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22 February 2019 Halesworth & Southwold Community News


Halesworth Neighbourhood Plan Steering Group


THANK you to all residents and visitors to Halesworth who have filled in a Neighbourhood Plan questionnaire, either on line or on a paper copy. There were nearly 300 responses in addition to the 70 we had from our public meeting in September. Now the job of analysing and collating the data begins! The


Neighbourhood


Steering Group will use the information to begin putting


a picture together of what’s important to Halesworth residents. We will be trying to find out what people like about the town and what they don’t like. We also want to know what they want to see in our town in the future and what they may have concerns about. Once we have completed the analysis, we will report back on the headline findings. There will be more rounds of consultation, through surveys,


focus groups and meetings, in order to develop workable and realistic content for the Plan. Whatever we produce will be subject to further consultation and ultimately, residents will be able to vote on the final draft. The group would like to


thank all who took part in this round and we look forward to working with the Halesworth residents soon.


Financial Focus On……National Insurance underpayments, overpayments and deferments


Insurance Contributions (NIC) – underpaying and overpaying. Underpayments of NIC can


Tel: 01986 872336


Email: mail@jamison-christie.co.uk www.jamison-christie.co.uk


mail@jamison-christie.co.uk Jamison Christie is authorised and regulated by the Financial Conduct Authority


y? lot.


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Incorporating Juler Tooke Halesworth Incorporating Juler Tooke Halesworth


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www.vandijk.co A FULL RANGE OF ACCOUNTANCY & TAXATION SERVICES


Financial Accounts • Self Assessment • Income Tax • Corporation Tax • Capital Gains Tax Inheritance Tax • VAT • Payroll • Book-keeping • QuickBooks • Sage


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Providing a first class service for generations.


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ALLENS CADGE & GILBERT SOLICITORS FOR OVER 100 YRS


BUNGAY/HALESWORTH/LODDON We can help with:-


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THE PAYE system has been operating in virtually the same manner since its introduction in 1944 – mainly due to its perennial ease of use and, if HMRC are up to date, its ability to make in-year tax rate changes as someone’s affairs evolve. Whilst a PAYE code for income tax can take into account multiple employments and spread your allowances and tax bands between different sources, the National Insurance rules still treat each employment in isolation to every other. It is this isolationism which can cause problems. Broadly, there are two possible problems with your National


occur either through your affairs not being up to date or more frequently if you have more than one part-time employment. For example, were you to have two employments paying £120 per week each, you would pay no NIC on your £240 per week earnings, whereas an employee with only one job paying the same £240 per week would pay £9.36pw NIC (using 2018/19 rates). Whilst it may not sound much, that £9.36pw would credit towards Statutory Sick Pay, Statutory Maternity Pay and more importantly, a credit towards your Retirement Pension. These sorts of underpayments of NIC can often be rectified if your circumstances permit – either by possibly changing the hours you work for an employer, or alternatively by making Class 3 Voluntary National Insurance Contributions (which are also useful for those who have either been abroad or have been undertaking, say, unpaid charity work, in order to increase their entitlements). Overpayments of National


Insurance usually occur when you have more than one employment, or a combination of employment and self- employment. The rate of NIC decreases to 2% as your total earnings pass the upper limits. (The upper limits vary slightly: for employments this is £46,384pa in 2018/19 but for self-employment the point is at £46,350pa). If you had more than one employment/ self-employment combination the fact that each employment’s exposure to NIC is calculated in isolation to another can easily mean that instead of dropping to the 2% rate, you continue to pay at the higher 9% (Class 4 self-employed) or 12% (Class 1 employee) rates. Whilst overpayments of NIC are sometimes repaid automatically (as they very rarely entitle you to any extra benefits), the process is speeded up dramatically if you make a claim – though there are, of course, time limits for making claims so do not delay. If you know in advance of the


tax year that you are likely to overpay NIC as a result of either two or more employments, or an employment/self-employment combination, you can apply


for a “Deferment of National Insurance”. This will mean that you will pay a restricted amount during the year and the Contributions Office will send you a bill for any balance once the tax year has passed. This will prevent overpayments and give you better cash-flow. Finally, whilst this may seem


obvious, please check that your NI number is correct both on any correspondence and on any P60s that you receive. After all, you do not want the NIC you pay to go to help someone else’s contribution record at your expense. For further information on any


of the above points or to discuss your affairs generally, please do not hesitate to contact Robin Beadle at Ensors Chartered Accountants, Saxmundham on 01728-603005. This article seeks to address


general business and financial issues and due care has been taken in its preparation. Ensors cannot accept responsibility for loss incurred by any person, company or entity as a result of acting, or failing to act, on any material in this publication.


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