Peebles

News by Category

A GOOD INHERITANCE

21st March 2016
With more and more people now facing an Inheritance Tax charge on their estate, good planning can protect your estate from the taxman. By Kenneth Logan, MA (Hons) CA Inheritance Tax (IHT) is paid if a person’s estate (their property, money and possessions) is worth more than £325,000 when they die. This is called the...

HOW MUCH CREDIT?

9th February 2016
Is it possible to set credit limits more scientifically than purely using gut feel? by Kevin Ferguson, Partner If you’re in the process of establishing a credit control process for your business, the last element you’re probably considering is how much credit to grant customers. In this article we take a look at whether it...

SELECTING A PENSION SCHEME FOR AUTO ENROLMENT

1st February 2016
Looking at the options available to you and the areas that you should focus on when selecting a workplace pension scheme for automatic enrolment. By Jim Petrie, DipPFS, JRW Financial Services Workplace Pensions is a government initiative to increase private retirement savings. Auto enrolment affects every employer in the UK, even if you only employ...

WHAT IS AUTO ENROLMENT?

21st January 2016
The biggest change to have happened to workplace pensions in generations. By Alan Simpson, Associate, JRW Chartered Accountants The UK Government estimates that more than seven million people are not saving enough for their retirement or not even saving for their retirement at all. Because we are all living longer and living longer in retirement...

A FRESH START

11th January 2016
By Julie Robertson BA FCCA, JRW Chartered Accountants As we start a new year, this is often a time for reflection and making fresh starts. But if you have ambitions that go way beyond renewing your gym membership then this article might be of real interest to you. If you have always dreamt of starting...

THE HELP TO BUY ISA

8th December 2015
The keenly anticipated Help to Buy ISA finally arrived on the 1st December 2015. But who can open one and what does the account offer that other ISA’s don’t? The Help to Buy ISA (HBISA) differs from others in that it was created with just one group of investors in mind: first time home buyers....

BUY TO LET RELIEF CUT

20th November 2015
How will the crack down on mortgage interest relief affect buy to let landlords? By Alan Marlow, JRW Chartered Accountants This year, buy to let lending has accounted for more than 15% of mortgages taken out. If you are a buy to let landlord, you will no doubt be well aware that your earnings are...

NEW TAX ON DIVIDENDS

2nd November 2015
The new dividend tax regime and how it could affect you. In the Summer Budget, George Osborne announced fundamental changes to the way in which dividends are taxed. The changes will not take place until dividend receipts from 6 April 2016 but individuals who extract profits from their company as dividends may need to consider...

PENSION SCHEMES FOR AUTO ENROLMENT

1st October 2015
The Pensions Regulator (TPR) has published some guidance aimed at the 1.3 million small and micro employers who are preparing for pensions auto enrolment. The guidance aims to help employers find a good quality pension scheme. TPR research suggests one in five employers will not seek advice when choosing a pension scheme, whilst one in...

NATIONAL MINIMUM WAGE INCREASE

14th September 2015
National Minimum Wage increases this month As you will know, the National Minimum Wage (NMW) is the minimum amount per hour that most workers in the UK are entitled to be paid. NMW rates increases come into effect on 1st October 2015 as follows: •    The adult rate will increase by 20 pence to £6.70...