BREXIT negotiators on both sides are still trying to thrash out an exit deal that everyone will be happy with - and it's easier said than done. Today Theresa May will set out more options to her divided Cabinet, with the hope of getting something signed off within weeks or we face No Deal. No10 sources say that sealing a withdrawal deal is unlikely at all this week, but Mrs May is set to redouble efforts to get an agreement under wraps soon, so there's enough time for MPs to vote on it. If enough progress is made, then a special summit could be hosted within weeks to sign the paperwork and get ready to leave the EU next March. After that there will be a 21-month transition period while a long-term trade deal is sorted out. But there's still huge gaps between the teams on the back-up Brexit plan for Northern Ireland, which would kick in in the event of no trade deal being signed. So what are the options and what might they mean in reality?What is the Northern Ireland backstop? The … [Read more...] about What are the new Brexit options and could they work?
What are the penalties for not paying taxes
It's important to know how the law permits you to use your phone when you're driving. Clearly, it is against the law and dangerous to hold a phone while driving. But you may have questions around the many different scenarios that can arise while you're in your car, for example, while you're stationary at traffic lights or a McDonald's drive-thru. Are there rules around using your sat-nav? Or any instances when you can use your hand-held phone in the car? Can you legally use your phone as a sat-nav? And if you do break the law, what are the penalties? This article should answer any question you have around the subject. Using a phone or sat-nav when driving The law is clear. It is illegal to hold a phone or sat-nav while driving or riding a motorcycle. You must have hands-free access, such as: a bluetooth headset voice command a dashboard holder or mat a windscreen mount a built-in sat nav However, there are more factors to bear in mind even if you have hands-free access. Firstly, the … [Read more...] about The definitive laws on using your phone while driving
Savers are bamboozled by the mass of complex accounts currently on offer. Three-quarters of people say banks should stop all the gimmicks and make savings accounts easier to understand. People are feeling overwhelmed by the sheer number and types of accounts. They don’t understand how bonuses work, and they want new and existing customers to get the same return on their cash, according to a new report from Ford Money. As a consequence, more than a quarter of savers don’t know the interest rate they are getting, and almost one in ten with a fixed-rate account has been slapped with a withdrawal fee. There are too many savings products, some with confusing titles and a list of terms and conditions as long as your arm – no wonder most people don’t know where to put their cash to get a good deal. The ideal situation is to have a mix of savings accounts – an instant access account for your everyday money or emergency fund, a lump sum in a fixed rate bond and … [Read more...] about How to pick the perfect savings account and what all the terms really mean
NEARLY two-thirds of British drivers still don't know the penalty for using a mobile phone while driving. Only 30 per cent are aware of the £200 fine and six penalty points despite the law changes coming into force almost a year and a half ago. A recent study conducted by the RAC found that the majority of drivers have no idea about the harsh consequences of using their phone while driving. And of those drivers who still use their phone behind the wheel, 89 per cent thought it was fine because they did it while they were on their own in the car. Bizarrely, 78 per cent said they still continued to use their phone despite worrying they will get caught by police, while 23 per cent thought they could still drive safely while on the phone. Mobile phone use was responsible for more than 2,200 traffic collisions from 2012-2016, prompting harsher penalties to be introduced in March 2017. The study also found that 31 per cent of drivers think penalties need to be increased even more … [Read more...] about Almost TWO-THIRDS of motorists still don’t know the penalty for using a mobile phone while driving
With more than £75bn invested in them, Premium Bonds are believed to be Britain’s most-popular savings product. Premium Bonds – launched by Harold MacMillan’s government in 1957 to boost post-war savings – is one of several savings schemes offered by NS&I, which is backed by the Treasury. Strictly speaking, Premium Bonds are not savings products. They don’t pay interest. Instead each £1 invested buys a unique number which is entered into a monthly prize draw. A machine nicknamed Ernie randomly selects winners, who can receive from £25 to £1m. There is at least one £1m prize winner each month, who will be visited by “Agent Million” in person. Prizes are tax free, there are no penalties for cashing... To continue reading this article Start your free trial of Premium Access all Premium articles Subscriber-only events Cancel any time Free for 30 days then only £2 per week … [Read more...] about Premium bonds: how do you buy them and what are the chances of winning?