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All accounted for: the case for an ‘all-worker’ earnings measure

9 July 2014
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All accounted for: the case for an ‘all-worker’ earnings measure

Date: 9 July 2014
Author: Laura Gardiner

The measures that we use to track earnings miss out the one in seven workers who is self-employed. Given continually rising self-employment and our knowledge that their earnings have taken a big hit in recent years, this briefing estimates what our most regular measure of earnings would look like with the self-employed included.

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Mortgaged Future

19 May 2014
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Mortgaged Future, Modelling household debt affordability and access to re-financing as interest rates rise

Date: 20 May 2014
Author: Matthew Whittaker

One in ten of today's mortgagors risk being imprisoned by borrowing deals which are likely to make their repayments unaffordable as interest rates rise over the next four years. Around 770,000 households are both at risk of being 'mortgage prisoners' due to a limited ability to switch to better mortgage deals and therefore insulate themselves against future rate rises, and at risk of being 'highly geared' where monthly mortgage repayments are eating up at least one third of their disposable income by 2018. 

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Just the job or a working compromise

5 May 2014
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Just the Job or a Working Compromise? The changing nature of self-employment

Date: 6 May 2014
Author: Conor D'Arcy and Laura Gardiner

The most in-depth picture yet of the UK’s growing self-employed workforce and how it is changing. Our analysis of national datasets and a new survey of just under 1,000 self-employed people suggests that there is strong evidence of a significant structural element alongside an important cyclical component contributing to recent self-employment growth. Alongside what this means for the economy, we have looked at how self-employed people are faring financially. 

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Zero-Hours Contracts, the latest figures and analysis

Date: 30 April 2014
Author: Laura Gardiner

An update of our zero-hours contracts analysis using data from the last quarter of 2013. Looking at the prevalence of ZHCs, the labour market experience of ZHC workers and pay differentials between ZHC and non-ZHC workers.

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Zeroing In

24 March 2014
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Zeroing In

Date: 25 March 2014
Author: Vidhya Alakeson and Conor D'Arcy

There is still uncertainty over the number of workers employed on zero-hour contracts with official estimates being revised upwards to around 600,000 while other studies have put the figures as high as 1 million.  In many cases workers have not realised they are employed on zero-hours contracts until their hours have been changed. The use of zero hours contracts should be reformed to ensure that flexibility can be maintained and workers' rights strengthened to help eradicate misuse.

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Have we lost our bouncebackability?

21 March 2014
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Have we lost our bouncebackability?

Date: 21 March 2014
Author: Matthew Whittaker

In the light of latest OBR forecasts and the 2014 Budget, this paper considers where anticipated growth can come from. In the absence of widely-shared wage growth, can the UK economy grow above trend without a surge in credit? Or, must we resign ourselves to a period of subdued recovery?

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Analysing the impact of increasing the personal tax allowance to £10,500 in 2015

Date: 18 March 2014
Author: Alex Hurrell

Before this year's Budget, Resolution Foundation analyses the impact of increasing the personal tax allowance to £10,500 in 2015.

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More than a Minimum (annex)

14 March 2014
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More than a minimum: The review of the minimum wage - Final report

Date: 12 March 2014
Author: James Plunkett , Alex Hurrell and Conor D'Arcy

It is time to reform the UK minimum wage and the supporting architecture of the Low Pay Commission. The original settlement served the policy well in its first 15 years, but this approach should now be strengthened to reflect new economic and political times.

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Minimum Wage Act II

21 February 2014
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Minimum Wage Act II

Date: 21 February 2014
Author: James Plunkett , Conor D'Arcy and Tony Wilson

The national minimum wage is no longer strong enough to tackle the country’s low pay problem and the policy will need to be reformed if it is to repeat the successes of its first 15 years.

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The State of Living Standards

10 February 2014
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The State of Living Standards

Date: 11 February 2014
Author: James Plunkett , Alex Hurrell and Matthew Whittaker

Household incomes are set to start rising again in 2015 after six years of decline according to the Resolution Foundation. The findings come in a detailed and authoritative assessment of the state of Britain’s living standards.

However, the report from the independent think tank also finds that growth in disposable income for the typical household is likely to be modest, barely positive in 2015-16 and less than one per cent a year for each of the following three years.

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