New ways of investing are cutting out the middleman. That’s great news, says Merryn Somerset Webb. It should make things cheaper, and help restore trust in the financial industry.
If you’re after tax-free dividend payments in your retirement, you won’t get them in a pension. You’re better off with an Isa, says Merryn Somerset Webb.
Housebuilders are building the smallest, meanest properties they can get away with. That needs to be fixed – by regulation if necessary.
Germany’s system of inheritance tax encourages family businesses to grow and thrive. Ours does exactly the opposite, says Merryn Somerset Webb.
RBS was set up with money paid to persuade Scotland to enter a union with England after its Central American empire-building scheme failed.
Most economists seem confident inflation will fall gently to 1%. Their confidence is probably misplaced, says Merryn Somerset Webb.
Charities do vital work in Britain. But having too many of them is pointless and diverts money away from core services.
Scotland’s ‘Yes’ campaign is obsessed with ‘free’ childcare. But it’s not free, it’s funded by taxpayers.
There is a lot of complacency about the Scottish independence referendum. But breaking up the union will mean huge changes for the rest of the UK. By no means all of them good.
Any attempt to simplify the tax system is welcome. But merging income tax with National Insurance will be far from easy, says Merryn Somerset Webb.
A mansion tax may not be designed to distort Britain’s housing market, says Merryn Somerset Webb. But that’s exactly what it will do.
As Wonga demonstrates, it isn’t easy identifying firms in the financial services sector that are not just simple in their businesses and transparent in their charges, but honest too.
There’s no real need for anyone to get to London faster than they already do. But high-speed rail in the north of England would make a lot of sense.
No matter what words you want to use, voting for an independent Scotland means separating from the rest of the UK.
A state-backed equity release scheme should be the first step in the rollback of the payment of taxpayer-funded welfare to people who could actually finance themselves.