# cris (blogs) — RSS Amplifier Recent posts from the 1 feeds in the RSS Amplifier directory that cover cris. Page: Feed: --- ## [How to get a Patient scam to see if you’re fit for dope!](https://henrytapper.com/2026/08/27/how-to-get-a-patient-scam-to-see-if-youre-fit-for-dope/) _2026-08-27 · henry tapper · AgeWage: Making your money work as hard as you do_ I was contacted this morning by Patient Info who are advertising a £39.99 consultation from Releaf (down from £99.99) who will provide you with an assessment for whether you should use medicinal cannabis. Patient Access is the service that many … Continue reading → ## [Patronising stuff about collective pensions from Mrs Schroders.](https://henrytapper.com/2026/08/27/patronising-stuff-about-collective-pensions-from-mrs-schroders/) _2026-08-27 · henry tapper · AgeWage: Making your money work as hard as you do_ Rachel Harris speaks for Schroders and explains this strange CDC thing to readers. Firms which may have a more paternalistic or “avuncular” approach to its retirement scheme members may be more likely to take up the adoption of collective defined … Continue reading → ## [If you want leaseholders freedom, you’ve got today to have your say!](https://henrytapper.com/2026/08/27/if-you-want-leaseholders-freedom-youve-got-today-to-have-your-say/) _2026-08-27 · henry tapper · AgeWage: Making your money work as hard as you do_ STEP ONE CLICK HERE TO READ THE BRIEFING STEP TWO RESPOND TO GOVERNMENT CONSULTATION Harry Scoffin says more in this video than I can say in words Fight now, or let the leasehold mafia win. Give them an inch, and … Continue reading → ## [Isn’t there such a thing as over-regulation? Not with DB pension schemes it seems.](https://henrytapper.com/2026/08/27/isnt-there-such-a-thing-as-over-regulation-not-with-db-pensions-schemes-it-seems/) _2026-08-27 · henry tapper · AgeWage: Making your money work as hard as you do_ We have a Pension Protection Fund with a surplus that is obscene compared with what that money could do in this country. We have a regulatory regime that means that Defined Benefit pensions are still funded on the most conservative … Continue reading → ## [“The care of people is at the heart of what we do” – Andy Burnham on entering #10](https://henrytapper.com/2026/08/26/the-care-of-people-is-at-the-heart-of-what-we-do-andy-burnham-on-entering-10/) _2026-08-26 · henry tapper · AgeWage: Making your money work as hard as you do_ John Flynn of the Association of Member Nominated Trustees calls out in a fine article in Professional Pensions “Never forget, that in DC and collective DC (CDC) schemes, members will be the only real stakeholders, yet their voice remains almost … Continue reading → ## [Reform have driven down a pension cul-de-sac; it’ll be tricky reversing out.](https://henrytapper.com/2026/08/26/reform-have-driven-down-a-pension-cul-de-sac-itll-be-tricky-reversing-out/) _2026-08-26 · henry tapper · AgeWage: Making your money work as hard as you do_ The Reform view of pensions is hypocritical in the extreme. My friends at Prospect Union point this out with greater force than I can How hypocritical can you get? Reform MPs want to close public service pension schemes for millions … Continue reading → ## [Making sure your lover “can afford to grow old without you”](https://henrytapper.com/2026/08/26/making-sure-your-lover-can-afford-to-grow-old-without-you/) _2026-08-26 · henry tapper · AgeWage: Making your money work as hard as you do_ Below’s a really good post which I’ve learned from. It ties in with some thinking that has been done with Neil Walsh of Prospect and helps me and friends wishing to provide collective pensions from next year. It ties in … Continue reading → ## [Financial Inclusion’s to be lauded; it isn’t woke but what about this Committee?](https://henrytapper.com/2026/08/26/financial-inclusions-to-be-lauded-it-isnt-woke-but-what-about-this-committee/) _2026-08-26 · henry tapper · AgeWage: Making your money work as hard as you do_ For some people, woke is a word about awareness, fairness, and paying attention to injustice. For others, it sounds political, sarcastic, and maybe a little overused. This morning I got a mailing from Gov.uk on the progress of our Financial Inclusion … Continue reading → ## [Harry Scoffin told you leaseholders would be shafted and he was right](https://henrytapper.com/2026/08/26/harry-scoffin-told-you-leaseholders-would-be-shafted-and-he-was-right/) _2026-08-26 · henry tapper · AgeWage: Making your money work as hard as you do_ Here’s the Telegraph this weekend Desperate developers offer freebies to offload luxury flats Buyers on one North London estate promised £40,000 in private school fees Maya Wilson Published 21 August 2026 Developers are battling against a ‘bottleneck’ of completed new-build stock … Continue reading → ## [Callum Stewart joins the queue wanting a change of name for CDC.](https://henrytapper.com/2026/08/25/callum-stewart-joins-the-queue-wanting-a-change-of-name-for-cdc/) _2026-08-25 · henry tapper · AgeWage: Making your money work as hard as you do_ This is not having a go at Callum Stewart, quite the opposite, I am in the queue somewhere myself! What’s going on when people talk names (nomenclature if you’re posh) is to try to compress thinking into a word or … Continue reading → ## [Trade Bitcoin & Ethereum (Sponsored)](https://crawlproof.com/a/fATRHlAXgN8K) _2026-08-25 · **Sponsored**_ Buy, sell and margin trade BTC & ETH with fiat currencies ## [Cowardly capitalism blocks the free flow of transfers.](https://henrytapper.com/2026/08/25/cowardly-capitalism-blocks-the-free-flow-of-transfers/) _2026-08-25 · henry tapper · AgeWage: Making your money work as hard as you do_ I do not want to make a crisis out of a drama , but we are having a bit of a drama on this blog about whether we are taking bulk transfers from DC schemes seriously. I have stated that … Continue reading → ## [How the stock market views SJP is important to the retail finance business](https://henrytapper.com/2026/08/25/how-the-stock-market-views-sjp-is-important-to-the-retail-finance-business/) _2026-08-25 · henry tapper · AgeWage: Making your money work as hard as you do_ Gordon Aitken’s work on SJP is very important. He has discovered a difference in perception between how SJP (and maybe the wealth industry) perceives itself and how the stock market prices it. Is its book of business so fragile? There … Continue reading → ## [CDC needs behemoths like BlackRock and it needs “challengers” like Pensions Mutual to provide “collective pensions”](https://henrytapper.com/2026/08/25/cdc-needs-behemoths-like-blackrock-and-it-needs-challengers-like-pensions-mutual-to-provide-collective-pensions/) _2026-08-25 · henry tapper · AgeWage: Making your money work as hard as you do_ I am a great admirer of BlackRock as a proponent of collective pensions or “CDC”. Here is Sophie Dapin with a fresh view on what can be done. We have Royal Mail and will soon have a collective pension for … Continue reading → ## [The LGPS has money for a pro-tem solution to funding social care.](https://henrytapper.com/2026/08/25/the-lgps-has-money-for-a-pro-tem-solution-to-funding-social-care/) _2026-08-25 · henry tapper · AgeWage: Making your money work as hard as you do_ There is a lot that a Commission can do as a “think-tank” and the Social Care Commission is a supercharged think-tank which can be highly influential. But right now the crisis in the social care sector has been brought about … Continue reading → ## [Pensions don’t lead to inheritance tax for anyone – it’s the pots that are the problem](https://henrytapper.com/2026/08/23/pensions-dont-lead-to-inheritance-tax-for-anyone-its-the-pots-that-are-the-problem/) _2026-08-23 · henry tapper · AgeWage: Making your money work as hard as you do_ There are now four ways of avoiding inheritance tax with your pension pot (s) you’ve saved over your work career If you are within a year of joining a public service\* pension you can swap your pot for pension based … Continue reading → ## [A solution for the gender pension gap from LCP](https://henrytapper.com/2026/08/23/a-solution-for-the-gender-pension-gap-from-lcp/) _2026-08-23 · henry tapper · AgeWage: Making your money work as hard as you do_ There is an interesting idea floated by Steve Webb off the back of last week’s excellent article of the impact of getting divorced when close , at or beyond retirement The idea is simple and plays nicely to the worry … Continue reading → ## [People cannot allow despair to overtake their retirement hope.](https://henrytapper.com/2026/08/23/people-cannot-allow-despair-to-overtake-their-retirement-hope/) _2026-08-23 · henry tapper · AgeWage: Making your money work as hard as you do_ I have met a few people when advising who have given up on retirement because they see the pension system working against them. Some of them have given up on work – at least in the paid sense. I have … Continue reading → ## [Here’s the political Tom McPhail – is he the Tory counter to Torsten Bell?](https://henrytapper.com/2026/08/23/heres-the-political-tom-mcphail-is-he-the-tory-counter-to-torsten-bell/) _2026-08-23 · henry tapper · AgeWage: Making your money work as hard as you do_ The Conservatives have a new financial spokesperson . He’s articulate and he speaks good sense to those who read him in the Times and Telegraph. Tom is a voice for those who have money or who aspire to be wealthy. … Continue reading → ## [We seem to most trust scammers when we’ve lost trust in our money managers.](https://henrytapper.com/2026/08/23/we-seem-to-most-trust-scammers-when-weve-lost-trust-in-our-money-managers/) _2026-08-23 · henry tapper · AgeWage: Making your money work as hard as you do_ This faked photo has had to be labelled “AI Generated” by the Financial Times because FT readers may have taken it as an incident that really happened and not one generated to capitalise on support for Farage by his hardcore … Continue reading → ## [What do people want ; we learn from the Big Conversation in Care proposals – and Nathan Hollow](https://henrytapper.com/2026/08/22/what-do-people-want-we-learn-from-the-big-conversation-in-care-proposals-and-nathan-hollow/) _2026-08-22 · henry tapper · AgeWage: Making your money work as hard as you do_ In this guest column: PLMR’s Nathan Hollow, Trustee of The Care Workers’ Charity, discusses the experience of voting on Baroness Louise Casey’s Big Conversation on Care – you can find the original at Care Home Professional here. Never let it … Continue reading → ## [Fast, secure international transfers (Sponsored)](https://crawlproof.com/a/M1FzVEy6H4b8) _2026-08-22 · **Sponsored**_ Bank transfer, cash pickup, mobile wallet — low fees and real-time tracking ## [M&G’s “push me, pull you” bulk purchase annuity!](https://henrytapper.com/2026/08/22/mgs-push-me-pull-you-bulk-purchase-annuity/) _2026-08-22 · henry tapper · AgeWage: Making your money work as hard as you do_ In a week when Standard Life announced they were replete with funds there was more interesting news (to me at least ) from M&G which is also Prudential. As I understand it from my friend John Quinlivan, this is a … Continue reading → ## [Have funds placed in Standard’s Life PRT war-chest missed the boat?](https://henrytapper.com/2026/08/22/have-funds-placed-in-standards-life-prt-war-chest-missed-the-boat/) _2026-08-22 · henry tapper · AgeWage: Making your money work as hard as you do_ To great acclaim ( suspect from home support), Standard Life launched last week its funding for future buy-out business. It is hard though not to agree with estimates of their capacity to compete over the past 18 month, Standard Life … Continue reading → ## [It’s feeling a little hotter, and better in the back pocket!](https://henrytapper.com/2026/08/21/its-feeling-a-little-hotter-and-better-in-the-back-pocket-2/) _2026-08-21 · henry tapper · AgeWage: Making your money work as hard as you do_ It’s been a wonderful summer (so far) and yesterday we felt happy for some rain. I know it doesn’t feel quite that way the further north you get but down here in the south it has been a summer like … Continue reading → ## [Dismay the marginalised lose trust in retirement saving – a Cambridge University study](https://henrytapper.com/2026/08/21/dismay-the-marginalised-lose-trust-in-retirement-saving-a-cambridge-university-study/) _2026-08-21 · henry tapper · AgeWage: Making your money work as hard as you do_ This study tells us something we perhaps feel inside, that giving us the freedom to get out of saving retirement doesn’t make retirement very good. Here’s the abstract Both insufficient saving and early withdrawal of retirement savings jeopardize financial … Continue reading → ## [Retirement CDC – a long wait for something you can have now!](https://henrytapper.com/2026/08/21/retirement-cdc-a-long-wait-for-something-you-can-have-now/) _2026-08-21 · henry tapper · AgeWage: Making your money work as hard as you do_ I like Johan Kriek, he asks difficult questions of Collective Pensions (CDC) and sometimes I agree. This is one of those times, I was the one of the people who responded to the Retirement Consultation that closed in 2025. I … Continue reading → ## [The predicted bad news for leaseholders is here; it’s a “cost of living” that can be addressed!](https://henrytapper.com/2026/08/21/the-predicted-bad-news-for-leaseholders-is-here-its-a-cost-of-living-that-can-be-addressed/) _2026-08-21 · henry tapper · AgeWage: Making your money work as hard as you do_ For the second time this morning, I find myself thanking Amy Borrett providing me with data for thought! For those of us who live in cities (especially London) this is a particular problem No one’s buying , everybody seems to … Continue reading → ## [It’s that time again – time to grow your pension!](https://henrytapper.com/2026/08/20/its-that-time-again-time-to-grow-your-pension/) _2026-08-20 · henry tapper · AgeWage: Making your money work as hard as you do_ It’s worth paying your pension some attention and it’s also time to check it! As I have posted elsewhere this morning, for most people the pension they’ll check first is their state pension! Here’s mine – make sure you’re getting … Continue reading → ## [State pension on course for £500 rise as earnings growth hits 4.1%](https://henrytapper.com/2026/08/20/state-pension-on-course-for-500-rise-as-earnings-growth-hits-4-1/) _2026-08-20 · henry tapper · AgeWage: Making your money work as hard as you do_ Thanks to Ellie Carric for this look forward to later in the year when we discover how much we will “earn” in our state pension from April next year. I wish there were more articles as bonnie as this! I … Continue reading → ## [The horror of letting the taxman take your unspent pension pot!](https://henrytapper.com/2026/08/20/the-horror-of-letting-the-taxman-take-your-unspent-pension-pot/) _2026-08-20 · henry tapper · AgeWage: Making your money work as hard as you do_ I have swum in a pool where mournful pensioners refill the water level with their tears. Bless Steve Hunt and all the others in that swimming pool. Open the article for page after page of indignation at the treasury’s designs … Continue reading → ## [Where have the IGCs gone? What are we using to compare VFM?](https://henrytapper.com/2026/08/20/where-have-the-igcs-gone-what-are-we-using-to-compare-vfm/) _2026-08-20 · henry tapper · AgeWage: Making your money work as hard as you do_ Royal London wrote the last IGC report I commented on. They always looked to IGCs to promote Royal London’s pension capacity. But IGC’s were published the same year as pension freedom came in and the DC workplace pension providers were … Continue reading → ## [Install Manifest V3 Extension (Sponsored)](https://crawlproof.com/a/oxYWI7j0qrTZ) _2026-08-20 · **Sponsored**_ Get this Manifest V3 extension from the official TronBrowser Store listing. ## [Burnham’s big issue reaches me somewhere I never expected a prime minister to speak](https://henrytapper.com/2026/08/19/burnhams-big-issue-reaches-me-somewhere-i-never-expected-a-prime-minister-to-speak/) _2026-08-19 · henry tapper · AgeWage: Making your money work as hard as you do_ I know this is a little geeky but I like someone who reaches out to me this way. I’m pleased to see Andrew Burnham writing this himself (I assume it is himself who’s taken a few minutes to write … Continue reading → ## [Autism -“Is it a superpower? No. Does it let me do things others can’t? Probably”](https://henrytapper.com/2026/08/19/autism-is-it-a-superpower-no-does-it-let-me-do-things-others-cant-probably/) _2026-08-19 · henry tapper · AgeWage: Making your money work as hard as you do_ There is not much that I can say that Jon Dunkley has not said for himself. He is autistic, he is articulate and he gives us insight to many situations we have all been through. Thanks Johnny Timpson OBE for … Continue reading → ## [Why Gen Z are abandoning their pensions – I agree with Tom for a different reason.](https://henrytapper.com/2026/08/19/why-gen-z-are-abandoning-their-pensions-i-agree-with-tom-for-a-different-reason/) _2026-08-19 · henry tapper · AgeWage: Making your money work as hard as you do_ Tom has written a great article that appears below and in the Times. I agree that there is good reason to prioritise other things than long-term saving when at work. But our parents insisted we paid the stamp (as my … Continue reading → ## [I wasn’t black, was at Cambridge and am still prejudiced](https://henrytapper.com/2026/08/19/i-wasnt-black-was-at-cambridge-and-am-still-prejudiced/) _2026-08-19 · henry tapper · AgeWage: Making your money work as hard as you do_ I read this story with a sickening feeling of guilt. I was boasting last week that I read English at Cambridge like Andy Burnham and Amy Hunt as if that made me something. Of course it does, it makes you … Continue reading → ## [2.4m People flexibly accessed Pension Income before Age 65. The Treasury is the Big Winner](https://henrytapper.com/2026/08/19/2-4m-people-flexibly-accessed-pension-income-before-age-65-the-treasury-is-the-big-winner/) _2026-08-19 · henry tapper · AgeWage: Making your money work as hard as you do_ This may or nay not be true but whether this was chicanery by the Exchequer of not, there is a lot of money that will not be paid as pension that was incentivised to be so. I’m agreeing with James … Continue reading → ## [The unions fired up by “collective pensions”](https://henrytapper.com/2026/08/18/the-unions-fired-up-by-collective-pensions/) _2026-08-18 · henry tapper · AgeWage: Making your money work as hard as you do_ I have to say, I have been surprised and pleased by the interest of union pension officers in what we can now call “collective pensions” (formerly CDC!). There are three dates in my diary to catch up with them. The … Continue reading → ## [“There’s nothing special about dividends” – says Robin Powell.](https://henrytapper.com/2026/08/18/theres-nothing-special-about-dividends-says-robin-powell/) _2026-08-18 · henry tapper · AgeWage: Making your money work as hard as you do_ This article is important to pensions though it’s aimed at people with portfolios of directly held shares. Pension funds of course don’t pay a dividend, they pay a pension which is an encashment of the fund. But people base their … Continue reading → ## [Life Insurers promote themselves as different but they dependably deliver the same thing!](https://henrytapper.com/2026/08/18/life-insurers-promote-themselves-as-different-but-they-dependably-deliver-the-same-thing/) _2026-08-18 · henry tapper · AgeWage: Making your money work as hard as you do_ Who to believe? Both Scottish Widows and Standard Life are advertising their products with different messages but with the same pictures, pictures of happy clients being supported by human beings and by financial technology. The financial conundrum for insurance companies … Continue reading → ## [John (JQ) Quarrel , a great lawyer – a great voice speaking for decency in pensions.](https://henrytapper.com/2026/08/18/john-jq-quarrel-a-great-lawyer-a-great-voice-speaking-for-decency-in-pensions/) _2026-08-18 · henry tapper · AgeWage: Making your money work as hard as you do_ This is not a happy end to John Quarrel’s life. I intend to go up north to wish him a better after life. Much went wrong in his later days and Susan and his daughter Helen have stood behind him … Continue reading → ## [This should appeal to the young professional – get paid at a massive discount on tax!](https://henrytapper.com/2026/08/17/this-should-appeal-to-the-young-professional-get-paid-at-a-massive-discount-on-tax/) _2026-08-17 · henry tapper · AgeWage: Making your money work as hard as you do_ Works for the hi-paid kids I know. Imagine paying 71% of your pay away when it could provide you deferred pay I don’t think that a Collective Pension excludes anyone. If you are young and you want to pay your … Continue reading → ## [The Dashboard is cleaning up our data – so we’ll see our retirement wages.](https://henrytapper.com/2026/08/17/the-dashboard-is-cleaning-up-our-data-so-well-see-our-retirement-wages/) _2026-08-17 · henry tapper · AgeWage: Making your money work as hard as you do_ It makes us think;- the prospect of life with a pension dashboard! If Chris Curry is right, the dashboard has done part of its job- a year from starting. We don’t know when he’ll have it open to the public … Continue reading → ## [German pensions – this is the big new deal for asset managers](https://henrytapper.com/2026/08/17/german-pensions-this-is-the-big-new-deal-for-asset-managers/) _2026-08-17 · henry tapper · AgeWage: Making your money work as hard as you do_ The big story for asset managers in Europe is not CDC or DC or the revival of DB as an investment opportunity, it is German funded pensions. ## [Threescore years and ten; 70’s now the age to retire , not to die!](https://henrytapper.com/2026/08/17/threescore-years-and-ten-70s-now-the-age-to-retire-not-to-die/) _2026-08-17 · henry tapper · AgeWage: Making your money work as hard as you do_ There’s a murmuring doing the rounds mocking those of my generation (mid 60’s) who cannot stop working but who know their children wish they would. They result in announcement of a career end. But these retirement announcements always promise another … Continue reading → ## [Divorce means pensioner poverty for many of a certain age](https://henrytapper.com/2026/08/17/being-single-and-retired-can-mean-pensioner-poverty-says-lcp/) _2026-08-17 · henry tapper · AgeWage: Making your money work as hard as you do_ Coping with the difference in lifestyle you face in retirement is one thing, maybe it’s not good for marriage. A high number of couples split up rather than go through a changed lifestyle – it would seem. While freedom from … Continue reading → ## [The Low Earner’s Pension Payments;- now pushed back to 2027 – it’s a scandal.](https://henrytapper.com/2026/08/16/the-low-earners-pension-payments-now-pushed-back-to-2027-its-a-scandal/) _2026-08-16 · henry tapper · AgeWage: Making your money work as hard as you do_ Following any email of 9th July HMRC has written to provide an update on the delivery of the Low Earner’s Pension Payment (LEPP). It arrived early in August Yet another delay in the tax-man paying back pension payments They Continue reading ## [What is the future for GPP workplace pensions.](https://henrytapper.com/2026/08/16/what-is-the-future-for-gpp-workplace-pensions/) _2026-08-16 · henry tapper · AgeWage: Making your money work as hard as you do_ My DC pot was established with L G by First Actuarial, my employer at the time of auto-enrolment. We were going to use Prudential but that large insurer which is now offering pensions through M G had recently withdrawn from writing Continue reading ## [SJP’s right to hold pre-eminence in managing financial affairs of the wealthy questioned](https://henrytapper.com/2026/08/16/sjps-right-to-hold-pre-eminence-in-managing-financial-affairs-of-the-wealthy-questioned/) _2026-08-16 · henry tapper · AgeWage: Making your money work as hard as you do_ Yesterday I published an article by Gordon Aitken that stood up for SJP after it had taken a stock-marketing beating for losing customers. My argument has consistently been that SJP serves a place in society, they are an expense that Continue reading ## [The complexity of some tax free cash sum payments – and who to go to for answers.](https://henrytapper.com/2026/08/16/the-complexity-of-some-tax-free-cash-sum-payments-and-who-to-go-to-for-answers/) _2026-08-16 · henry tapper · AgeWage: Making your money work as hard as you do_ Sensible but technical stuff for the smart and those who have smart advisers! Queries on Lump Sum Payments Dave King Pensions Technical Consultant, Aries Insight April 21, 2026 Across the last couple of weeks, Aries have been asked several questions Continue reading ## [Brian Henderson’s Retirement Value Scorecard – for the smart and smart advisers.](https://henrytapper.com/2026/08/16/brian-hendersons-retirement-value-scorecard-for-the-smart-and-smart-advisers/) _2026-08-16 · henry tapper · AgeWage: Making your money work as hard as you do_ Yesterday I published Brian Henderson s brilliant thoughts on Value for Money as a way of helping individuals determine for themselves what is their best way forward at retirement. He converts the current VFM assessments to a tool known as Retirement Continue reading ## [Brian Henderson asks whether CDC gives you better VFM than DC – it depends!](https://henrytapper.com/2026/08/15/brian-henderson-asks-whether-cdc-gives-you-better-vfm-than-dc-it-depends/) _2026-08-15 · henry tapper · AgeWage: Making your money work as hard as you do_ You can download the document for yourself from here. Here is Brian s introduction on social media