Issue 25 July 2011
www.acrosskent.co.uk
Across Kent now launches:
Across WWW.ACROSSSPAIN.ES
Spain
A King Amongst Coaches... People often come to coaching when they have reached a cross-roads and don’t know which way to turn, or when they know where they want to be, but don’t know how to get there. We work with business people who have been wrestling with getting things done for many months and who don’t see how they can achieve their goals. We support companies whilst abolishing the worry and energy-draining stress, to make a plan come to life. Your experience of being coached by King Associates will be refreshing and rewarding.
of their life/work/relationships leaving them with a greater sense of happiness”. Our aim is to deliver what you want, when you need it. We will create bespoke coaching solutions and each client would be met to determine their need and agree terms and conditions. It is still true today, that your people are your greatest asset you can recognise their worth and reward their hard work through many of the support services King Associates can offer. Just a few examples of the areas we work with you in: Assisting businesses who need an HR structure in place, from recruitment, through induction training, management development systems, retirement and succession planning to redundancy. Email: training@king-associates.co.uk. Tel: 01622 743735 Businesses that are expanding and do not currently have the structures in place to support the growth. Email: coaching@king-associates.co.uk. Tel: 01622 743735 Organisations going through, or about to enter, a period of rapid change. Email: alison@king-associates.co.uk Tel: 07711 281584
As a coach and NLP practitioner with CIPD qualifications Alison has the ability to lead and motivate individuals or teams through changes to meet their ultimate goal. If your company is about to embark on or requires additional support in your business initiatives, on a full or part time basis then please give King Associates a call to discuss. 07711 281584 or email: coaching@king-associates.co.uk
ONGOING SUPPORT Once we have worked together on a project and know your business well, it is possible for you to retain our services with a low-cost monthly fee.
Alison writes;” I have coached many people from all walks of life. All of them are professional achievers within their careers or entrepreneurs. At one time, two out of three of them became MDs of their organisation within 1 year of coaching and all of them have gained clarity on what they want out
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Please read the following article... 5
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DID YOU KNOW YOUR BUSINESS COULD BE SITTING ON A FORTUNE? Many businesses are sitting on a small fortune which they are completely unaware of worth thousands of pounds to the owner. The money is tied up in the building and can be unlocked with a simple tax claim. What Are Capital Allowances? Capital allowances are tax relief on capital expenditure on qualifying machinery or plant and on certain types of buildings or structures that can be set off against taxable profits. Expenditure can be incurred either by way of the acquisition, construction or refurbishment of a property. Capital allowances can also be claimed on: Patents, know-how, dredging, intellectual property rights and goodwill. You can also claim then on cleaning up sites like old petrol stations, asbestos removal and on some ‘green’ energy systems. All commercial property, of whatever age or Specification, may have an element of capital allowances contained within them. How much depends on cost and how much has been spent on it. Some examples what you can claim for are shown below: •
Heating and air conditioning installations • Fire fighting equipment • Sanitary fittings • Carpets • Lifts and escalators
To Qualify; you need to be able to answer yes to the following questions: •
Are you a taxpayer? Company, Individual, or partnership • Is the property classified as commercial? (e.g. factory, shop, office ,warehouse, hotel, pub, care-home, nursing-home, vets, doctors or dentists surgery etc.) • Was the purchase price at least £150,000? ( or have you spent that in refurbishment) The Question You Should Be Asking Yourself Is: Why Hasn’t My Accountant Claimed Already? Accountants may claim some capital allowances for items that are moveable and have an invoice, for example office furniture and computers. However, some things are attached to a building, CCTV, fire escapes, fire alarms, signs, lights, even items such as lift shafts and swimming pools are all items which are both fixed and moveable. Many accountants don’t differentiate between accounting treatment and tax treatment for these items. In most major building work payment is by stage payments. These just state how much has been spent; they don’t describe how it was spent, so your accountant will not know. This means that there could be thousands of pounds unclaimed! The Good News: There is no time limit to claims.
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•
Are You Buying or Selling A Property?
Reduction or elimination of future taxes (up to 20 years is possible).
How much will it cost? Our fees are based on success, this means that if we cannot find a valid claim it will not cost you anything See table below:
If you are selling a property unless the proper piece of tax law is correctly applied you, as a seller, could lose thousands of pounds or even be fined by Note: How much of the tax figure you can get back the revenue. immediately depends on how much tax you have If you are buying a building then you could claim paid or are likely to pay. We will work with your back thousands of pounds reducing the purchase accountant to maximise this. price considerably. Capital Gains Tax:
For more information please:
Under the ruling Ref :TCGA 1992.S 41 (1) any capital gain on the items claimed under Capital Allowances must be disregarded. Effectively allowing you to claim twice!
Call 01233 640985 or 07789 885611 Fax: 0844 443 2402
Why you should contact us:
Or
A successful claim could mean any, or all of the following:
Email us at: info@tax-ideas.co.uk.
A tax refund for past years (normally limited to the last 2 or 3 years) • Reduction or elimination of your current tax liabilities (ie this year) •
Building Value £850,000 £850,000
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Capital Allowance Claim 170,000 Lower End 255,000 Upper End
Please visit us at: Website: www.tax-ideas.co.uk
You Get
You Get
You Pay
Tax 20%
Tax 40%
Our fee 4%
34,000
68,000
£6,800 + vat
51,000
102,000
£10,200 + vat
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AZOUMA RESTAURANT 4 Church Street, Canterbury, Kent. CT1 1NH
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• • •
Old wiring repaired or renewed New extensions fitted Broadband connections resolved
Call Dave (Ex-BT Engineer) Tel: 01622 850075 . Mob: 07708 876423 Making Lasting Power of Attorneys, July Exclusive Offer Advanced £50 OFF a single service Directives, Wills & Trusts
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Don’t Take In A Stranger Whilst You Are Gone. More than half of us are likely to lose the ability to make decisions at some stage in our lives: • • • • • • •
Emergency decisions during an operation Alzheimer's Car accident Work place injury Stroke Mental health issues Old age
Most people think that their parents, spouse or adult child would be able to administer their affairs. But without a Lasting Power of Attorney (LPA) none of them would have a legal right to take charge. Your friends or family will want to help but to do so legally they will have to apply to the Court of Protection to be appointed as your “Deputy” (a restricted version of the Attorney you could have appointed under an LPA). This could prove to be expensive and time consuming. You should also be aware that the Court of Protection will not know if your friends or family can be trusted so they are
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more likely to appoint a professional stranger to be sure they do not choose the wrong person. In this situation and often in good faith someone you know may dispute the Court of Protection appointment. But they are unlikely to be aware it is you that will end up paying all of those legal costs. Those costs could start at a couple of thousand pounds but easily end up being tens of thousands of pounds. If someone who does not have your interests at heart takes over that could be a personal disaster. But what really can be a financial disaster is that the Court of Protection will in the absence of a good candidate for the role of your “Deputy” appoint a solicitor to do everything for you. Just imagine paying £180 to £300 an hour for a solicitor to pay your bills, make your decisions and come to see you to check up on you. If that doesn’t cost £10,000 a year you will be very lucky. So why not make an LPA today? An LPA is a legal document which allows another person or persons to manage your finances (Lasting Power of Attorney Property and Affairs) or health and welfare (Lasting Power of Attorney Health and Welfare). LPAs allow you to decide, in advance, who will look after your financial affairs or deal with health and welfare decisions for you. If you do not have LPAs in place then it is up to the Court of Protection
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to make those decisions for you until such time as it a new home for you or to select a care home, or appoints a “Deputy” to manage money and care staff. It also allows the LPA attorneys to deal welfare matters for you. with medical staff as if they were you. The only reservation is that the attorney has to be As you can imagine, that is a slow and expensive specifically given authority to refuse life sustaining process and the Court of Protection may not treatment on your behalf – and not everyone will appoint the person you would have chosen to look choose to do that. Religious issues also come after your interest – indeed, if there is any under the Health and Welfare LPA. That said argument, they may well appoint a solicitor (at your Attorneys are always required to consult you and to expense) to run your life. Is that what you want for give great weight to your views if it is possible to yourself? ascertain them. This LPA cannot be used unless it has been registered and you have lost mental LPA Property and Financial Affairs capacity. However, once this LPA qualifies to be used the Attorneys are effectively acting as if they This LPA is intended to cover things like paying are you. bills, managing bank accounts, signing contracts, paying care fees – broadly anything to do with Do not regret yesterday. Why fear tomorrow. money. It can actually be used once it is registered Act today. even if you could still manage your own finances so potentially it should be drawn up to specifically yWill are LPA specialists and believe that the avoid this. However, if you completely trust your documents you need to protect your interests nominated Attorneys (the people you appoint to should be easily accessible and affordable for all. manage things) then you should not do this so that You can call them on 0845 6435686. they will not have the aggravation of having to Kent Coupons have negotiated a very special prove that you have lost mental capacity. deal on their fixed prices for readers so make sure you quote KCMAY when you contact them. LPA Health and Welfare In general this LPA will allow the attorney to choose LPAs are crucial for everyone over 18.
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Just 2 of the Reasons to use us: 1st) We have years of experience running our own company’s, so we fully understand what you need from an accountant. 2nd) Diverse client range from £20k to several £m turnover Call us now on: 01233 664650 ~ Visit us at: www.ypsaccounting.co.uk
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Contact Lisa on: 01634 307004
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What Do You Want Out Of Your Accountant?
How About 10% Discount? Unlike most accountants, YPS Accounting Services Ltd have two major advantages over most accounting practices. 1st. All the senior staff within the company has experience of running other businesses other than just an accounting practice. This means that they understand how to explain things in plain language, and they know what the figures really mean. Indeed, they still do run and manage other successful companies. 2nd . We have a diverse range of businesses from small sole traders with turnovers of £20,000 to £30,000 right up to companies turning over several million pounds. A recent survey was carried out in which clients were asked about their accountants; the results were: • • •
Most clients felt that their accountants never told them anything that might help them in their business. Most clients hated being billed by the hour as they had no control of the bill. Most clients wanted to pay less tax, but their accountants did not talk to them during the year and suggest ways in which they could do so.
But the biggest single complaint was: the only people who understood what the accountant said; was other accountants! So we promise: We will treat you fairly, we talk to you in plain language, and we will do what we can to help you make your business more effective and profitable. We will fix our fees at the beginning of your business year, we will both know how much it is going to be and we will give you the opportunity to pay by instalments to help your cashflow. We will tell how you to reduce your bill by simple means, putting sales invoices in number or date order for example. By keeping your bank statements in order and reconciling them. Plain, commonsense things that will make your life easier, simpler and less expensive. Don’t worry, when you become a client we will give you a list. We will talk to you on a regular basis and at least once before your year end accounts are due, so that you can declare dividends or bonuses. We will tell you how to protect yourself from a tax investigation that could go back several years and cost you thousands of pounds. But as an added reason to give us a call we are offering 10% Off any accounting work or personal tax returns resulting from redeeming our downloadable coupon at: www.KentCoupons.co.uk
Call Mark on 01233 664650 or email Mark@ ypsaccounting.co.uk www.YPSaccounting.co.uk 13 Please Mention Across Kent When You Call Our Advertisers
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Your Horoscopes GEMI NI This will be a great month. You will feel powerful and able to make a new start. A New Moon Solar Eclipse in your sign will set the tone for the month. The effects will last until the end of the year. You will have a fresh outlook and new opportunities for months. Mercury, Venus, and Mars will also move to your sign, increasing your chances to express love and connect with new people. You will be charismatic and charming. Others will be drawn to you. A Full Moon in Sagittarius may bring some difficulties in a close relationship. CANCER A New Moon Solar Eclipse in Gemini and your sector of the unconscious will bring a new start in healing private issues and improving your health and well-being. A Full Moon in Sagittarius may bring a wake-up call regarding these matters or a work crisis. You may have put your health at risk by working too hard. During the next six months, pay attention to what your body needs and become educated about nutrition and other ways you can heal yourself. Early in the month, you will have enjoyable experiences with friends and acquaintances. Get together for dinner and talk. LEO Put some energy into building your career and making new connections that can help you this month. Take time to network and improve your skills. Whether you take formal training or do it on your own, make sure you have the knowledge and expertise you need to have a competitive edge. This will be a good time to promote yourself, network, and get noticed by the right people. A New Moon in Gemini will help you make a new start with friends and groups you're associated with. You should devote some energy to setting new future goals. VIRGO Travel and exploration will be on your mind this month with several planets moving through Taurus and this area of your chart. You will make solid plans and be realistic about what you can afford. You may also decide to further your education under these transits. A New Moon in Gemini will inspire you to make new career contacts and expand your business network. You will focus on your direction in life and building your reputation for the rest of the year. LIBRA There may be some communication over money that is tied to other people this month. You may have a discussion with your partner or a meeting with someone at the bank. Generally, these interactions will go well and be productive. You will have exciting new plans for the future. You may decide to go back to school or take an extended trip. You will be inspired to communicate your thoughts and ideas now and over the next six months. Uranus near the cusp of Aries will cause unrest and erratic behaviour. SCORPIO Your relationships will improve this month due to the transits of Mercury, Venus, Mars, and Jupiter in Taurus and your Seventh House. Communicate your thoughts and feelings to a loved one. At the beginning of the month, you will have several opportunities for recognition or advancement at work, but there will be some unsettling changes. You will feel positive and healthy. For the next six months, you will be determined to talk about money with a partner, lender, or financial planner. You may have to deal promptly with a money matter that has become a problem.
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SAGI TTARI US You will have good relationships with your co-workers and managers at work this month, and there will be a lot of socializing. You will also have an opportunity to work on interesting projects. You will make a new start with a relationship and be able to communicate openly. You will be able to talk frankly about your feelings to your partner now and for many months.
CAPRICORN Your love life will be exciting and satisfying this month with Mercury, Venus, Mars, and Jupiter in your love and romance sector. Your creativity will be heightened, but you will be able to find practical uses for your ideas and creations. You will make a new start regarding your health. A New Moon Solar Eclipse in Gemini will bring the urge to become educated about several health issues and get advice. Also you will have more opportunities at work to communicate and share ideas and information. You may have to face buried issues from the past. AQUARI US You will spend a lot of time with your family this month, sharing stories and enjoying each other's company. This would be a good time to make your home more comfortable by changing things around or redecorating. Do something to help a neighbour or relative during the first week. A New Moon Solar Eclipse in Gemini and your romance sector will bring a new start in love matters. If you're single, you might meet someone exciting and begin a new relationship within six months. If you're already with someone, your feelings for your partner will be rekindled. PISCES You will have the chance to improve money matters because of a new opportunity during the first week of the month. However, finances will generally be unstable. Smooth interactions with neighbours and extended family will bring happiness. You will make a fresh start with family now. You will improve communications and make new plans. However you may have difficulties in your career that will have lasting consequences.
ARIES Early in the month, you will have several unexpected opportunities that will help you succeed in your personal life. During the first couple weeks, you will focus on improving your financial picture. You will get advice and do some reading about various money matters. Take care of details, such as paying bills, adjusting your investments, and creating a financial plan. You will also become more involved in your community and with extended family over the coming weeks. A New Moon Solar Eclipse and several planets in your Third House will inspire you to take a course, join a cause, or help someone you know. TAURUS With several planets moving through your sign this month, you will feel secure, capable, and organized. You will be able to attract the things you need and people who can help you. With Venus and Mars in your sign, you will be magnetic, attractive, and able to use charm to your advantage. This would be a good time to focus on creating security and learning about financial matters. The Sun will be in your money sector.
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A Special Funeral How many of us think about our death? It’s not an easy subject for most of us to consider. If we did though; wouldn’t we want a funeral specially made for our family and friends to say goodbye in a way that we would like them to remember us? Wouldn’t we want a ceremony that reflects our passions, loves, interests and philosophies? Many of us may not want a full religious service; some of us may want a ‘mix and match,’ a hymn, maybe a prayer, maybe none of this, maybe a combination of good music, poetry, some jokes and heartfelt words? Some of us feel close to nature or to our friends and family and want this to be the main focus. I am a Civil Celebrant and I love how a funeral ceremony can be so different. My first experience of such a funeral was that of a friend whose wife wanted something special. The ceremony was stunning; it reflected his choice of music - he was a musician and played in local pubs. The service was led by a warm, friendly celebrant, who spoke about my friend’s unique qualities in a detailed way that made me feel he was with us during the ceremony. The coffin was adorned with photos of him and his guitar lay on the top. This event was the catalyst for me to change my profession. I trained with an organisation called Green Fuse and have learnt how to help a family create a ceremony for their loved one which acknowledges the life of that person in a truthful way and give thanks for that life in all it’s richness and diversity. I respect the beliefs of the person who has died and the wishes of the family. This might be an acknowledgement of their loss and asking for the safe transition of the person into whatever is believed to lie beyond, or to accept that the person’s life has ended and there is no beyond – in both cases the life lived has been precious and unique. Some families choose to read words, decorate the coffin, light a candle, record their favourite music or find a special physical reminder of the deceased to lay on the coffin. Other families want the celebrant to lead and plan the whole ceremony. A good civil celebrant will enable the family to have the ceremony as they would like. I have found such happiness in doing this work. Families and friends feel very raw at this time and it is a privilege to listen to their memories, hear about the challenges their loved one faced in life and help them weave together a ceremony that is friendly, respectful and heart-warming. Sue Goodrum Civil Celebrant www.Greenfuse.co.uk www.funeralcelebrants.org.uk
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18 - 20 RENDEZVOUS STREET FOLKESTONE KENT. CT20 1EY
Restaurant & Bar
*LUNCH* Monday - Saturday
£6.50 Children under 10
Tel: 01303 227356 Visit our website at: www.orientalbuffet.co.uk TAKEAWAY SERVICE AVAILABLE
Chinese
£4.00 Take Away
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*DINNER* Monday - Thursday
£9.50 Friday - Saturday
Malaysian
£10.50 Children under 10
£6.00 Singaporean
Take Away
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Indian
Thai
SUNDAY SPECIAL WHOLE DAY £8.50 Children under 10
Over 50 exotic Oriental dishes plus Indian curry dishes
We are open 7 days a week Including Bank Holidays
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(12:00noon - 10:30pm )
FREE DELIVERY For orders over £10.00 within 3 miles radius 10% DISCOUNT UPON COLLECTION 18
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Fit at Work realizes that healthy and happy employees are more competent in the workplace. The effect of an unhealthy and sedentary workforce can detract from your profit margin. The key is to give your company the edge by making your employees feel valued. Encouraging Fitness and regular massage demonstrates concern for employees well being which in turn pays off. Our team of experienced professionals will visit your workplace at a time that suits you to meet the needs of your staff and at the end of each visit everyone is left smiling!
CORPORATE FITNESS Fit at Work travel to your office or event and conduct an exercise regime that is sure to leave your employees happy. If you have limited space we can take a group outside and work there. The bottom line is there is no excuse not to exercise! We offer a variety of packages that are specifically tailored for your individual needs. Outlined are some examples of classes that have proved popular with other companies.
Circuit Training • • • • • • •
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Aerobic and Step classes Yoga/Pilates Running Club Military Fitness in the park Keiser Cycle Zumba Dance classes
Benefits of fitness in the workplace • • • • • • • •
•
Employees are less likely to get sick More energy throughout the day More self confidence Less stressed Increased concentration Positive attitude due to release of endorphins Fit employees take on a more leadership role because of the many benefits of a healthy lifestyle. A fit individual tends to make a good leader. Physically able to take on the demands of the job
CORPORATE MASSAGE Whether you are holding an Event or you just want to pamper your employees in their place of work. We guarantee everyone will be left feeling de-stressed and revitalized. Our team of massage therapists will come to you offering a 10 minute massage to each person. We are not intrusive as we can work at the desk or set up in a small area where people can approach us. All massage is done through the clothing so no one is left feeling embarrassed. By doing this you really are offering great perks to your job description and placing value on every member of your team. This is going to make them more pro-active for your company. Everybody comes out a winner!
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We also offer ½ hour massages, (Sports or Relaxation) which are done in a room with oils. This is the ultimate relaxation package.
Benefits of massage in the workplace •
• • •
•
Offers something new and different which then gives your company the edge Increased employee morale Lowers work related stress Happy employees are more productive in work and can take on more Employees feel valued and are grateful for this benefit
TEAM BUILDING FITNESS WORKSHOPS We understand the importance that teamwork plays within your company. If a link is missing within the team then this can affect everyone within the company. We have devised fitness-base workshops that get everyone singing from the same sheet. They range from employees learning a salsa routine and putting it to practice, Military days at the park, Martial Art Combat right the way through to workshops providing information on Exercise, Nutrition and Lifestyle Management. The importance of all these workshops is that they can’t be done alone. The team needs to pull together to complete the task, which provides teamwork that flows on into daily practice at work. For more information or for your personalized plan please contact:
Katie Pelzman on 07507045799 www.fitatwork.co.uk enquiries@fitatwork.co.uk 20
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Mention Across Kent or Kent Coupons to receive this special offer
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Between the bottom of the hill and the deep blue sea..... The Coastguard The Bay St Margaret’s Bay Nr Dover CT15 6DY 01304 851019 The Coastguard Pub & Restaurant isn’t hard to find. Head for the sound of the waves lapping against the white cliffs of Dover, the delicious aroma of local produce cooking in a busy kitchen, the glint of a freshly poured ale. When the English Channel is about to wet your toes, you’ll have found us. We like to keep things simple. Our friendly, family-run establishment has a garden with bench seating for sunny days, a large alfresco terrace for year-round drinking and dining, a busy bar for cosy evenings, and a restaurant for relaxed dining. We’d love to see you soon. The Coastguard – your home by the sea. 22
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Surveys are Critical When Buying a Spanish property The love affair with Spanish property is still in its honeymoon stage for a vast majority of British overseas property owners. Many thousands of Brits are buying property in Spain every year, but too many are investing money with their eyes closed by failing to carry out a building survey on their new home. The importance of having a survey carried out cannot be overlooked when buying a property in Spain as there are a number of things that could go wrong with the property which are not immediately obvious to the untrained eye, warns Banco Halifax Hispania. Although surveying fees will increase the purchase cost, this sum is a relatively small price to pay for peace of mind, compared to the expense of trying to sort out unexpected difficulties in the future. It also makes sense to know exactly what you are buying into. A building surveyor will help to identify any major or minor faults and their possible implications. Finding out about these potential problems at an early stage of buying may even help the renegotiation of a cheaper sales price to reflect the cost of repairs. In a full buildings survey, walls will be tested for damp and an evaluation will be made on existing damp-proofing, insulation and drainage. They will also be able to recommend any further inspections. This process is likely to be much smoother if the surveyor in Spain is fluent in English and has local knowledge and experience of acting for British customers. It is also good practice to use an independent solicitor rather than one that has been appointed by the agent that you are buying property from in order to protect your best interests.
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Banco Halifax Hispania has an approved panel of Englishspeaking Spanish surveyors who can assist you during your property purchase. They can also recommend English-speaking Spanish solicitors who will ensure that all aspects of the purchase, including planning permission, title deeds and other legal requirements, are satisfactory and will investigate the property as thoroughly as possible. They will also be able to carry out searches and legal investigations and check that there are no outstanding debts on the property. Ian Smith, head of European Operations at Halifax, comments: “Our approved panel of independent solicitors and surveyors are all experts who can provide sound guidance and reliable advice and we recommend that anyone intending to purchase property in Spain arranges a consultation as early as possible. “Few people would consider buying a property in the UK without instructing a solicitor or surveyor and the same care and consideration should be taken when buying abroad.� Banco Halifax Hispania offers a range of current accounts and mortgages for Britons looking to buy a holiday home in Spain. For more information on their services for Spanish property buyers, visit their website (www.halifax.es). They also provide an English-speaking helpline within the UK for customers who wish to sort out their financial options prior to arriving in Spain. The helpline answers queries about what is involved in buying in Spain and can arrange for the completion of mortgage and bank account application papers. The customer service team can be reached on 0845 6003603.
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Richard Alexander has worked in financial services for 36 years and provides specialist financial planning services to expat and UK clients with accumulated capital who prefer the personal touch of a dedicated and trusted financial adviser. Richard aims to build long term client relationships by understanding their aspirations, to appreciate their concerns, sensitivities and risk tolerances and to provide a bespoke solution designed to achieve their goals. At the core of financial planning is recognition of the main objectives, which can often be expressed as a need for growth or income. Even when the objective is simply wealth preservation, a focus on growth will be needed to offset the effects of inflation. For people moving or retiring abroad, currency risk is a further consideration. Pension income may arise in the currency of the country of origin and fluctuations in exchange rates will affect the level of income. However, some private pensions can be transferred into a new plan held in the appropriate currency which will remove future currency risk.
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Inheritance Tax may be a major consideration; Inheritance Tax in the UK is calculated by reference to the Estate of the deceased person whereas in Spain, it is calculated by reference to the beneficiaries, with the rates of tax varying, depending on who the beneficiaries are and their relationship to the deceased. Tax may also be due in both countries but there is a dual tax treaty which should ensure that double taxation can normally be avoided. Earlier UK planning may have involved the use of Trusts in the UK or offshore. If this is the case, you need to be aware that Spain does not recognise the status of Trusts and if you are the Settler of a Trust who has become Spanish tax resident, the local tax authorities are likely to ignore the Trust and treat the assets and income or gains arising as your personal income or gains and seek to tax you accordingly. Clients of RAFP benefit from our relationship with local tax specialists in each country and can be confident that their investments will be appropriate to their individual tax position and future plans.
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6 London Road, Westerham, Kent, TN16 1BD. 65 London Road, Sevenoaks, Kent, TN13 1AU. 32 High Street, Tonbridge, Kent, TN9 1EJ. 1078-1079 Level 2, Whitgift Centre, Croydon, CR0 1UX. 37 East Street, Bridport, Dorset, DT6 3JX.
Tel: 01959 565833 Tel: 01732 455600 Tel: 01732 369721 Tel: 0208 6816601 Tel: 01308 425570
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By Dave Green NBC Bird and Pest Solutions is a national pest control company, unique in its customer focused structure. All local branches are individually owned which means that the service is provided by local people with local knowledge who better understand their needs and have a vested interest in ensuring they receive the highest standard of service. Working locally is also cost effective, not only reducing costs but also reducing business and personal carbon footprint. Alongside this, all branches are also managed and supported by the national head office team that boasts a wealth of industry experts.
using a variety of different methods, from scaring, netting and spikes. We are renowned for using birds of prey as a method of gull and pigeon control, naturally deterring them from their nest sites. We are pioneering a new method of rodent control using non-toxic baits. If and when we see evidence of rats or mice consuming this we then introduce toxic baits, we also directly bait harbourages and deny access to the rodent where possible making the treatment more efficient and much quicker. Once the problem has been removed we then return to non toxic monitoring.
This enables me to provide a consistently high level of service to all clients including those with multiple sites across the UK. Using environmental methods of pest control is not only good for the environment but is good for public relations and raising the awareness of the need for change. NBC is the UK's largest bird control specialist
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Marketing is very important to myself and NBC as a whole to encourage companies that are suffering in these difficult times to take this opportunity to make changes and think of the future. NBC is an outstanding business in many ways, not only because we give our customers what they need and not what is just given but showing them our care and commitment is fore most. I opened my branch in August 2008, and have already won many prestigious contracts resulting in satisfied customers. However i have done this on my own with only the support from Head office and now need to invest heavily in tangible, competitive marketing and training of a new member of staff. Growing a successful business is difficult especially in the current climate, however if i can show local people and businesses that their workplace and the environment can work together we will all have a better future.
NBC The Natural Choice
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LONG TERM RENTALS SUPER PRICES NO COMMISSIONS APARTMENTS, TOWNHOUSES, VILLAS, FINCAS COAST AND INLAND 679111522
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Get A Free Quote Today Call us on (0044) if Outside The UK omit first 0, 01795 420427 Or Visit www.storageking.co.uk And Leave The Rest To Us!
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Tips For Overseas Property Buyers Buying a property in sunnier climes is more popular than ever. Some leave Old Blighty altogether; others take off for regular, much needed breaks in their second home during the year. These purchases are no longer an exclusive luxury for the wealthy.
Talk to fellow investors: Speak to people who have purchased property in the area that you are interested in. If you are opting for a buy-to-let investment, you can learn a lot about rental success in your area and get a realistic idea of the likely income that will be generated.
Allow for the extras: The cost of buying a property abroad - taxes, conveyancing, lawyers fees, agents fees and VAT - is much higher than in the UK, so you will have to ensure you have budgeted accordingly. Also ensure that you are aware of the Here is a list of top tips from experts at the Property costs charged by the legal and government authorities for purchasing a property in your chosen Investor and Homebuyer Show. country. Know your objectives: Ensure you know why you are buying and what you are hoping to achieve with Check the taxation and inheritance laws: Ensure the purchase. If it's for investment, decide whether you understand the tax implications for when you decide to sell. You should also check the you want a short term capital gain or a long term inheritance laws of the country where you are regular income. buying. In France, for example, your children Sort out your finances: Work out how much you automatically inherit your house and not your can afford to buy. Arrange your finances before you spouse. travel abroad to search for your property and Weigh up risk versus returns: For example, some certainly before you sign any non-refundable sale properties in Eastern Europe offer potential high agreement. returns but potential losses too. You need to be well Don't be hasty: Stay focused on what you informed and comfortable with the risk factor. originally had in mind. Stick by your objectives. See Do your homework: Time spent researching the your chosen area at different times of the year to area while at home is much cheaper and more ensure that you like it whatever the weather. Give efficient than time spent overseas. Make a checklist yourself a cooling off period to ensure you are of questions that can be answered when you arrive making the right choice. at your destination. Check the transport links and local facilities: Speak to the experts: Always seek specialist People who rent property will want somewhere that independent advice from English-speaking is easy to get to and will often gravitate to those architects and surveyors before considering a places with a nearby airport served by low cost airlines. A location in easy reach of shops, beaches purchase overseas. They should be proficient in your chosen country's laws and processes and also and tourist attractions ensures rental success and know the specifics involved in buying a property ease of living. there. Though international property investment is becoming more widespread, the purchase can be a risky business for homebuyers. It is all too easy to make a hot-headed purchase when the sun's rays are shining down on a villa or apartment.
Don't let the sun go to your head and hand over your money before considering all of the advice and options available.
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Writing Your Will ………. it couldn’t be any easier A will is probably the most important legal document you’ll ever own, and yet more than 60% of adults in the UK die without one. If a will is drafted correctly, it could save a great deal of tax for your beneficiaries; it could protect the family home against long-term care fees; it could protect the inheritance of the children of a former marriage; it could avoid loss of state benefits for a disabled person. So why do so many people keep putting it off? The reasons commonly given are cost, the inconvenience of having to visit the solicitor’s office, and the problems of understanding all the legal jargon. Here at Sterling Wills Ltd., we publish our fees on our website (www.sterlingwills.co.uk) so there are no nasty surprises; we include a home visit as part of the service, at no extra cost, and we explain everything in plain English, all of which adds up to a very good reason for not putting it off any longer. Anything you tell us will be in the strictest confidence; no information will be passed to any third party. We are members of the Society of Will Writers and we adhere to the Society’s Code of Practice.
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Managing Director Ronald Bateman makes this pledge: ‘We have a number of priorities in the way we do business, such as observing the highest ethical and professional standards, fair dealing, protecting all personal data – the list is a long one. But top of the list is customer satisfaction, closely followed by value-for-money, and we’ll never be complacent about those two goals, because all the others then fall into place. After all, there’s no better form of advertising than a satisfied customer.’ However simple or complex you requirements may be, our Consultant will ask all the relevant questions and present you with the appropriate options. For example, you may wish to protect 50% of the family home against long-term care fees; this would require trusts to be included in the wills. Or let’s say you need discretionary trusts in your wills; these can serve a number of purposes, such as protecting a disabled person from losing state benefits because he or she inherits a large sum. If the inheritance is held by the trustees so that they can release funds as and when they’re needed, the state benefits will not be lost. And, most importantly, we don’t sell; we simply offer a solution to your own individual needs and we let you choose. PLEASE CALL US ON 0845 4900324 or email info@sterlingwills.co.uk to arrange an appointment or for further information.
Sterling W ills Ltd. Ltd .
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How A Pay Rise Can Help You Pay Less Tax As an Employer does money seem tight for you? As an employee do you wish you had a few more pounds each week? As an employer one of the biggest costs is that of payroll, everything over £139 per week attracts an extra tax of 13.8% which is uncapped; this means that some-one on a wage of £500 per week actually costs you an additional £49.81 per week just to employ. Now we have a solution that could allow your staff to take home more money and could significantly reduce the amount of money that you pay in taxes. The example below should help make it clearer. Current YPS Solutions Position Wage Wage £500 £500 Tax & NI Tax & NI £116.12 £ 44.78 Take home pay Take home pay £383.88 £ 455.22 Employers NI 49.81
Employers NI 11.86 Per person, per week
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Potential Saving
71.34 per week 37.95 per week Over £1,973 per person per year Saved
This particular idea is ideal for construction workers, security guards, scaffolding workers and anyone who travels to different locations to carry out their work, especially if they have to make their own way there at their own expense. Our scheme means that both the employee and the company can benefit. We have clearly defined allowances, a simple process for getting them and a real benefit to offer both employees and employers. The scheme is suitable for people earning over £20,540 per annum; this is equal to £10.68 per hour, £400 per week or £1,733 per month. If you earn less than this amount you are unlikely to gain any real benefit from this scheme and if you earn more than £46,000 per year (£884 per week) we have other more suitable ideas for you. Even if you are currently a CIS worker in the construction industry this scheme could still make sense for you. Instead of overpaying tax each week and having to claim it back at the year end this scheme lets you pay tax as you go. No more worries about tax bills in January and July, no more bills from your accountant and for employers less risk of a tax investigation or fines.
Just call Howard or Mark on: 01233 644650 to find out more.
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Specially set up to offer the small to medium employer a quick, secure and simple payroll service. Our Guarantee: We Will Get Your Payroll Right, or You Don’t Pay! Call Howard or Mark on: 0844 567 9696 Email us at: howard@smartpayrollsolutions.co.uk Visit Our Website: www.smartpayrollsolutions.co.uk
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Employers Sign Up & Claim First 2 Months Payroll Solution for FREE With This Coupon
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Smart Payroll Solutions was set up to offer the small to medium employer a quick and simple payroll service. We carried out some research recently and found one employer paying over £190 per month for a payroll of just 10 people, with us it would have cost just £30 per month a saving of over £1,900 per year! Smart Payroll Solutions have trained, dedicated staff; we only work on payroll and together we have over 70 years of experience of payroll. Both the directors belong to the Chartered Institute of Payroll Professionals, so you can be sure that they have relevant and up to date knowledge and experience.
and we include the year end payroll processing in the price. Many accountants charge upwards of £6.00 per person with a minimum charge of £120. If you want us to work out time sheets we can do that as well. The table below shows how much it costs for us to do your payroll. For example: 1>10 11>20
£3.50 £3.00
Per payslip Per payslip
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£2.50
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£2.00
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With new rules on maternity and paternity leave, sickness and pensions, getting clear unbiased We don’t charge for people joining or leaving and advice is more important than ever and we can offer we don’t charge for year end procedures. If you do all of that. not have an existing PAYE scheme we can set one up in a day for about £15.00. However by far the reason why most employers choose us is that it is simple, quick and secure. We can help you manage holidays, student loans, Many employers don’t want their staff to know how statutory deductions for employees who have to pay much everyone is earning or to have a wages clerk child maintenance, or fines. knowing how much the directors are earning, Plus as a special incentive to choose us we are especially in times of financial belt-tightening as offering a guaranteed saving: Sign up with us now. and we’ll run your payroll for the first 2 months Perhaps the biggest reason for choosing us not free of charge. Visit www.kentcoupons.co.uk what we charge for, but what we don’t. Our Guarantee: We will get your payroll right, or Unlike most payroll providers we don’t charge for BACS transfers, we don’t charge for new starters, leavers or temporary staff (particularly important when you have seasonal fluctuations, Easter, Christmas etc). We don’t charge for p45’s or p60’s
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you don’t pay. Call Howard or Mark on 0844 567 9696 or e-mail howard@smartpayrollsolutions.co.uk Or visit our website for more information. www.smartpayrollsolutions.co.uk
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Are You A Restaurant, CafĂŠ, Pub Or Club ??
We Want You !! Advertise your menus or perhaps special offers of the day. Add downloadable vouchers for your customers to cut out & use. Or Let us promote an incredible deal for FREE* Special Club or Pub Event Coming up ? Let us Promote your event to THOUSANDS of Readers across Kent
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KILLER
There's not a woman on the planet that has never uttered the words "my feet are killing me" at the end of a high-heeled night on the tiles. So how can we achieve the look, still wear our dream shoes and avoid walking home in stocking feet? Gloria Dunlop, lecturer in podiatry at Queen Margaret University, Edinburgh, says: "We are bombarded with images of celebrities strutting their stuff down the red carpet in heels that make them look like they have legs up to their armpits. The fashion magazines are full of them. It's therefore little wonder that we nearly all fall into the trap of succumbing to the latest fashion trends. "We've all experienced the discomfort and burning sensation associated with wearing party shoes. But despite the pain, we still persevere." So, how can we keep dancing into the wee small hours and still avoid falling off our platform shoes and spraining our ankles? Dunlop has some top tips for keeping our toes in good shape. 1 . Don't wear the same shoes repeatedly Have a selection of shoes of different shapes, different heel heights and definitely a pair of trainers in your wardrobe. 2. Cheap shoes doesn't necessarily mean bad shoes There is nothing wrong with wearing a less expensive shoe. Expensive shoes are not a guarantee of problem-free feet. 3. Change your shoes daily Sometimes we wear shoes that cramp our toes because they're too tight. Continually wearing high heels can result in painful leg muscles. Changing your shoes daily will prevent a foot or leg problem occurring. 4. Avoid wearing sling backs on a regular basis Repeatedly wearing sling backs can quickly lead to the development of a large hard bump at the back of the heel, commonly known as a haglands bump.
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HEELS
This is irreversible, so avoid at all costs. It becomes very difficult to wear any closed-in shoe once you have developed a haglands bump. 5. Wear padding on the balls of your feet if partying in high heels Use foot felts and foams. Foot specialist Scholl provides a range, including ball-of-foot cushions and pressure-point foam padding that can be bought in shops such as New Look, River Island, Oasis, Topshop and most supermarkets and chemists. These products have an adhesive backing that sticks to your feet, avoiding slippage and therefore blisters. 6. Never burst a blister Not unless you want sore feet for days. Blisters are created by rubbing, so avoid shoes that rub. 7. Never wear brand new shoes for a long period of time Initially wear your new shoes around the house or in short bursts. Don't wear brand new shoes on your party night or you will suffer. 8. Avoid sprains and strains Sprains, strains and muscle soreness can happen to anyone, but are more likely if you are walking on an uneven surface or a very high narrow heel. Avoid cobbled streets and best get a taxi home after the party. 9. Use ice on painful sprains and strains Ice does work - it reduces swelling. If you suffer a sprain or strain, use ice as soon as possible or within the first four hours. After that, use heat to reduce bruising, swelling and pain. Next time you decide to party on a week night and have to haul yourself into the office the next morning, follow Gloria's advice and you'll glide elegantly into work ready to face another day's hard slog - no crutches necessary.
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A1 - 4U SCHOOL OF MOTORING LEARN TO DRIVE IN THE STYLISH BMW MINI
Phone: 01227 463353 Email: tomlinsona14u@hotmail.com . Male & female ADI instructors . Hourly, intensive and refresher lessons . All instructors are Pass Plus registered . Canterbury, Ashford, Whitstable, Herne Bay, Sandwich, Folkestone & Surrounding areas
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Le Restaurant Fabrice London Road, Teynham, Sittingbourne, Kent. ME9 9P S
01795 521330 Finest French & English Cuisine
www.fabricerestaurant.co.uk Visit our Restaurant for a mouth watering treat and a thoroughly enjoyable evening out. Only Fresh Produce Served for a Gastronomic Delight
Published by: Norris & Co (Worldwide) Limited Sales Telephone: 0844 588 7611 Address: Unit 32 Buckthorne Road, Minster on Sea, Kent. ME12 3RP Em ail: info@acrosskent.co.uk Web: www.acrosstheuk.co.uk Produced: Maxim um Period Between Issues 1 Month Whilst every care has been taken to ensure that the data in this publication is accurate, neither the publisher nor its editorial contributors can accept, and hereby disclaim, any liability to any party to loss or damage caused by errors or omissions resulting from negligence, accident or any other cause. All rights are reserved. No part of this publication may be copied, stored in a retrieval system or trans mitted in any form or by any means electronic, mechanical, photocopy, recording or otherw ise. We are not responsible for any digital reproduction quality or any errors to adverts. Any views or opinions expressed here are those of their writers and do not reflect those of the Across Kent group of e-papers or its Director, staff or editor. Norris & Co (Worldw ide) Ltd or any of its trading companies accepts no responsibility legal or otherw ise for the accuracy or content of any of its e-papers or other publications, past or present or future. (Company Registration No: 7212046 ~ VAT No: 987 7971 27).
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Beef Stroganoff This much-loved Russian dish is less complicated than it looks and is a great option for a last-minute dinner party. It's traditionally made with button mushrooms, but you could substitute Shitake mushrooms for an even richer flavour. Serves 4.
INGREDIENTS 2 tbsp oil 500g beef fillet, cut into strips 45g butter 350g button mushrooms, sliced 2 onions, chopped 1 tbsp plain flour 300ml soured cream pinch of salt and black pepper pinch of paprika
METHOD 1. Heat the oil over a high heat in a heavy pan. Fry the beef strips in batches for a few minutes until lightly browned. Remove the beef from the pan and set aside. 2. Reduce to a medium heat and add half the butter. Fry the mushrooms in it until tender and browned, then add to the bowl with the beef. 3. Add the remaining butter to the pan. Melt and fry the onions until soft and slightly browned. 4. Add the beef and mushrooms to the onion in the pan and sprinkle with the flour. Stir thoroughly and fry until the beef is cooked through. 5. Add the cream, salt and pepper, stir through, and cook gently for 2-3 minutes until the sauce thickens. Adjust seasoning to taste. 6. Spoon the finished dish into a serving plate and sprinkle with the paprika. Serve immediately with pasta or herby mashed potatoes.
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Cocktails With A Coffee Buzz Espresso shots get you through a tough day at work, and now they are becoming a popular way to start off an evening out or finish a meal with a buzz. Like a Red Bull and vodka, an espresso martini combines a shot of alcohol and caffeine. It would be stupid if you drunk them all night if you value your sleep, but they certainly are a great to start off the night on a high note. An espresso martini, sometimes called an espressotini, comes in various mixes. The only consistent ingredients are espresso and vodka. Despite the association with martinis, this cocktail never uses gin, which is too bitter to mix with already bitter espresso. Poor versions of the espresso martini use regular filtered coffee and even instant coffee, but the real thing should always use genuine cooled espresso shots. If you're making one at home, make a double espresso and allow it to cool down before chilling and adding it to your cocktail shaker. Using ice to cool down your espresso will just give you watered down espresso, although you can put an ice cube in the glass when serving. The vodka in an espresso martini, always one single shot, is almost always of the flavoured variety. The most popular option is using vanilla vodka and adding a coffee liqueur such as Kahlua. To the base of espresso and vodka, some people like to add a splash of Grand Marnier, while other recipes prefer Tia Maria, Amaretto or Crème de Cacao. Even chocolate liqueurs can be added if you prefer the taste of a mochaccino to a regular espresso. Pick your favourite liqueur and if you think it will go with your espresso martini then give it a try. Whatever you choose, make sure you only use a splash because the main purpose of this additional liqueur is to add a just hint of flavour. You don't want to overpower the primary flavours. If you like your coffee a little creamier like a cappuccino, you have the option of creating an Italian-style Irish coffee using the same espresso and vodka base. Shake two shots of espresso with one shot of vodka and two teaspoons of caster sugar. Carefully pour over a layer of Amarula Cream. Whatever recipe you choose, like James Bond's martini, it should always be shaken, not stirred. Though be sure to leave out the olive. The one thing that almost all espresso martini recipes agree on is the garnish. Three espresso beans will top your drink off properly. The rules for garnishes say that odd amounts are lucky so go with one, three or five beans. Serve simply in a martini glass, which you can rim with a mixture of sugar and cocoa powder.
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Across Kent or cut out this Advert VW, Audi, Seat & Skoda Specialists
Just off J6 ~ M20
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Advertising in Across Kent is EASY & VERY COST AFFECTIVE: 1. Decide what size advert you would like to book
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1, 3, 6 or 12 Issues 3. Contact us and book either by Telephone, Email or Direct Online
Booking number is: 0844 588 7611 Email is: sales@acrosskent.co.uk or Visit: www.acrosstheuk.co.uk Our rates are really low (just remember to add VAT please when working out your cost): Run of E-Paper
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A VAT invoice will be emailed to you. Because our rates are so low all adverts must be paid in full at time of booking or upon receipt of our invoice. Non payment in full may dela y which issue your advert goes in. (please note that with all online bookings, a receipt will be emailed to you once full payment has been made). (Notice to all Media Agencies: All rates are Net figures) (T&C’s are online)
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Commercial Property Owners Owed Billions ££££££ An estimated 96% of all commercial property owners are paying too much tax by not claiming your capital allowances. So what exactly are Capital Allowances? Capital Allowances are retrospective claims based on the purchase price of a commercial property. This is not a contentious tax avoidance scheme or loophole, but is based on established UK Statutory law dating back to 1878. Every building has claimable allowances inherent within the purchase price and these are a valuable form of non-conflicting relief. The legislation was rewritten
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in 2000 and is incorporated in the Capital Allowance Act 2001. Claims can be made retrospectively: there is no time limit on how far back you can go in your ownership of the property. You can even go back four tax years for a tax refund. Many of you will be aware that your accountants claim capital allowances for “movable” fixtures and fittings, plant and machinery. You will also be aware that you can’t claim such allowances for the “immovable” fabric of the building which is viewed as a non-depreciating asset. The grey and normally overlooked opportunity exists with the class of assets in the area between “movable” and “immovable”. Clearly office furniture is movable and the roof is immovable. But what about fixtures such as air-conditioning, emergency lighting and alarm systems? These are normally considered by accountants as “freehold improvements” and therefore not eligible, but HMRC will agree otherwise provided you approach them in the correct way, with the correct information presented in the approved manner.
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Property owners often ask us why their accountants haven’t advised them about capital allowances and the answer is quite simple. Capital Allowances are a highly specialised area of the tax system, shrouded in complex legislation, and require many specific skill sets to identify and claim. So it is no reflection on the professionalism and diligence of accountants that many allowances go unclaimed.
Tax Claims have appointed Jeanette Edmiston, probably the UK’s top Capital Allowance Adviser, to head up its report team.
Typically we find Capital Allowances equivalent to 25% of the property’s purchase price and our fee is 6% plus VAT of the identified Capital Allowance. However, if we don’t secure you at least £25,000 in unclaimed allowances you won’t owe anyone a penny.
For further information please contact Robert McKee at Portal Tax Claims on 07899 963990 or by e-mail: r.mckee@portaltaxclaims.com
Jeanette holds a degree in law and a degree in quantity surveying. She is also a qualified chartered surveyor. She has spent the last 9 years at KPMG London and was previously at Deloitte & Touche where she was responsible for building up the Capital Allowances part of the team. Jeanette To Claim Capital Allowances you (or your company) commented “Portal Tax Claims is a forward-thinking must satisfy the following criteria: business and this is a rare opportunity for me to join what is already a highly-regarded team of You are a UK taxpayer (Income Tax or Corporation capital allowance specialists. I am thrilled to be Tax) joining Portal Tax Claims and am looking forward to You own a UK commercial property or furnished driving the team forward.” holiday let with a minimum purchase price of Why choose Portal Tax Claims £200,000 (or a furnished holiday let within the EEA No Report – No Fee with a minimum purchase price of £300,000. No upfront fees The property is not held fully within a pension fund, 100% success rate charity, government owned or traded as stock. State of the art claim system Fair payment terms So who are Portal Tax Claims? No separate survey fee Portal Tax Claims are a specialist Capital Only 6% + VAT success fee Allowance claims company, which is part of the Portal Group. We work in collaboration with your Furthermore, we promise that if we can’t identify at existing advisers to identify and create least £25,000 in unclaimed Capital Allowances we retrospective and current Capital Allowance claims will give you our report entirely free of charge. You that lead to significant tax refunds. will not owe us a penny.
A recent and exciting development is that Portal
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Based in Gillingham
THE SUMMERHOUSE SALON The Summerhouse Salon provides a private but professional setting for your beauty and personal grooming needs. All treatments are performed by myself and take place in my self contained summerhouse located in the back garden. This avoids the embarrassment many people, especially men, feel at having to walk into a salon. There are no queues or waiting around in reception areas and you don’t have to walk pass anyone else. The summerhouse is unisex and caters for both men and women and specialises in intimate waxing for both men and women. You are assured of a friendly and welcoming service and I am fully qualified and insured for all treatments. I am always open to new ideas and try to stay ahead of the latest treatments and products. I provide a range of holistic and beauty treatments that you can mix and match in any combination you would like. I look forward to helping you wit your beauty needs.
Contact Lisa Tingley on: 01634 307004 44
SPECIAL OFFERS: 1. ÂŁ5 OFF FIRST TREATMENT 2. BUY ONE TREATMENT & GET ONE 1/2 PRICE
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