In his conference speech, David Cameron said a Conservative government released from coalition would make two changes to income tax by 2020. He presented the first – a rise in the amount of money people earn before they pay income tax to £12,500 – as a tax cut for minimum wage workers. He presented the second – a rise in the level at which workers start paying the 40p rate of income tax to £50,000 – as a tax cut for the middle class. Neither change is quite what Mr Cameron says it is.
The chart below suggests how much people making various incomes stand to benefit from the changes. (Source: Ben Richards.) Treat it as illustrative: the exact numbers will depend, among other things, on when the cuts are introduced. But it shows how the bulk of the benefits would be skewed towards those in the top quarter of earners.
‘We love our city and belong to it. Neither of us are English; we’re Londoners, you see,” wrote Hanif Kureishi in his screenplay for Sammy and Rosie Get Laid. The film touches on a theme that has become even more powerful since its 1987 release – the idea that to be a Londoner is to transcend nationhood and, in particular, Englishness. Economically and financially, London has diverged from the rest of the country. Culturally and politically, there are signs that its 7.8m inhabitants are doing the same.
The Parisian arriving in London by train alights at a resplendent station. St Pancras, and the adjacent King’s Cross, make Gare du Nord look like a provincial hub. The surrounding area, once a ramshackle collection of properties, is gleaming with new hotels, offices and prime accommodation. It is a clear sign of how London’s economic geography has changed in the 21st century. The inner city has developed rapidly. Poverty is moving to the outskirts of the capital. As its core grows faster than its periphery, London is becoming more like Paris. Read more
Pollsters would have been confounded by a Yes, instead they were mildly surprised by differential turnout.
The “shy Nos “were not so shy. The “missing million” went missing. Read more
On Thursday, Scots will vote on whether Scotland should be an independent state. Such a referendum seemed unlikely 10 years ago. A Yes vote would have seemed even more surprising. This is an attempt to explain why the vote is happening – and why it is happening now – for interested and befuddled people from all over the world. In other words, it is a history of 1,000 years of Scottish nationalism. Read more
The defining characteristic of recent polling on the independence referendum has been convergence, not volatility. Six new polls were released over the weekend. They affirm patterns evident since August: a narrow (and narrowing) No lead based on voting patterns among different genders, ages and social classes. If Yes were to win on Thursday it would be cause for serious reflection for all of the pollsters.
After the shock of its poll last week showing the Yes side ahead in the Scottish independence referendum, YouGov’s latest is a return to relative calm. Based on an online survey carried out between Tuesday and Thursday of this week, the pollster puts the Yes side on 48 per cent and No on 52 per cent, excluding undecideds.
If the poll released by Survation on Wednesday evening were the only poll about the independence referendum published in the past two weeks there would be no panic. No all-party devolution plans. No saltire on Downing Street. No last minute visits.
Before this poll, the three previous surveys (two from YouGov and one from TNS) had each undermined the established story about the vote on September 18. They suggested that Yes was gaining support, including among women and young people, leaving the No side relying on Scots in their dotage to carry them to the finish line.
In 2003, Carol Craig published The Scots’ Crisis of Confidence, a book that led to a lot of debate in Scotland. A mix of overgeneralisation and insight, it argued that Scots were mentally ill-equipped for the 21st century. Craig wrote that this was not down to an inhibited Scottish identity but rather from too much Scottishness. An inheritance of Calvinism, socialism and patriotism had bestowed on Scots a narrow perspective on the world and their own potential to shape it. She also criticised an overly masculine culture soaked in whisky, football and that dandy Robert Burns.
As one might expect this provoked quite the reaction, which in many instances supported the points Craig was making. Either way, her aim was a good one: to try to encourage a more vibrant, entrepreneurial, pluralistic and open Scottish society. Read more
Now we know: the YouGov poll that on Saturday ended complacency about the outcome of the independence referendum was not an outlier. On Tuesday, TNS BMRB, another pollster, published results from its final survey. These show No on 39 per cent of possible voters, Yes on 38 per cent, with 23 per cent undecided.
Summarising the results, Tom Costley, TNS Group Director, told me it’s “almost all good news for the Yes campaign” and the race is “neck and neck; too close to call”. His poll is further evidence that the momentum has swung towards the Yes side.
The charts below show the running TNS tallies, first for all likely voters, and second for voters who say they are certain to vote in the referendum. When it comes to certain voters, the two sides are both on 41 per cent. (TNS likes the certain voter measure. Mr Costley says it is very highly correlated with actual turnout.)
On September 18, Scotland will vote to leave the UK. That is the conclusion being drawn from the latest YouGov poll on the independence referendum. Published Saturday, it has Yes on 51 per cent and No on 49 per cent, once don’t know votes are excluded. The sides are within the margin of error but the momentum is with Yes.
“It is not about nationalism, it is about socialism.” That is the argument for Scottish independence made not only by many Scots but also by some on the English left. In Scotland, the Jimmy Reid foundation, Common Weal, the Scottish Socialist party, the Scottish Greens and some of the SNP have called for “radical independence”. This idea has attracted left-wing supporters from south of the border: Billy Bragg, John Harris, George Monbiot, Tariq Ali and other writers often found in the Guardian. They hope that Scottish independence will serve as a catalyst for England’s left. A No vote, Monbiot argues, would be an act of “self-harm” and “system justification”.
Although the formal Yes campaign has not gone as far as some of the fringe groups, its underlying argument in the final months of the campaign has been that Scotland is politically and morally different from the rest of the UK – it is crying out to be a social democracy, while the Conservative-led government in London drifts to the right. Read more
This chart is via Ed Conway:
The coloured lines denote the voting intentions of different age groups in the independence referendum. Voters aged 60 and over (green line) remain firm No voters, according to data from YouGov, a pollster, but in its latest poll, a majority of Scots in the other age groups now say they will vote Yes.
These data are from only one polling company and when you break samples of about 1,000 (roughly the average number of people per poll) then the numbers per age group become small quickly. Nevertheless, there is growing evidence that if Scotland is to vote No on September 18, it will be older voters who preserve the union. Read more
“Scotland will vote to remain in the United Kingdom, and by a decisive enough margin to settle the matter for many years to come”, wrote Peter Kellner, the president of YouGov, at the beginning of July. But after reading the results of his new poll, released on Tuesday, the pollster is less confident. The pro-independence side in the Scottish referendum is “in touching distance of victory”, he writes in the Sun.
Many people make irrational, uninformed and potentially devastating decisions about what they do with their money. They can be bamboozled or defrauded by those with better information or cruel intentions. The financial crisis was only the most acute reminder of how pervasive poor decision-making can be when it comes to money.
From today, pupils aged 14-16 in the UK will be taught “financial literacy” as part of the national curriculum. They will be taught about credit and debt, savings and pensions, and public finance. (It is like the FT graduate scheme on a massive scale.) The hope is that this will better equip youngsters to make smart decisions about what to do – and what not to do – with their money as they go through their lives.
Will it work? Read more
In his opening remarks, Alistair Darling tried to ensure the second televised debate on Scottish independence would be all about Alex Salmond. “A good line is not always a good answer”, the leader of the pro-union side said, referring to his opponent’s brand of chutzpah. Encouraged by his strong performance in the first debate two weeks ago, Mr Darling sensed weakness, implying that Scots should ask themselves whether they can rely on someone as opportunistic as the first minister. The problem with this approach: a very different Alex Salmond turned up this time. Read more
I watched as much of the televised/streamed debate between Alex Salmond and Alistair Darling as possible given the STV Player’s own independence struggles.
Here are some impressions I took from the evening:
1. The format of the debate did not serve to enlighten the public. Candidates were allowed to “cross-examine” each other but as Mr Darling, a lawywer, would have been well aware, this is impossible to do forensically in such a short time. He shouted a bit, which looked bad, while Mr Salmond asked about aliens, which was odd. It reminded me at times of a fervent night in an Edinburgh pub. The questions from the audience were smart (see below) but there were too many of them. The candidates were not able to answer them in full, through no fault of their own. Read more
An independent Scotland would not have to join the EU. But most Scots want Scotland to be an EU member and it is a central plank of SNP policy. There is no precedent, however, for what happens if part of a member state becomes independent and wishes to remain part of the EU. (Greenland, Germany and Czechoslovakia are all relevant but different cases.) This is one reason why both sides have been vigorously engaging in claim and counter-claim over EU law.
On September 11, 1997, Scots voted for a devolved parliament with tax-raising powers. If that seems like a long time ago consider that there are tens of thousands of Scots born after the devolution vote who are eligible to vote on independence. These teenagers were also born after Braveheart was released – and how it shows: they seem to be far from the ardent Yes voters that many nationalists hoped for.
When it was announced that 16- and 17-year-olds would be eligible to vote in the referendum on independence, I instinctively thought that this would give a wee boost to the Yes side. Here are voters who have grown up under a devolved parliament. They are another generation removed from those with powerful experiences of British institutions and events such as the second world war. And why would Alex Salmond want them to vote if they were not more likely to be in the Yes camp?
Nevertheless, research by Dr Jan Eichhorn and his colleagues from the University of Edinburgh suggests that young Scottish voters are sceptical of independence. If accurate, these surveys will have negative implications for the Yes campaign. Young Scots may turn out to be yet another example of the ungrateful enfranchised; both Disraeli and Wilson were turfed out by the electorate they expanded. Read more