Home Based Business Ideas UK: Two Deadlines End 30 June - How Will They Affect You?

Home Based Business Ideas UK: Two Deadlines End 30 June - How Will They Affect You?: Two Deadlines End 30 June - How Will They Affect You? ·         Stamp Duty holiday ends, long live tax on property buyers! ·         Wed...

EU settlement deadline 30 June 2021: How register to avoid missing the deadline

EU settlement deadline 30 June 2021: How register to avoid missing the deadline

Last chance. Wednesday 30 June is the deadline for most European Union (EU) citizens to apply to live permanently in the UK as settled residents.

The take-up of the European Union Settlement Scheme (EUSS) has been huge - but there are serious concerns that thousands of people have still not sought to register. Anyone who is not registered loses their legal right to live in the UK.

What is the EU Settlement Scheme?

The EUSS was launched in March 2019 to register EU citizens as settled residents in the UK.

This is a follow-on from Brexit, which ended freedom of movement and the right of people from the EU to come to the UK - and for UK citizens to go the other way.

By the end of May 2021, 5.6 million people had applied for the scheme - far more than expected (it was estimated in March 2019 that there were 3.7m EU nationals in the UK).

Who can apply?

Anyone who can prove they have been living in the UK continuously for at least five years before the end of 2020, can seek "settled status" - legal recognition that they live here permanently.

Anyone who shows they have been here for less than five years gets "pre-settled status".

This gives them the right to continue living in the UK - but they then have to make a application later on for full settled status.

What happens if people do not apply?

Some experts believe there could be more than 100,000 people who will fail to apply before the deadline.

Anyone who has not applied or received a status would technically become an illegal immigrant overnight and face problems:

·        it would be illegal for them to work

·        they would no longer be able to receive benefits

·        they would face huge charges for using the NHS

In England, private landlords must check the immigration status of tenants - and the housing charity Shelter predicts this will be a disaster.

Who could have missed the deadline?

There may be people from all walks of life who fail to register in time - but migration experts, lawyers and charities have identified a range of people who they are concerned about:

EU children

Children whose parents came to live and work in the UK under the pre-Brexit freedom-of-movement rules, but who never sought permanent settled status under British immigration laws.

These children cannot be sure they are British citizens or legally entitled to remain in all circumstances. The same could apply to children who are not yet born.

Marianne Lagrue from the Coram Children's Legal Centre says the numbers of EUSS applications for children are far short of what would be expected - meaning there could be thousands in this category.

As they leave compulsory school-age education, these children would be legally forbidden from going to colleges, universities and into work.

The Home Office has identified that there are more than 3,600 EU children in the care system. As of late April, EUSS applications had not been lodged for 1,220 of these.

Elderly EU citizens

EU citizens who arrived before the UK joined the European Union in 1973 are generally already allowed indefinite leave to remain.

However, there will be elderly people who came after that date who may have no proof of their legal residence in the UK, and may not realise that they need to apply to the EUSS.

Benefit claimants

A Whitehall leak last week revealed that officials have calculated that 130,000 of 820,000 European Union citizens eligible to claim one benefit or another, have not applied to the EUSS.

EU citizens registered under an old scheme

After the Brexit vote, there was a surge in applications to a previous scheme which confirmed permanent residence - some 390,000 cases.

But that document is now legally worthless. Nobody can rely on it anymore as legal proof of permanent residency.

Vulnerable groups

There will be EU citizens in the UK from poor and marginalised backgrounds who may not even know they should be applying to the scheme.

One example would be men and women trafficked by criminal gangs into modern-day slavery, such as the sex trade. Another would be victims of domestic abuse whose lives are controlled by their partners.

Oxford University's Migration Observatory has identified many other groups who could be affected.

How long do you have to make a late application?

The government is promising a "pragmatic and flexible" approach to late applications.

It says that anyone who has received a certificate proving they have applied will have their legal rights protected while officials process their paperwork.

The Home Office says that the scheme remains "indefinitely" open - but only if the individual can show they had reasonable grounds for missing the 30 June deadline. Source: BBC

There is growing evidence that hundreds of thousands of EU citizens returned home during the lockdown in 2020. Many of those migrant workers have yet to return, creating a labour shortage in areas like care, hospitality and transport.

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Broke immigrant to millionaire!

During the last 20 years, I’ve met thousands of successful people have who migrated to the UK, but the person sticks out in my mind is someone who was not only broke when I met her, but also deep in debt with a terrible credit history.

 

She was an immigrant to this country who came here with nothing to declare except a burning ambition to succeed.

 

There was something about her that told me that she had a powerful hunger and desire to build a better life for herself and her daughter.

 

Although she had always worked hard, she instinctively knew that hard work alone was not enough.

 

After I started mentoring her and gave her 3 steps to follow, this single mum got herself together and changed her money habits.

 

3 steps to financial success

 

Step 1 Where are you now?

 

We took stock of exactly where she was, what money was coming in and where it was going. Most people have no idea “where it all goes”.

 

Step 2 Planning

 

Having established where she was, we started planning her financial journey out of debt and towards financial freedom. Most people have no plan, no roadmap and simply live week-to-week.

 

Step 3 Financial education

 

The next step was education. She took on board financial education and learned fast! She learned how to start accumulating and attracting money and use other people’s money (OPM) to become financially free.

 

This student was very teachable and eager to learn. Whereas a lot of people say, "I can’t do that" or “it can’t be done” and “only the rich can do that”, she would take instruction on board and say, "done that, what next?"

 

I was proud of her achievements but cannot take full credit. I may have pointed her in the right direction, but she took the action. She did not just sit around chanting and waiting for the ‘universe’ to send her money in the post.

 

In the following 5 years she built up over £1 million in property and business assets

 

She worked hard of course, no harder than she would have plodding along in a job for 40 years.

 

Yes, she had to put in a bit of extra effort at the start, but that saved her years of work, and enabled her to retire young to pursue her passion in politics and charity work.

 

She also paid to educate her nephew and niece by sending them to university back home. They became nurses and she helped them get jobs here for the NHS - a passport to a lifelong stream of income!

 

With the best intentions in the world, she could never have done all this without money.

 

Enjoying the fruits of your success.

 

Being financially free meant she had choices in life. The opportunity to travel when she wanted to, meet friends for lunch or go shopping for the day with the girls.

 

Time freedom to enjoy with her family without having to ask permission from her boss.

 

 She was also able to exchange her old Nissan Micra for a shiny new Porsche!

 

However, she only bought a new car when she had built up capital and passive income from property and business assets to be able to afford it.

 

The car was an outward expression of her wealth, but the real wealth was in her property and business.

 

The UK is open for business and encourages entrepreneurship. Starting a limited company is simple with far fewer restrictions than other European countries. Non-UK citizens are also allowed to own property and businesses.

 

Of course, she is not alone in the millions of immigrants who have hunger and passion to succeed. There’s something about the character of a person who leaves everything behind to make a new life abroad. British migrants have done extremely well in Australia, Canada and America.

 

If someone can come here starting with nothing, with no money, no local knowledge or contacts, as well as a language barrier and still make it, anyone can.

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Property Boom Continues, House Prices Soar By 10.9% And Set To Rise To H...

UK Property Boom Continues As House Prices Soar By 10.9% And Sales Forecast To Rise To The Highest Level Since The 2007 Market Peak

British house prices leaped by an annual 10.9%, the most in almost seven years, and they look set to rise further as people search new homes after the pandemic, one of the country’s largest mortgage lender the Nationwide said.

Almost 70% homeowners considering a move said they would still go ahead even without the unlikely extension of a tax incentive by Chancellor Rishi Sunak, Nationwide said, according to a survey it conducted in late April.

The latest figures demonstrate the scale of the surge in house prices which hit a new record high at an average of £242,832, according to Nationwide, which whilst not the official Land Registry data is widely respected by the industry.

Nationwide added that house prices were 1.8% higher than in April.

Nationwide said there was scope for annual house price growth to accelerate further in the coming months, given how weak the housing market was in early stages of the pandemic.

However, if unemployment rises sharply later in 2021 - when Sunak's jobs protection programme is due to expire - there was scope for activity to slow, perhaps sharply, it said.

Official data from the Office for National Statistics has shown that house prices in March jumped by just over 10%, the largest annual rise by that measure in nearly 14 years – prior to the 2007 peak and later property and stock market crash.

Not all areas are booming and parts of London are seeing sharp price reductions on flats.

Coastal hotspots - in Devon, Cornwall and Dorset - have seen house prices rise by as much as 48% in a year as people ‘escape to the country’!

One million Britons fear losing homes when eviction ban ends - as up to 400,000 tenants have already been served notice or told to expect it due to unpaid rent over pandemic, The Daily Mail reports.

The tenant eviction ban expired on 1 June, which could see thousands of people with rent arrears evicted by bailiffs.

·        Ban lifted meaning bailiff-enforced evictions can take place from now

·        Government introduced ban to support renters through the Covid-19 pandemic 

·        Charity says that 400,000 renters have already been served with eviction notice

·        A further 450,000 households are in rent arrears according to research

The Joseph Rowntree Foundation said 400,000 have already been served with an eviction notice or told they may be evicted and a further 450,000 households are in arrears with rent, JRF said. 

In practice, possession claims leading to eventual eviction could take 6-12 months to go get through the county court system, which is already overloaded with all manner of legal cases.

Over 60% of buy-to-let landlords own just one property and many of whom are paying mortgages with little or no chance of recovering thousands of pounds of rent arrears built up during the lockdown.

Other news

The UK is likely to further restrict overseas travel taking Portugal OFF the ‘green list’

Apple wants staff back in the office by September.

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Six Reasons Why Everyone Should Apply For A Second Passport Citizenship Or Residency?

Why Apply For A Second Passport Citizenship Or Residency?

The number of people seeking a second passport, especially high net worth individuals, is growing rapidly.

Holding dual or multiple citizenships is a step to towards ‘internationalizing’ your life so that you are not under the control of a single government.

You have more freedom of movement and do not need to worry about civil unrest or if your government suddenly decides to raise the taxes, which is already happening in the US.

A second passport or residency in another country means you can reap all the benefits of tax optimization, improved travel potential and protection against controlling governments.

Prior to the First World War, you didn’t need a passport for international travel. However, in the last few decades, freedom of movement has been subject to an increasing number of restrictions, including visas and permits to live and work abroad and even to leave some countries. In 2020, UK citizens may have been shocked to be told that it was “illegal to travel”.

Regardless of where you live or how valuable your passport is, you can still benefit from the political diversification that comes with a second passport or permanent residency in another country.

Here are my top 6 reasons why everyone needs a second passport:

1. Financial Options

A second citizenship opens the door to a wider range of international financial services. Governments, for instance U.S. tax authorities, can have a long reach.

2. Foreign Policy Backlash

Western government frequently engage in international conflicts and sanctions, which can make its citizens a target for terrorist attacks.

3. Increased Visa-Free Travel

Applying visas before a trip is time consuming and expensive. A good second passport, such as an Maltese EU passport offers you visa-free access, as well as the ability to live and work throughout the European Union, to more countries than you had before.

4: Avoid People Controls

A second passport or residency gives you an alternative option should your home government introduce restrictions on where citizens can leave.

Preventing people from leaving is no longer the preserve of authoritarian regimes, as passports, the property of the government, can be revoked.

5. Tax

With western governments raising taxes to pay for the lockdown, high net worth individuals can preserve their wealth by relocating their business and residence. This is a complex area and you should take advice.

6. Family Benefits

The benefits and privileges of a second passport can be passed to generations of current and future children and grandchildren.

There are a number of countries offering citizenship or permanent residence in return for investment (e.g. in property, business, bank deposits or government bonds) including EU nations, such as Malta, Cyprus and Portugal, as well as the Caribbean and the Americas.

Schemes range from premier citizenship programmes like Malta CBI, requiring investments of up to one million Euros for fast citizenship for all the family, to residency schemes with the possibility of citizenship in the future.

Malta’s new citizenship programme, introduced 29 March 2021, is the at the top of the Global Citizenship Programs Index (GCPI). Austria’s Private Residence Program and the Portugal Golden Residence Permit Program share top spot in the Global Residence Programs Index (GRPI).

Candidates for second citizenship come from Russia, China, The Middles East, Africa and increasingly the US and UK.

These are not skilled worker schemes and you will need around $500,000 to become an EU resident. For those with less capital, there are cheaper options in places like Panama, Ecuador and former Eastern Bloc countries. All countries want to attract investment and high net worth people to boost their economy.

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In this job you will never run out of work!

In these uncertain and rapidly changing times, it is important to choose an occupation which gives you some guarantee of a long-term future.

In the UK, the Home Office publishes an official list of ‘shortage occupations’, for which a qualified and experienced overseas migrant may qualify for a Skilled Worker visa.

The list includes jobs such as, Health Service and Residential Day Care or Domiciliary Managers, various scientists and engineers, web development professionals, nurses and senior care workers.

The official government list for working visa qualification, only covers a fraction of the huge labour shortages in the UK.

According to the report by Luminate, the following industries experienced a particularly large number of hard-to-fill vacancies at professional level:

·        architectural and engineering activities

·        computer programming and consultancy

·        education

·        employment and HR

·        financial services

·        human health activities

·        legal and accounting services

·        office administrative, support and business activities

·        public administration and defence

·        residential care activities

·        retail trade

·        social work.

However, both of these lists contain glaring omissions- green jobs. In order to meet climate change targets, industry will need hundreds of thousands of skilled workers to fill new ‘green’ jobs.

For instance, is estimated that 23 million gas boilers will need to be replaced in the UK, but there are not enough trained engineers to do the work. There is a shortage of 100,000 boiler engineers right now!

Boiler engineers will have jobs for life replacing old boilers with electric and hydrogen boilers and servicing the new boilers.

Millions of petrol and diesel cars will have to be replaced as governments around the world tax them out of existence. This will create a huge number of new skilled jobs.

China is investing massively in new technology and green energy, as is the UK. The US could be left behind in what’s being called China’s century.

The 20^th Century was America’s, after Great Britain’s empire started to unwind following the German led First and Second World Wars.

China is effectively colonising the world’s resources through trade rather than war.

If you exclude the disastrous Chairman Mao century, China was one of the leading economies in the world in 18 of the last 20 centuries?

The UK government recently announced a massive retraining programme to reskill millions of workers whose jobs have become redundant due to new technology.

The important word is “skilled”. Tens of millions of unskilled, as well as many skilled and technical jobs in accounting and law, will disappear in the next decade, so prepare yourself.

Self-driving vehicles, AI and robotic technology are already here!

Education is key to your future. Not just formal education, but also relevant vocational and on-the-job training in which you can ‘earn while you learn.

An increasing number of people prefer to quit the rat race and start their own businesses, which is great.

Caution. Don’t fire your boss until you can replace your salary with your new business and do not spend all your savings or borrow to set up an expensive physical business like a shop.

An ideal way to start is to set up a part-time online business, which you can run from home with little or no capital.

With this in mind, I’m offering 3 free coaching calls sessions to anyone who is prepared to take the time and effort to learn and master money and business. Check the link in the next 24 hours on my Charles Kelly Marketing Facebook page https://www.facebook.com/CharlesKellyMarketer.

UK Government’s Official Shortage Occupations List 2021

 

 

Occupation code	Job types included on the shortage occupations list	Areas of the UK where there is a shortage	Annual salary (80% of going rate)
1181	Health services and public health managers and directors – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £30,720 (£15.15 per hour)
1242	Residential, day and domiciliary care managers and proprietors – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £21,360 (£10.53 per hour)
2111	Chemical scientists – only jobs in the nuclear industry	Scotland only	80% of going rate: £21,360(£10.53 per hour)
2112	Biological scientists and biochemists – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £23,760(£11.72 per hour)
2113	Physical scientists – only the following jobs in the construction-related ground engineering industry: engineering geologist hydrogeologist geophysicist	England, Scotland, Wales, Northern Ireland	80% of going rate: £29,200(£14.40 per hour)
2113	Physical scientists – only the following jobs in the oil and gas industry: geophysicist geoscientist geologist geochemist technical services manager in the decommissioning and waste areas of the nuclear industry senior resource geologist and staff geologist in the mining sector	England, Scotland, Wales, Northern Ireland	80% of going rate: £29,200(£14.40 per hour)
2114	Social and humanities scientists – only archaeologists	England, Scotland, Wales, Northern Ireland	80% of going rate: £20,720(£10.22 per hour)
2121	Civil engineers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £28,000(£13.81 per hour)
2122	Mechanical engineers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £26,720(£13.18 per hour)
2123	Electrical engineers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £29,600(£14.60 per hour)
2124	Electronics engineers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £27,760(£13.69 per hour)
2126	Design and development engineers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £27,280(£13.45 per hour)
2127	Production and process engineers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £26,480(£13.06 per hour)
2129	Engineering professionals not elsewhere classified – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £26,160(£12.90 per hour)
2135	IT business analysts, architects and systems designers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £29,280(£14.44 per hour)
2136	Programmers and software development professionals – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £26,640(£13.14 per hour)
2137	Web design and development professionals – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £20,800(£10.26 per hour)
2139	Information technology and communications professionals not elsewhere classified – only cyber security specialists	England, Scotland, Wales, Northern Ireland	80% of going rate: £25,440(£12.54 per hour)
2216	Veterinarians – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £26,000(£12.82 per hour)
2425	Actuaries, economists and statisticians – only bio-informaticians and informaticians	England, Scotland, Wales, Northern Ireland	80% of going rate: £26,240(£12.94 per hour)
2431	Architects – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £28,000(£13.81 per hour)
2461	Quality control and planning engineers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £24,400(£12.03 per hour)
3111	Laboratory technicians – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £14,560 (£7.18 per hour)
3411	Artists – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £16,800(£8.28 per hour)
3414	Dancers and choreographers – only skilled classical ballet dancers or skilled contemporary dancers who meet the standard required by internationally recognised UK ballet or contemporary dance companies. The company must be endorsed as being internationally recognised by a UK industry body such as the Arts Councils (of England, Scotland or Wales).	England, Scotland, Wales, Northern Ireland	80% of going rate: £23,840(£11.76 per hour)
3415	Musicians – only skilled orchestral musicians who are leaders, principals, sub-principals or numbered string positions, and who meet the standard required by internationally recognised UK orchestras. The orchestra must be endorsed as being internationally recognised by the Association of British Orchestras.	England, Scotland, Wales, Northern Ireland	80% of going rate: £22,000(£10.85 per hour)
3416	Arts officers, producers and directors – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £24,000(£11.83 per hour)
3421	Graphic designers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £18,800(£9.27 per hour)
5215	Welding trades – only high integrity pipe welders, where the job requires 3 or more years’ related on-the-job experience. This experience must not have been gained through illegal working.	England, Scotland, Wales, Northern Ireland	80% of going rate: £18,240(£8.99 per hour)
6146	Senior care workers – all jobs	England, Scotland, Wales, Northern Ireland	80% of going rate: £13,520 (£6.67 per hour)