The Disraeli Room

Children and Families

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Better Save than Sorry? Family Finances After the Emergency Budget

3

Sandra Gruescu mourns the death of the Saving Gateway and would like to see the Child Benefit means-tested

"...The Saving Gateway scheme generated both new savers as well as new savings. As did the (Child Trust Fund . However, both schemes are scrapped, leaving savers in limbo. I really don’t know why anybody would save these days, with interest rates being so low. But – given the huge savings and asset crisis we have in the UK – scrapping those two schemes against the background of low interest rates and little trust in banks can only be called a move in the wrong direction..."

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Are We Getting Rid of the Germans at Last?

4

Sandra Gruescu boldly predicts another World Cup win for England

"...The German team had a fantastic start in this World Cup with four wonderful goals against Australia. The German daily BILD proclaimed “Ihr habt uns vierzaubert”, the country was happy and forgot their floundering coalition government for a while..."

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Why Axing the Child Trust Fund is Wrong

7

The importance of asset-building policies

"...The Child Trust Fund is, or rather was, part of the beginning of an asset-building social policy. So far, it has boosted savings as since the inception of the Child Trust Fund more parents are saving more for their children..."

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The Future for Children and Families

2

Thoughts on what children and family policy may look like under a Tory/Lib Dem Government

"...The Conservative Party would like to recognise a commitment such as marriage or a civil partnership in the tax system with a transferable tax allowance of up to £750 for couples earning less than £44,000. This might be no longer the case under a Tory/LibDem Government as the latter recognise that “families come in all shapes and sizes”, taking up Labour’s mantra..."

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Safeguarding Vulnerable Adults – it is Everybody’s Responsibility

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The shocking case of Michael Gilbert

"...Michael Gilbert, a very vulnerable adult, had been tortured and treated like a slave for a decade..."

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The fall out from the IFS' latest study on marriage: time for a grown-up discussion?

4

Should we really still be arguing about who makes the best parents?

"...The Institute for Fiscal Studies yesterday published a report that found no positive influence of marriage per se on the outcome of children. However, children of married people seem to develop better which can be explained by differences in characteristics of those parents who choose to marry and those who don’t... it is not hard to guess the correlation correctly..."

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Tax and Marriage: Perspectives from Europe

2

A comprehensive analysis of whether tax and marriage really do go together 'like a horse and carriage...'

"...income splitting can be very advantageous for those couples where one partner earns less than the individual tax allowance of £6,475. An example: one spouse earns £4000 per year, the other spouse £12,475. The first pays no tax at all, the second pays tax on £12,475-£6,475=£6,000. At the basic tax rate of 20 percent this is a tax bill of £1,200. Now, let’s apply income splitting. The combined income of the couple if £16,475. Divided by two this is £8,237.50. So each spouse is allocated (for tax purposes) an income of this amount. For tax calculation the personal tax allowance is deducted: tax of 20 percent is paid on £8,237.50 - £6,475 = £1,762.50; the tax take is £352.50 each. Multiplied by two, this is £705, considerably lower than the tax bill of £1,200 in case joint income splitting is not applied. So maybe income splitting should be restricted to those married couples on very low income?..."

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The Single Father

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Investigating a forgotten species

"...Lone parenting presents a range of difficulties, however being a lone father poses a unique conflict..."

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Budget 2010 - Children and Families

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Not the budget to end child poverty

"...The cost of child poverty is high – it is estimated to stand at £25bn per year – so the fight against it should be part of the plan for economic recovery, not something that can be treated on the sidelines..."

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Fighting Fit

4

ResPublica's Sandra Gruescu on just how we deal with a problem like obesity

"...It won’t be enough to introduce fitness tests in schools and to simply send letters to parents berating them for doing a bad job because their children have failed..."

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