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ONE of the sections of the Party Wall Act 1997 has nothing to do with party walls. Section 6 is all about ground works that are proposed by a neighbour. The


section starts quite


simply but soon turns out to be a bit complicated. If your neighbour is proposing to construct something


than


How deep are your foundations? You may need to know of his own


foundations? Not usually a good idea. The


Act doesn’t stop


require ground excavation closer


which will three


metres


from the edge of one of your buildings (that’s 9ft 8 ins) he may have to serve you with a notice. Note - the ownership of land and the boundary between the buildings has no relevance; it’s the simple distance between actual


buildings


that matters. When would the neighbour have to serve a


notice? when the building. That


foundations The


foundations of notice


happens of


his new build are possibly going to be lower than the


your is


all about having a survey which might lead to the need for underpinning, but that’s where the problem comes in. No one will know with any certainty how deep your foundations are, so if you’re thinking of complaining you will need to carry out a brief excavation to find out, but will a sample pit tell you the answer? Possibly not, because you’ll really need to know the depth along the whole length of all your relevant


foundations, but


who wants to start digging down to, or past, the depth


Matt Giddings


Plasterer and General Builder Over 30 years experience


For a quote please call


07541 364842 Pulham & Co Solicitors


A FULL RANGE OF LEGAL SERVICES EFFICIENT AND PERSONAL


Egmere House, Market Place, Saxmundham Telephone: (01728) 602084 Contact: John Pulham


0505825 Want to learn


a Brass Instrument? (It’s easy!)


All brass instruments taught for all ages and standards Instrument Hire Available


Call Paul Beer on 07973 192176


Tony Brown’s Funeral Service


Established 1979


Owners of the Greenwood Burial Ground, Farnham Floral tributes and memorials supplied Pre-paid Funeral Plans


The Funeral Parlour, New Cut, Saxmundham, IP17 1EH Tel: 01728 603108 Email: tb.fs@virgin.net


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there. If the neighbour’s new build is within six metres - which is quite a long way in building terms, (close on 20ft) he can dig down to a point that is 45 degrees below your foundations without serving a notice. Less than 45 degrees and he doesn’t have to. More than six metres away and, likewise, he doesn’t have to. Yes, a point below 45 degrees below something that’s six metres away will be seriously deep - but it could happen. So the density of housing in a typical


modern


development could easily give rise to queries - if you or your neighbour is thinking of adding a garage or conservatory which is close by another building. Probably


all reputable


architects will be aware of the Party Wall Act of 1997 but it’s worth checking. For further advice about the Party Wall Act 1997 contact Candy Morris at: Messrs Pulham & Co Egmere


House, Market


Place, Saxmundham, IP17 1AG. Telephone (01728) 602084 or e-mail cm@ pulham.co.uk


Financial Focus On…Changing your accounting date


FOR the self-employed or those in partnership, the choice of the annual accounting date can have profound effects. The effect of a differing annual accounting date could mean that two otherwise identical businesses with the same annual profits may end up with substantially liabilities


if their


different annual


accounting dates were a mere 25 days apart.


If you consider that one business draws its accounts to April 5th, whilst the second takes April 30th as its year-end, these dates fall into different tax


years with possibly


differing tax rates, allowances, NIC charges and potentially legislation.


Additionally, for


unincorporated businesses with an accounting date other than April 5th, you may also have something


called “Overlap


Profits” which is the result of opening year profits having been assessed to tax twice or, if the business has been going long enough, on the conversion to the current basis of taxation in 1996/97. Overlap Relief is a credit that is carried forward


until either the business ceases or it changes its accounting date.


Unfortunately, Overlap


Relief is fixed and not index- linked to inflation and will therefore over time be reduced in value in real terms. Whilst a choice of April 30th annually


gives the greatest


of time between earning the money and paying tax on it, there is a sting in the tail for when a business ceases.


For


any given tax year, you are broadly assessed on the profits for the accounting periods that end in that year.


if you draw your accounts to


April 30th annually


Therefore, and


then cease trading on March 31st there are two accounting periods that end in the same tax year giving potentially 23 months of profit falling to be taxed at the same time. Whilst upon cessation any Overlap Relief will be used up, this may be woefully insufficient to offset this problem. In the above example you could either look to continue to trade for another month (in order to finish in the


subsequent tax year) or look to plan ahead in order to change your accounting date a couple of years before you actually do cease trading. Changing


the date can bring


for your accounts amount


review years or so.


accounting the Overlap


Relief forward and is something that businesses should


every few It is particularly


useful where the profits in the year of change are significantly different from the usual level, particularly if


there has been a sudden


drop in your profitability. As HMRC need not know that a non-corporate


business has


changed its accounting date until the Tax Return(s) are submitted, provided that the business keeps its books and records up to date there should be abundant time to allow both the business and accountant to consider whether a change is advisable. There are of course factors why you may have the ideal accounting


date for your


business. For example, your business may be particularly seasonal and shifting the time


OUR bands will be paying their respects on Remembrance Sunday November 10th at the Remembrance Day Parade in Woodbridge and at St Mary's Church, Martlesham in the morning and at Barrack Square, Martlesham Heath in the afternoon.


Looking forward into December, Coffee and Carols is at St Michael's Church Centre Martlesham Heath, IP5 3SL on Saturday 14th between 10am


Martlesham Brass - 'Making Music Fun in East Anglia' and 12 noon.


This year's Christmas Concert is on Saturday 21st December at 7pm, also at St Michael's Church Centre, Martlesham Heath. We would love to hear from new players, young and old, with or without experience. Our aim is to encourage anyone who feels they would like to play in a brass band to come and have a go! If you would like to join us, or if you already play or


when the accounts need to be prepared or a stocktake made to another part of the year may not be practical. Alternatively, you may wish to change your accounting date to align with other similar business interests. As usual, tax is not the only factor.


Due to the very long- winded calculations involved it is impossible to give you concise, meaningful examples of the potential savings to be had. Suffice it to say that


the permutations


computations and are


a change complex,


the principle simple and the savings potentially immense. Whilst


of


accounting date is a perfectly normal thing to consider as far as HMRC is concerned (who even give guidance on how to do it on their website), you do still need to ensure that


the correct procedures


are followed as Rupert Grint (Ron Weasley in Harry Potter) found to his cost when his change of accounting date was rejected by HMRC at a cost of over £1m.


For further information on


any of the above points or to discuss your affairs generally, please contact Robin Beadle at Ensors Chartered Accountants, Saxmundham, 603005.


on 01728


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.


have previously played a brass instrument and would like to come along and meet us, please email join@martleshambrass. co.uk or use the contact details below.


Liz Howard (Publicity Officer),e_m_howard@talk21. com, 01473 625617. Registered Charity No.1100922. Visit our website www.martleshambrass. co.uk


Charity Christmas Card Shop opens in Woodbridge


THE traditional Charity Christmas


Card Shop in


Woodbridge opens at St Mary's Church Centre, 11 Market Hill, Woodbridge IP12 4LP, on Monday 28th October. The shop is organised by


Woodbridge 41Club, and proceeds are used to support local charities and other good causes.


Quiz evening with wine and nibbles


SUFFOLK Wildlife Trust’s Woodbridge Wildlife Group hold their annual quiz evening with


wine and nibbles at


Woodbridge Community Hall on Thursday 21st November, with doors opening at 7pm for a 7.30pm start.


Phil Smith, Chairman of the group said, “The quiz is very interactive, with teams of 4 to 6 people joining together to answer a wide range of questions on wildlife


and


general knowledge. Entry is £5 per person, which includes a glass of wine and savoury nibbles. In order to help us cater for this event, we’d appreciate it if teams could book a table in


advance by calling or


01473 625630 or emailing swtwoodbridge@outlook.com


The 41 Club organiser, Roger Parker commented, “Once again we have a fabulous range of Charity Christmas cards. Our card sales provide valuable income to a range of local and national charities. We are very grateful to St Mary’s Church for allowing us to use space in their Centre and we look forward to welcoming regular and new


customers into our shop. I wish to thank all the local people who help in the shop and make it such a success.”


The shop stocks the largest selection of Charity cards in Suffolk from over 20 different charities. This includes favourites such as RNLI, Marie Curie Cancer, Barnardos, Blue Cross and Amnesty. Additional local charities include St Elizabeth Hospice, East Anglian Children’s Hospices, Somersham Ward, East Anglian Air Ambulance and Suffolk Wildlife Trust.


The shop is open Monday to Saturday from 10am to 4pm, (9.30am to 5pm on Saturday). Please do visit – you won’t find a better selection!


Fun Activity Sessions for Pre-school aged Children THESE will be held from 10.30am to 12noon on the 2nd and 4th Mondays of each month during term times at St Michael’s Church Centre, Martlesham Heath IP5 3PL. All youngsters of 0 to 5 years old are welcome to come along


can play to Bright Stars with


their parents, grandparents, friends, family and/or carers. These mornings are free and usually involve singing, games, making crafts to take home and telling stories from the Bible for the first half hour. So far this term activities have included making paper trumpets


and celebrating


harvest with paper plates covered with pictures of fruit, vegetables and other foods. We then have refreshments


Autumn at Bright Stars children


when the adults can chat and the


until


approximately 12noon. You are welcome to come


along to any of our mornings, just turn up, no need to let us know in advance. We look forward to seeing you this autumn! The Autumn Term session dates are: November 11th, November 25th, December 9th.


If you would like one of our


Bright Stars leaflets with the session dates on it give us a ring on the number below and we will be happy to send it to you.


If you would like further information please contact: Sonya & Maureen Burrows Tel. 01473 625196.


JOHN BALLS GARAGE FRISTON


Tel: (01728) 688 509 Free collection & delivery service 10 mile radius


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• TYRES & EXHAUST • AIR CONDITIONING SERVICING


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