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I'm glad the tax freeze pledge goes These three taxes make up by far the biggest pandora bracelet watch charm chunk of all taxes collected around 60 per cent. No other tax makes up even half of any of these three heavyweights. A lot can change over a five year term. Just think how different things looked just two years ago after the last general election; now imagine how different they'll look again in another three once we've exited the European Union. Take IPT, for example. Until recently, this was a little tax that no one had ever heard of and it was for precisely this reason that it became a target for Chancellors. IPT or the boringly named insurance premium tax was lifted three times in 18 months, now reaching 12 per cent. It was only in 2010 that the rate was just five per cent. Since most families have insurance of some description, the impact of raising the tax is in some ways no different from a slight rise in income tax, National Insurance or VAT. Except that many people won't notice until they go to renew their car or home insurance and find it's gone up another few quid. As well as hiking boring, overlooked taxes, another trick is raising taxes where people won't notice until it's too late. Take for example the proposed increase in probate fees. Fees were due to rise from a flat rate of 215 to as much pandora charm bracelets for women as 20,000 in some cases. While there was some outcry when the plan was announced, most people will only find out about it when they are bereaved and have to find the money. Similarly, bereavement benefits were slashed earlier this month. The move meant that a family who loses a parent now will receive financial support from just 18 months instead of up to 20 years under the old system. The outcry was led by bereavement groups, and bereaved families who had received support under the old system they believed they could not have done without and wanted others to have that lifeline also. Options: Should he find himself Chancellor after the general election, the decision to drop the tax freeze pledge will make Philip Hammond's job easier Those who will end up receiving less under the new system were of course not able to campaign against it. Of course there is no guarantee that governments won't choose soft targets even without a pledge on income tax, NI and VAT. But I think it reduces the risk. I'd sooner have a government that is prepared to use every tool at its disposal to steer the country than one that promises to lock half of them in a box for five years whether it makes sense or not. Most watched Money videos The new Nissan Qashqai will be in the showrooms from next month Jaguar Land Rover teases the opening of its classic car tour Instant karma!: Thief stopped by lorry driver quick thinking Investing Show: Are stockmarkets too expensive? Rolls Royce showcases its bespoke capabilities in stylish car Is this the best car used advert ever? Vitara gets CGI treatment The world largest luxury car Machine in Singapore Unsettling digital safety advert will make you think twice online Footage showing the amazing evolution of the Porsche 911 Carrera Should you worry about the election and your investments? Investing Show: John Redwood on whether Trump can deliver How should investors deal with the UK election result? Sainsbury's to buy convenience rival Nisa in 130m deal,. Daily Briefing: Possible deal as Scottish Widows in line. MARKETS CLOSE: FTSE jumps as Brexit talks begin in. Jaguar Land Rover jobs drive for engineers who can create. ALEX BRUMMER: Hammond must be heard 'failure to secure. Private equity giant Blackstone backs UK property by. Brexit vote fuelled 146bn betting frenzy in City amongst. Standard Life and Aberdeen Asset Management approve. Britain's holiday rental market booms as the weak pound. Women's retailer Bonmarch suffers 40% profits fall as. Co op Bank in 'advanced talks' with investors over. Brexit critic LSE professor appointed to the Bank of. MIDAS SHARE TIPS UPDATE: Vital signs are improving at. pandora jewelry retailers locations SMALL CAP IDEAS: Katoro Gold raises 1.5million equity. A surprise surcharge AFTER you have paid it's the. Roaming may now be 'free' when you're abroad but you. 'Brexit is a lose lose proposition, harmful both to. Sainsbury's to buy buy pandora charms convenience rival Nisa in 130m deal,. MOST READ MONEY PreviousDo you want to automatically post your MailOnline comments to your Facebook Timeline? Your comment will be posted to MailOnline as usual We will automatically post your comment and a link to the news story to your Facebook timeline at the same time it is posted on MailOnline. To do this we will link your MailOnline account with your Facebook account.