Personal Tax Return Deadline Approaches
Completing a personal tax return can be a stressful, complex task and an unwanted hassle for self assessment taxpayers. At Tax Affinity we provide a simple, price competitive service to alleviate your concerns over personal tax returns. If you currently complete your own tax return then you could certainly benefit from our services to ensure that you don’t overpay on tax. Mistakes on your tax return could cost you a significant amount and it is therefore worth taking advantage of expert advice to make sure you report the correct level of taxable income. We will assess all of your income and expenses information to ensure you minimise your tax liability. If you are already taking advantage of our tax help, please ensure you send us all your income and expenses information (bank statements, invoices and receipts) for the period 6th April 2012- 5th April 2013 as soon as possible. With the busy Christmas and New Year period approaching, it is vital that we receive all this information in the next 3-4 weeks so we can ensure all of our clients’ tax returns are submitted before the deadline. By leaving your tax return right up until the last minute you risk incurring a late filing penalty. Here is a summary of the HMRC penalty charges you may face: Length of Delay - Penalty incurred 1 day late A penalty charge of £100 even if you have no tax liability for the year or have paid the tax you owe 3 months late A penalty charge of £10 per day up to a maximum of 90 days- £900. This is on top of the initial £100 charge. 6 months late £300 or 5% of the tax due (whichever is higher). On top of the penalties listed above 12 months late An additional £300 or 5% of tax due. However, in certain cases the charge may be up to 100% of the tax due or higher. Please avoid any of these penalties by sending us all your information as soon as possible. Feel free to pop into the office or just email us the necessary documents. Rushing a tax return can result in a number of unnecessary errors so please ensure you get on top of the situation in the coming weeks. By Tom Hoadley at Tax Affinity. Tax Affinity Accountants are experts in Tax and Accountancy. Based in Kingston upon Thames they regularly submit tax returns for their clients peace of mind, providing a great value for money service for people from all walks of life. For more information visit www.taxaffinity.com. To read more interesting articles like this visit www.taxaffinity.com/blog. Please feel free to comment and share this with your friends. Properties have always been a relatively safe and sound option for investment. As a landlord, renting out your property can offer an alternative source of income in the form of rent and potentially give a good return on the initial investment through capital appreciation. However, if you’re looking for huge returns over a few days then property investment is unlikely to be your preferred choice. Nonetheless properties have historically been a low risk investment and have provided modest returns over the long term. Here are a few things to consider if you wish to maximise your rental income:
Deducting Allowable Expenses You can reduce the amount of rental income that is taxable by taking advantage deducting allowable expenses. There more common expenses you can deduct are:
The costs should be wholly and exclusively incurred as a result of renting out the property. If a part of the expense meets this condition then that part can be deducted from income. Cost comparisons Saving costs can only have a positive effect as expenses are the only thing eating into your rental income. Try reviewing your costs on an occasional basis (once a quarter) and you may witness bargains that could help you save a lot of money. Service providers tend to offer sizeable discounts to new customers but only have stagnant prices for existing customers. Getting quotes from different companies that offer the same service can sometimes amaze you at how wide the price range can be. Just be sure you don’t jeopardise the quality of services just to save a few pennies. Annual Investment Allowance Expenses of a capital nature are not deductible. You cannot deduct from income the cost of the property you are renting out, expenditure that adds to or improves the property or the cost of renovating a property from a state that cannot be rented out. However, capital spending can be deducted using the Annual Investment Allowance. From 1st January 2013 (until 1st January 2015), you can deduct up to £250,000 a year for many types of capital spending using the Annual Investment Allowance, such as commercial vehicles, business furniture, computers, machinery and tools. It would be beneficial to take advantage of the temporary rise in the Annual Investment Allowance as it is likely to revert back to around the limit of 2012/13 (£25,000) after January 2015. Landlord’s Energy Savings Allowance (LESA) Until April 2015, an allowance of up to £1,500 per let residential property can be claimed for the cost of loft, wall and floor insulation, draft proofing and hot water system insulation. The LESA was introduced to encourage landlords to improve the energy efficiency of let residential properties. These expenditures are usually not deductible from taxable income and are not eligible for capital allowances. Wear and Tear Allowance or Renewals Allowance For fully furnished properties, a wear and tear allowance can be claimed for furnishings such as beds, carpets and appliances. The allowance is 10% of the net rental income (gross rent minus utility bills, service charges and council tax) you receive from these properties. With the renewals allowance, you can claim expenses of any furniture as you replace them. Any money you make from the disposal of the asset must be deducted and the cost of any improvements (e.g. an upgrade from a washing machine to a washer-dryer) Note that you can only claim either the Wear and Tear Allowance or the Renewals Allowance but not both. By Wilson Law at Tax Affinity. Tax Affinity Accountants are considered in the market to be experts in Tax and Accountancy in the UK. Based in Kingston upon Thames they have clients right across the UK as well as Europe, Middle East and North America. For more information visit www.taxaffinity.com. To read more interesting articles like this visit www.taxaffinity.com/blog. Please feel free to comment and share this with your friends. Tips to avoid paying too much tax if you’re self employed
According to Which.co.uk, we paid an estimate of £12.6 billion in unnecessary tax in 2012. People who are self-employed or have their own businesses are particularly prone to overpaying tax. But by doing a bit of research and accessing your tax options, you can maximise your income and safeguard your finances for the future. Spreading income tax payments among the family Every individual that is able to work has a personal allowance of £9,440 for the financial year 2013/14. If you are earning over the 20% rate band for income tax, it may be wise to employ a family member to share a part of your workload. Income up to £9,440 would be free of income tax for him or her, and an allowable expense for you. This is especially ideal for any children you have over 16 that can work over the holidays as their wages are also tax deductible. Furthermore, no national insurance is payable if they earn less than £149 per week. Additionally, members earning between £109-148 are entitled to certain state benefits such as building towards the state pension. Using the personal allowance to its maximum Rather than one individual holding the bulk of the income and facing a higher rate of income tax, it is of best interest to arrange the finances in a way that lessens the tax burden. This can be achieved by building up a state pension for your partner and/or make pension payments to build up a retirement pot. These contributions are tax relievable at the marginal rate of the payer. On a further note, £3,600 can be contributed per year irrespective of earnings so consider pensioning for any of your children helping out at the business. Taking advantage of tax free opportunities Use up you and your partner’s cash ISA limit of £5,760. Gift any surplus funds to your partner if he/she is a lower tax payer than you. Be careful of the liquidity position of the business, it may be troubling to recall back the funds. The £100,000 ceiling Try not to exceed earnings of £100,000. For every £2 of income over £100,000, your personal allowance falls by £1. This means that at an income of £118,880 you will have lost all your personal allowance of £9,440. The £9,440 is then taxed at a rate of 20%, and the £18,800 over £100,000 is taxed at a rate of 40%, meaning that your marginal rate of tax on this slice of income is a whopping 60%. You can consider increasing your pension contribution to preserve your personal allowance. Note that the maximum annual allowance is £50,000 but you can use any unused annual allowances dating back three tax years to increase your contribution. Maximising your tax allowances Each person has an annual capital gains tax allowance that can be reached before the gain is taxed. This figure amounts to £10,900 for the financial tax year 2013/2014. With sound financial planning, you can get up to £20,340 tax free each year (£9,440 for personal allowance and £10,900 for Capital Gains Tax). Be well organised and keep good records The deadline for the online tax return is 31st January (31st October for the paper tax return). Failure to commit to the deadline may result in penalties. Keeping your records in an organised manner can make your life a lot easier especially if HMRC decides to investigate. Plan ahead Good forward financial planning can maximise successful tax strategies. That’s why at Tax Affinity Accountants we make sure to sit with all our clients and run through the options for good financial planning. By Wilson Law Tax Affinity Accountants are considered in the market to be experts in Tax and Accountancy in the UK. Based in Kingston upon Thames they have clients right across the UK as well as Europe, Middle East and North America. For more information visit www.taxaffinity.com. To read more interesting articles like this visit www.taxaffinity.com/blog. Please feel free to comment and share this with your friends. Its a question we often get asked - How do you appeal a tax penalty?If you've been unlucky enough that HM Revenue & Customs (HMRC) have imposed a tax penalty on you, a taxpayer then you or your appointed agent (usually accountant) are allowed to lodge an appeal against the penalty.
But the crucial thing is knowing that the grounds upon which to make the appeal will depend on the nature of the penalty and its circumstances. Example: A penalty for late filing of a tax return can be appealed on the grounds that the tax payer had a fair and reasonable excuse for having to file the tax return late. A sample of some of the reasons that are valid are as per below.
And try to remember, while HMRC seem quick to apply penalties they are also fair to review them and normally always offer an opportunity to review all penalty decisions. But if the penalty still applies following the review, the tax payer shouldn't lose heart and can always make an appeal to the First Tier Tax Tribunal, if they feel that their appeal is truly justified. Making an appeal in a Tribunal. Normally this will involve the preparation of 'trail bundle' which is basically a pack of documents that contain copies of all papers that the defendant is going to be relying on in the case and they have to be disclosed together with, if appropriate and possible, any legal case law that applies. Papers: The bundle may contain different stuff and it usually depends on the nature of the case, e.g. if a taxpayer is appealing a late filing penalty because he was ill and unable to submit the return, then he possibly needs only to bring a doctor's official certificate or hospital and medical records showing this to be the case. While in the course of an appeal a taxpayer or their appointed representative will be required to present their case and then present their evidence to the Tribunal, calling any persons as witnesses if they feel it will help their case. Evidence: Simply like all legal cases the quality of evidence is whats important. Each party in the case will have a keen interest to expose the other party's and their evidence or witnesses as an untrue or unreliable to base the decision on. The judge will decide based on these presentations. In some cases an appeal can be lodged to the Upper Tax Tribunal if it is felt that the First Tier Tribunal decision was incorrect. In most cases however it never gets to this point as the vast majority of appeals are handled by HMRC themselves at the earliest stage. Tax Affinity Accountants are experts in Tax and Accounting for businesses and individuals. Based in Kingston upon Thames they cover the whole of the London area with many satisfied clients. If you have any tax appeal requirements please feel to call or visit our website at www.taxaffinity.com. Follow us on twitter @tax_affinity to find more useful hints and tips. The Treasury expects to raise over £4 billion from Capital Gains Tax (CGT) from the last tax year - 15% more than the previous year. In our view the main reason for this rise is the number of investors paying CGT at a higher rate has increased.
CGT is payable at 18% if you're a non-taxpayer or basic rate taxpayer, or 28% if you're a higher or additional rate taxpayer. Remember, CGT is payable when you realise profits in excess of the annual allowance (£10,600 in the current tax year). One of the simplest way to protect your investments from any future CGT liabilities is to shelter them with an ISA. Once held with an ISA there is no further tax to pay on any investment income, and no tax to pay on gains. Each tax year you have an ISA allowance. If the allowance is used every year it offers the opportunity to build a significant portfolio of tax sheltered assets in the long run. This year the ISA allowance has risen to £11,280, that means a couple could shelter as much as £22,560 in ISAs. Tax benefits of Stocks & Shares ISAs For those who already hold investments showing substantial gains there are some simple steps you can take to reduce, or even eliminate completely, any CGT liability. Please note tax rules are subject to change, and the benefits of tax shelters will depend on your circumstances. 1. Offset losses against your gains If you sell an investment and make a loss, the loss can be offset against any gains you have made in the same tax year. If your losses exceed your gains, you can register the losses on your tax return to offset against future gains. 2. Sell when you pay tax at a lower rate The rate of capital gains tax is based on the rate of income tax you pay so your CGT bill will be lower if you realise gains when your income is lower. If you know your taxable income will fall in the future, perhaps due to retirement, you could consider delaying selling until then. However you should always look at your investment objectives and merits first and look at the tax benefits as an added bonus. 3. Transfer to your spouse and pay less tax You can normally transfer investments between spouses without an immediate tax charge. This means a married couple (or those in a registered civil partnership) can use both their annual allowances to make gains of £21,200 this tax year without paying CGT. If your spouse pays tax at a lower rate than you, you could transfer the investments into their name before selling to benefit from CGT at the lower rate. 4. Reduce your taxable income Because the rate of capital gains tax you pay is linked again to the rate of income tax you pay, reducing your taxable income could reduce the amount of capital gains tax you pay. The easiest way to do this is through tax shelters such as ISAs - income from an ISA is free from further tax. In some cases you might be able to reduce your taxable income for a particular year - perhaps by transferring income-bearing assets such as cash deposits, to your spouse. 5. Use your pension to reduce capital gains tax A pension contribution can also be used to reduce capital gains tax liability for many investors by taking advantage of the tax relief on the contribution. Effectively your basic rate tax band is increased by the amount of the pension contribution, meaning larger gains might be realised before the higher rate of capital gains tax is payable. For example, a pension contribution of £3,600 will extend your basic rate tax band from £42,475 to £46,075. Providing your taxable income and gains are less than £46,075 in this tax year, you will pay capital gains tax at 18% and none at 28%. Find out more about Capital Gains Tax and how Tax Affinity Accountants can help you visit our website and arrange an a free initial consultation. Please remember all stock market investments can fall as well as rise in value so you could get back less than you invest . Tax Affinity Accountants based in Kingston upon Thames are experts in advising the public in all matters to do with tax and accounting. A upcoming change in the housing benefit rules has been dubbed the "bedroom tax", officially though, it is not a tax, but a benefit cut.
Government ministers argue the changes will help cut the £23bn annual bill for housing benefit, free up more living space for overcrowded families, and encourage people to get jobs. But some housing charities are warning that the result will be higher levels of rent arrears, and greater homelessness. From the governments own estimates, over half a million tenants will be affected when the new rules take effect in April this year. It says the savings to the taxpayer will amount to £505m in 2012-13, and £540m in the year after. What is going to chang? The rules will affect housing benefit, which is paid to less well-off tenants to help with rent. Typically claimants receive between £50 and £100 a week. From April 2013 families deemed to have too much living space by their local authorities will receive a reduced payment. Under the government's so-called "size criteria", families will be assessed for the number of bedrooms they actually need. Who can be affected? Changes affects council tenants, and those who rent from housing associations. It does not affect private sector tenants. Government estimates show that 660,000 households will have their benefit cut, roughly a third of social sector claimants. Only those of working age will see reduced payments. How much may people lose? If a tenant is deemed to have one spare room, they will lose 14% of their benefit. If they have two or more spare rooms, they will lose 25%. Government ministers says that will mean an average loss of about £14 a week for council tenants. Those who rent from housing associations are facing an average loss of about £16 a week. So how many bedrooms are you allowed? The rules allow one bedroom for each adult or couple. Children under the age of 16 are expected to share, if they are the same gender. Those under 10 are expected to share whatever their gender. But disabled tenants will be allowed a bedroom for full-time carers. The number of bedrooms in the property will be determined by the landlord's tenancy agreement, so you cannot claim a bedroom is actually a living room. So Can you keep a spare bedroom? Sorry No, and especially not without losing benefit. Parents who are separated are not allowed to keep a vacant bedroom for a child who visits. Foster children are not counted as permanent members of a household. And what about students? From April 2013, parents will not be penalised if a student is away, as long as he or she sleeps at home for at least two weeks a year. But when universal credit comes in from this autumn, students will need to be at home for at least six months to avoid a benefit cut. And what about lodgers? From April 2013, claimants with a paying lodger will be allowed to keep the first £20 of weekly rent. But housing benefit will be then be cut, pound for pound, on the rest of the rent they receive. But, after universal credit is established, housing benefit will be cut, but tenants will be allowed to keep all the rental income (although only the first £4,250 of annual rent is free of income tax). And are pensioners exempt? Again from April, if either half of a couple are of pensionable age, they will not suffer reductions to housing benefit. Under universal credit, both will need to be over pensionable age, or one will need to be in receipt of pension credit, in order to qualify for the maximum benefit. Tax Affinity Accountants are HMRC Authorised agents, who are experts in tax planning in Surbiton, Kingston upon Thames. Visit www.taxaffinity.com for more information. Leaving a tax return to the last minute means you are more likely to do it in a hurry. There are still six million people in Britain who have not yet filed their self-assessment tax form, HM Revenue & Customs said this week – and time is running out ahead of the 31 January deadline.
Leaving it to the last minute means you are more likely to do it in a hurry and therefore more likely to make careless errors. Filing online is a good way of avoiding mistakes because calculations are done automatically and there is on-screen help if you need it. But it is still easy to trip up, due to carelessness, not being organised enough, or lack of knowledge. Here are the five most common errors: • Don't leave things out. "Probably the most common mistake of all is the omission of a source of income, typically the interest arising from a bank or building society account, which in some cases can be quite substantial," says Giddens. So before you start, gather together the documents relating to all your savings accounts and investments – statements, passbooks etc. You have to include the interest you receive on bank, building society and other savings accounts, and on any loans to individuals or organisations, including those made via "peer-to-peer" lending websites such as Zopa. You must also include interest received from credit union and friendly society accounts. And if you have enjoyed a payment protection insurance (PPI) compensation payout, any interest included in the payment must be declared, too. You don't have to declare interest from Isas. You must also include dividends from UK companies and unit trusts, open-ended investment companies and investment trusts. • Don't get your numbers in a twist. Another common error is, including the gross amount of interest instead of the net amount after tax that is being asked for. For example, with box 1 on page TR 3, relating to taxed UK interest, you need to put in the net amount – the interest etc after tax was taken off. Some account statements will explicitly give this figure; others just show gross interest and tax taken off. • Is your tax code wrong? Now's the time to check. Thousands of taxpayers may well be paying too much (or too little) tax as a result of having the wrong tax code. In some cases people have received refunds running into thousands of pounds after belatedly spotting that they have been paying too much for years. Your tax code can usually be found on your payslip – it's typically three digits followed by an L, such as "744L", and it tells your employer how much to deduct from your pay packet. If your employer provides you with company benefits, such as medical insurance or a car, you will probably have to pay tax on them. Last year, analysis has found that a quarter of all taxpayers may be paying the wrong amount of tax due to incorrect codes, and added that pensioners appear to be particularly vulnerable to problems. To check you're on the right tax code, try moneysavingexpert.com's online code checker. • Don't forget gift aid. You can tell the taxman about donations by filling in the section "gift aid payments". Gift aid boosts the value of donations by allowing charities to reclaim basic rate tax on your gift: £10 using gift aid is worth £12.50 to the charity. If you pay higher-rate tax, you can claim extra relief on your donations, says Chas Roy-Chowdhury, head of taxation at ACCA (Association of Chartered Certified Accountants). For example, if you donated £100 using gift aid, the total value of your donation to the charity was £125 – so you can claim back £25 if you pay tax at 40%, or £37.50 if you pay tax at 50%. When you're asked about gift aid payments made in the year to 5 April 2012, enter the actual amounts given – don't add on any tax relief that you think the charity will obtain. • Don't forget to pay what you owe! As well as pressing the button to send your form, you must pay what you owe by 31 January – this applies whether you filed a paper or online return. So in conclusion most self employed people are so busy working that they just don't have the time needed to make sure that they are getting all the tax relief that they are entitled to. Many pay the wrong amount of tax and many more are late with their submission or payment. That's why its always better to consult a qualified accountant like Tax Affinity Accountants who can save you a lot of stress, time and money in the long run. Tax Affinity Accountants provide Tax Return services and throughout the UK, and are based in the London Borough of Kingston upon Thames. We have found out that figures show Her Majesty's Revenue and Customs officials made almost 14,400 authorised views of "communications data" on taxpayers during tax evasion investigations.
This compares to more than 11,500 such views in 2010, which equates to a rise of almost 25 per cent, according to statistics released under Freedom of Information laws. Using the Regulation of Investigatory Powers Act 2000, HMRC can access details on what websites are viewed by taxpayers, where a mobile phone call was made or received and the date and time of emails, texts and phone calls. From October 2011 to the end of September last year, HMRC was given 172 authorisations for "directed surveillance", covert surveillance, mainly in public places. This had decreased from the previous year. But critics today accused tax officials of pursuing wrong targets. "HMRC should be focusing on the estimated £35bn lost tax, not snooping on hard-working people,” said Stephen McPartland, the Conservative MP for Stevenage who is campaigning for large companies to be more open about tax. It is not clear how many times the surveillance has led to a successful prosecution for tax evasion or whether those found to be innocent are told that they have been spied on. HMRC did not respond to requests for this information from the members of the press. Officials also refused to disclose how many times it had been given warrants to intercept and read peoples' private emails, or listen to their phone calls. This is the most intrusive type of surveillance, which needs to be authorised by the Home Secretary. It also refused to disclose the number of times it had carried out "intrusive surveillance", which can include covertly filming a person's house, or bugging their property or car. An HMRC spokesman said: "Tackling serious organised crime is a priority for us and access to communications data and directed surveillance have a vital role to play in meeting that challenge. "In 2011 communications data enabled us to prevent £850m of tax revenue being diverted into the pockets of fraudsters. “Our use of these powers is subject to regular independent inspection, ensuring it is both proportionate and lawful." Fortunately at Tax Affinity Accountants we are authorised HMRC agents and can quickly and effectively help in all matters investigations and penalties. Also read this article in the Telegraph. Tax Affinity Accountants are the small business experts, helping the public in grow their businesses in Surbiton, Surrey. You should act as soon as possible to avoid tax penalties. As HMRC are becoming increasingly aggressive in enforcing penalties.
The tax return deadline is 31st Jan 2013 and all self employed people can be fined £100 for late submission in the first month then after that a daily charge of £10 on top of all previous fines. Which if can easily become £380 after just 2 months. Or simply £680 if it is 3 months overdue. This rule applies even if there is no tax to pay or the tax they owe has been paid! Uniquely however, this year the taxman has offered taxpayers a small extension of 2 days before imposing penalties. This is because of a strike by its call centre staff which meant HMRC would not be able to handle a similar volume to last year. At Tax Affinity Accountants, we see far too many people each year who loose a huge amount of hard earned money to fines. While we are experts in Tax and can in many cases successfully appeal for discretionary discounts on fines, the fines are not normally completely cancelled by HMRC especially when they have already given a 2 day extension. So we recommend that all local businesses and self employed people make sure to have their tax returns submitted as soon as possible well before the 31st Jan 2013 deadline. At Tax Affinity Accountants we are an authorised HMRC agent and are very experienced in all types of Tax eg Self Assessment, Corporation tax, PAYE, VAT, Personal Tax, Construction Industry Schems (CIS) to name a just a few and would be happy to help local people resolve their tax issues. For more useful information about accounting and tax accounting issues in Kingston upon Thames visit www.taxaffinity.com/blog Tax Affinity Accountants are Companies House Registered and HMRC Authorised Agents All employers in the UK are being urged by HM Revenue and Customs to get ready for major PAYE changes that come into effect in three months’ time.
In April 2013 employers will have to start sending PAYE returns electronically, using RTI-enabled payroll software, to HM Revenue and Customs (HMRC) each time they pay their employees as part of routine payroll processes. The returns will include details of all employees’ pay, tax and deductions. This new process will replace sending a separate return at the end of the year. To be ready employers should follow these three easy steps: 1. Visit a PAYE Expert Accountant, like Tax Affinity, for comprehensive information about RTI, including how to prepare, payroll software options and hints and tips to help avoid some common pitfalls. 2. Acquire new or updated payroll software – employers will need to talk to their PAYE Expert Accountant or their payroll service-provider (if they have one) about this. 3. Start checking and updating employee information. It’s vital that the information employers have about their employees is accurate and up to date. Ruth Owen, HMRC’s Director General Personal Tax, said: “To avoid a last minute rush it’s vital employers act now, if they have not already done so. “Employers will need to send their first return – called a ‘Full Payment Submission’ or ‘FPS’ for salary or wage payments made to employees on or after 6 April – and if they have 250 or more employees they will have to send an Employer Alignment Submission before the first FPS. “Although reporting PAYE in real time will be straightforward for most, some preparation is needed. There is more to it than simply buying or updating software – although this is key. Employers may need to add employees such as casuals or those below the Lower Earnings Limit to their payroll system and must think about their payroll practices to make sure that they work for real-time reporting.” Background about the new HMRC RTI - PAYE Employers are required to begin to report in real time in April 2013, unless HMRC has specified a different date. The RTI pilot was launched in April 2012 with just 10 employers. Since then, the pilot has expanded three times. By 31 March 2013, HMRC expects PAYE records for around 6 million people to be reported in real time. Reporting PAYE in real time will bring it into the 21st century and will allow HMRC to receive information on employees’ earnings, tax and National Insurance Contributions as they are paid, rather than at the end of the year. RTI will make it easier for employers to administer PAYE and will make tax more accurate. RTI will also support the operation of Universal Credit – the Government’s flagship welfare programme – which brings together means-tested in and out-of-work benefits, Tax Credits and support for housing, and will improve work incentives and make work pay. |
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