If you own your home and hope to leave it to your loved ones when you die, you may have wondered what will happen if you have to go into a care home in the future. Could you be forced to sell the property to pay for your care home fees? How much of your home’s value could be taken? And is there anything you can do to protect your estate and their inheritance?
No looking back for fledgling business Heritage Rail
When he set up his new company, Kyle White knew a lot about fixing and maintaining locomotive engines. But he didn’t know anything about running a business. Fast forward 18 months and Kyle has been on a huge learning journey and, with a helping hand from RfM Accountants, is on track to take his business, Heritage Rail, a very long way.
Remortgaging: Get off the interest rate rollercoaster with our ‘Mortgage Watch’ scheme
If your fixed mortgage deal is set to end in the next few months, you’ve no doubt been keeping a close eye on interest rates and wondering what will happen with your future mortgage payments. No one knows whether rates will rise again or start to fall. For re-mortgagers, the big question is: should you secure a deal with the current rates, or wait until your deal ends to see if rates go down?
Fun on the green with our wellbeing team
Staff from across RfM’s North West offices recently came together for a fun day of Crown Green Bowling and outdoor games hosted by our wellbeing team.
Covid support scheme payments still on HMRC’s radar
With Covid support schemes having lost between £3.3 billion and £7.3 billion to error and fraud, HMRC isn’t letting go now. It is still checking that claims for Covid support scheme payments met all necessary conditions.
New employee checks: iPhone users can store NI number in Apple Wallet
HMRC is publicising a new way for employees to provide their National Insurance number (NINO) to employers.
What’s happening with R&D tax credits?
There has been a lot in the news recently about the future of R&D tax credits. However, the changes won’t affect how we submit claims for our clients, and we are continuing to do so.
HMRC detective work leads to eBay trader tax bill
Online marketplace sales is an area where awareness of tax is often low, and traders can find themselves with unexpected ‘fees’.
Voluntary National Insurance contributions – plugging the gaps in your NI record
Having gaps in your National Insurance record could mean you won’t have enough NI credits to get the full State Pension in the future. You may be able to rectify this by Paying Voluntary National Insurance contributions.
Don’t get caught out by the Child Benefit charge
If you or your partner claim Child Benefit, keep the High Income Child Benefit charge (HICBC) in mind.
New GDPR guidance: Subject access requests
Under GDPR, individuals have the right to a copy of the personal data that your organisation holds about them – often known as a subject access request. The ICO recently issued new guidance for businesses and employers about how to deal with SARs.
What is extended producer responsibility for packaging?
Extended producer responsibility for packaging (EPR) is part of the government’s pledge to eliminate avoidable waste, and recycle a greater proportion of municipal waste. We outline the new rules and responsibilities for packaging manufacturers and importers.
RfM appointed official delivery partners for the Regionally investment service
RfM Accountancy Group and its business consultancy division, RfM Transform, are pleased to announce their appointment as exclusive partners for the newly established North of England Regionally investment service.
Why you shouldn’t rely on the intestacy rules to pass your estate on to your loved ones
The UK’s intestacy rules don’t always work in favour of less traditional families and relationships. This can lead to unexpected stress and hardship when a loved one dies without a Will.
Partner profile: Paul Newsham
How we do our job has changed. The way we do business is just the same.
Paul Newsham has been Partner at RfM Accountants for almost 30 years and with the business since 1990. Over his time at RfM, he’s witnessed huge shifts in the way staff carry out their jobs and work with clients. Paul gives us an insight into what accounting life was like in the ’90s, how things are done today, and why it’s good that some things have stayed the same.
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