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Step forward for Gordon & MacPhail's transformation work and takeaway plans for former Elgin High Street bakery

Step forward for Gordon & MacPhail's transformation work and takeaway plans for former Elgin High Street bakery

Welcome to Planning Ahead – our weekly round-up of the latest proposals across Moray.
Sit back and enjoy all of the most interesting planning news of the week.
In this week's edition, work could take place at a Batchen Street shop.
A new pharmacy could be on the way for Elgin town centre.
We look at the latest on the transformation of a former Elgin bakery into a takeaway.
There is also an update on the major makeover taking place at the Gordon & MacPhail building on Elgin's South Street.
But first, we look at the latest regarding plans to breathe new life into a derelict Elgin pub site.
Last month, we revealed how Springfield Properties wanted to build eight new flats on the site of the former Pinegrove Hotel site in Elgin.
The land in the east of the town has been empty for almost six years.
Each apartment will have an open plan kitchen and living area, two large bedrooms and plenty of storage.
Now a neighbour has described the flats proposals as 'excessive'. However, they neither object or support the plans.
They added: 'Also, I am concerned who these flats are to be allocated to.
'I can only hope, if this planning goes ahead, that families or couples are given the opportunity of housing and not young single people.'
In March, Ramsdens opened a new Elgin store at 12 Batchen Street.
The store was previously home to the LCTG hairdressers.
The pawnbroking and jewellery chain opened up the new shop after being made homeless by the closure of the St Giles Shopping Centre.
The firm has had a presence in the town for 10 years.
Now building papers have revealed proposed £30,000 worth of internal alterations to the layout of the shop.
In 2010, Smillie's bakery closed down at 212 Elgin High Street.
The original shop, which faces Elgin High Street, has already been been converted and presently operates as a nail studio.
Meanwhile, the back premises have been under-utilised for storage.
It was used for deliveries of raw materials and packaging until the bakery shut down.
Three years ago, Jennifer and Neil Taylor of Sanus Moor Limited had their plans to transform the storage section into a takeaway refused.
Planning chiefs argued the proposal failed to comply with the local plan requirements.
The Taylors appealed the decision.
However, councillors voted 4-3 on the Moray Local Body Review to uphold the decision.
Last year, plans for the takeaway were approved after they were resubmitted .
Now a building warrant has been approved for the £30,000 worth of work which will include upgrading floors, walls and ceilings.
It is a shell warrant which focuses on the framework of a building before the interior fit-out.
Architectural And Planning's Martin Archibald represented the pair.
A new pharmacy could open in the Elgin town centre.
NHS Grampian has been consulting with Elgin Pharmacy, which is the proposed name of the business, who have applied to open a new pharmacy on the High Street.
The proposed opening hours are Monday to Friday from 8.45am to 5:45pm.
Meanwhile, on Saturdays from 9am to 5pm.
Elgin Pharmacy has defined the community area they would serve as being within the town of Elgin in its entirety.
If the application is approved, the proposed NHS services include unscheduled care, clinical space rental, Naloxone training and supply and much more.
The local health board will assess if the residents feel a new pharmacy is necessary or desirable.
The consultation is currently being run until Wednesday, September 17.
In December 2022, we exclusively revealed Gordon & MacPhail wanted to carry out a multimillion-pound makeover of their South Street shop.
It will incorporate displays, tasting rooms and a liquid library of some of the world's rarest whiskies.
Around three years on, scaffolding is still up on the iconic building.
Now the whisky giants have been given permission to replace the sash and case timber windows as well as gutters and downpipes.
In the meantime, the firm have a new retail shop and whisky tasting rooms at The Courtyard on Newmill Road at the site of Johnstons of Elgin.
Retail manager Fraser Robson previously revealed to councillors on the licensing board that the firm needs the premises for at least 18 months and maybe up to two years.
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How the top tax rate became a middle-class problem
How the top tax rate became a middle-class problem

Times

time09-08-2025

  • Times

How the top tax rate became a middle-class problem

When Gordon Brown's Labour government introduced a new top rate of income tax, fewer than one in every hundred taxpayers had to worry about it. However, the number of workers liable for the additional rate is predicted to surge to 1.7 million by 2030 — more than a seven-fold rise over two decades. The corrosive combination of inflation and frozen tax thresholds means that hundreds of thousands more earners will be dragged into paying the 45p in the pound rate, and will have to grapple with a host of other tax hits that come with it. The additional rate of income tax is 45 per cent on income above £125,140. When introduced in 2010, it was set at 50 per cent on income above £150,000 and about 236,000 people paid it. But HM Revenue & Customs estimates that 1.2 million taxpayers will pay the additional rate this year, and its internal forecasts, seen by Money, show that the taxman expects 1.5 million people to be paying the 45p tax rate by 2028. 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Had the original £150,000 threshold risen with inflation since 2010 it would be £232,000 today. If the present £125,140 threshold had kept pace with inflation since 2023 it would be £132,000 today. 'When the additional rate was introduced, it was meant for the very highest earners. That's clearly no longer the case,' said Katherine Waller, the co-founder of the wealth manager Six Degrees. 'Since then, the threshold has been significantly reduced. The fact the rate itself has fallen is a minimal concession in that broader context. A far greater proportion of the workforce is now captured — far beyond what was originally intended.' • What is a 'comfortable' salary these days? Waller added that many families were still adjusting to a 'new normal' of higher costs and rates. She added: 'In theory, the additional rate should apply to those with significant earnings and the corresponding lifestyle. In that context, a salary of £125,000 doesn't stretch as far as it once did.' Polling by the think tank More In Common found that while overall life satisfaction was highest among those earning more than £100,000 a year — on average they gave their satisfaction 9.1 out of 10 — only 46 per cent said they felt 'very comfortable' financially. Another 46 per cent described themselves as 'relatively comfortable', while 7 per cent said they could cover essentials but had no room for luxuries. Adrian Anderson from the mortgage broker Anderson Harris said: 'The general feeling I get now from clients earning £125,140 a year is that they feel worse off in real terms than they were in 2015. People face higher taxes, higher interest rates and higher basic living expenses, so they have less disposable income.' He said that even very wealthy clients were now thinking twice about stretching their borrowing when it came to housing costs. He added: 'I used to see additional-rate taxpayers sending children to private school, but now it feels like both parents have to earn a six-figure salary to manage school fees and higher mortgage costs.' Once your income passes £125,140, you lose nearly half of any pay rise or bonus. That's because your marginal tax rate, what you pay on any extra £1 earned, is 47 per cent — 45 per cent income tax and 2 per cent national insurance. If you're also repaying a student loan, you typically pay another 9 per cent, bringing your total marginal rate to 56 per cent. At the same time, various forms of government support and tax reliefs disappear above certain income levels. They are mostly gone by the time you become an additional-rate taxpayer. Child benefit, worth £26.05 a week (£1,354.60 a year) for a first child and £17.25 a week (£897 a year) for other children, starts to be lost when one parent earns more than £60,000 a year. You lose it entirely once one parent earns £80,000. 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For every £2 earned above the threshold, you lose £1 of allowance. It's fully withdrawn by £125,140, when you begin paying the highest rate of tax. This gives workers earning between £100,000 and £125,140 a marginal income tax rate of 60 per cent. With 2 per cent national insurance and 9 per cent student loan repayments, the effective marginal rate could be 71 per cent, leaving you just 29p from every extra £1 earned. And that's before you factor in any lost childcare help. Additional-rate taxpayers also get no personal savings allowance, meaning they pay income tax on any interest from savings, unless the money is held in an Isa. Higher-rate payers can earn £500 a year in interest tax-free and basic-rate payers £1,000. The income you can earn each year from dividends before paying tax has also slashed from £2,000 in 2022-23 to £500. 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Labour should atone for its gambling sins
Labour should atone for its gambling sins

Times

time08-08-2025

  • Times

Labour should atone for its gambling sins

It was an indelible stain on New Labour: the beaming culture minister Tessa Jowell placing chips on a roulette table as she announced that the government's solution to urban decay was 40 supercasinos, one in each of our most blighted cities. Liberalising gambling wouldn't just bring investment, jobs and tax revenue, it was fun! Modern, grown-up, free market, vice-is-nice fun — along with newly licensed 24-hour pubs and sexy high-street lap dancing clubs. Those concerned about organised crime, gambling addiction, families in debt or the sheer immorality of rapacious US casino cartels extracting hard-earned wages from the poor of Leeds or Great Yarmouth were, according to the late Jowell, anti-American 'snobs', queasy about Vegas gaudiness, po-faced Puritans. A supercasino, she argued, was no worse for a neighbourhood than a multiplex or a bowling alley. How the roulette wheel spins. Listening to Gordon Brown explain his call to increase taxes on gambling to raise the £3.2 billion required to abolish the two-child benefit cap felt like an atonement, or maybe historical revenge. He wants the filthiest money in all capitalism to be repurposed for the purest ends: removing children from poverty. • Rachel Reeves may raise gambling tax to axe two-child benefit cap The Blairites didn't consult Brown, then chancellor, on their supercasino wheeze, knowing this austere son of the manse would be appalled. Indeed, he sided with the churches and the anti-addiction lobby that fought the number down from 40 to eight and finally just one, mooted for Manchester. Then as soon as Brown became PM, he killed off even that and demoted Jowell. Even so, the 2005 Gambling Act's liberalising force brought £100-a-pop slot machines to every bookies shop, incessant TV betting ads and soaring rates of problem gambling. It also enabled a gazillion supercasinos — it's just that they're all online. It is these that Brown wishes to target hardest by increasing the tax rate paid on 'remote gaming' from 21 per cent to 50 per cent. He and the IPPR think tank, which authored a report, point out that other jurisdictions already impose higher levies: 40 per cent in Austria, 50 per cent in Pennsylvania, 57 per cent in Delaware. Moreover other UK 'sin' taxes on products generating health or social problems are far higher: 80 per cent on tobacco, 70 per cent on Scotch. Problem gambling leads to harms estimated to cost society £7.2 billion — family breakdown, debt, catastrophic mental health problems, suicide — yet betting is even exempt from VAT. Gambling companies prey upon the lonely, bored and desperate, luring solitary people on phones or laptops into squandering savings, Christmas funds or benefits. An online casino does not even involve small talk with a croupier, an online slot machine is just a bunch of pixels and pings. The IPPR proposals are less hard on real-world gambling, which has some social dimension, and will not impose further levies on horse racing, where bets are already taxed higher than on sports like football. • Move defence budget outside fiscal rule, says Gordon Brown Online casino gamblers are, unsurprisingly, six times more likely to become addicts. The top 5 per cent of gamblers generate 86 per cent of profits, and gaming companies allocate them VIP managers, who befriend and groom them into spending more, offering birthday treats or free bets. Lately, as the market for male gamblers has grown saturated, they've targeted women with games like Double Bubble, which use images of soap stars, pastel colours and 'feminised' graphics. Rachel Reeves says she was already reviewing taxes on the online gambling industry before Brown's intervention. Who can blame her, faced with a £40 billion deficit and a furious electorate? A workforce hit by inflation and stagnant wages will not tolerate higher income tax due to the government's own failure to cut a bloated welfare bill and millions spent on migrant hotels. But online gambling companies, almost everyone can agree, are parasites feeding on the vulnerable and sad. Why not tax them to hell? The risk is in killing off a golden goose when so many others have flown abroad. We can be revolted by the amoral antics of the porn star Bonnie Blue et al on OnlyFans but note that this highly successful British start-up pays more corporation tax than Starbucks, eBay and Apple combined. 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The prevailing tough-hearted argument is that struggling working parents with one or two children should not be expected to bail out those who choose to have large families they cannot support themselves. Rather than throwing its few precious gambling chips into the bottomless benefit budget, the government should feed them into Sure Start-style early years interventions or childcare to help parents back into work. Before her death in 2018, Jowell admitted the Gambling Act was among her greatest regrets. Its legacy is evident in the betting logos on every football strip, the young men seduced by free £10 wagers to blow their student loans, in longer queues for food banks. It was a law passed by thoughtless Cavaliers but we live now in Roundhead times.

Harrods axes Gordon Ramsay and Tom Kerridge restaurants
Harrods axes Gordon Ramsay and Tom Kerridge restaurants

Telegraph

time07-08-2025

  • Telegraph

Harrods axes Gordon Ramsay and Tom Kerridge restaurants

Harrods is to end its restaurant partnerships with high-profile chefs Tom Kerridge, Calum Franklin, Gordon Ramsay and Masayoshi Takayama as it shifts away from fine dining. The luxury department store announced Sushi by Masa, Kerridge's Fish and Chips and Calum Franklin's The Georgian restaurants are all due to close by the end of August. Gordon Ramsay Burger, where diners can tuck into an £85 waygu beefburger, will remain open longer and close on Jan 11. Harrods said the changes followed a strategic review of customer preferences and current industry trends, including a rise in people dining earlier in the evening. The 'six is the new eight' trend has been driven by healthier eating habits, as restaurants capitalise on post-work dining by introducing special menus for earlier diners. Data from OpenTable shows that 6pm reservations are up 11 per cent in London and 6 per cent across Britain. The luxury store announced it is planning to invest its own food and beverage concepts with new openings set to launch in the upcoming months. However, it will remain home to several restaurants run in partnership with outside chefs and brands, including Pasta Evangelists and Kinoya Ramen Bar, which was created in Dubai by chef Neha Mishra. The Georgian will continue to serve its afternoon tea and terrace menus after Franklin's departure. Michael Ward, the managing director of Harrods, said: 'As part of Harrods' considered customer approach, we took the decision a number of months ago to review feedback and data to ensure our in-store experience is delivering against customers' evolving preferences. 'Harrods has a rich history of serving the finest food and drink and we are constantly progressing our dining offerings. 'We'd like to thank all the fantastic chefs that we have been very privileged to work with over the last few years for their partnership. 'Together we have served many thousands of diners from shoppers to families and friends celebrating special moments in our restaurants.' Harrods became a restaurant space during the time Ashley Saxton was director of restaurants and kitchens. In 2019, Mr Saxton said about Harrods' shift to restaurants: 'Bags, scarves and accessories used to be the gateway to luxury, but now it's restaurants.' In 2023, the Knightsbridge institution said that its restaurant trade had increased by 44 per cent in four years. Announcing his departure two months ago, Mr Saxton said: 'Together we have taken Harrods from an unknown restaurant entity to the biggest single-site food and beverage operation in Europe'. The store has ended partnerships with high-profile chefs this year. Jason Atherton's Hot Dogs by Three Darlings pop-up finished its run after eight months this spring and Swedish chef restaurant Bjorn Frantzen's Studio Frantzen shut its doors in January after around three years of trading.

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