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Regulating consumer credit
Incorporating HC 866 of Session 2013-14. The NAO report on this report published as HC 685, session 2012-13 (ISBN 9780102980578)
Painless
At last! The exciting, steamy, action packed conclusion to the Story of Samantha Smith! PAINLESS follows Samantha through the remainder of her first year in college at sunny San Diego University. Oh, and what about that hot hunk Christos Manos? When we last left him, his life balanced on the brink of disaster. What is going to happen to him? You’ll have to read PAINLESS to find out! Find out what happens to Samantha, Christos, Romeo, Kamiko, Madison, Jake, and everyone else in PAINLESS, the third and final volume of the series! This book is full of surprises!! WARNING!! Once again, the steam factor in PAINLESS is much higher than in FEARLESS (book 1), but similar to RECKLESS (book 2).
Department of Health
The strategic management of health resources across the East of England Strategic Health Authority has failed. Ultimate responsibility for this rests with the Department of Health. For many years to come, the local community as well as the NHS and taxpayers will have to live with the consequences of separate decisions to build a new PFI hospital at Peterborough and to award a franchise to a private company to run the nearby Hinchingbrooke hospital. These decisions were taken separately despite the fact that the two hospitals are only 24 miles apart in an area where the NHS has long acknowledged that healthcare provision is running ahead of local needs. The reality is that there is not enough...
Department for Communities and Local Government
Central government grant funding to local authorities is being cut by over a quarter in real terms (£7.6 billion) between 2011 and 2015. The Department for Communities and Local Government is also introducing fundamental changes to the local government finance system with reforms to business rates and council tax benefits, so the pressures on the sector are set to increase. The Department does not properly understand the overall impact on local services that will result from the funding reductions, nor has it modelled how funding changes may adversely affect other areas of the public sector. It must improve its ability to foresee what effects the full package of funding reductions and refor...
Live with Intent
What does it look like to Live with Intent, where self-doubt does not exist and your life is on a course towards remarkable achievement? The Live with Intent authors tap into their deep experience to help people create a roadmap for personal and professional reinvention. They teach you how to get from where you are to where you want to be, increase your confidence and live with passion and purpose. The concept of horizons is introduced, encouraging you to dream about a future without fear or self-doubt clouding the picture. By aiming high, these new horizons, coupled with the planning principles presented, paint a picture of endless possibility. Once your horizon is determined, Live with Intent teaches a system for not only reaching that horizon but seeing the chance for yet another to be developed, fulfilling a broader purpose in life. Live with Intent mixes anecdotes from the world of business, politics, and history to guide readers into discovering their new horizons. Using practical exercises, meditations, and unique techniques, these Stephen Covey-trained experts will help you understand where you are now, where you are going and exactly how to get there.
Charity Commission
This report examines the Cup Trust and the Charity Commission's procedures for regulating charities. The Charity Commission (the Commission) registered the Cup Trust (the Trust) as a charity in April 2009, with a company called Mountstar - based in the British Virgin Islands - as its only trustee. Although the Trust generated ’income' of £176 million, only £55,000 has been given to charitable causes, and the Cup Trust claimed Gift Aid of £46 million. Despite its declared charitable aims, it is clear that the Trust was set up as a tax avoidance scheme by people known to be in the business of tax avoidance. The Trust does not meet the public expectations of a charity and it is unacceptabl...
Tax Avoidance
HMRC estimates that in 2010-11 the tax gap due to avoidance was £5 billion and that the present total tax at risk from avoidance over time is £10.2 billion. There is a proliferation of contrived schemes which exploit loopholes in legislation and abuse available tax relief schemes. Promoters are deliberately taking advantage of the time lag between the launch of a scheme and the closure of the scheme by HMRC. Promoters and providers sign up as many clients as possible before HMRC changes the law and shuts the scheme. They then move on to a new scheme and repeat the process. The complexity of tax law creates opportunities for avoidance, there is no effective deterrent, and HMRC is ineffectiv...
House of Commons - Committee of Public Accounts: BBC Severance Packages - HC 476
In the three years to December 2012, the BBC gave 150 senior managers severance payments totalling £25 million. The BBC paid more salary in lieu of notice than it was obliged to in 22 of the 150 severance payments for senior managers in the three years to December 2012, at a cost of £1.4 million. It is unacceptable for the BBC, or any other public body, to give departing senior managers huge severance payments that far exceed their contractual entitlements. Some of the justifications put forward by the BBC were extraordinary. The Committee welcomes the changes that the BBC's Director General, Lord Hall, has made to cap severance pay. Recommendations include: the BBC should remind its staff...
Football Manager Stole My Life
Football Manager stole my life reveals the cult behind a computer game that, since its debut in 1992, has sold 20m copies and become a part of football culture.
Tax avoidance - Google
Google generates enormous profits in the UK. But despite an $18 billion turnover between 2006 and 2011 it paid the equivalent of just $16 million in taxes to the UK government. Google brazenly argues that its tax arrangements in the UK are defensible and lawful. It claimed that its advertising sales take place in Ireland, not in the UK. This argument is deeply unconvincing and has been undermined by information from whistleblowers, including ex-employees of Google. Google also conceded that its engineers in the UK are contributing to product development. The company's highly contrived tax arrangement has no purpose other than to enable the company to avoid UK corporation tax. Google's reputa...
