HARWICH G.M.T. – Aldeburgh minus 1hr 3 mins (Heights are for Harwich expressed in metres)
TIDE TABLES July 2019
Financial Focus On…saving tax when married
IF you haven’t already, now is the time to check to see if you can benefit from the Transferable Married Allowance (TMA). As you can only make an election for the TMA to apply up to four years after the end of the tax year to which it relates, the current 2019/20 tax year is the last time that you will be able to backdate any claim needed to 2015/16 when this allowance was introduced. So what is the Transferable Married Allowance? The TMA is the ability for one spouse to transfer 10% of their personal allowance (PA) to the other.
In its simplest
form, it allows a couple to save income tax where one of them may not have fully utilised their personal allowance – perhaps because they only work part time on low income. Although it was originally intended to be restricted to those who have unused personal allowances, it is available for anyone who is a basic rate taxpayer to transfer 10% of their PA to their spouse. This is particularly
where other allowances can be used such as the dividend or savings allowances, have foreign tax credit available or have restricted finance reliefs available from let residential property income.
News from Framlingham and Saxmundham Cats Protection
NEWS from Framlingham and Saxmundham Cats Protection AS we write, many litters of unwanted kittens have been arriving. All needing lots of care and attention, ably given by their dedicated fosterers. All needing money raised by fundraising
for their welfare. Why are so many unwanted litters still being born? Cats Protection and other animal charities offer advice, and often free neutering vouchers to help control the issue but it appears the message is not getting through. Please, if you have an un-neutered cat, whether male or female, have it neutered as soon as possible. Your cat will be happier, less likely to roam and the risk of contracting infections through fighting will be reduced. Ask us or your vet if you need advice. Cat Advice:
Not all cats
enjoy a cuddle! To many of us a hug or cuddle makes us feel loved and wanted. This is not always true of our feline friends
as few like to feel
restrained. The majority of cats like their own space and
show affection very much on their own terms.
Obvious signs that a cat
is unhappy with too much attention are easily spotted as they may jump out of the way, hiss, or fluff up their tail. Some signs are a little more subtle. Crouching or shrinking away as you approach. Avoiding eye contact and turning its head away. Flicking its tail. Sudden grooming as you approach. Dilated pupils. Ears turned back or to the side for more than a couple of seconds. If you spot these signs it is important to leave the cat alone to avoid them becoming stressed which could lead to unwanted behaviours like spraying, scratching furniture or worse, you.
If your cat does not appreciate cuddles, don't despair. There are lots of things you can do to show them you love them without gathering them up for a hug. Slow blinking in your direction is the ultimate sign that your cat trusts you. If you do it back to them they will know that you trust them too.
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Units 1 & 2, Station Works, Main Rd, Darsham JULY 2019 050585 Playing with toys such as
fishing rods and catnip mice is important for cats, as it allows them to express their natural hunting behaviour and releases feel-good hormones in their brains.
Most importantly, let them come to you. Cats are control freaks and like
to be able
to decide when and where they interact with others. Instead of picking them up and restraining them, let them approach you on their own terms for a stroke or a chin rub. Offering a few treats may help to encourage them, too. Looking for a home: This beautiful shiny black lady, with stunning bright eyes is Rocks who is a very friendly four year old. Rocks is very affectionate and good with children; she would make a lovely addition to any family. Call soon if you can offer this lady a new home.
See our website: framandsax.
or telephone 01728 723499 for more information about adopting cats in our care; event dates; neutering; cat-care leaflets; how to become a volunteer fundraiser or fosterer and other ways you can support us. Also find us on Twitter, Facebook, Instagram and YouTube.
To qualify, the following must apply:
Both of you must have been born on or after 6 April 1935; You must be married or in civil partnership for the whole or part of the year; Neither of you should pay income tax at rates above the basic rate of tax (remember you can extend your basic rate band with Gift Aid donations or pension contributions). The allowance must be
gifted from the donor – it cannot be claimed solely by the recipient
How much is it worth? The TMA relief is limited to the basic rate tax of 20% of the amount of allowance transferred (Scottish taxpayers have their own rates).
the actual savings are also applicable to your personal circumstances, the amount saved will vary from person to person, but the maximum savings are: 2015/16 £212; 2016/17 £220; 2017/18 £230; 2018/19 £238 and £250 for the current 2019/20 tax year, which may lead to a healthy refund if you qualify but have not claimed before. Remember that after the end of this tax year, you will only be able to backdate a claim to 2016/17. (Usually, if both spouses pay income tax at 20% and their
affairs are straightforward, there is often no benefit and therefore no need to claim). Where do I claim? There are several ways to apply to gift the Transferable Married Allowance to your spouse.
through your Personal Tax Account (if you have set one up with HMRC), apply online at
you could merely wait until after each tax year has ended and decide then whether or not it is possible to make a solitary retrospective election each year in isolation.
You can apply
allowance, through your Self-Assessment Tax Return (should you file one) or by calling HMRC direct. If your spouse as recipient is under PAYE, they will receive an additional allowance in their PAYE code, or if under Self- Assessment, as a credit to their Self-Assessment Account. Once a claim has been made, it will remain in force until
either withdrawn by
the donor, either the donor or recipient cease to qualify (most commonly if they stray into the 40% tax bracket) or if the marriage or civil partnership comes to an end. Non-residency and death can also cause issues although executors/ personal representatives can also make claims on behalf of the deceased. If you find you have stopped qualifying for some reason, you can reapply once you re-qualify.
Whilst not a major tax saving, this relief is gradually improving
as the Personal
Allowances increase and if you have not claimed before, there may be a nice income tax refund that could be claimed. Just don’t leave it too late as after April 2020 you will not be able to claim the TMA for 2015/16.
For further information on any of the above points or to discuss your tax 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. Specialist advice should always be sought in relation to your particular circumstances.
Fri 5th & Sat 6th July at 4.45 & 7.30
Sun 7th July at 3.00 & 7.30
Mon 8th & Tues 9th July at 4.45 & 7.30
Wed 10th July at 3.00 & 7.30
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Pulham & Co
Solicitors 20% off voucher for standard Wills during the month of July 2019
Standard single Will £110 + VAT/Mirror Wills
Thurs 11th July at 4.45 & 7.30 Fri 12th & Sat 13th July at 7.15 Sun 14th July at 3.00
Mon 15th & Tues 16th July at 7.15 Wed 17th July at 3.00 Thurs 18th July at 7.15
Himesh Patel & Lily James in
YESTERDAY 12A ——————————————— Fri 12th July at 5.00 Sat 13th July at 3.00
Mon 15th, Tues 16th & Thurs 18th July at 5.00
THE SECRET LIFE
OF PETS 2 PG ——————————————— Sun 14th July at 6.00 Wed 17th July at 7.15
Taron Egerton & Richard Madden in
ROCKETMAN 15 ——————————————— Fri 19th July at 4.45
Sat 20th & Sun 21st July at 3.00 Mon 22nd & Tues 23rd July at 4.45
Wed 24th July at 3.00 & Thurs 25th July at 4.45
Disney/Pixar Animation ...
TOY STORY 4 U ——————————————— Fri 19th - Thurs 25th July at 7.15
Tom Holland and Zendaya in SPIDER-MAN: FAR
FROM HOME 12A ——————————————— Fri 26th July at 4.30 Sat 27th July at 3.00
Mon 29th July - Thurs 1st Aug at 4.30
THE QUEEN’S CORGI PG
——————————————— Fri 26th July - Thurs 1st Aug at 7.15 (excl. Sat 27th July)
Sasha Luss and Luke Evans in ANNA 15
——————————————— Fri 2nd - Thurs 8th Aug
Walt Disney Pictures’
THE LION KING PG Tel: 01728 830549
LEI 5/FRAM 5
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