Day: January 8, 2024

Amazon Dunfermline supports local school

Employees from the Amazon fulfilment centre in Dunfermline honed their DIY skills when they spent the day volunteering at a local high school.

The Amazon team volunteered at Lochgelly High School, a proud and ambitious learning community where everyone strives to achieve their best.

A group of six colleagues from the Amazon team spent over 40 hours at the school painting and building furniture to assist the school with turning a staff resource room into a new classroom.

Thanks to the efforts of the team from Amazon in Dunfermline, the school has saved around £3,000 in refurbishing. The Amazon team also donated school essentials including clothing, school bags and school meals worth over £8,000.

Jamie Strain, General Manager at Amazon in Dunfermline, said: “Our team really enjoyed helping transform the staff resource room at Lochgelly High School into a new classroom.

“I hope the students and teachers are pleased with the results and that they enjoy their new learning environment.”

Kim Skelton, who led the volunteering from Amazon in Dunfermline, added: “I love helping people, especially when it’s for our local community.

“As a team at Amazon in Dunfermline, we feel very rewarded that we can help the staff and pupils by donating essential goods. The donations have already brought tears to families who have been able to utilise the products.

“The school has acted as a hub for local families in need and it’s been a lifeline to most this time of year.”

Melissa Mann, a teacher from Lochgelly High School, said: ““Everyone at Lochgelly High School would like to thank Jamie, Kim and the team at Amazon in Dunfermline for their amazing work converting the staff resource room into a classroom.

“We are so appreciative of their help – it would have taken us much longer to make the transformation happen without them.”

The volunteering and donation to the school is the latest in a number of support programmes between Amazon and Lochgelly High School in 2023.

Earlier last year, drama and media studies students from the school visited FirstStage Studios, in Leith, for an exclusive behind-the-scenes tour aimed at inspiring and nurturing young creative talent in Scotland.

At the studio, the students saw how The Rig, which first premiered on Prime Video in January 2023, was filmed and had careers talks with the crew and cast, including Scottish actor Martin Compston.

Lochgelly High School has also taken part in Amazon Future Engineer Class Chats, part of Amazon’s computer science education programme that provides free access to STEM learning resources, including virtual school trips, coding courses, and career talks. As part of Lochgelly’s participation in the programme, Amazon UK Country Manager John Boumphrey spoke to students from Lochgelly High School about his career experience and unique insights.

The Amazon Future Engineer Class Chats programme brings both live and on-demand virtual career talks directly into UK classrooms. Amazon employees working in a wide variety of roles share their insights and experiences with school students, engaging young people about their future opportunities.

Community donations and employee volunteering are just two of the ways Amazon supports the communities in and around its operating locations across the UK.

Since the start of 2022, 1.5 million essential products have been donated to more than 150,000 families in need across Scotland and Greater Manchester by a charity initiative called The Multibank.

Founded by Amazon, former Prime Minister Gordon Brown, the Cottage Family Centre in Kirkcaldy, The Multibank in Lochgelly, known locally as ‘The Big Hoose,’ offers an emergency service for families fighting poverty, providing surplus essentials like nappies, toilet rolls, toothpaste and school uniforms, donated by businesses like Amazon and others, directly to those in need and so helping to reduce waste.

Learn more about the ways Amazon supports its communities

Holyrood Committee to scrutinise amendment to Gender Representation on Public Boards Act

A change to the Gender Representation on Public Boards Act 2018 will be scrutinised by Holyrood’s Equalities, Human Rights and Civil Justice Committee.

The Gender Representation on Public Boards Amendment (Scotland) (Bill) was introduced by the Scottish Government to amend the 2018 Act. The new Bill will remove the definition of “woman” in section 2 the 2018 Act, following a decision of the Court of Session made on 18 February 2023.

The specific definition that this short Bill will remove is: ““woman” includes a person who has the protected characteristic of gender reassignment (within the meaning of section 7 of the Equality Act 2010) if, and only if, the person is living as a woman and is proposing to undergo, is undergoing or has undergone a process (or part of a process) for the purpose of becoming female”.

The change will be scrutinised by the Committee, before it reports its findings to the Parliament as a whole.

The Committee has today opened a call for views to ensure people can share their views on the proposed change.

Kaukab Stewart MSP, Convener of the Equalities, Human Rights and Civil Justice Committee, said: “This Bill aims to make change the Gender Representation on Public Boards act, ensuring that the Parliament’s statute book is in compliance with recent rulings of the Court of Session.

“We want to ensure that the Government’s approach in this Bill does what it intends to do.

“If you have views on the proposal in the Bill, please share them with us in our call for views.”

The call for views is open today, Monday 8 January 2024, and will close on Monday 29 January 2024: 

https://yourviews.parliament.scot/ehrcj/gender-representation-public-boards-bill

Debt surge: How much are UK households saving?

Recent reports state that UK households are to face a forecasted 11% increase in credit card and loan debt in 2024, as well as warnings of a £17,600 debt surge by 2026.

In a recent study by CityIndex, UK households are saving just 3.25% of their disposable income amid the soaring cost of living crisis – a figure that is expected to change if debt levels reach their predicted peak.

The study analysed global data on household savings, including mean disposable income, mean household savings and long-term interest rates, to ultimately discover the countries with the highest household savings in the world.

Key findings:

  • UK households save an average of 3.25% of their earnings per annum.
  • Households in the United Kingdom make almost as much as those in Sweden, but they get to save three times less 
  • Switzerland leads the rating with a total savings score of 9.83/10, and the lowest mean long-term interest rates
  • Sweden stands out for lower than average long-term interest rates

The countries with the highest household savings:

 County Mean household disposable income in USD*Mean household savings in USD from disposable income*% of disposable income put toward savingsMean long-term interest ratesTotal savings score
1.Switzerland$35,311$590817%1.449.83
2.Luxembourg$40,395$30288%2.359.69
3.United States of America $42,592$29617%3.219.67
4.Chile$14,004$153211%5.199.63
5.Germany$32,997$356811%2.289.62
6.Austria$31,792$305810%2.619.55
7.Netherlands $31,304$24758%2.479.51
8.France$29,663$287610%2.629.49
9.Belgium$29,837$27789%2.759.48
10.Sweden$28,611$281410%2.559.47
17.United Kingdom$28,222$9183.25%39.26

Data is calculated between 2000-2022. *Mean household disposable income & savings are calculated per annum. Exchange rates may have an impact on the final rankings; for clarification, see the methodology.

The United Kingdom ranked 17th out of the 35 countries analyzed. While UK households have a mean household disposable income of $28,222 (£22,956), which is not far from Sweden, which made it into the top 10, only a mere 3.25% is put towards their savings. 

Amid the ongoing cost of living crisis, essential expenses like housing, utilities, and groceries are dwindling the funds available for savings.

With food prices experiencing their most rapid increase in the last 45 years and utility bills soaring, households find themselves with limited support, unsurprisingly resulting in scarily low savings rates. Furthermore, the substantial debt obligations, encompassing loans and mortgages, absorb a significant portion of the income of UK residents, especially now when mortgage rates have peaked.

Top 3 Countries With The Highest Savings Per Household 

Switzerland residents have the highest household savings with a total savings score of 9.83 out of 10. Households in Switzerland save 17% of their gross income, with $5,908 per year saved on average between 2000-2022. This is 48% higher than the neighbouring country of Austria ($3,058) in the same time period, despite having a similar population size. Switzerland also has the lowest long-term interest rates at 1.44 since 2000 — 63% lower than the long-term interest rates in Luxembourg (2.345).

Luxembourg ranks second with a total savings score of 9.69/10. The country has the second-highest household disposable income between 2000-2022 ($40,398), 35% higher than in the neighbouring country of Belgium ($29,837). Luxembourg residents have mean household savings of $3,028, with 8% of their disposable income put toward savings. Not only this, Luxembourg’s long-term interest rates stand at 2.35, which are the third lowest interest rates globally behind Switzerland (1.44) and Germany (2.28).

The US ranks 3rd, with a total savings score of 9.67 out of 10. With the dollar exchange rate taken into account, the USA has the highest mean household disposable income in the ranking  ($42,592), 45% higher than Canada ($29,442) and 3 times higher than Mexico ($14,102). CityIndex found that American residents have a mean average household savings of $2,961, with 7% of their disposable income going into their savings.

Other countries with notable savings findings  

Chile ranks fourth with a total savings score of 9.63 out of 10. Chile has one of the highest long-term interest rates (5.19) and the lowest mean disposable income at $14,004. Despite this, Chile residents manage to put 11% of their disposable income towards their savings — 3% more than Luxembourg in second place — equating to $1,532 in mean household savings.

Germany, which ranks 5th, was found to have the second highest mean household savings ($3,568), 21% higher than in the neighbouring country of France ($2,876). Not only this, but  the country has the fourth lowest long-term interest rates on the list (2.28), 19% lower than in Belgium (2.75).

Sweden stands out for lower than average long-term interest rates. The country ranks 10th, with a total savings score of 9.47 out of 10. Swedish households have a mean household disposable income of $28,611, over double that of Poland ($16,736), putting 10% of this toward their savings on average.

Sweden has a lower-than-average long-term interest rate compared to other countries in the ranking (2.55) along with impressive mean household savings ($2,814), 12 times more than Finland ($242).

 https://www.cityindex.com/en-uk/.

NFU Mutual: Five tax tips for self-assessment returns 

After HMRC revealed 5.7million people still need to submit their tax return before the January 31 deadline, NFU Mutual Chartered Financial Planner Sean McCann shares five top tips:

1. Don’t forget to claim higher rate tax relief on pension contributions

Sean said: “Millions more people are paying a higher rate of income tax thanks to the long-term freeze on the £50,270 threshold, and the Office for Budget Responsibility estimate six million paid higher or additional rate income tax in 2022/23.

“When you pay into your pension, for every £80 you pay in, your pension provider will get another £20 direct from HMRC. If you pay 40% or 45% income tax you’ll need to claim the extra 20% or 25% tax relief via your tax return.

“Many higher and additional rate taxpayers do not do this, potentially missing out on thousands of pounds in unclaimed tax relief. Those who crossed the 40% threshold for the first time in the last tax year may be unaware that they are entitled to a rebate.

“Additionally, if you haven’t claimed on previous year’s tax returns, you can go back up to four years and claim any higher rate relief due by contacting HMRC direct.”

You can claim it here

2. Get help with the cost of professional subscriptions

Sean said: “If you need to be a member of a professional organisation to do your job, and your employer hasn’t paid the subscription for you, you may be able to claim tax relief on the cost. There is a long list of approved professional organisations on HMRC’s website.”

Available here.

3. Watch out for the Child benefit tax trap

Sean said: “If you’re the highest earner in your household with an income of more than £50,000, and you or your partner claim child benefit, you’ll need to pay the child benefit tax charge. For every £100 of income you have over £50,000 you pay back one per cent of the child benefit. Once your income reaches £60,000 you repay the full amount.

“You can become subject to the charge if you moved in with someone who is claiming child benefit, even if they’re not your children. The good news is anything you’ve paid into your pension is knocked off your income before the charge is assessed. If it reduces your income below £50,000 you won’t need to pay the charge.  

“HMRC sent out more than 127,850 reminders in 2022/23 to people who needed to pay the High Income Child Benefit Tax Charge. Ignoring these letters could land you with interest payments and a fine. HMRC has collected nearly £20m in fines from people who failed to pay this tax since its introduction in 2013.”

4. Charitable donations

Sean said: “If you’ve given to charity via gift aid and you pay higher rate tax, you can claim back additional tax relief through your tax return.

“For example, if you donate £100 via gift aid, the charity will claim an additional £25, to make the total gift £125. If you pay 40% tax, you can reclaim up to an extra £25 for yourself (£125 x 20%).

“Previous research has indicated that only 22% of higher and additional rate taxpayers who donate to charity claim this relief because the perceived effort involved puts many people off.

“However, it is relatively simple to do via a self-assessment tax return and could be worth a lot of money for those who donate significant sums.

“Because more people are being dragged into paying higher rate of income tax, the amount of charity tax relief claimed by higher rate taxpayers has rocketed 34.5% in the past two years from £550m in 2020/21 to £740m in 2022/23.”

5. Don’t forget any capital gains

Sean said: “If you sold or gave away shares in the 2022/23 tax year, you need to declare and pay any tax due on gains made.

“Many people don’t realise that they can face a Capital Gains Tax bill when they gift shares or property – other than their main home – to anyone other than their spouse or civil partner.

“It’s worthwhile checking if you have any losses available to offset any potential bill. Any shares or investment held within an ISA or Pension are normally exempt from Capital gains tax.”

Upstream Battle: Keep Scotland Beautiful’s Week of Action

KEEP Scotland Beautiful’s #UpstreamBattle week of action is taking place from 20- 28 January, and we’ll be hosting events across the week focused on stopping litter’s journey from #Source2Sea.

Find out more about how you can get involved and what is happening near you here:

https://keepscotlandbeautiful.org/upstream-battle/raising-awareness/upstream-battle-week-of-action/

“A New Year and early signs of optimism are emerging after the challenges of 2023″

CONFIDENCE is growing across the property market, a leading expert has said. Jonathan Rolande said new data released by RightMove, which showed soaring interest on Boxing Day, was matched by green-shoots of recovery in other areas of the sector.

The portal announced this week how, on Boxing Day, there were a record number of homes listed for sale. Rightmove says more than 10,000 new properties came to market, which is the biggest number of new sellers in one day since 2011.

In fact, visits to Rightmove nearly doubled between Christmas Day and Boxing Day. The level of demand from potential home-buyers, measured by the number of enquiries sent to estate agents about homes for sale, jumped too, and more than tripled (+273%) from Christmas Day to Boxing Day.

Mr Rolande, spokesman for the National Association of Property Buyers, said: “There will be many of us working in the property sector who will have raised a glass and toasted seeing the back of 2023.

“The hangover from Liz Truss’ botched mini-budget created huge problems across the market, and it was only through Autumn and Winter that we started to see the first signs of recovery.  But, as we kick off the New Year, there are already some green-shoots on the horizon.

“I do sense a shift in the market and there are early signs, albeit fragile, of positivity. Banks have started fighting for mortgage business and are cutting rates to levels we’ve not seen in around seven months. Long may this continue. And, crucially, confidence is rising too among buy-to-let landlords. 

“But confidence can only take you so far. There is still a chronic shortage of family homes across far too many parts of the UK. The crazy prices and mass viewings may have gone. But demand still outstrips the supply of decent homes, and remedying this will help to steady prices.  

“Rental is still a disaster for too many would-be tenants. Stock is low. Rents are high. And this makes buying a home much more appealing.  People I speak to, who know I’m in the industry, are no longer asking if it is the right time to buy.  Instead they are asking for tips on finding somewhere to buy.”

Mr Rolande added: “It’s a small but subtle change but it underlines a shift from hesitation to growing confidence.

“As we enter a General Election year I’m increasingly of the view that the Party who best provide the answers are likely to be the ones who secure the most votes at the next General Election.  A recovering housing market in 2024 is surely a vote-winner for all.”

Edinburgh smokers urged to make quitting their goal in 2024 

EDINBURGH’s smokers are being urged to set the goal of leaving tobacco behind in 2024. 

Charity ASH Scotland is campaigning to improve the physical and mental health of people who smoke by encouraging them to use free expert stop smoking support provided by the NHS. 

Quitting is one of the biggest proactive steps people in Edinburgh who smoke can take to quickly improve health and mental wellbeing, reduce the risk of longer term illness and also save money. 

If a person who smokes decides to make a New Year’s resolution and starts to quit, not only will they find their health will improve by the end of January, in one month an average smoker could also save in the region of £250. 

Sheila Duffy, Chief Executive of ASH Scotland, said: “Tobacco is highly addictive and, although it can take a number of attempts to quit, some people find giving up cigarettes or tobacco easier than they had thought. 

“Don’t be discouraged if you’ve tried before, you’ll have learned something valuable about what did and didn’t work for you it is the best thing you can do for your health, finances and for those around you. 

“You don’t have to quit on your own in the New Year. We’re encouraging people in Edinburgh to seek person-centred support from local stop smoking services or the national stop-smoking service Quit Your Way Scotland. 

“Getting support will give you the confidence to move forward with your quit journey and the tools you need to make the best possible start to 2024.” 

Contact Quit Your Way Scotland by visiting www.QuitYourWay.Scot or by calling the free helpline on 0800 848484. 

ASH Scotland is tackling tobacco head-on by campaigning to reduce the harms caused by smoking. For more information, follow the health charity’s social media channels on Instagram and Facebook. 

Major national drive to improve school attendance in England

Attendance hubs to more than double to support 1,000 more schools and £15 million investment to expand the attendance mentor pilot programme

Driving up attendance and tackling persistent absence is at the centre of new stronger measures launched today as pupils return to school in England.  

More than one million children and young people will be supported into regular education as part of a major expansion of the attendance hubs, which provide a range of tailored support to families and pupils to boost time in school. 

There will be 18 new attendance hubs across six regions, bringing the total to 32 and will see nearly 2,000 schools helped to tackle persistent absence.

Hubs are run by schools with excellent attendance that share practical ideas with other primary, secondary, alternative provision and special schools in England who need help to boost their attendance.

From direct pupil engagement initiatives like breakfast clubs and extracurricular activities, to improving their processes and analysis of attendance data, lead hub schools provide a range of support to schools that they can tailor to their pupils and families.  

The Westminster government is also increasing the direct support offered to children and their families with the expansion of the attendance mentor pilot programme.

With an investment of up to £15million, over three years, this programme will provide direct intensive support to more than 10,000 persistent and severely absent pupils and their families.  

The programme will see trained attendance mentors working in 10 further areas from September 2024. These areas are in addition to the existing pilot programme with Barnardo’s which is already operating in Middlesbrough, Doncaster, Knowsley, Salford, and Stoke on Trent.  

The programme provides intensive one-to-one support to pupils who are persistently absent working with them and their families to find out why the child is skipping school. This can lead to extra support, more intensive work with teachers or in some cases bridge-building between school and family.

Being in school has never been more valuable with standards continuing to rise. 89% of schools are now rated good or outstanding, up from 68% in 2010. We are constantly seeing the success of our reforms rising up the rankings in maths, reading and science.

Just this month, England was ranked 11th in the world for maths, up from 27th in 2009, and in May, England was named ‘best in the west’ for primary reading.

Education Secretary Gillian Keegan said: “The benefits of our success in raising education standards can only be when all children are in school.

“Tackling attendance is my number one priority. We want all our children to have the best start in life because we know that attending school is vital to a child’s wellbeing, development, and attainment as well as impact future career success.

“I am hugely grateful to all our brilliant teachers, heads, and everyone whose worked with us to make the progress we’ve already made with 380,000 fewer children persistently absent.”

Children’s Commissioner Rachel De Souza said: “As Children’s Commissioner, I have made school attendance one of my top priorities because children tell me how much they value their education and want to be in school.

“Every day counts: when children miss school, it’s not just about missing lessons, it’s also about losing valuable moments spent with their friends and teachers.

“I very much welcome the government’s announcements today which include the recommendations made last year in my report on school attendance.

“I am hopeful that these measures will arm local authorities and schools with real-time information about school absence rates and provide vital support for children who face barriers to attending school.”

Chief Executive of Barnardo’s, Lynn Perry MBE, said: “Our Attendance Mentoring pilot scheme shows that one of the best ways to improve attendance is working individually with children, building trust and listening to their concerns.

“Our mentors encourage children to talk openly about issues such as family finances, bullying, or mental health worries – anything they feel may be preventing them from going to school.

“In Middlesbrough, 82% of the children we have worked with improved their attendance through one-on-one support from an attendance mentor, with almost two-thirds of the children saying their mental health also improved.”

Rob Tarn CBE, Chief Executive of Northern Education Trust said: “We are delighted that the hard work around attendance at North Shore Academy has led to significant impact for our students and their outcomes.

“The fact that this work was recognised as a best practice model meant we felt compelled to share what we are doing with other schools and academies in similar contexts and help where we could.

“This was, in essence, the beginning of the attendance hub programme. Seeing this work extended, with more hubs supporting more schools, is a source of great pride for the trust.”

A national communications campaign on the importance of attendance is also launching today targeting parents and carers.

Under the strapline ‘Moments Matter, Attendance Counts’ it outlines the importance of attendance for attainment, wellbeing, and development as well as signposting to advice for further support.  

Key advice includes a recent letter from the Chief Medical Officer that outlines best practice when it comes to attendance and illness.

The intention is to ensure that parents have the guidance they need when it comes to making decisions when deciding to send their child to school or when to keep them home. 

The UK government has also committed to further legislation in the coming months that will mean all schools will be required to share their daily school registers.

This, together with reforming pupil registration practice, will modernise how schools record and share data on attendance and support them to understand what is driving absence in their school and provide early support and intervention where pupils are displaying worrying trends of absence.

Working people reminded they can still qualify for Scottish benefits

Payments not just for those out of work

As many people return to their jobs following the festive break, those in part-time and full-time work have been reminded that they can qualify for Scottish Government benefits.

People in work can receive many of the payments administered by Social Security Scotland, including those designed to help low-income families.

The Scottish Government also delivers Job Start Payment – a one-off payment to help young people who haven’t been working meet the costs of starting a new job.

In Scotland, around one in three people getting Universal Credit are in work, and Universal Credit is a qualifying benefit for several other payments.

Thousands of working people get Scottish Child Payment and the other benefits which make up Social Security Scotland’s five family payments.

These consist of three Best Start Grants – Pregnancy & Baby Payment, Early Learning Payment and School Age Payment – and Best Start Foods.

People with jobs can also qualify for Adult Disability Payment, with qualification not based on employment or income, and one-off payments including Winter Heating Payment and Funeral Support Payment.

Cabinet Secretary for Social Justice Shirley Anne Somerville said: ““In January there are lots of people starting new jobs or returning to work for the first time in a while and I’d urge them to check what benefits they may be eligible for.

“I’d particularly highlight the support available to young people starting in work via Job Start Payment.

“This one-off payment can make a difference with the costs of getting up and running in a new job and again we want to make sure it reaches as many eligible people as possible.

“We are helping people across Scotland through the cost-of-living crisis by committing £6.1 billion in social security benefits and payments. That’s £1.1 billion more than the Block Grant Adjustment received due to spend on comparable benefits by the UK Government.”

 Job Start payment helps with the costs of starting a new job such as paying for travel, work clothes or childcare. Eligible people receive a one-off payment of £294.70 or £471.50 if they are a main carer of any children.

It is available to those between the age of 16 to 24 who are already getting qualifying benefits and have been out of paid work for six months prior to finding a job. Care leavers can apply for a further year (up to the day before their 26th birthday) and only need to be out of work and receiving a qualifying benefit on the day of the job offer, not for the previous 6 months.

 Social Security Scotland administers 14 benefits on behalf of the Scottish Government: Social Security Scotland – Benefits

Are you missing out on benefit entitlements? Call Granton Information Centre on 0131 551 2459 or 0131 552 0458 to arrange an appointment for a benefits check – email appointments@gic.org.uk