Martin Lewis

Se tarkoittaa sitä, että he eivät tiedä asiakkaan ratkaisuja. He eivät vettäisi uudistajia. Se on se, mikä mahdollistaa organisaatiota rikkoja, jotka laittavat heikkoja uudistuksia. 44 prosenttia niistä, joilla on tiettyjä asioita, on minulla. Se on yksi syy, miksi olen niin vettänyt. Jokaisen päivän jälkeen saan viestiä ihmisten, jotka ovat menneet rahaa ja eivät tiedä, mitä tehdä siitä. Ja hallitus ei tehnyt mitään. Luin Facebookin vuonna 2018.

In 2023 we campaigned successfully to change the fact that scam ads weren't covered by the Online Safety Act. They are covered by the Online Safety Act. But we had to put up with the fact that we were told it would be a couple of years, 2025, before Ofcom even started the consultation on how that would be embedded in UK regulation. Well...

We haven't had a consultation. It still hasn't come out. We're being told it'll be later this year. That means it'll be the end of 2027 before anything is done. And even those rules only cover the biggest tech firms. They don't cover online gaming, they don't cover network ads that you see at the bottom of newspapers and other sites, and a whole host of other things. And the government...

Tämä hallitus, aiemmin hallitukset, kaikki hallitukset, ovat vain mahdollistaneet tästä täysin vahvaa sääntöä, koska he uskovat, että he voivat ottaa tehtävänsä tehtävänsä. No, tässä ei ole moraalista kysymystä. 4 miljardia euroa ajan tehtävänsä sääntöjä, joita ihmiset heittävät, on täysin vaarallista. Joten, kuten suomalainen ministeri sanoi, jos hyödyntäisit vaarallisesta ja väärästä, niin menetät oikeuden itsellesi sääntöä.

Well, they have lost that right, and we need to put something in place to protect people. And that's what the letter was about. But probably not quite as stridently as I just said it. I enjoyed it. Now, as I was sat there with Adrian at exactly that moment, the Chancellor stood up to make her announcements about the cost of living. So we stopped the programme, had a listen, and then came back to discuss it.

It's good to see them finally doing a retail offering. This is the type of thing I've been telling them for the last couple of years that they need to be doing. Actually things that people can see a manifest benefit from. Some of them, like the British summer savings schemes, for consumers at least are a bit gimmicky. This is the temporary cut in VAT on summer attractions for adults, fairs, theme parks, zoos, museums, adults and children, just for kids, cinemas, soft play and restaurants from the 25th of June until the end of September.

til the end of August or the first of September. I mean, look, that will be nice for people. It's a reduction in VAT from 20% to 5%. It will be good for those hospitality industries that are involved in it. Hopefully they won't be taking a little bit of the extra cost out. They'll be passing all that on to consumers. Then it's win-win. You've also got the free bus passes in August for kids, children in England.

Minusta suurempia asioita ovat varmistettava, ettei tässä vuodessa tule ristiriitaa. Isompi asia, joka mielestäni on yksityiskohtainen, mutta todella tärkeä, on kasvatukset ristiriitaan ihmisten työpaikkojen osalta.

This has been frozen at 45p since I think 2011. So the increase from 45p to 55p for the first 10,000 miles that you drive is really important. To explain to people how this works, if you drive as part of your work, and the big sector that's very important on this are care workers who are driving from house to house to house. What this mileage allowance does is this is the amount that your employer can give you to cover your costs

and you don't pay tax and national insurance on it. So it doesn't count as like earned money, it's a special allowance. So moving that from 45p to 55p is important. It's also worth noting, even if your employer does not give you the full amount of the mileage allowance, let's imagine they give you 30p, and the allowance is 55p. For amounts that you drive for work, not commuting, not to and from work, this is intra-work travel, intraday work travel.

You can claim that 25p per mile back, tax back on it, because you'd have been paid that in your wages, you're having to pay it, you can get the tax back in the difference between what they give you and the full allowance. And if they didn't give you anything, you could claim the full 55p back. And similar applies to people who are self-employed for driving in their work. This has long been a complaint I've got, so I think the change...

from 45 pm to 55 pm, backdated to April 2026, so backdated a couple of months, is really going to be quite useful for people. It's only for the first 10,000 miles. There's a lower rate after that. I haven't heard anything about that rate being changed. I also haven't heard anything about whether they're changing the rate for people who cycle, because there is an allowance for cycling that you're allowed to claim to. I've just got my team trying to check on that.

And a quick note, just to be clear, the mileage allowance is about people who use their own car to drive for work. It is not about people who have company cars. OK, shall we get on to energy bills? This time next week we'll know what the July energy price gap will be. That comes out on Wednesday. But you sort of know already, don't you?

Kyllä. Jäljellä energiakappaleiden arviointi loppui.

on Monday. So the price cap moves every three months, and it is an assessment period. The main changing factor is the underlying wholesale rates for a three-month assessment period, and the July one closed on Monday, so we now have those wholesale rates. There can be policy changes on top, and that was a big driver of the cut in April, was policy changes. They're not likely to be substantial this time, so it's all going to be the changes due to wholesale rates. Now unfortunately,

Tuo kolmas kuukausi sopii alkuun Middle Eastin konfliktiin. Silloin näimme suuremman rauhan kohdallisten ratkaisuista. Ne menivät noin 70-80 %

suurin piirtein noin £1.50. Nyt se on noin £1.20. Siksi tullut julkaisu on suuri. Julkaisu on noin 13 prosenttia. Sanoisin noin 13 prosenttia. Voi olla 12 tai 14 prosenttia, mutta se on noin noin noin 12 prosenttia, jos jotain radikaalista tapahtuu. Kuten puhuttiin puheenjohtajasta, julkaisujärjestelmässä ei ole julkaisujärjestelmää.

Joten ne ihmiset, jotka ovat kohdallaan kohdallaan, voivat nähdä, että heidän kohdallaan on 13% kohdallaan joulussa. Ja se kestää kolme kuukautta. Tämä on todella tärkeää sanoa, ja se, mitä ei tapahtu, niin se on niin kuin, että teemme ensi viikon uutta tänä viikolla. Se, mitä sinä kuulet uudestaan, on ihmisiä, jotka puhuvat 200 euroa kohdallaan kohdallaan.

Se on nonsenssi. Se ei ole juuri totta. Ja se on tehty, koska monet kirjoittajat eivät ymmärrä tätä järjestelmää. Kauppakauppa kestää kolme kuukautta. Katsotaan 200 euroa vuoden kohdalla, se olisi pelkkää, koska se kestää vain kolme kuukautta. Ja nämä kolme kuukautta ovat kesä.

Me käytämme noin 15 prosenttia aiemmasta energiaamme 25 prosenttia kolmesta kuukaudesta kesästä. Se on kuukausi vuodesta. Me käytämme 15 prosenttia energiaamme. Joten jokaiselle, jonka lupaukset ovat 150 euroa kuukaudessa, 13 prosenttinen kasvatuotanto joulukuussa tarkoittaa noin 30-40 euroa kasvatuotantoa noin kolmesta kuukaudesta. Se ei ole hyvä, mutta se ei ole katastrofiikka. Se ei ole mitään kuin Ukraina-periaate. Oikein kysymys on,