Money
Seven pension changes that could come in the autumn Budget
THE Labour government will deliver its first budget on Wednesday, October 30.
Prime Minister, Keir Starmer has already warned that the Autumn Statement will be “painful”, leading to widespread speculation around what changes lie ahead.
Experts say that pensions might be a key target for Rachel Reeves at the speech – which is being called a Budget, as it is the party’s first fiscal speech since the election – particularly since the Chancellor spoke about a £22billion black hole in the UK’s finances.
Already, pensions companies are seeing people withdraw money from pensions, amidst concerns that the government will change the goalposts.
However, financial commentators are warning people not to make rash decisions now, as it could significantly impact your financial future.
Michael Summersgill, chief executive at finance firm AJ Bell, said: “Constant rumour and speculation about the future of retirement tax incentives are hugely damaging.
“People are taking financial decisions in part based on pre-Budget speculation and it chips away at people’s confidence in pensions generally.
“Almost 100% of advisers we surveyed said they’ve dealt with tax and pension queries from clients concerned about the Budget, with a third saying they had seen an increase in clients wanting to take tax-free cash in anticipation of a pensions tax raid in the Budget.”
Shane Julian, managing director and financial planner at Brancaster House Financial Planning added: “Our advice to consumers ahead of the Autumn Budget is to not get caught up in speculation… It’s important to stay calm and avoid knee-jerk reactions to potential changes in pension policies.”
That said, people should be keeping a close eye on the budget, to understand what’s been announced and how it could impact your finances.
Some of the changes that are expected could change your retirement plans, so it’s important to reassess once we know what’s been announced.
To help you understand what to keep an eye out for, The Sun has spoken to several experts in the pensions industry and asked for their key predictions for what pensions changes might be on the chancellor’s hit list.
State pension increases
Not strictly a Budget announcement, but the government is expected to confirm how much the state pension will rise by from next April.
The Labour government has committed to the triple-lock, which says that state pensions will rise by the higher of earnings rises, inflation, or 2.5%.
Last month’s earnings figures showed average growth of 4%, so this is the increase that is most widely expected.
The final decision is typically made by the Work and Pension Secretary, usually around the time of the budget.
Some commentators have also said that the chancellor might reconfirm Labour’s commitment to the triple-lock in the Budget.
One important thing to look at out for is income tax band freezes. Currently, people who only receive the state pension do not pay any income tax because it falls under the 20% tax threshold.
However, thresholds are currently expected to stay frozen until 2028.
Even if the state pension only rises by the minimum possible of 2.5% under the triple-lock, this will push some of the poorest pensioners into paying income tax before the freeze lifts.
Changes to the state pension age
The current state pension age is 66, but there are already plans in place to increase this to 67 in the years 2026-28 and then 68 from 2044-46.
The second increase impacts anyone who was born after 1977.
There is another review of the state pension age planned for this parliament, which will make recommendations about whether the SPA should change, and if so when this will happen.
The response isn’t expected until next year, so we’re unlikely to hear anything about it in this Autumn Statement, although it could be mentioned.
Cuts to tax-free pensions cash
One of the most commonly predicted changes for this year’s budget is the rules around tax-free cash.
Under the current system, retirees can access 25% of their pensions saving tax-free, up to a limit of £268,275.
However, there are rumours that the government might reduce the percentage that can be taken tax-free or reduce the cap on the maximum amount.
Calum Cooper, head of pensions policy innovation at Hymans Robertson, cautions that any changes could directly affect people’s broader financial plans. For example, people planning on using the tax-free cash to pay off their mortgages might not be able to do so.
Generally, experts are concerned about the impact that changes to the rules would have on pension saving.
For instance, Brancaster House’s Mr Julian said: “Taking away these incentives could discourage saving and ultimately increase pressure on the State’s welfare system in the future.”
He adds that the IMF has proposed a flat amount of £100,000 rather than a change to the overall percentage.
He said: “This could be an ‘easier’ option for Labour, but I would hope if such a change is implemented, this would be on an age basis.”
Broadstone’s head of policy, David Brooks, says that estimations show that changing the limit to £100,000 would impact one in five retirees and raise around £2bn a year in the long run.
Clare Moffat, pensions expert at Royal London urges people not to panic, and says that typically these changes are introduced slowly. She adds that it’s important that people seek advice or guidance before removing any money from their pensions.
She said: “In the past, changes to rules have not been brought in overnight, giving people notice of the change and giving those who were entitled to a higher amount the opportunity to access that higher amount when they want to.
“Taking money out of a tax efficient environment isn’t something to be done on a whim. And if you have a large amount in a pension, taking out all of your tax-free cash means that it could be sitting in your bank account.
” If the worst were to happen and you died, that could mean that inheritance tax would be payable. Currently if money is in your pension pot and you died then it wouldn’t normally be subject to inheritance tax.”
Mr Summersgill added: “Even the perception that government might renege on the terms of the deal risks people taking actions which may not be in their best interest.
“Rumours about the future of tax-free cash, one of the best understood and most valued benefits of pensions, are particularly problematic.
“Taking your tax-free cash is an irreversible decision and, assuming the chancellor doesn’t pursue a disastrous raid on tax-free cash, those people may find they’re in a worse financial position long-term.”
Reducing the annual allowance or reintroducing a lifetime allowance
Independent financial adviser company Edale says we could see changes to the annual allowance.
This is the maximum amount of tax-relieved contributions that can be made to a pension each year and currently sits at £60,000.
It says that the government could reduce the annual allowance further, perhaps back to £40,000 or lower.
Another target could be the carry-forward rule, which allows individuals to use any unused annual allowance from the previous three tax years, provided they were members of a pension scheme at the time.
Edale said: “The government could reduce the number of years from which unused allowances can be carried forward (e.g., reducing it from three years to one year). Alternatively, they could cap the total amount that can be carried forward.”
Labour could also look to reintroduce the Lifetime Allowance (LTA) which is the maximum amount you can accumulate in your pension pots without incurring extra tax charges.
It had previously pledged to do this, then said it would create an exemption for some public sector workers.
This promise was then reversed, before Labour quietly removed the pledge to reintroduce the LTA from its election manifesto.
But experts have warned that this doesn’t mean it won’t be reintroduced at a later date.
Introducing flat-rate tax relief
One rumour that does the rounds every time the budget happens is changes to the way that pensions tax relief works.
Under the current system, the tax relief you get on your pension contributions is determined by your marginal rate of income tax. Basic rate taxpayers (and those who earn under the tax threshold) get 20%, higher rate tax payers get 40% and additional rate taxpayers get 45% .
But moving to a flat-rate pension tax relief system, often predicted to be around 30%, reduces the relief available to higher earners, lowering the overall cost to the government.
Mr Brooks said: “This is the main rumour doing the rounds and would have the biggest impact on people saving for a pension but is likely to be the hardest.
“This would likely be bad news for some higher rate tax payers but better for basic rate tax payers who would see a greater benefit in pension savings.
“It would also have challenges around salary sacrifice and net pay arrangements and could be very tricky to implement in Defined Benefit schemes so would have potentially major ramifications for public sector workers.”
Rules around inheritance tax and pensions
Another hotly tipped change is around the way that pensions and inheritance tax interact.
Under the current rules, money held in a defined contribution pension does not form part of your estate and can be passed on inheritance tax free. If you die before age 75, the money might also be income tax free.
However, this could all be about to change.
Tom McPhail, director of public affairs at the Lang Cat said: “Top of my list of expected changes is the introduction of some form of death tax on unused DC pots (probably with an interspousal exemption).
“It would nudge savers back towards choosing more guaranteed incomes, so reversing some of the effects of the 2015 pension freedoms.
“It would also close off an anomaly whereby tax relief funded savings are allowed to grow tax free and then pass on to the next generation without paying any inheritance tax.”
Mr Brooks added: “Changing one or both of these rules would be a relatively easy move and potentially lucrative. This could risk devaluing the benefit of pensions as a savings method and from a technical point of view, there could be complications around trust laws.
Brancaster House Financial Planning’s Julian agrees that as pensions are usually held in Trusts, this would require significant legal changes. He said: “It’s not something that would happen overnight, but it’s an area worth watching as it could have big implications for pension savers.”
Changes to national insurance and pensions
Under the current rules employer contributions to pensions are exempt from National Insurance Contributions (NICs) and are tax-deductible.
However, Edale says that one potential option is that the government could introduce NICs on employer contributions or limit the tax deductibility of these contributions.
Ultimately, this could reduce the cost of pension tax relief to the government. In fact, IFS calculations show that applying employer NI to employer contributions to a pension would raise huge amounts – £17bn a year – for the Treasury.
However, Fidelity warns this could also reduce the amounts being saved into pensions by at least the same amount if employers pass on the cost to their workers.
The Lang Cat’s Mr McPhail said: “I think it likely the Chancellor will reduce or withdraw the NI relief currently granted on employer pension contributions.
“This has the superficial appeal of being low hanging fruit; it can generate lots of money for the Chancellor to spend and it won’t have any immediate effect on people’s household finances.
“However, in the long term, like Gordon Brown’s ACT raid in 1997, it would undoubtedly reduce the amount of money going into people’s pensions and so would lead to poorer retirements for millions.”
What is National Insurance?
NATIONAL Insurance is a tax on your earnings, or profits if you’re self-employed.
These contributions make you eligible for things like the state pension and certain benefits.
You’ll usually pay National Insurance Contributions (NICs) when you’re over the age of 16 and earning a certain amount.
For example, if you earn £1,000 a week, you pay nothing on the first £242.
Earn over that and you pay 10% on the next £725 – so £72.50. Then you pay 2%o on the rest, so £33, which works out as 66p.
For the self-employed rates are slightly different.
You can also get something known as National Insurance in some circumstances when you’re not working, for example when you have kids and claim certain benefits.
NICs are usually taken automatically by your employer and paid to HMRC, so you don’t need to do anything.
You can see how much NICs you pay on your wage slip.
Anyone working for themselves usually has to pay NICs themselves when completing a self-assessment tax return.
Money
Workspace’s occupancy drops after ‘unusually high number’ of customers vacate
“Many of the larger units will be subdivided into smaller units, where we see stronger demand and achieve higher pricing,” said Workspace CEO.
The post Workspace’s occupancy drops after ‘unusually high number’ of customers vacate appeared first on Property Week.
Money
Over half of homeowners want to ‘improve not move’, finds poll – see top 10 reasons why
More than half of homeowners want to ‘improve not move’ – spending big on their current home instead of buying a new one.
A poll of 2,000 adults who own a property, found 41 per cent ‘love’ their home, leaving 53 per cent wanting to adapt it to suit their changing needs.
And one in six (17 per cent) would be willing to spend more than £20,000 on renovations.
Just 24 per cent would rather move elsewhere and start afresh but 46 per cent admit they will probably look to ‘list’ it within the decade.
The top reason driving people to move was the fact it may not meet their mobility needs as they get older.
While changes in lifestyle and a bigger property were other factors in considering listing it over loving it and making adjustments.
Sam Stannah, CEO of Uplifts, a home lift manufacturer, which commissioned the research, said: “Clearly, many people love the homes they live in – but there’s an acceptance that life can change in a heartbeat.
“We all cherish our homes, the research confirms this – however, what’s truly eye-opening is the level of anxiety that arises when we consider if the home we love today will continue to meet our needs in the future.
“The findings have shown homeowners are very much aware they might have to make a decision to move home or renovate to meet their changing mobility needs.
“But also, there are plenty of owners on the ladder who don’t feel their current property quite matches what they want in terms of space and location, currently.”
The research found the average homeowner has lived at their property for an average of 15 years.
With the comfort and familiarity, location and suitable size and layout the top reasons for 53 per cent considering their current place their ideal homestead.
While the local community, feeling of security and facilities and amenities nearby among the others.
It also emerged 61 per cent believe their current home was big enough to accommodate any changes should their health requirements change.
And 41 per cent considered such needs when purchasing their property.
According to Checkatrade, the average cost of a house extension can be anywhere between £30,000 to £42,000, more than double the average amount respondents are willing to pay to meet changing needs – £14,000.
Aside from the stress of moving, mortgage lender Halifax estimates the cost of moving house, from stamp duty to conveyancing can cost £12,000.
Ultimately, deteriorating health and downsizing were the top reasons respondents would feel they’d consider selling – if push came to shove.
HOMEOWNERS’ TOP 10 REASONS THEY CONSIDER THEIR PROPERTY THEIR ‘FOREVER HOME’
1. Comfort and familiarity
2. Ideal location
3. Suitable layout and size
4. Community and neighbours
5. Safety and security
6. Adequate facilities and amenities
7. Memories and history
8. Emotional attachment
9. Privacy
10. Low maintenance
But those that are keen to make a move said the area they currently live in, having too many things to fix and their current rooms not being big enough were top motivations to list it.
The research, carried out via OnePoll, found 15 per cent of those polled have mobility issues – with climbing the stairs, stepping out of bed and reaching high shelves the top difficulties faced.
Yet only nine per cent of all adults considered a home lift installation a realistic prospect to help with mobility from floor-to-floor.
Sam Stannah, from Uplifts, added: “The research indicates many people believe installation of products to improve their home may feel out of reach.
“And as a result, the heartbreaking decision of having to leave a beloved forever home can become a reality for many.
“However, installing a home lift can be done without disrupting the layout of a home or requiring invasive or costly work.”
Money
Bidwells appoints Jo Hawkings as group partner
Hawkings will be responsible for managing the Trinity College endowment portfolio.
The post Bidwells appoints Jo Hawkings as group partner appeared first on Property Week.
Money
How AI can stop you writing like a robot
One of my favourite displacement activities is perusing the second-hand bookshops in Bradford on Avon during my lunch break.
The charm of second-hand bookshops is their randomness. “Second-hand books are wild books” unlike the “domesticated volumes of the library”, Virginia Woolf observed.
It was on one of these sojourns that I picked up a copy of Steven Pinker’s The Sense of Style – a guide on how to write.
Unlike speaking, writing is an unnatural act. Those of us in finance, in particular, struggle to get it right. Our industry suffers from what Pinker describes as “academese, bureaucratese, corporatese… and other stuffy prose”, characterised by compulsive hedging and professional narcissism. Why is this?
It often feels as though the finance sector operates in a bubble, with our own specific language and sub-culture
One contributing factor is that our collective reading habits are remarkably narrow. Judging from numerous proud endorsements on social media, we all read the same ubiquitous business/leadership/self-help guff.
It often feels as though the finance sector operates in a bubble, with our own specific language and sub-culture. Generally, I think we are a bit self-reverential, which perhaps comes across in the way we communicate outwardly.
I suspect our self-consciousness also has something to do with the regulatory burden, which encourages an evasive style. To avoid responsibility, writers adopt a passive voice (actor unmentioned) and insert zombie nouns in place of more straight-forward pronouns like I, me and you.
Some suggest we suffer from the curse of knowledge: a difficulty in imagining what it’s like for someone else not to know something you know
Some suggest we suffer from the curse of knowledge: a difficulty in imagining what it’s like for someone else not to know something you know. Others propose, less charitably, the bamboozlement theory – that opaque prose is a deliberate choice.
Ordinarily, when trying to understand any human shortcoming, the first tool I reach for is Hanlon’s Razor: never attribute to malice that which is adequately explained by stupidity. The machinations of the finance sector, once more, is an exception to the rule.
For example, I know of one national wealth manager (at least) that encourages the supply of its disclosure document in unformatted, black and white, block text. Surreptitiously tucked alongside colourful, matte finish sales brochures. This feels more like needle-in-a-haystack obfuscation strategy than lazy style oversight.
So – assuming we want to – how can we communicate more effectively to the wider population?
This feels more like needle-in-a-haystack obfuscation strategy than lazy style oversight
I’ve often thought we should recruit more arts graduates. The maths of personal finance really isn’t that difficult, and tech now does a lot of the heavy lifting anyway. The industry is moving away from investment/product-based solutions towards a broader planning approach with a bigger emphasis on soft skills and communication.
AI also presents a huge opportunity. Having initially been sceptical, I now use ChatGPT daily for basic research, proof-reading and writing blogs. As the technology improves and we get better at using it, there will surely be a positive impact on the overall quality of writing in financial services.
Some people are already having fun with it – I saw a LinkedIn post showing how ChatGPT defined the word pension in the style of Holden Caulfield from The Catcher in the Rye. The output was really quite extraordinary, capturing the tone of voice perfectly.
I’ve since played around with other famous authors with mixed results. My Ernest Hemmingway makeover successfully replicated his taught, muscular prose but was littered with references to fish and bullfighting, which felt a bit off-topic.
This is the catch: while AI can help produce content, we humans remain the arbiters of what works and what is appropriate in any given context. Instead of being creators, we will become curators. This shift demands the same higher-order skills we currently lack, which brings me back to second-hand bookshops.
As Pinker explains, “Good writers are avid readers.” Perhaps, then, the hours spent procrastinating on my lunch breaks were worthwhile after all.
Dan Wiltshire is an independent financial planner at Wiltshire Wealth
Money
Half of Brits struggling with energy bills have never asked for help, poll reveals
HALF of consumers who struggle with their energy bills have never asked for help.
A poll of 2,000 adults found 39 per cent have difficulty managing them, but 45 per cent have never sought assistance – whether that be turning to loved ones or seeking professional advice.
Reasons for this include belief they wouldn’t qualify for the support (34 per cent), stigma or embarrassment (28 per cent), and lack of information (26 per cent).
A fifth believe there isn’t enough energy advice out there.
And more than four in 10 (42 per cent) are worried about how they are going to keep on top of things this winter.
The research was commissioned by British Gas as part of its independent charitable trust – British Gas Energy Trust – which has partnered with the Post Office and eight local community-based charities to offer free, drop-in events at post offices across the UK this winter.
Abi Robins, director of responsible business at British Gas, said: “We know the colder months can be tough on a lot of people and there isn’t always advice readily available.
“The Post Office Pop-Ups provide help on lots of topics such as budget planning, energy debt advice, help with accessing energy debt write-off grants, and energy efficiency measures.
“Grants, fund money and energy advice services are also available through the Trust– with donations from British Gas topping £200m since 2004 – as well as providing direct support to struggling customers with matched debt repayments and non-repayable credit.”
The study also found rising costs, difficulty managing finances, and fear of disconnection were among the main concerns when it comes to paying energy bills this winter.
When speaking to someone about getting support, 26 per cent would want a face-to-face conversation.
But 35 per cent admit they find it difficult to talk about the struggles they face when paying their energy bills.
Of those who have previously got help, 35 per cent turned to friends or family, 27 per cent used Government schemes, and 24 per cent sought financial advice or counselling.
And according to the OnePoll.com data, half found it easy sourcing this information.
Exactly six in 10 of all respondents think there should be more support programmes to help people managing rising energy costs.
Jessica Taplin, chief executive of British Gas Energy Trust, said: “We know some consumers really want face to face advice, so these pop-ups are just one way we’re helping those already struggling with rising living costs this winter.
“We offer energy debt write-off grants through our Individuals and Families Fund, open now, and Energy Support Fund, opening 4th of November, to households facing fuel poverty, among other criteria.”
Simon Lambert, commercial and operations director at Post Office, said: “Every week, more than a million energy customers visit our branches to pay bills or top up.
“These pop-ups – held in London, Edinburgh, Glasgow, Leicester, Leeds, Newport and Stockport – are a fantastic way to connect customers with the additional support they may need this winter.”
4 ways to keep your energy bills low
Laura Court-Jones, Small Business Editor at Bionic shared her tips.
1. Turn your heating down by one degree
You probably won’t even notice this tiny temperature difference, but what you will notice is a saving on your energy bills as a result. Just taking your thermostat down a notch is a quick way to start saving fast. This one small action only takes seconds to carry out and could potentially slash your heating bills by £171.70.
2. Switch appliances and lights off
It sounds simple, but fully turning off appliances and lights that are not in use can reduce your energy bills, especially in winter. Turning off lights and appliances when they are not in use, can save you up to £20 a year on your energy bills
3. Install a smart meter
Smart meters are a great way to keep control over your energy use, largely because they allow you to see where and when your gas and electricity is being used.
4. Consider switching energy supplier
No matter how happy you are with your current energy supplier, they may not be providing you with the best deals, especially if you’ve let a fixed-rate contract expire without arranging a new one. If you haven’t browsed any alternative tariffs lately, then you may not be aware that there are better options out there.
Do you have a money problem that needs sorting? Get in touch by emailing money-sm@news.co.uk.
Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
Money
Imperial College pays £115m for SEGRO estate in west London
Imperial College will operate the site to provide commercial science innovation facilities to start-ups, as part of its WestTech Corridor vision.
The post Imperial College pays £115m for SEGRO estate in west London appeared first on Property Week.
-
Science & Environment4 weeks ago
Hyperelastic gel is one of the stretchiest materials known to science
-
Technology4 weeks ago
Would-be reality TV contestants ‘not looking real’
-
Science & Environment4 weeks ago
How to unsnarl a tangle of threads, according to physics
-
Science & Environment4 weeks ago
‘Running of the bulls’ festival crowds move like charged particles
-
Science & Environment4 weeks ago
Maxwell’s demon charges quantum batteries inside of a quantum computer
-
Science & Environment4 weeks ago
Liquid crystals could improve quantum communication devices
-
Technology3 weeks ago
Is sharing your smartphone PIN part of a healthy relationship?
-
Womens Workouts3 weeks ago
3 Day Full Body Women’s Dumbbell Only Workout
-
Science & Environment4 weeks ago
Quantum ‘supersolid’ matter stirred using magnets
-
Science & Environment3 weeks ago
X-rays reveal half-billion-year-old insect ancestor
-
Science & Environment4 weeks ago
Why this is a golden age for life to thrive across the universe
-
Science & Environment4 weeks ago
Sunlight-trapping device can generate temperatures over 1000°C
-
Science & Environment4 weeks ago
Nerve fibres in the brain could generate quantum entanglement
-
Science & Environment4 weeks ago
Quantum forces used to automatically assemble tiny device
-
Science & Environment4 weeks ago
ITER: Is the world’s biggest fusion experiment dead after new delay to 2035?
-
Science & Environment4 weeks ago
How to wrap your mind around the real multiverse
-
Science & Environment4 weeks ago
A slight curve helps rocks make the biggest splash
-
News4 weeks ago
the pick of new debut fiction
-
Science & Environment4 weeks ago
Laser helps turn an electron into a coil of mass and charge
-
News3 weeks ago
Our millionaire neighbour blocks us from using public footpath & screams at us in street.. it’s like living in a WARZONE – WordupNews
-
Science & Environment4 weeks ago
Time travel sci-fi novel is a rip-roaringly good thought experiment
-
Science & Environment4 weeks ago
Physicists are grappling with their own reproducibility crisis
-
Science & Environment4 weeks ago
Nuclear fusion experiment overcomes two key operating hurdles
-
News4 weeks ago
▶️ Hamas in the West Bank: Rising Support and Deadly Attacks You Might Not Know About
-
News4 weeks ago
You’re a Hypocrite, And So Am I
-
Business2 weeks ago
Eurosceptic Andrej Babiš eyes return to power in Czech Republic
-
Sport4 weeks ago
Joshua vs Dubois: Chris Eubank Jr says ‘AJ’ could beat Tyson Fury and any other heavyweight in the world
-
Science & Environment4 weeks ago
A new kind of experiment at the Large Hadron Collider could unravel quantum reality
-
News4 weeks ago
▶️ Media Bias: How They Spin Attack on Hezbollah and Ignore the Reality
-
Science & Environment4 weeks ago
Caroline Ellison aims to duck prison sentence for role in FTX collapse
-
News4 weeks ago
New investigation ordered into ‘doorstep murder’ of Alistair Wilson
-
Technology3 weeks ago
Why Machines Learn: A clever primer makes sense of what makes AI possible
-
Technology2 weeks ago
Quantum computers may work better when they ignore causality
-
Business2 weeks ago
Should London’s tax exiles head for Spain, Italy . . . or Wales?
-
Football2 weeks ago
Football Focus: Martin Keown on Liverpool’s Alisson Becker
-
Sport2 weeks ago
Watch UFC star deliver ‘one of the most brutal knockouts ever’ that left opponent laid spark out on the canvas
-
Science & Environment4 weeks ago
Rethinking space and time could let us do away with dark matter
-
Science & Environment4 weeks ago
A tale of two mysteries: ghostly neutrinos and the proton decay puzzle
-
News4 weeks ago
The Project Censored Newsletter – May 2024
-
Technology2 weeks ago
‘From a toaster to a server’: UK startup promises 5x ‘speed up without changing a line of code’ as it plans to take on Nvidia, AMD in the generative AI battlefield
-
MMA2 weeks ago
Conor McGregor challenges ‘woeful’ Belal Muhammad, tells Ilia Topuria it’s ‘on sight’
-
News4 weeks ago
Israel strikes Lebanese targets as Hizbollah chief warns of ‘red lines’ crossed
-
Health & fitness4 weeks ago
The secret to a six pack – and how to keep your washboard abs in 2022
-
Science & Environment4 weeks ago
Future of fusion: How the UK’s JET reactor paved the way for ITER
-
Technology2 weeks ago
Microphone made of atom-thick graphene could be used in smartphones
-
Business2 weeks ago
Ukraine faces its darkest hour
-
Politics3 weeks ago
Robert Jenrick vows to cut aid to countries that do not take back refused asylum seekers | Robert Jenrick
-
Technology4 weeks ago
The ‘superfood’ taking over fields in northern India
-
Science & Environment4 weeks ago
UK spurns European invitation to join ITER nuclear fusion project
-
CryptoCurrency4 weeks ago
Cardano founder to meet Argentina president Javier Milei
-
News3 weeks ago
Why Is Everyone Excited About These Smart Insoles?
-
Technology3 weeks ago
Get ready for Meta Connect
-
Technology2 weeks ago
University examiners fail to spot ChatGPT answers in real-world test
-
Science & Environment4 weeks ago
Physicists have worked out how to melt any material
-
Sport4 weeks ago
UFC Edmonton fight card revealed, including Brandon Moreno vs. Amir Albazi headliner
-
Science & Environment4 weeks ago
Why we need to invoke philosophy to judge bizarre concepts in science
-
Politics4 weeks ago
UK consumer confidence falls sharply amid fears of ‘painful’ budget | Economics
-
TV3 weeks ago
CNN TÜRK – 🔴 Canlı Yayın ᴴᴰ – Canlı TV izle
-
Science & Environment3 weeks ago
Meet the world's first female male model | 7.30
-
Womens Workouts3 weeks ago
3 Day Full Body Toning Workout for Women
-
Technology3 weeks ago
Robo-tuna reveals how foldable fins help the speedy fish manoeuvre
-
Health & fitness2 weeks ago
The 7 lifestyle habits you can stop now for a slimmer face by next week
-
CryptoCurrency4 weeks ago
Ethereum is a 'contrarian bet' into 2025, says Bitwise exec
-
Science & Environment4 weeks ago
Being in two places at once could make a quantum battery charge faster
-
News4 weeks ago
How FedEx CEO Raj Subramaniam Is Adapting to a Post-Pandemic Economy
-
CryptoCurrency4 weeks ago
Decentraland X account hacked, phishing scam targets MANA airdrop
-
CryptoCurrency4 weeks ago
Bitcoin miners steamrolled after electricity thefts, exchange ‘closure’ scam: Asia Express
-
CryptoCurrency4 weeks ago
DZ Bank partners with Boerse Stuttgart for crypto trading
-
CryptoCurrency4 weeks ago
Low users, sex predators kill Korean metaverses, 3AC sues Terra: Asia Express
-
CryptoCurrency4 weeks ago
Blockdaemon mulls 2026 IPO: Report
-
Business4 weeks ago
Thames Water seeks extension on debt terms to avoid renationalisation
-
Politics4 weeks ago
‘Appalling’ rows over Sue Gray must stop, senior ministers say | Sue Gray
-
MMA3 weeks ago
Rankings Show: Is Umar Nurmagomedov a lock to become UFC champion?
-
Womens Workouts3 weeks ago
Best Exercises if You Want to Build a Great Physique
-
Womens Workouts3 weeks ago
Everything a Beginner Needs to Know About Squatting
-
News3 weeks ago
Four dead & 18 injured in horror mass shooting with victims ‘caught in crossfire’ as cops hunt multiple gunmen
-
Servers computers3 weeks ago
What are the benefits of Blade servers compared to rack servers?
-
Business2 weeks ago
When to tip and when not to tip
-
Entertainment1 week ago
Christopher Ciccone, artist and Madonna’s younger brother, dies at 63
-
News4 weeks ago
Church same-sex split affecting bishop appointments
-
Politics4 weeks ago
Trump says he will meet with Indian Prime Minister Narendra Modi next week
-
News4 weeks ago
Brian Tyree Henry on voicing young Megatron, his love for villain roles
-
Health & fitness4 weeks ago
The maps that could hold the secret to curing cancer
-
Science & Environment4 weeks ago
Tiny magnet could help measure gravity on the quantum scale
-
CryptoCurrency4 weeks ago
Dorsey’s ‘marketplace of algorithms’ could fix social media… so why hasn’t it?
-
CryptoCurrency4 weeks ago
Bitcoin bulls target $64K BTC price hurdle as US stocks eye new record
-
News4 weeks ago
Brian Tyree Henry on voicing young Megatron, his love for villain roles
-
CryptoCurrency4 weeks ago
Coinbase’s cbBTC surges to third-largest wrapped BTC token in just one week
-
Travel3 weeks ago
Delta signs codeshare agreement with SAS
-
Technology2 weeks ago
The best robot vacuum cleaners of 2024
-
Science & Environment4 weeks ago
How one theory ties together everything we know about the universe
-
Business4 weeks ago
JPMorgan in talks to take over Apple credit card from Goldman Sachs
-
Science & Environment4 weeks ago
Quantum time travel: The experiment to ‘send a particle into the past’
-
Business4 weeks ago
How Labour donor’s largesse tarnished government’s squeaky clean image
-
Science & Environment3 weeks ago
CNN TÜRK – 🔴 Canlı Yayın ᴴᴰ – Canlı TV izle
-
News3 weeks ago
Shocking ‘kidnap’ sees man, 87, bundled into car, blindfolded & thrown onto dark road as two arrested
-
Politics3 weeks ago
Hope, finally? Keir Starmer’s first conference in power – podcast | News
-
News3 weeks ago
US Newspapers Diluting Democratic Discourse with Political Bias
-
Business2 weeks ago
DoJ accuses Donald Trump of ‘private criminal effort’ to overturn 2020 election
-
Technology4 weeks ago
iPhone 15 Pro Max Camera Review: Depth and Reach
You must be logged in to post a comment Login