Straight from the horse’s mouth

A GUIDE TO PAPERLESS DRIVING LICENCES

29th June 2015
On the 8th June 2015 the paper driving licence disappeared as part of the UK government’s policy to streamline services and save money.  In fact the DVLA are advising that paper copies should now be destroyed unless your licence dates back to pre 1998 when the photo cards were introduced and even if you do...

10 COMMON RIDING FACTS

26th May 2015
In the Scottish Borders May to August is Common Riding Season with each town choosing its principal in May and then Common Riding season starting in earnest with the Hawick Common Riding.  Ride-outs involve hundreds of horses to mark the boundaries of the town and celebrate the town’s and regions rich history. If you have...

THE NEW MARRIAGE ALLOWANCE

21st April 2015
On 6 April 2015 a new Marriage Allowance came into effect, offering tax benefits for eligible couples.  The allowance applies to married couples and civil partnerships where one of you doesn’t pay tax and the other doesn’t pay more than the basic rate of income tax (20%).  It allows the non-tax payer to transfer up...

HAVE YOU DONE YOUR HOMEWORK?

18th March 2015
Are you one of an increasing number of people who work from home? The number of people working from home has risen to its highest level since records began -according to the Office for National Statistics. There were 4.2 million home workers in the UK in the first three months of 2014 amounting to 13.9%...

ELECTRIC MOTORING

12th March 2015
As motorists, our growing demand for reduced costs and greater efficiency coupled with increased choice and performance, has resulted in a quadrupling of plug in car sales. By Robert J Johnstone, Associate, JRW Chartered Accountants There has been a huge surge in demand for ultra-low emission vehicles in the UK, with sales of electric and...

ARE YOU READY TO CATCH THE TRAIN?

19th February 2015
You certainly don’t need us to tell you that the new Borders Railway is making excellent progress and is right on track for its official September launch date.   As the longest new domestic railway to be constructed in Britain for over 100 years, this is undoubtedly one of the most exciting developments to have...

UK PENSION REVOLUTION

5th February 2015
A huge change in the way people fund their retirement is expected following the Chancellor’s well reported ‘pension revolution’. From 5th April this year, millions of people reaching retirement age will be able to spend their pension pot in any way they want. The move will remove the requirement on many people with defined contribution...

IS FRANCHISING RIGHT FOR YOU?

22nd January 2015
Ask someone to name a famous franchise and they will probably say MacDonald’s or Subway but there are numerous kinds of franchises out there in the market place. In relation to any other small business, franchising has proved to be successful, with 94% of units still operating profitable businesses 5 years down the line whilst...

INHERITANCE TAX EXPLAINED

21st January 2015
It might surprise you to know but Inheritance Tax (IHT) is starting to become more of a concern to many people, the main reason for this being rising property prices. Most estates (the assets you leave when you die) are still not charged with Inheritance Tax, as the total value is not high enough, but...

UNIVERSITY CHALLENGE

19th January 2015
With record numbers of UK students being accepted for full time university courses, it will come as no surprise to you that that young people across the UK are more likely to begin university than ever before. With almost 496,000 students beginning full-time undergraduate courses last year, this means that 40% of young people in...