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Logically.AI Of Britain And The Expanding Global Reach Of Censorship

Logically.AI Of Britain And The Expanding Global Reach Of Censorship

Authored by Lee Fang via RealClear Wire,

Brian Murphy, a former FBI…

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Logically.AI Of Britain And The Expanding Global Reach Of Censorship

Authored by Lee Fang via RealClear Wire,

Brian Murphy, a former FBI agent who once led the intelligence wing of the Department of Homeland Security, reflected last summer on the failures of the Disinformation Governance Board – the panel formed to actively police misinformation. The board, which was proposed in April 2022 after he left DHS, was quickly shelved by the Biden administration in a few short months in the face of criticism that it would be an Orwellian state-sponsored "Ministry of Truth."

In a July podcast, Murphy said the threat of state-sponsored disinformation meant the executive branch has an “ethical responsibility” to rein in the social media companies. American citizens, he said, must give up "some of your freedoms that you need and deserve so that you get security back."

The legal problems and public backlash to the Disinformation Governance Board also demonstrated to him that "the government has a major role to play, but they cannot be out in front.”

Murphy, who made headlines late in the Trump administration for improperly building dossiers on journalists, has spent the last few years trying to help the government find ways to suppress and censor speech it doesn’t like without being so “out in front” that it runs afoul of the Constitution. He has proposed that law enforcement and intelligence agencies formalize the process of sharing tips with private sector actors – a “hybrid constellation” including the press, academia, researchers, non-partisan organizations, and social media companies – to dismantle “misinformation” campaigns before they take hold.

More recently, Murphy has worked to make his vision of countering misinformation a reality by joining a United Kingdom-based tech firm, Logically.AI, whose eponymous product identifies and removes content from social media. Since joining the firm, Murphy has met with military and other government officials in the U.S., many of whom have gone on to contract or pilot Logically’s platform.

Logically says it uses artificial intelligence to keep tabs on over one million conversations. It also maintains a public-facing editorial team that produces viral content and liaisons with the traditional news media. It differs from other players in this industry by actively deploying what they call “countermeasures” to dispute or remove problematic content from social media platforms.

 The business is even experimenting with natural language models, according to one corporate disclosure, “to generate effective counter speech outputs that can be leveraged to deliver novel solutions for content moderation and fact-checking.” In other words, artificial intelligence-powered bots that produce, in real-time, original arguments to dispute content labeled as misinformation.

In many respects, Logically is fulfilling the role Murphy has articulated for a vast public-private partnership to shape social media content decisions. Its technology has already become a key player in a much larger movement that seeks to clamp down on what the government and others deem misinformation or disinformation. A raft of developing evidence – including the Twitter Files, the Moderna Reports, the proposed Government Disinformation Panel, and other reports – has shown how governments and industry are determined to monitor, delegitimize, and sometimes censor protected speech. The story of Logically.AI illustrates how sophisticated this effort has become and its global reach. The use of its technology in Britain and Canada raises red flags as it seeks a stronger foothold in the United States.

Logically was founded in 2017 by a then-22-year-old British entrepreneur named Lyric Jain, who was inspired to form the company to combat what he believed were the lies that pushed the U.K. into voting in favor of Brexit, or leaving the European Union. The once-minor startup now has broad contracts across Europe and India, and has worked closely with Microsoft, Google, PwC, TikTok, and other major firms. Meta contracts with Logically to help the company fact-check content on all of its platforms: WhatsApp, Instagram, and Facebook.

The close ties to Silicon Valley provide unusual reach. “When Logically rates a piece of content as false, Facebook will significantly reduce its distribution so that fewer people see it, apply a warning label to let people know that the content has been rated false, and notify people who try to share it,” Meta and Logically announced in a 2021 press release on the partnership.

Meta and Logically did not respond to repeated requests for comment.

 During the 2021 local elections in the U.K., Logically monitored up to “one million pieces of harmful content,” some of which they relayed to government officials, according to a document reviewed by RealClearInvestigations. The firm claimed to spot coordinated activity to manipulate narratives around the election, information they reported to tech giants for takedowns.

The following year, the state of Oregon negotiated with Logically for a wide-ranging effort to monitor campaign-related content during the 2022 midterm elections. In a redacted proposal for the project, Logically noted that it would check claims against its “single source of truth database,” which relied on government data, and would also crack down on “malinformation” – a term of art that refers to accurate information that fuels dangerous narratives. The firm similarly sold Oregon on its ability to pressure social media platforms for content removal.

Oregon State Rep. Ed Diehl has a led push against the state from renewing its work with Logically for the election this year. The company, he said in an interview, violates "our constitutional rights to free speech and privacy" by "flagging true information as false, claiming legitimate dissent is a threat, and then promoting "counter-narratives" against valid forms of public debate.

In response, the Oregon Secretary of State’s office, which initiated the contract with Logically, claimed “no authority, ability, or desire to censor speech.” Diehl disputes this. He pointed out that the original proposal with Logically clearly states that its service “enables the opportunity for unlimited takedown attempts” of alleged misinformation content and the ability for the Oregon Secretary of State’s office to “flag for removal” any “problematic narratives and content.” The contract document touts Logically as a “trusted entity within the social media community” that gives it “preferred status that enables us to support our client’s needs at a moment’s notice.”

Diehl, who shared a copy of the Logically contract with RCI, called the issue a vital “civil rights” fight, and noted that in an ironic twist, the state’s anti-misinformation speech suppression work further inflames distrust in “election systems and government institutions in general.”

Logically’s reach into the U.S. market is quickly growing. The company has piloted programs for the Chicago Police Department to use artificial intelligence to analyze local rap music and deploy predictions on violence in the community, according to a confidential proposal obtained by RCI. Pentagon records show that the firm is a subcontractor to a program run by the U.S. Army’s elite Special Operations Command for work conducted in 2022 and 2023. Via funding from DHS, Logically also conducts research on gamer culture and radicalization.

The company has claimed in its ethics statements that it will not employ any person who holds “a salaried or prominent position” in government. But records show closely entrenched state influence. For instance, Kevin Gross, a director the U.S Navy NAVAIR division, was previously embedded within Logically's team during a 2022 fellowship program. The exchange program supported Logically’s efforts to assist NATO on the analysis of Russian social media.

Other contracts in the U.S. may be shrouded in secrecy. Logically partners with ThunderCat Technologies, a contracting firm that assists tech companies when competing for government work. Such arrangements have helped tech giants conceal secretive work in the past. Google previously attempted to hide its artificial intelligence drone-targeting contracts with the Defense Department through a similar third party contracting vendor.

But questions swirl over the methods and reach of the firm as it entrenches itself into American life, especially as Logically angles to play a prominent role in the 2024 presidential election. 

Pandemic Policing

In March 2020, as Britain confronted the spread of COVID-19, the government convened a new task force, the Counter Disinformation Unit (CDU). The secretive task force was created with little fanfare, but was advertised as a public health measure to protect against dangerous misinformation. Caroline Dinenage, the member of parliament overseeing media issues, later explained that the unit’s purpose was to provide authoritative sources of information and to “take action to remove misinformation” relating to “misleading narratives related to COVID-19.”

The CDU, it later emerged, had largely outsourced its work to private contractors such as Logically. In January 2021, the company received its first contract from the agency overseeing the CDU, for £400,000, to monitor ”potentially harmful disinformation online.” The contracts later swelled, with the U.K. agency that pertains to media issues eventually providing contracts with a combined value of £1.2 million and the Department of Health providing another £1.3 million, for a total of roughly $3.2 million.

That money went into far-reaching surveillance that monitored journalists, activists, and lawmakers who criticized pandemic policies. Logically, according to an investigation last year in the Telegraph, recorded comments from activist Silkie Carlo criticizing vaccine passports in its “Mis/Disinformation” reports.

Logically’s reports similarly collected information on Dr. Alexandre de Figueiredo, a research fellow at the London School of Hygiene and Tropical Medicine. Figueiredo had published reports on the negative ways in which vaccine passports could undermine vaccine confidence and had publicly criticized policies aimed at the mass vaccination of children. Despite his expertise, Logically filed his tweet in a disinformation report to the government. While some of the reports were categorized as evidence of terms of service violations, many were, in fact, routine forms of dissent aired by prominent voices in the U.K. on policies hotly contested by expert opinion.

The documents showing Logically’s role were later uncovered by Carlo’s watchdog group, Big Brother Watch, which produced a detailed report on the surveillance effort. The CDU reports targeted a former judge who argued against coercive lockdowns as a violation of civil liberties and journalists criticizing government corruption. Some of the surveillance documents suggest a mission creep for the unit, as media monitoring emails show that the agency targeted anti-war groups that were vocal against NATO’s policies.

Carlo was surprised to even find her name on posts closely monitored and flagged by Logically. “We found that the company exploits millions of online posts to monitor, record and flag online political dissent to the central government under the banner of countering ‘disinformation,’” she noted in a statement to RCI.

Marketing materials published by Logically suggest its view of COVID-19 went well beyond fact-checking and veered into suppressing dissenting opinions. A case study published by the firm claimed that the #KBF hashtag, referring to Keep Britain Free, an activist group against school and business shutdowns, was a dangerous “anti-vax” narrative. The case study also claimed that the suggestion that “the virus was created in a Chinese laboratory” was one of the “conspiracy theories’’ that “have received government support” in the U.S. – despite the fact that a preponderance of evidence now points to a likely lab leak from the Wuhan Institute of Virology as the origin of the pandemic.

Logically was also involved in pandemic work that blurred the line with traditional fact-checking operations. In India, the firm helped actively persuade patients to take the vaccine. In 2021, Jain, the founder and CEO of the company, said in an interview with an Indian news outlet that his company worked “closely with communities that are today vaccine hesitant.” The company, he said, recruited “advocates and evangelists” to shape local opinion.

Questionable Fact-Checking

In 2022, Logically used its technology on behalf of Canadian law enforcement to target the trucker-led “Freedom Convoy” against COVID-19 mandates, according to government records. Logically’s team floated theories that the truckers were “likely influenced by foreign adversaries,” a widely repeated claim used to denigrate the protests as inauthentic.

The push to discredit the Canadian protests showed the overlapping power of Logically’s multiple arms. While its social media surveillance wing fed reports to the Canadian government, its editorial team worked to influence opinion through the news media. When the Financial Times reported on the protest phenomenon, the outlet quoted Murphy, the former FBI man who now works for Logically, who asserted that the truckers were influenced by coordinated "conspiracy theorist groups" in the U.S. and Canada. Vice similarly quoted Joe Ondrak, Logically's head of investigations, to report that the "Freedom Convoy" had generated excitement among global conspiracy theorists. Neither outlet disclosed Logically's work for Canadian law enforcement at the time.

Other targets of Logically are quick to point out that the firm has taken liberties with what it classifies as misinformation.

Will Jones, the editor of the Daily Sceptic, a British news outlet with a libertarian bent, has detailed an unusual fact-check from Logically Facts, the company’s editorial site. Jones said the site targeted him for pointing out that data in 2022 showed 71% of patients hospitalized for COVID-19 were vaccinated. Logically’s fact-check acknowledged Jones had accurately used statistics from the U.K. Health Security Agency, but tried to undermine him by asserting that he was still misleading by suggesting that “vaccines are ineffective.”

But Jones, in a reply, noted that he never made that argument and that, Logically was batting away at a straw man. In fact, his original piece plainly took issue with a Guardian article that incorrectly claimed that "COVID-19 has largely become a disease of the unvaccinated."

Other Logically fact-checks have bizarrely targeted the Daily Sceptic for reporting on news in January 2022 that vaccine mandates might soon be lifted. The site dinged the Daily Sceptic for challenging the evidence behind the vaccine policy and declared, “COVID-19 vaccines have been proven effective in fighting the pandemic.” And yet, at the end of that month, the mandate was lifted for healthcare workers and the following month, all other pandemic restrictions were revoked, just as the Daily Sceptic had reported.

As far as I can work out, it’s a grift,” said Daily Sceptic founder Toby Young, of Logically. “A group of shysters offer to help the government censor any criticism of its policies under the pretense that they’re not silencing dissent – God forbid! – but merely ‘cleansing’ social media of misinformation, disinformation and hate speech.

Jones was similarly dismissive of the company, which he said disputes anything that runs contrary to popular consensus. “The consensus of course is that set by the people who pay Logically for their services,” Jones added. “The company claims to protect democratic debate by providing access to ‘reliable information, but in reality, it is paid to bark and savage on command whenever genuine free speech makes an inconvenient appearance.”

In some cases, Logically has piled on to news stories to help discredit voices of dissent. Last September,  the anti-misinformation site leaped into action after British news outlets published reports about sexual misconduct allegations surrounding comedian and online broadcaster Russell Brand -- one of the outspoken critics of government policy in Britain, who has been compared to Joe Rogan for his heterodox views and large audience.

 Brand, a vocal opponent of pandemic policies, had been targeted by Logically in the past for airing opinions critical of the U.S. and U.K. response to the virus outbreak, and in other moments for criticizing new laws in the European Union that compel social media platforms to take down content.

But the site took dramatic action when the sexual allegations, none of which have been proved in court, were published in the media. Ondrak, Logically’s investigations head, provided different quotes to nearly half a dozen news outlets – including Vice, Wired, the BBC, and two separate articles in The Times – that depicted Brand as a dangerous purveyor of misinformation who had finally been held to account.

“He follows a lot of the ostensibly health yoga retreat, kind of left-leaning, anti-capitalist figures, who got really suckered into Covid skepticism, Covid denialism, and anti-vax, and then spat out of the Great Reset at the other end,” Ondrak told Wired. In one of the articles published by The Times, Ondrak aired frustration on the obstacles of demonetizing Brand from the Rumble streaming network. In an interview with the BBC, Ondrak gave a curious condemnation, noting Brand stops short of airing any actual conspiracy theories or falsehoods, but is guilty of giving audiences "the ingredients to make the disinformation themselves.”

Dinenage, the member of parliament who spearheaded the CDU anti-misinformation push with Logically during the pandemic, also leapt into action. In the immediate aftermath of the scandal, she sent nearly identical letters to Rumble, TikTok and Meta to demand that the platforms follow YouTube’s lead in demonetizing Brand. Dinenage couched her official request to censor Brand as a part of a public interest inquiry, to protect the "welfare of victims of inappropriate and potentially illegal behaviour."

Logically's editorial team went a step further. In its report on the Brand allegations published on Logically Facts, it claimed that social media accounts "trotting out the 'innocent until proven guilty' refrain" for the comedian were among those perpetuating “common myths about sexual assault.” The site published a follow-up video reiterating the claim that those seeking the presumption of innocence for Brand, a principle dating back to the Magna Carta, were spreading a dangerous "myth."

The unusual advocacy campaign against Brand represented a typical approach for a company that has long touted itself as a hammer against spreaders of misinformation. The opportunity to remove Brand from the media ecosystem meant throwing as much at him as possible, despite any clear misinformation or disinformation angle in the sexual assault allegations. Rather, he was a leading critic of government censorship and pandemic policy, so the scandal represented a weakness to be exploited.

Such heavy-handed tactics may be on the horizon for American voters. The firm is now a member of the U.S. Election Infrastructure Information Sharing & Analysis Center, the group managed by the Center for Internet Security that helps facilitate misinformation reports on behalf of election officials across the country. Logically has been in talks with Oregon and other states, as well as DHS, to expand its social media surveillance role for the presidential election later this year.

Previous targets of the company, though, are issuing a warning. 

“It appears that Logically’s lucrative and frankly sinister business effectively produced multi-million pound misinformation for the government that may have played a role in the censorship of citizens’ lawful speech,” said Carlo of Big Brother Watch.

“Politicians and senior officials happily pay these grifters millions of pounds to wield the red pen, telling themselves that they’re ‘protecting’ democracy rather than undermining it,” said Young of the Daily Sceptic. “It’s a boondoggle and it should be against the law.”

Tyler Durden Mon, 01/29/2024 - 02:00

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Buried Project Veritas Recording Shows Top Pfizer Scientists Suppressed Concerns Over COVID-19 Boosters, MRNA Tech

Buried Project Veritas Recording Shows Top Pfizer Scientists Suppressed Concerns Over COVID-19 Boosters, MRNA Tech

Submitted by Liam Cosgrove

Former…

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Buried Project Veritas Recording Shows Top Pfizer Scientists Suppressed Concerns Over COVID-19 Boosters, MRNA Tech

Submitted by Liam Cosgrove

Former Project Veritas & O’Keefe Media Group operative and Pfizer formulation analyst scientist Justin Leslie revealed previously unpublished recordings showing Pfizer’s top vaccine researchers discussing major concerns surrounding COVID-19 vaccines. Leslie delivered these recordings to Veritas in late 2021, but they were never published:

Featured in Leslie’s footage is Kanwal Gill, a principal scientist at Pfizer. Gill was weary of MRNA technology given its long research history yet lack of approved commercial products. She called the vaccines “sneaky,” suggesting latent side effects could emerge in time.

Gill goes on to illustrate how the vaccine formulation process was dramatically rushed under the FDA’s Emergency Use Authorization and adds that profit incentives likely played a role:

"It’s going to affect my heart, and I’m going to die. And nobody’s talking about that."

Leslie recorded another colleague, Pfizer’s pharmaceutical formulation scientist Ramin Darvari, who raised the since-validated concern that repeat booster intake could damage the cardiovascular system:

None of these claims will be shocking to hear in 2024, but it is telling that high-level Pfizer researchers were discussing these topics in private while the company assured the public of “no serious safety concerns” upon the jab’s release:

Vaccine for Children is a Different Formulation

Leslie sent me a little-known FDA-Pfizer conference — a 7-hour Zoom meeting published in tandem with the approval of the vaccine for 5 – 11 year-olds — during which Pfizer’s vice presidents of vaccine research and development, Nicholas Warne and William Gruber, discussed a last-minute change to the vaccine’s “buffer” — from “PBS” to “Tris” — to improve its shelf life. For about 30 seconds of these 7 hours, Gruber acknowledged that the new formula was NOT the one used in clinical trials (emphasis mine):


“The studies were done using the same volume… but contained the PBS buffer. We obviously had extensive consultations with the FDA and it was determined that the clinical studies were not required because, again, the LNP and the MRNA are the same and the behavior — in terms of reactogenicity and efficacy — are expected to be the same.

According to Leslie, the tweaked “buffer” dramatically changed the temperature needed for storage: “Before they changed this last step of the formulation, the formula was to be kept at -80 degrees Celsius. After they changed the last step, we kept them at 2 to 8 degrees celsius,” Leslie told me.

The claims are backed up in the referenced video presentation:

I’m no vaccinologist but an 80-degree temperature delta — and a 5x shelf-life in a warmer climate — seems like a significant change that might warrant clinical trials before commercial release.

Despite this information technically being public, there has been virtually no media scrutiny or even coverage — and in fact, most were told the vaccine for children was the same formula but just a smaller dose — which is perhaps due to a combination of the information being buried within a 7-hour jargon-filled presentation and our media being totally dysfunctional.

Bohemian Grove?

Leslie’s 2-hour long documentary on his experience at both Pfizer and O’Keefe’s companies concludes on an interesting note: James O’Keefe attended an outing at the Bohemian Grove.

Leslie offers this photo of James’ Bohemian Grove “GATE” slip as evidence, left on his work desk atop a copy of his book, “American Muckraker”:

My thoughts on the Bohemian Grove: my good friend’s dad was its general manager for several decades. From what I have gathered through that connection, the Bohemian Grove is not some version of the Illuminati, at least not in the institutional sense.

Do powerful elites hangout there? Absolutely. Do they discuss their plans for the world while hanging out there? I’m sure it has happened. Do they have a weird ritual with a giant owl? Yep, Alex Jones showed that to the world.

My perspective is based on conversations with my friend and my belief that his father is not lying to him. I could be wrong and am open to evidence — like if boxer Ryan Garcia decides to produce evidence regarding his rape claims — and I do find it a bit strange the club would invite O’Keefe who is notorious for covertly filming, but Occam’s razor would lead me to believe the club is — as it was under my friend’s dad — run by boomer conservatives the extent of whose politics include disliking wokeness, immigration, and Biden (common subjects of O’Keefe’s work).

Therefore, I don’t find O’Keefe’s visit to the club indicative that he is some sort of Operation Mockingbird asset as Leslie tries to depict (however Mockingbird is a 100% legitimate conspiracy). I have also met James several times and even came close to joining OMG. While I disagreed with James on the significance of many of his stories — finding some to be overhyped and showy — I never doubted his conviction in them.

As for why Leslie’s story was squashed… all my sources told me it was to avoid jail time for Veritas executives.

Feel free to watch Leslie’s full documentary here and decide for yourself.

Fun fact — Justin Leslie was also the operative behind this mega-viral Project Veritas story where Pfizer’s director of R&D claimed the company was privately mutating COVID-19 behind closed doors:

Tyler Durden Tue, 03/12/2024 - 13:40

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Association of prenatal vitamins and metals with epigenetic aging at birth and in childhood

“[…] our findings support the hypothesis that the intrauterine environment, particularly essential and non-essential metals, affect epigenetic aging…

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“[…] our findings support the hypothesis that the intrauterine environment, particularly essential and non-essential metals, affect epigenetic aging biomarkers across the life course.”

Credit: 2024 Bozack et al.

“[…] our findings support the hypothesis that the intrauterine environment, particularly essential and non-essential metals, affect epigenetic aging biomarkers across the life course.”

BUFFALO, NY- March 12, 2024 – A new research paper was published in Aging (listed by MEDLINE/PubMed as “Aging (Albany NY)” and “Aging-US” by Web of Science) Volume 16, Issue 4, entitled, “Associations of prenatal one-carbon metabolism nutrients and metals with epigenetic aging biomarkers at birth and in childhood in a US cohort.”

Epigenetic gestational age acceleration (EGAA) at birth and epigenetic age acceleration (EAA) in childhood may be biomarkers of the intrauterine environment. In this new study, researchers Anne K. Bozack, Sheryl L. Rifas-Shiman, Andrea A. Baccarelli, Robert O. Wright, Diane R. Gold, Emily Oken, Marie-France Hivert, and Andres Cardenas from Stanford University School of Medicine, Harvard Medical School, Harvard T.H. Chan School of Public Health, Columbia University, and Icahn School of Medicine at Mount Sinai investigated the extent to which first-trimester folate, B12, 5 essential and 7 non-essential metals in maternal circulation are associated with EGAA and EAA in early life. 

“[…] we hypothesized that OCM [one-carbon metabolism] nutrients and essential metals would be positively associated with EGAA and non-essential metals would be negatively associated with EGAA. We also investigated nonlinear associations and associations with mixtures of micronutrients and metals.”

Bohlin EGAA and Horvath pan-tissue and skin and blood EAA were calculated using DNA methylation measured in cord blood (N=351) and mid-childhood blood (N=326; median age = 7.7 years) in the Project Viva pre-birth cohort. A one standard deviation increase in individual essential metals (copper, manganese, and zinc) was associated with 0.94-1.2 weeks lower Horvath EAA at birth, and patterns of exposures identified by exploratory factor analysis suggested that a common source of essential metals was associated with Horvath EAA. The researchers also observed evidence of nonlinear associations of zinc with Bohlin EGAA, magnesium and lead with Horvath EAA, and cesium with skin and blood EAA at birth. Overall, associations at birth did not persist in mid-childhood; however, arsenic was associated with greater EAA at birth and in childhood. 

“Prenatal metals, including essential metals and arsenic, are associated with epigenetic aging in early life, which might be associated with future health.”

 

Read the full paper: DOI: https://doi.org/10.18632/aging.205602 

Corresponding Author: Andres Cardenas

Corresponding Email: andres.cardenas@stanford.edu 

Keywords: epigenetic age acceleration, metals, folate, B12, prenatal exposures

Click here to sign up for free Altmetric alerts about this article.

 

About Aging:

Launched in 2009, Aging publishes papers of general interest and biological significance in all fields of aging research and age-related diseases, including cancer—and now, with a special focus on COVID-19 vulnerability as an age-dependent syndrome. Topics in Aging go beyond traditional gerontology, including, but not limited to, cellular and molecular biology, human age-related diseases, pathology in model organisms, signal transduction pathways (e.g., p53, sirtuins, and PI-3K/AKT/mTOR, among others), and approaches to modulating these signaling pathways.

Please visit our website at www.Aging-US.com​​ and connect with us:

  • Facebook
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Click here to subscribe to Aging publication updates.

For media inquiries, please contact media@impactjournals.com.

 

Aging (Aging-US) Journal Office

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Orchard Park, NY 14127

Phone: 1-800-922-0957, option 1

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A beginner’s guide to the taxes you’ll hear about this election season

Everything you need to know about income tax, national insurance and more.

Cast Of Thousands/Shutterstock

National insurance, income tax, VAT, capital gains tax, inheritance tax… it’s easy to get confused about the many different ways we contribute to the cost of running the country. The budget announcement is the key time each year when the government shares its financial plans with us all, and announces changes that may make a tangible difference to what you pay.

But you’ll likely be hearing a lot more about taxes in the coming months – promises to cut or raise them are an easy win (or lose) for politicians in an election year. We may even get at least one “mini-budget”.

If you’ve recently entered the workforce or the housing market, you may still be wrapping your mind around all of these terms. Here is what you need to know about the different types of taxes and how they affect you.

The UK broadly uses three ways to collect tax:

1. When you earn money

If you are an employee or own a business, taxes are deducted from your salary or profits you make. For most people, this happens in two ways: income tax, and national insurance contributions (or NICs).

If you are self-employed, you will have to pay your taxes via an annual tax return assessment. You might also have to pay taxes this way for interest you earn on savings, dividends (distribution of profits from a company or shares you own) received and most other forms of income not taxed before you get it.

Around two-thirds of taxes collected come from people’s or business’ incomes in the UK.

2. When you spend money

VAT and excise duties are taxes on most goods and services you buy, with some exceptions like books and children’s clothing. About 20% of the total tax collected is VAT.

3. Taxes on wealth and assets

These are mainly taxes on the money you earn if you sell assets (like property or stocks) for more than you bought them for, or when you pass on assets in an inheritance. In the latter case in the UK, the recipient doesn’t pay this, it is the estate paying it out that must cover this if due. These taxes contribute only about 3% to the total tax collected.

You also likely have to pay council tax, which is set by the council you live in based on the value of your house or flat. It is paid by the user of the property, no matter if you own or rent. If you are a full-time student or on some apprenticeship schemes, you may get a deduction or not have to pay council tax at all.


Quarter life, a series by The Conversation

This article is part of Quarter Life, a series about issues affecting those of us in our 20s and 30s. From the challenges of beginning a career and taking care of our mental health, to the excitement of starting a family, adopting a pet or just making friends as an adult. The articles in this series explore the questions and bring answers as we navigate this turbulent period of life.

You may be interested in:

If you get your financial advice on social media, watch out for misinformation

Future graduates will pay more in student loan repayments – and the poorest will be worst affected

Selling on Vinted, Etsy or eBay? Here’s what you need to know about paying tax


Put together, these totalled almost £790 billion in 2022-23, which the government spends on public services such as the NHS, schools and social care. The government collects taxes from all sources and sets its spending plans accordingly, borrowing to make up any difference between the two.

Income tax

The amount of income tax you pay is determined by where your income sits in a series of “bands” set by the government. Almost everyone is entitled to a “personal allowance”, currently £12,570, which you can earn without needing to pay any income tax.

You then pay 20% in tax on each pound of income you earn (across all sources) from £12,570-£50,270. You pay 40% on each extra pound up to £125,140 and 45% over this. If you earn more than £100,000, the personal allowance (amount of untaxed income) starts to decrease.

If you are self-employed, the same rates apply to you. You just don’t have an employer to take this off your salary each month. Instead, you have to make sure you have enough money at the end of the year to pay this directly to the government.


Read more: Taxes aren't just about money – they shape how we think about each other


The government can increase the threshold limits to adjust for inflation. This tries to ensure any wage rise you get in response to higher prices doesn’t lead to you having to pay a higher tax rate. However, the government announced in 2021 that they would freeze these thresholds until 2026 (extended now to 2028), arguing that it would help repay the costs of the pandemic.

Given wages are now rising for many to help with the cost of living crisis, this means many people will pay more income tax this coming year than they did before. This is sometimes referred to as “fiscal drag” – where lower earners are “dragged” into paying higher tax rates, or being taxed on more of their income.

National insurance

National insurance contributions (NICs) are a second “tax” you pay on your income – or to be precise, on your earned income (your salary). You don’t pay this on some forms of income, including savings or dividends, and you also don’t pay it once you reach state retirement age (currently 66).

While Jeremy Hunt, the current chancellor of the exchequer, didn’t adjust income tax meaningfully in this year’s budget, he did announce a cut to NICs. This was a surprise to many, as we had already seen rates fall from 12% to 10% on incomes higher than £242/week in January. It will now fall again to 8% from April.


Read more: Budget 2024: experts explain what it means for taxpayers, businesses, borrowers and the NHS


While this is charged separately to income tax, in reality it all just goes into one pot with other taxes. Some, including the chancellor, say it is time to merge these two deductions and make this simpler for everyone. In his budget speech this year, Hunt said he’d like to see this tax go entirely. He thinks this isn’t fair on those who have to pay it, as it is only charged on some forms of income and on some workers.

I wouldn’t hold my breath for this to happen however, and even if it did, there are huge sums linked to NICs (nearly £180bn last year) so it would almost certainly have to be collected from elsewhere (such as via an increase in income taxes, or a lot more borrowing) to make sure the government could still balance its books.

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Do you know how much tax you pay? Alex from the Rock/Shutterstock

Other taxes

There are likely to be further tweaks to the UK’s tax system soon, perhaps by the current government before the election – and almost certainly if there is a change of government.

Wealth taxes may be in line for a change. In the budget, the chancellor reduced capital gains taxes on sales of assets such as second properties (from 28% to 24%). These types of taxes provide only a limited amount of money to the government, as quite high thresholds apply for inheritance tax (up to £1 million if you are passing on a family home).

There are calls from many quarters though to look again at these types of taxes. Wealth inequality (the differences between total wealth held by the richest compared to the poorest) in the UK is very high (much higher than income inequality) and rising.

But how to do this effectively is a matter of much debate. A recent study suggested a one-off tax on total wealth held over a certain threshold might work. But wealth taxes are challenging to make work in practice, and both main political parties have already said this isn’t an option they are considering currently.

Andy Lymer and his colleagues at the Centre for Personal Financial Wellbeing at Aston University currently or have recently received funding for their research work from a variety of funding bodies including the UK's Money and Pension Service, the Aviva Foundation, Fair4All Finance, NEST Insight, the Gambling Commission, Vivid Housing and the ESRC, amongst others.

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