‘SUPPORTING LOCAL BUSINESS’


info@causewaytelecom.co.uk 07756159184


global quality, local service


You’re probably well aware of the frustration of trying to speak to your telecoms provider, aren’t you? those long, drawn-out minutes – sometimes hours – of being ‘on hold’ with a call centre that’s often thousands of miles away.


well, causeway telecoms can remove this frustration quickly and efficiently!


for the last seven years, this locally- owned telecoms provider has been providing telecom solutions that are not only customer-driven, but can


offer savings of up to 60 per cent of normal charges!


the company’s success is evident from the number of local companies, which have already switched to causeway telecom, and which are already benefitting from both lower line rental and call charges, and an excellent level of customer service.


causeway telecom’s products and services appeal to companies across many business sectors: from pharmacy and pharmacy support


services to fashion outlets; from retail multiples to small, independent retailers; and from high finance companies to dental surgeries and optometrists.


price and cost savings are, of course, important to any business, but causeway telecom’s customers also benefit from an unequalled level of customer service. And, most importantly, customer service that’s available at a local level.


price-wise, customers can take advantage of a great range of tariffs


Autumn Budget 2017


thE chANcElloR phIlIp hAmmoND pRESENtED hIS fIRSt AUtUmN BUDgEt oN wEDNESDAY 22 NoVEmBER 2017. thIS ARtIclE focUSES oN thE ISSUES lIKElY to AffEct YoU, YoUR fAmIlY AND YoUR BUSINESS.


pERSoNAl tAx – pERSoNAl AllowANcE the personal allowance is currently £11,500. the personal allowance for 2018/19 will be £11,850. however not everyone has the benefit of the full personal allowance. there is a reduction in the personal allowance for those with 'adjusted net income' over £100,000, which is £1 for every £2 of income above £100,000. So for 2018/19 there will be no personal allowance available where adjusted net income exceeds £123,700.


pERSoNAl tAx – tAx BANDS 2018/19 the basic rate of tax will remain at 20%. the band of income taxable at


this rate is £34,500 so that the threshold at which the 40% band begins is £46,350 for those who are entitled to the full personal allowance. the additional rate of tax of 45% remains payable on taxable income above £150,000 for all UK residents.


pERSoNAl tAx – DIVIDEND tAx BANDS Dividends received by an individual are subject to special tax rates. the first £2,000 of dividends (currently £5,000 until 5 April 2018), known as the Dividend Allowance, are charged to tax at 0%. Dividends received above £2,000 and any other income e.g. employment income, savings income etc, are taxed at the following rates: • 7.5% for basic rate taxpayers • 32.5% for higher rate taxpayers • 38.1% for additional rate taxpayers.


cApItAl gAINS tAx the current rates of cgt are 10%, to the extent that any income tax basic rate band is available, and 20% thereafter. higher rates of 18% and


Chartered Accountants & Registered Auditors


+44 (0) 28 90325050 | www.muldoon-accountants.co.uk 46 - phARmAcY IN focUS


28% apply for certain gains; mainly chargeable gains on residential properties with the exception of any element that qualifies for private residence relief. there are two specific types of disposal which potentially qualify for a 10% rate, both of which have a lifetime limit of £10 million for each individual: Entrepreneurs' Relief (ER). this is targeted at working directors and employees of companies who own at least 5% of the ordinary share capital in the company and the owners of unincorporated businesses; and Investors' Relief. the main beneficiaries of this relief are external investors in unquoted trading companies.


StAmp DUtY lAND tAx – RElIEf foR fIRSt tImE BUYERS the government has announced that first time buyers paying £300,000 or less for a residential property will pay no SDlt. first time buyers paying between £300,000 and £500,000 will pay SDlt at 5% on the amount of the purchase price in excess of £300,000. there is a SDlt reduction


of £5,000 compared to the amount of SDlt someone would have previously paid.


first time buyers purchasing property for more than £500,000 will not be entitled to any relief and will pay SDlt at the normal rates. the new rules apply to transactions with an effective date (usually the date of completion) on or after 22 November 2017.


If there is anything in this article that affects you or somebody you know please speak to Steven McVitty for independent professional advice.


and a hassle-free switching process. to top it all off, the concise monthly billing with user-friendly online access means that every step of the process is clear and simple.


If you’d like to know more about what causeway telecom can do for your company, simply email info@causewaytelecom.co.uk, or contact Jonny on 07756159184 to arrange a short appointment.


what have you got to lose?


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