■ Clillierov Advertiser & Times, October Hilt, l'MU


Fun night out for


your dog


IF you arc in danger of going to the dogs, then the newly-formed Clitheroe and District IJog Agility Club could be just what you need.


formed by a group of enthusiastic volunteers who, with dog trainer Tony .Jackson, want to bring some fun and excite­ ment into the ordinary dog owner's life.


The club has been


just your enthusiasm,” says secretary Mrs Jean brown.


welcome, small to large and in-between. We are not looking for superdogs,


spare on a Friday night, would like some fun and a challenge for the winter months ahead, why not join us in the indoor riding arena at Drake House S t a b l e s , in W e s t Bradford?”


to try their paws at tack­ ling overjumps, dog walks,


Dogs will be invited to


tunnels, see-saws and other obstacles.


further details can be obtained by telephoning


er training session, and p The cpst is £2.50. per dog


Mrs Elizabeth Ball (025-1 82207!)) or Mr Alistair Johnson (0254 823293).


"If you have an hour to “All breeds of dog are Clitheroe 22321, (Editorial), 22323 (Advertising). Burnley 1,22331 (Classified)


Observer walk


in city


MEMBERS of Clitheroe Ramblers braved wet weather and set off for an observer walk round Lan­ caster, calling at mainly 18th century buildings and also the castle, priory and Roman baths. The group of 1!) walked


'I!—


behind the embankment towards Potts Corner and along the shoreline down to Sunderland Point, after visiting Sambo’s grave. Many waders were seen as the high tide receded. The 18th century build­


% ____


ings of Sunderland and the kapok tree were noted, before they made their way back along the cause­ way to Overton, where they visited a pub and enjoyed a display of 3,000 birds’ eggs. Leading the ramble was Mr John Whitehead. The next walk will be


i


A MEMORABLE house warming marked the opening of the new The evening was followed by a well attended open day and con- Clithcroc Community Church.


. eluded the following morning, when the building was officially


venues, ranging from a cricket club to a secondary school, but “It was a brilliant weekend. The banquet was both a celebration finally found their own home in the mission hall on Millthorne antj a thank you to all those people who have worked on the Avenue.


Members of the church have been meeting for years in different dedicated, They have now finished restoring and extending the building, day, we just had a constant stream of people/* ers and electricians who helped to refurbish the building. . . a.m. every Sunday. opening/* said church leader Mr Brian Clark. “Then, on the open


W The lien*ing"of"nf/cciUrc^wu^cclebrated with u banquet, Our photograph shows a few of those who attended the banquet . . .


attcndcd'by 'members and b-Iondslas well as the joiners, plumb- at The King’s Centre, which will be holding services at 10-30 - ■ • • •


i j


I Reading ■ 1 Passport ■


X i 1 -3 ' TOKEN I


f i g : •. W&i '


MOWE — WILSON


A honeymoon in the Cotswolds followed the wed­ ding of Miss Sarah Jane Wilson and Mr Alun Ste- phen Mowe at St Leonard’s Church, Langho. The bride, a sales and service representative, is the only daughter of Mrs B. Wilson, of Painter


Wood, Billington, and the late Mr P. G. Wilson. The bridegroom, a business consultant, is the


second son of Mr and Mrs N. Mowe, of Hereford. The bride, given away by her brother, Mr Ned


held on Saturday to lime­ stone country. Ramblers should meet at 0-30 a.m. at Waterloo car park, Clitheroe.


Pauline Wilson, the bride’s sister-in-law. They wore ballerina-length dresses of forest green,


bouquets.


cousin, and usher was Mr Michael Sandbach. The ceremony, which was performed by the Rev. Quentin Wilson, was followed by a reception at the Pines Hotel, Clayton-le-Woods. The couple are to live in Painter Wood, Billington. Photograph: Trevor Adams Photography,


Accrington. FINANCIAL ADVICE THAT’S


ARE you self-em­ ployed or a higher rate taxpayer? If so, watch


out for wasted tax! Nobody likes paying tax and yet, as a nation, we


seem to be pretty bad at organising our affairs to keep our tax bills to the


missioned by I FA Promo­ tion, revealed that up to 30 million people in the UK paid too much tax last year, handing over to the Inland Revenue an incred­ ible £8 billion, which could


minimum. A recent report, com­


AN A D V E R T IS IN G F E A T U R E


have been saved if they had taken more care and rearranged their affairs with tax efficiency in mind. Tax is a particular prob­ lem for the self employed


CONSULT THE


PROFESSIONALS FOR THE BEST INDEPENDENT ADVICE


P E R S O N A L & C O M M E R C I A L F I N A N C I A L P L A N N I N G


D A V I D


B O D I L L I n d e p e n d e n t F i n a n c i a l


S e r v i c e s FREE INITIAL


CONSULTATION


- CO R PO RA T E P E N S IO N S & SSAS • PA R TN E R SH IP A S SU RA N C E • KEY MAN A S SU RA N C E • EM PLO Y E E G R O U P P EN S IO N S - BU S IN E S S P LA N N IN G & CO N SU L TA N C Y


and those high income earners paying at the 40% rate. These two groups, however, probably have more incentive and more scope for tax saving than any other sectors of the population. The IFA Promotion


• TA X E F F IC IE N T IN V E S TM E N T • M O R TG A G E S ARRANGED • PER SO N A L P EN S IO N S • R E T IR EM E N T IN C OM E P LA N N IN G - L IF E A S SU RA N C E • S C H O O L FE E S P LA N N IN G - IN H E R IT A N C E TAX P LA N N IN G • TA X P LA N N IN G - F IV E YEAR PLANS


PERSONAL PROFESSIONAL ADVICE YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPA YMENTS ON A MORTOACE OR OTHER LOAN SECURED ON IT. WRITTEN DETAILS ON REQUEST.


MORTGAGES ARE NOT REGULATED UNDER THE FINANCIAL SERVICES ACT 1911.


0 2 8 2 4 1 6 4 1 6 A S K F O R D A V I D B O D I L L 5 2 / 5 4 C O L N E R O A D , B U R N L E Y


G reater Re tu r n s


You’re Better O f f With Bowland


R in g B a r r o w fo r d 695555 or B r ie r c l i f fe 455555


For free independent, tax, investment and insurance advice.


Mmifcomt Ltd FsudcIa Advertising


coordinated by


B Bewlamd FinmntUl D Limited it * member a f FIMBRA S ec u ri n g A Bette r Futur e


MONKS Tel:


CHRIS


4 2 6 1 6 1 Ext 213____.


R.M.Armstrong and Company INDEPENDENT


tompus habomus' TAX PLANNING is the arrangement of one's affairs legally in such a


way that tax liability is reduced. As independent financial advisers, we must have a keen regard for TAX PLANNING when we counsel our clients whatever the subject:- INVESTMENT - We already have clients (husband and wife) with nearly £100,000 in Personal Equity Plans (i.e. no income tax nor


capital gains tax).


Each individual, including spouse and children, can release up to £ 5 8 0 0 n e t g a in s e a c h y e a r . W h e r e n e t g a in s a r e le s s th a n £ 5 ,8 0 0 ,


, , •bed and breakfasting' further profits can maximise an under used tax


BACKHOUSE INDEPENDENT FINANCIAL SERVICES LTD


OAKMOUNT HOUSE, BURNLEY BB111TP


T e lep h o n e : 0282 831831 Fax: 0282 414924


For "Best Advice" on your Mortgage, Pension, Life & Health Assurance, Investments & Tax Planning


For a free consultation on all your future Financial Planning contact us at the above address


A member: The Steven Backhouse Group of Companies Ltd.


BIIBA


BWIBH tJSURANCE & WVESIMENT BROKERS’ASSOCIATION


' 3T


Dtfp(§SITS - Emergency funds, normally exposed to annual taxation, whilst resting in banks or building society would compound gross in an offshore money fund. Children's monies would similarly grow in this way until 18 when they would set interest against their personal


allowance PENSIONS - Wives are generally, because of children, less well


pensioned than their spouses, so acceleration is possible with tax saving (e.g. free standing additional contributions can facilitate early


INHERITANCE TAX - Substantial inheritance tax savings can result from a well drafted will. Beyond this, we aim to have the money in the right position in the event by using exemptions, trusts and other reliefs. BUSINESS EXPANSION SCHEMES - With the deadline of 31st December, 1993, 40% relief on up to £40000 has only a few short


We are pleased to advise on these tax savings 1, Accrington Road,


weeks left.


Whalley, Lancs. BB6 9TD


Tel: 0254 324206 Fax: 0254 824444


FINANCIAL ADVISERS I


report isolated three areas of tax waste — tax paid in error; tax paid which could be easily avoided; and tax which could be saved by making rather more com­ plex arrangements. It then illustrated how sig­ nificant savings could be made by both the self-em­ ployed and high earners under all three headings. Error waste, though the


accounted for just over £3.1 billion of the £8 billion total, with the largest individual item arising from people not utilising fully the favourable tax treatment of pensions. Contributions to pensions attract tax relief at the highest rate paid, but very few people make full use of their allowances. The report estimated


million higher rate taxpay­ ers used life policies more, the total tax saving would be £37 million each vear. With the rapid growth


sumers can ring the IFA Hotline (0483 461451) for a list of six IFAs in their area.


that if all taxpayers aged over 45 but under retire­ ment age devoted an addi­ tional 7% of their income into this form of long-term saving, a total of £1.6 billion of tax could be saved. A further £1 billion


smallest element of the £8 billion total, is a particular problem for the self-em­ ployed, with their more complex accounting struc­ ture. The Inland Revenue paid back over £245m in the 1991/92 tax year, which was found to have been paid in error. But this was just the amount that had come to light. As the numbers of the self- employed have increased, so too has the opportunity for error. Checking your tax returns thoroughly is essential. Easily avoidable error


FINANCIAL ADVICE EXPERIENCED PROFESSIONAL


in equity and property values in the 1970s and early 1980s, many more people are now swept into the inheritance tax net. The report concludes that at least half of the total £1.3 billion which the Inland Revenue took in last year could be avoided. The third category —


tax which can be avoided with rather more complex planning — constitutes the


could be easily avoided if people, particularly those in the 40% tax bracket, made greater use of tax efficient investment vehi­ cles such as PEPs and TESSAs. PEPs are an entirely tax-free way of holding shares and yet, of 13.5 million share or unit trust holders, 9.9 million do not have a PEP. Simi­ larly, for any taxpayers with money in a building society, the TESSA, which pays interest gross, is well worth considering. Highest rate taxpayers,


largest area of potential saving, being almost £4 billion last year. Within this total, the biggest sin­ gle items relate to couples not using their allowances effectively and not taking advantage of differential rates. Independent taxa­ tion opens up a whole vista of potential savings, where one partner pays tax and the other does not, or where one is taxed at 40% and the other at the basic rate. Both the self-employed


in particular, should also make greater use of other tax exempt products, such as certain National Sav­ ings vehicles, Friendly Society policies and quali­ fying lire insurance poli­ cies. The IF’A Promotion report calculated that if only a quarter of the one


available by writing to: Taxplanner, IFA Promo­ tion, Studio House, Flow­ ers Hill. Brislington, Bris­


A free “Taxplanner” is


taxation can change. The reliefs referred to are those which currently apply. The value of such reliefs depends upon indi­ vidual circumstances. The value of shares and units


tol B54 5TJ. The levels and bases of


can fluctuate and may be less than the amount invested.


COOK & SMITH Cook Be Smith (Insurances) Limited


Wade House 2 Church Brow Clitheroe Lancashire BB7 2AA


C l i lh e io c 's Homo ol Insunmco FOR


LIFE PENSIONS AND INVESTMENT PLANNING


In co p o ra lin g t ♦ Personal pensions


♦ Monthly Savings Plans Lump sum investments


and those on higher incomes have a greater than average freedom to manoeuvre their finances in such a way as to mini­ mise their tax bills. The potential savings, as the report shows, are huge, but sound impartial advice in this often complex area


♦ Friendly Society Investments* ♦ Redundancy Accident & ♦ Mortgage Plans* ^ TESSA'S* 4 PE P 'g


- ^ School Fees Planning*


Critical Illness Cover Sickness Cover*


-— — . . , . ~ ♦ Permanent Health Insurance*


Life Assurance Private Medical Insurance*


Telephone (0200) 22381-2 rax (0200) 29191


Best man was Mr Michael West, the bridegroom s , , . , , In attendance were Miss Gillian Walker and Mrs ,


Wilson, wore a full-length ivory gown with peach and green embroidery on the bodice, skirt and sleeves. Her circlet headdress of peach and ivory roses matched her bouquet.


with matching floral jackets. Their circlet head­ dresses of peach and ivory roses also matched their


.


is essential. With tax matters, it can


certainly pay to take an independent view. Con­


These services are not regulated by FIMBRA


27 FOUNTAINS AVENUE, SIMONSTONE, BURNLEY APPOINTED REPRESENTATIVE OF


Personal, Private and Confidential Independent Financial Advice


Personal appointments made at the venue of your choice


The Bungalow, Newfield Farm. Higher Red Lees Road, Cliviger, Burnley, Lancs.BBlO 4RF. Tel: 0282 35285________________


Chester E d w a r d


Chartered Accountants • Registered Auditor Established over 100 years


&


Business start-up advice Cash flow forecasts Preparation of interim and annual accounts Auditing Company formations


_ Tillin'* fiipii’iiimiiMiii


CII.MlTKHKlI .\(TMM.VVTS


S o n


❖ Investment & taxation advice ❖ Book-keeping ❖


Pay roll (including year end returns) VAT reg & returns Computer services


3 6 King Street, Clitheroe Lancs. BB7 2EX


Telephone: 0200 25126 or 0200 29021


Registered to carry on auditwork and authorised to carry on investment business by the Institute of Chartered Accountants in England and Woles


IE,


NEW IN BUSINESS? LOOKING FOR AN ACCOUNTANT


TAKE ADVANTAGE OF OVER 25 YEARS IN PRACTICE IN BLACKBURN TO GET THE PERSONAL SERVICE & HONEST PROFESSIONAL ADVICE YOU'RE LOOKING FOR


Egan Roberts


TONY EGAN FCA, KEITH ROBERTS BA, ACA o.ft 'I Ita


NEW MODERN OFFICES EASY PARKINGI


T? SPECIALIST IN HELPING NEW ^ BUSINESSES! FREE INITIAL CONSULTATION WE ARE JUST WHAT YOU ARE LOOKING FOR1I


« SOUND BUSINESS ADVICE • AUDIT • ACCOUNTANCY • TAXATION • FINANCIAL PLANNING


CLITHEROE (0 2 0 0 ) 2 7 0 3 0 1 NEW MARKET STREET, CLITHEROE BB7 2JW


______________FAX N O . (02541 2 6 3 5 6 1 ______________


B LA C K BU RN (0 2 5 4 ) 5 8 3 5 1 5 GLENFIELD HOUSE, PHILIPS ROAD. BLACKBURN BB1 5PF


\ i


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30