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Info Bank - Minimising Your Personal Tax Liability

31 October 2012

Info Bank - Minimising Your Personal Tax Liability

No one wishes to pay more tax than is necessary and good tax planning is an essential component in personal financial planning. Everyone’s situation is different, and tax rates, allowances and legislation change every year. Without personal tax planning, you may pay more than is necessary. Here are some of the key personal tax issues to consider. With increases in the rates of tax and reduced tax relief on pension contributions, we can help you plan.

Insider November

31 October 2012

Insider November

Welcome to your November Insider. This month we take a look at what you need to do now to prepare for the start of Real Time Information (RTI) in April next year. And as the temperature drops and thoughts turn to the festive period, we give a brief overview of some of the tax reliefs that are available for the Christmas season – have you planned your staff party yet? Elsewhere, HMRC shines its spotlight onto 'direct sellers'; in its new campaign targeting those who sell goods without the need of a shop. Finally in Your Money, we explore the end to the default retirement age, and the option to continue working into later your later years.

Red Tape Regulations

11 October 2012

Red Tape Regulations

New business regulations typically come into effect on two common commencement dates (CCDs) in April and October each year. Below is our summary of some recent and upcoming legislation changes from 1 October 2012 that may affect your business and your customers.

HR Autumn Update

11 October 2012

HR Autumn Update

With the celebrations for the summer games coming to an end, our thoughts turn to some aspects of year end planning. For many businesses this often includes early planning and booking for celebrating the approaching year end and the company party season. But beware as this can lead to a number of problems…

Insider October

11 October 2012

Insider October

Welcome to your October newsletter. Auto-enrolment is finally kicking off and this month will see the largest employers automatically enrol their workers into a qualifying pension scheme. Do you and your employees know about the big changes that are happening? Meanwhile, as new employee regulations are typically brought in twice a year, October also sees a rise in the national minimum wage. Elsewhere, we touch upon the Government's initial announcement of a new state backed business bank as a solution to SMEs struggling to access finance. Finally, in Your Money, we explore why auto-enrolment is just one of many issues altering the pension landscape; other imminent changes to the state pension and child benefit may prompt you to review your retirement and pension plans.

Estate Planning

29 August 2012

Estate Planning

That you should leave something behind for loved ones is a gratifying thought, whatever the size of your estate. This article explains why Estate Planning is important...

Tax and Your Business

29 August 2012

Tax and Your Business

Don’t miss out on tax planning opportunities. Planning for the year ahead will benefit your business – this guide covers some important considerations for unincorporated businesses.

Insider September

29 August 2012

Insider September

Welcome to your September newsletter. With the Olympics over, we take a look at some of the opportunities the Government believes the Olympic legacy may bring to the economy – have you considered what business opportunities are available for you? Elsewhere, we look at why you should be sure to consult or inform us of any changes to your business - it could alter your tax position with HMRC. Meanwhile, we take a look at the new Seed Enterprise Investment Scheme (SEIS) which offers tax reliefs to investors financing small fledgling businesses. Finally, in Your Money, we consider how the new £9,000 a year tuition fee could prompt you to review your personal finances.

Exiting Your Business

29 July 2012

Exiting Your Business

Exiting Your Business Every business owner should have an exit strategy in place, and as more and more owners and directors approach retirement, is now the time to look at your exit strategy?

Economic Update

29 July 2012

Economic Update

Economic update August 2012 With the UK economy now in a deeper double dip recession than most expected coupled with the ongoing challenges around the Eurozone, it is evident that while we enjoy the peak performances of athletes in the Olympics and Paralympics, our economy is far from growing or healthy. Against this background we take a look back at how our economy has struggled this year, what factors we might expect to impact our marketplace in the future, and what the uncertainty in Europe could mean for us. We also explore the ways in which you can protect and boost your business during these unstable times.

Insider August

29 July 2012

Insider August

Welcome to your August newsletter. This month we take a look at employee share schemes after recent research revealed that more businesses are offering the perk. Meanwhile, we look at some of the small steps you can take to ensure your business is better protected during these economically challenging times. Finally in Your Money, we explore some personal money aspects that could make the summer holidays even more enjoyable.

Inheritance Tax Trusts

29 June 2012

Inheritance Tax Trusts

Trusts can play an important role in inheritance tax planning, but the circumstances must be right. We take a look at the various available trusts, and when a trust may not be appropriate.

Insider July

29 June 2012

Insider July

Welcome to your July newsletter. This month, the country goes sporting event mad! With the Euro 2012 football currently taking place, and the Olympics and Paralympics just around the corner, we take a look at HMRC's warning to employers hiring temporary workers over the busy period – are they here legally and is PAYE being correctly applied? We also explore the relaxed Sunday trading laws during the Olympic Games, and what this means for you as a business. Elsewhere, HMRC launches six new taskforces to tackle those who may be paying the evading tax and we review the Chancellor's Budget U-turns to find out what you will, and won't, be taxed on.

HR Summer Update

29 June 2012

HR Summer Update

As the summer's sporting events kick off we take a look at how they could impact on your business. We also look at a recent tribunal case study, and examine the Beecroft Report.

Tendering for Contracts

31 May 2012

Tendering for Contracts

A guide to tendering for contracts When a business bids for a job, usually you will draw up a quotation or an estimate and the contract will be negotiated on that basis. But for large jobs, extended periods of supply, and most public sector contracts, a more formal process of tendering may be required. It is advisable to carefully weigh up the pros and cons before launching into preparing a tender.

Company Car Taxation

31 May 2012

Company Car Taxation

Company Car Taxation “Everything in life is somewhere else, and you get there in a car.” E. B. White Company cars remain an important tool in rewarding, attracting and retaining staff. It therefore comes as no surprise that the Government views the provision of company cars by employers to their employees as a lucrative source of revenue for the UK. With the UK Government also committed to lowering CO2 emissions, this guide seeks to explore the company car tax rules, the upcoming proposed changes and how tax legislation is being used to encourage businesses to use more environmentally-friendly vehicles. A review by both employers and employees of their company vehicle(s) may be appropriate. Please contact us for advice.

Insider June

31 May 2012

Insider June

Welcome to your June newsletter. This month, we weigh up the benefits and pitfalls of employing contractor staff for your business. Elsewhere, we look at how advisory fuel rates work and what important records you need to obtain when reclaiming VAT. Meanwhile, with recent figures showing firm insolvencies were on the up in the first quarter of 2012, we outline a short business health check to minimise the risk of insolvency. Finally, in Your Money, could you be in line for an early refund – or bill - from the taxman?

Insider May

30 April 2012

Insider May

Welcome to your May newsletter. With the new tax year well under way, this issue brings you some of the new tax rates and allowances which you may want to take advantage of. Meanwhile, the Government has confirmed that employee earning thresholds for the upcoming pension auto-enrolment will be aligned with tax and national insurance thresholds – we take a look. Elsewhere, small businesses may stand to benefit from a new mobile app which allows them to access business records on-the-go. Plus, are you aware that different business accounting dates may offer various advantages, or disadvantages for your business?

Saving with a Tax Advantage

30 April 2012

Saving with a Tax Advantage

The past few years have seen households focus on reducing household debt and increase their savings. Tax advantaged saving still provides a valuable boost to the saving regime and so in this update we look at some of the opportunities for you to consider together with your professional advisers.

Intestacy

30 April 2012

Intestacy

Various surveys indicate that about two-thirds of adults fail to make a Will. Even those who do may still be caught by the rules of intestacy. A Will may prove to be invalid because of a procedural defect or even just because no-one can find it. A subsequent marriage often revokes a Will while a divorce can alter the terms of a Will.

Red Tape Regulation

4 April 2012

Red Tape Regulation

New business regulations come into effect on two common commencement dates (CCDs) in April and October each year. Below is our summary of some of the upcoming legislation changes that may affect you and your business from April 6 2012. According to Government reports, UK businesses stand to save around £4.17 million if it sticks to plans to reduce regulatory burdens between January and June 2012. It forms part of an ongoing strategy known as the Red Tape Challenge which has seen the implementation of a 'one-in, one-out' rule regarding new legislation - and it hopes to remove more legislation in the coming months. Despite the drive, businesses should still be aware of new regulations that may affect individuals and businesses.

HR Update Spring 2012

3 April 2012

HR Update Spring 2012

Preparing to Conduct an Appraisal Most organisations now recognise the importance and benefits of staff appraisals. For appraisals to be effective there is however a need for proper preparation. We consider some tips for preparing to conduct an appraisal.

Budget Report 2012

22 March 2012

Budget Report 2012

This Report, written immediately after the Chancellor of the Exchequer delivered his Budget Speech, provides an overview of the announcements most likely to affect you and your business.

Investing In Your Business

3 March 2012

Investing In Your Business

Whether you are considering fresh investment in an established business or initial investment in a new enterprise it is important that your investment decisions are thoroughly appraised, timely, and in accordance with your overall personal and business strategy.

Employers Guide to Pension Reforms

2 March 2012

Employers Guide to Pension Reforms

This year will see the introduction of radical pensions reform as the Government attempts to bridge the gap between pension savings and years in retirement with the introduction of auto-enrolment.

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