Search results for "isa"
138 results found
Business
BP Annual Results: Profits Boosted by Iran War Oil Spike Despite Climate Pledge Tensions
The oil major reported substantially higher returns in the conflict period but faces growing investor pressure…
Finance
Bank of England Holds Rates at 4.5% as Iran War Reverses Cut Timeline
The Monetary Policy Committee paused its easing cycle after the oil shock pushed inflation back above comforta…
Technology
Apple Rolls Out Age Checks for UK iPhone Users Under Online Safety Act
iOS 26.4 introduces mandatory age verification for new device setup, making the UK one of the first countries …
Analysis
Analysis: What Does the Iran Ceasefire Mean for Global Oil Markets?
The announcement of a ceasefire between the US and Iran paused the worst of the energy crisis, but fundamental…
Analysis
Analysis: Can the Greens Become a Permanent Third Force in British Politics?
Zack Polanski's party is polling at record levels, but converting protest votes into lasting institutional pre…
Analysis
Analysis: Britain's Housing Crisis — Why Supply Alone Won't Fix It
The planning system reforms are necessary but insufficient; the deeper problems are financial, demographic and…
Politics
Starmer's Approval Rating Hits New Low as Voters Question Economic Direction
The Prime Minister's net approval falls to its lowest since taking office, with economic confidence the main d…
Analysis
The Industrial Revolution: How Britain Changed the World Forever
Between 1760 and 1850 Britain underwent the most dramatic economic transformation in human history. Here is ho…
Finance
ISA Allowance 2026-27: Full Guide to Tax-Free Savings and Investing
The annual ISA allowance remains at 20,000 pounds. Here is how to use it effectively for savings, investing or…
Finance
How to Start Investing in the UK: A Complete Beginner's Guide for 2025
With inflation eroding savings, more Britons are turning to investing for the first time. National Herald's de…
Analysis
Artificial Intelligence and the Future of British Work
AI will transform the labour market — but history suggests the transition will be managed, not catastrophic.…
Technology
Best AI Tools for UK Workers and Businesses in 2026: What Actually Works
AI tools are everywhere but most underdelivers on their promises. Here is National Herald's honest guide to wh…
Politics
Keir Starmer's First 100 Days: A Comprehensive Assessment of Labour's Record
From economic inheritance to foreign policy, we examine what the government has achieved and where it has fall…
Politics
Labour Government Record 2026: What Has Keir Starmer Actually Delivered?
Two years into the Labour government, National Herald takes stock of what has been delivered and where the dis…
Economy
How to Save Money on Your Supermarket Shop in 2025 — Expert Tips
Food prices remain significantly higher than before 2021. National Herald's practical guide to reducing your g…
Finance
Best UK Savings Accounts 2026: Where to Put Your Money Right Now
With the Bank Rate still above 3.5%, UK savers are earning more than they have in 15 years. National Herald co…
UK News
How to Make Your UK Home More Energy Efficient — Government Grants and DIY Fixes
Grants of up to £7,500 are available for UK homeowners to improve energy efficiency. National Herald's guide t…
Business
Channel 4: Government Confirms Broadcaster Will Remain in Public Ownership
Ministers dropped plans to privatise Channel 4 that had been advanced by the previous government, confirming i…
Finance
Buy Now Pay Later Regulation Takes Effect as FCA Clamps Down on Consumer Credit
New Financial Conduct Authority rules require affordability checks and clearer disclosure for the deferred pay…
History
Britain's Railways: How the Iron Road Transformed a Nation 1825-1900
From Stephenson's Rocket to the great Victorian termini, the railway age transformed how Britons travelled, th…
Analysis
The British Monarchy: A Complete History from William the Conqueror to King Charles III
Almost a thousand years of kings and queens, revolution and restoration, abdication and renewal — the complete…
Economy
Cost of Living 2026: How UK Household Budgets Have Changed in the Past Year
Real wages are rising and inflation is near target, but the cumulative damage of four years of elevated prices…
Business
Britain's Startup Ecosystem: How London Competes Globally
London remains Europe's leading startup hub — but competition from Amsterdam, Berlin and emerging Asian cities…
UK News
Britain's Water Companies: How Did It Come to This?
Record sewage spills, collapsing infrastructure, and enormous executive pay. The case for reform of England's …
Environment
Britain's Water Hosepipe Bans: What to Expect in Summer 2025
With groundwater levels below average and reservoirs at 70% capacity, water restrictions may return this summe…
UK News
Britain's Hidden Gambling Addiction: The Crisis Behind Closed Doors
An estimated 2.5 million Britons are problem gamblers. National Herald investigates the scale of the crisis an…
Analysis
Child Poverty in Britain: The Shocking Scale and the Policies That Could Change It
4.3 million children in the UK are living in poverty. National Herald examines the data, the causes, and the p…
Finance
Council Tax Bills Cross £2,400 Average After Full 5 Percent Rises
Households across England face their highest council tax bills in history as authorities applied the maximum p…
Economy
Food Bank Demand Remains Double Pre-Pandemic Levels Despite Easing Inflation
The Trussell Trust reported continued high demand at its network of food banks, with the Iran war energy shock…
Finance
Cost of Living Update: April 2026 Changes That Will Affect Your Household Budget
A comprehensive guide to the changes in bills, benefits and wages that took effect from April 2026 and how the…
Environment
England's Ancient Woodlands Under Threat From Development Pressure, RSPB Warns
Conservation organisations say the cumulative impact of infrastructure projects, housing development and invas…
UK News
Everything You Need to Know About the UK Driving Licence Changes in 2025
New rules covering electric vehicles, medical declarations, and provisional licences come into effect this yea…
Technology
Cybersecurity: The Threat Britain Is Not Ready For
Nation-state cyber attacks on UK infrastructure have increased fourfold in three years. The country's defences…
Technology
Cybersecurity in 2025: The Threats Every Business Must Understand
Ransomware, state-sponsored attacks and AI-enhanced phishing are creating an unprecedented threat landscape fo…
Politics
Devolution in England: What the New Mayors Are Actually Doing
England now has more directly elected mayors than at any point in its history. We examine what powers they act…
Technology
Electric Cars in the UK 2025: The Best Models, Charging Costs and Is It Worth Switching?
With ZEV mandates and falling prices, 2025 may be the year to go electric. National Herald's comprehensive gui…
Finance
FTSE 100 Dividend Stocks: The Best Income Investments for UK Investors in 2025
With yields of 4–7% available from blue-chip UK companies, dividend investing has rarely been more compelling.…
Politics
The History of British Democracy: From Magna Carta to Modern Parliament
Britain invented parliamentary democracy — then spent centuries arguing about who it was actually for. The ful…
Politics
How Rishi Sunak's Legacy Is Being Judged One Year On
One year after the historic Conservative election defeat, National Herald assesses Rishi Sunak's record, legac…
Technology
How Artificial Intelligence Is Already Changing UK Jobs — The Evidence
Beyond the speculation, National Herald examines the real evidence of how AI is changing work in British compa…
Business
How to Start a Business in the UK 2026: Complete Step-by-Step Guide
Starting a business in the UK requires getting the legal and tax foundations right. This guide covers every st…
UK News
Grenfell Tower Inquiry Phase 2: Prosecution Decisions Expected in 2026
The Metropolitan Police and CPS are weighing potential charges following the inquiry's findings of systemic fa…
Analysis
A Complete History of Britain: From Roman Conquest to the Modern Nation
How one small island became the world's most influential nation — and what that history means for Britain toda…
Analysis
The History of the English Language: From Anglo-Saxon to Global Tongue
How a dialect spoken by a few thousand Germanic settlers became the world's lingua franca — and what that hist…
Analysis
The British Working Class: A History of Labour, Struggle and Solidarity
The story of how ordinary British workers organised, fought, and gradually transformed the conditions of their…
Education
GCSE and A-Level Reform 2025: Everything Students and Parents Need to Know
The most significant changes to GCSE and A-level qualifications in a decade are being implemented. National He…
Finance
How to Invest in Index Funds: A Beginner's Complete Guide for UK Investors
Index fund investing is the most powerful wealth-building strategy available to ordinary savers — here is ever…
Analysis
The British Empire: Rise, Rule and Legacy — A Complete History
At its peak the British Empire covered 24 per cent of the earth. How it was built, how it was lost, and why it…
Analysis
Has Austerity Actually Ended? A Forensic Look at UK Public Spending
The government says austerity is over. The numbers tell a more complicated story. National Herald's forensic e…
Economy
How Brexit Has Really Changed UK Food and Drink Four Years On
Four years after the Brexit transition ended, National Herald examines the measurable impact on what Britons e…
Analysis
The History of London: From Roman Londinium to Global Megacity
Two thousand years of one city: how a Roman river crossing became the capital of an empire, survived plague an…
Business
How the National Living Wage Rise Is Affecting Small UK Businesses
The National Living Wage increased to £12.21 per hour in April 2025. National Herald examines the real-world i…
Finance
How to Get on the Property Ladder in 2025 With a Small Deposit
Getting on the property ladder with a 5% or 10% deposit is hard but not impossible. National Herald's guide to…
Politics
How Much Do MPs Actually Earn? Salaries, Expenses and Outside Interests
MPs' salaries, expenses, and second incomes remain controversial. National Herald's transparent guide to what …
Technology
Is the UK Tech Sector in Trouble? Inside the London Tech Slowdown
After years of explosive growth, London's tech sector is experiencing a reset. National Herald examines what's…
Analysis
Is Working From Home Killing City Centres? The Evidence After Five Years
Five years after the pandemic transformed working patterns, National Herald examines the long-term consequence…
UK News
Northern Ireland: Post-Brexit Trade Flows Show Windsor Framework Bedding In
Data from HMRC and Northern Ireland Statistics and Research Agency shows trade patterns adjusting to the post-…
Politics
Nigel Farage and Reform UK: Can the Party Win a General Election?
Reform UK has defied predictions before. National Herald examines whether 2029 could be its moment — and what …
Analysis
Media, Trust and Democracy: Britain's Information Crisis
Public trust in news media, political institutions and expert opinion has never been lower. The consequences f…
Health
Mental Health in the Workplace: What British Employers Must Do Better
One in four UK adults experiences a mental health problem each year. The workplace can either be part of the p…
UK News
Waiting Times on the NHS: The Full Picture Behind the Statistics
Seven million people on NHS waiting lists. But the headline number misses the real story. National Herald exam…
Health
NHS Staff Accept 5.5% Pay Deal Ending Threat of Summer Strike Action
Nurses, paramedics and other NHS staff vote to accept the offer, which the government says is the highest real…
Politics
Reform UK Consolidates Council Presence with Gains in May By-Elections
Three council by-election victories in a single week represent a significant milestone for a party that had no…
Finance
Personal Finance in 2025: A Complete Guide to Building Wealth in the UK
From ISAs and pensions to property and equities — a comprehensive guide to growing your money in today's envir…
UK News
Record Numbers of British People Are Leaving for Abroad — Where Are They Going?
Net emigration from the UK by British citizens has reached a fifteen-year high. National Herald investigates t…
Politics
Reform UK Policies 2026: What They Stand For and Can They Win Power
Reform topped some 2025 polls and won 89 council seats. Can they build a credible governing proposition?…
History
Roman Britain: How Rome Ruled Britannia for Nearly 400 Years
From Julius Caesar's first landings in 55 BC to the withdrawal of the legions in 410 AD, Rome left an indelibl…
UK News
What the 2026 Spring Budget Means for Every UK Household
The 2026 Spring Budget is here. We break down every change to taxes, benefits, and public spending — and what …
Politics
Scotland's New Independence Strategy: What Happened After the 2024 Election
The SNP's disappointing 2024 result forced a rethink of independence strategy. National Herald examines where …
History
Stonehenge: Britain's Greatest Prehistoric Mystery and What We Now Know
For 4,500 years Stonehenge has stood on Salisbury Plain. Modern archaeology has transformed our understanding …
Education
Teachers' Pay Award Confirmed at 4% for 2026/27 as Unions Warn of Retention Crisis
The below-inflation settlement for English schools is accepted by some unions but condemned by others as inade…
History
The Black Death in Britain: How the Plague of 1348 Killed Half the Population
Arriving at the port of Melcombe Regis in June 1348, the bubonic plague swept through England, Wales and Scotl…
History
The British Empire: Rise, Reach and the Reckoning With Its Legacy
At its peak in 1920, the British Empire covered a quarter of the world's land surface and governed a quarter o…
History
The British Trade Union Movement: From Tolpuddle to the General Strike
The history of British trade unionism — from the transportation of six Dorset farm labourers in 1834 to the ni…
History
The Duke of Wellington: Soldier, Politician and the Man Who Beat Napoleon
Arthur Wellesley, 1st Duke of Wellington, was Britain's greatest military commander and a controversial politi…
History
The Great Fire of London 1666: How the Capital Burned and Was Reborn
Over four days in September 1666, fire destroyed 13,200 houses and 87 churches — and gave Christopher Wren the…
History
The Industrial Revolution: How Britain Transformed the World Between 1760 and 1840
From the spinning jenny to the steam engine, Britain's factories and mines reshaped human civilisation — and c…
History
The Loss of the Mary Rose: Tudor England's Greatest Naval Disaster
In July 1545, one of Henry VIII's favourite warships sank before his eyes in the Solent — and lay on the seabe…
History
The Norman Conquest of 1066: How William the Conqueror Transformed England Forever
The Battle of Hastings on 14 October 1066 ended Anglo-Saxon England and gave birth to a new nation shaped by N…
History
The Peasants' Revolt of 1381: England's First Great Popular Uprising
Led by Wat Tyler and inspired by the radical priest John Ball, the Peasants' Revolt challenged the entire soci…
History
The Reformation in England: How Henry VIII and Thomas Cromwell Changed Religion Forever
The English Reformation was less about theology than about power — but its consequences for faith, culture and…
History
The Second World War: Britain Alone, the Blitz and Churchill's Finest Hour
Between 1939 and 1945 Britain fought the most existential conflict in its history — standing alone against Naz…
History
The Slave Trade and Abolition: Britain's Darkest Commerce and Its End
For over 200 years Britain was the world's leading slave trader; understanding the movement that ended it is e…
Technology
Government Unveils AI Regulation Framework as Tech Firms Warn of Brain Drain
The framework creates binding rules for the highest-risk AI applications while preserving regulatory flexibili…
Finance
The Best ISA Rates in 2025 and How to Make the Most of Your Allowance
With the annual ISA allowance of £20,000 and rates at multi-year highs, this is the guide to making the most o…
Health
The NHS App Revolution: How Digital Healthcare Is Transforming Your Doctor's Surgery
The NHS app now has 33 million registered users. National Herald examines how digital tools are changing the G…
World
The UK-US Trade Deal: What Britain Stands to Gain — and Lose
Negotiations on a UK-US trade deal have intensified. National Herald examines what Britain would gain, what it…
UK News
The UK's Food Bank Explosion: How 3,000 Emergency Food Services Changed Britain
Britain now has more food banks than McDonald's restaurants. National Herald traces the rise of emergency food…
Analysis
The Social Care Crisis: Why Fixing It Is the Defining Challenge of the Next Parliament
Social care is broken in ways that are measurably harming people. National Herald's analysis of what genuine r…
Business
The Great British Manufacturing Revival: Which Industries Are Leading It
Against the narrative of deindustrialisation, several British manufacturing sectors are growing strongly. Nati…
Economy
The UK's Fastest Growing Cities in 2025 and What's Driving Them
While London dominates, several regional cities are growing faster than the capital. National Herald maps the …
UK News
The UK Benefits System in 2025: What You're Entitled to and How to Claim
Billions of pounds of benefits go unclaimed each year because people do not know they are entitled to them. Na…
Finance
The Complete Guide to Working Tax Credit and Child Tax Credit in 2025
Legacy tax credits are being replaced by Universal Credit, but millions still receive them. National Herald ex…
Economy
The UK's Fastest-Growing Careers and How to Retrain for Them
Some sectors are experiencing chronic skill shortages while others contract. National Herald maps the fastest-…
Education
The UK Private School VAT: What It Means for Families and the State Sector
The removal of VAT exemption from private school fees is reshaping the education landscape. National Herald ex…
Business
The UK Postal Service Crisis: Why Royal Mail Is Struggling and What Comes Next
Royal Mail deliveries have declined as letter volumes collapse. National Herald examines the company's struggl…
UK News
The State of British Roads: Why Potholes Are Getting Worse and What Councils Can Do
Britain's roads are deteriorating faster than they can be repaired. National Herald examines why the pothole c…
Economy
The True Cost of Rail Travel in Britain vs Europe — and Why We Pay More
A London to Manchester standard class ticket can cost three times the equivalent journey in France or Germany.…
Finance
The Bank of England's Most Difficult Decision in a Decade
With inflation falling but growth stalling, the Monetary Policy Committee faces a dilemma with no good answer.…
Economy
The Real Reason Britain Has a Housing Shortage — and Why It Won't Be Fixed Quickly
Britain needs 4 million new homes over the next decade. Building them faces obstacles that go far beyond plann…
Analysis
The Future of British Universities: Rankings, Revenue and Reform
UK higher education punches above its weight globally — but financial pressures, demographic changes and quest…
Technology
The UK Cyber Security Threat: Which Businesses Are Most at Risk in 2025
UK businesses reported record cyber attack attempts in 2024. National Herald examines which sectors face the g…
Finance
The Truth About Buy Now Pay Later: What UK Consumers Need to Know
Buy Now Pay Later services are used by millions of Britons, but new regulations are coming. Here is what the r…
Analysis
The AI Revolution and Britain's Place in It
Artificial intelligence will reshape every sector of the economy. Is the UK positioned to lead, follow, or be …
Economy
The Cost of Living: Where Are We Now?
Two years after the crisis peak, household finances are recovering — but the gains are deeply uneven.…
UK News
The Complete Guide to Council Tax Reductions and Who Qualifies
Millions of people are entitled to council tax reductions they are not claiming. National Herald's guide to di…
Technology
The UK Electric Vehicle Charging Network: Is It Good Enough?
Britain's public charging network has grown rapidly, but coverage remains patchy. National Herald's regional a…
UK News
The UK's Best Free Things to Do This Summer — A Region-by-Region Guide
With household budgets stretched, National Herald compiles the best free events, parks, museums, and activitie…
Analysis
The Geopolitics of 2025: Five Forces Reshaping the World Order
From the US-China rivalry to the war in Ukraine, the international order is being remade. Britain must navigat…
Analysis
The UK Arts and Culture Funding Crisis: Which Organisations Are Closing
Arts Council England's funding decisions have closed theatres, galleries, and arts organisations across the co…
Technology
The AI Revolution: How Artificial Intelligence Is Changing Every Industry
From healthcare to finance, logistics to education — artificial intelligence is transforming how work gets don…
Opinion
The BBC Is Worth Saving. Here Is Why It Needs to Change First.
The case for public broadcasting is stronger than ever. But the BBC's current form is holding back the argumen…
Finance
The Bank of England's Rate Decision: What Every Investor Needs to Know
With inflation finally returning to target, the pace of rate cuts will define investment returns across every …
Finance
The FTSE 250: Britain's Hidden Gems for Long-Term Investors
While the FTSE 100 gets all the attention, the FTSE 250 has consistently outperformed over long periods — and …
UK News
The Best Cheap UK Holiday Destinations for 2025 — Better Than Going Abroad
With overseas travel costs rising, the UK's own holiday destinations offer remarkable value. National Herald's…
Business
The Great British Startup: Why Founders Are Choosing to Stay
For the first time in a generation, more UK technology founders are building their companies at home than relo…
Health
The NHS Dentistry Crisis: Why Millions of Britons Cannot Get NHS Dental Care
An estimated 10 million people in England are unable to access NHS dental care. National Herald investigates t…
Education
The Complete Parent's Guide to UK Schools: Ofsted, SATs and Getting the Best Education
Navigating the UK school system can be bewildering. National Herald's comprehensive guide for parents — from s…
Analysis
The UK's Ageing Population Crisis: Preparing for a Society With More Old People Than Young
By 2040, one in four Britons will be over 65. National Herald examines what this demographic shift means for p…
Analysis
The Full Story Behind Britain's Record Net Migration — What the Numbers Actually Mean
Record net migration headlines obscure a complex picture. National Herald's forensic breakdown of who is comin…
UK News
UK Benefits System 2026: A Complete Guide to What You're Entitled To
From Universal Credit to Child Benefit, Carer's Allowance to Personal Independence Payment — National Herald's…
UK News
18 Practical Ways to Cut Your Cost of Living in the UK in 2026
Bills are still higher than before the crisis. Here are 18 genuinely effective ways to cut your cost of living…
Economy
UK Inflation Update: Is the Cost of Living Crisis Truly Over?
Headline inflation has returned to near target, but the cost of living crisis has left permanent marks on hous…
Politics
UK Immigration Policy 2026: What Has Actually Changed and What Hasn't
Net migration remains high despite promises to reduce it. National Herald examines the immigration policy chan…
Finance
UK Interest Rate Decision: What the Bank of England's Move Means for You
The Bank of England's latest rate decision affects mortgages, savings, and the wider economy. National Herald …
Education
Half of England's Schools Now Rated Good or Outstanding After Ofsted Reform
The headline figures mask significant variation by region, school type, and socioeconomic deprivation — the sc…
Finance
UK Property Market 2025: Buy, Sell or Hold?
After two years of price correction, the UK housing market is showing signs of stabilisation — but regional di…
Finance
UK Personal Tax Allowances and Thresholds 2026-27: Everything You Need to Know
The personal allowance stays frozen at £12,570 for 2026-27. National Herald sets out all the income tax thresh…
Finance
State Pension Age Increases: When Will You Get Yours and What Changes Are Coming
The state pension age is 66 now, rising to 67 between 2026 and 2028. National Herald explains who is affected,…
Education
UK Student Loan Repayment: The New Rules and What Graduates Owe
The student loan system was overhauled in 2023 with higher thresholds and longer terms. National Herald explai…
UK News
UK Visa Types 2026: A Complete Guide to Coming to Britain
From skilled worker visas to student visas, family visas to the Graduate route — National Herald's complete gu…
Economy
Why Britain's Housing Crisis Is an Economic Emergency, Not Just a Social One
The failure to build enough homes is costing the UK economy £50 billion per year in lost productivity and misa…
UK News
Universal Credit Changes 2025: The Updates Every Claimant Must Know
The DWP has announced several changes to Universal Credit this year. Here is what every current and potential …
Business
Why London's Luxury Property Market Is Attracting Global Investors Again
After two years of price falls, prime London property is attracting renewed international interest. National H…
Health
Vaping and Teen Health: What UK Parents Really Need to Know in 2025
Teen vaping rates have reached alarming levels in the UK. National Herald examines the health evidence and wha…
Health
Understanding Your NHS Rights: What You're Entitled to as a Patient in England
Most NHS patients do not know their full rights. National Herald's guide to what you are legally entitled to —…
Business
What Really Happened to Britain's High Streets — A Ten-Year Post-Mortem
National Herald's definitive account of how the British high street transformed over the past decade, what was…
Analysis
Why Are British Workers the Most Stressed in Europe? The Evidence
British workers report among the highest rates of workplace stress in Europe. National Herald examines the cau…