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The Scottish edition of Your Money Matters is designed for S4 and S5 students aged 14 to 16, though it can also be adapted for use by both younger and older students. It has been produced with support from Education Scotland.

“Those of us have been in education for years, we’ve known this forever — we’ve known about the disparities and the gaps, associated with students of color, mental health, and education, but it was definitely exposed. I think there’s a little window we have to be able to really leverage this moment,” she added. “I keep hearing this discussion about going back to ‘normal,’ and my heart clenches. I don’t want to go back to normal, because normal wasn’t okay for a lot of students of color.”

The notion of dying as a tax benefit seems paradoxical. Normally when someone sells an asset, even a minute before they die, they owe 20% capital gains tax. But at death, that changes. Any capital gains till that moment are not taxed. This allows the ultrarich and their heirs to avoid paying billions in taxes. The “step-up in basis” is widely recognized by experts across the political spectrum as a flaw in the code.
If you have an interesting story then you could try selling it to the papers. It could be anything from sleeping with a professional footballer to getting caught in a clothes horse!
Even when income from mostly passive activities — like renting out your personal possessions — is classified as self-employment income, you can qualify for tax breaks that are likely to drastically cut Uncle Sam’s take. Specifically, self-employed individuals can deduct all the expenses required to earn this income before determining the taxable portion of the revenue. There’s also a special 20% deduction that further reduces the taxable portion of self-employment income, Luscombe says. But you should seek professional tax guidance to determine which rules affect which forms of your revenue. The U.S. tax code is complex and full of land mines.
With the stock market and seemingly every other asset class booming, it can be intimidating to dip your toe into the investing waters if you don’t have any previous experience.
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