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The 1-minute read to get the money news you need with expert adviser commentary.
More than twice as many people are currently at risk of redundancy than during the height of the 2008 financial crash. Between May and July this year, employers listed 380,000 jobs as “at risk”. In the past, actual redundancies don’t always match the numbers at risk, but it’s an early signal of what might happen.
Bosses of Deliveroo, Burger King, and Itsu have signed a letter calling for an extension to the rent holiday for city-centre restaurants. The current ban on commercial evictions is set to end on 30th September, and they warn that many well-known eateries are at risk of being kicked out.
Topshop owner Arcadia has agreed to pay packages based on full salaries to its staff facing redundancy. 3 weeks ago it emerged that the retail giant was offering employees redundancy pay based on their reduced furlough wages. It’s now backed down after pressure from Unite.
Rail companies are facing delays over their plans for a flexible season ticket to help workers heading back to the office part time. They want to enable commuters to use up their rail trips over a certain period of time. But the government has said the flexible fares won’t be approved in time for January, when prices are set to rise.
","url":"https://multiply.ghost.io/bosses-plan-redundancies/","uuid":"51aaf907-6925-42cc-be07-55b629518c1d","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f5f3879eccba10039387505"}},{"node":{"id":"Ghost__Post__5f5b35978c002a00390305ec","title":"Economic growth continues","slug":"economy-grew-in-july","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/09/Multiply-minute-8.png","excerpt":"UK GDP grew by 6.6% in July - that makes it 3 months of economic growth in a row.","custom_excerpt":"UK GDP grew by 6.6% in July - that makes it 3 months of economic growth in a row.","created_at_pretty":"11 September, 2020","published_at_pretty":"11 September, 2020","updated_at_pretty":"11 September, 2020","created_at":"2020-09-11T08:30:15.000+00:00","published_at":"2020-09-11T08:44:26.000+00:00","updated_at":"2020-09-11T08:56:06.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nJuly recovery\nUK GDP grew by 6.6% in July [https://www.bbc.co.uk/news/business-54113948] -\nthat makes it 3 months of economic growth in a row. Lots of businesses were\nallowed to reopen for the first time in July, and people started venturing back\nto pubs and restaurants in greater numbers. We’re rebounding from the\ncoronavirus recession, but output is still 11.7% below pre-pandemic levels.\n\nWhat will Sunak do?\nChancellor Rishi Sunak has been urged to consider extending the furlough scheme\n[https://news.sky.com/story/coronavirus-sunak-urged-to-consider-targeted-furlough-scheme-extension-12068500] \nin some targeted cases. The wage subsidies, which have supported millions of\nworkers, are due to end on 31st October. But a cross-party group of MPs, with\nsupport from industry, has suggested that support continue for businesses that\nstand a chance of thriving again in the future.\n\nRich areas tighten belts\nNew data suggests that wealthier London suburbs saw the biggest falls in\nspending\n[https://www.cityam.com/exclusive-richer-london-boroughs-suffer-biggest-fall-in-lockdown-spending/] \nover lockdown. According to bank and credit card data from Fable, affluent\nhouseholds in Islington, Camden and Greenwich spent far less in April as their\nlifestyles were reigned in. Those boroughs were also slower to start splashing\nthe cash again in May and June.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
UK GDP grew by 6.6% in July - that makes it 3 months of economic growth in a row. Lots of businesses were allowed to reopen for the first time in July, and people started venturing back to pubs and restaurants in greater numbers. We’re rebounding from the coronavirus recession, but output is still 11.7% below pre-pandemic levels.
Chancellor Rishi Sunak has been urged to consider extending the furlough scheme in some targeted cases. The wage subsidies, which have supported millions of workers, are due to end on 31st October. But a cross-party group of MPs, with support from industry, has suggested that support continue for businesses that stand a chance of thriving again in the future.
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New data suggests that wealthier London suburbs saw the biggest falls in spending over lockdown. According to bank and credit card data from Fable, affluent households in Islington, Camden and Greenwich spent far less in April as their lifestyles were reigned in. Those boroughs were also slower to start splashing the cash again in May and June.
","url":"https://multiply.ghost.io/economy-grew-in-july/","uuid":"e14e8f45-9e90-4c44-a511-0276df76223b","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f5b35978c002a00390305ec"}},{"node":{"id":"Ghost__Post__5f59e01498c722003919228a","title":"£100 billion “moonshot”?","slug":"100-billion-moonshot","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/09/Multiply-minute-7.png","excerpt":"In the ‘60s, man went to the moon. In the roaring ‘20s, we’re just trying to avoid a second lockdown","custom_excerpt":"In the ‘60s, man went to the moon. In the roaring ‘20s, we’re just trying to avoid a second lockdown","created_at_pretty":"10 September, 2020","published_at_pretty":"10 September, 2020","updated_at_pretty":"10 September, 2020","created_at":"2020-09-10T08:13:08.000+00:00","published_at":"2020-09-10T08:51:12.000+00:00","updated_at":"2020-09-10T08:51:55.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nGiant leap\nIn the ‘60s, man went to the moon. In the roaring ‘20s, we’re just trying to\navoid a second lockdown. The prime minister’s “Operation Moonshot”\n[https://www.bbc.co.uk/news/uk-54097050] to process millions of rapid\ncoronavirus tests each day could cost £100 billion, according to leaked memos.\nAnd experts say we don’t yet have the tech or the lab space to make it happen.\n\nFeeling confident\nProperty surveyors are saying confidence in the housing market has hit a 4-year\nhigh\n[https://www.theguardian.com/money/2020/sep/10/confidence-in-uk-housing-market-at-four-year-high-say-estate-agents]\n. House prices are rising in all areas of the country except London, according\nto the Royal Institute of Chartered Surveyors (RICS). Its monthly snapshot has\nreported its strongest reading since 2016.\n\nFrozen funds thawing\nThe first investors have been allowed to make withdrawals\n[https://www.thetimes.co.uk/edition/business/savers-in-frozen-property-funds-can-withdraw-cash-tvm0nlszg]\n* from frozen property funds. Withdrawals had been suspended since March, when\nlockdown meant that funds couldn’t properly value their assets. Updated guidance\nhas paved the way for asset managers to reopen funds so people can access their\ncash again.\n\nSolving climate change\nTo combat climate change fairly, we need to tax frequent flyers, phase out SUVs,\nand restrict cars in city centres. That’s according to the citizens’ assembly\n[https://www.bbc.co.uk/news/science-environment-54087176], a group of 108\nmembers of the public who have spent weeks debating ideas to achieve net zero\nemissions by 2050. On the same wavelength, a government report has also just\nrecommended adding £1,500\n[https://www.theguardian.com/business/2020/sep/09/petrol-and-diesel-cars-could-cost-up-to-1500-more-under-proposals] \nto the cost of new petrol and diesel cars in order to subsidise electric cars.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
In the ‘60s, man went to the moon. In the roaring ‘20s, we’re just trying to avoid a second lockdown. The prime minister’s “Operation Moonshot” to process millions of rapid coronavirus tests each day could cost £100 billion, according to leaked memos. And experts say we don’t yet have the tech or the lab space to make it happen.
Property surveyors are saying confidence in the housing market has hit a 4-year high. House prices are rising in all areas of the country except London, according to the Royal Institute of Chartered Surveyors (RICS). Its monthly snapshot has reported its strongest reading since 2016.
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The first investors have been allowed to make withdrawals* from frozen property funds. Withdrawals had been suspended since March, when lockdown meant that funds couldn’t properly value their assets. Updated guidance has paved the way for asset managers to reopen funds so people can access their cash again.
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To combat climate change fairly, we need to tax frequent flyers, phase out SUVs, and restrict cars in city centres. That’s according to the citizens’ assembly, a group of 108 members of the public who have spent weeks debating ideas to achieve net zero emissions by 2050. On the same wavelength, a government report has also just recommended adding £1,500 to the cost of new petrol and diesel cars in order to subsidise electric cars.
","url":"https://multiply.ghost.io/100-billion-moonshot/","uuid":"037c8158-762e-4236-a13a-118a2e10fcd4","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f59e01498c722003919228a"}},{"node":{"id":"Ghost__Post__5f58892b98c7220039192273","title":"Brexit bill backlash","slug":"untitled-19","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/09/Multiply-minute-6.png","excerpt":"Today, the government will publish the Internal Market Bill, a piece of legislation that sets out a blueprint for a post-Brexit Britain.","custom_excerpt":"Today, the government will publish the Internal Market Bill, a piece of legislation that sets out a blueprint for a post-Brexit Britain.","created_at_pretty":"09 September, 2020","published_at_pretty":"09 September, 2020","updated_at_pretty":"09 September, 2020","created_at":"2020-09-09T07:50:03.000+00:00","published_at":"2020-09-09T07:55:40.000+00:00","updated_at":"2020-09-09T08:26:32.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\n“Limited’ law-breaking\nToday, the government will publish the Internal Market Bill\n[https://uk.reuters.com/article/UKNews1/idUKKBN25Z386], a piece of legislation\nthat sets out a blueprint for a post-Brexit Britain. It will allow all four UK\nnations to trade freely with each other. But critics say the bill will hamper\ntrade talks with the EU - and the Northern Ireland minister admitted it would\n“break international law in a very specific and limited way”.\n\nShared ownership boost\nThe shared ownership scheme plans to lower the entry requirements to make it\neasier for first-time buyers with small deposits to get onto the property\nladder. Buyers must currently purchase at least 25% of the property upfront,\nwhile renting the other share. From April 2021, you'll be able to start with a\n10% share\n[https://www.mirror.co.uk/money/new-shared-ownership-shake-up-22647017]. Other\nchanges will make it cheaper and easier for owners to buy extra chunks of\nequity.\n\nTech rout\nTesla shares had their worst day in over 6 months yesterday, during a sell-off\nof US tech stocks. The car maker was denied a place on the S&P 500 index,\nprompting a 21% fall in its share price\n[https://www.theguardian.com/technology/2020/sep/08/tesla-shares-fell-us-stock-markets]\n. Amazon and Apple also suffered falls. US markets are in the red at the moment\nover concerns that the economy is struggling to recover from the coronavirus\nrecession.\n\nData hiring spree\nThe government wants to train 500 new data scientists\n[https://uk.reuters.com/article/UKNews1/idUKKBN25Z3CD] by 2021, and will hire\nmore people to work with data for the prime minister’s office. It also proposed\nmore data sharing between public and private sectors, after the pandemic\nhighlighted the importance of sharing data “quickly, efficiently and ethically”.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
Today, the government will publish the Internal Market Bill, a piece of legislation that sets out a blueprint for a post-Brexit Britain. It will allow all four UK nations to trade freely with each other. But critics say the bill will hamper trade talks with the EU - and the Northern Ireland minister admitted it would “break international law in a very specific and limited way”.
The shared ownership scheme plans to lower the entry requirements to make it easier for first-time buyers with small deposits to get onto the property ladder. Buyers must currently purchase at least 25% of the property upfront, while renting the other share. From April 2021, you'll be able to start with a 10% share. Other changes will make it cheaper and easier for owners to buy extra chunks of equity.
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Tesla shares had their worst day in over 6 months yesterday, during a sell-off of US tech stocks. The car maker was denied a place on the S&P 500 index, prompting a 21% fall in its share price. Amazon and Apple also suffered falls. US markets are in the red at the moment over concerns that the economy is struggling to recover from the coronavirus recession.
The government wants to train 500 new data scientists by 2021, and will hire more people to work with data for the prime minister’s office. It also proposed more data sharing between public and private sectors, after the pandemic highlighted the importance of sharing data “quickly, efficiently and ethically”.
","url":"https://multiply.ghost.io/untitled-19/","uuid":"26da4f5d-697a-4c4e-aa3d-8ec2812b645b","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f58892b98c7220039192273"}},{"node":{"id":"Ghost__Post__5f573de86507a80039be7c16","title":"£3.5 billion furlough fraud","slug":"3-5-billion-furlough-fraud","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/09/Multiply-minute-5.png","excerpt":"HMRC estimates that up to £3.5 billion may have been wrongly paid out via the furlough scheme.","custom_excerpt":"HMRC estimates that up to £3.5 billion may have been wrongly paid out via the furlough scheme.","created_at_pretty":"08 September, 2020","published_at_pretty":"08 September, 2020","updated_at_pretty":"08 September, 2020","created_at":"2020-09-08T08:16:40.000+00:00","published_at":"2020-09-08T08:19:02.000+00:00","updated_at":"2020-09-08T08:19:02.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nFurlough fraud\nHMRC estimates that up to £3.5 billion may have been wrongly paid out\n[https://www.bbc.co.uk/news/business-54066815] via the furlough scheme. It\nreckons error or fraud affected 5-10% of wage payments the government has made\nsince March. HMRC plans to go after employers who set out to defraud the system,\nincluding 27,000 \"high risk\" cases where large amounts of money may have gone\nmissing.\n\nLondon suburbs booming\nHomebuyers are seeking more space\n[https://www.cityam.com/exclusive-merton-leads-london-house-prices-higher-as-buyers-seek-space/]\n, with outer London boroughs boosting prices in the capital. Merton and Sutton\nsaw the fastest growth, where prices jumped more than 3% in the year to July\naccording to Zoopla’s house price index. Zoopla says it’s seen the highest\ndemand for homes with at least 3 bedrooms.\n\nOnline shopping spree\nAugust was another month of growth for retail, but it’s still making up for\nsales lost over lockdown. Sales rose by 3.9%\n[https://news.sky.com/story/coronavirus-online-boom-push-retail-sales-up-but-high-street-still-suffering-12066224] \ncompared to last year, according to the British Retail Consortium (BRC). Online\nshopping is leading the way, with brick and mortar stores struggling to keep up.\n\nBe your own boss\nLaid-off Brits have been busy starting businesses\n[https://inews.co.uk/inews-lifestyle/work/small-businesses-coronavirus-lockdown-rise-micro-start-ups-job-security-639634] \nduring lockdown, with a 14% increase in the number of startups with 9 employees\nor fewer. Website host GoDaddy also says 15% of new UK entrepreneurs made the\nleap after being furloughed or losing their job.\n\nTech jobs drive\nJob vacancies in the tech sector are up 36% since early June\n[https://www.thetimes.co.uk/edition/business/tech-firms-blaze-trail-with-huge-jobs-drive-jbr507j07]\n*, posting the second-highest number of roles after healthcare. In Belfast and\nCambridge, 1 in 4 employees now work in tech companies, and it’s 1 in 5 in\nGlasgow, Edinburgh, Bristol, and more.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
HMRC estimates that up to £3.5 billion may have been wrongly paid out via the furlough scheme. It reckons error or fraud affected 5-10% of wage payments the government has made since March. HMRC plans to go after employers who set out to defraud the system, including 27,000 \"high risk\" cases where large amounts of money may have gone missing.
Homebuyers are seeking more space, with outer London boroughs boosting prices in the capital. Merton and Sutton saw the fastest growth, where prices jumped more than 3% in the year to July according to Zoopla’s house price index. Zoopla says it’s seen the highest demand for homes with at least 3 bedrooms.
August was another month of growth for retail, but it’s still making up for sales lost over lockdown. Sales rose by 3.9% compared to last year, according to the British Retail Consortium (BRC). Online shopping is leading the way, with brick and mortar stores struggling to keep up.
Laid-off Brits have been busy starting businesses during lockdown, with a 14% increase in the number of startups with 9 employees or fewer. Website host GoDaddy also says 15% of new UK entrepreneurs made the leap after being furloughed or losing their job.
Job vacancies in the tech sector are up 36% since early June*, posting the second-highest number of roles after healthcare. In Belfast and Cambridge, 1 in 4 employees now work in tech companies, and it’s 1 in 5 in Glasgow, Edinburgh, Bristol, and more.
","url":"https://multiply.ghost.io/3-5-billion-furlough-fraud/","uuid":"9e722ad6-7674-4604-9b46-b25c82cd3ed4","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f573de86507a80039be7c16"}},{"node":{"id":"Ghost__Post__5f55effc6507a80039be7bfc","title":"Brexit deal override?","slug":"brexit-deal-override","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/09/Multiply-minute-4.png","excerpt":"Government ministers are planning new legislation that would override part of last year’s EU withdrawal agreement.","custom_excerpt":"Government ministers are planning new legislation that would override part of last year’s EU withdrawal agreement.","created_at_pretty":"07 September, 2020","published_at_pretty":"07 September, 2020","updated_at_pretty":"07 September, 2020","created_at":"2020-09-07T08:31:56.000+00:00","published_at":"2020-09-07T08:49:45.000+00:00","updated_at":"2020-09-07T08:59:12.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nNew Brexit law\nAs negotiators limber up for the 8th round of Brexit trade talks tomorrow,\ngovernment ministers are planning new legislation\n[https://www.bbc.co.uk/news/uk-politics-54051933] that would override part of\nlast year’s EU withdrawal agreement. The legislation would remove new customs\narrangements, that were designed to prevent checks between Northern Ireland and\nIrish Republic. The government says it’s a standby plan in case trade talks\nfail.\n\nSlower house price growth\nHouse prices will grow by 2%\n[https://www.cityam.com/uk-house-prices-growth-to-remain-muted-after-coronavirus-lockdown/] \nthis year according to predictions by Knight Frank. Most of that growth will be\ndriven by areas outside London, while prices in the capital are predicted to\ndrop by 3%. The biggest driver of price increases? Demand for more outside\nspace.\n\nLeasehold homes mis-sold?\nThe Competition and Markets Authority (CMA) is threatening to take 4 of the UK’s\nbiggest house builders to court. The watchdog says it has new evidence that they\nhave mis-sold leasehold homes [https://www.bbc.co.uk/news/business-54023631].\nMillions of homes in the UK are leasehold, and some homeowners say they’re\ncaught in a trap of rising ground rents and unfair fees.\n\nExtend furlough\nThe UK’s foremost manufacturing group, Make UK, has said the country risks\nlosing key skills\n[https://www.theguardian.com/uk-news/2020/sep/07/extend-uk-furlough-or-risk-job-cuts-and-loss-of-key-skills-warn-manufacturers]\n, unless the furlough scheme is extended for some industries. It also warned\nthat the UK’s long-term competitiveness is at risk. The furlough scheme is due\nto end in October, but 62% of manufacturing firms say it should be extended.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
As negotiators limber up for the 8th round of Brexit trade talks tomorrow, government ministers are planning new legislation that would override part of last year’s EU withdrawal agreement. The legislation would remove new customs arrangements, that were designed to prevent checks between Northern Ireland and Irish Republic. The government says it’s a standby plan in case trade talks fail.
House prices will grow by 2% this year according to predictions by Knight Frank. Most of that growth will be driven by areas outside London, while prices in the capital are predicted to drop by 3%. The biggest driver of price increases? Demand for more outside space.
![](\"https://multiply.ghost.io/content/images/2020/09/image-14.png\")
The Competition and Markets Authority (CMA) is threatening to take 4 of the UK’s biggest house builders to court. The watchdog says it has new evidence that they have mis-sold leasehold homes. Millions of homes in the UK are leasehold, and some homeowners say they’re caught in a trap of rising ground rents and unfair fees.
The UK’s foremost manufacturing group, Make UK, has said the country risks losing key skills, unless the furlough scheme is extended for some industries. It also warned that the UK’s long-term competitiveness is at risk. The furlough scheme is due to end in October, but 62% of manufacturing firms say it should be extended.
","url":"https://multiply.ghost.io/brexit-deal-override/","uuid":"d502daf9-7c27-4ac1-914c-39b04d012830","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f55effc6507a80039be7bfc"}},{"node":{"id":"Ghost__Post__5f51fa7d6507a80039be7bef","title":"Homes selling in days","slug":"homes-selling-in-days","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/09/Multiply-minute-3.png","excerpt":"The number of homes are selling within a week has hit a 10-year high.","custom_excerpt":"The number of homes are selling within a week has hit a 10-year high.","created_at_pretty":"04 September, 2020","published_at_pretty":"04 September, 2020","updated_at_pretty":"04 September, 2020","created_at":"2020-09-04T08:27:41.000+00:00","published_at":"2020-09-04T08:32:20.000+00:00","updated_at":"2020-09-04T08:32:20.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nHomes snapped up\nThe number of homes are selling within a week\n[https://www.theguardian.com/business/2020/sep/04/pent-up-demand-after-covid-lockdown-fuels-uk-house-sales-surge] \nhas hit a 10-year high, according to Rightmove. Summer is usually a sleepy time\nfor the housing market, but this year it’s been boosted by the release of\npent-up demand plus the stamp duty cut. In July and August over 33,000 homes\nsold within a week of going on the market - twice as many as last year.\n\nHS2 work begins\nThe first shovels are in the ground to start work on the controversial HS2 rail\nproject, which officially kicks off today. The companies in charge of building\nthe line claim that they’ll create 22,000 jobs\n[https://www.bbc.co.uk/news/business-54010727] over the next few years.\n\nGet your 5-a-day\nPret’s giving everyone the jitters with its caffeinated plans to get everyone\ndrinking litres of coffee with its new subscription service\n[https://www.cityam.com/pret-a-manger-launches-coffee-subscription-to-battle-lockdown-sales-slump/]\n. For £20 a month, coffee lovers can get up to 5 hot drinks every day for free.\nThe service will open for business on 8th September.\n\nQuarantine confusion\nFrom today, holidaymakers in Portugal, French Polynesia, and some Greek islands\nwill have to quarantine when they get home\n[https://www.bbc.co.uk/news/uk-54022411]. But only if home is in Wales. If they\nlive in Scotland, they have until tomorrow at 4am to get back, and if they live\nin England or Northern Ireland? No need to quarantine at all. The split rules\nhave confused many, and meant some people booked expensive last-minute flights\nto avoid a quarantine that’s not going ahead.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
The number of homes are selling within a week has hit a 10-year high, according to Rightmove. Summer is usually a sleepy time for the housing market, but this year it’s been boosted by the release of pent-up demand plus the stamp duty cut. In July and August over 33,000 homes sold within a week of going on the market - twice as many as last year.
The first shovels are in the ground to start work on the controversial HS2 rail project, which officially kicks off today. The companies in charge of building the line claim that they’ll create 22,000 jobs over the next few years.
Pret’s giving everyone the jitters with its caffeinated plans to get everyone drinking litres of coffee with its new subscription service. For £20 a month, coffee lovers can get up to 5 hot drinks every day for free. The service will open for business on 8th September.
From today, holidaymakers in Portugal, French Polynesia, and some Greek islands will have to quarantine when they get home. But only if home is in Wales. If they live in Scotland, they have until tomorrow at 4am to get back, and if they live in England or Northern Ireland? No need to quarantine at all. The split rules have confused many, and meant some people booked expensive last-minute flights to avoid a quarantine that’s not going ahead.
","url":"https://multiply.ghost.io/homes-selling-in-days/","uuid":"172694f8-e592-4b79-8d82-c9a600296493","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f51fa7d6507a80039be7bef"}},{"node":{"id":"Ghost__Post__5f50ad366507a80039be7bc4","title":"Mortgage availability falls","slug":"mortgage-availability-falls","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/09/Multiply-minute-2.png","excerpt":"There are currently just 60 mortgage deals on the market for homebuyers with a 10% deposit","custom_excerpt":"There are currently just 60 mortgage deals on the market for homebuyers with a 10% deposit","created_at_pretty":"03 September, 2020","published_at_pretty":"03 September, 2020","updated_at_pretty":"03 September, 2020","created_at":"2020-09-03T08:45:42.000+00:00","published_at":"2020-09-03T09:13:07.000+00:00","updated_at":"2020-09-03T09:13:07.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nMortgage drought\nThere are currently just 60 mortgage deals\n[https://www.bbc.co.uk/news/business-54000714] on the market for homebuyers with\na 10% deposit - back in March, there were 779 to choose from. The data from\nMoneyfacts shows availability of 90% mortgages has plummeted since the start of\nthe coronavirus crisis. Why? Lenders want to spread their risk of getting into\nnegative equity if house prices fall.\n\nRapid test funding\nThe government is putting £500 million\n[https://uk.reuters.com/article/uk-health-coronavirus-britain-testing/britain-to-fund-expansion-of-rapid-covid-19-test-trials-idUKKBN25T3FD] \ninto trials of rapid coronavirus tests. The contenders include a new 20-minute\ntest and a trial which regularly tests a whole population, even if they don’t\nhave symptoms. It’s hoping that a viable test will help us get back to normal\nmore quickly.\n\nCheap theatre tickets?\nLondon’s West End is calling for a voucher scheme\n[https://www.cityam.com/london-theatres-call-for-ticket-discount-scheme-to-revive-west-end/] \nto boost ticket sales and bring people back to the once-vibrant theatre\ndistrict. Tickets for indoor performances are now on sale again, but footfall in\nthe area remains low. The Centre for London thinktank says a discount like “eat\nout to help out” could help struggling theatres.\n\nBuy now, pay never?\nMore shoppers than ever are choosing to “buy now, pay later”, but 60% of\nborrowers don’t count it as real debt\n[https://www.telegraph.co.uk/money/consumer-affairs/buy-now-pay-never-shoppers-use-controversial-lenders-purchase/]\n*. Debt management firm Freeze Debt also found that 40% use the service to fund\npurchases they couldn’t otherwise afford. Buy now, pay later has seen a surge in\npopularity lately thanks to the lockdown online shopping boom.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
There are currently just 60 mortgage deals on the market for homebuyers with a 10% deposit - back in March, there were 779 to choose from. The data from Moneyfacts shows availability of 90% mortgages has plummeted since the start of the coronavirus crisis. Why? Lenders want to spread their risk of getting into negative equity if house prices fall.
![](\"https://multiply.ghost.io/content/images/2020/09/image-11.png\")
The government is putting £500 million into trials of rapid coronavirus tests. The contenders include a new 20-minute test and a trial which regularly tests a whole population, even if they don’t have symptoms. It’s hoping that a viable test will help us get back to normal more quickly.
London’s West End is calling for a voucher scheme to boost ticket sales and bring people back to the once-vibrant theatre district. Tickets for indoor performances are now on sale again, but footfall in the area remains low. The Centre for London thinktank says a discount like “eat out to help out” could help struggling theatres.
More shoppers than ever are choosing to “buy now, pay later”, but 60% of borrowers don’t count it as real debt*. Debt management firm Freeze Debt also found that 40% use the service to fund purchases they couldn’t otherwise afford. Buy now, pay later has seen a surge in popularity lately thanks to the lockdown online shopping boom.
![](\"https://multiply.ghost.io/content/images/2020/09/image-12.png\")
The 1-minute read to get the money news you need with expert adviser commentary.
The housing market seems to be recovering from its coronavirus slump, recording a 2% price jump in August according to Nationwide. The mortgage provider says it’s the biggest monthly rise since 2004. That puts the price of homes at an all-time high, with the average pad now costing £224,123.
![](\"https://multiply.ghost.io/content/images/2020/09/image-10.png\")
The government is urging businesses to sign up to the Kickstart scheme to create 6-month work placements for under 25s. Participating employers will get £1,500 to help train up new recruits, and the government will pay their wages up to 25 hours per week. Around half a million people are eligible for the work placements, which should be available from November.
HSBC may be planning to reduce the number of mortgages it gives out to first-time buyers, after the recent surge in demand has caught it unaware. As one of the only lenders offering 90% mortgages, the bank says it's flooded with applications from buyers with small deposits.
![](\"https://multiply.ghost.io/content/images/2020/09/image-9.png\")
There are bargains to be had in shops at the moment, as retailers push deals and discounts to bring buyers back to the high streets. Shop prices fell 1.6% in August - even more than in July. Supermarkets are still doing well though, buoyed by families enjoying their summer holidays in the UK.
","url":"https://multiply.ghost.io/house-prices-hit-record-high/","uuid":"3e6f4f9c-d7e0-460a-9f1c-e6cc2de1459f","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f4f59266507a80039be7b89"}},{"node":{"id":"Ghost__Post__5f4e05456507a80039be7b40","title":"Back to school","slug":"back-to-school","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/09/Multiply-minute.png","excerpt":"The government's encouraging workers back into offices to bring some life (and cash) to struggling city centres. ","custom_excerpt":"The government's encouraging workers back into offices to bring some life (and cash) to struggling city centres. ","created_at_pretty":"01 September, 2020","published_at_pretty":"01 September, 2020","updated_at_pretty":"01 September, 2020","created_at":"2020-09-01T08:24:37.000+00:00","published_at":"2020-09-01T09:43:18.000+00:00","updated_at":"2020-09-01T09:43:18.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Annie Mellor","slug":"annie","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nSave Pret\nThe government's encouraging workers back into offices\n[https://news.sky.com/story/mps-go-back-to-work-as-the-prime-minster-urges-the-rest-of-the-uk-to-do-the-same-12060693] \nto bring some life (and cash) to struggling city centres. The first step?\nParents deciding to send their kids to school. Many schools reopen today, and\nMPs lead the way in returning to parliament after the summer recess. \n\n1 in 4 need BOMAD\nThis year, an estimated 23% of homebuyers will need help\n[https://www.theguardian.com/money/2020/sep/01/more-uk-homebuyers-turn-to-bank-of-mum-and-dad-as-covid-crisis-bites] \nfrom the “bank of mum and dad”. Last year it was 19%. The figures from Legal &\nGeneral include help from parents, grandparents, and other family and friends.\nBOMAD support will be a main driver of the property market’s recovery as\nmortgage lenders stay cautious about buyers with small deposits.\n\nThe 7 year fix\nVirgin Money has launched a new 90% mortgage\n[https://www.telegraph.co.uk/personal-banking/mortgages/new90pc-first-time-buyer-mortgage-launched-25000-catch/]\n* - but there is a catch. It’s a 7 year fixed deal, with a hefty penalty of 7%\nof the mortgage balance if you want to sell or remortgage before it ends.\n\nTrust Fund kids\nAnyone turning 18 from now could get their hands on £1,000 or more as the first\nof 4.5 million Child Trust Fund accounts will mature this month\n[https://www.bbc.co.uk/news/business-53935933]. The government scheme started in\n2002 and gave vouchers to help kids save for the future. There’s a free tracing\nservice [https://findctf.sharefound.org/] to help teens track down lost trust\nfunds.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
The government's encouraging workers back into offices to bring some life (and cash) to struggling city centres. The first step? Parents deciding to send their kids to school. Many schools reopen today, and MPs lead the way in returning to parliament after the summer recess.
![](\"https://multiply.ghost.io/content/images/2020/09/image-7.png\")
This year, an estimated 23% of homebuyers will need help from the “bank of mum and dad”. Last year it was 19%. The figures from Legal & General include help from parents, grandparents, and other family and friends. BOMAD support will be a main driver of the property market’s recovery as mortgage lenders stay cautious about buyers with small deposits.
![](\"https://multiply.ghost.io/content/images/2020/09/image-3.png\")
Virgin Money has launched a new 90% mortgage* - but there is a catch. It’s a 7 year fixed deal, with a hefty penalty of 7% of the mortgage balance if you want to sell or remortgage before it ends.
Anyone turning 18 from now could get their hands on £1,000 or more as the first of 4.5 million Child Trust Fund accounts will mature this month. The government scheme started in 2002 and gave vouchers to help kids save for the future. There’s a free tracing service to help teens track down lost trust funds.
","url":"https://multiply.ghost.io/back-to-school/","uuid":"7f8b776e-ab53-4a02-ad51-2979b501584e","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f4e05456507a80039be7b40"}},{"node":{"id":"Ghost__Post__5f48d12e5691110039d7ad61","title":"64 million meals claimed","slug":"64-million-meals-claimed","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/08/Multiply_minute--2--3.png","excerpt":"The hospitality sector has received a “shot in the arm”, as the “eat out to help out” scheme has seen 64 million discounted meals claimed - one for every person in Britain. ","custom_excerpt":"The hospitality sector has received a “shot in the arm”, as the “eat out to help out” scheme has seen 64 million discounted meals claimed - one for every person in Britain. ","created_at_pretty":"28 August, 2020","published_at_pretty":"28 August, 2020","updated_at_pretty":"28 August, 2020","created_at":"2020-08-28T09:41:02.000+00:00","published_at":"2020-08-28T09:43:17.000+00:00","updated_at":"2020-08-28T09:43:17.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Tim Elder","slug":"tim","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Tim Elder","slug":"tim","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nEating out fuels the economy\nThe hospitality sector has received a “shot in the arm”, as the “eat out to help\nout” scheme has seen 64 million discounted meals claimed\n[https://www.theguardian.com/business/2020/aug/28/eat-out-to-help-out-fuels-uk-economic-recovery-in-august-covid-19] \n- one for every person in Britain. Retail sales have also increased to\npre-pandemic levels, thanks to relaxed restrictions.\n\nPension shortchange\nThink-tank, Resolution Foundation, estimates that 1 in 20 employees are not\nreceiving the pension that they are due\n[https://www.ft.com/content/653cb8a9-7a3f-49e0-8754-1e459d3d7494]*. Agency,\npart-time, temporary, and low-paid workers were found to be at the greatest\nrisk. Workers are either not being enrolled, or are receiving contributions\nbelow the legal minimum.\n\nHMRC crackdown on holiday homes\nLandlords are being caught out for not declaring income from international\nholiday homes, with penalties being up to double the tax owed\n[https://www.telegraph.co.uk/tax/income-tax/thousands-landlords-caught-hmrc-cracks-holiday-home-owners/]\n. The tax office now automatically collects data from foreign bank accounts, and\ninvestigators are gathering evidence from the social media accounts of suspected\nindividuals.\n\nAdviser comment: It’s not just foreign property income. Any foreign income\nwhether it be foreign wages, investment income such as dividends or interest and\nany pensions in payment also need to be declared.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
The hospitality sector has received a “shot in the arm”, as the “eat out to help out” scheme has seen 64 million discounted meals claimed - one for every person in Britain. Retail sales have also increased to pre-pandemic levels, thanks to relaxed restrictions.
Think-tank, Resolution Foundation, estimates that 1 in 20 employees are not receiving the pension that they are due*. Agency, part-time, temporary, and low-paid workers were found to be at the greatest risk. Workers are either not being enrolled, or are receiving contributions below the legal minimum.
Landlords are being caught out for not declaring income from international holiday homes, with penalties being up to double the tax owed. The tax office now automatically collects data from foreign bank accounts, and investigators are gathering evidence from the social media accounts of suspected individuals.
Adviser comment: It’s not just foreign property income. Any foreign income whether it be foreign wages, investment income such as dividends or interest and any pensions in payment also need to be declared.
","url":"https://multiply.ghost.io/64-million-meals-claimed/","uuid":"a7e2ba5b-2c7a-4642-9fd4-0c2f2cec1f56","page":null,"codeinjection_foot":null,"codeinjection_head":null,"codeinjection_styles":null,"comment_id":"5f48d12e5691110039d7ad61"}},{"node":{"id":"Ghost__Post__5f476db7c2a21a0039025d31","title":"£13 a day to self isolate","slug":"title","featured":false,"feature_image":"https://multiply.ghost.io/content/images/2020/08/Multiply_minute--2--2.png","excerpt":"The government has announced payments of £13 per day will be given to people on low incomes who are self-isolating in areas that are deemed to be at high risk from coronavirus.","custom_excerpt":"The government has announced payments of £13 per day will be given to people on low incomes who are self-isolating in areas that are deemed to be at high risk from coronavirus.","created_at_pretty":"27 August, 2020","published_at_pretty":"27 August, 2020","updated_at_pretty":"27 August, 2020","created_at":"2020-08-27T08:24:23.000+00:00","published_at":"2020-08-27T09:13:38.000+00:00","updated_at":"2020-08-27T09:13:48.000+00:00","meta_title":null,"meta_description":null,"og_description":null,"og_image":null,"og_title":null,"twitter_description":null,"twitter_image":null,"twitter_title":null,"authors":[{"name":"Tim Elder","slug":"tim","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null}],"primary_author":{"name":"Tim Elder","slug":"tim","bio":null,"profile_image":null,"twitter":null,"facebook":null,"website":null},"primary_tag":null,"tags":[{"name":"#feed","slug":"hash-feed","description":null,"feature_image":null,"meta_description":null,"meta_title":null,"visibility":"internal"},{"name":"multiply-minute","slug":"multiply-minute","description":"The 1-minute read to get the money news you need with expert adviser commentary","feature_image":null,"meta_description":null,"meta_title":null,"visibility":"public"}],"plaintext":"The 1-minute read to get the money news you need with expert adviser commentary.\n\nPayments for those self isolating\nThe government has announced payments of £13 per day\n[https://news.sky.com/story/coronavirus-payment-to-be-given-to-people-on-low-incomes-isolating-in-high-risk-areas-12057406] \nwill be given to people on low incomes who are self-isolating in areas that are\ndeemed to be at high risk from coronavirus. The payments will be available to\npeople who cannot work from home and who would otherwise lose income as a result\nof having to self-isolate.\n\nPent-up demand speeds up home sales\nAccording to property portal Zoopla, in the 90 days to mid-August, a\nthree-bedroom home has typically sold in just 24 days\n[https://www.bbc.co.uk/news/business-53919558] - 12 days quicker than the same\nperiod a year ago. Its research suggested that all types of property have been\nselling faster and that buyer appetite has been widely attributed to pent-up\ndemand, the stamp duty holiday, and the nation collectively reassessing what it\nwants and needs from a home.\n\nRolls-Royce suffers record loss as travel slumps\nThe engineering giant, which makes jet engines, has reported record losses\n[https://www.bbc.co.uk/news/business-53929215] of £5.4bn for the first half of\nthe year, following the drastic fall in air travel because of the coronavirus\noutbreak. The company is in the middle of the biggest restructuring in its\nhistory that will see the company slash its global workforce by a fifth and\nreduce the number of sites it has worldwide from eleven to six, including\nclosing factories in Nottinghamshire and Lancashire.","html":"The 1-minute read to get the money news you need with expert adviser commentary.
The government has announced payments of £13 per day will be given to people on low incomes who are self-isolating in areas that are deemed to be at high risk from coronavirus. The payments will be available to people who cannot work from home and who would otherwise lose income as a result of having to self-isolate.
According to property portal Zoopla, in the 90 days to mid-August, a three-bedroom home has typically sold in just 24 days - 12 days quicker than the same period a year ago. Its research suggested that all types of property have been selling faster and that buyer appetite has been widely attributed to pent-up demand, the stamp duty holiday, and the nation collectively reassessing what it wants and needs from a home.
The engineering giant, which makes jet engines, has reported record losses of £5.4bn for the first half of the year, following the drastic fall in air travel because of the coronavirus outbreak. The company is in the middle of the biggest restructuring in its history that will see the company slash its global workforce by a fifth and reduce the number of sites it has worldwide from eleven to six, including closing factories in Nottinghamshire and Lancashire.
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