Help to Save scheme has been delayed Spring Statement document shows
A scheme designed to help low-paid workers start the savings habit has quietly been delayed, Treasury documents reveal.
Revealed in the Budget in March 2016 and proudly championed personally by then Prime Minister David Cameron, Help to Save was expected to be rolled out next month for the new tax year.
However, the Government revealed today it has decided to slow the pace of the rollout to provide the 'best customer experience possible.'
Help to Save: The scheme was revealed in January 2016 by then Prime Minister David Cameron
The idea of Help to Save is to enable 3.5million employees on working tax credits or universal credit to save up to £50 a month and pocket a bonus of 50 per cent, earning a maximum of £600 after two years.
Savers can carry on the scheme for an additional two years meaning those who saved the maximum £2,400 over four years would receive a £1,200 government top-up.
In March 2016, the Treasury said the scheme would be fully launched in April 2018 to encourage and support those on low incomes to save.
However, it is likely that with Mr Cameron and Chancellor George Osborne exiting, the scheme was not made a priority.
The estimated cost, mainly arising from the additional public spending associated with the Government contribution, was £70million in 2020-21, rising to around £100million in 2022-23.
This reflected a relatively low take-up assumption, given the limited scope for low-income individuals to save the sums involved.
The Treasury document from the Spring Statement today said: 'At the time of the original costing we gave this a "high" uncertainty rating, citing take-up and the time that individuals hold onto savings among the main reasons.
'The Government originally announced that "accounts will be available no later than April 2018".
'It has now decided to slow the pace of the rollout to provide the "best customer experience possible". A full rollout has been delayed to October with a pilot having started in January.
'HMRC has told us that the IT and other aspects of delivery remain on track. We now expect total 'Help to Save' spending to reach £85million in 2022-23."'
Delayed: How This is Money revealed the news more two years ago
The measures were designed as officials claimed nearly half of Britain's adults have set aside less than £500 for emergencies.
When announcing the scheme, Mr Cameron claimed he wanted to give hard-working people extra support to fulfill their potential and to transform life chances across the country.
He said at the time: 'That's what these new measures will achieve - helping someone start a savings fund to get them through difficult times, giving people on low incomes a pay rise and making sure teenagers have the experience and networks to succeed.'
Mr Osborne added: 'This Government is determined to improve the life chances of the poorest in our society and our new Help to Save scheme will mean millions of low income savers across the country could now receive a Government bonus of up to £1,200 to help them build up their savings.
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March 13, 2018
Sources: Daily Mail
age of wasted space, and one of those prime pieces of uncharted real estate is definitely underneath the bed. After all, it’s the perfect place for stashing out-of-season clothes, shoes, extra blankets, stuffed animals, toiletries, and more.</p><p>Here’s how the under bed storage bins we tested ranked, in order:</p><p>With a 66-quart capacity, these boxes, which come as a set of four, were by far the most spacious containers we tested. What’s more, the long, thin design allowed them to fit easily under the bed. Sturdy materials and an inflexible shape also enable them to hold either hard or soft items (or both), which you can easily identify through the see-through plastic. </p><p>Even with the addition of smooth-gliding wheels that easily help you pull the boxes out from under the bed, they can be neatly stacked with other units of their size, making them also a good choice for basement, garage, and attic storage. </p><p>The only issue (as with most plastic boxes), is the lid buckles in the center when the box is remotely overstuffed. So, while it still technically latches, the contents will no longer be air and water tight.</p><p>With approximately 80 percent more space than most other bags on the market, these bags can accommodate even your most voluminous down comforter. They feature a double-zip seal and triple-seal turbo valve, meaning they’re designed to get every ounce of air out of the bag when operated with the included hand pump, or your own home vacuum. You’ll not only be able to compress a mountain of clothes into one magically flat packet, but they’ll stay mold, mildew, and bacteria-free. </p><p>The bags are even reusable and average around $25 for a pack of six, making them a great budget buy. Downside? You can’t go the vacuum route with a pile of hard items.</p><p>I’m Sarah Zorn, and I’m a professional food, lifestyle, and pet writer and cookbook author. I’m also a (current) NYC resident and an (actual) native, meaning I’m well acquainted with storage systems, and have ample experience with making the most of small spaces.</p><p>We attempted to pack each storage unit with a standard soft load (one blanket, a set of bed sheets, four bulky jackets or sweaters, two pairs of jeans, four t-shirts and four towels), followed by a standard hard load (four heavy books, 10 paperbacks, 4 cans of food and assorted boxes of food), as well as both loads together. </p><p>We oriented the units both vertically and horizontally under the bed to assess whether they fit or not. We also slid them in and out from under the bed to determine ease of access. Lastly, we took the addition and usefulness of special features (such as wheels) into account when tabulating our final ranking, as well as durability; what’s the point of a storage unit if it can’t reasonably stand the test of time?</p><p>Hard plastic boxes with lids are ideal for under bed storage, as they’re generally spacious, can accommodate both hard and soft items, and keep your belongings airtight and dust-free. </p><p>Zippered plastic or cloth bags are also popular because they allow for more flexibility and versatility, and take up less room. They’re also light enough to stack in closets or on shelves. Either way, wheels or handles are key, especially for retrieving your items at will when they’re squirreled away under the bed. </p><p>Then you have vacuum bags, which are great for compressing stacks of clothes or blankets into tiny packages that take up hardly any space. Bins and carts tend to be the most attractive option, but they don’t often have covers, which are key in keeping grime off of your belongings. </p><p>Unquestionably the most attractive of all the containers we tested, these white wood composite boxes would be adorable in a child’s bedroom or make a chic addition to a college dorm. Fun features include a chalkboard front for labeling and a center divider for keeping contents organized. There’s even a set of casters that allow for seamless access.</p><p>The box can also support up to 30 pounds of either hard or soft items (or both thanks to the center divider), but since there’s no lid included, it’s best for belongings you don’t mind accumulating a fair bit of dust.</p><p>For better or worse, Container Store’s own polypropylene box is comparable to Sterilite’s. They’re both robustly constructed and largely airtight; except when overstuffed, when causes the lid to buckle.</p><p>What knocks them down a notch is that they have a smaller capacity. Even when scantily packed, the cover doesn’t fit as snug as it should. The one benefit is that the wheels can be easily removed and re-clipped to roll in different directions, meaning the box can be oriented under the bed with either the long or short side facing out.</p><p>Not only did Pottery Barn’s super-roomy bag effortlessly fit the contents of our soft test load, we’re pretty sure it could have accommodated our entire winter wardrobe. The only problem is when we lifted our brimming bag by the cloth handle, it tore right off, so be conscious of the weight limit and don’t get too overzealous with your stuffing. </p><p>They are also quite stylish, with see-through plastic tops and cotton blend outfacing sides, in classy colors such as gray, chambray, charcoal, and navy. Which means they’ll look reasonably attractive under your bed...if you can get them under your bed in the first place. When packed to capacity, it proved quite a squeeze for us.</p><p>Not only did this slim, stackable unit (made from Container Store’s favored polypropylene, which they claim is unbreakable) easily slip under our bed, we were able to tuck it under a chest of drawers. </p><p>That said, our soft load quickly overtook it, and our hard load was a real challenge too. And, while the sliding drawer feature is fun, much like the buckling lids on standard boxes, an excess of contents render it unusable.</p><p>About half the size of PB Teen’s bags and made of polyester blend instead of cotton, Bed Bath and Beyond’s under bed entry is unquestionably less spacious and attractive yet hardly less expensive (there’s an approximate $5 difference in price). </p><p>Still, they slip easily under beds, even low clearance dorm ones, and can even be set on shelves or inside drawers — just be sure not to ask too much of them when it comes to packing.</p><p>Budget-friendly and rather cute, this steel, white epoxy cart could potentially prove useful beyond the bedroom, as a means of storing pantry items, pet products, or art supplies. Which is to say, the open grid design isn’t ideal for soft items, as it can quickly accrue dust on all sides. </p><p>You’ll also need to invest a bit of time in piecing these carts together, and from all accounts, you’ll have to spend some energy on maintenance too, as customer complaints include parts snapping off and the wheels coming undone.</p>
arplugs doesn’t exist. Everyone’s ears are different, and you’ll need a good fit to get maximum sound blockage—especially if you’re looking to silence your partner’s thunderous snoring. But all pairs aren’t created equal, and that’s where we come in. Don’t worry, you’ll be sleeping in a blissfully squishy foam cave in no time.</p><p>Here are the earplugs we tested, in order of recommendation:</p><p>Our top pick is the Hearos Xtreme for their superior sound blocking and comfort combination. They came in third in our lab sound-blocking tests and first in objective testing for sound blockage and comfort while being worn in various scenarios. They also placed second in a poll of Reviewed staffers for comfort and sound blocking, and tied for second in the subjective testing for reuse, storage, and overall experience.</p><p>They aren’t uncomfortable, but you know they’re in—you just don’t necessarily care thanks to the blissful silence they provide. You can order a set of 100 pairs or just 14 pairs, which is nice if you don’t plan on using them long-term.</p><p>The 3M E-A-Rsoft might be a better choice if you value comfort over sound blockage or just have fussier ear canals, as they’re smaller than the Hearos. They came in second place on our sound isolation test, but didn’t score quite as high on the in-ear sound blocking test, partially due to how fiddly they can be to insert. Once you get a good fit, though, they excel. At one point during the testing process, my partner and I were cleaning our apartment and had the dishwasher, AC, and vacuum running simultaneously, and of all the pairs I had on hand, this was the one I reached for when I decided the noise was too much.</p><p>They’re only available in a set of 200, which is a bit irksome if you’re looking to purchase them for a short trip, but each pair is individually wrapped so you can easily take what you need (though that can create a lot of plastic waste in the process). The box also has a small hole punched in it to demonstrate roughly what size to roll the plugs to for insertion, which is a nice clever touch.</p><p>Hi, I’m Rena Behar. As a former researcher and editor at the Wirecutter and strong sleep aficionado, I take my product testing (and sleep comfort) very seriously. I’ve researched products ranging from printers to vibrators and know how to weed through reviews like nobody’s business. I also live on a busy Brooklyn street, so I know how important it is to block out the nighttime noise.</p><p>For objective testing, I slept in each pair for one night, paying attention to comfort, ease of insertion, how well they stayed in, and how much sound was blocked. I also wore each pair in my apartment while trying to do work with Terminator 3 on in the background (it’s astonishing how many earplugs can’t stand up to Arnold’s voice) and while walking around downtown Brooklyn, attempting to drown out construction, traffic, and after-school crowds. I also noted whether there was any difference in effectiveness with a new pair versus reusing a pair. </p><p>A number of Reviewed staffers also tried each pair for about 15 to 20 minutes, noting sound blockage and comfort levels, so we could evaluate which were better across a wider range of ears.</p><p>After I’d worn all of them, I blasted them with my window unit air conditioner on one side and a fan on the other to see how well they might hold up to the elements, given that some Amazon reviewers had complained about their plugs drying out in the box over time. We also rated the level of wear and tear each pair showed — would you be willing to reuse them? — along with portability and overall experience for the subjective factor. </p><p>If you want proper sound blockage, you need to make sure you’re inserting the earplug correctly (all of the packages have instructions on how to do so) and that it fits your ear shape. If you try multiple times and still can’t get a pair to work, you may need to try a different brand. </p><p>These earplugs were tested mainly for sleeping, not for band practice or loud bars. There are other types of earplugs designed to better maintain acoustic integrity if that’s what you’re after. Though it can’t hurt to try these out about town if you’re routinely exposed to high decibel levels, such as the ones you might find standing in a subway tunnel. </p><p>The Mack’s Slim Fit were also a very strong contender, tying for the third-place slot with the Flents and mere fractions of points away from bumping out the 3Ms. These slide into smaller ear canals like a dream, and provided consistently solid sound blockage, scoring first place on our lab sound tests. Their sound testing in the objective tests, however, just wasn’t quite as good, and they were middle of the pack in the office poll.</p><p>If our top picks don’t work for you, both these and the Flents would be a very good next choice to try.</p><p>If you want a set of reusable earplugs that you can easily transport, the Happy Ears Listen are a good choice. The small plastic case keeps them nicely sealed and they’re incredibly stylish (not a phrase frequently used for earplugs). Despite their aesthetic appeal, we have a few objections. </p><p>They aren’t quite as comfortable for side sleeping due to their hard plastic stems. They also scored the lowest on our sound isolation test, even though they placed second on the objective test and tied for first with the 3Ms on the subjective. They come in small, medium, and large to help you find your best fit, but you do have to take your best guess when you order since the sizes are sold separately.</p><p>The Howard Leight Max1 is another set that did well. Their flared base feature is great for in-ear adjustments and judging the depth of insertion. They were more challenging to insert but some Reviewed staffers swear by them, so they’re worth a shot if our other options aren’t a fit.</p><p>Moldex Pura-fit didn’t insert easily and they lost their shape by the morning. They rebounded eventually but we had concerns about their possible reusability and general comfort. They came in last place in our subjective testing, and I could never forget I was wearing them, while somehow still hearing most of what was around me. I consistently struggled to get a reasonable fit despite being able to hear them expanding in my ears, a somewhat bizarre effect.</p><p>Mack’s Ultra Softs is very plump for earplugs, and they’re also an unpleasant beige color. If you have large ear canals and are drawn to the visual appeal of chunks of putty, these may be for you. However, they shouldn’t be your first try, despite being awarded “Amazon’s Choice” if you just search the site for earplugs.</p><p>Mack’s Pillow Soft Silicone is a good option if you don’t want to actively insert anything into your ear canal. You just roll up the waxy material and then smooth it over your ear. It’s more comfortable for side sleepers. If it weren’t for the cave-like echo, you could almost forget you’re wearing them. But they don’t block as much sound, and the sticky silicone can pick up hair and pillow fuzz.</p><p>Liberty Duraplugs were among the least comfortable options. My notes included the phrase, “I hate these, they’re just tiny foam, how are they so uncomfortable,” and it proved very challenging to get a good fit. They managed to somehow irritate my ear canals without actually staying in my ears.</p><p>The low performance of the Howard Leight Laser Lites came as a genuine surprise given their popularity in other corners of the internet and generally strong brand following. I woke up at 6 a.m. to yank them out of my ears. They came in fourth in our lab noise reduction test and had the lowest score in the staff survey.</p>
s climb along with the price of oil. Oil producers in OPEC are discussing an increase in production, a step investors have expected for the last few weeks. Industrial and basic materials companies are rising as well while technology companies are mostly lower. The European Union is following through on its promise to put import taxes on $3.4 billion in U.S. goods including bourbon, peanut butter and orange juice in response to U.S. tariffs on steel and aluminum.</p><p> KEEPING SCORE: The S&P 500 index added 11 points, or 0.4 percent, to 2,760 as of 9:50 a.m. Eastern time. The Dow Jones Industrial Average, which has fallen for eight days in a row, gained 143 points, or 0.6 percent, to 24,604. The Nasdaq composite slid 5 points, or 0.1 percent, to 7,707. The Russell 2000 index of smaller-company stocks inched up 2 points, or 0.1 percent, to 1,690.</p><p> OIL: Oil prices and energy companies rallied as the countries of OPEC, along with Russia, discussed increasing their production by about 1 million barrels per day. Increased production means lower prices, but investors expected that outcome after several weeks of reports that those countries would agree to produce more oil. The move undoes part of a cut in production they instituted at the beginning of 2017.</p><p> Oil prices hit a three-year high of about $72 a barrel in May and have declined since then as reports suggested an increase in production was coming.</p><p> U.S. crude climbed 2.7 percent to $67.31 a barrel in New York. Brent crude, the standard for international oil prices, rose 2.2 percent to $74.66 a barrel in London.</p><p> Chevron jumped 3.1 percent to $126.41 and Exxon Mobil picked up 2.1 percent to $81.28.</p><p> TARIFFS: The European Union is enforcing tariffs on $3.4 billion in U.S. products as of Friday in retaliation for duties the Trump administration has put on European steel and aluminum. The goods targeted include typical American products like bourbon, peanut butter and orange juice, in a way that seems designed to create political pressure on U.S. President Donald Trump and senior U.S. politicians.</p><p> EU authorities had said the move was coming in response to the U.S. import duties. In two weeks, the U.S. is to start taxing $34 billion in Chinese goods, with the possibility of adding another $16 billion later. Beijing has vowed to immediately retaliate with its own tariffs on U.S. soybeans and other farm products.</p><p> EARNINGS: Used car dealership CarMax advanced 9.8 percent to $78.02 after its first-quarter results surpassed analysts' expectations.</p><p> Open source software maker Red Hat dropped 12.7 percent to $145.29 after it cut its sales forecasts due to the strengthening dollar. Other technology companies also declined. The industry has been leading the market for more than a year, but it makes more of its sales outside the U.S. than any other major S&P 500 sector. Microsoft fell 1.3 percent to $99.88 and chipmaker Nvidia lost 1.7 percent to $252.66.</p><p> OVERSEAS: The CAC 40 in France climbed 1 percent and Britain's FTSE 100 gained 1.3 percent. In Germany the DAX rose 0.4 percent.</p><p> Some Asian markets gained following heavy losses on previous days but finished lower than a week ago. Hong Kong's Hang Seng index edged up 0.2 percent while Japan's Nikkei 225 lost 0.8 percent. The South Korean Kospi advanced 0.8 percent.</p><p> BONDS: Bond prices dipped. The yield on the 10-year Treasury note rose to 2.92 percent from 2.90 percent.</p><p> CURRENCIES: The dollar rose to 110.06 yen from 109.90 yen. The euro advanced to $1.1644 from $1.1617.</p><p> AP Markets Writer Marley Jay can be reached at http://twitter.com/MarleyJayAP His work can be found at https://apnews.com/search/marley%20jay</p>
enue climbing by a third to £194.8million, while adjusted pre-tax profits edged up to £8.4million.</p><p>It was the outlook which disappointed, though. Footasylum – which was set up by JD Sports co-founder David Makin – unveiled plans to pour more money into its consumer offering ahead of its peak Christmas trading season, while it will also invest heavily in store upsizes and the opening of new sites.</p><p>Slipping up: Footasylum slipped up big time this week as the trendy athleisure retailer triggered a wave of analyst downgrades with its full-year results on Tuesday</p><p>The investment forced a host of City analysts, including house broker Liberum, to chop their profit forecasts for the current year by 25 per cent, while revenue estimates were also lowered.</p><p>That is not what investors signed up for at the float back in November. They will have wanted to see the top and bottom lines grow substantially over the coming years in order for Footasylum to justify its punchy valuations. Perhaps unsurprisingly, shares dived 43 per cent across the week to 78.5p.</p><p>Footasylum chief executive Clare Nesbitt was also dealt another blow, losing her title as the youngest boss of a London-listed company.</p><p>That was because Tekmar joined the junior market on Wednesday, led by James Ritchie who, at 28-years-old, is two years younger than Nesbitt.</p><p>The County Durham-based company, whose technology protects subsea cables such as those used by offshore wind farm operators and oil companies, enjoyed a decent start, too.</p><p>Shares were issued at 130p as part of its float but were being sold at 150p come Friday afternoon.</p><p>What a week: Footasylum chief executive Clare Nesbitt was also dealt another blow, losing her title as the youngest boss of a London-listed company</p><p>The company, sometimes referred to as ‘India’s answer to ASOS’, more than doubled in value after it welcomed one of the country’s largest media group’s as a new cornerstone investor.</p><p>In return, HT Media, which owns the Hindustan Times newspaper among other things, will provide Koovs with almost £17million of advertising and marketing credits which can be used in its publications.</p><p>The deal isn’t over the line just yet as it is conditional on a separate £6mln fundraise going ahead, but analysts seem fairly sure that this won’t prove to be a problem.</p><p>Giving another little boost to the share price was Koovs’ collaboration with Bollywood film star Taapsee Pannu, who has 17million followers across her various social media accounts. Koovs shares soared by 106 per cent to 23.4p.</p><p>That wasn’t quite reflective of the broader junior market, though. Having hit all-time highs last week, the AIM All Share slipped back by 11.0 points, or 1 per cent, to 1,091.8.</p><p>The blue-chips also struggled this week, with the FTSE 100 falling 21.7 points, or 0.3 per cent, to 7,613.8 despite a mini rally on Friday.</p><p>To pay for MPM, which will give it a direct link to the Central Bank of Myanmar, MySQUAR issued £2.2million of convertible loan notes.</p><p>The threat of further dilution no doubt hindered the share price, but perhaps the biggest driver was a line at the bottom of the press release in which the firm said it had terminated discussions over a possible takeover.</p><p>Shares had jumped earlier in the year on interest from a third party, so the news was somewhat disappointing, leading to the stock dropping 34 per cent to 1.05p.</p><p>LED light maker LPA Group was another struggler despite upping the dividend in its half-year results.</p><p>The manufacturer increased its payout to 1.1p per share after reporting an increase in profits and sales in the opening six months.</p><p>But, as is often the case, guidance is king and LPA disappointed. Chairman Michael Rush said the outlook was 'maybe more challenging' as competition from Asia and a slide in demand from train companies for its lights and power sockets have hit its order book. Shares fell 36 per cent to 103p.</p><p>MBL Group endured a difficult week as investors reacted to last Friday night’s news that administrators have been brought in to wind up its only remaining subsidiary.</p><p>The company has been looking to sell off its Windsong home entertainment division for some time, but the process has taken longer than expected, while trading has worsened so much in recent weeks that more money would have to be injected to keep the business afloat.</p><p>By getting rid of its only line of business, MBL will become a cash shell. The company has always said that, rather than look to complete a reverse takeover, it will cancel its AIM listing and wind up altogether.</p><p>Investors rushed to extract any value out of their remaining shares before they are cancelled, likely to be towards the end of July. The stock, which has endured a horrific year, fell another 24 per cent to 4.6p.</p><p>There was some better news for Greatland Gold, which shone bright this week after it found gold nuggets at its Black Hills project in Western Australia.</p><p>Shares rocketed up 60 per cent to 1.15p after the company recovered multiple pieces of the precious metal from the surface in the first few days of fieldwork at the project.</p><p>The fieldwork only kicked off this week but Greatland said it is already obvious that there is the potential for a lot of gold to be underfoot. </p><p>Do you want to automatically post your MailOnline comments to your Facebook Timeline?</p><p>Your comment will be posted to MailOnline as usual.</p><p>Do you want to automatically post your MailOnline comments to your Facebook Timeline?</p><p> We will automatically post your comment and a link to the news story to your Facebook timeline at the same time it is posted on MailOnline. To do this we will link your MailOnline account with your Facebook account. We’ll ask you to confirm this for your first post to Facebook.</p><p>Part of the Daily Mail, The Mail on Sunday & Metro Media Group</p>
ey have a long way to go before they beat inflation, with top easy access rates of 1.3 per cent.</p><p>Free money: We pick the best of the interest-paying current accounts</p><p>Does your bank work for you? Lloyds Bank pays 2 per cent on your first £5,000</p><p>Tesco Bank: The supermarket giant offers 3 per cent interest guaranteed for two years</p><p>You get 1 point per £1 spent in stores on top of the standard loyalty scheme, meaning a total earning 2 points per £1 spent in stores.</p><p>A £1,000 per month including £250 spent in Tesco could be worth up to £70 off your shopping. </p><p>Santander 123: Account holders will see their earnings halved from November 1 2016</p><p> The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline. </p><p>Do you want to automatically post your MailOnline comments to your Facebook Timeline?</p><p>Your comment will be posted to MailOnline as usual.</p><p>Do you want to automatically post your MailOnline comments to your Facebook Timeline?</p><p> We will automatically post your comment and a link to the news story to your Facebook timeline at the same time it is posted on MailOnline. To do this we will link your MailOnline account with your Facebook account. We’ll ask you to confirm this for your first post to Facebook.</p><p>Part of the Daily Mail, The Mail on Sunday & Metro Media Group</p>
tors to axe more than half of its store estate, resulting in up to 6,000 job losses.</p><p>The embattled department store chain will close 31 out of its 59 outlets through a Company Voluntary Arrangement, which will also allow it to secure rent reductions on its remaining sites.</p><p>The closures will affect up to 2,000 House of Fraser staff and a further 4,000 across brands and concessions.</p><p>The department store's flagship store on London's Oxford Street will be closed, as will those located in a string of other major cities including Birmingham and Edinburgh. </p><p>Closures: House of Fraser has secured backing for a radical store closure plan (Dominic Lipinski/PA)</p><p>The Chinese-owned department store managed to secure the backing of over 75 per cent of its creditors at a meeting to vote on the CVA today. </p><p>The proposals were given the green light despite anger among landlords, who have complained that they are being forced to stomach a financial hit at the same time as House of Fraser enjoys new investment.</p><p>Alongside the CVA, Hamleys owner C.banner is being lined up to buy a 51 per cent stake in the stricken department store and invest £70million into what remains of the business.</p><p>At today's meeting, furious landlords berated House of Fraser’s management and their advisers at KPMG over how the CVA was conducted.</p><p>They complained that their share of the vote had been structured unfairly in an attempt to push through the restructuring proposal.</p><p>Despite their protestations, a representative for two of House of Fraser’s landlords said there had been 'no give' from the top team.</p><p>Backed: The Chinese-owned department store managed to secure the backing of over 75 per cent of its creditors at a meeting to vote on the CVA today</p><p>House of Fraser boss Alex Williamson had warned that the store closures and job losses represented the 'last viable' option to save the retailer, with the group at risk of collapse had the CVA been rejected.</p><p>Altrincham, Aylesbury, Birkenhead, Birmingham, Bournemouth, Camberley, Cardiff, Carlisle, Chichester, Cirencester, Cwmbran, Darlington, Doncaster, Edinburgh Frasers, Epsom, Grimsby, High Wycombe, Hull, Leamington Spa, Lincoln, London Oxford Street, London King William Street, Middlesbrough, Milton Keynes, Plymouth, Shrewsbury, Skipton, Swindon, Telford, Wolverhampton, Worcester.</p><p>Mr Williamson and chairman Frank Slevin were both in attendance at the creditor vote.</p><p>House of Fraser said the shops earmarked for closure, including its London Oxford Street store, would remain open until early 2019.</p><p>Other sites set for closure include Birmingham, Bournemouth, Cardiff, Edinburgh, Grimsby, Plymouth and Swindon. </p><p>The group also plans to relocate its Baker Street head office and the Granite House office in Glasgow to help slash costs and 'secure House of Fraser’s future.'</p><p>In January, House of Fraser reported a 2.9 per cent fall in sales in the six weeks to 23 December compared with a year earlier. Online sales fell by 7.5 per cent over the crucial Christmas period. </p><p>A raft of CVAs have been struck in recent months as retailers struggle amid surging costs, rising business rates, competition from online rivals and a slowdown in consumer spending.</p><p>Other retailers undertaking CVAs in a bid to keep trading include New Look, Mothercare and Carpetright.</p><p>Restaurant businesses have also been seeking to cut their costs with store closure programmes, with Carluccio’s, Byron and Prezzo all pushing through CVAs.</p><p>Earlier this year, high-street based retailers Toys R Us and Maplin both collapsed into the hands of administrators after struggling to drum up sales and profits against a never-ending surge in online competition. </p><p>Do you want to automatically post your MailOnline comments to your Facebook Timeline?</p><p>Your comment will be posted to MailOnline as usual.</p><p>Do you want to automatically post your MailOnline comments to your Facebook Timeline?</p><p> We will automatically post your comment and a link to the news story to your Facebook timeline at the same time it is posted on MailOnline. To do this we will link your MailOnline account with your Facebook account. We’ll ask you to confirm this for your first post to Facebook.</p><p>Part of the Daily Mail, The Mail on Sunday & Metro Media Group</p>
head of security at the Hifalutin Chic furniture store.</p><p>He has earned such a following here that regular customers stop by to see him even when they’re not shopping for vintage decor.</p><p>The 11-year-old Shorkie – a Silky Yorkie and Shih Tzu mix – is among the furry “employees” nationwide that businesses are finding to be a bonus when it comes to making human workers happier on the job.</p><p>On Friday, more pups across the country will join their masters at the office, gym and other businesses for the 20th annual Take Your Dog to Work Day.</p><p>Pet Sitters International started the day in 1999 as a way to promote pet adoptions and has seen it grow in popularity, event spokeswoman Beth Stultz said.</p><p>“Take Your Dog to Work Day is an amazing annual event that gives us an opportunity to spend a little extra time with our furry family members during the work week," said Chanda Leary-Coutu, director of consumer experience for Wellness Natural Pet Food. "But we’re starting to see more and more offices implement pet-friendly policies year-round."</p><p>Only one in five people surveyed by the Tewksbury, Massachusetts-based pet food company work for a business that celebrates Take Your Dog to Work Day.</p><p>Yet 37 percent of Americans would sacrifice benefits – including vacation time, working from home or a pay raise – to be able to bring their dog to work. Forty-four percent would consider a career move for a pet-friendly workplace, the company found.</p><p>"Not only are there proven benefits to having pets at work, like lowered blood pressure, lessened anxiety and increased physical activity, but it also helps attract and retain employees, especially among millennial workers," Leary-Coutu said.</p><p>The Society for Human Resource Management also has been tracking businesses’ pet-friendly policies, said Edward Yost, manager of employee relations and development.</p><p>The data shows 9 percent of employers allow pets at work in 2018, up from 4 percent in 2014.</p><p>Yost points to influential employers including Amazon that have pet-friendly policies as helping to move the issue forward. More than 6,000 dogs go to work each day at the retail giant's Seattle-based headquarters.</p><p>Lara Hirschfield is Amazon’s Woof Pack manager and oversees the dog program. Her duties include registering the pooches and making sure reception desks are stocked with doggie snacks and that the dog parks are well-maintained.</p><p>“Having dogs in our offices is an amazing treat," Hirschfield said. "We are proud this is such a uniquely Amazonian tradition. It’s truly ingrained in our company culture."</p><p>Being pet friendly also gives employees flexibility, said Alison Sullivan, spokeswoman for Glassdoor in Mill Valley, California, named one of America's most pet-friendly businesses.</p><p>“Having a dog-friendly space is a way Glassdoor encourages its employees to bring their whole selves to work and allows them more flexibility in balancing work and their furry family members,” Sullivan said.</p><p>GFA International, a Florida engineering firm, allows dogs to come to work once a month, said Tania Valcourt, an administrative assistant at the Port St. Lucie office. </p><p>“We look forward to it so much,” said Valcourt, who brings her 12-year-old Jack Russell mix, Dixie, to work with her. “It makes everyone happy, and happy employees are just more productive.”</p><p>Some of the challenges for businesses trying to develop pet-friendly policies are allergies, property damage and animal phobias, Yost said.</p><p>A big question is how to determine which animals, besides dogs, are acceptable.</p><p>“Do you draw the line at guinea pigs, potbelly pigs?" said Yost, who considers himself an animal advocate as a pet parent to three dogs. "You want to be inclusive, but some people have pet snakes. Some people have pet tarantulas, those kind of non-traditional pets.”</p><p>Mars Petcare has created a toolkit to help businesses draft policies, said Katie Evans, a spokeswoman at the pet food maker, whose brands include Whiskas, Pedigree, Sheba, Iams and Royal Canin.</p><p>“We’d love to see all offices develop policies,” Evans said. "We know the interest is there."</p><p>Allowing dogs in the workplace isn't only good for employees. It can be good for business.</p><p>Vero Beach Athletic Club owner Bob Del Vecchio started bringing Maxima, a 4-year-old Staffordshire terrier, to work with him when she was a puppy.</p><p>On the rare day where she stays home, members at the Florida club ask where she is, Del Vecchio said.</p><p>“She’s harmless and sweet,” he said. “Everyone loves petting her.”</p><p>Stuart resident Kitt Tufts, owner of the Hifalutin Chic décor store, often finds customers crouched down petting Leonardo.</p><p>“Most people are dog people, and they come in for a dog fix,” she said. “They enjoy having him here, and I don’t have to worry about him being home alone.”</p><p>Here are tips for a successful office visit from Beth Stultz, spokeswoman for Take Your Dog to Work Day, which was started by Pet Sitters International:</p>
upon the stage of life you're in. A college kid who views themselves broke may have no money, but still have access to food and a roof over their head. To an adult, broke may mean that the cash available to them won't cover their core bills, or will do so with no cushion.</p><p>Regardless of your exact definition, being broke is something the vast majority of Americans say they've experienced, according to a new survey of 1,050 adults conducted by CreditLoan.com. In the study, 86% of respondents said they'd been broke at some time in the past -- or consider themselves broke right now.</p><p>That sobering number shows that money problems are nearly universal. On the positive side, if you're in the subset of the 86 percent who are running on fiscal fumes today, that figure shows you're not alone, and suggests there's hope.</p><p>Based on the study, most people don't require someone to have literally no money to their name to be viewed as broke.</p><p>"Our survey revealed, on average, people considered having $878 available to them in cash or a bank account to be 'broke,'" wrote CreditLoan.com Founder Daniel Wesley in a blog post on the survey. "Close to $900 in the bank might seem far from destitute, but considering it's 71.3 percent of the average national rent, that little nest egg can evaporate quickly, especially if you're living on your own."</p><p>The top three reasons millennials (born 1981-1997) gave were "spent my money on food" (28 percent), "spent money on unnecessary items" (25 percent), and "quit my job" (17 percent). Generation Xers (born 1965 to 1980) had the same two top answers, albeit at 21 percent and 19 percent respectively, but followed those with "spent my money helping someone else" (15 percent) and "had to wait on significant other or roommate to get paid" (14 percent).</p><p>Baby boomers (born 1946 to 1964) had spending money on others as their top answer at 21 percent. That was followed by "spent money on unnecessary items (13 percent), with "spent my money on food" and "fired from my job" in a tie for third place at 11 percent.</p><p>The best first step anyone can take to stay away from the financial edge is to make a budget. It's hard to avoid overspending if you don't know how much you have, or where your money is going. Once you have a handle on your income versus your expenses, consider where you can trim that later category so you can start setting more aside. Task No. 1 in that vein is building up an emergency fund sufficient to cover at least six months of your household expenses -- assuming you don't have one already.</p><p>Saving that much cash likely won't happen quickly, and may require you to make more changes to your life than simply spending less. You might need to start volunteering for more overtime (if you can), take on another job, or develop a side hustle. But it's hard to beat the peace of mind provided by having a robust cushion between you and being broke.</p>
reaming the television show "The Voice" just before the vehicle struck and killed an Arizona pedestrian in March, according to a published report.</p><p> The Arizona Republic reported that the driver was streaming the musical talent show on Hulu in the moments before the crash on a darkened street in the Phoenix suburb of Tempe.</p><p> Police obtained records from Hulu with a search warrant showing that the streaming to one of the driver's cell phones ended at 9:59 p.m. on March 18, while the crash occurred about 10 p.m.</p><p> The newspaper received the more than 300-page report from Tempe police late Thursday.</p><p> Elaine Herzberg, 49, was struck as she crossed a darkened road in the middle of a block. It was the first fatal crash involving a self-driving vehicle.</p><p> Prosecutors are considering charges against the driver, 44-year-old Rafaela Vasquez.</p><p> A previously released video of the crash showed Vasquez looking down just before the crash. She had a startled look on her face about the time of the impact.</p><p> The National Transportation Safety Board, in a preliminary report issued last month, said the autonomous driving system on Uber's Volvo XC-90 SUV spotted Herzberg about six seconds before hitting her, but did not stop because the system used to automatically apply brakes in potentially dangerous situations had been disabled.</p><p> The system was disabled while Uber's cars are under computer control, "to reduce the potential for erratic vehicle behavior," the NTSB report said. Instead of the system, Uber relies on the human backup driver to intervene, the report stated. But the system is not designed to alert the driver.</p><p> Tempe police also released blurred video from the responding police officers' body cameras, and one caught a conversation with Vasquez while she was seated behind the wheel, according to the newspaper.</p><p> "The car was in auto-drive," she said to the officer. "All of a sudden ... the car didn't see it, I couldn't see it," she says. "I know I hit her."</p><p> The report says police initially determined that Vasquez was not impaired after giving her a field test.</p><p> Several days after the crash, they got search warrants for her two cell phones and served them on three companies, Hulu, Netflix and Google, which owns YouTube. Hulu provided records showing that Vasquez was watching "The Voice" just before the crash, the newspaper reported.</p><p> In the lengthy report, Tempe police wrote that Vasquez "appears to be looking down at the area near her right knee at various points in the video." Sometimes her face "appears to react and show a smirk or laugh at various points during the times that she is looking down. Her hands are not visible in the frame of the video during these times."</p><p> A detailed analysis of video from inside the Uber SUV shows during 11.8 miles traveled before the crash, Vasquez looked down 204 times toward her right knee, according to the report. Of the nearly 22 minutes that elapsed during that distance, Vasquez was looking down for 6 minutes and 47 seconds, the newspaper reported.</p><p> "This crash would not have occurred if Vasquez would have been monitoring the vehicle and roadway conditions and was not distracted," the report says.</p><p> A crash report also indicated that the self-driving vehicle was traveling too fast for the road conditions.</p><p> The police report concluded that even though Herzberg was outside of a crosswalk when hit, Vasquez was inattentive and failed to take control of the vehicle to avoid the crash. Her "disregard for assigned job function to intervene in a hazardous situation'" contributed to the crash, the newspaper reported.</p><p> An Uber spokeswoman said in a prepared statement Friday morning that any use of a mobile device by a backup driver while a vehicle is moving is a fireable offense. "This is emphasized during training and on an ongoing basis," the statement said.</p><p> After the crash, the ride-hailing company said it did a top-to-bottom safety evaluation, reviewing internal processes and safety culture. Uber also said it brought in former transportation safety board chairman Christopher Hart to advise the company on safety.</p>
most of us are proud of the British institution, leaning on it in our times of need.</p><p>However, we're living longer with more complex problems and the service keeps crying out that it needs more money.</p><p>Where does it come from? Do we make cost-cuttings or plough lots of money in, do we increase income tax, make the rich pay, or introduce a new special ring-fenced tax?</p><p>Theresa May announced plans for £20.5billion-a-year cash boost – but was a little short on the detail. She hinted at tax rises and mentioned a 'Brexit dividend'.</p><p>This is Money editor Simon Lambert, along with consumer affairs editor Lee Boyce and presenter Georgie Frost look at ways to fix the NHS in the latest podcast.</p><p>National Health Shortage: Should we pay more tax for the NHS - or is something else needed?</p><p>Elsewhere on the show, we take a look at the second lifetime Isa to finally be available to savers and where in the country buy-to-let returns now appear to be strongest.</p><p>And finally, we discuss the news that Birmingham and Leeds are set for Clean Air zones while we run the rule over new app, Sn-ap, which aims to match up hard-pressed travellers with luxury coach travel. </p><p>We publish our podcast every Friday to the player on This is Money, above, and on Apple Podcasts (iTunes) and on the podcast platforms Audioboom and Acast, both of which allow you to listen on desktop, mobile, or download an app. We also now publish to Spotify.</p><p>To download the Apple Podcasts app if you do not already have it, go to the App store. Or go to either the Apple App store or the Google Play store on Android to download the Acast, AudioBoom or Spotify app. </p><p>Do you want to automatically post your MailOnline comments to your Facebook Timeline?</p><p>Your comment will be posted to MailOnline as usual.</p><p>Do you want to automatically post your MailOnline comments to your Facebook Timeline?</p><p> We will automatically post your comment and a link to the news story to your Facebook timeline at the same time it is posted on MailOnline. To do this we will link your MailOnline account with your Facebook account. We’ll ask you to confirm this for your first post to Facebook.</p><p>Part of the Daily Mail, The Mail on Sunday & Metro Media Group</p>