Money
Barratt Redrow outlines growth strategy to become UK’s largest housing group
The enlarged developer revealed it is targeting 22,000 completions a year in the medium term and also plans to close nine offices.
The post Barratt Redrow outlines growth strategy to become UK’s largest housing group appeared first on Property Week.
Money
Regulation paves the way for the human-centric adviser
Some 20 years ago, it was common for a financial adviser to be product-centric, then, towards the end of 2010, they became customer-centric.
More recently, the industry is becoming human-centric.
I admit, this is a broad-brushed – and inevitably unfair – assessment of how advice has evolved over the course of the last 20 years. So, allow me to elaborate.
When advice was product-centric, earnings were often linked to commission-based remuneration. Training standards emphasised product knowledge. The aim was to ensure advisers were well-versed in the offerings available. Their primary role was to match clients with suitable financial products.
It is no longer good enough to be thinking of clients as ‘customers’, as in ‘the recipient of a service’ or ‘the recipient of a product’
Then financial services was nudged to become customer-centric. Here, the Retail Distribution Review played a pivotal role. It banned commission payments from product providers and aimed to ensure adviser recommendations aligned with clients’ best interests.
Advisers faced higher qualification requirements, enhancing their expertise in financial planning. Transparency improved with clearer fee disclosures and detailed service explanations.
Ongoing professional development further reinforced the focus on delivering customer-centric advice, as did the Treating Customers Fairly initiative.
“OK,” I hear you cry. “Where does human-centric come in?”
Well, Consumer Duty has been the major regulatory driver for advisers to become human-centric. It is no longer good enough to be thinking of clients as “customers”, as in “the recipient of a service” or “the recipient of a product.”
Advisers can distinguish themselves from more automated propositions, which can lead to referrals
Think about it for a moment. A “customer” is merely one of many people who bought a product or service. Speak of the customer and it highlights a rather transactional relationship: a connection between a service provider and, well, the customer.
This perspective emphasises the act of buying and selling. It doesn’t delve into the deeper, more personal aspects of the individual behind the transaction.
However, with the rise of behavioural science, psychology, neuroscience and other human-centred disciplines, we are learning to look beyond the generic customer to the individual human. Humans have instincts, emotions and vulnerabilities, and their decisions are influenced by a variety of contextual factors that either enable or hinder them.
Consumer Duty, with its strong emphasis on real-life outcomes, pushes advisers to consider these broader human elements. This marks a fundamental shift towards human-centric advice. The focus is on understanding and supporting the whole person, recognising that clients are not just customers but individuals with unique needs and life circumstances.
Think about it for a moment. A “customer” is merely one of many people who bought a product or service
There are many different aspects of human-centric advice, many of which will bring opportunity. This could be through human-centric communication – for example, in times of market volatility. Or in building trust by more systematically considering the non-technical components that contribute to it.
Overall, human-centricity can be a fundamental part of why people look for and select a financial adviser, bringing in emotional and often apparently ‘irrational’ reasons. Through a human-centric approach, advisers can distinguish themselves from more automated propositions, making the fact-find and client reviews more meaningful. All of which can lead to referrals.
The context we’re in nudges advisers to be ‘human-centric’. It’s a label worth embracing to capitalise on the opportunities that come with it.
Dr Thomas Mather is manager of Aegon’s Centre for Behavioural Research and Insights
Money
Hundreds hit by DWP benefits error that could see payments STOP – are you affected?
HUNDREDS of households have been affected by a DWP benefits error, which could leave them out of pocket.
It comes as the government continues to move all two million claimants on legacy benefits to Universal Credit by the end of March 2025 through a process known as managed migration.
As part of this process, households on legacy benefits, including tax credits, receive “migration notices” by post.
These notices provide instructions on how to switch to Universal Credit, as the transition is not automatic.
Households must apply for Universal Credit within three months of receiving their managed migration letter.
Failing to do this can result in benefits being stopped.
However, a “small number” of the 800,000 on income-related employment and support allowance (ESA) have faced a stumbling block when applying for Universal Credit.
ESA provides financial support for those unable to work due to illness or disability.
According to Department for Work and Pension (DWP) rules, ESA claimants should not be required to provide fit notes during the migration process.
Furthermore, those in the ESA support group should not be asked to undertake any work-related activities, as their work capability status should carry over when they migrate to UC.
Despite these clear rules, some DWP staff have asked ESA claimants to obtain fit notes from their GPs.
Others have been incorrectly informed that they need to agree to new work commitments before making the switch.
Claimants have been told that failure to provide fit notes or agree to new work requirements would make them ineligible for limited capability for work and work-related activity (LCWRA) payments.
These extra payments are worth up to £416 a month.
Similar to Universal Credit, legacy ESA claims consist of a standard allowance and an additional component for incapacity for work.
This additional component – either the work-related activity component or the support component – is being replaced by Universal Credit’s LCWRA payments.
Therefore, if you were already receiving these extra components under ESA, you are not required to submit a new fit note or agree to new work requirements to be eligible for LCWRA payments.
Ayla Ozmen, director of policy & campaigns at anti-poverty charity Z2K, said: “It’s very concerning to hear that some disabled people on employment and support allowance who are being moved on to universal credit are being asked to look for work.
“Not only is this unlawful, but it puts disabled people at risk of being inappropriately sanctioned.”
A DWP spokesperson added: “We are aware of an issue where a small number of claimants are still being asked to attend a Claimant Commitment appointment and are currently working to resolve the situation.
“Anyone who thinks they have been affected should contact their work coach.”
Which benefits are stopping?
UNIVERSAL Credit is replacing six benefits under the old welfare system, commonly called legacy benefits. They are:
- Working tax credit
- Child tax credit
- Income-based jobseeker’s allowance
- Income support
- income-related employment and support allowance
- Housing benefit
If you’re on any of these benefits now, you can move over immediately or wait until you receive your migration notice.
You should carefully consider the financial implications of transitioning to Universal Credit before receiving a formal notice, as once you make the switch, there is no option to revert to your previous benefits.
An online benefits calculator, free and easy to use from charities such as Turn2Us and EntitledTo, can help you check.
You may also be moved to Universal Credit if your circumstances change, such as moving home, changing your working hours, or having a baby.
Ultimately, everyone will be transitioned to Universal Credit through the managed migration process, and all legacy benefits will be phased out by 2025.
A WORD OF WARNING
Since July 2022, the Department for Work and Pensions (DWP) has sent nearly 1.14million migration notices.
However, according to the latest figures from the DWP, 284,660 individuals lost their benefits after failing to respond to migration notices received between July 2022 and June 2024.
That’s why it’s vital to ensure that you switch to Universal Credit within three months of receiving your letter.
Failure to do this will stop your current benefit payment.
You will also forfeit transitional protection top-up payments designed to ensure you do not lose money when transitioning to Universal Credit under the managed migration process.
Some 623,310 individuals have since made successful claims for Universal Credit, and another 232,830 are still in the process of transitioning.
HELP CLAIMING UNIVERSAL CREDIT
As well as benefit calculators, anyone moving from tax credits to Universal Credit can find help in a number of ways.
You can visit your local Jobcentre by searching at find-your-nearest-jobcentre.dwp.gov.uk/.
There’s also a free service called Help to Claim from Citizen’s Advice:
- England: 0800 144 8 444
- Scotland: 0800 023 2581
- Wales: 08000 241 220
You can also get help online from advisers at citizensadvice.org.uk/about-us/contact-us/contact-us/help-to-claim/.
Will I be better off on Universal Credit?
ANALYSIS by James Flanders, The Sun’s Chief Consumer Reporter:
Around 1.4million people on legacy benefits will be better off after switching to Universal Credit, according to the government.
A further 300,000 would see no change in payments, while around 900,000 would be worse off under Universal Credit.
Of these, around 600,000 can get top-up payments (transitional protection) if they move under the managed migration process, so they don’t lose out on cash immediately.
The majority of those – around 400,000 – are claiming employment support allowance (ESA).
Around 100,000 are on tax credits, while fewer than 50,000 each on other legacy benefits are expected to be affected.
Those who move voluntarily and are worse off won’t get these top-up payments and could lose cash.
Those who miss the managed migration deadline and later make a claim may not get transitional protection.
The clock starts ticking on the three-month countdown from the date of the first letter, and reminders are sent via post and text message.
There is a one-month grace period after this, during which any claim to Universal Credit is backdated, and transitional protection can still be awarded.
Examples of those who may be entitled to less on Universal Credit include:
- Households getting ESA and the severe disability premium and enhanced disability premium
- Households with the lower disabled child addition on legacy benefits
- Self-employed households who are subject to the Minimum Income Floor after the 12-month grace period has ended
- In-work households that worked a specific number of hours (e.g. lone parent working 16 hours claiming working tax credits
- Households receiving tax credits with savings of more than £6,000 (and up to £16,000)
Either way, if these households don’t switch in the future, they risk missing out on any future benefit increase and seeing payments frozen.
Money
Walker takes on CFO role at British Land
Walker, presently COO, will join the board and become CFO from 20 November, replacing Bhavesh Mistry, who is stepping down.
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Money
Urban Adventures in Sydney: A Digital Nomad’s Survival Guide – Finance Monthly
Sydney’s blend of urban thrills and natural beauty is a dream for digital nomads. Sydney has it all. Work remotely from its vibrant cafés or sightsee between meetings. It’s the perfect balance of work and play. It has reliable tech, great connectivity, and chances to explore its famous sites and hidden gems. You’ll want to set up an Australia eSIM before arrival to stay connected while on the go. This digital SIM card gives you internet access anywhere. It saves you from the hassle of switching physical SIM cards. Now, let’s explore what makes Sydney great for digital nomads.
Staying Connected with an Australia eSIM
One of the biggest concerns for digital nomads is reliable internet access. Sydney benefits from a strong mobile network. It’s easy to connect with an Australia eSIM. This technology lets you activate your SIM digitally. So, you can avoid buying a physical SIM card upon arrival. I need constant mobile data to stay productive. Whether in a café, navigating the city, or meeting clients. An eSIM lets you explore Sydney without losing internet access.
Best Work-Friendly Cafés in Sydney
When you’re a digital nomad, finding a good workspace is key. Sydney has many cafés for remote workers. They offer free Wi-Fi, comfy seats, and a friendly vibe. Surry Hills, Newtown, and Bondi are popular. They have cafés that are both trendy and suitable for work. These spots serve great coffee and provide the right environment to get work done. Whether you’re looking for a quiet place or a café buzzing with creative energy, Sydney has plenty of options.
Many digital nomads prefer working from cafés because they offer flexibility. You can set your schedule, enjoy a change of scenery, and grab a bite to eat while working on your latest project. These cafés are scattered throughout the city, so you’ll never be far from a good workplace spot.
Co-Working Spaces for Serious Productivity
Sometimes, you need a more professional setting than a café to get through your workload. Sydney boasts a range of co-working spaces designed with digital nomads in mind. They have high-speed internet, private meeting rooms, and quiet areas to help you focus. Some offer networking opportunities. They make it easier to connect with other remote workers or potential clients.
Co-working spaces are great if you want a structured work environment. You’ll have all the tools you need to be productive. This includes printers, meeting rooms, and event spaces. Many of these spaces offer daily or weekly passes. You can use them as needed without long-term commitments.
Balancing Work and Exploration in Sydney
Sydney isn’t just about working—it’s also about exploring. The city is filled with activities for every type of traveller. Whether you’re into the arts or nature or want to relax by the beach, there’s something for everyone. Bondi Beach is a must-visit spot, offering golden sands and a lively atmosphere. It’s the perfect place to take a break from work, soak in sunshine, or even catch a wave.
For culture, visit the Sydney Opera House or the Royal Botanic Garden. These spots provide a peaceful break from the hustle and bustle. They let you recharge before returning to work. Sydney’s mix of relaxation and activity makes it perfect for digital nomads. It helps them balance work and play.
Getting Around Sydney with Ease
Getting around Sydney is simple, thanks to its reliable public transport. The city has a great system of buses, trains, and ferries, making it easy to move between neighbourhoods. Public transport is a good option for both. It can take you to a café to work or to famous spots, like the Sydney Harbour Bridge.
If you prefer walking or biking, Sydney has plenty of bike lanes and walkable paths. A stroll through the city can reveal hidden gems. You can also enjoy its charming neighbourhoods. With an Australia eSIM, you can easily access maps on your phone, ensuring you never lose your way.
Exploring Sydney’s Outdoor Adventures
One of the best things about living in Sydney is enjoying outdoor activities. The city has beautiful beaches, scenic walks, and national parks, making it perfect for a work break. You can stay active and enjoy nature, swimming at Manly Beach or hiking in the Blue Mountains.
For a quicker outdoor experience, visit the local parks or take the coastal walk from Bondi to Coogee. This stunning path offers breathtaking views of the coast. It is a popular choice for both locals and visitors.
Making the Most of Your Sydney Experience
Sydney has everything you need to thrive. Take advantage of the work-friendly cafés and co-working spaces throughout the city. Public transport makes it easy to get around so you can move from one spot to another without hassle. Explore the city’s attractions. Visit cultural landmarks and beach escapes. It’s easy to balance work and leisure here. Excitement waits around every corner.
Conclusion
Sydney is perfect for digital nomads. It offers both productivity and adventure. An Australia eSIM gives you reliable connectivity. You can then stay in touch with clients, navigate the city, and work from anywhere. Sydney has it all for digital nomads. There are cafés for work, co-working spaces, and scenic beaches. Also, there are vibrant cultural hotspots. Explore the city, soak in its energy, and make the most of your time in this urban paradise.
Money
How to address career gaps in your CV
Generations of workers have worried that employment gaps in their career may be perceived in a negative light — particularly women who have been out of the workplace while bringing up children.
Some employers may still take a dim view of career gaps. A 2022 LinkedIn survey found that a fifth would reject candidates who had taken one.
However, while job applicants may be tempted to stretch the dates on their CV to gloss over any gaps, the risk of being found out is probably not worth it.
How should new entrants to the financial advice sector address such gaps and how much detail should they share with prospective employers?
Personal growth and skills
In general, employers have become more accepting of career gaps, particularly since the pandemic. Post-Covid, more firms are taking on board issues such as staff wellbeing and work-life balance. They are more understanding of employees having their own life and personal circumstances that can impact their professional life.
That said, career breaks still need careful handling.
If you’ve taken a career break, you need to put a positive spin on what you did and how you did it
Recruitment experts say job applicants should highlight the skills they have developed during their time away from paid employment.
“Common ones include communication, teamwork, leadership, innovation, and planning and organising,” says Dr George Sik, director of assessment and chartered psychologist at Eras, a psychometric testing consultancy.
“Think about things you did that might demonstrate evidence of these, and also about how you will explain their relevance to working life. This should emphasise your suitability when you are interviewed, or on your CV.”
Career gaps can also be used “to add colour” to a job application, according to Katherine Jackson, senior partner at Page Executive.
“You may have been travelling, or taken extended time off for caring responsibilities. You may have felt burned out or just needed some headspace to help you change the direction of your career,” she says.
Mention how those experiences enhanced your problem-solving abilities and emotional intelligence
“All of these are valid reasons that, when explained in an honest and open way, can demonstrate values, behaviour and ambitions in a way that traditional career paths often can’t.”
Whatever a job applicant has been doing during a career gap, Sophie Bryan, founder at HR consultancy Ordinarily Different, suggests linking the skills learned during those experiences to the requirements of financial planning.
“Clients value advisers who understand diverse backgrounds,” she says.
TopCV careers expert Amanda Augustine points out that unpaid work completed during a career break, such as leading a committee, charity work or an internship, should be mentioned on a CV.
The last thing you want to do is get caught in a lie during the interviewer’s follow-up questions or a background check
“Remember, you don’t need to receive a pay cheque for your work in order to include it in your CV’s employment history section,” she says.
Honesty
There are certain career gaps new entrants to advice could feel uncomfortable discussing with prospective employers.
For example, they may be reluctant to speak about physical or mental health in case this puts them off. Or they may have clashed with a previous employer and finding a new job has taken longer than expected.
Professionals recommend being truthful — but within your own boundaries. In Augustine’s view, honesty with tact is the best policy.
Valid reasons, when explained honestly, can demonstrate values, behaviour and ambitions in a way that traditional career paths often can’t
“A TopCV study found lying during an interview was the surest way to get dismissed,” she says.
“The last thing you want to do is get caught in a lie during the interviewer’s follow-up questions or a background check.”
St James’s Place Financial Adviser Academy senior manager Gee Foottit points out that, if the circumstances that led to a career break — such as poor health — mean more support is required, employers will want to know.
“They need to know if there are any accessibility issues, what this entails day to day and whether any adjustments are required,” she says.
However, this does not mean going into lots of detail about your personal life.
Clients value advisers who understand diverse backgrounds
“Keep your answers brief, stick to the facts and avoid letting your emotions get the better of you,” says Augustine.
“Share any necessary information that communicates the essence of why you took time off and, if it is a personal matter, indicating this to the interviewer will move them off the topic.”
Resilience and solutions
If a career break is the result of personal challenges, such as health issues or caring responsibilities, Bryan suggests focusing on the resilience and perspective this has given you.
“You might mention how those experiences enhanced your problem-solving abilities and emotional intelligence — staying professional while avoiding too much detail,” she says.
You don’t need to receive a pay cheque for your work in order to include it in your CV’s employment history section
It can also help to present solutions if, for example, ongoing caring responsibilities or health issues mean you will need to take time off in the future.
“You can pledge to make up the time if you need to take time off for health appointments,” says Victoria Harris, chief financial officer at The Curve, a financial education platform for women.
She adds it may also help to talk to others who have returned to the workplace after a career break.
“If you’ve taken a career break, you need to put a positive spin on what you did and how you did it.”
This article featured in the October 2024 edition of Money Marketing.
If you would like to subscribe to the monthly magazine, please click here.
Money
Final date £300 Winter Fuel payment will be made confirmed by DWP
THE Department for Work and Pensions (DWP) has confirmed the final date households should receive the £300 Winter Fuel Payment.
The Winter Fuel Payment was previously available to everyone aged 66 and above, the current State Pension age.
But in July the Government announced the payment would become means-tested meaning only those on certain benefits are eligible.
This includes those on income support, tax credits and Universal Credit, but also Pension Credit.
From November, eligible households will receive automatic payments of up to £300.
Payments will then continue to be made throughout December.
Those who are eligible should have either received a letter, or should get one in the coming month, telling them how much they will be paid.
It will also explain which bank account the payment will be paid into – this is usually the same account as where Pension Credit or other benefits are usually paid.
The DWP has advised all those eligible for the cash to expect it to enter their bank accounts by January 29 at the latest.
If the payment does not come through, pensioners are advised to contact the Winter Fuel Payment Centre online or by telephone.
When you contact the Winter Fuel Payment Centre you will need to provide your name, address, date of birth and NI number.
Eligible pensioners should look out for a specific code to double check that the money has been sent.
For those in England and Wales, the payment will appear as the customer’s National Insurance (NI) number followed by “DWP WFP”.
Whereas those in Northern Ireland should look for their NI number followed by “DFC WFP”.
So, if you live in England and your NI number is QQ123456B the payment would show up as QQ123456B DWP WFP.
You should check for this code before consulting DWP.
If you don’t think your winter fuel payment has come through, check for this code in your bank statement before consulting the Department for Work and Pensions (DWP).
And if you haven’t yet checked whether you meet the new criteria for the payment, make sure you’re up to date and know how much you’re be expecting.
What is the Winter Fuel Payment?
Consumer reporter Sam Walker explains all you need to know about the payment.
The Winter Fuel Payment is an annual tax-free benefit designed to help cover the cost of heating through the colder months.
Most who are eligible receive the payment automatically.
Those who qualify are usually told via a letter sent in October or November each year.
If you do meet the criteria but don’t automatically get the Winter Fuel Payment, you will have to apply on the government’s website.
You’ll qualify for a Winter Fuel Payment this winter if:
- you were born on or before September 23, 1958
- you lived in the UK for at least one day during the week of September 16 to 22, 2024, known as the “qualifying week”
- you receive Pension Credit, Universal Credit, ESA, JSA, Income Support, Child Tax Credit or Working Tax Credit
If you did not live in the UK during the qualifying week, you might still get the payment if both the following apply:
- you live in Switzerland or a EEA country
- you have a “genuine and sufficient” link with the UK social security system, such as having lived or worked in the UK and having a family in the UK
But there are exclusions – you can’t get the payment if you live in Cyprus, France, Gibraltar, Greece, Malta, Portugal or Spain.
This is because the average winter temperature is higher than the warmest region of the UK.
You will also not qualify if you:
- are in hospital getting free treatment for more than a year
- need permission to enter the UK and your granted leave states that you can not claim public funds
- were in prison for the whole “qualifying week”
- lived in a care home for the whole time between 26 June to 24 September 2023, and got Pension Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance
Payments are usually made between November and December, with some made up until the end of January the following year.
Pensioners who are worried about missing out on the payment this winter can seek support from a long list of schemes – which will also be detailed at the end of this article.
What is the winter fuel payment and who is eligible?
The winter fuel payment is issued to state pensioners on certain benefits to help cover the cost of hiked up energy bills over the colder months.
This is because households tend to use more energy for heating as temperatures drop.
The payment, which is made in November or December, is automatic meaning you don’t need to apply.
Those on Universal Credit with a joint claim where one member was over the state pension age previously had to apply to get the payment.
To automatically qualify this year, you need to be of state pension age and in receipt of one of the following benefits:
- Pension Credit
- Universal Credit
- income-related Employment and Support Allowance (ESA)
- income-based Jobseeker’s Allowance (JSA)
- Income Support
- Child Tax Credit
- Working Tax Credit
You must have an active claim for these benefits during the “qualifying week” which is from September 16 to 22 this year.
You only need to apply this year if:
- you moved to an eligible country before January 1, 2021
- you were born before September 23, 1958
- you have a genuine and sufficient link to the UK – this can include having lived or worked in the UK and having family in the UK
Households can claim by phone from October 28 via the number 0800 731 0160.
They have until March 31, 2025 to do this.
Or to claim by post, you’ll need to fill in the winter fuel payment claim form and post it to the Winter Fuel Payment Centre.
This is available at www.gov.uk/winter-fuel-payment/how-to-claim.
More energy help for pensioners
In response to the government’s slash to the winter fuel payments, Octopus Energy has launched a scheme offering discretionary credit of between £50 and £200 to pensioners.
British Gas has also set aside over £140 million this winter for its Individual and Families Support Fund.
And Scottish Power‘s Hardship Fund has handed out more than £60 million to its struggling customers.
To find out what you can get, check the offers from your own supplier first by going to their website or asking someone on the phone.
Most schemes are exclusive to customers, but the British Gas Individual and Families fund is available to everyone if your own supplier can’t help.
Help can also be accessed from your local council via the Household Support Fund, which has renewed a fresh pot of £421 million finding for vulnerable households.
To find out if you are eligible, go to your council’s website and read over the conditions of the scheme.
If you’re just looking for simple ways to reduce your bill this winter, each of these supplier schemes, as well as the Household Support Fund also offer free electric blankets as part of their deal.
For example, Octopus have said they will distribute 20,000 electric blankets from Dreamland to its most vulnerable customers, keeping them warm for “as little as 3p an hour”.
The “heat yourself not your home” approach is trending fast, with retailers such as B&M introducing ranges of affordable self-heating appliances.
However, it is important to note that the elderly should not avoid turning the heating on if they are cold – for energy help contact your provider or local council, or read our article here.
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
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