Clitheroe 422324 (Editorial), 422323 (Advertising), Burnley 422331 (Classified), www.clitheroetoday.co.uk should learn basic tax rules to make the most of their money


GIVEN that the average student leaves university with around £12,000 worth of debt and that the interest rate payable on student loans is set to rise steeply this Sep­ tember*, it is no surprise that many students in the North West will be looking for part-time and summer jobs supplement their incomes. ACCA (the Association of Chartered


Certified Accountants) is, therefore, reminding new and existing students to make the most of their hard-earned cash by being aware of their tax liabili­ ties and any tax rebates to which they


may be entitled. ■ Ilyas Patel, ACCA's Spokesperson for the North West, said: "Every penny counts for most students, which makes it essential that they are aware of their tax obligations and any rebates for which they could be eligible." To help students, ACCA has prepared a


number of tax tips. ■ If you have worked before or claimed


Jobseekers Allowance, you should provide your new employer with a P45 form imme­ diately; otherwise you will be taxed at 22% on all your income. If you do not have a P45, ask your new employer for a P46


year without being taxed. Beyond this amount, you will be taxed at 10% up to £6,575, and at 22% between £6,575 and - £35,115.


■ You can currently earn up to £4,615 a B If you work during holidays and do


not expect to earn more than £4,615, your employer should complete form P38(S), which allows your wages to be paid gross B If you have earned less than the


annual personal allowance of £4,615, you can reclaim any tax which you have paid dining the year. Contact the Inland Rev­ enue for a repayment claim form - you can find the telephone number of the nearest office to you by looking under Inland Rev­


you must pay Class 1 contributions, which stand currently at 11% of earnings and at 1 % on earnings above £595 per week. B If your total taxable annual income


enue in your local telephone book. B If your earnings exceed £89 per week,


exceeds £4,615, you will have to pay tax on Jobseekers' Allowance and on interest from most savings accounts B Leaflet IR60 on the Inland Revenue's


website (www.inlandrevenue.gov.uk) has more information on income tax as it applies to students


‘From September, the rate will rise from 1.3% to 3.1% - an increase of 138%.


Why these two chose St Martin’s College ... 1


second year of a four-year, teacher training course. Although there is a lot of work, I am thoroughly enjoying myself. The small campus at St


tin’s, I hope to become a teacher at a secondary school in the North West region. Through my course, I have already learnt a lot academically as well as what will be expected of me, professionally, in my chosen career, which is just as important. Andrcn-Elizubctli Melling


Martin’s means you can always see friendly faces round and about. St Mar­ tin’s has a great, friendly atmosphere. There’s always someone you know around, which makes a big differ­ ence, if you’re feeling down or a bit homesick. When I leave St Mar­


tion through talking to my fellow students and through talking to primary teachers in the North-West region. Currently, I am in my


I CHOSE St Martin’s after hearing about its good rep­ utation for producing high­ ly trained teachers. I had heard of its reputa­


ies with Health Studies and I have really enjoyed it so far.


a sound knowledge base, which I now apply to part- time coaching jobs. The Sports Department


The course has given me


lege has something for everyone. There is the opportunity to join clubs in most sports and activities. The two bars on campus always have things going on every nightl It took me 20 seconds to


staff includes successful international and national league coaches, who serve as role models for trainee coaches like myself. < Socially, St Martin’s Col­


SOME people like the big city life but for others .it is intimidating. I chose St Martin’s College because of its friendly atmosphere. It makes a refreshing change to find such a close-knit, friendly community. I am taking Sports Stud­


TV LEVELS AND BEYOND Clearing website is officially launched


CIVIL Engineering student Scott McK- avett is offering advice to A-level students searching for a university course as part of the launch of the University of Bradford’s innovative Clearing website. The website will help students success­


fully get the most out of the clearing process.


undergraduate studying Civil and Struc­ tural Engineering at the University of Bradford. But not long ago he was in the same situation as thousands of A-Level students who, each year, for whatever rea­ son, go through the clearing process. Scott said: “I didn’t apply through the


Scott, from Burnley, is now a successful


make my first friend at St Martin’s and the others fol­ lowed very rapidly. Lan­ caster is a great place to be a student, and I would rec­ ommend St Martin’s Col­ lege to anyonel


Steve Watson


Modern apprenticeships - what it takes to go further


IF you are aged 16-24 and leaving, or have already, left school or college, and are eagerly awaiting or receiving your exam results, then a Modern Apprenticeship could be for you. The Modern Apprenticeship pro­


gramme is funded locally by the Learning and Skills Council Lan­ cashire. There is a wide range of occu­ pations on offer, from construction and motor vehicle to business admin­ istration and engineering. Modern Apprenticeships usually last for two years, and there are no set entry requirements. As a modern apprentice you get


with key skills that will be useful in the job market - like working in teams, problem solving, communica­ tion and using new technology. In addition, you will study for a techni­ cal certificate to give you further knowledge and understanding of the job.


work-based learning that gives you the hands-on experience to choose a career. You also gain the qualifica­ tions and skills to help you get on - and you get paid. You are supported by a learning provider to equip you


, ' • S.', „ I*


Courses available at St.Martin's'


*• Accounting & Finance • Business & Management


.•. Child, Young Person & Family i.\ Studies ^ Christian Ministry r ;>


• Community & Youth Studies , • Counselling • Drama / • English • Environmental


' t Geography • Ethics


• Fine Art • Geography • Health Promotion ( < • Health Studies • History


ws Information-Technology.vn« ,; • •, Mathematics • Nursing • Occupational Therapy ’ > • Outdoor Studies • Philosophy and Society,


'• Psychology •. Radiography ■ • Religious Studles/Thcology • Social Science • Sport & Exercise Science w • Sports Studies • Teacher Training • Tourism, Leisure & Recreation, Management


' Why not visit us.


12.00 - 16.00 on Sat 16th & Suni7th August' at each campus or by'appointment .• s f t ’%'S';’


Be the best you can be at SMC: :


, - L a n c a s te r • A m b le s id e • C a rlisle* Ion our FREEPHONE, • ••


...or contact us 0 80 80 024 024 ■ ' , ,« t


modern apprenticeships. Foundation Modern Apprentices (FMAs) have a job and a wage, or are on a work placement with a weekly training allowance. An FMA takes at least 12 months to complete and leads to NVQ Level 2 and a technical certifi­ cate. The work is mainly practical, developing technical skills and gain­ ing valuable work experience. There is also the opportunity to progress to


There are two different levels of


an Advanced Modern Apprentice­ ship.


(AMAs) are in full-time employment with an appropriate wage, aiming for a technical, supervisory or junior management role. The training, which usually lasts for at least two years, leads to NVQ Level 3 and a technical certificate. For many, an AMA is a stepping-stone to universi- ty.


Advanced Modern Apprentices


about the Modern Apprenticeship programme contact the Learning and Skills Council on 08000 150 600 and ask for information on areas of work you may be interested in, or visit www.realworkrealpay.info. You can also check out www.con-


If you would like to find out more


nexions.gov.uk for details of your local Connexions service or contact the careers adviser at your school or college.


• The Learn­ St Martin’s College


yourclearingchoice . ' Campus life Is ,


) ifeaihrdleasant. really pleasant, '>Sr


,everyllme you f- go out you’ll see '


>.<* '


ing and Skills Council is respon­ sible for all post- 16 education in England - other than the universi­ ty sector - includ­ ing the funding of Further Educa­ tion colleges; sixth form colleges; school


forms; work-based training for young people; workforce deve l opme nt ; adult and commu­ nity learning; inform ati on , advice and guid­ ance for adults; and education business links. Its vision is


sixth


started to think about applying for courses to start in September and looked on differ­ ent university websites. I already knew which degree I wanted to do so it was just a matter of choosing a university. I also phoned UCAS to see which universities did the course I wanted. The universities I considered included Bradford, Salford and Leeds. I made contact with all three. I originally considered Leeds, but people I knew at work told me that they had been to Bradford, that it was a good place to study and it had a good reputation for the couise I wanted to do. “I was asked if I wanted to visit Brad­


normal UCAS system because I was not considering university at the time. After leaving school I went straight into work. I was working in an engineer’s office as an Engineering Technician while completing an ONC, which is part of a BTEC, in Civil Engineering. This involved day release for two years. However, it was always my intention to go to university at some point. It was the next logical step. “I finished my ONC in June 2002.1 then


Ciitheroe Advertiser & Times, August 14th, 2003 11


part of a structured programme so I always knew that I would be leaving some time anyway. It was difficult to give up the money but I knew it had to be done for the best. I am finding that I am managing on the money now anyway! I have not regretted making my decision. Following university, I would like to work for consul­ tant specialists in railways. I believe the job prospects are very good as there is quite a big skills shortage. You may have to cope on less money for a while, but in the future I know I am going to be much better off financially.” The Clearing website can be accessed at


SCOTT McKavctt has advice to offer “When I originally started work it was


ford but I had more or less decided on com­ ing here anyway. I spoke to one of the Uni­ versity’s structural engineers and sent off all my information to him. About a week later I was accepted. It was very quick and I immediately gave in my notice at work. I had considered doing my degree part-time, but it would have meant eight years, which I felt was too long.


www.bradford.ac.uk/clearing. The Univer­ sity of Bradford is also running a special Helpline offering help, advice and infor­ mation on its courses and vacancies. Tele­ phone 01274 235400. Alternatively email clearing@bradford.ac.uk Open Days will be held at the University on: Saturday and Sunday from 10 a.m. until 3-30 p.m. and Wednesday from 10 a.m. until 3-30 p.m. and then 6 p.m. until 8 p.m.


B R O U G H T TO - YOU1 B Y WE S T YOR KSHIRE'S L A R G E S'T C OL , L E G E . ©1 ♦ : Y’ f • * i


. . w .........w


Jk* *


............1 Be a star performer at Bradford College! i * *1*' *


With hundreds of Higher Education'courses, we have a range of J qualifications and subjects that will really launch your career! Featuring - - HNCs/HNDs, Fouifdation, Ordinary, Honours and


4j ; /% < ’ -.aPd 3 whole range of professional qualification^^^^^^^^Avifr-


that, by 2010, young people and adults in England will have knowl­ edge and produc­ tive skills.


Better results than expected..? You haven’t missed your chance of Higher Education!


Thursday 21 August 5pm - 8pm dj*") :■ Co'e;e


: Tuesday 26 August 5pm - 8pm Thursday 4 September 5pm - 8pm


BBQ and Fun Day Saturday 30 August 10am - 12.30pm


Accountancy/Financial Services Advertising 8e Marketing Communications Art, Design 8c Textiles Beauty Therapy Business Studies Business 8e e-Commerce Business 8c Finance Business 8c Computing Community Studies Complementary Therapies Construction Counselling Creative Therapy Studies Early Childhood Studies Engineering Graphic Media Communication ICT Law Leisure Management Management Marketing 8e Sales Media/Special Effects Make-up Metallurgy 8c Materials Ophthalmic Dispensing Photography Public Services Science Social 8c Community Caie Social Welfare/Work


•Software Engineering • Sport 8: Recreation • Teacher Training • Tourism • Youth 8c Community Development


Study options include full and part-time, day and evening


Bradford College also offers a broad range of Further Education courses including A Levels, AVCEs, GCSEs, GNVQs, NVQs, National Certificates/Diplomas and a whole range of work related qualifications


Learning fo r Llje


An associate college of the University of Bradford


L E - T URN Y O U R D R E A M S I N T O R E AL ! I Y


jzlleye' Call Q 1 2 B 2 7 1 1 2 2 2 for more information


GET QIM COURSE - call 01274 433333 or visit www.bradfordcoIleye.ac.uk


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