#get a copy of p60

[georgeshutcheson]

Form P60 - UK PAYE End of Year Certificate

New Post has been published on https://www.fastaccountant.co.uk/form-p60-uk-paye-end-of-year-certificate/

Form P60 - UK PAYE End of Year Certificate

What is a P60?

A form P60 is an end of tax year certificate that details how much taxable income an employee has received and how much tax has been deducted from their pay through the PAYE scheme. It also shows National Insurance contributions and any statutory pay taken out during the year.

Tax year for the purpose of Form P60 runs from 6th April in one year to 5th April the following year.

Employers in the UK must issue a P60 form to all their employees shortly after 5 April and no later than 31 May at the latest.

What is a P60 used for?

A P60 is a document which provides an overview of your earnings and taxes for the tax year. It also has details regarding statutory payments like sick pay, maternity pay and student loan repayments.

Employers have the option of providing employees with either a paper copy or electronic version of the form, depending on their business needs. Employees can then print off or submit it electronically to HMRC as part of their end of year PAYE processing.

For the employer, the P60 is part of an overall confirmation that they have been carrying out their PAYE duties correctly. This is essential if an employer wants to avoid a PAYE investigation and possible penalties for non-compliance.

As an employee, your P60 not only documents your earnings and taxes, but it can also be utilized to apply for tax credits or make a claim for means-tested benefits. Furthermore, it allows you to reclaim overpaid income tax.

Employees may use a P60 to apply for mortgage or loan, as well as prove their earnings to other financial institutions such as credit card providers. In fact, some mortgage companies will not provide a mortgage to an individual without it.

You will also need your P60 if you are one of those who are required to fill in a tax return at the end of each tax year. This might be the case where you have a large investment income, other self-employment income, you earn more than 100,000 pounds and various other situations.

Who needs to receive a P60?

As an employer, you must provide all employees on your payroll who were working for you on the last day of the tax year (5 April) with an end of year certificate. This form summarises their total pay and deductions during that year, including PAYE income tax, National Insurance contributions as well as statutory payments like maternity or paternity pay.

The P60 is an essential document for employee record-keeping and helps employers remain compliant with employment law. It contains vital information for both the employer and employees’ future needs, which could include claiming a tax refund or reclaiming overpaid National Insurance.

A sole trader or self-employed individual does not need to receive a one as they do not draw an income through PAYE.

What should I do if I don’t receive a P60?

The P60 serves as a type of End-of-Year certificate and often serves to prove an employee’s income; therefore, it’s essential that you obtain one.

At the end of every tax year, employers are legally required to issue their employees with a P60 form; usually in April or May. If your employer forgets to provide you with one at the end of May, make a formal request that it should be provided to you. It is unheard of for an employer in the UK to fail to provide the form to its employees by the due date.

How do I get a copy of my p60

It is important for an employee to keep their P60 in a safe place. If you lose your p60, there are several ways that you can get a copy of it. First, your employer can provide you with a replacement. If your employer is unable to, then HMRC can also supply you with a duplicate. For the latter, all that is necessary is your National Insurance number and access to a Government Gateway account.

What is the Difference between p45 and p60

When an employee leaves their current employment, their old employer must prepare and give them a P45. The form P45 should contain details of the employee’s name, address and National Insurance number. It should also contain the total gross pay and the tax deducted together with tax code to the date of living the old employment. The employee should then give Parts two and three of the form P45 to their new employer.

Employees typically keep a copy of their P45 form in case they need to demonstrate they’ve paid the correct amount in taxes. Unfortunately, National Insurance deductions and pension payments won’t appear on a P45 form, so make sure you obtain a copy of your payslip for confirmation.

To summarise, the main difference between form P45 and P60 is that P45 is given when an employee stops working for an employer while a 60 is given to an employee at the end of the tax year. Furthermore, a form P60 contain more detailed information about an employee’s earnings than a Form P45.

[fvckwithmefamo]

Form P60 - UK PAYE End of Year Certificate

What is a P60? A form P60 is an end of tax year certificate that details how much taxable income an employee has received and how much tax has been deducted from their pay through the PAYE scheme. It also shows National Insurance contributions and any statutory pay taken out during the year. Tax year for the purpose of Form P60 runs from 6th April in one year to 5th April the following…

[klatsmartin1]

replacement payslips

Introduction

In the intricate world of financial documentation, replacement payslips play a vital role. Understanding their significance and knowing the procedures for obtaining them is crucial for individuals facing various scenarios. This article provides a comprehensive guide on replacement payslips, covering everything from their definition to the benefits they offer.

Understanding Replacement Payslips

What are replacement payslips? Replacement payslips are duplicates of original pay statements, providing a record of an individual's earnings and deductions. They serve as essential documents in various situations, offering a snapshot of financial history.

Importance in various situations Whether for job applications, financial transactions, or legal requirements, replacement payslips are invaluable. Their accuracy and completeness contribute to the credibility of an individual's financial standing.

How to Obtain Replacement Payslips

Procedures and methods Learn about the procedures involved in obtaining replacement payslips. This section explores both online and offline options, ensuring accessibility for individuals with different preferences.

Online and offline options Discover the convenience of accessing replacement payslips online and the alternative of obtaining them through traditional offline channels. Choose the method that suits your needs best.

Eligibility for Replacement Payslips

Who can request replacement payslips? Uncover the eligibility criteria for requesting replacement payslips. Understanding the conditions ensures a smooth process for those in need of duplicate pay statements.

Special cases Explore scenarios where individuals may face unique circumstances, affecting their eligibility for replacement payslips. This section provides insights into special cases that warrant attention.

Reasons for Needing Replacement Payslips

Job applications Replacement payslips are often required during job applications as proof of income. Learn how having duplicates can enhance your application process.

Financial transactions In various financial transactions, such as loan applications, replacement payslips play a crucial role. Understand why having duplicates is beneficial in these situations.

Legal requirements Certain legal processes may require individuals to provide proof of income. Replacement payslips serve as vital documents in meeting these legal requirements.

Frequently Asked Questions

Can I request replacement payslips for multiple months?

Yes, you can request replacement payslips for multiple months as needed. Ensure you provide accurate details for each request.

Is there a fee for obtaining replacement payslips?

The process of obtaining replacement payslips is generally free of charge. However, there may be exceptions in certain cases.

Can someone else request replacement payslips on my behalf?

Under specific conditions, someone else may be permitted to request replacement payslips on your behalf. Check the guidelines to determine eligibility.

Is there a time limit for requesting replacement payslips?

While there's no strict time limit, it's advisable to request replacement payslips promptly when needed for documentation or legal purposes.

How can I rectify errors on replacement payslips?

If you identify errors on replacement payslips, follow the prescribed channels to rectify them. Timely correction ensures the accuracy of your financial records.

Can I obtain replacement payslips for a previous employer?

Yes, you can request replacement payslips from a previous employer, especially if they are essential for ongoing financial matters.

Benefits of Having Replacement Payslips

Assurance in emergencies In emergencies where immediate access to pay statements is crucial, having replacement payslips on hand provides a sense of assurance.

Convenience for various purposes From financial transactions to legal obligations, having replacement payslips offers unparalleled convenience. Explore the diverse benefits of keeping duplicates for different situations.

Ensuring Accuracy

Verifying information on replacement payslips Upon receiving replacement payslips, carefully verify the information for accuracy. Promptly address any discrepancies to maintain the integrity of your financial records.

Rectifying errors In the event of errors, follow the outlined procedures to rectify them. Timely correction ensures the reliability of your replacement payslips.

Conclusion

In the ever-evolving landscape of personal finance, replacement payslips emerge as essential documents. The ability to navigate the intricacies of obtaining, understanding, and utilizing these duplicates is empowering. Armed with the knowledge provided in this article, securing replacement payslips becomes a seamless and invaluable aspect of managing your financial journey.

[pondspump]

can i get a copy of my p60 from hmrc:

If you need a copy of your P60 from HMRC (Her Majesty's Revenue and Customs), you can request it through their official channels. Typically, employers provide P60 forms at the end of the tax year, summarizing your earnings and deductions. If you've misplaced yours, contact your employer first. If they are unable to assist, reach out to HMRC directly for a duplicate copy. Ensure you have necessary details such as your National Insurance number and personal information when making the request. HMRC's website or helpline can guide you through the process of obtaining a replacement P60 for your tax records.

#HMRC

#payslip

#P60

[nuclearblastuk]

NILE | reveal new album Vile Nilotic Rites + release debut single

NILE

REVEAL NEW ALBUM

VILE NILOTIC RITES 

+ RELEASE DEBUT SINGLE

'LONG SHADOWS OF DREAD'

PRE-ORDER THE ALBUM NOW: 

www.nuclearblast.com/nile-vnr 

Technical death metal Egyptologists NILE are proud to reveal that their ninth studio album, Vile Nilotic Rites, will be released on November 1st via Nuclear Blast. Today, the band gives fans a taste of the album with the release of the first single 'Long Shadows Of Dread'. Watch the lyric video here: https://youtu.be/tXZvLIN75Fs Karl Sanders commented, "I am thankful the day has finally arrived that we can share with fans the first single from Vile Nilotic Rites. It’s the opening track on the new disc, and a song we will be thoroughly enjoying playing live on our upcoming EU and USA tours. 'Long Shadows' was chosen as the first song we want people to hear from this upcoming album as this crushing track should leave NO DOUBT in anyone’s mind concerning the uncompromising, brutal, destructive intent evident throughout the entirety of the Vile Nilotic Rites album. I would also like to thank our fans who have been patiently waiting while we worked tirelessly to make this record undeniably the best NILE record in many years.“   George Kollias commented, “I’m super excited for the release of our new album and very happy our fans will finally get their first taste! It’s a special album for all of us since each member contributed on this a lot. I feel it represents the team work spirit NILE has right now and that shows on stage as well. I look forward to touring and playing these songs live for all the NILE fans!!”

Vile Nilotic Rites was recorded and produced by Karl Sanders at Serpent Headed Studios in Greenville, South Carolina with the exception of the drums which were recorded at Esoteron Music Studios in Athens, Greece with engineering handled by Jim Touras and George Dovolos. The album was mixed and mastered by Mark Lewis at MRL Studios. For the album artwork, the band returned to artist Michal "Xaay" Loranc who has worked with the band for over 10 years. Vile Nilotic Rites will be available in the following formats in the UK:

CD Digipack

Vinyl

Limited Edition White     Vinyl, Purple Vinyl & Beige Vinyl

CD + T-shirt bundle

Pre-order your copy of Vile Nilotic Rites in the format of your choice here: www.nuclearblast.com/nile-vnr  Pre-save the album on Spotify, Apple Music and Deezer: https://nblast.de/NilePreSave

Vile Nilotic Rites track listing:

Long Shadows of Dread

Oxford Handbook of Savage Genocidal Warfare

Vile Nilotic Rites

Seven Horns of War

That Which is Forbidden

Snake Pit Mating Frenzy

Revel in their Suffering

Thus Sayeth the Parasites of the Mind

Where is the Wrathful Sky

The Imperishable Stars are Sickened

We are Cursed

WATCH: 'Long Shadows Of Dread' lyric video

NILE recently announced a tour that’s due to hit the UK (three UK dates) and Europe this month, set to continue into October. They will be accompanied by American death metallers HATE ETERNAL, VITRIOL and Swiss band OMOPHAGIA. The full tour consists of 25 shows across eleven countries. UK tickets are on sale via the below links!

10.09.    PL       Warszawa - Progresja

11.09.    PL       Poznań - U Bazyla

12.09.    PL       Kraków - ZetPeTe

13.09.    HU      Budapest - Durer Kert

14.09.    AT       Vienna - Szene

15.09.    CZ       Brno - Melodka

16.09.    DE       Munich - Backstage

17.09.    CH       Aarau - Kiff

18.09.    DE       Mannheim - MS Connection

19.09.    IT        Milano - Slaughter Club

20.09.    IT        Rome - Largo

21.09.    IT        San Dona di Piave - Revolver    

23.09.    FR      Tbc   

24.09.    UK      Manchester - Club Academy

25.09.    UK      Glasgow - Slay

26.09.    UK      London - The Dome

27.09.    BE      Mons - Lotto Mons Expo Club

28.09.    NL      Helmond - Cacaofabriek

29.09.    DE      Essen - Turock      

01.10.    DE      Bremen - Tivoli

02.10.    NL       Amstelveen - P60

03.10.    DE      Bad Oeynhausen - Alte Druckerei

04.10.    DE      Lichtenfels - Way Of Darkness Festival

05.10.    DE      Leipzig - Hellraiser

06.10.    PL       Wrocław - Zaklęte Rewiry

NILE online: www.facebook.com/nilecatacombs/ www.nuclearblast.de/nile

[lilidhshoneynutfeelios]

time for a quick streamofthought i guess

so i got all my results back and i’m def getting into third year so thats good bc like, idk, i said that on a triangle of tranny, disowned, and drop out i could only handle two, so theres that. i didnt get any internships i applied for and idk what i should do i should spend more time in glasgow w finn at least, its good for my soul i think, im really excited to get a saas in and move out and just like, idk, i dont want to talk to my mother, shes made it v clear what she thinks of me and theres a lot of like, not-that-hard ways i could work to repair this relationship right now that i know about (esp on like, financial tension levels) but like, that doesnt mean that i want to forgive her? or that the way shes been treating me hasnt been like, traumatising, and im really trying hard rn for it not to be like a Trauma i think theres things i can do in as it happens so that like, idk it doesnt become a Big Trauma but idk its always going to be like ,a nerve at least yknow like being queer is like a lot of microtraumas sometimes for your entire life esp transness i think but like, i dont need to be told im a perv? i dont need to be like, examined like a piece of meat every time i stand up? i dont need her to drunkenly try to throw me out at 2am and her be talked down by her weirdo potstirring partner, i dont need her weirdo partner to physically threaten me. i dont need to overhear what she says about me. i dont need to forgive any of that. i dont need to have any relationship to her. ive already estranged my older (half) sister for how she acted. right. anyway. idk im excited to go hogwild w my studies and my SA stuff this year and just live for it. im gonna like try to manage my feral anxiety atm like i should go to the doc and be like hey i get panicky in weird episodes relating to trauma, instability, and road traffic accidents and i want some propranolol pls, but also like, i can take whatever like, downer-esque drugs im proffered but like, i still need something in the system so that i enjoy things so maybe i should like microdose acid or smthn like im not that fond of weed and like mandys not good for microdosing and im fecked to find a shroom guy in aberdeen its hard enough to find someone that sells acid anyway fucking coke city also i lost my passport and i cant buy booze or fags or go out and its killing me. anyway so home is shit maybe if i didnt go off saturn we couldve moved in together sooner but whatever i still need to get my exercise bike from them and also my fixie and im kinda out of shape rn but i had a wee episode and only ate peanut butter from the jar for a while but thats okay finn hasnt been online today and im worried they didnt make it to work but it’ll be okay i kinda want multiple of their friends to strap me but thats another matter entirely also i havent seen the poetry lesbian in a while and idk what my tiny gay heart is doing there idk i get like a lot of short intense crushes and thats fine but idk if its passing or just like, i havent seen her in a while also ive hooked up with my ex twice and also my mate and im kinda feral anyway i checked in on them when i got to aberdeen then someone else and i kinda have this idea that i could move in with them and help them w this Patch their in but its like,,,,probably not a good idea like they should live w someone but idk if that should be me. i need to go to sleep now so i get rest for this shift i picked up and then i gotta

transfer money

order bus tickets

arrange a blood test

get a copy of dianes p60 for the saas

maybe change my name on the uni system

apologise to onni bc they were stuck w me in a hostel for 2 days at the height of my manic episode and i didnt realise how annoying that could be and also i just wanna check how theyre doing in sweden now?

nap

[gerryconway]

Is comic book publishing a doomed enterprise? Since the days I first entered the business in the late 1960s, one of the perennial fears of creators and industry executives has been the imminent collapse of the retail comic book market. It's not an unreasonable fear: in fact, in readership numbers, the market has already collapsed. When I started writing comics fifty years ago, the published sales figures for the solo Superman comic was about 600,000 copies a month. Five years later, sales figures had dropped to about 300,000 a month. By the late 1980s, less than 100,000 a month. [1](http://www.comichron.com/titlespotlights/superman.html) Recent sales of Superman have been in the mid-five figure range. [2](http://www.comicsbeat.com/dc-comics-month-to-month-sales-chart-january-2017-comic-readers-vs-gratuitous-rebirth-one-shots/) From 600,000 to 60,000-- if that isn't a collapse of readership, I don't know how else to describe it. To be fair to Big Blue, and show this isn't exclusively a DC problem, Spider-Man's main solo title displays a similar collapse in readership, though its collapse is more recent. [3](http://www.comichron.com/titlespotlights/amazingspiderman.html) But wait, you'll say. You're comparing apples and oranges. Back in 1968, comics were 12 cents each; today they cost an average of $3.44. [4](https://www.statisticbrain.com/comic-book-statistics/) True enough. In 1968 the median household income was $7,700 annually. [5](https://www2.census.gov/prod2/popscan/p60-065.pdf) In 2016 the median household income was $59,000 (a squishy number with lots of caveats apparently). [6](https://www.thebalance.com/what-is-average-income-in-usa-family-household-history-3306189) Let's examine all those figures, recognizing that the economic world of 1968 is vastly different from the our world today. (For example, that $7,700 household income was for a one-earner family; today most families are two-earners.) Let's take inflation. It's an eye-opener. $7,700 in 1968 is worth $54,162.42 today [5](http://www.in2013dollars.com/1968-dollars-in-2017?amount=7700), so today's family is actually ahead by $5,000 a year. (On the other hand that additional $5,000 is worth $725 in 1968 dollars.) So apparently incomes have more or less kept up with inflation, and in most cases, specifically in the cost of high technology, the price of many items has decreased in real terms since 1968. And many if not most of the things we've come to depend on today didn't even exist in 1968. For example, an RCA color television/phonograph console in 1969 cost $975 for a gigantic 23" picture [6](http://www.tvhistory.tv/tv-prices.htm)-- in 2017 dollars, $6,858.00. Today, you can find an RCA-brand 4K 65" smart TV for about $590 at Walmart. [7](https://www.walmart.com/ip/RCA-ROKU-4K-65-SMART-UHD-LED-TV/330129369) In 1968 dollars that's about $100-- and nobody in 1968 could even have understood the descriptive terms 4K, 65", or "smart TV." But what about household staples? Haven't prices skyrocketed for, say, milk? In 1968 the price of a gallon of milk was $1.07. [8](http://www.the60sofficialsite.com/1968_Economy_and_Prices.html) Today the price is about $3.16. [9](https://www.statista.com/statistics/236854/retail-price-of-milk-in-the-united-states/) That's less than half the rate of inflation. (Inflation would have put the price of a gallon of milk in 1968 dollars at over $7.) Cars? Cars in the 1960s ran in price from the low $2000s to the high $5000s, probably averaging around $3500. [10](http://www.thepeoplehistory.com/60scars.html) (My dad bought a Chevy Nova in 1969 for about $2000, if I remember right.) The average price for a new car today is about $33,000 [11](https://www.usatoday.com/story/money/cars/2015/05/04/new-car-transaction-price-3-kbb-kelley-blue-book/26690191/)-- or about $10,000 more than inflation alone would predict. What do you get for that additional $10,000? Where to start? Computerized controls, air conditioning standard, safety and convenience and energy conserving features drivers in 1968 would have considered science fiction. So maybe the increase in average price is worth it, especially since many people don't buy cars anymore-- they lease them, something that wasn't an option in 1968. So, with all these inflation stats considered, how does the comic book business of today compare to the comic book business of 1968? In purely inflationary terms, everything else being equal, a comic that cost 12 cents in 1968 should cost 84 cents today. But everything else isn't equal, of course. The production quality of today's comics is vastly superior to those of 1968. The four-color newsprint presses of 1968 produced comics that look barely readable compared to the glossy monthlies we see now. So maybe a doubling of price might be justified sheerly for the increase in production quality. Yet isn't some of that cost of production offset by the change in the system of distribution? In 1968, almost half of a production run was lost to newstand "returns"-- to sell 600,000 copies of Superman, National Periodical Publications printed over 1,000,000. Today's comics are sold on a no-return basis. No excess copies are printed. (This sometimes results in second print runs on popular new titles, something that would have been inconceivable in the 1960s.) Despite the increased price of quality printing, I have to think technological advances in printing and distribution have kept pace with at least some of the companies' production costs. Creators certainly aren't making much more money now than they did in 1968. (Top page rates have barely increased over inflation, and average page rates are probably less than you'd expect in inflationary terms.) So why do comics cost, on average, almost five times what inflation alone might predict? Why haven't comics benefited from the deflationary pressures that reduced the price of milk and TVs, not to mention all the technological wonders that didn't exist in 1968 but which have plummeted in price in real terms since their introduction? (Personal computers, video games, VCRs-into-DVDs-into-streaming media, cell phones, e-readers, etc., etc.) It's pretty simple to understand, sadly. The reader base for comic books has almost completely disappeared, which requires each reader to pay more for any individual issue in order to support the company that produces the book. My guess is there are about 400,000 regular comic book readers in America. I base this guess on the following statistics: The total yearly sales in the direct market are about $418,000,000. The average price of a comic is $3.44. [12](https://www.statisticbrain.com/comic-book-statistics/) Divide those numbers and you get the following: 122,511,628 comics sold a year, or about 10,000,000 comics a month. According to the best guess of various interested parties [13](https://www.newsarama.com/33006-is-the-average-age-of-comic-book-readers-increasing-retailers-talk-state-of-the-business-2017.html) the average comic book reader is somewhere between 25-35 years old. According to labor statistics, the average salary for people between the ages of 24-34 is $39,000. [14](https://smartasset.com/retirement/the-average-salary-by-age) A little math shows that this block of readers doesn't have an inexhaustible amount of disposable income. After taxes, a generous guestimate puts the average comic book readers' weekly income at about $570. Food, shelter, clothing, and transportation all have to come first before they can devote any spending to their comic book interests. Let's be optimistic and say they're dedicated readers who devote 5% of their income to buying comics. That's $28 a week or about 8 comics a week, 24-26 comics a month. 10,000,000 comics sold a month; 25 sold to each reader; 400,000 readers. How does 400,000 comic book readers (an optimistic number, I admit) compare to the number of people who've seen, say, "Black Panther?" Recent estimates put "Black Panther"'s domestic box office at about $500,000,000 [15](http://deadline.com/2018/03/black-panther-third-weekend-red-sparrow-death-wish-operation-red-sea-detective-chinatown-2-international-box-office-1202310277/) with an average ticket price of $9 [16](https://www.hollywoodreporter.com/news/average-price-a-movie-ticket-soars-897-2017-1075458), meaning "Black Panther" has been seen by approximately 55,000,000 people. Fifty-fifty million comic book movie viewers, versus less than half a million readers. Even if those numbers are wildly inaccurate at the margins, that's still a ridiculously significant difference. It points to an inescapable fact: comic book readers are at best a very minor part of "comic book culture." This is particularly true when you consider that individual readers each have loyalty to only a handful of characters. If you're buying 25 titles a month on average, and you're a Batman fan, probably a fifth of your purchases are Batman-related comics. Which means that Batman's total readership is less than what might be indicated by the cumulative amount of sales across all titles. If the average Batman title (Batman, All-Star Batman, Detective Comics, Batgirl, Batwoman, Nightwing) sells about 50,000 copies, there's probably quite a bit of overlap-- the same buyer purchasing multiple books. There may, in fact, only be about 50,000 actual Batman readers. Ditto for other characters or character lines (X-Men readers, Avengers readers, Superman readers, etc). It's entirely possible the figure of 400,000 readers is wildly exaggerated. Dedicated fans may be buying more than 25 comics a month. In which case the actual full-time readership might be vastly smaller-- maybe only 100,000 readers. In any event, what's clear to me is that the viability of comic book publishing as a way to make money directly is clearly limited by a shrinking, if not fully collapsed, market base. The question is, where do the publishers go from here? Do they continue to pursue that small base of readers? Is there a way for them to attract the vast number of people obviously attracted to the larger "comic book culture" represented by movies and TV? Or will comics (as I believe likely) become a subsidized form of intellectual property development for the more lucrative and culturally impactful film and television divisions of the corporate entities that own them? Your guess is as good as mine.

[groupeorbis]

Top 10 Tips by Mortgage Specialists for a Successful Financial Commitment

A mortgage is one of the biggest financial commitments that one can think of. But if someone wants to get the best deal, they must consider valuable tips from a Mortgage broker in Montreal and improve their chances of getting accepted. The following are some of the best tips from an independent mortgage broker in Montreal to help clients get the mortgage they desire.

Credit Scores

One must always get a copy of their credit report before applying for a mortgage which is often scrutinized by credit reference agencies. This gives clients an idea of the lenders’ perspective. However, if the credits score is not handsome, one can easily boost it by closing down unused credit accounts.

Budgeting

To determine the best mortgage rates in Montreal, one has to do the budgeting before making any investment including purchase cost and associated fees. One must also include interest value in the same. A Mortgage Calculator in Montreal can help clients to do accurate budgeting of their finances. Orbis Groupe Hypothecaire offers some of the best solutions for financial planning.

Jobs Matter

Employment of the client is often a component of consideration in the scope of mortgages. Many lenders want proof of long-term employment before lending out the mortgage.

Debts are a Bad Idea

Always make sure to clear all debts and credit amounts before applying. This shows financial management skills and responsibility propelling an easier approval.

Proof of Income

A Mortgage specialist in Montreal will always advise clients to have a yearly P60 form on them. Lenders want to see a summary of pay as well as tax deductions. They may also ask for bank statements or payslips to determine the client’s outgoing spending.

Proof of Accounts

Some people are self-employed. In that case, lenders want proof from clients with the assurance that they can keep up with monthly payments. In such cases, an SA302 form or account details are needed. However, without these, one is likely to be accepted for a mortgage.

Making a Bigger Deposit

Those who are willing to put more amount as their deposits are likely to get more options for a mortgage. This way, one will also be able to make feasible arrangements for monthly repayments.

A Joint Buy

Teaming up with someone also increases the chances of getting a decent mortgage. If the other person has a great credit score and a good income, the process becomes very easy and sometimes gets approved for Mortgage Pre-Approval in Montreal.

Keeping Applications Intact

After initiating the process and submission of the application, it is advisable not to change anything, It results in unnecessary delays.

Hiring a Mortgage Broker

Mortgages can be an overwhelming process. So, if someone is struggling, it is best to hire a professional who can guide clients through the entire process leading them to the best outcome.

Conclusion

Before investing in anything, one must do a thorough research which results in taking the best decisions related to the mortgage. The aforementioned tips come from the expert’s mouth and are very handy when hunting for the best deals.

[greystoneaccountants1122]

What your accountant needs to file your tax return

With the tax return deadline just months away, there are probably thousands of business owners desperately trying to gather all their receipts and expenses together, ready to drop them off at their accountant’s office.

 If you use paper records, here is a breakdown of what records your accountant will need to produce your accounts and your self-assessment tax return.

 Most importantly, remember that the 2020-2021 tax return covers the tax year 6th April 2020 to 5th April 2021. If your accounts have a 31st March year-end, that will be a simple 1st April 2020 to 31st March 2021 period or if you have a different year end, it will be 12 months to your accounting year end date that falls in the above tax year. For example, if your year-end is 31st December, it will be records for 1st January 2020 to 31st December 2020 that is needed.

 Records for your Tax Return

Employment Income – If you have any employment income in addition to being self-employed, you need to provide your P60, or P45 if that employment income ceased during the year.

 P11d – This would be for any benefits in kind you received from your employment.

 Dividends received during the year.

 Rental income – Your accountant will need to see details of your rental income and property management expenses. Statements will be required from the letting agent if you have one. Also, your mortgage interest allows for some additional relief. The rules are complex and your accountant will be able to determine how much tax relief is due on the interest and any mortgage arrangement fees paid.

 Private pension payments – Give details of any payments made as these can give you additional tax relief if you qualify.

 Bank interest received – Any interest received during the year (excluding ISAs). HMRC is tightening up its links with banks so ensure you provide the correct figures.

 Any other income or gains you received during the year. This may come from another self-employment job that you may have or a chargeable gain from selling a rental property or some shares etc.

 Your tax return must show all your income so check with your accountant anything you are unsure of.

 Getting your financial affairs in order well ahead of the deadline also means that you are far less likely to be hit with costly penalties or interest either because the tax return was filed late, there was an error due to it being rushed, or you don’t have sufficient time to plan for payment of any tax liabilities.

 Need help completing your tax return? Book an appointment with us today on Records for your accounts

Bank statements – For all your business accounts and for the  period your accounts cover. You’ll probably have one main account, but if you have a deposit account or a reserve account, make sure to include these statements too. Don’t forget to include any cheque books and paying-in books if you still use these.

 Loan statements – Your accountant will need to see these to make sure the closing balance is included in the accounts correctly and that the correct amount of interest has been included as a deductible expense.

 Finance agreements – Copies of any new agreements taken out in the year. The interest on the repayments is a tax-deductible expense and the asset purchased could attract the annual investment or other capital allowances.

 Business credit card – They’ll need these statements too. If it’s a personal card that you occasionally use to pay business expenses, spend the time highlighting these. This will save your accountant having to go through these.

 All sales income. That means all your sales invoices for the year (regardless of whether they have been paid or not) or details of your daily takings if you do not issue invoices.

 All purchase invoices and expenses receipts for the period. If your accountant doesn’t have these, they may need to make assumptions and/or some expenses could be missed out altogether, thereby increasing your tax bill.

 Petty cash receipts – Your accountant will need the petty cash balance at the year end. They will need to reconcile your cash, so these records are vital.

 Payroll records – Unless your accountant operates your payroll, you will need a print-out of each month’s pay run so they can check to ensure all wages amounts and employers national insurance are included.

 Stock value – a valuation of any stock held at the end of the year is required. This should be included at what it cost you, or its value if lower.

 Arguably, keeping your records in a paper format isn’t the best system to have, so it is possible that you will hear from your accountant not long after you have supplied your records. They’ll probably be chasing missing paperwork, maybe even asking for paperwork that relates to the correct tax year.

 As we move closer to Making Tax Digital, you should consider moving over to online bookkeeping software. This will keep all your records in one place and automatically organise them for you so there would be no need to worry about missing anything off as you can simply give your accountant access to your online records throughout the year. Here at Tax Accountants Walsall   we offer clients access to QuickBooks, Xero and Dext (formerly Receipt Bank), as well as providing you with training to ensure you are happy with how it all works.

[minerspensionfight]

we need to change tactic as the whole world knows how much the government has taken out of our pension pot. The whole world doesn't know how poorly retired miners are paid! Do you know your gross MPS pension from about 20 years ago? No!—By law we must be provided with Form P60 you may have P60s from other employers or pension providers but the one we are concerned about is YOUR MPS P60 form. Some of you will be familiar with the MPS website login procedure and will have no trouble accessing your pay details. Others will have to Register on the MPS website this will provide you with login and password details by which will allow you access to your pay and P60s details. When you get access to your pay please copy the pay details from about 20 years ago or there about , say 2000 up to the most recent probably year 2020. That’s 20 years worth of pay details at your fingertips. Now for some sums! write down the year 2020 pay then write down the earliest sum, say year 2000. take one from the other. eg £5000 - £2500 = £2500. that will be how much pay increase you have received in the las t  20 years. Poverty is the name of the game. The injustices put on the mining industry is well known but the scale and pittance of retired miners is not well known. Lets take this campaign in another direction we are paid pittances and show the evidence of the pittances. people will then put the evidence up against other evidence of other incomes such as MP's expenses and such. Any problems let us know or you could phone the MPS office and make an enquiry. The MPS phone number:

[georgeshutcheson]

How to Get a P60: Your Comprehensive Guide

New Post has been published on https://www.fastaccountant.co.uk/how-to-get-a-p60/

How to Get a P60: Your Comprehensive Guide

Ever found yourself in a twist, wondering how to get a p60 and where to get one? You’re in the right spot! Let’s unravel this together.

Introduction

Definition of a P60

Alright, let’s start with the basics. A P60 is essentially your year-end tax summary provided by your employer. Think of it as your yearly financial report card. It tells you and the taxman exactly how much you’ve earned and the amount of tax you’ve paid over the tax year. It will also contain the totals of other deductions from your salary during the tax year. The tax year runs from 6th April in one year to 5th April in the following year. Notice that it is 12 months long.

Importance of a P60 in tax documentation and employment

Having a P60 is super important. Not only does it provide proof of your earnings and tax payments, but it’s also a key piece of the puzzle when it comes to tax documentation and validating your employment status.

Understanding the Basics of a P60

What is a P60?

As mentioned earlier, a P60 is your year-end summary of earnings and taxes. Issued once a year, it helps you see at a glance how much moolah you’ve made and how much you’ve handed over to the taxman.

Key details found on a P60

Your P60 isn’t just a random piece of paper. It’s loaded with essential info like your total earnings, total tax deducted, National Insurance contributions, and other crucial details that give a full picture of your financial year.

Difference between P60, P45, and other related documents

Okay, so here’s where things can get a tad confusing. The P60, as we’ve discussed, is your year-end statement. The P45, on the other hand, is what you get when you leave a job. It summarizes your earnings and tax up until that point in the tax year. Basically, P45 = goodbye job, P60 = year-end recap.

Reasons You Might Need a P60

Whether you’re diving into the world of mortgages, sorting out your tax returns, or just looking to address some tax code hiccups, your P60 is going to be your BFF.

Proof of income for loan or mortgage applications

Thinking of buying a flat or house? Most mortgage providers will ask for your P60 as a proof of income. It reassures them that you’ve got the income to handle your repayments.

Tax return submissions

When you’re wrestling with tax return submissions, having your P60 by your side can make the process a breeze. It’s got all the figures you’ll need.

Addressing discrepancies in your tax code

Sometimes, tax codes go wonky. If you spot an error, your P60 is the golden ticket to set things straight with the tax office.

Proof of employment or past earnings

Maybe you’re switching jobs, or you’re just keeping track of your career earnings. Either way, the P60 serves as an authentic record.

How to Get a P60

From Your Employer

Timelines: When employers should issue a P60

Employers usually roll out P60s at the end of the tax year, typically by the end of May. If you haven’t received yours by then, give HR a nudge.

How do I get a copy of my p60: What to do if you lose your original

Oops, I’ve lost my p60? No sweat. You can ask your employer for a replacement p60. They should be able to provide another copy without too much fuss.

Online Through the Government Gateway

Creating an account or logging in

One of the coolest things about the modern age? Digital access! You can log in or set up an account on the Government Gateway website and get a replacement p60. Handy, right?

Navigating the interface to locate and download your lost P60

Once logged in, just follow the prompts. Navigate to the tax section, and a copy of your lost P60 should be waiting for you there. Click, download, and voilà!

Via Post

When and how to get a p60 copy by mail

Not a techy person? No problem. You can get a copy mailed to you. To get a copy, simply contact your employer or the tax office and ask for one.

Potential delays and how to address them

Remember, snail mail can be, well, snail-paced. If it’s been a while and your P60 hasn’t popped through your letterbox, give the sender a shout.

Electronic P60s: The Modern Method

Benefits of electronic P60s

Apart from being super convenient, electronic P60s are eco-friendly and reduce the risk of you misplacing that crucial piece of paper.

How to access, download, and print them

Once you’re on your personal tax account or your employer’s portal, just find the relevant tax year, download the P60 as a PDF, and print it if you need a hard copy. Simple as pie!

How to get a p60 if you are retired

If you’re retired, obtaining a P60 can be a straightforward process, especially if you’re receiving a pension. Your pension provider should automatically issue a P60 at the end of each tax year, detailing the amount of pension you’ve received and the tax deducted. This applies to both workplace and state pensions. If you don’t receive your P60 by the end of May, simply get in touch with your pension provider and request one. Keep in mind, if you have multiple pensions, you should receive a P60 from each provider. Always store these documents safely, as they are vital for any tax-related queries or clarifications.

Common Questions About the P60

Why haven’t I received my P60?

Could be a number of reasons. Maybe it got lost in the mail, or there was a delay in processing. Always best to touch base with your employer or HR department.

Can I get a P60 if I’m self-employed?

Nope. If you’re self-employed, you won’t get a P60. Instead, you’ll likely have other forms or statements to track your earnings and tax.

What should I do if there are errors on my P60?

First off, don’t panic. Mistakes happen. Contact your employer’s payroll department, and they should be able to help correct any discrepancies.

Is a P60 required for all employment types?

Mostly, yes. If you’re on PAYE (Pay As You Earn), you should receive a P60. But, like we said, if you’re self-employed or have other income types, the game might change a bit.

Keeping Your P60 Safe

Why it’s essential to store your P60 securely

Think about it: Your P60 is like your financial DNA for the year. You wouldn’t want it falling into the wrong hands, would you?

Digital backups: cloud storage and encrypted solutions

Consider backing up your P60 on a cloud storage platform. But, always make sure it’s encrypted and password-protected.

Avoiding common pitfalls and scams related to P60 documentation

Scammers are everywhere. Be wary of unsolicited communications asking for P60 details. Always double-check sources and never share your P60 willy-nilly.

Conclusion

So, there you have it. Your P60 is more than just a piece of paper; it’s a record, a proof, and sometimes, a lifesaver. Treat it with care, and it’ll have your back when you most need it.

Additional Resources

Interested in diving deeper? Check out official tax office websites for guidelines. You can also explore tools and platforms for digital storage or hop onto forums for further discussions on how to get a p60. Knowledge is power, right?

FAQ

Q: How often will I receive a P60? A: Once a year, usually by the end of May.

Q: Can I get an electronic version of my P60? A: Absolutely! Just log into the Government Gateway or ask your employer.

Q: What if I switch jobs mid-year? A: You’ll get a P45 from your old job and a P60 from your new job at the end of the tax year.

Q: Is a P60 form the only proof of income? A: It’s a primary one for employees. If you’re self-employed or have other income types, you might have different documents.

[fvckwithmefamo]

How to Get a P60: Your Comprehensive Guide

Ever found yourself in a twist, wondering how to get a p60 and where to get one? You’re in the right spot! Let’s unravel this together. Introduction Definition of a P60 Alright, let’s start with the basics. A P60 is essentially your year-end tax summary provided by your employer. Think of it as your yearly financial report card. It tells you and the taxman exactly how much you’ve earned and the…

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Grab Superapp APK

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Rewards for using Grab GrabRewards: Earn reward points for every dollar you spend and use them to redeem deals in the GrabRewards catalogue

FAQs Is grab available in Bulacan? Grab teams up with the City Government of San Jose Del Monte Bulacan to create thousands of livelihood opportunities, promote mobility solutions 

How do I get a grab receipt? Just open Grab app, and follow these steps to access your individual transactions first: Look for Account icon at the bottom right corner of the home screen. Select Help Centre. Your last booking will be displayed. ... Then, under Payment and Receipt Issues, look for I'd like an email copy of my receipt article.

How do you use the grab taxi app? Step 1: Download the app & register. It's free! ... Step 2: Identify pick-up and drop off points. Launch the app. ... Step 3: Book your GrabTaxi. Once you're super sure about your booking, tap on “book now”.  Step 4: Ride your GrabTaxi.  Step 5: Mark that you've arrived at your drop off point.

How much do you pay for grab a taxi? For a 6-seater vehicle, Grab charges a flagdown rate of P60, with P13 to P19 per kilometer. For premium cars, the base fare is at P70 on top of P16 to P23 per kilometer.

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[payslipsonline]

Why P60 is Important for UK Employee

Why P60 is Important for UK Employee

Among all other tax forms, an important form that you will need during various financial processes is the P60 form. It contains a complete summary of the amount paid to you by the employer and the tax paid by you during the year.  This post will explain you the importance of P60 and will give you information about when you will get it, and how to get a copy if you lose it. Let’s start:  The P60…

[frontblast-blog]

BELPHEGOR: THE MIGHTY AUSTRIANS PAIR WITH MELECHESH FOR A  SUMMER TOUR!

Beware Europe: the Totenritual rampage  will continue over the summer to bring havoc and devastation! 

Death/black titans BELPHEGOR  are back  with an array of unmissable live shows  to support their latest opus, Totenritual which was released via Nuclear Blast Records on September 15th 2017. BELPHEGOR will be joined by label mates MELECHESH! Here is the full tour schedule:

14.06.              D         Ferropolis - With Full Force (only BELPHEGOR) 15.06.              NL        Groningen - Vera 16.06.              D         Osnabrück - Bastard Club 17.06.              NL        Amstelveen - P60 18.06.              UK       London - The Dome 21.06.              CH       St. Maurice - Le Manoir 22.06.              CH       Winterthur - Gaswerk 23.06.              I           San Donà di Piave - Revolver 24.06.              I           Rome - Traffic Live Club 25.06.              I           Paderno Dugnano (MI) - Slaughter Club 27.06.              H         Budapest - Blue Hell 28.06.              SK        Bratislava - Randal Club 29.06.              PL        Katowice - Mega Club 30.06.              PL        Poznań - u Bazyla

Tickets for the London show on 18.06 are priced £22.15 and are available  for purchase from the following link

https://www.eventbrite.co.uk/e/belphegor-melechesh-at-the-dome-london-tickets-45141562629?aff=efbeventtix

BELPHEGOR will then continue their Totenritual crusade across the globe, as they will return to Australia and New Zealand before  taking over several summer festivals:

05.05.              AUS     Sydney - Direct Underground Fest 06.05.              AUS     Melbourne - Direct Underground Fest 07.05.              AUS     Brisbane - Crowbar 09.05.              NZ       Wellington - Valhalla 10.05.              NZ       Auckland - Whammy Bar 13.07.              S          Gävle - Gefle Metal Festival 25.07.              SLO      Tolmin - Metaldays 02.08.              D         Wacken - Wacken Open Air 04.08.              RO       Rasnov - Rockstadt Extreme Fest 09.08.              E          Villena - Leyendas del Rock 11.08.              CZ        Jaromer - Brutal Assault 25.08.              A         Spital am Semmering - Kaltenbach Open Air

BELPHEGOR recently released a lyrical performance video of The Devil's Son, a song dedicated to legendary Italian violinist Niccolò Paganini (1781-1849), whose playing skills were so unique that he was told to have made a pact with the devil... 

You can watch the video clip here: https://youtu.be/PSipEak-WMw

You can get your copy of Totenritual  from the following link:

http://nblast.de/BelphegorTotenritualNB 

More about Totenritual:

Baphomet uncensored music video: https://vimeo.com/234694061 Apophis - Black Dragon' [LYRIC VIDEO]: https://www.youtube.com/watch?v=RXT7t2yKAZQ Baphomet (live video): https://www.youtube.com/watch?v=ceRv2X5UEK0 www.belphegor.at www.facebook.com/belphegor www.nuclearblast.de/belphegor

[ukftm]

How would you get the evidence proving you've been living as a me for 2 years

Assuming you’re talking about evidence for a Gender Recognition Certificate, the official guidance gives the following list as suggestions:

Official documentation e.g. driving licence and passport;

Payslips or HM Revenue & Customs (HMRC) documents such as a P60 or P45;

Department of Work and Pensions or HMRC benefit or tax letters or documents;

Bank or other financial institution documents or statements;

Letters from official, professional or business organisations such as from solicitors, accountants, dentists, doctors, employers or letters from people who know you on a personal basis;

Utility bills;

Academic certificates or documentation;

Health Care or identity cards including photo ID issued by an official organisation.

In practice, most documents that give your name and a date will be suitable, although items from the above list are preferable where you can obtain them.  Some of these are things which you might have kept, and you may be able to request previous copies of others (i.e. bank statements).

~ Alex