John Mac Reform UK

06/09/2026

Had the pleasure of asking Nigel Farage a question at Conference yesterday :)

05/09/2026

Day 2 of Conference, paying my respects to Ann, who I met once.

04/09/2026

Great day at Conference, no stitch ups here 🤔

02/09/2026

Labour changing the Law so they can prosecute Veterans BUT wont change it to deport Foreign Criminals! Right or Wrong?

01/09/2026

Back on the agenda, should we be prosecuting our own troops?

30/08/2026

Working Overtime? How about no Tax? Sound good?

27/08/2026

⚠️ A WARNING FOR ANYONE WITH A PENSION, SAVINGS OR A HOME TO LEAVE TO THEIR FAMILY

From 6 April 2027, most unused pension funds will be brought into your estate when calculating Inheritance Tax.

That means families who have spent a lifetime working, saving, paying into pensions and building up a home could face a much bigger tax bill when a loved one dies.

HMRC itself estimates that around:

➡️ 10,500 more estates could become liable for Inheritance Tax
➡️ 38,500 estates could pay more
➡️ The average extra bill for affected estates could be around £34,000

For some families, the increase could be far higher.

A simple example:

🏠 Home worth £500,000
💷 Remaining pension worth £500,000

Depending on the circumstances and available allowances, bringing that pension into the estate could potentially create an Inheritance Tax bill of around £200,000.

Of course, not every family will pay that. Married couples and civil partners may be able to transfer unused allowances, and individual circumstances vary.

But the principle is what concerns me.

You work all your life.

You pay tax on your earnings.

You save instead of spending everything.

You build up a pension.

You try to buy your own home.

And you hope that whatever is left can help your children and grandchildren.

Then the rules change, and HMRC takes another sizeable slice after your death.

There is another problem too: simply withdrawing your pension early is not necessarily the answer. Once withdrawn, the money may still form part of your estate, and pension withdrawals can also create an Income Tax bill.

So people are being forced to rethink financial plans they may have followed for decades.

Saving responsibly should be encouraged, not punished.

If you have a significant pension, property or savings, this is something worth taking proper regulated financial or estate-planning advice on well before April 2027.

You earned it. You saved it. Why shouldn’t your family benefit from what’s left?

26/08/2026

Remember this from almost three years ago?

We were told they could “really hit the ground running” with Billingham Town Centre.

Well, nearly three years later, not a single spade has gone into the ground.

I now have it on very good authority that SBC and Evolve have failed to agree a deal — and that Billingham Town Centre is set to be put up for sale again next month.

If confirmed, it means Billingham is effectively back to square one.

Billingham deserves better than announcements, promises and years of delay.

Councillor Nigel Cooke said they could 'hit the ground running', while Tees Valley mayor Ben Houchen said they needed to get 'spades in the ground'

24/08/2026

Labour lecture everyone else on women’s rights — while their own Home Office is issuing asylum seekers guidance on r**e, consent and the fact that children cannot consent to s*x. Who would you trust?