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Registering as self-employed
As soon as you start up in business on your own, you must register as self-employed with HMRC. You can do this by down-loading, or obtaining form CWF1 from HMRC.
Even if you are employed, and intend to be self-employed in your spare time, you still need to register.
Failure to register within the first three full months of becoming self-employed may result in a penalty of £100.
National Insurance
You will “immediately” be asked to pay monthly Class 2 National Insurance contributions (NICs). The 2009/10 cost of these is £2.40 a week. HMRC recommends that your Class 2 NICs are paid monthly by direct debit.
If you are employed (and paying Class 1 NICs) you must still pay Class 2 NICs.
Class 2 NICs count towards the basic state pension, maternity allowance, incapacity and widow’s benefits. They do not count towards Jobseekers Allowance.
If your total earnings are expected to be less than a prescribed amount, you may be entitled to a Small Earnings Exception (SEE), meaning you don’t have to pay any Class 2 NICs. The 2009/10 earnings threshold is £5,075 p.a.
If your annual profits exceed a prescribed amount you will also have to pay Class 4 NICs. The 2009/10 threshold is £5,715. Class 4 NICs are calculated and paid with your income tax at the end of the year.
Value Added Tax
You will be required to charge customers, and pay VAT to HMRC, only if your business has, or you expect it to have, a turnover of more than £68,000 a year!
Record Keeping
You need to keep your business records and personal records separate. It will help if you have a separate business bank account.
Your basic records will normally include:
a record of all your sales, with copies of any invoices you have issued,
a record of all your business purchases and expenses, with copies of invoices,
details of any amounts you personally pay into or take from the business, and
copies of business bank statements.
You can be charged up to £3,000 for failure to maintain or retain the records you need to make a tax return.
By law, you must keep business records for at least five years and ten months after the end of the tax year the records relate to.
Accounting
You should maintain a set of accounts that record your income and expenditure, and accumulate annual totals. These do not need to be elaborate: a simple note book or spreadsheet record will suffice.
Your accounting year can start from any date you wish, but it is much easier to fall in line with the standard HMRC tax year, i.e. 6th April to 5th April in the following year. In other words, if you start self-employment on say 1st August, your first year of trading will be a nine month period. Thereafter your accounting year will align with the tax year.
At the end of your first trading year (around March/April), HMRC will write and ask you to complete a tax return. Your return must be submitted by 31st October.
As a self-employed person, you may alternatively complete an on-line tax return, and need to do this by 31st January in the following year (i.e. 2009/10 tax returns must be submitted by 31st January 2011). If you wish to complete an on-line tax return, you must first obtain a registration number, so do not leave your first on-line tax return until the last minute.
Completion of tax returns is relatively easy. Most of the questions asked will not apply (and if they do, then you are probably already being asked to complete a Tax return). You merely need to be able to provide a cash total for your gross income (including any other income such as bank or building society interest), and your total business expenditure. The balance between the two is your net profit (or net loss), and this will be taxed if it exceeds your annual personal tax allowance. The 2009/10 personal allowance (for someone of working age) is £6,475.
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What is the Difference between Homeowner’s Insurance and Home Warranties?
A homeowner’s policy is an insurance policy that covers the homeowner in the case of a loss to the home because of fire, theft, vandalism, wind storm or other damage. A homeowner’s policy also covers damages that may be awarded to someone that is injured while visiting your home. A homeowner’s policy covers the value of your home, and should be considered a necessity for anyone that owns a home.
A home warranty is a policy that works in much the same way as a homeowner’s insurance policy, in that you pay an annual premium to receive coverage. The difference is, a home warranty covers the cost of routine home repairs that would normally come out of the pocket of the homeowner. A home warranty will cover things like a leaky roof or a refrigerator that doesn’t keep your ice cream solid.
Do I Need Both a Homeowner’s Policy and Home Warranty Policy?
Everyone who carries a mortgage should carry a homeowner’s insurance policy in the amount of the appraised value of the home. This is the bare minimum coverage that you should have, for your peace of mind. If you do not have a mortgage on your home, you should still have homeowner’s coverage. Homeowner’s is valuable for many things other than replacing a home that is destroyed in a fire. Perhaps one of the most valuable features of a homeowner’s policy is the liability coverage that you receive. If someone slips on a patch of ice or trips over a bump in the sidewalk leading up to your home, your homeowner’s policy will protect you from a lawsuit.
A home warranty may be considered more of a luxury, but it really is not. Home warranties actually make the most sense for people that feel they can least afford them. A home warranty covers the cost of those home repairs that often crop up unexpectedly, when you can least afford them; for instance, a furnace that breaks in the middle of the winter? Water streaming in through the roof during the spring rains? For someone living on a fixed income or a tight budget, the cost of these repairs may mean saving money for several months. With a home warranty, as long as your premium is up to date, you will only be charged the cost of a service call, which is often less than 50 dollars.
Determining Who Pays for What
To consider yourself fully covered in the case of a household emergency, you should have both a homeowner’s policy and a home warranty plan in place. Having both plans should provide you with peace of mind, but it does bring up the question of who pays for what? While it may seem confusing, and that there would be some overlap, it is easy to determine who pays for what.
Both your homeowner’s policy and your home warranty policy will clearly state what is covered. Although there are can be additions and exclusions to both the homeowner’s policy and the home warranty, there will be no overlap. Homeowner’s policy typically cover things that may not occur, such as fire, theft or vandalism, just the way auto insurance covers you for accidents that you may never have. A home warranty covers you for routine maintenance, plumbing or electrical problems, a hot water tank that doesn’t heat, just like a warranty on a tool covers the tool if it breaks.
Choosing the Best Provider
Whether you are shopping for homeowner’s insurance or a home warranty policy, customer service is the first priority. Without someone available on the phone to answer your questions and get your claim processed, the most extensive coverage available will not be beneficial.
The length of time that a company has been in business is also important. While it is not a guarantee of good service, it is an indication that they are able to keep their customer’s happy. When you are shopping for a homeowner’s policy or a home warranty policy, talk to others who have similar policies, or who you know have recently filed claims. How was their claim handled? Was the paperwork overwhelming? How quickly was the claim settled? Although each claim is different, you can get some idea of how a company is run by how satisfied its current customers are.