35 Burst results for "Self Employed"

Unemployment claims remains stuck at high level

All of It

00:49 sec | 5 d ago

Unemployment claims remains stuck at high level

"Of unemployment in the U. S. Triggered nearly a year ago, a stretching into another week of 2021. NPR's Scott Horsley has details. Labor Department says about 1.2 million people filed new claims for unemployment last week that includes 730,000 claims for state benefits and another 451,000 claims under the federal program for Gig workers and the self employed. Names were down sharply from the previous week, suggesting a drop in layoffs. All the bad weather and other factors may have distorted the count. As of early February, some 19 million Americans were receiving some form of jobless aid. Many of those benefits are set to expire next month. Congress is weighing a $1.9 trillion economic package that would, among other things, extend emergency jobless aid through August. Scott Horsley. NPR NEWS Washington

Scott Horsley Labor Department U. NPR Congress Washington
Unemployment Claims Dropped Last Week as Coronavirus Cases Eased

NPR News Now

00:49 sec | 5 d ago

Unemployment Claims Dropped Last Week as Coronavirus Cases Eased

"High level of unemployment in the us triggered nearly a year ago a stretching into another week of 2021 npr's scott horsely has details the labor department says about one point two million people filed new claims for unemployment last week that includes seven hundred thirty thousand claims for state benefits and another four hundred fifty one thousand claims under the federal program for gig workers and the self employed claims. Were down sharply from the previous week. Suggesting drop in laos although bad weather and other factors may have distorted the count as early february. Some nineteen million americans receiving some form of jobless aid many of those benefits are set to expire next month. Congress is weighing a one point nine trillion dollar economic package that would among other things extend emergency jobless aid through. August scott horsely.

Scott Horsely Labor Department NPR Laos United States Congress
Unemployment Claims Fell Sharply Last Week

Morning Edition

00:47 sec | 5 d ago

Unemployment Claims Fell Sharply Last Week

"Last week. NPR's Scott Horsley reports. Jobless claims are still very high by historical standards, The Labor Department says about 1.2 million people filed new claims for unemployment last week that includes 730,000 claims for state benefits and another 451,000 claims under the federal program for Gig workers and the self employed. Claims were down sharply from the previous week, suggesting a drop in layoffs. All the bad weather and other factors may have distorted the count. As of early February, some 19 million Americans were receiving some form of jobless aid. Many of those benefits are set to expire next month. Congress is weighing a $1.9 trillion economic package that would, among other things, extend emergency jobless aid through August. Scott Horsley. NPR NEWS Washington on Wall Street stocks or lower the

Scott Horsley Labor Department NPR Congress Washington
"self employed" Discussed on FT Money Show

FT Money Show

01:31 min | Last week

"self employed" Discussed on FT Money Show

"Yeah no really really helpful not sit for money clinic with me clarence this week and we hope you heard if you do spread the word leave us a review if you would like to chat with me on the feature say to the show and get some experts on the money issue this bucking you then email me. Our address is money.

"self employed" Discussed on FT Money Show

FT Money Show

05:16 min | Last week

"self employed" Discussed on FT Money Show

"That's hich is big on his also lenders the on offering more just self employed at present they deem the risk too high which is not really fair. Broker can help you find the lenders that will say ass but even with the help how much my epa will separate. The answer lies in the last two three years of your accounts so if you are a sole trader. That's a self-employed person. Who owns and runs that in business most lenders will take your net prophets. And that's what they would use in their affordability calculations it's important to note that as a sole trader at your profits have gone up then they'll take an average but it's gone down that any tightly last year's worth of income not something this quite potent Heads they win tails you lose. It seems and it's not just income lenders will be looking at. They will also assess affordability. Will that'll say look at all your outgoing at any debts. You've got loans or credit cards. And that would be factored in going. They will say. Look if you've got children or dependents on that will reduce what you could borrow and also the overall term of the mortgage unfortunately even a large deposit may not always be enough to land a mortgage. You could have a fifty cent deposit but if the remainder you'll accounts on sufficient to cover that amount in lend designs i when they do their affordability assessment. Your income isn't sufficient than some not going to get the amount that is required so what did will make if the logo mortgage of reality received from her bank. It's not uncommon to hear that new businesses are being offered small amounts particularly when these Say that it could be two or three years. They've got books full. But as i mentioned lenders will base what they can lend on the last years of accounts. And that's usually an average of lost earnings but it's not all doom and gloom. If you're self-employed and looking to get on the prophecy atta well has some useful tips to base joe chances of getting a mortgage if you income has gone up recently than get your accounts done early lender will base how much they can lend on next up shop around. Do you think it's speaking to a broker and speak to a break early. It's advisable not just go to your bank. You're only get an idea of what one in energy third keep your spending check. We spoke about affordability assessment. So keep your personal debts down. Months can obvious one but that will reduce you can borrow. Fourth omay stare. Check out your credit school and also keep up with your payment. Your credit score is equally important as your income. That will be a credit check on yourself so it's important. You have a squeaky clean credit history and last but not least salsa with applying when your revenues high point previously that lenders now oscar. Full recent bank statements. So if you've had gooding come in the last few months and that gives the lender of confidence that business is doing well. The puck cost taxpayers have provided some great pointers for riyadh. But what does she make of what they have to say. Yeah really helpful to get their incite a lots of things that will mention that. I wasn't even aware of the banks to into consideration so the fact that they kind of take the positive when your business is doing well but also if making losses or not been doing as well take back the last year so quite insightful and it was am get to know just kind of be reconfirmed. That is quite tricky. For those self employed when applying for mortgages i didn't even neither having dependence could reduce co feasability. Getting a as. Well i had no idea that might even came into on that she just thought look to your earnings and that was it so yes i felt like. I'm a bit clear about what i need to do. I thought that wills advice for somebody who's businesses on the ascendant right now to get your accounts done as early as she can when the new talk serious starts in april thought. That was very very helpful to definitely and something. I'll definitely be taking on boss qualified. bookkeepers. I've been doing my books myself. I normally get them in. Early may be around june july time by think. Obligate them in sina this year holidays. Holy trinity for self employed parents especially the cash buffer. Sourcing outta will insulting out life insurance now. Half of sophy is you can do these things quickly and cheaply online something in place upgrade the level of cover the level of later on. Is that something that you feel confident. Now about putting on financial to delist. Yeah i mean it had always been on the to do next but kind of at the bottom of it. And i always thought once might voted come through an alternate bit more settlers financial situation. Then i'll give it. But now i know i can just get it done now and change it as and when my circumstances change i think holly got it really spots home when she said about having a buffer and how important that is and i think that became epidemic at the beginning of the pandemic when it was a very uncertain times and thinking. Oh gosh wife. Things are terribly wrong but.

two three years april fifty cent last year riyadh holly Fourth around june july salsa this year two three years one last few months third once oscar last
"self employed" Discussed on FT Money Show

FT Money Show

06:43 min | Last week

"self employed" Discussed on FT Money Show

"Someone who understands reactions situation only too well is my first expert. Holly macauley the founder of consumer finance firm boring money. But don't worry holly is one of the most engaging women in finance. I know she's gone from being an employee to self employed and then a director of her own business which aims to make the dry subjects of finance well interesting. I've always preferred the flexibility that being self employed or running your own business. So i i wouldn't look back or change. Anything holy knows. It can be a tough route to take. I would say for self employed people this just an enormous weight on people's shoulders. I think it's just endless decision-making rianne and particularly being a sole parent as well as in the middle of a pandemic. You can't try and be perfect in every single decision agonizing procrastinate but i think there are some things where we have to learn. Just go with what so kafer. Now that something is better than nothing. What kind of advice would you give to. People who also employed to manage these ups and downs. I think there are three things that everyone needs to get their heads around and get salted. the first is life insurance. Second is a will actually particularly if your parent or indeed a single parent as rhiannon is and the third is having some sort of a cash offer so when those inevitable life in impassioned cities happen. It doesn't throw you off into it while panic cooler holidays. Are you trinity. The first life insurance and wills can be sorted out crissy quickly or line with life insurance. I went online to sort of checking out before this podcast. I'm older than ram. And i'm in my late forties gulp. I answer the questions. It would cost me about thirty pounds a month. Two hundred thousand pounds worth of life cover. You can do it in ten minutes and just get that monkey off your back. I think is fundamental for many of us particularly if we parents depending on the policy life insurance pay out either a lump sum or a regular income to dependence in the event of you'll death into even be used to clear debt like mortgage but it comes to wills well we actually discuss them quite fit in our new year's so if you haven't already heard you can get loads of great tips. They're setting one up quickly and for not much money booming to it in the show nights that was about the third of hollies trinity cash off on. I think this is more important than thinking about saving into a pension or an ice or anything else. It's just that immediate access to cash if things go wrong most financial planners care was just you have between three months and six months income in an easy access or similar sort of cash savings product. Once you've got your cash buff assaulted. holly says. Pensions of the best home fuel long-term savings because of favorable tax rules saving into pension makes the most sense after any of the vehicles out there because for every eighty quid you pay into a pension if your basic rate tax payer the government will top it up with twenty quit. That's effectively free money now. The good news is rommel wraps out their reactions found her way one. You can do it online. It doesn't have to be endlessly complicated and is all digital rights. You can stay on top of this and kind of keep your head around what you've got in it and remember you can stalled small. I think this is becoming my mantra. My advice to people. It's a bit like fitness. i think is when it comes to it. Don't try and run a marathon and start with just start. Just open one up just put in one hundred pounds. Set up a director debit. Even if it's ten pounds a month just get into the habit and kind of easy so into it because for self employed people this is going bite right When when people get to their six days there's been no on sort of doing it for them so you we've really gonna take ownership that if you're self employed and have been saving money for property deposit that's a great first step but then the really tricky question is who is going to give you a mortgage step forward will ride the head of mortgage adviser habits and online mortgage broker. What's a mortgage branka. A hear you ask the broker is someone acts as an intermediary between the banks and yourself they can access the hold of the market. So they can. Such deals across multiple lenders have different criteria and assess risk on how much they can end in a different way. And what they can do is they can submit your application on your behalf. Say if that doing your mortgage application for that must be pricey right. My would be can pay. But you don't need to say speech were broker. That doesn't charge a fee. Now that's cleared up over to will little bit of background about myself. I've been in mortgages for around thirteen years now. And how you just under two years. It's always been hard for self employed people to get a mortgage but why is it especially hard that the moment covid nineteen is effect many of us in many ways but sunny impacted a number of businesses in their ability to trade made lenders More cautious than what they have been in the past now lenders usually office for the last two years of accounts on sometimes the loss threes to verify income but that's obviously historic income and doesn't really show the current state of affairs so lenders and asking recent banks aims to show cashflow until much evidence of the businesses return to pre covid trading metals self employed people who've claimed a government grant during the pandemic self employed income supports. Game could find this red flag for mortgage lenders so if you have taken a grant. That's fine but lenders need see the eve return to previous revenues. Now offshoots evidence them even say because of covid. Many mortgage lender treading very carefully when it comes to deposits. No one really knows it on pactel's how counts prices so lenders russo. Quite coaches in that arena as well the Deposit so if you've got ten percent or less whether employed all-south employed there are fewer lenders available at present offering these types of won't use some lenders have increased the the deposit required twenty five percent is the minimum to some twenty percent goodness..

Holly macauley twenty percent Two hundred thousand pounds ten percent holly twenty five percent ten minutes six days one hundred pounds nineteen third six months Second first expert three months rhiannon one under two years ten pounds a month first
"self employed" Discussed on FT Money Show

FT Money Show

04:51 min | Last week

"self employed" Discussed on FT Money Show

"Around four and a half million people in the uk all self employed since the two thousand and eight financial crisis. Women have accounted for nearly two thirds of setting apple marrone including my guest this week. He runs her own virtual personal assistant business. My name's rhianna. I'm thirty three years old. And in self employed since two thousand eighteen. So it's actually just me and my son. I'm a single parent off the bright. That of my marriage back in two thousand and eighteen. So yeah it's just him night. The moment spending lots of time together. time schooling. Well it sounds like the two thousand eighteen a pretty big one. Yes in the sense that your marriage under bill so you own business started which is an incredible most. Yeah it was kinda them sinkhole swimming scenario and actually it was a big transitional year because i had been living abroad with my then husband so it will seven volt a move back to the uk. Pushing a business degree of bookkeeping qualification to good. Use rianne self op is a virtual. Pa helping clients like hairdressers personal trainers with advocate and accounts when my sack stance is drastically changed and i found myself with knowing come effectively. It was a needs must thing so with i. Why find a laptop built my website. I started networking. Got my southbound social media. I was juggling her work part time around her son's nursery hours but she's managed to scale up over the past couple of years. So the fasciest tonight. The was relatively now. I think around the twenty thousand pounds mock as it's now grown at sam now turning iva around the Five to forty thousand a year while her businesses going well even through the pandemic rianne has noticed that working for herself in many ways. It's not quite as cushy as being affiliate off employees of a having been an employment in the court profiled in the city yet. What lots of perks like pension contributions United states payslip that your pension countries are coming out with massive in company a country doing on your behalf odyssey being self employed income combat era greatly matured month. Yeah very different. If you'll also employed you miss out one of the most valuable benefits for employees no employer to contribute to your pension fund. Even so reaction decided to start a pension herself using an app cool penfold. This designed for the self-employed. She's putting away about one hundred pounds each month. She worries that she should save more but she knows that. Once the money's gone into the pension she called get his house again until her late fifties. Yeah is tricky. And i think that's probably why i'm not contributing. Maybe as much as i would like currently just. Because i feel like it's important to have a bit of the buffer a cash buffa in the business bank accounts to account for. You know anything that could happen. If i suddenly become unwell and i'm not able to work as you're going to impact my income. Apart from the pension reactions other priorities to sort out life insurance and ultimately buy a house the her and her son this close to his school. I was lucky enough to purchase my property which under shed ships game nas twenty three but subsequently had to sell that g to moving abroad so yeah to get back on the property. Nausea is my goal at the tail end of a divorce. She is hoping to put money for her. Financial settlement towards place. To live self-employed reaction has found approaching mortgage providers. A real hassle. Nothing like the experience she had when she was a salaried employee. It's just much more difficult. The amount of detail you need to give more providers when you're self employed e can get three months bank statements when you're employed on that say they'll give you the answer there and then but i had to delve a lot deeper into my business finances and being able to kind of give them projections and explanations as to why tra- have you had any actual conversations with mortgage providers to see how much they might be willing to advance. Yes currently based. On the number of years of counsel. I have been able to provide i being taught to turn around the maximum thirty six thousand pounds a mortgage of six thousand pounds. A mortgage of that takes thousand. How did it make you feel when the mortgage provider said well. You're you're any good for thirty six grabbed just massively deflated. Especially because i've been a high number foale at a much younger age. And maybe not working as hard as i am. Now see at my circumstances in the fat. I'm self employed having.

uk six thousand pounds rianne rhianna thirty six Five late fifties thirty six thousand pounds tonight thirty three years old this week three months four and a half million people United states one forty thousand a year about one hundred pounds twenty thousand pounds financial crisis and
"self employed" Discussed on FT Money Show

FT Money Show

01:32 min | Last week

"self employed" Discussed on FT Money Show

"With no fees or minimums on checking and savings accounts and an app that lets you bank anytime anywhere. Choosing capital one is like the easiest decision in the history of decisions. That's banking reimagined. What's in your wallet. Terms apply capital one. Na member fdic dreamed of starting your business it might sound liberating or more fulfilling but being an employee has some perks that you might miss the it department when things go a bit funny on the computer all you'll find line fast riyan. She became self employed a few years ago when she saw covering business now my. It department is each shave reality. Want the freedom of being her boss but like millions of self employed people in the uk. She's found drawbacks. When it comes to financial products like mortgages. It's just much more difficult the amount of detail you need to get mortgage providers. When you're self-employed when it seems like the stacked against you it can be hard to find the time and energy to figure out your financial feature especially during the pandemic. But today's episode is packed with tim's to help the self employed if their finances the tlc they deserve. Welcome to money the week pass from the financial times.

Uber Drivers Entitled to Workers Rights, U.K. Supreme Court Rules

Night News

00:19 sec | Last week

Uber Drivers Entitled to Workers Rights, U.K. Supreme Court Rules

"Court has ruled that uber drivers should be classified as workers and not self employed. That decision today threatens to California companies business model and it holds broader implications for the so called gig, economy and boy. The uber drivers in the United States would like to get the same ruling here. They were in court right now, This is your

California United States
UK Supreme Court rules Uber drivers are not self-employed

AP 24 Hour News

00:35 sec | Last week

UK Supreme Court rules Uber drivers are not self-employed

"Uber drivers work for the company the ruling and titles uber drivers to benefits such as paid holidays and the minimum wage, handing defeat to the ride. Hailing giant in the culmination of a long running legal battle. The court seven judges had unanimously rejected who was appeal against a lower court ruling. Which had found that to uber drivers were workers on the British law. Uber, which has 65,000 active drivers in Britain, had argued that the two drivers were independent contractors. Charles to the

Britain Charles
Uber Drivers Entitled to Workers Rights, U.K. Supreme Court Rules

WBZ Midday News

00:24 sec | Last week

Uber Drivers Entitled to Workers Rights, U.K. Supreme Court Rules

"Court in the United Kingdom has decided that uber drivers are not self employed as Uber has long argued. The UK Supreme Court says the drivers are uber workers and as such are entitled to rights, including minimum wage, holiday pay and rest breaks. Uber says the ruling applies only to the drivers who brought the case. However, the ruling does give the green light to about 1000 similar lawsuits.

United Kingdom Supreme Court UK Uber
Uber drivers are workers not self-employed, Supreme Court rules

Wall Street Breakfast

00:33 sec | Last week

Uber drivers are workers not self-employed, Supreme Court rules

"Uber loses case on driver. Rights uber stock symbol. Ub aren't shares off three point five percent of this morning after the company lost a key legal fight in the uk. That country's supreme court upheld a ruling that drivers should be classified as workers rather than as independent contractors this entitles them to minimum wage holiday. Pay sick pay as well as rest breaks. Britain is uber biggest european market with about forty thousand drivers.

Supreme Court UK Britain
UK top court gives Uber drivers benefits in landmark ruling

AP News Radio

00:50 sec | Last week

UK top court gives Uber drivers benefits in landmark ruling

"Britain's Supreme Court has ruled uber drivers in Britain should be classed as well because I'm not self employed it's a decision that threatens its business model and holds broader implications for the so called gig economy the ruling entitles the drivers to benefits such as paid holidays and the minimum wage hunting defeat to the ride hailing giant in the culmination of a long running legal battle the colts seven judges had unanimously rejected uber's appeal against a lower court ruling which found that to the drivers workers on the British law which has sixty five thousand active drivers in Britain had argued that the two drivers independent contractors Charles Taylor this month London

Britain Supreme Court Colts Uber Charles Taylor London
U.K. top court rules drivers are Uber "workers" entitled to benefits

KCBS 24 Hour News

00:26 sec | Last week

U.K. top court rules drivers are Uber "workers" entitled to benefits

"UK Supreme Court has ruled that uber that uber drivers should be classified as workers and not self employed. Today's decision threatens the company's business model and holds broader implications for the so called gig economy. The UK Supreme Court unanimously rejected Uber's appeal against the lower court ruling. Handing defeat to the company to San Francisco company in the culmination of a long running

Supreme Court UK Uber San Francisco
U.K. top court rules drivers are Uber "workers" entitled to benefits

KYW 24 Hour News

00:29 sec | Last week

U.K. top court rules drivers are Uber "workers" entitled to benefits

"In the UK has ruled that uber driver should be classified as workers and not self employed. This has been a long running legal battle. Decision threatens a California companies business model and holds broader implications for the so called gig economy. The judges agreed that uber drivers are workers under British law that entitles them to benefits like paid holidays in the minimum wage. Uber and argue that the two were independent contractors 5 39.

UK California
A Complicated Tax Season is Coming

Business Wars Daily

03:59 min | Last week

A Complicated Tax Season is Coming

"From wondering. I'm david brown in this business. Wars daily on this friday february nineteenth. Happy friday everyone. I think ben. Franklin put it simply enough. Nothing is certain in this world exempt death and taxes so yes even in the midst of a global pandemic after a year that was completely upside down. Tax season is upon us and boy. Is it going to be complicated this year. That's because of the covid. Nineteen pandemic of course and all the changes to the tax code that came with it. Think unemployment insurance. Ppp loans for a one k. Withdrawals stimulus checks recovery rebate credits. Pretty head-spinning isn't it. If there's one year to switch from filing your taxes to enlisting help well this just might be the year to do so at least. That's what tax assistance companies like turbotax h. and r. block. Want you to think the first day you can file and get a refund. This year has been pushed back around two weeks to let the irs get itself sorted but the delay hasn't stopped both turbo. Tax donation are blocked from getting out in front of potentially tax wary customers. Perhaps you saw quirky earworm filled ads for both companies during the super bowl around forty million people filed taxes on turbo tax which is owned by into it in two thousand nineteen far more than any other tax preparation product according to propublica the company. Let you file for free if your income is under a certain threshold and if you only need to file simple returns without claiming any deductions or credits. But this year a situation that simple is unlikely which means turbo tax could make a pretty penny they also charge more for folks who are self employed and for filing state returns in multiple states. Who would file multiple state returns. You ask well people who work remotely and don't live in. The same state is their employer and offices shut down early last year. A lot of people made the move to do just that which could cause some serious tax headaches. Turbo tax will help you through those at cost of course meanwhile h. and r. block had about half the number of turbo tax users and twenty nineteen. But it's also a bit less expensive filers using h. and r. block have the option of dropping off paperwork at actual brick and mortar offices. Sounds wild right now. Turbo tax in hr blocker just to the big dogs in tax preparation. But there are hundreds of locations across the us where qualifying individuals can get help filing taxes for free in any other year. If you make less than a certain threshold if you have a disability if you're over a certain age if you are learning english if you're currently experiencing homelessness you can sit down with an irs certified volunteer. Who'd help you prepare your taxes. But this year well kovic has changed that of course in person volunteer programs have largely moved online. And that's a barrier for folks who can't access technology leaders of these free federal programs fear that millions of americans could miss out on free tax help according to cnbc. Now there's one thing that could fix the headaches that usually come with taxes every year and help more americans keep more money in their pockets. And that's the us government choosing to make filing tax returns simple and free for most citizens. The government has the power to do this but according to a twenty nineteen investigation from propublica Certain company is making sure attempts to make free. Filing widely accessible are thwarted. What company would that be. You ask we'll that would be in to it. We jones turbo tax

David Brown IRS Franklin Propublica BEN Headaches Kovic Cnbc United States Propublica Certain Company Us Government Jones
What Can I Deduct On My Taxes In 2021?

Noon Report with Rick Van Cise

01:06 min | Last week

What Can I Deduct On My Taxes In 2021?

"With consumer reporter her boys bomb. A lot of us have been working from home for almost a year. Now we bought office supplies, paper and ink for the printer. Maybe some new office equipment. Can we deduct any of this on our federal income tax form? In a word? No. You can only take a home office deduction if you are self employed. If you're an employee of a company, you're not eligible to the doctor home office expenses.

Tax tips during the COVID-19 pandemic

Rush Limbaugh

00:51 sec | 2 weeks ago

Tax tips during the COVID-19 pandemic

"Main bridges. Tech season is underway. Experts have some tips to avoid fees during the covert pandemic, Angie Norville reports, experts say those who are on unemployment will need extra cash on hand as it is text income stimulus checks, however, a tax free If you work from home during the pandemic, you can claim a write off, but the criteria is specific. You can claim it if you were self employed or a business owner and comm prove a dedicated space for work. But if, for example, you work at the kitchen table where he dinner, then you're not eligible for that write off for those who trade stocks. As we have seen many new buyers this year be advised. There are fees. If you sold stock during 2020. Also, you can take advantage of the look back rule this year. Americans can report 2019 or 2020 incomes when filing to qualify for the highest benefits and earned income tax and

Angie Norville Tech Comm
2021 tax filing season fast facts

News and Perspective with Tom Hutyler

01:50 min | 2 weeks ago

2021 tax filing season fast facts

"There are some big changes to be aware of starting with those stimulus checks. First of all, they're not taxable income. However, about 12 million Americans didn't receive the benefits that they were eligible for, remember. These are the checks that went out last year for up to $1200.600 dollars, and about 12 million Americans didn't receive them. So if you made up to $75,000 as an individual or $150,000 as a married couple, you can file for the rebate recovering credit on the taxes for 2020. That will allow you to receive the benefits you were eligible for. If you didn't get that check in the mail, unemployment benefits Those are taxable. So you do have to file those on your income taxes. But another thing to consider is that in this last year there was a significant amount of fraud. We're told on unemployment benefits, which means if you get a 10 99 g form in the mail It doesn't look right to you. It's for benefits that you didn't receive. You want to immediately contact your state government and let them know that you believe someone else has filed benefits in your name. These air, not benefits that you will be taxed for if they were filed fraudulently, But you do have to let your state government no. And then make sure as you're filing your taxes that the state government sends you the form the true and accurate form that belongs to you finally worked from home. Ah, lot of people did this in the last year. The people who are eligible to keep it as a deduction on their tax forms are those who are self employed. If you're an employee Even if you spent money to work from home, But you're an employee of a company. Unfortunately, you can't claim those benefits if you're self employed, and you exclusively uses space as a workspace from home. You could make sure to take those deductions. Rebecca Jarvis ABC NEWS New York E one whose time said 20 checking your

Rebecca Jarvis ABC New York
Stimulus checks and your 2020 taxes: What to know

Weekend News

01:25 min | 2 weeks ago

Stimulus checks and your 2020 taxes: What to know

"It's 10 51 tax season is here and the pandemic could make filing a bit of a headache. How do we account for stimulus payments and unemployment assistance? CBS news Business analyst Dill slash Singer says he don't have to pay income tax on those stimulus checks. You've got $1200 or 500 per kid. Maybe you were one of the few people who got that extra $600 at the end of December. That's not taxable, but here's what's really important. Ah, lot of people said they were missing their stimulus payments or they got less than they thought. Maybe they had a child in the Iris didn't know that if that's the case for you You're going to file your taxes and you are going to focus on it ready for this line 30 of your form because that's the recovery rebate credit if you think you are due money Focus on that. Make sure you fill that out and be sure that you get the money you're do And if you're we're hoping to write off your work from home costs in 2017. We had a new tax law, and it basically said no office deduction for anyone who's an employee. If you're a W to wage earner, you can deduct a portion of your residents or your rent. If you are self employed, you've gotta use one room or a part of your house on a regular basis, And you can't have another office somewhere else. So the rules are pretty tight again. If you are a W to wage earner sorry you paid for that stand up desk in the new

Dill Slash Singer Cbs News Headache
Taxing time: How the pandemic will affect filing your taxes

AP News Radio

00:58 sec | 2 weeks ago

Taxing time: How the pandemic will affect filing your taxes

"Tax filing season will look a bit different this year with the corona virus pandemic showing up here too there are several things tax filers should be aware of starting with the good news on those code relief checks you will not be taxed on the money that you've got on that but Associated Press personal finance reporter Sarah Skidmore sell advises anyone who collected unemployment benefits in twenty twenty to remember those are taxable they really face penalties and fines for failing to claim that income and if you were able to work from home last year don't get carried away with trying to write things off the home office deduction is really tricky because an employee of a company can claim it you can claim if you are self employed or a business owner but it has to be very truly dedicated space it has to be used solely for work and nothing else so your kitchen table or you also can eat dinner or your bedroom we also happen to sleep those do not count the IRS will begin accepting tax returns on February twelfth I'm Ben Thomas

Sarah Skidmore Associated Press IRS Ben Thomas
"self employed" Discussed on Generation Conversation

Generation Conversation

04:57 min | Last month

"self employed" Discussed on Generation Conversation

"How you on it So i think that's the biggest pro can also be a pro ana con. But i think that's the pro that's highlighted in Discuss more so for The reason why people get into it. Yeah i agree with that. And i think another pro is honestly the amount of money or income that you make is based on what you put into it which is different than you know a job working for somebody else because kinda is like no matter how much you put into it you still gonna come with their same salary. Whereas with self employed company You know basically determine how much you wanna make right right so What about some kinds you. If you know of any cons cons. I feel like well i ended. It depends on the specialty or the area arena. That you're in for your business The money can be slow sometimes. Starting up to sign up is tough could be very tough And that was the hard work really is required. I feel so that is like a big con if you have If that is your only job to like it is a risk. Being self employed is a big major wrist You know who knows if it's going to pan out how you You think it is or how you see it or envision. It is a risk taking says that bildt on your skill your strengths and really bitter career. Yeah another kind. That i know and i'm gonna tell you guys the reason i know this on. Hold on hold on. I want to introduce the oh goodness we have expert a professional entrepreneur sherry lewis a previous. Thank you thank you thank you. Thank you previous entrepreneur. I am no longer self employees but but she's an expert. She has that perfect advice because she's been through it. Yeah tell us a little bit about the ira. So i had a mortgage finance company for ten years in which you know was called. It was called sheer mortgage. Your home is where our heart you remember. I grew up on that. Yes yes. I had the kids in the office work for my first job. I sure does and that was about ten years ago right but It was a great opportunity. I loved everything about everything at taught me. But i have realized and i know that being self employed everything is on you when it doesn't work out. It's on you when there's problems i had to report to and understand this guy's your never totally in charge. Somebody is always looking over whether it's some of regulation company or something for me. It was the department of banking and finance. Because i did finance so the department of banking and finance is who i had to report to who i had. You know who may regulations for me to follow. So you're never ever get it. Twisted your never totally just running everything. No one knows to somebody so banking and finance. We give us these. And i'm sure you remember this who we get They would come into office audit and they will pull random files and they would audit them granted. I never failed to audit but my whole family stayed up nights long long night has so many trials are there and get them right but they did it. They didn't wit me Now one of the other advantages. I forgot to mention. One of the pros was as she mortgage. Because i was self employed. I took the summers off and i had a staff of people working for me so i was still getting paid because they were still generating businesses business and i took the summers off me and the kids would get in the car and we would.

sherry lewis ten years first job one about ten years ago One of the pros of banking and finance and finance
"self employed" Discussed on Generation Conversation

Generation Conversation

03:09 min | Last month

"self employed" Discussed on Generation Conversation

"Welcome back welcome back. I'm erica and this is sheree and this is generation conversation. Everybody is having a great day. Great week yes yes yes. It was a short week for some shot out to. Mlk's birthday was actually last week but we observe it on monday. Yes and i hope you guys are continue the positives and concede to listen to us. Every time we drop something new of course we wanna give special shot out to geeky consulting. Shell shot and weird keys where kid he just dropped an album. Kids called random thoughts after drinking. Go download a guys check it out. It's on apple music spotify and this is to say something about it is that i even like yes. I even like it. So and if i don't know if you're just tuning weird kid is the one who created our intro. So if you like that intro. Which i know a lot of people do check out our stope. Yup that's a real dote shot out. Shot out all right erica. What episode are we. What are what are we. What are we. This is associates team my favorite number. So this is going to be a good one. Yes and what is it called. what is it called. Called the self-employed air. Okay sounds good to me. So what we did was we got together in in our conversations that we have on a day to day one of the things that we recognize and decided to talk about was this whole self employed era Everybody wanted to entrepreneur. And which is a little different. Maybe a lot. Different than when i was growing up right and you know it. S common to be self employed For many reasons you know but now it seems like everybody is either self employed or they're employed and have aside you know on side right right so we kinda wanted to touch on because it was so interesting things about it that i thought would be. You know something good to discuss sending talking about our opinions on it I think they'll be a little different. Expect there they feel about it. But it's definitely become the norm right Idolize for people and we just wanted to give our input on it old school and new school perspective. Yep so let's jump right into erica. Would you think about the idea of self employed like what do you say. What would you say is pro to it like you know positive to it. I think it it's one of the biggest positives and one of the reasons. I know a lot of people become self employed is because you are your own boss You run the operation you get to do as you please move..

erica monday last week sheree spotify one one of the reasons day one Mlk apple music
Jobless claims surge to highest weekly total since August

Wintrust Business Lunch with Steve Bertrand

01:12 min | Last month

Jobless claims surge to highest weekly total since August

"Claims surged to the highest weekly total since August. We heard about this late last week. Any new thoughts about that? I think this is just indicative of what's been going on. They've been climbing week over week over the last month. We saw Christmas sales were down. I think I not looking at the number John, but I think it's about 1.2% or so any decrease in those sales is not a good thing, right? Um and I do think that we're having you know, people just Struggle along and so more people are getting laid off. You're seeing the unemployment number go up. Also the pandemic unemployment assistance for people who are self employed. That number went up his well. I hate to see it trend in this direction. But I think we're in for a few more tough months. First time Jobless claims Total 965,000 last week Versus the Dow Jones estimate. I'm reading from CNBC right now, versus the Dow Jones estimate of 800,000 higher number than they expected. Total receiving benefits declined. 21 to 18.4 million but remained well above the pre pandemic levels.

John Cnbc
SolarWinds - The Gift That Keeps On Giving - DTNS 3943 - burst 04

Daily Tech News Show

33:27 min | Last month

SolarWinds - The Gift That Keeps On Giving - DTNS 3943 - burst 04

"You're unique and so are your taxes. Turbo tax live has experienced tax experts. Who listen to you. Learn about your unique tax situations and answer your questions and on top of all that they can do your taxes from start to finish. Maybe you started investing and want some reassurance from an expert that you're doing things right maybe you're now self employed and needs some expert advice on what qualifies as a home office deduction or maybe it rather have an expert file your taxes for you so you can focus on what matters most no matter what. Your situation is turbo. tax live tax. Experts can answer your questions. Give tax advice review your return before you file or even do it all for you. Turbo tax live. Gives you confidence that you're uniquely you. Taxes are done right into a turbo tax. Live file with the help of an expert or let an expert file for you coming up on how to clone someone security key roku by some qube and we'll make the apple cars. This is the daily tech news for friday january. Eighth twenty twenty. One in los angeles on tom. Merit and from studio redwood on sarah lane from studio colorado. I'm shannon morris drawn the top tech stories in cleveland. I'm lynn per nine. The show's producer. Roger j we were just talking about a cas product that makes you ice cream and ninety seconds whenever you wanted and why roger never cries wider conversation join our expanded show. Good day internet at patriotair dot com slash dpd s. Let's start with a few things you should know. Amazon has discontinued its prime pantry. Grocery and household item service products previously available in pantry will now be available like any other products on amazon. So it's not going away to gather but the service itself prime pantry launched in twenty fourteen offering reduced shipping on up to forty five pounds of household goods for a monthly fee. Amazon node vied prime pant pantry subscribers about the closure in december and then issued refunds the. Uk's competition and markets authority launched an investigation into google's privacy sandbox. That would block third party. Cookies in chrome regulator received complaints from the marketers for an open web coalition saying the plan would abuse google's dominant position in online advertising. So the investigations going to evaluate. If the privacy sandbox changes would concentrate advertising spending market share with google samsung launched the galaxy chromebook to a cheaper version of the galaxy chromebook at launched last year so instead of four k it has a ten eighty p lcd screen with less storage fewer cameras less ram. It's also heavier and thicker overall but it also now starts at five hundred forty nine dollars instead of one thousand dollars. That has a thirteen point. Three inch nineteen twenty by ten eight hundred sixteen nine. Lcd touchscreen with the dual core intel seller on five twenty five you upgradable to an intel core. I three ten ten eleven ten one. one zero. You eight gigs. Ram and one hundred twenty five gigs of storage for six hundred ninety nine dollars a shortage of semiconductors affecting automakers. Volkswagen said last month that they needed to adjust first-quarter manufacturing plans around the globe because of the shortage. Now honda says it will cut domestic output by about four thousand cars this month at one of its factories in japan nissan is adjusting production numbers for its note hatchback model and ford has moved up previously planned downtime at a kentucky plant for its sport utility vehicle factory to the jin chips all right. Well we're talking about cars. Let's talk about the the apple car. Yeah a lot of rumors as of late will really over the last few years. But but but the rumors had resurfaced recently and hyundais. Now talking to apple about kerr's so says the company hyundai representative told cnbc quotes. We understand that apple isn't discussion with a variety of global automakers including hyundai motor as the discussion is at its early stage. Nothing has been decided. Korean economic daily said that apple suggested the arrangements and hundred was reviewing the terms that involved e production and also battery development hyundai has had his own battery platform called e. g. m. p. going into production later this year. So might be saying what you're doing. Reuters sources say that apple would like to produce a passenger vehicle by twenty twenty four however might not be that date bloomberg's mark gurman reports in thomas e. v. from apple is five to seven years away and michio recently said he wouldn't be surprised if it takes until twenty twenty eight. Yes what's probably going on. Here is apple and i think this significant part has decided to start investigating how they would build. Whatever it is. They're going to build whether it's a whole car or an integrated platform and they're going to different manufacturers and parts suppliers and folks like magna including hyundai. And saying what are you got. How can you help us with this. And is a great company for this because they make parts they make systems. They make full cars. There's all kinds of services in the conday company that could play a part with apple so it may not be. That apple knows what they want from hyundai. It may just be that they're going and saying hey let's talk. You do a lot of the kinds of things that we think we're going to need. I'm pretty excited about this. I just got my first hyundai ever this year and my perception of this story was weight but hyundai currently uses android auto and a lot of their their cars. So i would love to see. How apple would integrate Hyundai's current technologies into something that is very useful for that apple ecosystem not just looking at e itself but also the The the systems inside of it the controls in how they would manage that four a driver and a passenger in the car. Yeah i mean. I think that's one of the big questions that i have is okay. Let's say let's say it's hyundai that that applet ended up working with with clearly not set in stone at least from what we know at this point. But let's say it's the companies for kicks. Let's imagine that that's what it is. Yeah it is. It is an apple car that hyundai produces a lot of parts for the way that works with lots of other companies to produce other hardware for apple. I mean that that's the loftiest kind of goal that we're looking at and maybe that would take till twenty twenty eight at you know if if apple was lucky. I think it probably has more to do with like you said shannon not that you know android auto wouldn't still be prevalent in a lot of passenger vehicles but maybe at some sort of it's a special relationship. It's it's a special kind of os inside a car that is supposed to you. Know i don't know move some merch because What apple is providing on the software side is is. Is that much more interesting. I really don't know if you look at that. Bloomberg article mark gurman sources are saying that Tesla people that apple has hired are working on things like interior exterior. Drive train stereo. Desist the kinds of things. You need when you're building a car not carting a software platform so then the question becomes is it the apple car period. Maybe hendaye makes it. Maybe somebody else makes it. And you know they'll figure out how to distribute it or is it the apple car by sunday and you go to hyundai dealership to buy it the way you went to an. At and t. store to an apple iphone but it's really apples car in cooperation with sunday. Are there multiple partners. I mean that's all the kind of stuff we're waiting to see but it really does feel like we have gotten to the point where this is no longer just yeah. They're working on project titan. They don't know what they're gonna do to. They have an idea. It's more than just software and they're working out the details. Maybe they don't even know that yet. Well i'm interested to see what happens but we also have some other news. Security among the systems impacted by the solar winds attack is the electron filing system. Used by the us federal courts at investigation is underway to determine if confidentiality of documents filed with the courts was breached and as a result starting wednesday confidential documents filed with the courts will be stored on standalone systems. Not uploaded big difference so these are documents sealed from public access because they contain sensitive information like investigative techniques identities of informants and a lot more other. Us federal agencies affected included the justice department the state treasury and energy departments as well solar winds has engaged. The krebs stay most security consulting group to help deal with this attack. That firm was formed by alex. Stamos the former chief security officer at yahoo and facebook and chris krebs the former director of the us cybersecurity and infrastructure security agency or sisa. So krebs was fired last month. By the president after finding no evidence of with voting systems in the twenty twenty election. Yeah stamos first of all brilliant for those two to team up and smart for solar winds to engage them for what they say is Helping with transparency with companies that are affected But this we we are not done finding out how bad this is. There are reports that there may have been other ways that this whoever is behind this intruded beyond just solar winds. They're finding evidence of that. They have not been able to root out the people that got into this vulnerability from all systems yet. They're still in there in a lot of cases. And you know this. This kind of confidential information is exactly the kind of thing you fear that someone would get intruding into a government system informants investigative techniques that you can now learn from to evade being prosecuted or caught yourself. That's that's crown jewel type stuff it's it's very interesting. In fact krebs spoke on record saying that it could potentially take years to figure out how deep the solar winds attack actually went and how many different kinds of infrastructure. You know brands and everything that it might have affected so this is not something. That's going to die anytime soon. I'm glad that they are reaching out. Craig's and stay most though because that i agree with you tom. It's excellent. excellent team roku made a few interesting announcements roku says. Npd data shows that the roku s was the top selling smarter operating system in the us and canada in two thousand twenty thirty one percent market share in canada. Thirty eight percent in the united states That's pushed the samsung's tizen number two. At least we don't actually know samsung's ties and was number. One in two thousand nineteen also announced a wireless soundbar reference design that uses wifi for its roku. Tv ready program remember. Last year roku announced the program which had a designed for wired. Sound bars. The program includes tcl. Pokemon on an element has just announced. They'll join as well with two point. Two point one ready sound bars roku tv ready to expand internationally later this year as well. But here's the big roku news roku has agreed to acquire exclusive global distribution rights to more than seventy five Shows documentaries some of which had not been released before qube shutdown. So there'll be some new stuff that nobody's ever seen after their exclusivity deal expires. That'll happen in a bit more than a year. Depending on the show roku will still have the rights to show the content just not exclusively until thousand twenty seven the content will have to be presented in original increments of ten minutes or less. The deal doesn't let them stitch it altogether. The content will be added to the more than forty thousand movies and tv shows already available. In the roku channel shows include from Be anyway punked. Murder house. Flip and dummy which stars anna kendrick. I never watched the new punk. I heard had its moments. The whole qube thing. It's really interesting to me because it was sort of like. It crashed and burned so quickly. And there's a lotta shot and friday around folks in the industry about it. And i think that's not because qube was doing things wrong. It was because the company had raised so much money time. Because you know. They had meg whitman. Jeffrey katzenberg who are you know. Heavy hitters and there was a little bit of like you are being to embassies and therefore you shall fail. The company did fail and the idea that some creators will have a new life on another platform shows. That just don't even saw but people still worked on. And maybe you're really good. I think this this makes a lotta sense and good for roku to get exclusivity for at least a few years so does roku have to wait at all in order to start showing this content or can happen immediately. I don't know when the start date. Whenever the deal is you know goes into effect. Then they'll immediately be able to to show it so you know within a month or so it would be my guess anyway but no they. They don't have once. The deal is actually in effect. They don't have to wait. What's going on here. is that the baby. Production companies own the rights to their own stuff but they have a two year exclusive for each one of their shows with qube and those two year exclusives are now being transferred to roku so roka will be able to have the exclusive for the remainder of whatever. The period was with quick. That's why it's more a year. Exclusively goes away then they still have the right to show it until twenty twenty seven but the production companies that made it can now start shopping at around to other places as well so the production companies do hold the content and remember this is just the content. Qube is still in a over. Its turnstile technology which is holding it up from selling its technology and i would expect once it resolves that lawsuit should resolve it in a way that they still hold their technology. They'll sell that to so this isn't the last you're going to hear could be selling off a part of it. I would imagine. Gotcha yeah that whole. The whole technology part of qube was again was an ambitious thing that was released at a very inopportune time in twenty twenty when everyone was like. We're just sitting at home like we don't need this like mobile phone technology. It's like cool that you can shifted around but you can't even cast thing. I mean the company did fix that pretty soon after allow about she was just. I mean it's just did. The timing couldn't be worse but that technology when you think of it in a variety of other form factors such as monitors that swivel talked about some of those yesterday. I don't know that qube or tiktok or snapchat or all of the stuff where we're like. Oh yeah that's the. That's the portrait view. Rather than landscape view. That works for certain apps is is is all that this is four. I think there's more to it So we'll see what happens and there's patents and things that are always valuable because you can use those to extract some concessions and money and stuff. So yeah expect that all to come join the conversation in our discord which you can join by linking to a patriotic. Can't get in there and talk about your favourite qube shows with all the other discord folks. Just lincoln to your patriotic out at patriotair dot com slash. Dpd s all right shannon. How do you clone a security key. Well i i will say please do not stop using your security keys because of this story i will explain it. Researchers from ninja lab published a paper on thursday showing how you could clone a google tightened security gate this is a two factor authentication key which is very similar to a you. Be key that you have to plug in or tap in order to access an account after putting in your username or your password credentials. Were both so in order to pull off the clone. You would need physical access to the key for about ten hours. Sometimes a minimum of ten hours just kind of depends on how good you are at this. About twelve thousand dollars worth of equipment physical equipment and custom software and some advanced skills in electrical engineering and cryptography as well. So you have to remove the chip and then take measurements of it at a being registered on each account that you went to attack the measurements observe electro magnetic radiation as the chip generates digital signatures that let the attacker slowly deduced the private key so measurements take about six hours per account. That's not including taking apart. The original tighten security key putting it back together. Then you need to seal the chip back into its case. You also need the targets password in order for this to work. So the reason it works is because of vulnerability in the security hardware chip residing within the google titan key and that is called an eighty seven hundred x by this company called. Xp if it's exploited in attacker could grab the elliptic curve cryptographic private key for the account and the same chip is actually found in other two factor. Authentication physical tokens as well like There's a ubiquity that it's found in but chances of attack or very very minimal given the scope of the attack so if you do all of this without the target ever noticing then they would never duplicated key but again given the scope given how much it costs and everything behind the scenes probably when it happened to normal user. The point of these security keys being the best way to use For two factor. Is that you can't even get at your private key right you. Nobody has to be able to get in there like the chip. Just doesn't make it available so the fact that they were able to get in there and get it is huge. You know the fact that they were able to do this is significant. But i mean if you're not a target of an advanced persistent threat. You don't need to worry about this. No one's going to go to the trouble to do this. And even if you're a target. I would guess shannon that most of them probably would be able to notice if someone took their key for ten hours or more you. You likely likely would especially since a lot of people with hardware tokens like google titan will stick them on a on their keychain for example like with their house keys or whatever wherever they keep all those personal physical devices that they don't want lost or stolen they keep them all on engaging so if somebody was to take one of these out of your purse out of your gym locker wherever it might be and remove it for like ten hour street minimum. You would likely know that this would have happened. the neat thing about these chips inside of these. Google tightened security keys. And any other cryptographic hardware tokens like these is that. Even the manufacturer doesn't know the private key so the fact that they were able to find vulnerability on these specific chipsets is really interesting. And i think that's the important bit of that. Is is even though the google titan like the end all be all of really excellent. Two factor authentication. There's always. The potential that vulnerabilities can be found. So i'm happy that this research came out. It's so fascinating and it's so interesting in this means that an x. p. and other security chipset manufacturers that sell these teeny tiny chips to google or whoever the company might be They can build on this. They can research and figure out what the next version of their chipset needs to entail in order to not be vulnerable to this again in the future. Yeah i mean this is really a good security story right. We finally figured out because there's always a way right. We finally figured out the way you get the private key out of a security key and guess what it's really hard takes a long time and now that we know it we can make it even harder and hopefully you know push that barrier out even further and even if somebody did have time to do this and you didn't notice i was reading the paper because i'm a huge nerd and they go as far as using fuming fuming nitric acid in order to get like melt the epoxy off of the original google titan. How are you going to put that back together. In order for somebody to not notice like there's a lot of intricacies with this attack in order for it to actually be pulled off so chances are very very slim that somebody would be able to pull off so again as i said at the very beginning. Don't stop using your google tightened security key if you have one keep using it because chances are you would never be attacked with this. Just just know if you haven't seen it in ten hours look together strange. This is going to be in a movie though. I'm calling that shot right now. We're gonna we're gonna see this movie. Where like i hope so. Somebody goes into surgery and they take his key and they go out and do all this and they slip it back in because ten hours later. He wakes up from anesthesia on something like that. I just hope they talked to the researchers so they actually show it off right. Yeah Sony tv and audio announcements Starting with details for its own tv lineup. Sticking with lead ravi x four k and k. Tv's will support four k at one hundred twenty hertz variable refresh rate vr as well as a l l m low latency mode and e arc. These are all things that are important. If you've got a ps five now you've got sony. Tv they can go. That sony also has an improved a chip that is going to improve the picture and sound positioning. So it aligns with what you see on the screen. Sony's master series. Tv's will come with a sensor that adjusts white balanced immense. Your ambiente color temp. You don't have to do anything they'll just do it. Also an aluminum heat shield. That will make for brighter. All the sets will support. Hdmi two point one. Another big one for ps five dolby vision hdr angle tv. Sony also announced. It's three hundred sixty reality audio platform if you're not familiar with three hundred sixty degree audio places instruments and vocals in a virtual sound field around your head but using just the one speaker so you can do this in an amazon echo or google. Home sony will start streaming video with three sixty audio later this year. Starting with concert from zara larsson on january eleventh. And somebody's gonna make speakers that support this. It'll be may supported by other speakers as well. But sony is going to put out the are five thousand and three thousand They've got that dark cloth. Surface that all these speakers seem to have these days with either bronze or silver accents. Work with google and amazon assistance and can connect to select sony abroad via. Tv's as well as supporting wi fi bluetooth. Spotify connect in google cast. The speakers do automated calibration to the room. They're in donut. The press a button for that. Either and we'll simulate three hundred sixty degree audio for stereo tracks as well. The five thousand cost five hundred pounds or five hundred ninety nine euros no. Us price yet on the three thousand two hundred eighty pounds. Three hundred fifty nine euros. This seems this. Seems like it's shaping up to be one of the trends. Is this the sort of three hundred sixty degree audio while you're listening to your black bank and it's just one speaker or potentially a couple of speakers ativan. Maybe yeah yeah already supported. Yeah there's less of kind of like What do i have to do. Five point one surround or at least get a couple of speakers and make them a stereo pair type thing. I really haven't heard this in. I don't know. I used to hang out at magnolia at best. Buy all the time. And just like geek out on stuff like this. of course. this technology wasn't around at the time. But it's really come on. Let's turn on some stuff and see the speakers. Do it works well. Then that's awesome my first reaction because i got rid of my kind of pants speakers some years ago because friend of mine needed them more than i did and i didn't have room in my apartment but i miss that i'm also an a. A permanent now that's smaller and kind of has a lot of weird angles and i find audio bounces off walls in wiz. That wouldn't if it was more of a square box broom So i'm not sure that i'm the perfect target market for this. You're the you're the one puts this through its paces and sees if it really works. Yeah if i could actually work as advertised again with some funny angles in a big old frame. Then i'm i'm really into this and i've always been. I don't have a sony. Tv currently sorry zony. But i was abroad. Bravi a person for years. Nears i think what the new bravi line is coming out with. Looks really nice. And i mean not totally in the market for a new tv. But i like the fact that i might get a new sony again paired up with a sony speaker. You got three six. Yeah already got all this stuff. It's going to be a messed anyway. You slice it. But i like. I like this to be sixty reality audio platform. What would you have set up in your house. I was straight up going to mention sonos because if if it doesn't have the connectability to be able to work with all of my other platforms that currently have invested in. Then chances are i wouldn't buy it. So i do have sono says in my house and i do have some issues connecting those with other speakers in the household to like like my google hub for example so the fact that this works with google and amazon assistant the speaker specifically The audio speakers. I think that's pretty cool. I like that. They are bringing that in and i am interested because i do live in a household. That has very high ceilings. How this would work in that kind of environment. So yeah. I'm very interested in the audio aspect. Well you might also be interested in what colour has come out. Oh yes the folks who make things like toilets and and sinks and lots of appliances however. Been a real. Cas mainstay for the last few years for some cool innovations and this year is no different. Even though we're not in vegas koehler has a new smart bathtub called the stillness bath. That lets you use an app or use your voice using google or amazon's assistance to fill up the water or perhaps set the mood by changing the color of the lights around the tab or even add some fog. You know you wanna kind of pretend like you're in the then present routines also turn on features in a certain orders if you wanna get kind of creative. that's cool. Yeah the certain amount of limitations with the base model and the base model is not cheap so temperature and depth control models alone will cost around eight thousand six hundred ninety eight dollars. That's right it's almost nine thousand dollar bathtub. If you want the experience tower that lets you activate fog and aromatherapy. That will run you just over ten thousand dollars. Both models are available in july. There are real things and if you want the version with lights and floor grades for overflow fifteen thousand nine hundred ninety eight dollars available. This october signed me off. I won't be buying those. Nope not even a little bit but we could have taken a bath at s in the new in the pre show roger was like. Why would you want fog. It's like this. Why does anyone want to be on. Yeah racist luxury suites in hotels for sure as well as apple's houses sure yeah something well. Yeah it's it's that like hey look at what my bath can do people go. Wow very fancy and then you know ten years from now will be like remember when we thought it was fancied to talk to your bathtub so that it would start filling up without touching it but Yeah it's it's somewhat silly because of the price. But i'm not really much of a bath person but they do look very nice all right. Let's check out the mail bag but ads do it. Nick wrote in with a pronunciation. Ramps own neck. You are not alone he says. Ac's rog is an initial list. Because it's our og like fbi or cia. People say ron yet. They're lower end gaming brand tough not initially them. It's an acronym like scuba or produce you f but pronounced off. It's like ace's can't make up their name minds. Then there's strict which is our subbrand strikes as a word it's a completely nonsensical made up word. But it's a word and you pronounce it as such nick as honestly as somebody. That buys a lot of hardware. Because i've rarely had a bad experience with them over the past twenty years. I am baffled by some branding decisions. The one the bugs me. The most is the strict subbrand. Sometimes acis makes the tricks products. The high end product in the product stock yet other times. It's a mid range product. Would it be too much to ask for consistency and product. Branding twenty twenty one. Yes apparently apparently we feel your pain. Nick i love the dichter's just like i just need to vent you guys. Let me let me let me get this up. Just we appreciate that. Yeah i mean i. i'm with you nick. Everyday is a fresh new hell when it comes to reading out some model numbers but what is not is shouting out our patrons at our master and grandmaster levels. Today they include christmas merton james and digression daniels and of course landon peralta back and illustrating the show. What have you drawn for us today. Len well you know. I'm really excited. Say that we've have the first image of the ample car the car. Which i'm that's what i'm calling it. I'm sure they're gonna take my advice. Coming around twenty twenty seven ish or so maybe You know you may. If you're a fan of richard scary busy world a you may be very familiar with the look of of the apple. Ii car I think it'll be a big hit with with fans of people who have kids So check it out. this is called meet. I car And this is available right now. My patriot on which by the way has to new levels. If lets me be your Let me be your teacher. Your mentor with your artwork. I can give you some help that way. And patriots dot com forward slash. Len plus i also just launched a new product called flip face max which is over at lend store dot com. And i i want to show you what that looks like. I did something special. for For our friend shannon for snubs. This is a this is what the flipping flipped. Face masks. looks like This is It's a little bit higher Higher end than the normal flip sister used to But those are on the front page story on pro dot com. But this is for you shannon. If people wanna see that because most people are just listening to this what should they do. Go to well right now. It's going to be on twitter instagram later. But just go to lend dot com. You'll see all the ones i've done over the past couple of weeks and including including shannon's so it's really lovely. Let it's yeah. That's adorable shannon morris First show of twenty twenty one certainly not the last. I know you're a busy lady at. Where can people keep up with your work. Oh my gosh. I have been busy. Youtube dot com slash shannon morse. Just like name. I just did at tech predictions video and it was so cool. I got like eighteen up and coming tech youtubers to their twenty twenty one tech predictions for the year. And there's some names in there that you that you definitely know. Aunt pruitt Miriam take rene ritchie. So i had a whole bunch of people joining and kinda give me their thoughts and It was very very optimistic. And i was really happy to see that. So if you want to see that video and the rest of mine check out my youtube channel. Hey folks if you need. Just the headlines. It's okay to skip eighteen s. Know you get busy. Check out our related show daily tech headlines all the essential tech news in about five minutes daily tech headlines dot com. We're live on this show. Monday through friday at four thirty. Pm eastern twenty one. Thirty e. c. And you can find out more at daily tech news show dot com slash lives. We back monday with chris. Ashley have a gray weekend. All this show is part of the broadband network. Get more at frog pants. Dot com club who've enjoyed this broader.

Apple Hyundai Google Roku Mark Gurman Krebs Shannon Morris Sarah Lane Roger J Competition And Markets Author Hyundai Motor Samsung Shannon Sony Chris Krebs
"self employed" Discussed on FT Politics

FT Politics

06:48 min | 1 year ago

"self employed" Discussed on FT Politics

"Were just the government thinks this might be placed a much more than the three months that they've originally allocated fellow these games including the scheme to support fulltime employees as well so the competencies At the moment getting lots of fluids for the way it's handing out money innocent of John McDonnell Style Way and Ritchie Nights. Getting a lot of personal plaudits way handling this crisis but as a chance. There's always a lot easier to hand out money that is to start to reclaim the money. At the end of the process with taxes would inevitably up to go to the bill at this crisis and we did see the little tinge of what might be coming in the future. When Michigan I can nouns from from Downing again? He didn't invite competent confident. Way that the package seemed to be a decent compromise of excludes those who weren't over fifty thousand pounds a year because he said the average earnings those people is two hundred thousand pounds and the Treasury feels. Those people can probably take have of themselves. But that was this big time. Delay this money isn't gonNA come through until June. That means a lot of self employed people are going to have to claim universal credit not will must have increased the unemployment rate in the UK. But as you know we still figures in the US that show how drastic. It's being there but the most striking thing Georgia's this fact when he said on the other side of this. The Treasury is finally going to level up. The taxes paid by self employed to match those employed. This is Phillip Hammond. Fight to do and we should not looks like he's going to do that now. And I look forward to the inevitable. Backlash from the sun the Conservative back benches and the usual people says everytime we approach us but it does show once we do get through. This crisis is come really tough choices ahead about how we're GONNA pay for this. Yeah exactly that was the sting in the tail of the package for the self employed by St Lucie. Soon I'd say look you want us to treat you like you are an employed person. Well fine we're going to do that. But the price is going to have to face the fact. You've got to pay tax slight employ people in future and as you say. I mean when the reckoning comes for this crisis the bill will run into tens maybe hundreds of billions of pounds of course for while we can just leave that line on the books as as debt and the debt servicing costs very low as we know interest rates are so low but at some point taxes all going to go up and lots of ship alerts for the Conservative Party whether it's fuel juicy. All the differential talks rights pool self employed people van and all the rest of it all have to be addressed. They're going to be some very difficult decisions to be taken. And there are people in the treasury. You know very well. While that basking in the adoration of including people on the left of British politics. You think the government's erring on the side of generosity in dealing with this crisis. They know that they will be a moment. When they're gonNA be doing some very tough stuff on the brick bats would be flying in their direction and finally finding law. I just wanted to come to the last bit of final breaking news. We've had as we're recording. This podcast. That Bush Johnson deployment is two asthma. Hancock have both tested positive for having corona virus. It's quite extraordinary size to see the PM. And the health sector being leading the response this crisis now in self-isolation for seven days. We should say that they've both got mild symptoms. Stay not to at the moment but of course people going to look at this thing. Are they able to see through this crisis? When they're locked away their homes in studies well exactly and whilst they might have mauled symptoms. Now less no guarantee that they will continue in that state. Dominic Robb the foreign secretary is the number to you to the PM so if suddenly the prime minister is taken out of action we will see Dominic Robb Stephan but yet really does highlight the fact that this is really spreading and that anyone can guess it. It's GonNa be very hard for the PM but they were insisting in lobby with the PM spokesman that he will be able to carry on as normal that he can still do all his meetings just via video and telephone cools who in the flat above number eleven Downing Street and officials can have to leave food and what outside his off him but of course he's still going to have to come into contact with some people working that too they're saying he'll be two inches apart but in one of the most extraordinary things. I think that's happened. The fought you have the health And the prime minister. Who is we understand the first while lead to really get this being tested and diagnosed within twenty four hours of each other indeed and of course it does raise questions about other members of the cabinet and the government to because some people like where she soon act the Chancellor Michael Gov the Cabinet Office minister at Mock said. Will the cabinet secretary have been working very close cool says in cobham meetings to deal with the emergency response then at the time of recording on Friday things moving very fast in this crisis at this time no one else in the cabinet is getting tested until they show symptoms in some ways the PM state of working is going to be much like the rest of us you know? He's working in isolation from his home. It just happens to be. His hope is above number eleven Downing Street which is also his work. Yeah I mean. Ironically the prime minister does what from home? Most of the time. Say It will work for him to do that if he manages to stay in good health on your luckily for the beginning of this week cabinet meetings moved onto zoom and he has hopefully been seeing less people a lot of attention ton she the Chief Medical Officer. Chief Scientific Officer Patrick Violence the day. He has tweeted that he's still in good health and carrying on as normal following the procedures and the guidelines that the rest of us are Kris which is also the same but again that would be really quite haunting moment. If you did see those two figures who grown to know these reassuring men that stand alongside the prime minister in these press conferences events happened to them but touch with it. Looks like those two are a k. Pianist a real indication of how many people all going to get this and remember the prime minister who was talking just a couple of weeks ago about how he been to visit a hospital and had been shaking. Everybody's hand that this situation is just moves so so fast and so quickly but you in some ways it's inevitable given the job that he doesn't give the job that Matt Hancock does it involve meeting and talking with a lot of people every day will. I'm she'll be pleased to know that the folks I've spoken to about say the. Pm is continuing businesses normal out. Of course it wouldn't be complete without churchill quote with one of the prime minister saying that Churchill's multiple during the war was always K b. o. Keep buggering.

prime minister self employed treasury Matt Hancock Treasury Downing secretary Michigan John McDonnell cabinet US Churchill PM Phillip Hammond Dominic Robb UK Georgia St Lucie Dominic Robb Stephan Chief Medical Officer
"self employed" Discussed on The Art Newspaper Weekly

The Art Newspaper Weekly

11:45 min | 1 year ago

"self employed" Discussed on The Art Newspaper Weekly

"Two hundred thousand pounds a year to autists so that they can post shave professional development opportunities relating to that practice. It's it's the fortieth anniversary of a and this year is. Is it fair to say that this is probably the worst crisis the faced? I have been with the company for just under two years and looking back on the history of the company We have had a lot of ups and downs over the years. And we've been able to respond very quickly forum numbers but actually this could probably be the worst crisis full routes Especially as of course they are losing income on a daily basis and we need to act quickly and fast. On behalf of our members we Had A number of full tiffany I three celebrations. That we were going to Do ofr starting from September but of course now what we are in a good position to do is to Repurpose our resources to make sure that our members are receiving advice. Help and also support through this crisis. Now you've done survey. Can you tell us what you asked in the survey and importantly what artists telling you so we did the survey and it's very important to say that the survey went out on the nineteenth of March and we close the survey on Cheese Day the twenty fourth of March so it was a very short period for our members to actually engage with the survey however we did have four thousand Over four thousand Replies and we asked them basically how it was affecting their practice and the Rincon the media impacts but we also ask them what they for. The long term impact might be And so we looked Things such as High we have it was affecting the ring come exhibition opportunities travel Selling work their employment Most of our members are self employed commissions residencies studios The impact of e C of Paying for a studio and not actually being able to go in the a mate work and also research and study and grants and awards a so. We asked about this A set for the media and also the long term impact Roy and and in terms of what they're telling you all you hearing repeatedly the same sorts of things or are the problems very diverse and of different levels of complexity. If you look I think looking at the survey and I think if we would repeat the survey in three months time I would imagine that unless there are specific things the autists Are able to access and I can talk about that. After I've taught survey I think will look the same And is very worrying so ninety three percent of our respondents reported that they had That the practice on the career been affected Only three percent of the respondents reported the big no effects and eighty two percent of respondents said that they had upcoming what comes sold. I've been following social media. I'm one of the immediate things that came into my time. Line on Switzer was one of our Artis Council members actually tweeted that in twenty four hours. They lost eight thousand patterns in opportunities this particular members and digital artists and does a lots of Ben's in museums and festivals. So we've been a twenty four hour period of social distancing coming into force. He lost eight thousand pounds and that may not seem so dramatic. But actually if that's a twenty four hour period and if an and the cumulative effects when you add in the possibly around twenty five thousand people losing that type income then it becomes quite serious one of the big things. Uh survey is Autism all concerned by studios so these are effectively places business so they They are renting a space where they go on create make work probably on a daily basis At least most of the working week With the lockdown of course people are not able to go to the studios so they're able to make work in the same way and they will have to adopt that so that becomes a suspension of the creative process and then also The paying rent on the studios so one of the things that we have agreed to take part in a S- to look out what packages could be available for studios Up and down the com- Tracy studio grapes. Jeeter organizations up and down the country to ensure that they are able to access some of the business. Incentives that album business alright is businesses are able to access because actually astronauts is if you're not able to go to your studio and you're not able to create what a what a creative process and that is stalled for a number of months than effectively. When you are able to go to your stadia you'll really paying catch up and This very raw into very sharp focus if you think about people who are working in different mediums. Such as kraft who then rely on selling the work regularly Autism who are also working in other mediums such as photography so studios is something that we all concerned about and those studio groups lots of whom are sled led the not all the not always just the big studio groups that you and I might know acne or space studios and actually both of those organizations provide a a really great service actually to some of the smaller studio welcome. I say results. So it's a very precarious sector as well especially as I've said as most of them all to sled and it's precarious because especially in the cities were rent saw helping rising and increasing And I'll -ticipant forced out of areas. That name might normally have watson free studios rising rents Precariousness of Lisi's Also that sector into a very difficult position free this and what we don't want to see as closures studios but we also want to make sure the studios are also able to pass on benefits such as rent holidays all other types of benefits to the rocky pious as well because that keeps psychology running great and so let's go into the Arts Council announcement. One hundred sixty million fund announced yesterday by the Arts Council and I think the bit that seems to me is the most important of your members. Is this idea. That artists and creative practitioners can apply for cash. Grants up to two thousand five hundred pounds from around twenty million so it is that right. That's that's the sort of crucial development because it will be individual grants to artists. We very much welcome council's announcements this week and they have directed the funding to have an immediate impact on individual autists. And what we would expect to see older. We don't have the detail yet is very much a light touch a fund and application process that can get funding out to artists immediately. So when you say light-touch what do you mean basically? It's they are able to give these grants to artists and not say we insist that you do X. With this amount of money yes. That's absolutely right so we would expect also the application for spe- Very simple and easy to fill and also that there would be a quick decision making processes and Arts Council. England does have the capacity to do that. And as I've said we very much welcome the new fund the artists communities of artists. That are not helped by the Arts Council announcement. I'm thinking there was some some aspect of it which was in terms of artists who've already receive public funding. There will be many of non public funding. I think at the moment when I looked at the announcement. I think that's a gray area on. I think it will become very much clearer. Once they publish the criteria in the guidelines. I can't really speculate until we see the criterion guidelines and. Do you have a sense of win those guidelines will be published? Because I think that seems to me to be absolutely crucial. You've talked about. How urgent is that? People are actively lost money right. Now do you get the sense that you know? There's there's a pace about this process which will be able to help out very quickly absolutely. It's extraordinarily fast pace. And I think as I said we welcome the new fund but also the speed at which else consulates been able to put it together and on the website the guidance will be available on the thirtieth of March so very short time indeed. Great Will Judy. Thank you so much for joining us today and I hope the situation improves. Artists saw looked-after over the coming days. Thanks very much for joining us. Thank you Ben. It's been great to speak to you today and I am very much hoping that this podcast will get key.

Arts Council autists Autism self employed Artis Council Ben Roy Switzer England Lisi Tracy
"self employed" Discussed on The Art Newspaper Weekly

The Art Newspaper Weekly

16:01 min | 1 year ago

"self employed" Discussed on The Art Newspaper Weekly

"Package that includes funding for the self-employed so as Hamburg. So have many others and there is a focus here on the self employed and small companies because these obviously the backbone of any economy and the last thing you want when people are in general actually structurally solid is a whole wave of insolvencies just because if temporary liquidity caused by lack of income bright. What's the self-employed package in Germany? In the package for self-employed freelancers etc announced in in tandem with that for employees people on people being paid by companies. It was actually yes. It was announced at the same time the whole lot and it includes grand so that people can for example apply for a one of two five thousand euros or nine thousand euros from from Berlin The federal government packages not quite three the parliament yet. That's going to happen this week but it should be ready to take applicants from next week. So it's all pretty swift and I think most reassuringly is that people knew very early on that it was coming so am they. They can plan around that. And to what extent has culture have artists been at the heart of the discussion because certainly from a British point of? Yes we as a community are talking about it but in terms of government announcement. It's been very much dealing with self. The self employed as a kind of amorphous. Mass has culture actually mentioned on a sort of by politicians. It has I mean the culture minister has said that she said actually that especially at this moment artists on just indispensable their vital. So that's a direct quote from her so I think there's a general acknowledgement that culture is released system relevant that we need it especially in dark times and that I think might be quite surprising to people in the UK or the US where it's much more difficult to get recognition for the needs of the the arts but then that's generally the case that in Germany generally culture is very heavily supported by public funds by the government And at the time like this in a in a time of this kind of panic I think we really see how different societies valley there artists now. A federal system. You have different art. Center's Berlin is the one that we would automatically think of. What's the government doing four artists? Berlin it's particularly extreme case of course because there are so many artists and people in coach in the cultural generally living in the city. And if you think of all the dancers singers musicians as well of course it's a visual artists in performance artists. And all these people who com- work the man it's a massive knock to the economy. Applicants can ask for grants or loans in order to make sure that they can get through the next few months. And there's a generalization that it's a threat to the economy's whole F- artists come back here and you getting a sense from people in Berlin for instance. They are calm about this. They do feel they are being listened to and they will get support. You know. It's one for governments to make statements of course quite another thing for an this being delivered to people and people being able to pay rents on studios that side of it. At the moment. I fail quite a lot of calmness. The government particularly Monica glitches. The Culture Minister Minister has been extremely reassuring. Saying things like we're not going to leave you in the lurch we understand the desperation and repeatedly and she's been very much in the public eye on on on radio lots of tweets. Lots of 'EM press statements coming out to the office and so on so I think people feel they haven't been gotten of course if it doesn't work quite as smoothly as has been promised and application seemed to go nowhere or take a long time to be dealt with than it might be a different story so. I think that's something we'd have to come back in a week or two. To what extent is there a private foundation based funding system in Germany? All the As there are in the UK and US Baldi setup to fund for instance things like conservation and another kind of art work which goes on behind the scenes at museums. For instance. There have been a couple of private initiatives. The Ants Fund Zeman's Art Foundation for example is often offered grants of up to twenty five thousand years to ensure that restores and curator's academics people writing catalogs or working on paintings will get work so that the museums can apply for that money and full restores and academics to take on specific tasks and has made very clear that they shouldn't be tacit. The museums were already planning. They should be new tasks in order to make sure that this additional work. So there are a few private initiatives like this. But I mean it's going to be at least one thousand nine percent state operated and Germany because that is the way the economy works here in the art world works here. And what about commercial galleries? Obviously we know that there's a there's a thriving gallery system in in Berlin m out how to what extent are they struggling to what extent of they in a position to take advantage of the kind of Emergency measures were. There are whole load of emergency measures that they can take advantage of. It's not just the initial one off grants from Berlin. On from the gym government they can also defer tax payments they can defer social security payments for employees and there are various other measures. Live taking place. Such as landlords are not allowed to throw am self-employed or small companies out of their combination. If they can't pay the rent the moment so there's a whole load of protective measures in place that will help galleries to weather the next few weeks and whether or not some of them will suffer and some of them will fall by the wayside as a result is a bit difficult to say at this point. I think that would take much longer. And we'll have to see how things develop one thing. That is intriguing in your piece on the newspaper. Dot Com was this question of 'em compensation from the Health Department of Health Office of the German government for some people. Can you explain how that works? Yes that means that. If you're a performance artist or for example musicians as well or dancers who have suffered cancellation. It's because of the corona virus. So you lose money because something that you were planning. An scheduled event has been cancelled. Because of all the social distancing rules. You can claim compensation from your local Health Office for that and Leslie Museums. I mean nervous. The the Humboldt form has been on so many people's minds for so long and it was due to open this year. Have you got any sense of on the one hand? How concerned museums are about their futures and especially about the Humboldt Forum? About what are they saying about the future of eight how to help to what extent postponing their opening that we haven't heard yet but I'm sure we'll be postponed. I think that was probably on the cards anyway. Before all of this lots of other postponements have taken place. I am sure you saw an auster while the new Albertina Martin Museum couldn't open the scheduled time and the Jewish Museum. Belen is also planning a brand new opening that was to happen in May with the new permanent exhibition and a new children's museum. That can't happen now. Of course it's all going to be pushed back. But I think we can be fairly confident that the museums in Germany which Moseley public funded in any case will have government funding at some point to help them through this Roy again. That's that's that's different from the UK because we've there's been a push in the UK for a Greater. Sorta percentage of private funding to help museums develop their programs etc so in Germany still very state-funded and you feel confident but because of that system that we will looked after I think so yes. I think that's absolutely the case and I've been reading as well in the New York Times for example that American museums very very worried about the huge losses of shortfalls of income from admissions tickets. And so on and and the government is not very willing to make up the difference because there's no tradition of public funding for museums in the same way that there is in Germany In Germany's really part of the state infrastructure most museums There are some private museums but they are really the exception so it's unimaginable that the government would allow them to fail as a result of this crisis. Okay we'll caffeine. Thanks so much for coming on and keep his posted. I will thank you now for the second in our new series. Lonely works in which we turn the spotlight. Unsworth WORKS IN MUSEUMS CLOSED. Because of the corona verse. This week. I'm delighted to be joined by Zoe. Whitley the knee director of the season. How in London? She's arrived from the Hayward Gallery where she was a senior curator USA curated. Kathy Wilkes is British pavilion show at the last Venice Biennale but perhaps best known curatorial work was on soul of a nation at in the age of black power. The show of African American on that began at tate modern in two thousand seventeen and traveled to various venues in the US which she curated along side Mark Godfrey. So He's chosen a work by Alma Thomas in the Smithsonian American Art Museum and you can see the work as we discuss it at the art newspaper Dot Com Click on the puck cost link on the homepage and look for this episode. Cesari tell me about this work. Why did you choose it? Well it actually continues Other art newspaper conversations that we've been having so I was recently profiled in Brushwood. Thanks very much and I was asked. Which painting I'd want to live with and I think there's something about working in public institutions that even though I don't feel that way about clothes and shoes I always want more I don't tend to think about artworks things I want to possess and yet as soon as that question was asked there was one painting that immediately I could see super clearly in my head is something I could easily live with and want to look at all the time. Because it just brings me a lot of joy and it's a painting called wind and Crepe Myrtle concerto by The Washington DC PAINTER ALMA. Thomas I was born in Washington. Dc My grandmother had a Crepe myrtle tree in her back garden and we spent a lot of time outside. And exactly these kinds of the wash of color and these kinds of shapes that Alma Thomas created with her brushwork reminded me of completely the way. Our Garden would look blanketed by the small pedals off of the CREPE myrtle tree in the summertime. So lovely the Almaz. Such an interesting figures and she because because she was a teacher for most of her life and only really became an artist late in her life then indeed achieve quite a lot of success. Well exactly I think they're a think that thing to think about in terms of the way we understand an arc of success or what counts as success. She studied it. Howard University With a professor named James Herring. Who was very important in teaching a whole generation of African American students? Art Art History. So she was able to study are there and was the first black woman who received a Master of Arts degree from Columbia University in New York and then while she was working as a teacher and when she retired from teaching in about nineteen sixty She was devoting herself to painting full time and ended up becoming the first African American woman to have a solo exhibition at the Whitney Museum of American Art. In nineteen seventy two. She was linked with what's called. The Washington Color School. I'm really interested in the relationship with that. Because always that was dominated by white male artists and also certain certain language that kind of language which much more associated with sustaining and also very very objective. How do you see that relationship with the Washington school? I think it was a kind of loose association. I think we're always trying to fit people within these kind of existing histories and to make these neat stories and the stories aren't always as neat or is linear as we would like them to be. And even though Thomas was acquainted with people like Jean Davis and Morris Louis and others. I think it's also important that within that history can complicate the picture by other like incredibly talented and Virtuosic colorist working in Washington. Dc Like Sam Gilliam. So there were range of practices kind of influencing and affecting one another and so that dominant narrative isn't always the only one or the one that I think is the the most interesting was remarkable. Her Star is there's always the sort of mosaic not to it which of course you know you think about it in the context of something like Bronte's pursed impressionism. But in that particular moment it seems to me to be quite a unique language that she developed in in in you know if you think about the that period that she was working well when Mark Godfrey and I were developing the exhibition Sullivan Nation. One of the works that we were looking at including of Thomas's Was a work that she'd made right after the march on Washington for jobs and freedom and for most of her career most of her life so more than about twenty years she was working representation and so she made an image that put together the kind of visualization of the scene of the marchers with these placards and made. Interestingly enough the way she was able to then think about reducing those placards as a kind of a unit that she then thinks about and works in many different ways in terms of how she approaches abstraction but she was also looking at other major figures in our history like Matisse so one of the works that was on view in the White House during the Obama presidency was one of her paintings called Wasi which has many formal similarities to Matisse's the snail which is in tate modern collection so..

Berlin Germany government Alma Thomas UK self employed Washington US Mark Godfrey Hamburg parliament Crepe myrtle tree Leslie Museums New York Times Humboldt Smithsonian American Art Museu Whitney Museum of American Art Dc Washington Color School
"self employed" Discussed on The Art Newspaper Weekly

The Art Newspaper Weekly

02:38 min | 1 year ago

"self employed" Discussed on The Art Newspaper Weekly

"Off the newspaper put coasties brought to you in association with Bonhams. Auction is in seventeen ninety three to find out more visit. Bottoms DOT COM. Hello it's the art newspaper cursed..

"self employed" Discussed on Coffee House Shots

Coffee House Shots

13:10 min | 1 year ago

"self employed" Discussed on Coffee House Shots

"Monthly prophets over the last three years up to two thousand five hundred pounds a month. James. That's the chance that talking about. What exactly the self-employed game to be able to get and eighty percent of their prophets during parallels with what the employees to get intense eighty percent of wages. Is this an equal package? In terms of have Fargo's Argos is pussy mosh equal and it is it is eighty percents prophets and. I think the sting in the tail came in John's said later on when he basically said look. Everyone is getting treated the same so everyone is going to have to contribute same in future. In other words the favorable tax treatment self employed currently get is gonNA come to an end to end up having to pay the same levels of national insurance as the employed and I think that is an inevitable consequence of this crisis in the justification for the more generous. Tax Treatment of self-employed was that they would choosing to take a bunch of the risk onto themselves vis crisis has shown that that approach is simply not sustainable for people at the lower end of incomes. Go that just going to be left with with any cash to pay the bills but I think after this crisis is over and self employed have lobbied so vigorously for this kind of protection. It's very hard to justify. But differential tax treatment that they get compared to employed workers. Yes and when she was asked by Qa if his comments had meant that he would. Nick to change with the self-employed pay in the future. He didn't rule it out. He said it was an observation. That if you are being treated the same though something that as a society we would have to look at after the Carina virus. It was quite clear. Hit that it might not be policy at bit does appear to be going down in St Rug over. Quality of it was clearly pointed observation. Kate what struck you from. What the chance and offered today while the chancellor gave the most generous package I think he could in the context of some of the most complex areas of the income tax code. I think James has hit the nail on the head when he said it was pointed. Really Quite Stark. He said if we want to benefit equally from state support we must pay in equally in future so well Nothing's been decided yet. I think when we come out on the other side of cove in nineteen. There's no doubt that. Income tax policy for the self-employed will be under review there were a lot of pitfalls at the treasury. Wanted to avoid and I think did fairly successfully. They didn't want to end up paying out. Big Sums of cash to really wealthy contractors or consultants which is why they've capped it for the schemes only applicable to anyone with trading profits up to fifty thousand pounds. They didn't want to end up paying out lots of money to people who use self employment status to top their main income so it's only for people who make the majority of their income from being self employed and of course they wanted to avoid fraud so this is only four people who are already in self employment and have a tax return from two thousand nineteen to prove it now of course that does mean there are still some holes in there will be further questions. I think around benefits welfare universal credit to cover those who still might just outside of the scheme. But it's thought now that those who do fall outside of it were meant to in the top. Five percent of the self-employed earners. Who will be earning far bigger sums of cash? His should be able to get through the coming months. James was the kicker wasn't a not just a higher payment in the future but the fact that folded money that's being offered the grunts those who are eligible able to see that money until June. Yeah I think this is the you're trying to devise an entirely new system at speed and people want the money you know. They want the money at the end of the week. And that that that is beyond the government's technological capabilities. I've ought they obviously are trying to cover this in with by saying that the self employees can access the the the the business interruption loans that the government put in place? I think if you consider I mean. How many years ago did the governments don't try to? G's rollout universal credit. If you can see that in any normal time the speed of these governments games would be considered to be highly ambitious. That's talk about this. Means for the general state of the economy. Perhaps what will be left the economy when we're free corroded virus at some point the estimates that this could cost at free videon pans months in the queue in a one of the things that came up was was the chance that concerned about the impact of spending this much money for example if few look at was having America that is another worrying scientists and potentially the cost of arenavirus? You've written about the America fixing coffee has today so the UK in the US are taking some similar but also some very different approaches to their stimulus packages both countries are offering billions and billions of pounds worth of business loans to try to get business through this time where they essentially have to hibernate operate without customers and without prophets but America has been putting a lot of money into income top ups for individuals and households are also a lot of money into insurance schemes around unemployment so really increasing unemployment benefits the UK has been putting money into trying to get businesses and now also the self employed through this process by sustaining wages. So that when the economy can kick start again people can go straight back into work because they'll have jobs to go back to so those measures are quite different and it's a little bit too soon to say which one is going to be truly successful at the end of all this but as we've seen in the state because there has been less protection around wages and around jobs specifically there has been unprecedented. Isn't really even the word for it? A baffling spike in the number of people trying to claim welfare benefits because they are now presumably jobless. We went from under two hundred thousand less than a month ago to over. Three million people trying to claim jobless benefits the spike is just completely unprecedented in American history. It's completely overwhelming and it suggests that the unemployment shock in the UK when those figures come out. I think the first estimates expected next week is going to be absolutely staggering. So it's a little bit too early to say as I said which system's GONNA prove to be the best one in the long run but it's definitely that the case in the states where they're trying to prop people's incomes through direct cash payments instead of keeping their jobs. Afloat is seeing really big spike in people who need more benefits. There is a big question number of people try. 'cause universal credit suggests that despite the government's games lots of people are being laid off. We've talked a lot of times and you politics in the UK calling me has seen carry on creating jobs come as obviously this crisis but I also having a there is a big moment for business here because the government has offered them unprecedented levels of support. I think businesses don't do everything they can to try. And Keep on staff to Furlough Star Robin to sack them. Then how big public consequences for voters views of enterprise and how pro business they will politicians to be. I mean there is a sense that the moment that this is the kind of shared national effort and I think if there is a sense of businesses are reaching choosing to sack people because it is easier than furloughing them. I think they'll be a big backlash at the end of Ovallis K. If we're looking in area and when it comes to getting companies to supposed behave or go along with what the government is looking for and we keep hearing from the government. How they're saying. Do not lay off your employees. Look what we're offering I do you think public shaming. Perhaps has a roach plan this. Because I've been struck in recent days. How on social media there's a lot of them praising companies which have clearly said they're going to keep employees on and the opposite when actually comes in trying to stay Oakland that it needs to be forcing employees to work all laying off staff I think the reputations of companies and certainly the personal reputations of say famous bosses in the UK are very much on the line right now and I've seen a lot of this to Katie absolutely people are already engaging in naming shaming employers. Who aren't looking out for their staff. The question is will people continue to do that? And VOTE WITH THEIR FEET. Say perhaps not go and buy a certain pint or not. Go book a certain airline ticket when the economy kicks back into gear because it's quite easy to type. A tweet and say well. I'm never supporting this business again. Doing not again because of how. They treated their employees. But when we're all allowed back outside on the Saturday evening or were all allowed to travel again Where does people's money go? I think on balance business will probably come out extremely well from this because you have the select employer or company. Who's getting into a lot of trouble for you? Know encouraging their employers to come to work you have far more businesses big and small. He were say stopping. All productions to now create ventilators at the government came by or staying open and turning themselves into takeaways to supply food for local areas. So I think this could be a real moment for business to actually not prove its worth business. I think in the UK has always thought to be relatively good thing but just to show how vital it is in a crisis. It's not just the government that's going to step in its businesses as well and as James was saying before you know it doesn't matter how big the government welfare scheme is. Some people are going to lose their jobs. Some people are going to fall through the cracks. And it's up to the private enterprises civil society to look after those people as much as possible and this is their opportunity to do so and finally James Gca and finally James says clearly many uncertain ts in the weeks and months ahead we had today at the press conference the deputy medical officer saying that you could have six months of social distancing enhanced in the corona virus. But even if you were to have six months it wouldn't it would be unlikely. It'd be static. 'cause you go up and down in terms of what people are able to do what you think. The sensing government is in terms of how long businesses are going to have to be closed intensive restaurants and pubs. How long now open. You're going to be half to having to pay most of the country to not go to work. Why fought the tone. The deputy chief medical system was quite interesting. It was a little bit more up beat than we've heard previously..

government self employed James Gca UK America Fargo John treasury Nick St Rug Kate deputy chief chancellor fraud Robin Ovallis K. medical officer US
"self employed" Discussed on Today in Focus

Today in Focus

07:16 min | 1 year ago

"self employed" Discussed on Today in Focus

"When I was reading some of the reporting on this I was really struck by the fact that fifteen percent of the UK workforce is self employed. What do we know about the help available to them right now? Well they're going to be given access to the same benefit system which has been tweaked to make it slightly easier to access. It's going to be universal credit and employment allowances. I think one of the things. That's interesting about self employment is that it's not just people who have lower earnings are people in self employment who will have savings but just over a third of self employed people hads attacks. Billingham of less than ten thousand pounds so they tend to allow a plate group. The other thing about them as well. These people who obviously going to have to be getting hold of benefits is disproportionately women who are getting into self employment. Number Women. Self employment went up by more than half over the last ten years just for high the great increase among men so the discrepancy in the way that self employed people being treated in current ivars is affecting Serb passes the sightsee the poorer and women's are harder than others and the game. Konami unions like the I. W. G. B. which represents lots of the Uber Drivers points out that it affects disproportionately people in the black minority ethnic communities because they tend to do those jobs more than that more than the white population after this rope reveals more about court case that could change the fortunes of self employed workers. The rights of self employed workers feels like something that's impossible for us to ignore right now in light of the corona virus outbreak. But this is far from a new problem. How of work has been fighting for their rights up till now rope. There's been battles on various different fronts. One of which has been the formation of trades unions to advocate for worker rights. Forget workers and that has been a very kind of vibrancy but really the battles taking place in the courts and there's also kind of contradictory decisions on these things. So let me just tell you. A couple of these things have happened. So Uber was taken to court by a company of Drivers Wino- Yes slamming James Farrer. Hello and a very warm. Welcome to the program. We start here in London where a court is due to rule. And what's being called the employment case of the year? The taxi hailing APP UBER is being sued by nineteen of its drivers demanding the right to holiday and sick pay and also a pension bay said that they were not the self employed contracts the tool they will work and the courts of back them up on this all the way so far to the Court of Appeal. It's fantastic result for us. Well we are cases always been rock solid. It's just frustrating that it's taken two years to get to this point and I hope that hooper will now respect the judgment and obey employment laws. Dubar is expected to challenge this probably through this year olefins in the Supreme Court. But at the moment that's a case where the courts have gone behind the workers and said that yes you do have workers rights on the other hand you have a case like deliver ru that of rue careers taking out takeaways to our doors have argued to the central arbitration committee. A different kind of forum that they should be classed as workers for collective bargaining purposes. And that's committee said No. They are self-employed. So that runs contrary to the decision. So it's influxes of the moment and the colts being also decide and what's happening now with. The Corona virus issue is that the hand is being forced people are starting to realize including perhaps the government and the gate Konami platforms themselves. That people simply need greater protections than the business model currently allows them and one of those people is mark. He's really hopeful that his colleagues will win. That case against Uber are losing the Supreme Court in July which everybody expects them to their own me. Five Years Worth of back pay holiday pay. I'm not going to be quite a load of money we could do with windfall ready ready. I know everybody could but really we could ask people like him. That would make such a huge difference. Yes I mean if they do win that case at the Supreme Court's then it would be a complete transformation essentially of Uber's business model an Uber. Interestingly is already kind of wrestling with the idea that it's business model mainly to change its chief executive in the states has just written to Donald Trump this week. And he's saying to him. Look we need. We need your help to support our workers and they said something really interesting outlets in which is the once we move past media crisis. The opportunities legally provide them with a real safety net. Going forward is that they want to achieve so it feels like the crisis going to change the status of millions of workers around the world for good a worried about the next few weeks mark goes. I don't think there's a soul in the country is not word but I just don't see how a modern capitalist economy could survive without a full quarter of revenue. So I wonder if the whole thing is going to come crashing down whether the end up in some kind of socialist utopia or whether it ends up me guarding my last bottle of water with narrow. I don't know this moment. Nari I do have no. I have a bow any arrows. They'll go destroy. Go to the park and guessing twigs feathers and some flints manufacture narrow to defend my last bottle of water. It's been really dispeat- thank you so much. Okay that's all for today. Many thanks to mark hands on Rob Youth ICAN follow all of reporting at the Guardian Dot Com. We also asked Eba if it had a response to mock story. They told us that they're supporting drivers and careers who are diagnosed with covert nineteen or placed in quarantine by public health authority. According to them drivers and careers in these situations will receive compensation for a period of up to fourteen days. They say this is already begun in some markets and they're working to do this worldwide. Today's episode was produced by mightly. Row with sound design was by execute. Ta and the executive producers are the CO Jackson and Phil Maynard's. I hope you're managing to get by in this new lockdown that we're all living under now we'll be back to keep you company tomorrow..

self employed Uber Supreme Court Konami Court of Appeal Billingham UK James Farrer London Eba W. G. B. Donald Trump hooper Dubar colts chief executive executive Jackson Phil Maynard
"self employed" Discussed on Today in Focus

Today in Focus

01:30 min | 1 year ago

"self employed" Discussed on Today in Focus

"All waiting anxiously for help. The government is saying is on its way today. It's been tricky to work out a package that will address the needs of as many people as possible but that is being done at being done at incredible speed machine. That will be an obscene. A package tomorrow from the Guardian. I'm Rachel Humphries. Today InFocus a race against time to rescue the UK self employed workers. I begun driving for Uber in April. Two Thousand Fifteen Ooh Kenzees one of the many Gig economy workers who has been following the news anxiously this week. He spoke to me from his home in London. Portfolio career as people say jokingly often leads to different things and I had downloaded Uber. And kind of gotten bobby and it was a friend of mine. I put him in a cab on New Year's Eve. I ordered him one and he told me you've been talking to the driver and they were making really good money in you was swannee financially and a He's just give it a go and I did seven days a week. Double Shifts three months to dig us out the hall. Yeah I'm sitting fourteen days. Fourteen days work a week I was not law and what with what was obsolete.

bobby Rachel Humphries InFocus self employed London UK
"self employed" Discussed on Reasons to be Cheerful

Reasons to be Cheerful

07:23 min | 1 year ago

"self employed" Discussed on Reasons to be Cheerful

"This as reasons to be cheerful with that milliband Jeff. Hello Hello so we've decided that. With circumstances being what they are when it's appropriate we'll release extra episodes. The issue around Corona virus developed very quickly and try and keep up with and reflect that if there are ideas out there to help. We want to make sure that we're telling you about them as quickly as possible. And that's what we're doing on this extra episode. Took it about what can be done for the self-employed workers in the GIG economy. And we'RE GONNA be talking to Taunton Bell from the resolution foundation and Alenia Hagen. Freelance journalists have been writing about the plight of self employed people. I'll tell you some certainly something that I'm seeing for all of my constituency correspondence just a big range of people In self employment who are basically have no work there now. Universal credit sometimes funding delays with that. But there are just a really seriously very difficult situation alcohol as we'll talk about some people who were who were employed work because as well reasons to be cheerful with Ed milliband and Jeff Lloyd not to discuss where we are until economic support for self employed and other groups and what moon needs to be done. I'm glad to say we're joined by. Tolstoy Bowel Ellie Mae. O'hagan two toss them remind us what support the government did announce last week and the key groups that the resolution foundation believes have been overlooked so lost Friday. The government set out really very moves. Unprecedented moves in the UK to underwrite the wages of employees in struggling firms. A for up to eighty percent of their previous wages. They were able to do that. Because it's relatively straightforward and I say relatively because it's actually very difficult but relatively straightforward because we have the data on their p. away so we know how much people have previously been paid and then government is setting up a scheme so that firms can apply to the government for that for that for those wages to be covered. The government's has been wrestling with since then is that there are gaps in people who are not covered by that. The folks of that in the public debate has been on the self-employed understandably but there are actually two other groups that we should highlight one. Is that lots of people are still going to lose their jobs. Who WERE EMPLOYEES? Not Everybody's going to have their jobs saved by this retention scheme and the second thing is that people are having their hours. Cut Worm receiving come compensation from the scheme. Only those who have their hours reduced to zero and that is a significant problem. So all view is that the government should address all three of those gaps in package. They announced tomorrow even speaking to self employed people but affected. Can you give us a picture of some of the stories? You've heard. I wish I had canoes? British is absolutely bleak. The first person that I spoke to you it was actually a friend of mine who lost one hundred percent of his income two weeks ago and feels that his career is basically over now looking into universal credit. I'm not really has been repeated over and over again with every self employed person I've spoken to. I don't think there's a single person I can recall. I've spoken to fifteen people. I've been collecting case. Today's what was the range of occupations of the people. You've been talking to a lot of people working in the arts for warm so I mean these are people who we of course. We're used to hearing stories about occupations like being a delivery driver or being an uber driver. These being very precarious insecure forms of work. And there's been rightfully. There's been a lot of campaigning around trying to improve conditions for those people. But what I've been seeing. Is something really different? These are people who are working for very prestigious organizations. Who are doing kind of award-winning artwork on the one hand. And then you also have people who are working in seasonal occupations who of course were just gearing up to for the summer months and we'll have spent lots of money on stock and equipment and now everything's just been completely decimated but really I mean I struggle to think of a single sector of society. That hasn't really been covered by this because every sector of society relies on self employed people from obviously like anecdotes on the same data. But everybody I've spoken to you. It has been a case of their entire income. Has Been has just gone in the space of seventy two hours if you get the sense. That's why some people on social distancing himself isolating we've all seen the pictures of the cramped Chubu carriages on social media in the news. Do you think some people who are so afraid of losing income that they're still forcing themselves out into dangerous situations really one hundred percent and I think one particularly sailing. Example of that is trade people. Lots of traits people are self employed and the government guidance has been very unclear about war. Trade people are an aunt allowed to do so. Obviously working on building sites has been allowed. Apparently as long as social distancing is observed which I feel is quite unrealistic to expect social distancing in those occupation working in people's homes and presumably. That's not okay but if you if you rely on the income that you get from. Working People's homes to live then. You not just going to stop doing it because you're going to be destitute so absolutely it's a case of necessity for these people and I'm sure I feel confident the everybody I've spoken to would stop working immediately. If they felt that it wouldn't caused them really serious problems financially. Not a single person. I spoke to was flipping about corona virus. In fact one person I spoke to a lost their entire income within the space of about six or seven hours and then to reorientate their entire business to be done online in order to save their income and save their employees income and their self employed workers incomes while they had corona virus and was hallucinating from having such a high fever. So there's no way that these people are not taking it seriously or just thinking that they'd like to make you quit these people who have been forced into the situation by lack of support. Tilton tell us because you you ellie have set out in different ways the gaps of there are give us a sense of symptoms as you can tell us what you think. The key solutions our expecting announcement from the chancellor. Slow I at least around the self employed but but obviously your recommendations wide and that gives us a sense of of the main things. You'll proposing the thing to understand. Seeing here is very different. What we saw in the financial crisis is a very short very deep shock to employment because we all closing down whole.

self employed government Jeff Lloyd Taunton Bell Alenia Hagen Ellie Mae UK Ed milliband O'hagan Tilton chancellor Chubu
"self employed" Discussed on Money Girl's Quick and Dirty Tips for a Richer Life

Money Girl's Quick and Dirty Tips for a Richer Life

01:42 min | 1 year ago

"self employed" Discussed on Money Girl's Quick and Dirty Tips for a Richer Life

"And your expenses for your business many computerized systems include the ability issue tax forms to vendors and run year end accounting report so definitely look for those features in whatever type of system that you use my six route will for you is always get receipts for business purposes while being self employed means that you're responsible for paying more taxes than an employee not the upside is that you do get to claim many tax deductions and if you're not clear what I'm talking about tax deduction is an amount of money really reduces the amount of your taxable income which lowers the amount of federal and state tax that you must pay but the proof that you how valid tax deduction is on you as a business owner so that means you got to keep supporting documents such as your receipts invoices any payments to employees ease at Cetera however you can store all of these critical documents digitally instead of as paper records if you wish and the irs audits any of your tax returns you're GonNa be asked to explain exactly how you calculated the taxes that you paid so anytime you make a business expense dance be sure to label your paper recede or at a description in your bookkeeping program to help you remember what its business purpose was in general the IRS accepts credit card statements as proof of expense claims but the more detail that you've got in your record keeping system the better so try to get the habit of taking photos of your receipts and uploading them to your computerized program or storing them in.

self employed business owner irs
"self employed" Discussed on Money Girl

Money Girl

02:02 min | 3 years ago

"self employed" Discussed on Money Girl

"Package which is what most employers offered these days to stay competitive when your self employed you get a lotta perks that many traditional employees miss like unlimited vacation and sick days flex time comp time some tax deductions and perhaps the ability to work from any location those are just a few of the upsides of being your own boss so the pros and cons of being your own boss is certainly something that you have to evaluate for yourself but in this podcast i'm going to show you how to create your own self employed benefits program and it's probably a lot easier than you think plus i'll answer several related questions that i got for money girl readers and listeners about working for yourself again i'm glad you're here and i hope that you'll stick around by subscribing if you haven't done that already and if you have questions or wanna review anything that i cover in the podcast every single show has notes so you'll find all of those plus the full archive of podcasts in the money girl section at quick and dirty tips dot com this is episode number five hundred thirty three five steps to create your own self employed benefits package so i'm gonna take you through five really important points of creating benefits that can kind of mimic what you get in the workplace and if you put all of this to gather you really find that you're going to protect your personal finances you cut taxes and reduce the risk of being an entrepreneur so the first benefit that you need to recreate for yourself is health insurance if you've made the leap from a corporate job to being self employed you know that the first benefit you're likely to miss is health insurance group plans cost a whole lot less than individual plans plus your employer may have subsidised all or some of your premium making it cost even less.

self employed