Today I had a call regarding my SVT and from the information that I provided and with Christmas / New Year coming up, he has extended the medication into early January.
The main issue was still a clot on inside of the left knee. It wasn’t causing me pain, but there was a still a lump there.
This morning I did a survey regarding Lords, I did mention that it was great to be able to walk on the ground after the test match and that I did this after the 1983 World Cup final.
It would be good if they could allow this more. We’ll see.
Today I did my DBS check as it had expired, this allows me to do my extras work, especially if there are children in show.
The turnaround is always quick, even though it says 10 days, I was updated later in the day.
Claire today picked up her new IPhone 16 from EE.
So after all these years, I upgraded my IPhone 8 to her 14 that she handed down.
The moving all the apps and details from one phone to another was so easy and was done in less than hour.
Today I received a document regarding the Budget from my financial advisor.
This is some of the feedback.
“The first Budget from a Labour government since March 2010, and the first ever from a female Chancellor, proved to be the defining event that had been widely anticipated.
From the moment in late July when Rachel Reeves unveiled her “£22 billion black hole” and announced means-testing for the winter fuel payment, it was clear her Budget premiere would be a challenging one for both the government and the governed.
As Budget Day neared, talk of the black hole was replaced by a steady flow of rumours about tax increases and also, to a lesser extent spending cuts, totalling as much as £40 billion. In addition, there were suggestions that government borrowing – already overshooting the March 2024 Budget projections by around £7 billion – would rise by £20 billion to fund NHS and infrastructure projects.
In the event, the Chancellor delivered tax increases amounting to £41 billion by 2029/30. By far the largest element of this was the expected rise in employer’s national insurance contributions (NICs). The 1.2 percentage point rate increase, combined with a £4,100 cut in the secondary threshold will yield nearly £25 billion a year by 2028/29. At that level it more than counters the cost of the cuts to employee and self-employed NICs introduced by Jeremy Hunt.
Other significant tax increases included higher capital gains tax rates and a future reduction in inheritance tax business and agricultural reliefs. Despite the additional revenue, the Office for Budget Responsibility (OBR) projects that increased spending will mean that borrowing will still be over £70 billion in 2029/30. Not without reason does the OBR say, “…this Budget delivers a large, sustained increase in spending, taxation, and borrowing”
Budget highlights
The main rate of class 1 employer national insurance contributions (NICs) will be increased from 13.8% to 15.0% with effect from 6 April 2025 and the secondary threshold at which NICs are payable will be reduced from £9,100 to £5,000.
The main rates of capital gains tax will increase with immediate effect to 18% for non and basic rate taxpayers and 24% for higher and additional rate taxpayers. The rate for business asset disposal relief will rise to 14% for 2025/26 and 18% from 2026/27.
Inheritance tax (IHT) business and agricultural 100% reliefs will be capped at a combined total of £1 million from April 2026. Above that, the rate of tax relief will be 50%. However, the cap will not apply to AIM shares which will just qualify for 50% relief.
Unused pension funds and death benefits will form part of a person’s estate for IHT purposes from 6 April 2027.
The additional SDLT rate for second homes and buy-to-let properties increases from 3% to 5% from 31 October 2024. The temporary increases in the 0% SDLT band for first time and other property buyers will end on 31 March 2025.
VAT at 20% will be applied to private school education and boarding services from 1 January 2025. From 1 April 2025, charitable relief for business rates will be withdrawn.
Subscription limits for individual savings accounts (ISAs), Junior ISAs and Lifetime ISAs will be frozen until April 2030.”
From a previous posting in my blog, it just shows no one really saw what was coming in this budget and how can such a big black hole appear in the governments accounts, that should never happen, who is auditing them?
Overall I don’t see much of an impact on me apart from a rise in stuff to pay for the employer national insurance contributions increase, which I can only see will impact worker’s pay rises and taking on new staff. As is normal, it’s the general public that will suffer.
Though I haven’t done any coaching this year, I decided to still renew by ECB safe guarding DBS.
So that I’m cleared if I do next year.
Leeds United 2 – Sheffield United 0 – HT 0-0
P. Struijk (69′),
Mateo Joseph (90′)
Assists –
J. Rothwell (69′),
J. Piroe (90′)
Venue: Elland Road Attendance: 36,695
A big night in Yorkshire, with a local derby against Sheffield United, plus one of the form teams of the league at the moment too.
We haven’t lost a Yorkshire derby for 15 matches now, so we want that to continue.
Leeds United moved up to second in the Championship with a deserved 2-0 win over Yorkshire rivals Sheffield United at Elland Road.
Both sides paid tribute to former Blades defender George Baldock before the match after his death at the age of 31 last week.
Largie Ramazani and Brenden Aaronson had good chances for Leeds in a goalless first half that the hosts had dominated.
Daniel Farke’s men continued to have the upper hand after the break and were rewarded when Pascal Struijk blasted in from a 69th-minute corner as the Blades conceded for the first time in more than 11 hours.
Substitute Mateo Joseph sealed the derby success with a 90th-minute second goal as he finished well from Joel Piroe’s pass.
The victory meant Leeds leapfrogged the Blades on goal difference with both sides having 19 points as Chris Wilder’s men lost for the first time in the league this season.
Big victory tonight and it sounded like we played well as well. We need to keep winning the home games and pick up points away from home when we can. Come on Leeds.
Marching On Together.
League position 2nd after 10 games – After 10 games last season, Leeds were 6th.
When I came out of Asda’s and was walking back to the car, I noticed the full (Hunter) moon and thought let’s see if can take a picture.
When I took the picture, I noticed a sea gull sitting on a lamp post and was able to capture that with the moon.
What do you think of the picture?
This morning I did another Health Insight Survey.
This time I actually had input to enter, as I have had to use the NHS in the last month, which for the most part was very good, considering all the pressure they are under.
I received an email regarding new rules regarding money and scams.
The main points are these.
“From the 7 October 2024, we’ll be following new rules for Authorised Push Payment (APP) fraud.
Just to recap – APP fraud is when you believe you’re making a genuine payment but are tricked into sending money to a criminal.
What it means for you if you fall victim to APP fraud
We’ll reimburse your payments up to £85,000, if they’re eligible and are made after the 7 October 2024. The rules include most Faster Payments and CHAPS made in the UK.
If your claim is successful, we’ll put your money back into your account within 5 working days. If we reimburse you, we may not pay the first £100 per claim. This is called an excess. For example, if you raise a claim for £1,000 then we could reimburse £900.”
I find it interesting that they might take £100 if you get your money back and why was this email sent after the rule came into place and not before.
