.

Over the five years Warne spent as Deliveroo's managing director, he helped to grow the startup into a tech unicorn worth billions. Deliveroo in 2019 raised $575 million in a funding round led by Amazon, and one source close to the food delivery startup estimates its valuation at more than $3 billion.

"From the moment I joined Deliveroo, I saw that as a stepping stone so ultimately being able to launch my own thing and that's this," said Warne. "There are lots of parallels to Deliveroo … It's a platform, albeit a physical one, but it's a platform that has to choose the very best restaurants and manage those restaurants in the right way."

Sessions Market's first venue, Brighton's Shelter Hall, is opening on July 4 and will bring together local restaurants to provide an upmarket dining experience.

Sessions will provide all the digital and capital infrastructure in exchange for a commission, so that the restaurants don't have to invest anything upfront. To comply with social distancing measures, customers will be able to order takeaway food from outside via an app, or served at the tables inside by staff. 

Having launched Deliveroo's Editions business — a network of delivery-only kitchens — in 2017, Warne understood the restaurant market and was well-versed in the capital infrastructure investments needed to build venues like Shelter Hall. But, launching a food hall has been a new experience.

"There is an incredible amount to learn in a short period of time … so we've had to bring in the right experience and the right staff in those areas," said Warne. "On the flip side of that, [coming from a different area], you bring perhaps a different perspective to the industry and you can apply some of the learnings that you get from working in the technology business to a bricks-and-mortar style business."

He hopes to leverage his experience of customer data at Deliveroo, bring a digital twist to the otherwise still-analogue food industry.

"We obsessed about customer data at Deliveroo," said Warne. In the restaurant industry, "of course they're obsessed by the customer, but they don't have the data to really model that customer behavior in quite the same way".

Warne wants to change that.

He hopes to track customers on the platform — from how they were acquired to what, where, and how they consume.

Over time, he believes this will help the startup evolve to reflect what customers want. That's why Warne tells investors he doesn't need to know what a food hall will look like in five years' time — often a question put to founders about their sector by venture capitalists.

"I don't need to know that because I'm going to enable this business with technology that affords me a deep understanding of consumer trends," he said. "I will flex it and move it with those trends in the same way that Netflix will serve the content before you really know that you want it."

He also hopes his experience helping to grow Deliveroo into a unicorn tech platform will help him to scale his new startup. 

"It's harder to figure out precisely how to scale it in the tech kind of way, where you don't need to be finding property," said Warne.

Warne plans to lease the Sessions brand out to third-party venues, in a similar way to successful pop-up gig startup Sofar Sounds. He likened this to Deliveroo, Uber Eats, and restaurants creating virtual restaurant brands that only serve delivery apps.

He said: "If you come up with brands that you want to run virtually across multiple different kitchens across the country, it helps if you can test them in front of a consumer in a live environment, which is something that we have." 

At a time when a lot of the hospitality industry is struggling, Warne hopes a venue that provides the necessary digital infrastructure to comply with social distancing measures and allows restaurants to avoid long-term lease arrangement will have a clear appeal.

"It's a model that's very well conditioned to this environment: it is highly supportive and conducive to helping some of these businesses get back on their feet," said Warne. "If you are concerned about keeping a distance from others, well you can order through our technology outside and just have it come to a window and pick it up and eat it on the beach a long way from anyone else."

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Donald Trump Jr.'s girlfriend Kimberly Guilfoyle tests positive for COVID-19

  • Former Fox News host Kimberly Guilfoyle has tested positive for COVID-19, multiple media outlets reported.
  • Guilfoyle is currently dating President Donald Trump's eldest son Donald Trump Jr. and is a frequent surrogate and senior adviser for the Trump 2020 campaign.
  • Guilfoyle reportedly tested positive in South Dakota before she was slated to attend Trump's Independence Day fireworks celebration at the Mount Rushmore National Memorial. She is currently self-isolating and will cancel all upcoming events.
  • Trump Jr. has tested negative for the disease but will self-isolate and cancel scheduled events as well as a precautionary measure.
  • The former Fox News host tested positive for coronavirus after attending two Trump rallies in Tulsa, Oklahoma, and Phoenix, Arizona, both of which had no social distancing or mask requirements.
  • Visit Business Insider's homepage for more stories.

Kimberly Guilfoyle, the former Fox News host and a senior adviser to the Trump campaign, has tested positive for the novel coronavirus, a person familiar with her condition told The New York Times.

Guilfoyle is currently dating President Donald Trump's eldest son Donald Trump Jr. and is a frequent surrogate for the president on the 2020 campaign trail. She is also the national chairwoman of the Trump Victory Finance Committee and oversees fundraising for the president's reelection campaign.

CNN reported that Guilfoyle tested positive in South Dakota before she was slated to attend Trump's Independence Day fireworks celebration at the Mount Rushmore National Memorial. According to The Times, Guilfoyle and Trump Jr. did not travel on Air Force One, and she was reportedly the only person in the group who tested positive.

"After testing positive, Kimberly was immediately isolated to limit any exposure," Sergio Gor, the chief of staff for the Trump Victory Finance Committee, told CNN. "She's doing well, and will be retested to ensure the diagnosis is correct since she's asymptomatic, but as a precaution will cancel all upcoming events."

Gor added that Trump Jr. has tested negative for the disease but is self isolating and also canceling all public events as a precautionary measure.

A source told CNN that Guilfoyle has not recently been in contact with the president, but she attended his rally last month in Tulsa, Oklahoma, where she stood backstage. She was also in Phoenix, Arizona, for Trump's event with Students for Trump. Both events were indoors, there was no social distancing, and masks were not required.

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Universal Credit UK: Britons could qualify for extra payment in these circumstances

Universal Credit is currently administered and issued by the Department for Work and Pensions (DWP). Eligible claimants can expect to receive their benefit entitlement once every four weeks, and can check their claim through the government’s online portal. Under the current rules, Universal Credit is split into two main tiers.

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All Universal Credit claimants will be entitled first to a standard allowance, which is based on a person’s age and relationship status.

Those who are single and under 25 are entitled to £342.72.

But single people who are over the age of 25 are likely to be entitled to £409.89 in Universal Credit.

People in a couple under 25 get £488.59 to split between them and couples over 25 could receive £594.04.

However, the second potential element of Universal Credit is additional amounts payable to certain Britons.

This part of Universal Credit varies the entitlement amount from person to person, and so it is important to check the money to which a person could be entitled.

The first additional payment is for those who are currently raising children in the UK. 

If a person has one or two children they will receive an extra amount for each child, but those with three or more children will get an extra amount for at least two children.

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This extra amount is only the case if their children were born before April 6, 2017, or more than three children were already being claimed for before April 6, 2017.

A first child born before April 6, 2017 can receive £281.25, but for first children born on or after this date, the amount decreases to £235.83.

Any other children will entitle a claimant to £235.83 per child. 

And extra help is provided for those who have disabled or severely disabled children with an extra monthly payment of £128.25 or £400.29 dependent on circumstance. 

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Another factor which may also entitle people to an additional payment is having a disability or health condition.

The government varies this amount dependent on the person’s capability to work.

Those with a limited capability for work and work-related activity could get £341.92.

And those who care for someone who is severely disabled will also be provided with additional financial assistance.

If someone provides care for at least 35 hours a week for a person who is currently receiving a disability-related benefit, they can receive £162.92 per month.

This is, on top of any extra amount a person gets if they have a disabled child.

There is also help available for those who need assistance with housing costs, but once again this is dependent on circumstances. 

To be eligible to receive Universal Credit, Britons must fit a particular criteria.

They must be over the age of 18, but under State Pension age, live in the UK, and have £16,000 or less in savings. 

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Hong Kong officials 'very disappointed' at Canada's move to suspend extradition pact

  • Beijing imposed a new national security law this week on the former British colony, despite protests from Hong Kong residents and Western nations, setting China's freest city and a major financial hub on a more authoritarian track.
  • "The Canadian government needs to explain to the rule of law, and explain to the world, why it allows fugitives not to bear their legal responsibilities," Hong Kong's security chief, John Lee, told a radio program on Saturday.
  • On Saturday's program, Hong Kong Justice Secretary Teresa Cheng said she was disappointed and expressed extreme regret over Canada's move, adding that she thought it could probably violate international law.

Senior officials in Hong Kong said on Saturday they were "very disappointed" at Canada's decision to suspend its extradition treaty with the Chinese-ruled city and again slammed Washington for "interfering" in its affairs.

Beijing imposed a new national security law this week on the former British colony, despite protests from Hong Kong residents and Western nations, setting China's freest city and a major financial hub on a more authoritarian track.

"The Canadian government needs to explain to the rule of law, and explain to the world, why it allows fugitives not to bear their legal responsibilities," Hong Kong's security chief, John Lee, told a radio program on Saturday.

Lee was very disappointed and strongly opposed Canada's move, he added, as it let politics override the rule of law.

The comments followed Canada's statement on Friday that it was suspending the treaty with Hong Kong in the wake of the new law and could boost immigration from the city.

Canada would also bar the export of sensitive military items to Hong Kong, Prime Minister Justin Trudeau told reporters.

On Saturday's program, Hong Kong Justice Secretary Teresa Cheng said she was disappointed and expressed extreme regret over Canada's move, adding that she thought it could probably violate international law.

On Friday, a Hong Kong government spokesman described as "totally unacceptable" a bill passed by the U.S. Senate to penalize banks doing business with Chinese officials who implement the new law. 

"We reiterate that any 'sanctions' imposed under the act will not create an obligation for financial institutions under Hong Kong law," the spokesman said in a statement.

He urged the United States to immediately stop interfering in Hong Kong's internal matters, adding that Beijing, as well as the city's government, could take counter-measures when needed.

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Leaders Across The U.S. Urge Mask-Wearing Ahead Of July 4th Holiday

Leaders throughout the United States are urging Americans to don face masks as the July 4th holiday weekend approaches amid a surge in coronavirus cases across much of the country. 

“The virus does not take a holiday,” New York Gov. Andrew Cuomo (D) said in a statement this week. “The bottom line is be vigilant and stay safe while enjoying some time outside.”

Guidance from state and local leaders is largely the same: The coronavirus crisis is far from over. An even higher spike in cases is at stake if people flock to beaches, pools and July 4th parties without taking precautions, like wearing masks, practice social distancing, keeping gatherings small and holding them outdoors, where the virus is transmitted less easily.

Some are also calling facial coverings “patriotic” ― a response to a minority group of critics who say masks impede their American freedoms.

“As we talk about Fourth of July and independence, it’s important to understand that if we all wear these, we will actually have more independence and more freedom because more places will be able to stay open. We’ll have less spread of the disease,” Surgeon General Jerome Adams said Friday.  

“The patriotic thing for us to do is to take care of our fellow Americans,” Washington state Lt. Gov. Cyrus Habib said on Twitter. 

“Lets help our neighbors and families and remain patriotic by wearing a mask for ourselves and others around us,” Florida Rep. Donna Shalala (D) wrote in a tweet.

In California, which has rolled back reopenings for bars and restaurants, Gov. Gavin Newsom (D) launched a large, multilingual public awareness campaign around masks. “People can die. People like your mom,” says one video, showing a person struggling to breathe on a ventilator.

Texas Gov. Greg Abbott, a Republican, issued an order shortly before the holiday instructing everyone in the state to wear a face covering, which came as a sharp reversal of his previous stance and one that indicates how bad the crisis has become there. Louisiana Gov. John Bel Edwards (D) warned July 1 that his state had already lost the ground it gained in the second half of June and risked even more COVID-19 cases if people do not wear masks. He even told Louisianans not to visit reopened businesses if they aren’t taking the appropriate precautions. 

“I’m urging the general public: Don’t patronize businesses that are not conducting themselves in a safe manner,” Edwards said. 

President Donald Trump ― who typically eschews face coverings even though officials say his wearing one could send a strong message to his supporters ― changed his tune on masks in the days before July 4th. 

“I’m all for masks,” Trump said on Fox Business this week before going on to falsely predict the disease will just “disappear.” 

The president is still averse to mask mandates ― worrying Washington, D.C., Mayor Muriel Bowser due to the huge fireworks display he planned for the holiday weekend. Bowser, who lacks the authority to tell people what to do on federal land, where the display is taking place, urged people to practice social distancing and wear masks nonetheless.

While the efforts to contain the virus have been largely successful in areas that were hit hardest in the beginning of the crisis, other states that initially had few COVID-19 patients are seeing rapid increases in reported cases and hospitalizations as businesses have been allowed to reopen. Many Republican states have also shown reluctance to cross Trump, who has generally worked to downplay the threat of the virus.

Although messaging around mask use has varied around the country since the coronavirus crisis began, public health experts overwhelmingly agree that they are key to curbing the spread of COVID-19. When worn properly, masks intercept any tiny droplets ― which could contain the coronavirus ― that human beings expel from their mouths and noses when coughing or just simply talking. The droplets are now thought to be the primary way that the virus spreads.

People can start spreading virulent droplets in the days before they show symptoms, and many never experience symptoms at all, so the masks and distancing are important even if you feel fine.

Last week, the Centers for Disease Control expanded the list of symptoms to look out for to include nausea, diarrhea and congestion or runny nose.

CORRECTION: A previous version of this story incorrectly identified Louisiana Gov. John Bel Edwards as a Republican. He is a Democrat.

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Donald Trump Jr.'s Girlfriend Kimberly Guilfoyle Tests Positive for Coronavirus


Kimberly Guilfoyle, an adviser to to President Donald Trump's re-election campaign and the girlfriend of his son Donald Trump Jr., has contracted the novel coronavirus, PEOPLE confirms.

Citing a source, The New York Times reported that Guilfoyle, 51, tested positive on Friday ahead the president's planned speech at Mount Rushmore for a Fourth of July celebration.

Though the former Fox News host flew with Don Jr., 42, according to the Times, they were not aboard Air Force One with the president. They are expected to drive back home.

In a statement, campaign aide Sergio Gor said: "After testing positive, Kimberly was immediately isolated to limit any exposure. She’s doing well, and will be retested to ensure the diagnosis is correct since she’s asymptomatic but as a precaution will cancel all upcoming events."

Don Jr. tested negative, said Gor, chief of staff to the campaign's finance committee.

Still, Don Jr. was self isolating as a precautionary measure "and is canceling all public events," Gor said.

(The Trump campaign did not provide further comment.)

The president's Mount Rushmore appearance was his first significant public event since a re-election rally on June 20 in Tulsa, Oklahoma, where multiple campaign staffers and Secret Service agents contracted the coronavirus.

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Pension tax relief may be on the agenda ahead of autumn budget – will Rishi Sunak act?

Pension contributions can eventually receive tax relief from the government, which is provided to encourage long term planning. Under current rules, a person can get tax relief on up to 100 percent of their annual earnings.

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However in practice, the relief offered can be impacted by things such as earnings, age and gender according to the Pensions Policy Institute.

In a recent report, the institute found that despite the fact that those earning less than £30,000 a year make 63 percent of all pension contributions, they are only receiving 24 percent of total tax relief.

On top of this, it was found that men are receiving a disproportionate amount of total tax relief available and those who are older or earning more get more beneficial tax relief results.

The report was wide ranging but to rectify some of the issues found, PPI detailed that a flat rate of tax relief could equalise the playing field somewhat.

The report caught the eye of experts within the field and Penny Cogher, a Pensions Partner at Irwin Mitchell, detailed that the timing could be fortuitous given coming commitments: “The PPI’s Briefing Note 122 on tax relief on defined pension contributions has been issued in good time for the Chancellor to mull over before his main autumn budget.

“We already know that this Chancellor has an imaginative approach and this is exactly what is needed to push forward the reform of pension tax.

“The PPI seem to conclude that the current system is not good for purpose in many areas. Men in employment disproportionately benefit from the current pension tax relief system compared to women – they get 71 percent of the value of this tax relief and account for 69 percent of the contributions.

“This reflects current society- there are more men in employment at higher income levels whereas women take more time away from work for family reasons and overall earn less.

“There is also age difference in who receives the most benefit from our current tax relief system which again leads to questions of its cross generational fairness.

“Around two thirds (67 percent) of the value of tax relief on DC pension contributions goes to individuals aged in their 40s and 50s, two and a half times as much as the amount obtained by those in their 20s and 30s.”

Penny went on to examine the complicated nature of changing pension rules to create a more even landscape: “Interestingly our current system is so complex that the PPI conclude there is a very large gap between the actual cost of pension tax relief and the amount that could be claimed. This gap has been estimated at more than £750million.

“This covers both the higher and additional rate taxpayers who need to make claims through self-assessment tax returns and also the poorest i.e. the non-tax payers who have relief at source. Simplifying the system would help to ensure that more people do not miss out in this way.

“However there is still the need for some fundamental change to make the system fairer for all. Even with automatic enrolment, the proportion of pension tax relief going to those earning less than £30,000 has only increased from 23 percent to 24 percent despite the proportion of claimants increasing from 52 percent to 63 percent but the overall cost of this tax relief has more than doubled in the last 20 years.”

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Neil Hugh, the Head of Proposition at Phoenix Group, also commented on this, noting that if changes are to be made, all the relevant players will need to be consulted: “Changes made to the pension tax relief system over the years have made it very complex for savers.

“It is clear that reform is needed, but this must be done in full consultation with our industry and across both the defined benefit and defined contribution pension system arrangements in order to make things simpler for savers.

“The PPI’s report highlights that a flat rate of relief may help to simplify the system, which in turn could lead to greater engagement with pension saving.

“However, while the aim of reform should be to simplify, implementing any change is itself likely to be complex and needs to be properly considered and consulted upon.

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“At a time when millions more people are successfully saving through automatic enrolment, it’s crucial that the pensions taxation system continues to reward savers for doing the right thing and putting money aside for their futures, which is even more important given today’s challenging economic environment.”

The difficulties in taking action in this area was also addressed by Steve Butler, the Author of “The Midlife Review: A Guide to Work, Wealth and Wellbeing”.

He agreed that there is a clear case for introducing a flat rate: “Although there is a strong case for the implementation of a flat rate of pensions tax relief, to remove some of the inequalities in the current system such is the pension gender gap, it is not without its challenges.”

He found that the challenges can mainly be found in three distinct areas:

The difference for employees and employers

As he explained: “Firstly, taxation of pension contributions is treated very differently for employers and employees, so any change to employee taxation needs to consider changes to the taxation for employers to avoid any unintended consequences.”

A flat rate introduction could also interfere with another pension arrangement, which would need to be addressed:

Salary sacrifice

“Secondly, many employers offer salary sacrifice arrangements under which employees ask their employer to pay contributions on their behalf, in return for a cut in salary.

“If a flat rate scheme was introduced this arrangement would need to end, otherwise those using salary sacrifice would, essentially, still benefit from full tax relief.”

Steve concluded by identifying holders of (already struggling) defined benefit schemes would also need to be taken care of:

Defined benefit pension schemes

“Finally, and most significantly, is how a flat rate of tax relief would be applied to defined benefit pension schemes.

“If overall tax relief on employee contributions fell, employer contributions would probably have to increase to enable the same benefit to be paid out.

“This would be on pension’s scheme that many employers are already struggling to support.

“These challenges should not stop the debate around the introduction of a flat rate of pension tax relief but, they certainly need to be considered before any progress can be made about changes to pension taxation if it is to achieve what it set out to do.”

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