#when do you get 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…

[butchnandos]

> go to hmrc to register as self employed

> insert information

> verify your identity with our app

> app says need to start process again on a mobile device

> insert all same info again (smaller)

> get back to the verify identity step

> sorry, this didn't work. try another verification method

> okay i'll give you my passport and driving license details

> sorry, we don't recognise your identity

> oh fuck forgot to change name with hmrc

> google "how to change name with hmrc"

> follow links

> get back to same godforsaken verify identity page

> well we still have a problem because the name on my passport and driving license don't match the deadname you cunts have over there at her majesty's revenue and customs

> manage to dig a P60 out of a cupboard (the only one i have ever had, for a summer job)

> when did you change your name? DD/MM/YYYY

> GIRL AS IF IT WAS ONE DAY YOU CUNTS MAKE IT IMPOSSIBLE TO DO EVERYTHING ON ONE DAY!!

> did you change your middle name? Y/N

> well yes, i changed it from [redacted] to nothing i got rid of it

> "error. please fill in your new middle name"

> CAN NOTHING BE EASY

well i think i've done it! well. step one at least. whole rigamarole and not even registered as self employed fucks SAKE

[osserviie]

Where Do I Get My P60 Ireland – What Is A P60 Form

How do I get my P60

In Ireland, your P60 form is typically provided by your employer at the end of the tax year. The P60 is a statement of your annual pay and the tax deducted from it. It contains details of your total pay, deductions, and contributions for the tax year (January 1st to December 31st).

Your employer is responsible for generating and issuing the P60 form to you. They usually distribute P60s to their employees by the end of February following the end of the tax year. For instance, for the tax year ending on December 31st, 2022, your employer should provide your P60 by the end of February 2023.

If you have not received your P60 from your employer by this time, you should contact them directly to request it. They are obliged to provide this document to you, as it’s important for various purposes, such as filing your tax return, applying for loans or mortgages, or verifying income for certain benefits or visas.

Remember that your P60 is a crucial document for verifying your earnings and tax contributions, so it’s advisable to keep it in a safe place for reference when needed.

Income Documentation: The P60 serves as an official record of your total income, including salary, bonuses, and other benefits, for the entire tax year.

Taxation Information: The P60 form provides details about the income tax, Universal Social Charge (USC), and Pay Related Social Insurance (PRSI) contributions deducted from your salary during the tax year. This information is essential for understanding your tax liabilities.

Tax Refunds: If you are entitled to a tax refund, the information on your P60 is crucial for calculating the amount you may be owed. This could be due to overpaid taxes or eligible tax credits.

Financial Planning: The P60 form is a valuable document for financial planning purposes. It helps you assess your annual income and tax contributions, aiding in budgeting and future financial planning.

Proof of Income: The P60 can serve as proof of income for various purposes, such as when applying for loans, mortgages, or other financial products. Lenders often request proof of income to assess your financial stability.

Social Welfare Entitlements: The P60 may be required when applying for certain social welfare benefits or allowances. It verifies your income and tax contributions, ensuring accurate assessment of your eligibility for specific benefits.

Employment Verification: The P60 form provides a summary of your employment details, including your employer’s name and registration number. This information can be useful for employment verification purposes.

Tax Compliance: Holding a P60 demonstrates that your employer has complied with tax regulations by providing you with a statement of your income and deductions.

References content:

https://osservi.ie/where-do-i-get-my-p60-ireland-what-is-a-p60-form/

[chrancecriber]

Radio SunLounge Romania (April 03, 2023)

23:55 Blank & Jones - Darlings (Feat. Laid Back) 23:54 Jingle - Radiosun.ro 23:50 India Arie - Always In My Head 23:44 The New Mastersounds Feat. Corinne Bailey Rae - Your Love Is Mine 23:39 Paul Hardcastle - Slippin Away (Feat. Maxine Hardcastle) 23:35 Dreamhunter - Good Morning 23:35 Jingle - Radiosun.ro 23:30 Velvet Lounge Project - Why Should I Say No! (Flashbaxx Remix) 23:25 Marcus Koch - Leaving 23:19 Nightmares On Wax - Les Nuits 23:14 Rue Du Soleil - Angel Eyes 23:13 Jingle - Radiosun.ro 23:09 Ganga, Nikolaj Grandjean - Carry You Home 23:04 Caibedo Island - Catching The Thoughts (Original Mix) 22:59 Weber & Weber - Melody Of Love 22:54 Chicane - Locking Down (Drax & Goodings Room With A View Remix) 22:53 Jingle - Radiosun.ro 22:48 Husky Rescue - New Light Of Tomorrow (Bonobo Remix) 22:45 Lemongrass - Come With Me 22:40 Roberto Sol & Florito - Love Finds You (Feat Martine - Original Mix) 22:35 Soul Avenue - Yearn To Love (Original Mix) 22:30 Yppah - Pieces 22:26 Natasha Sas - So Far (Original Mix) 22:21 Lounge Vargos - Follow My Dreams (Sunshine Mix) 22:15 Tetris - Two Hours 22:12 Hot City Walk (Original Mix) - Lasteden 22:09 Anthony Island - Promets 22:04 Marc Hartman - I Can't Stop 21:58 Koala - Floating Pillow 21:53 Andreya Triana - Lost Where I Belong 21:50 Juzhin - Wonderful 21:46 Kyau & Albert - Meteorite 21:41 El Rubello - It's Not Unusual 21:37 Mr Vaud - Life In The Night 21:31 Citrus Jam Feat. Judith Erb - When The Sun Goes Down (Sea Session Mix) 21:27 Clinton Affair - Amber 21:23 Omnimotion Feat. Aleah - Days Of Silence 21:22 Jingle - Radiosun.ro 21:18 Vargo - Lovecore 21:09 Jasmon - Delight 21:04 Sven Van Hees - Barracuda Staredown 21:00 Lana Torres - Elite People 20:56 Johannes Huppertz - Freeee 20:49 Bobby Deep - Angel (Christos Fourkis Lounge Mix) 20:44 Naoki Kenji - Let It Flow (Jazz Jazz) 20:41 Garden City Movement - Slightly All The Time 20:36 From P60 - You Take Me 20:32 Gary B - The Moon 20:27 Triangle Sun - Beautiful 20:27 Jingle - Radiosun.ro 20:23 Light Of Aiden - Loveing You 20:19 Stephane Pompougnac Feat. Juliette Oz - Fast & Loud 20:16 Blank & Jones W. Coralie Clément - J'en Reste Là 20:10 Roger Sanchez - Another Chance (Afterlife Remix) 20:06 Grooveprofessor - Sunset In Red (Dubai Mix) 20:01 Five Seasons - It's All Good, Man 19:55 4 Wings - Penelope 19:49 Castlebed - Level Frequency 19:44 Aquarius - Clue To A Mystery 19:40 Breakfast Trim - Dubai Sun 19:36 351 Lake Shore Drive - Neopolitan Nights 19:32 Breakfast Trim - Dubai Sun (Original Mix) 19:32 Jingle - Radiosun.ro 19:27 Venus In Motion - This Love 19:23 The Frost - Volna (Original Mix) 19:19 Cafe Americaine - Beachcruiser (Del Mar Mix) 19:15 Collective Sound Members - Do It Like That 19:15 Jingle - Radiosun.ro 19:10 J Axel & Astrid Suryanto - Start Receiving 19:05 Gaba Milani - Open Your Eyes (Original Mix) 19:00 Jane Maximova Feat. Dmitry Raschepkin - Morning Bird 18:54 Jeff Bennet's Lounge Experience Feat. Alexandra - Sympathy 18:54 Jingle - Radiosun.ro 18:50 Cafe' Ibiza - Take It To (Original Mix) 18:46 Mirage Of Deep - More Than I Can Bear 18:40 Miro - Holding On 18:36 N.juravel - Four Minutes 18:32 Micatone - A Part Of Me 18:29 Ambience D'orama - Liniya Priboya 18:23 Genf - Aachen-brussel 18:20 Bimbotronic - Wherever You Go 18:19 Jingle - Radiosun.ro 18:16 Lenny Mac Dowell - Ain't No Sunshine 18:11 Riccardo Eberspacher - Mi Amor Feat. Maria Teresa Pintus 18:07 Dreamhunter - Oude Centrum (Original Mix) 18:02 Weathertunes - Happy Birthday (Feat. Wawa) (Original Mix) 18:02 Jingle - Radiosun.ro 17:56 Deeper Sublime - Femme Fatale 17:51 Jean Mare - Here We Go Again (Buddha Chillout Mix) 17:47 Creflex - You You You 17:39 Jozef Kugler - Shaggy (Original Mix) 17:36 Sofa Surfers - Can I Get A Witness (Thievery Corporation Mix) 17:31 Left - Under The Water (Feat. Sethe) 17:26 Ealot - Melting Sun 17:22 Peter Pearson - Drifting Off (Original Mix) 17:16 Deeper Sublime - La Musica Sei Tu 17:11 Gary B - A Better Life 17:07 Have A Good Time - Photo In Lounge 17:03 Lemongrass - Forest Spirit 16:59 Living Room - Underwater Lovin (Instrumental) 16:54 Kaxamalka - Backdrops 16:50 Jane Maximova, Dmitry Raschepkin - Late In The Night 16:45 Artenovum & Frank Doberitz - Colours Of My Mind (Deep East Cut) 16:45 Jingle - Radiosun.ro 16:40 Max Melvin - Earth Inside (Sunset Mix) 16:34 Boerd - Blind 16:30 Marc Hartman - Never Let You Go 16:24 Silky Wave - Under My Skin 16:24 Jingle - Radiosun.ro 16:18 Sue Ballingall & Mickael Couturier - Somewhere Between The Roses 16:13 Miro - The Cure 16:10 Skyshape - Paper Dwarf 16:06 Tomazz - Lucid Dream 16:02 Velvet Lounge Project - You Broke My Heart 15:57 Seven24 - Frozen 15:53 Triangle Sun - Summer Of Our Love 15:49 Steen Thottrup - Sunset People 15:48 Jingle - Radiosun.ro 15:43 Giyo - Interplanetary 15:36 Dj Maretimo - Cafe Internacional (Jumairah Skyscrapers Mix) 15:30 Daniele Nacci - Travelling Drops 15:25 Wen - Call Me 15:24 Jingle - Radiosun.ro 15:20 Jens Buchert - Lichtwesen 15:15 Trinah - Every Day 15:11 Miss B.t - Right Now (Sweet Lovin-' Edit) 15:07 Luminous - Make It Happen 15:07 Jingle - Radiosun.ro 15:02 Climatic - Homeland 14:58 Puch - Still 14:55 Anthony Hicks - I Don't Know 14:51 Dubphonic - Trick Of Time 14:47 Beach Hoppers - One Love 14:42 Rhod - Crazy 14:37 Aquarius - Candles In Love 14:32 Simon Le Grec - I Need U (Smooth Mix) 14:27 Chill Cole - Urban Stories 14:21 Blue Motion, Amplitude & Dina Eve - Kiss The Stars (Intro Edit) 14:17 Kraak & Smaak - Guilty Discomforts (Feat. Wolfgang Valbrun) 14:13 Krono - First Kiss (Feat. Lijie) 14:09 Blank & Jones - My Island 14:03 Charlie North - Saltwater (Ambient Mix) 13:58 Bobsky - Traffic City - Original Mix 13:54 Dido - I'm No Angel 13:54 Jingle - Radiosun.ro 13:51 Beanfield - Chosen 13:47 Malia Feat. Erik Truffaz - Yellow Daffodils 13:43 Moca - Flotter Tag 13:36 Azymuth - Morning 13:33 Cherokee Feat. Yeseo - Long Distance 13:27 Jen Meets Kieser Velten - Together 13:22 Index - Noon Hour Blues 13:16 Aqua Mundi - Beautiful Awaking (Original Mix) 13:12 3 Balearos - Summer Breezin 13:07 Dolphin Boy - Shake It Loose 13:01 A La Lounge - On A Lounge Flow (Sunset Dub) 12:56 Stonebridge Ft. Therese - Put 'Em High (Claes Rosen Lounge Mix) 12:55 Jingle - Radiosun.ro 12:50 Mind Da Beat - Free In The Music 12:46 Deeper Sublime & Coffee Machine - I've Got You (Original Mix) 12:42 Mr Vaud - Digital Inspiration 12:37 Mathieu & Florzinho, Amroota Natu - Maha-amba (Living Room Remix) 12:36 Jingle - Radiosun.ro 12:32 Living Room - Underwater Love (Original Mix) 12:27 Velvet Dreamer, Tim Gelo, Diana Moon - Sky Is Falling 12:22 Oscar Salguero - With You 12:17 Placid Larry - Dew Drops 12:13 Myth Syzer - Bonbon A La Menthe Feat. Bonnie Banane (Stwo Remix) 12:09 Urban Phunk Society - Into The Blue 12:06 Peter Silence - Boost 12:01 Lazy Hammock - Deep Sunday Bliss (Original Mix) 12:01 Jingle - Radiosun.ro 11:59 Luke B - Matucu (Original Mix) 11:55 Lemongrass - Loving You 11:49 Over Soul - Universal Unfolding (Original Mix) Feat. Gram'ma Funk 11:44 Dejamove - Warmin' 11:41 Juzhin - Wonderful 11:37 Amelie - Softwood 11:32 Citrus Jam - Hakan's Way (Jazzman Mix) 11:26 Big Al - Pray For The Living 11:23 Jack Izzard - Deep Relax (Chillin' Groove Mix) 11:20 Randy Crawford - Give Me The Night (Chill Night Mix) 11:15 Dj Maretimo - Sun Addicted (Pure Beach Cut) 11:10 Ambient Lounge All Stars - Club L'amour 11:10 Jingle - Radiosun.ro 11:06 Vargo - Talking One Language Anniversary Mix 11:01 Megablast - Love Is Always There 10:57 Above The Sky - India (Original Mix) 10:53 Consoul Trainin Feat Joan Kolova - Beautiful (Kosmopolitans Mix) 10:53 Jingle - Radiosun.ro 10:49 Triangle Sun - Back To Soul (Instrumental) 10:43 Diario - Indigo 10:40 Lenny Mac Dowell - Ain't No Sunshine (Original Mix) 10:34 Openzone Bar - Seven Seas 10:34 Jingle - Radiosun.ro 10:30 Thievery Corporation - Until The Morning 10:26 Dadamnphreaknoizphunk (Feat. Jen) - Waiting 10:22 Lenny Ibizarre - Pretty As You Feel (Original Mix) 10:19 Yan C - A Night In Paradise 10:15 Garden City Movement - My Only Love 10:10 Naomi - Anybody Here? 10:05 Marga Sol - Violet Colors 10:01 Chilleando - Sunshine (Californication Mix) 10:01 Jingle - Radiosun.ro 09:57 Marga Sol - Love Surprise 09:50 Dimilyan - For Her Only (Original Mix) 09:45 Everything But The Girl - Single 09:42 Lissa - Some Of Me (Feat. Philip Nolan) 09:36 Brainstorm - Maybe (The Equalizers Nuclear Bomb Remix) 09:33 Blank & Jones - High Fly 09:25 Vladi Strecker - Over The Sea (Island Sounds Deluxe Mix) 09:20 351 Lake Shore Drive - Ocean Blue 09:19 Jingle - Radiosun.ro 09:16 Papercut - Morning Blues 09:12 Mark Mars - Ship's Lounge (Downtown Slow Mix) 09:08 Planet Lounge - Bossapolari Bossapolari 09:02 Nux - Midnight Stroll 08:57 Paul Hardcastle - Stay In The Moment 08:55 Aurys - Dinner Delight 08:49 Dj Krush Feat. Zap Mama - Danger Of Love 08:44 Jessie Ware - You & I (Forever) (Sg Lewis Remix) 08:40 Soulchillaz - I Want You 08:36 Mellie 0 Neil - Rainy Days 08:30 Craig Armstrong - This Love 08:25 Amberland - Obelisk 08:25 Jingle - Radiosun.ro 08:20 Urban Phunk Society - Changing Spaces 08:14 Jane Maximova - Morning Bird (Feat. Dmirty Raschepkin) 08:07 Mo-' Horizons - Superworld 08:04 Thievery Corporation - Stargazer 08:00 Pat The Cat - Hotel California (Feat. Rachel Moreau) 07:55 Massive Attack - Teardrop 07:50 Zenyatta - Swimming Into Vibrations (Ibiza Downbeat Vocal Mix) 07:44 Merge Of Equals - Gravity 07:44 Jingle - Radiosun.ro 07:37 Sunyata Project - Pi Lo Chun (Extended Mix) 07:33 Linkin Park Feat. Kelli Ali - My December 07:28 Jane Maximova - Puppets 07:22 Gods Blue Chest - Close To The Sun 07:15 Lemongrass - What You Believe 07:09 Christian Hornbostel Feat. Sarah Chris - Looking Back On Tomorrow 07:03 Simon Le Grec - Touch Me 06:58 Jayson House - Time To Rest (Original Mix) 06:51 Project Blue Sun - Show Me What You Know 06:46 Magnus Wedberg - Red Stone 06:41 Hotel Riviera - Another Chance For Love 06:36 Deeper Sublime, Krapan - Je T'aime (Original Mix) 06:29 Ante Rem - Sacra Samba 06:23 Moodorama - Too Late 06:18 Cocogroove - Puerto Azul (Blue Waves Mix) 06:14 Paradise Airlines - Nassau Beach (Paradise Chillout Mix) 06:09 Jens Buchert - Helios 3 (Mind Flux Mix) 06:04 Lemongrass - Frozen Boy 05:59 From P60 - You Take Me 05:54 The Diventa Project - Still Raining (Rnb Remix) 05:54 Jingle - Radiosun.ro 05:48 Lounge Traveller - Many Places 05:42 Solanos - After The Rain (Original Mix) 05:37 Rebekka De Rosa - On A Different Page 05:32 Ku You - 40 Degrees 05:26 Aandra - Baak Waa 05:23 Youth & Troy Gunner - Under My Heart 05:18 Paul Hardcastle - In The Key Of Time 05:14 Mazelo Nostra - Angels Are Coming 05:14 Jingle - Radiosun.ro 05:08 New Beginning - Another Day 05:04 Green Rabbit - Primal Self 05:00 Stephen Emmer - Under Your Spell Ft. Chaka Khan (Moods Remix) 04:56 Jazzamor - Sometimes 04:50 Shakedown - At Night (Afterlife Remix) 04:46 Baxx - For Time To Love You 04:40 Blank & Jones - Unknown Treasure (With Claudia Brucken) 04:33 Blue Lotus - Eshu Igelu 04:29 Lunatic Soul - Time To Remember (Original) 04:24 Lemongrass - Femme Fatale 04:19 Leonard Sign - Sea Of Shinas (Beauty Atmosphere Mix) 04:14 Dzihan, Kamien - Ocean Air 04:07 Bruno Be & Alvaro Brites - Seasons 04:01 Guru Sax - People Can't Stop Chillin (Costes Buddha Hotel Mix) 03:57 Soundset City - Come With Me (Deep Lounge Cut) 03:53 Deeper Sublime - Japanese Garden (Original Mix) 03:53 Jingle - Radiosun.ro 03:47 Beach Hoppers - Bit By Bit 03:41 Atrium - Praise For The Beach 03:37 Emancipator - Jet Stream 03:31 Atb - Some Things Just Are The Way They Are 03:26 Castlebed - Heaven 03:20 Velvet Dreamer - 1000 Miles Away 03:15 Afterlife - Dub In Ya Mind (Beachclub Mix) 03:10 Hotplay - Turn Around - Guitar Del Mar Mix 03:05 Velvet Dreamer - Crystal Water (Five Seasons Remix) 02:59 4 Wings - Penelope (Original Mix From Cafe' Del Mar) 02:55 Urban Phunk Society - Self-made Paradise 02:50 Mads Arp Feat. Julie Harrington - Alive 02:45 Mirage Of Deep - Stone Words 02:41 Furns - Fortress 02:35 Boot Cut Rockers Feat. Mica Wanner - Sunflowers 02:28 Sonic Adventure Project - Haze 02:24 Groove Thievery - Killer (Bargrooves Mix) 02:19 Gary B - Never Been Free 02:15 Jakatta - It Will Be 02:10 Vargo - The Flow (Aural Float Mix) 02:10 Jingle - Radiosun.ro 02:06 Thunderball - Dub Science Feat. Zeebo 01:59 Starshine Bros - Coffe Relax 01:56 Alien Cafe - Chloe Says (Original Mix) 01:50 Cafe Americaine - Marina Beach (Guitar Flow Mix) 01:42 Vladi Strecker - Meditation In The City (Smooth Evening Cut) 01:38 Five Seasons - Dreams Come True 01:33 Atb Feat. Melissa Loretta - White Letters 01:28 Jens Buchert - Luminous 01:27 Jingle - Radiosun.ro 01:23 Frost - Amygdala 01:16 March & Starseeds - Strange Planet (Zouk Mix) 01:10 Dj Mnx - Emotions May Fly 01:06 Kidnap Kid - First Light 01:05 Jingle - Radiosun.ro 01:02 Malkou - Chateau De Vincennes 00:58 Mark One & Kevin Shawn - Between The Lines 00:55 Mara J Boston - Precious Diamond 00:50 Eriq Johnson - Femme Fatale 00:49 Jingle - Radiosun.ro 00:45 Sven Van Paapen - Love Me Slow (Smooth Vocal Flair Mix) 00:40 Faro - Subtle Land 00:34 Christos Fourkis - If You Love Me 00:29 Pier-O Feat. Marga Sol - Air Of Love (Original Mix) 00:24 Dream Pawn Shop - We Are Looking For Love (Vocal Chill Mix) (Ft. Shima Premal) 00:19 Merge Of Equals - Don't You Know 00:14 Riccardo Eberspacher - Malay 00:09 Club Salinero - Shade In The Sun 00:09 Jingle - Radiosun.ro 00:06 Peter Pearson - A Walk In The Park

[thehungrykat1]

Ikinari Steak from Japan Opens First Philippine Branch at Mall of Asia

We went on a trip to Japan during the holidays and one of my favorite dining experiences there was a dinner at Ikinari Steak in Shinjuku, Tokyo. It was my first time eating at Ikinari Steak and a lot of my friends recommended that we try it, so we made sure to include it on our jam-packed itinerary. We really loved their big and juicy steak portions served on sizzling plates, so we were pleasantly surprised when we found out that Ikinari Steak had just opened its first branch in the Philippines that very same week.

Ikinari Steak, the world-famous steakhouse chain from Japan has just opened its first Philippine outlet and the first in Southeast Asia last December 18, 2022 at the ground floor of MOA Square in SM Mall of Asia. You can find it right at the busy corner of the IKEA building on the street level, just in front of the SMX convention center. I really enjoyed their steaks in Japan, so I visited Ikinari Steak Philippines with my friends last week right after I got back to Manila.

Ikinari Steak first opened in Tokyo in 2013 and now has over 300 stores worldwide. Ikinari Steak literally means “sudden steak” because it is known to have a fast and casual no-frills dining setup in Japan where the main star is the steak itself. It is open daily during mall hours until 10:00pm but the lines tend to get quite long during lunch and dinner schedules, especially during the holidays.

As you can see, the logos and the tag lines are exactly the same with the branch I visited in Tokyo. I felt the same level of excitement as I walked through the doors of their new branch in Manila.

The main difference between the Tokyo branch and the MOA branch is that we have bigger tables and more seats here. The outlets in Japan mostly have bar seats due to their limited space and quick dining setup, while ours have a more family and group-friendly environment.

Your ikinari Steak experience starts as you enter the restaurant. You can order right away at the cashier and choose from the steak selections on the menu.

Ikinari Steak is known for their “Order Cut System” where you can choose how big you want your steak and it will be hand-cut according to your desired weight. First, choose which part of beef you want. They have ribeye steak, tenderloin steak, striploin steak, and chuck eye steak.

Next, tell the cashier and the steak-cutter how many grams you would like your steak to be. There is a minimum order of 200 grams for each cut of steak, which is typically good enough for a hungry diner. But since I’m really a big steak lover, I asked for 300 grams of ribeye steak.

They will then slice your specific order of steak and you can even watch them do this at the open kitchen. It usually won’t be the very exact weight but it will surely be close. You then pay for your steak per gram.

Once you pay for your orders, just head over to your designated tables and wait for your orders to be served. Ikinari Steak in MOA has both indoor and outdoor seatings, although it’s not really that big, so hopefully they open their next branches soon.

Try their Ikinari Beer (P199) for a more authentic Japanese dining experience. They also have Sapporo premium draft beers, yuzu chuhai, wines, and sodas.

For starters, order their Beef Soup (P60) with its warm and hearty broth. They also have a Salad (P60) that you can top off with their Japanese dressings.

There are also other condiments and sauces on the table for you to explore including wasabi (yes, the Japanese put this on their steak!), karashi (spicy mustard), plus a sweet steak sauce and a mildly spicy steak sauce.

Ikinari Steak Philippines uses Certified Angus Beef for all of their steak offerings. The beef is simply seasoned with salt and pepper. There’s really no need for anything further since the steak is truly the star of the show. Each order of steak comes with one bowl of rice.

The most popular and value-for-money item at Ikinari Steak is their Wild Steak (200g-P599 / 300g-P850 / 450g-P1195). The chairman of Ikinari called this wild steak because it uses the chuck eye portion which is not typically used for steak. This is 300 grams of Certified Angus Beef topped with their signature white pepper margarine.

They also have lunch promos offering their Wild Steak Diced Cut (200g-P566 / 300g-P780) which has chuck eye steak cut into smaller portions. The Diced Cuts can be ordered together as a set that includes one salad, soup, rice, and a can of soda for only an additional P100. I still prefer my steak served whole but this is a more affordable option on the menu.

Kids who may not be able to handle big steaks yet can order the Ikinari Hamburg Steak (200g-P475 / 300g-P610). This sizzling burger is definitely a giant upgrade to the other burger steaks offered around the city.

Of course, the main specialty at Ikinari Steak are their By The Cut steaks. After you order your desired steak and weight, these will be grilled and delivered to your table on a sizzling plate. My favorite is the Ribeye (P1199 for 200g or P5.99 per gram) which is the most flavorful cut of steak. My order is actually 300 grams but I still can’t get enough if it!

The Angus beef is really juicy and flavorful. Their steak is served rare but you can customize it on your sizzling plate by letting it cook according to your preferred doneness. This is one of the main features at Ikinari Steak as you can have your steak the way you want it. I like my steak medium so I did not leave it too long on the plate.

The Striploin (P1199 for 200g or P5.99 per gram) is another option for those who prefer a balance between flavor and texture. Each serving of steak comes with corn, carrots, and brocolli. Spread the white pepper margarine over the steak and douse it with their signature sauces for the complete Ikinari experience.

Most diners often go for the Tenderloin (P1345 for 200g or P6.73 per gram) because it is known to be the most tender and juiciest portion. I really don’t mind getting any of these steaks for myself because they are all so good.

Ikinari Steak Philippines is now my new favorite steak restaurant not just because of their delicious sizzling steak offerings, but also because they are all so affordable too! There’s no need to wait for a special occasion or a fancy dinner date to enjoy this meaty adventure. I actually went back for more sizzling steaks the very next day!

Ikinari Steak Philippines

G/F MOA Square, Mall of Asia, Pasay City

www.facebook.com/ikinariph

[georgeshutcheson]

Understanding the PAYE Tax Reference

New Post has been published on https://www.fastaccountant.co.uk/understanding-the-paye-tax-reference/

Understanding the PAYE Tax Reference

Are you confused about what the PAYE Tax Reference is and how it affects you? Look no further! This article will shed light on this important aspect of your taxes and help you gain a better understanding of how it works. If you are an employer, knowing your PAYE Tax Reference is crucial for maintaining compliance with HM Revenue and Customs PAYE regulation. So, let’s get started and unravel the mystery behind the PAYE Tax Reference together!

Understanding the PAYE Tax Reference

The PAYE Tax Reference is a unique identifier that is assigned to every employer within the Pay As You Earn (PAYE) tax system in the United Kingdom. It is a crucial piece of information that helps in the administration and communication of taxes between employers, employees, and Her Majesty’s Revenue and Customs (HMRC).

What is the PAYE Tax Reference?

The PAYE Tax Reference, also known as the employer reference or tax reference, is a combination of numbers and letters that identifies an employer within the PAYE system. Each employer has a unique reference number, which allows HMRC to track and manage their PAYE tax obligations accurately. It is important to note that individual employees do not have their own PAYE Tax Reference; instead, they are identified through their National Insurance Numbers.

Purpose

The primary purpose of the PAYE Tax Reference is to ensure accurate PAYE tax administration and reporting. It helps HMRC identify employers and track their respective PAYE tax processes. Additionally, the reference number allows employers to communicate with HMRC regarding PAYE tax-related matters, such as submitting periodic PAYE reports, processing end of year returns and summaries.

Format

The PAYE Tax Reference consists of a specific format that includes both numbers and letters. The exact structure can vary slightly depending on the employer’s circumstances, but it typically follows a specific pattern. The reference usually contains two parts, separated by a slash, and can be represented as follows: XXX/YYNNNNN.

The first part, represented by XXX, is a three-digit number that signifies the tax office or HMRC office responsible for the employer’s PAYE tax affairs.

The second part, represented by YYNNNNN, represents a unique identifier specific to the employer.

For example, a PAYE Tax Reference may look something like 123/AB456789.

How to find your PAYE Tax Reference?

If you are an employee, you do not have your own PAYE Tax Reference. Instead, it is your employer who has the reference number. However, there are several ways you can find your employer’s PAYE Tax Reference if needed.

Employer Communication

Your employer is required to provide you with important tax information, including the PAYE Tax Reference. You can reach out to your employer’s HR department or payroll team and ask for the reference number. They should be able to provide it to you promptly.

Payslips and P60 Forms

Another way to find your employer’s PAYE Tax Reference is by checking your payslips or P60 forms. These documents often contain important tax-related information, including the tax reference number. Look for any references, codes, or numbers mentioned on these documents, as they may provide the necessary information.

HMRC Correspondence

If you still cannot find your employer’s PAYE Tax Reference, you can contact HMRC directly. They may be able to provide you with the reference number or provide guidance on how to obtain it. Ensure that you have relevant information such as your National Insurance Number and employer’s name and address when reaching out to HMRC for assistance.

Why is the PAYE Tax Reference important?

The PAYE Tax Reference holds significant importance for various reasons. Let’s explore some of them below:

Identification

The PAYE Tax Reference serves as a unique identifier for each employer within the PAYE system. It helps differentiate between different employers and ensures accurate tax administration. By using the reference number, HMRC can easily track and manage the tax obligations of each employer.

Tax Administration

The reference number plays a crucial role in the administration of taxes. It allows employers to report their employees’ earnings and deductions accurately, ensuring that the correct amount of tax is deducted from their wages. It also enables HMRC to monitor PAYE tax compliance and resolve any potential discrepancies or issues.

Communication with HMRC

Employers use the PAYE Tax Reference when communicating with HMRC about PAYE tax issues. It serves as a reference point for various tax-related matters, such as submitting payroll reports, requesting tax codes, or resolving any issues with PAYE tax filings. The reference number helps HMRC identify and link specific employers to their PAYE records, making the communication process more efficient and effective.

How is the PAYE Tax Reference used?

The PAYE Tax Reference is used in several ways to facilitate payroll tax administration and compliance. Let’s explore some of its primary uses:

Employer Liabilities

The reference number is used to accurately calculate and manage employer liabilities, such as National Insurance contributions and income tax deductions. It ensures that employers adhere to their tax obligations and support the overall functioning of the PAYE system.

Employee Declarations

When employees start a new job, they are required to provide their employers with relevant information, such as their National Insurance Number and tax code. The PAYE Tax Reference enables employers to link this information to the correct tax records and ensure accurate tax administration for their employees.

Tax Coding

Tax codes are used to determine the correct amount of tax to be deducted from an employee’s wages. The PAYE Tax Reference helps HMRC assign the appropriate tax codes to employers, ensuring that the correct amount of tax is deducted from employees’ salaries.

Common Issues Related to the PAYE Tax Reference

While the PAYE Tax Reference is generally reliable, there are some common issues that individuals may encounter. Here are a few examples:

Misspelled or Outdated Information

Sometimes, there may be errors in the spelling or formatting of the PAYE Tax Reference. Double-check the information provided by your employer to ensure its accuracy. If you suspect that the information is incorrect or outdated, notify your employer immediately to rectify the issue.

Changes in Employment Status

If you change jobs or your employment status changes, your previous employer’s PAYE Tax Reference may no longer be relevant to you. In such cases, ensure that you obtain the new tax reference number from your new employer to ensure accurate tax administration.

Frequently Asked Questions about the PAYE Tax Reference

Can I use my PAYE Tax Reference for filing tax returns?

No, the PAYE Tax Reference is specific to employers and is used for payroll and tax administration purposes. If you are required to file a tax return, you will need to use your Unique Taxpayer Reference (UTR) instead.

Is the PAYE Tax Reference the same as a National Insurance Number?

No, the PAYE Tax Reference and the National Insurance Number are two separate identifiers. While the PAYE Tax Reference is specific to employers and payroll, the National Insurance Number is assigned to individuals for social security and other purposes.

Can self-employed individuals have a PAYE Tax Reference?

Self-employed individuals do not have a PAYE Tax Reference. They are required to register for Self Assessment and obtain a Unique Taxpayer Reference (UTR) instead. The PAYE Tax Reference is specific to employers within the PAYE tax system.

[thessalian]

Thess vs the Practicalities

So here’s what’s happening on this wet little island upon which I live:

Second national lockdown is looking set to be announced on Monday, apparently due to start on Wednesday. Because we have no real details about the lockdown, businesses can only start truly planning on Monday.

Of course, this was leaked late Friday night, and because our government is largely staffed by rich lazy gobshites, none of them will actually work on a weekend to give us any answers this weekend. So that gives people two days of uninformed panic to work them up into whatever frenzy they’re going to have.

Schools are apparently going to stay open. This is fucking absurd. Every university in the country’s had most of its students locked down in their residence halls because someone tested positive for COVID. School children are discouraged from wearing masks in schools. That’s a big reason why this thing is spreading so fast. If schools are still open, this is not a lockdown.

Speaking of ‘reasons this thing is spreading so fast’, the same people who refused to wear masks, or wore them badly, and spent a lot of time screaming on social media (or in at least one case I personally saw, on a bus) about conspiracy theory and fascism and the New World Order ... are the ones now screaming about noncompliance with a lockdown that isn’t even happening yet. Some are advocating riots.

So businesses will have to go into lockdown for about a month ... starting two months before the Brexit transition period ends. That’s going to leave absolutely zero time for that trade deal people have been hoping for to be finalised (seeing as France has already gone into lockdown), and zero time for businesses to prepare for the worst of No Deal. Given Johnson’s behaviour lately, I feel like his delay on the lockdown (which was recommended in September) was as much to make absolutely sure the No Deal he seems to want would happen with his taking as little blame as possible as anything to do with ‘protecting the economy’.

Also the furlough scheme letting people keep their jobs on 80% of their pay just ended, to be replaced with something far less liveable. This is problematic on so many levels.

Speaking of the furlough scheme and unemployment, on to the personal notes: I just started my new job two weeks ago. I don’t know where that puts me in the furlough scheme. HR hadn’t even processed my P60 yet, last I checked. My benefits will continue to be paid until the tax people tell them I’m earning money, according to the nice lady at the benefits office, but that’s not a lot of money when you also have to factor in the commute, and pay day should be towards the end of this lockdown. I know HR is working from home right now, so hopefully they can get this sorted out. Still, it’s a worry when I will almost certainly be locked down. I don’t know how to handle this. At least I have the questionable relief that I do actually have a permanent job - and they literally cannot just make me redundant because while it’s not ‘key worker’ level, it’s still medical, and there’s just going to be more of a sample backlog to deal with when the second lockdown ends, and they have barely any full-time typists on staff. They fucking need me. I just don’t know what happens and what red tape I’m going to have to Gordian-knot my way through over this.

On the subject of benefits, I get paid benefits on the 6th of the month. Not a big deal ordinarily - I shopped well at the start of October so there is sufficient food until 6th November. And essential shops like groceries will still be open in lockdown - that’s non-negotiable. The problem is (drum roll, please) ... panic buying. Because for everyone who’s insisting that they’re going to riot over having to go back into lockdown, there’s at least two more who are going to panic buy. I remember what the shelves looked like during the first lockdown. People don’t listen well enough for me to believe that the second one’s going to go any better in that regard, even if businesses do start limiting how many of an item one can buy in one purchase early. I can’t get in early to compensate for that. I’m honestly seeing it as practice for the food shortages that will inevitably come when the transition period ends.

Long story short ... this is a fucking mess. I agree with the need for a lockdown, don’t get me wrong. Just people’s reactions to it are horrifying, the government is handling it very badly, there is no way they’ll use the time effectively (they didn’t last time), and it halfway feels like an excuse not to engage with the EU over a post-Brexit trade deal so they can absolve themselves of blame when we end up without a trade deal with Europe and starve even worse in 2021.

But I got up in time to catch a rainbow this morning:

I mean, it’s pouring with rain now, but ... rainbow. Also this is the view from my balcony. Whole city from Wembley Arch to Canary Wharf.

[kamilahharid]

Kamilah Harid’s Tipid Byahe Blog

If you are an anthophile or a person who loves flowers, then this travel blog is for you. The place is called Eden’s Flowers Farm. It is located in the Municipality of Tupi in which it is a first-class municipality in the province of South Cotabato, Philippines. It has been known for its lovely weather and stunning views. Tupi is also considered as the fruit, vegetable and flower basket of South Cotabato.

How to go to Eden’s Flowers Farm:

One can only get to Tupi by land. You can choose your own route depending on where you will be coming from.

From General Santos City

By Car – you have to pass through Polomolok, South Cotabato. Drive An approximately 170 km more until you reach Palkan Road. Turn left onto A Bonifacio St / Palkan-Kablon Rd then turn right onto Sitio Lemblisong Rd. Travel time is about 2-3 hours.

By Bus – you can choose from Yellow Bus Lines which have stations GSC Bulaong Terminal, located in Bulaong Avenue, General Santos City. Fare as of November 2020 ranges from 40php to 60php. Travel time may take 2-3 hours depending on the traffic situation.

Eden’s Flowers Farm in Tupi was set up during the seasonal tourist destination in 2014, and has since attracted a number of travelers. The Flowers Farm opens from Monday to Saturday, from 7 a.m. to 4 p.m. Its entrance fee is at P80 while senior citizens, students, and persons with disabilities get a discounted price of P60. Children below 12 years old need to pay only P50.

Upon arriving in the place, there are few people who would offer to avail with their plants that range from 50php to 300php. There you can choose the best ones that attract your eyes. There are almost a hundred sunflowers and different kinds of flowers there. You can shop and choose upon depending on your budget and preference. You may also take a little break to their restaurant that sells various of organic foods. Furthermore, the ambiance of the place makes you feel more relaxed and comfortable as well.

Ever since I was little all I have wanted to do was to travel. I love discovering new places and exploring them to the max. All I want to do in the future is to travel and explore new places. December 15, 2019 when we took a family trip to Eden’s Flowers Farm. I was honestly just excited about our trip and get to go all the way to explore other places. The first couple of hours were fun, we went to a zoo. However, when we arrived at our destination, across the beautiful view of different flowers I don't think a smile ever left my face. At that time there is many travelers and people gathered. All I can see are flowers all around which bloomed beautifully that time. We had so much fun after we took some photos and selfies.

I would highly recommend this place due to the fact that the place will indeed make you feel free from all the bad stuff. The people and staff are very nice and accommodable. In addition, Eden’s Flowers Farm is truly amazing and perfect especially for Instagram purposes.

[ukftm]

Hi, I just changed my name via deedpoll in Scotland and I'm getting super overwhelmed with changing my details and don't really know where to start. I've told mt bank and they will be sending me out a new card etc, and told my doctors. I tried to get a passport but they need a drivers licence as one of the proof documents, but when i went to get my drivers licence it asked for a passport, or a bunch of other stuff I don't have. Do you or anyone has advice on where to continue with all this?

As far as I’m aware the only reason that the passport office request driving licences is as proof that you are using your new name.  There are other documents that you could use instead of this, such as:

Tax record, e.g. a letter from a tax authority 

National identity card or equivalent 

Employment record, e.g. an official letter fromyour employer 

Visa or residence permit 

Educational record eg a school report 

Letter sent to you from a central, regional orlocal government department 

Medical/health card

Voter’s card 

Bank statement 

Baptism/Confirmation certificate

You say that you’ve changed your details with your bank, so once you get your new card then you should be able to request a bank statement from them in your new name, so that’s an alternative which should be fairly simple to obtain.  Another alternative would be updating your details with HMRC and requesting confirmation that this has been done.

For your driving licence, if you already have a driving licence/provisional then you just need to send your deed poll and a D1 form.  If you’re also applying for your provisional then you will need to send proof of identity documents as well.  If you have a passport then you can use this, even if it’s in the wrong name (just send your deed poll as well).

If you don’t have a passport then you will need to send your birth certficate and one of these documents:

National Insurance card or a letter from the Department for Work and Pensions (DWP) showing your National Insurance number

photocopy of the front page of a benefits book or an original benefits claim letter

P45, P60 or pay slip

marriage certificate or divorce papers (decree nisi or absolute)

a gender recognition certificate

college or university union card, education certificate or PASS proof of age card (issued after June 2014)

Again, these documents don’t need to be in your new name as long as you also send a deed poll.  Contacting HMRC and asking for proof of your National Insurance number would be one of the simplest ways of getting one of these documents if you don’t have any.

In terms of changing your name in general, it might help you to write a list of all the places you can think of that you need to update your name (this website has a list which might be a good starting place, although not all might be applicable to you), and tick them off as you go.

~ Alex

[thelegendaryworld-blog]

Precisely how Tax Codes Are Created

A tax code can be used through your employer, large or small business payroll services provider or pension provider to calculate how much tax to deduct out of your pay or pension. Should you be on the wrong code you could wind up paying excessive or worse too few. A tax code can be achieved of several number and letter combinations by way of example; 115L or K453. If the code is then a letter then you multiply the number with your code by ten, that permits you to know how much you can make prior to being taxed. Also different tax codes might have two letters no numbers OR D followed by a zero '0'- this can be normally used in which you have two or more causes of income and possess used up your allowance or tax relief and among your employers already. For instance: the BR tax code is employed most often to get a second job or pension and is taxed currently at 20 percent.

How do you know I'm for the correct tax code. Normally you will discover your code on your own P45 (given to you because of your employer whenever you go wrong for the children), P60 following the financial year or payslips issued for your requirements through your employer. This is why it's very important to give this for your new employer when you change jobs. Issues lost your P45 and even discover your code call your Tax Office and provides them your National Insurance number and tax reference number. How are you affected should i be around the BR tax code however only get one job? Sometimes your employer, payroll services provider or pension payer should make use of an 'emergency' or 'special basis' code until they have worked out what your correct code needs to be. This could happen in case you begin a job and don't give you a P45. If you are while on an emergency code you'll get the basic Personal Allowance- when you have paid excessive tax under the emergency code, you'll get a reimbursement. We would recommend you contact the HMRC with all the tax reference code directed at you the corporation whom you paid the tax with then be able to reclaim along with your new employer is going to be issued with the correct tax code in your case. To get more information about tra cuu ma so thue internet page: look at more info.

[personal-tax-account]

What is a Personal Tax Account?

A personal tax account is a service offered by the that allows users to check their records and manage their details with the department. As time goes on, more services will be offered through the personal tax account. To get started, visit the website and create an account. Once you've created your account, you can log in to view your records and manage your details.

Online system To sign up for online system for personal tax accounts, follow these steps: Register an email address and create a new User ID. Once you have done this, select which type of account you'd like to create. You can create an account for yourself, your business, or an agent.

The system will ask you to identify yourself by examining your passport, payslip, P60, and deductions section. This is an additional security measure, and you should never share your user ID and password with anyone. Also, check when you last logged in and contact if you don't recognize the time and date of your last log in. The online system will automatically log out of your account after 15 minutes if you do not log in for this period.

The new online system for personal tax accounts is designed to help taxpayers keep track of their tax affairs and make sure their details are up to date. It also lets users check their tax codes and income tax estimates. This helps to avoid unpleasant surprises at the end of the tax year. This system will also allow you to claim refunds if you've overpaid tax.

Signing in to Your Account Once you've registered for an personal tax account, you can sign in to the site to manage your tax. The process is simple, but it will require you to enter a few personal details. uses firewall protection on all of its systems to prevent unauthorized entry. This data is also stored in an encrypted format.

To sign in to your personal tax account, first, you'll need to enter your tax number and password. After you've done that, you'll be able to enter other information, such as your e-mail address. You can also change how you want to receive tax notices. You'll get a confirmation e-mail once you've made these changes. If you don't have a valid tax number, it's best to contact your local tax office to obtain it.

To use MyTax Illinois, you need to activate your account first. Then, you can grant access to others. To do this, go to your MyTax Illinois account and select "Manage my profile" > "Manage third-party access." Enter the necessary security information, and choose whether or not you want third-party access.

Changing your Trusted Helper The Trusted helper service is a facility that allows you to grant another individual access to your personal tax account. This service can help you with your self-assessment tax return, but it cannot be used for other types of tax returns. However, you can change your Trusted helper at any time. You can do this by going to the MyTax Illinois website, selecting Manage my profile, and then choosing Manage third-party access. You can also block an individual from accessing your Personal Tax Account. Once you block a person, you will no longer be able to get their help for any future tax returns.

[mollyharrisuniverse-blog]

What conditions must be met to qualify for a mortgage in the UK?

You will smile corner to corner when your mortgage application is signed off on, but you are supposed to meet certain conditions. The mortgage is the most expensive debt, and therefore no lender can process the application as quickly as they do for small emergency loans like payday loans.

The deposit size you arrange must be at least 10% of the value of your house. However, you can increase the limit up to 20% or more if you manage to stow away this much despite arranging a bigger down payment, a lender's decision depends on your repaying capacity.

If you fail to prove that you are able to pay down your mortgage, they will straightaway turn down your application. Further, you are supposed to submit all necessary documents. Any discrepancies in your documents can also keep you from fulfilling your house fulfilled. This blog discusses the conditions that you need to qualify for a mortgage.

The appropriate size of down payment

A deposit size is a foremost condition to get qualified for a mortgage. The lending industry has set the trend of submitting at least 10% of the market value of the house as a down payment. A couple of lenders are out there that are a bit lenient and accept applications with a 5% deposit size but only when you are a first-time borrower, and you have a good credit score.

The size of the down payment varies by mortgage borrower. For instance, if you have a bad credit history, a lender would expect you to arrange a bigger deposit size. In most of the cases, it is not less than 20%. It is always suggested to do some research before applying for a mortgage. Contact a mortgage lender to know what minimum down payment they expect from a borrower.

Here comes Mortgage in Principle (MIP), also known as Decision in Principle (DIP). In fact, most of the agents will take you seriously when you have an AIP. You could get it from a lender within a couple of minutes to know how much they would be able to lend you money if you were to buy a property. A lender would look over your income and credit history.

Some lenders run a soft credit check, while others run a hard credit check with your permission. Note that you may lose some credit points if hard inquiries are made. Knowing how much you will likely borrow will give you a clearer idea of the down payment size.

To avoid any complications, you must know how much money you are to pay down as a deposit size. If you apply for it through a broker, you can get all information without putting in much effort. The broker will do everything on your behalf in exchange for online mortgage advisor fees.

A consistent and stable income source

Another condition you need to meet to get the nod is a consistent and stable income source. If you cannot prove your repaying capacity, a lender will not approve your application regardless of the deposit size.

If you are a full-time employee, you will have to submit your pay slip for at least three months. However, this cannot be sufficient to convince a lender to prove your repaying capacity. Make sure that you have been the employee of the same company for over a year.

If you are running a business, your monthly income may fluctuate, but you still should be able to maintain a level. Make sure that your monthly profits are always above and beyond that minimum level.

What documents do you need to apply for a mortgage loan in the UK?

Having an appropriate size down payment and stable income source is not enough to be eligible for a mortgage application. When you apply for a mortgage application, a lender will peruse your credit file to get an idea of your past financial behaviour and afterwards they would ask you to turn in income documents. Here are the documents you should submit:

Utility bills

Proof of benefits, if any

P60 form for your employer

Your last 3 months’ payslips

Passport or driving licence

Bank statement of 3 to 6 months

Statement of 2 to 3 years’ accounts of income if you are self-employed

SA302 form if you have earnings from more than one income source

Additional information along with tax returns gives detail about your income if you are self-employed.

Other things to remember to ensure the accuracy of your documents

Make sure you have arranged all documents before filling in the application form. You can ask about the documents required at the time of getting an AIP. Provide all necessary information, complete your application, and submit documents to the bank details you give. Follow the following tips on your mind when you provide documents:

Do not round up your payment to the next nearest figure in the application. Just mention what your payslips say.

Provide complete details of the house that you are going to purchase. A lender will ask an inspector to evaluate the market value of your house to decide if it is worth lending what you are asking.

Be ready to be asked to provide additional papers as sometimes lenders may not be convinced with your repaying capacity.

Each lender has different criteria for judging your repaying capacity, so some may ask you to provide some information about outgoings. Provide genuine information because otherwise, it will ruin your finances down the line.

Ask your lender if they need any additional documents or information. Things become easier if you are applying with a mortgage broker.

You will need hard copies of your bank statements, not print-outs certified by your solicitor or your bank.

The final word

Qualifying for a mortgage is not that easy. You will have to prove your repaying capacity, and if you have a bad credit score, it can be more challenging and tougher. For instance, a lender could be stricter about the down payment size.

Further, you need to provide additional documents to prove your income. A lender can ask you to submit various documents to process the application. You should contact your mortgage lender to know about them, or you can get this information during DIP.

If you are applying to a mortgage broker in Edinburgh, you can get this information from them. They will ensure the accuracy of all of your documents, so your application is not cast aside because of the lack of documents needed.

Original Source: https://www.apsense.com/article/what-conditions-must-be-met-to-qualify-for-a-mortgage-in-the-uk.html

[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.

[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.