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England World Cup match times ‘welcome boost’ for pubs and bars

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England World Cup match times ‘welcome boost’ for pubs and bars



The announcement that England’s group stage matches in the World Cup will kick off before midnight is a “welcome boost” for pubs and bars, the boss of an industry body has said.

There had been some concerns among fans that late fixtures could curtail celebrations as next summer’s tournament will take place in the US, Canada and Mexico, meaning some games will not start until 3am UK time.

Dates, kick off times and stadiums for group stage matches were confirmed on Saturday, with Thomas Tuchel’s side to face Croatia at 9pm UK time on June 17, 3pm local time in Texas, at the home of the Dallas Cowboys NFL team.

The second match against Ghana on June 23 is a 4pm kick-off in Boston, 9pm in the UK, while the final group game against Panama at the MetLife Stadium in East Rutherford, New Jersey, is a 5pm kick-off local time – 10pm in the UK on June 27.

Kate Nicholls, the chairwoman of UK Hospitality, said: “This news is a welcome boost for the hospitality industry.

“Everyone knows that if you aren’t able to attend the game itself, your local pub or bar is the next best place to do it.”

But there are concerns that venues in Scotland risk missing out on that boost with later kick-offs for their national team.

There will be late nights for armchair fans watching Scotland’s games, with the opening game against Haiti in Boston kicking off at 9pm local time – 2am on June 14 back at home.

The second game against Morocco on June 19 is also in Boston, kicking off at 6pm – 11pm in the UK, and in the final group match they will take on Brazil in Miami on June 24, again at 6pm, or 11pm in the UK.

Paul Togneri, of the Scottish Beer and Pub Association, called for flexibility from licensing boards following the announcement.

“This is a once-in-a-generation moment for Scotland fans and should be a major boost for Scotland’s pubs, but with kick-offs at 11pm and 2am, that opportunity is at risk,” he said.

“Each match should give an estimated £3 million boost to Scotland’s pubs but we need licensing boards to show flexibility and allow pubs to open their doors, that’s why we’re calling for temporary licensing statements for the whole of the tournament.

People will rightly want to come together and celebrate, like they did a few weeks ago when we qualified. Let’s make sure they can do that in a safe, regulated environment, and give our pubs a chance to benefit from this incredible occasion. No Pubs, No Party.”

Football fans across the UK may appreciate the 8pm kick-off for the final, which will take place at the MetLife Stadium in New Jersey on July 19.

For England and Wales, the Government on Thursday launched a consultation on extending pub licensing hours for the tournament next summer.

If approved, already licensed venues could have their licensing hours extended for the semi-finals and final until 1am, if matches for England, Wales, Scotland or Northern Ireland kick-off at 9pm or earlier UK time.

The power was recently employed for the Women’s Euros in summer and it was also used during the King’s coronation in 2023.

Ms Nicholls said: “Big sporting events always provide a sales boost for the sector and operators will be pulling out all the stops to ensure fans get the very best experience, as they come together to cheer on the home nations teams this summer.”



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Redcar Area Foodbank running reverse advent calendar

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Redcar Area Foodbank running reverse advent calendar


Redcar Area Foodbank A woman with short, dark hair wearing a Santa hat smiling into the camera. She is holding an arrow with 'naughty' written on it pointing to a bag of macaroni in her other hand. She is standing behind a golden frame with holly in the top corners.Redcar Area Foodbank

Every day the foodbank reveals an item it wants people to donate

A foodbank is asking for donations ahead of Christmas through a reverse advent calendar.

Tracy Gibson from the Redcar Area Foodbank said it was “always busy at this time of year” and the advent calendar allowed people to give something to the local community.

Every day, the foodbank reveals on social media which item it would like the public to donate, ranging from food to Christmas treats.

Alongside the usual essentials, it will be asking for items such as custard, cranberry sauce and gravy.

Ms Gibson said instead of people getting something from an advent calendar in December, it was asking them to give something to the foodbank.

“We have a wee bit more treats in December, so that people can get a treat if they are struggling and need a food parcel, there’s some Christmas treats in there,” she said.

The foodbank will also be asking for items like socks, scarfs and gloves to give people an “extra little surprise” in their Christmas parcel.

Redcar Area Foodbank A woman with short, dark hair, dangly earrings and a pink jumper standing behind the same frame. She is holding a blue box of cereal in one hand and her other is holding onto the white door of the frame.Redcar Area Foodbank

Volunteers hope the calendar and toy appeal will help as many families as possible

The foodbank is also running a small toy appeal alongside the reverse advent calendar to help as many families out in the area as possible.

Ms Gibson said the foodbank was “always busy at this time of year” despite Christmas, as people were struggling more financially because of increased heating costs.



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Is Early Retirement At 50 Possible? Here’s The Savings Math

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Is Early Retirement At 50 Possible? Here’s The Savings Math


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Early retirement at 50 needs discipline, smart investing and a clear estimate of your future expenses. Compounding and diversification help build a strong long-term corpus.

To retire at 50, experts suggest multiplying annual expenses by 25–30 to find the ideal corpus.

Many people have a dream to stop 9-to-6 grind once and for all and take early retirement, typically after 50, when the body isn’t as fresh as in youth. But the task seems uphill, especially for the middle class, who are solely dependent on their monthly salary rather than a business.

Building a corpus isn’t rocket science. What it requires is financial discipline and self-control, while keeping focus on regular investment with a diversified portfolio, including equities, debt and gold and silver.

Compouding will work as magic wand to multiply your money, so you can build a substantial corpus that will be helpful in retirement.

Retiring at 50 means your money must last for the next 30–35 years, so estimating the right corpus is the first step, according to Ajay Kumar Yadav CFPCM, Group CEO & CIO , Wise Finserv.

So, How Can You Estimate A Right Corpus For You?

Yadav said that a practical way to do this to multiply one’s annual expenses by 25-30, based on the sustainable withdrawal rate of 3-4 per cent.

Giving an illustration, Yadav stated that if your current annual expense is 12 lakh, your ideal corpus should be 3 crore to 3.6 crore.

Inflation is the biggest money-eater and roadblocker in the pathway to building a good corpus. In simple terms, it reduces the purchasing power of the same amount over the time. For instance, what you can purchase with a note of Rs 100, you can’t do the same 5 year later.

Yadav explained that a monthly expense of 1 lakh grows to 1.34 lakh in five years at 6% inflation, raising annual expenses to 16.1 lakh. That lifts the required corpus to around 4 crore to 4.8 crore.

Other Assets As Important As Equities

Yadav underlined that equity is the main factor for compounding in the long term. However, he suggested, to still have a part of your investment in high-quality fixed-income allocations.

“They provide the investor with comfort, predictable cash flows and also help to maintain the discipline during the volatile phases,” he added.

Consider scenarios where equity returns stay flat, or markets go through multi-year volatility, Yadav underlined the importance of stress-testing for retirement plan. “. This exercise shows whether your corpus can truly last and whether you need to adjust spending, asset allocation, or risk levels.”

He recommended to add a contingency buffer of 10–15 %, setting up systematic withdrawals, and reviewing your plan annually can extend the life of your retirement money.

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Sold 30 items on Vinted? Don’t panic if you get a message about tax

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Sold 30 items on Vinted? Don’t panic if you get a message about tax


Jennifer MeierhansBusiness reporter

Getty Images A young woman wearing shorts and T-shirt standing in a bedroom in front of an open wardrobe full of clothes. She is holding up a red and white striped top and taking a photo of it with her phone.Getty Images

Jazz singer Billie van der Westhuizen started using Vinted about six months ago to sell clothes and shoes she hadn’t worn for ages.

“I got really into it and was selling loads of stuff,” she says. “Then I got a message saying I needed to enter my National Insurance number. It wasn’t clear at all why it was asking.”

Vinted users who have sold 30 items or made £1,700 in a year are being asked for their NI number, leaving many like Billie confused and some panicking that they will have to pay tax.

But this is not about any tax changes – it’s due to reporting rules for websites and apps that allow users to sell goods or services, including eBay, Etsy, Depop and AirBnb.

Billie, 30, from London, says she entered her NI number as prompted but in hindsight was not sure what it was about.

Billie van der Westhuizen A selfie of 30-year-old Billie van der Westhuizen who has long dark wavy hair and is wearing a white jumperBillie van der Westhuizen

Billie van der Westhuizen says she has been a bit put off selling items online since being asked for her NI number

“I just sent it but I thought there’s no way they could tax the amount of money I’ve made off this,” she says.

“If I was making thousands maybe, but I reckon I’ve made maybe £500 and I’m selling things for less than I paid for them.”

The pop-up alert Billie received sends Vinted users to a form asking for their name, address and NI number “as required by UK law”.

Some Vinted sellers have posted screenshots of the messages on TikTok and Instagram asking if they have to give their details, and if they do, will they be taxed.

Vinted A screenshot of a message on Vinted which says we need some info. It's required by UK law and only takes a minute. There are two buttons which say complete now and complete later. Another message says do you have a National Insurance number now? You made 30 sales, so UK law requires us to ask you to confirm your info. There are two boxes yes and no.Vinted

One user posted on Reddit: “Vinted is asking for my National Insurance number, does this mean I have to pay taxes? I barely make money on Vinted – what happens if I ignore this?”

Chartered accountant Abigail Foster says while a lot of people may panic when asked for tax information by Vinted, for most users this is nothing to worry about.

“If you’re simply selling your own second-hand clothes or household items, you won’t owe any tax, even when Vinted shares that data with HMRC,” she says.

“This rule is aimed at people who are effectively running a resale business, not those decluttering their wardrobes.”

It would be very easy for HMRC to tell if someone was trading by checking for multiple listings of the same product or items bought and quickly resold for higher prices, she adds.

New reporting requirements for digital platforms came into effect on 1 January 2024 with the government saying they would help it “bear down on tax evasion”.

Vinted sellers reported receiving in-app messages asking for their NI number around this time last year.

Information must be shared with HMRC by the end of the calendar year that sellers hit the 30 item or £1,700 threshold, according to Vinted.

Vinted A screenshot of a message on Vinted which says is your information right? You made 30 sales so UK law requires us to ask you to confirm your info. Learn more. Country of tax residency, first name, last name, date of birth, billing address. There are two buttons cancel and yes, it's rightVinted

An HMRC spokesperson said: “People remain responsible for their own tax affairs, and for assessing whether they need to complete a tax return to report trading income.

“As your side hustle grows, any unpaid tax might come under the spotlight.

“This could lead to an unexpected and possibly very large tax bill if you haven’t told us about the extra money you’ve been earning. That’s why it’s really important to stay on top of your tax affairs.”

Research commissioned by HMRC in 2022 suggested around one in 10 UK adults participated in what it called the “hidden economy” – earnings that are entirely or partially concealed from the tax authority to avoid paying taxes.

What are the tax rules for online selling?

  • Platforms must tell HMRC about anyone who sells more than 30 items or whose total sales hit £1,700 in a year
  • This does not automatically mean these people have to pay tax
  • Selling your own clothes or other items is not taxable if you’re selling them for less than you originally paid as you are not making a profit
  • Tax only applies if you are buying stock to resell, or making more than £1,000 in profit per year
  • If you sell an item for more than £6,000, you may need to pay Capital Gains Tax.
  • You can use HMRC’s online tool to check if you need to tell the authority about your income



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