We recently welcomed Sophie Armer to the brand new role of Client Manager at RfM’s Morecambe office. Politics graduate and travel addict Sophie tells us about her journey so far and where she’s planning to take RfM Lancaster.
RfM connects clients to a new crowd of lenders
It may have been labelled ‘the Bank of Joe Public’ but more and more businesses are looking to the ‘alternative’ finance industry (also known as crowdfunding) to raise capital, and turning their backs on the banks and traditional lenders.
Budget brings big personal tax changes
In what proved to be a controversial Budget 2016, it was the changes to personal taxes that particularly caught our eye. Here we look at how they might affect you.
What difference will the changes to tax on dividends make to you?
From April 2016, the way dividends will be taxed is changing. If you are a director-shareholder who receives some of your income from dividends, these changes will affect the amount of tax you have to pay in January 2018 and onwards.
RfM client puts in a star performance
Just four years ago, RfM client ST&R comprised a compact team of 15 insurance specialists, occupying, let’s say a ‘cosy’ office space in Chorley. But what the business lacked in decor and facilities, it more than made up for in enthusiasm and drive. Fast-forward to 2016 and the headcount and profit forecasts have grown at a whiplash-inducing rate. So, what is the secret to ST&R’s impressive numbers?
Brave RfM ‘soles’ complete charity fire walk
In defiance of the doubters, three members of staff from our Ulverston office successfully completed The Firewalk Challenge to raise money for RfM’s chosen charity, Furness General Hospital Oncology Unit.
Dividends v salary
Are dividends still the most tax-efficient way to extract profits from your company?
A key advantage of trading as a company is that the owners, who are generally both shareholders and directors, are only liable for tax and NIC on any profits extracted from the company, so any profits retained in the company are sheltered from personal tax rates. If funds are required to reinvest into the business or to repay debt, the only immediate tax hit is the corporation tax charge of 20%.
Beware new tax rules when buying residential property
When the Chancellor announced the introduction of new rates of Stamp Duty Land Tax (SDLT) for buy to let properties or second homes in his Autumn Statement 2015 few perhaps realised how much more complicated property transactions could well become.
Income from property: Interest tax relief
All hopes that the Chancellor would change his mind about the restrictions to income tax relief for landlords of residential properties were dashed in the Autumn Statement when additional charges to Stamp Duty Land Tax on purchases and acceleration of capital gains tax on sale were also announced.
Making Tax Digital – Personal Tax Accounts
In December 2015, HMRC launched the Personal Tax Account (PTA); an early step in the long path of the government’s Making Tax Digital project.
Charity tax exemptions
There can be generous tax relief for charities but only if they are correctly set up and run. As HMRC has recently updated its guidance on the tax treatment of charities now is the perfect time to review the current tax position.
Blessed relief – Advising employees on Marriage Allowance
The Marriage Allowance, introduced in April 2015, lets eligible individuals transfer 10% of their personal allowance to their spouse or civil partner.
Trivial benefit reporting simplified
A number of welcome changes to the taxation of benefits on employees and directors come into effect from 6 April 2016.
5 tips for freelance success
Most of us will at some point have daydreamed about what it would be like to be our own boss. To be able to work when we choose, to make the decisions – to make the money. However, when we think about the time and effort (and the money) involved in setting up a company, developing a product or service and then actually finding customers who want to buy it, the idea no longer seems quite so appealing.
RfM’s Ulverston staff to Walk the Walk for charity
Some have called them brave, others have come up with some quite different adjectives to describe the three members of staff from RfM’s Ulverston office who will be quite literally ‘hot footing’ it along to Barrow Rugby stadium on Saturday 27th February to take part in a Charity Firewalk. Ouch!
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