Tim Skelton-Smith

@UtilitaBowl I’ve got Priorty Club and my son has a junior membership. Will he need Priority Club too to get access to Ashes tickets at the same time as me? It’s all very unclear on your website.

Great piece by @mattiebrignal using @Quilter data on the £100k tax trap. HMT’s response feels like: others need help more. That doesn't make a 60% marginal rate fair. The twist is that more people earning over £75k vote Labour than any other party. telegraph.co.uk/money/tax/news…

.@lisanandy is wrong on @TimesRadio. The numerous budget rumours do have real world consequences for people as they take knee jerk and sometimes irreversible action with their finances when they shouldn’t.

We're pleased to announce our results for the first half of 2025, delivering an adjusted profit of £100 million. This represents an increase of 3% on 2024’s strong base level. Read the full announcement 👉 bit.ly/45kYGhJ

@Ginger_Raccoon Fair points but you start your striker who is scoring and Agyemang’s hold up play matches Russo’s.

@sketim Russo goes under the radar but has actually done a brilliant job of holding up the ball this tournament, often when lacking support. Shots could have been a bit sharper but done better than people give credit for. Agyemang makes more impact from the bench and will stay that way.

Wiegman has to be starting Agyemang ahead of Russo in the final, right? Also, Hemp was outstanding in the semi final #Lionesses #ENGITA

Rugby's biggest matchups return! The @Quilter Nations Series is just a few months away! 🔥😤 The 2025 #QuilterNS kicks off on the 1st of November! 🗓️ The world will be watching! 🌍 #QuilterNS | #QCNS

@MartinSLewis Would need to be a S&S ISA but not sure how you’d identify the qualifying sub without being separate. Penalty for withdrawing? Seems messy.

The suggestion I've made to the govt instead of cutting cash ISA limit... launch a "starter investment ISA." The thought behind cutting the cash ISA allowance is to encourage, especially younger people, to invest instead via stocks & shares ISAs (which in the long run is likely to be better for them and the economy). I think it's unlikely to work, if people want savings, they want savings. Its also unfair to deny older people, who have to be more risk averse when trying to nudge younger people. As the govt has repeatedly said none of this is about raising revenue, I've suggested an alternative concept... Launch a new "Starter Investment ISA" you can put say up to £1,000 in (whether lump sum or dripped in monthly) and as well as it being tax-free you'll get for example a 5% boost on contributions from from State (with the cost split between investment providers and the state) as long the money is kept in investments for a set time (eg 1yr). This is a sweetener to encourage people who've never invested to dip their toe in the water. Part of the issue is lack of education and guidance about risk/reward and investing, so doing this would enable it to be more talked about, and let people to take the plunge with less risk (ie some risk is offset by the 5%). It would be set up so you could use the same account to invest in a standard investment ISA too. So people can seamlessly add more funds to it (no bonus over the first £1,000 though) It could be capped at a set age (prob 40 like LISAs) if it needed to be targeted. Don't worry about the numbers or exact rules, its a conceptual suggestion. Thoughts welcome

@hantscricket @Matrix_IT_LTD @UtilitaEnergy Daws looking and playing like The Terminator.

@Matrix_IT_LTD @UtilitaEnergy HOW ABOUT A THIRD? DAWS INTO THE ATTACK, DAWS INTO THE WICKETS 👊 SOM: 50-3 (6.2) require 129 runs from 13.4 overs 📺 Watch Hawks v SOM 👉 utilitabowl.com/cricket/news/l…

After a slightly delayed toss, we will be batting first 🏏 Chris Lynn misses out through injury 📝 Your Hawks XI: Vince (C), Orr, Albert (+), Weatherley, Cartwright, Fuller, Howell, Dawson, Currie, Wood, Baker @Matrix_IT_LTD 🔢 Match Centre ⤵️

@John_Stepek There are lots of people who want a little more help and a nudge from providers who simply can’t today due to risk of falling into advice. As you say, AE successful because someone sorts it for them.

Financial advice is a problem of demand, not supply. Which is why new FCA reforms are unlikely to put much a dent in the so-called "advice gap". bloomberg.com/news/newslette…

🚨 A new FOI request by Medifintech has revealed that the 2019/20 Annual Allowance Compensation Scheme is failing NHS members and falling far short of its promise to address financial losses. ❌ Nearly £31 million is set to be lost due to incomplete processes and confusing guidance. Good article by @CallumCMason highlighting the issue inews.co.uk/inews-lifestyl…

@louhannan This is sad news. Good luck, Lou!

Some personal news…

@_joshuahemmings Cheers. Mola also awful. Bit better 2nd half overall. Emphasis on ‘bit’.

@sketim Not usually no

Isaac Hutchinson is playing up front. #UTG ⛽️ | #BristolRovers 🔵⚪️

@Official_BRFC Hunt and Mola have been terrible. They look like they are out of their depth.

Behind at the break.

Quarter of council tax revenue spent on ‘unjustifiably generous’ staff pensions thetimes.com/article/c05f41…

More than 2m people will pay 60% tax on part of their income by 2029, official estimates suggest thetimes.com/article/925d8c…

@Justin_Cash_1 Lovely. Congratulations, Justin.

This is Noah. He says hi. And send all your best goss to justin.cash@dowjones.com while his dad’s on pat leave.

Exclusive: U.K. wealth managers warn government over its plan to levy inheritance tax on pensions, saying it will “undermine” the pensions system and risks leaving beneficiaries with higher costs and lengthy delays, with @marymcdougall13 ft.com/content/785c54…

@Nic_k_T_ @bom_ding @Quilter No. The policy is about merging Local Government Pension Scheme assets, not private pensions. Hope that helps.

@bom_ding Is this ex bank teller bitch planning to gamble using my private pension pot managed by @Quilter ? Please reply...

Reeves eyes £80bn investment with pension ‘megafunds’ planning to amalgamate public sector pension funds to enable gov to stimulate economy. But rumoured to extend powers to private pensions too. Sounds like biggest gov purloining of funds by stealth; ever cityam.com/reeves-eyes-80…