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39 Valley News March 2010
FREE-ADS SELL FOR YOU!For Sale .... Wanted... Lost ... Found .... Jobs wanted .....
Jobs offered ... group, clubs .... meetings ...Seasonal & Anniversary GREETINGS, Family Announcements,Births, Marriages, Anniversaries, Engagements, In Memoriam
Just phone 01722 716268 and dictate your ad words over the phone.Max 20 words. Single month booking only. Ring to repeat.
or Email: [email protected]
FOR SALE:Kohler ride-on mower in goodcondition not used for 2 years,may need new battery £650. 01747870680. marWeed sprayer - pump action, bar-gain £60. 01747 870680 marToddlers tricycles - Two for sale£5 each. 01722 714509. marToddlersGardenSlide£15.01722714509. marKnitting machine a Jones KH 588.£20. 01722 714509. marKoi carp 3-4ins long orange andwhite. 500 to clear - the more youhave, cheaper they get. Must becleared. £3 each. 07745 89826 marBunk bed: in parts, good condi-tion; probably complete; availableto collect. £10 01722 716217. marTV set 14” in vgc, little used £10.01747 871908. marKindling wood £5, large bag alsoavailable Eco Briquettes great for
-er 07549 635164. octmarVillager wood-burning stove withback boiler. Chimney pipe andadaptor. Good condition. £400 ono.Tisbury. 01722 716576. marLarge unused plastic dog’s basketfrom Scats, and RAC adjustablecar guard. £10 each. 01722 716117. marThree original chrome towelwarmers with valves etc. VGC andGWO. 01722 716117. marGolf Clubs: Ladies 9 Irons YoshibaGraphite plus ‘Cobra’ Putter plus 4Woods - £35 01722 714509 mar
WANTED:Vinyl records LPs, 45s, singles &07748 875596. marAny old paintings, drawings,sketches, with or without frames,don’t throw them out, give me ashout, Paul 01722 717814 marOld motorcycles, mopeds, scoot-ers wanted. Aging in any conditionconsidered. 01722 716950 marJukebox any condition considered.01722 742322. marWood burning stove and chimneypipe To purchase. Good offer. Willcollect. 01722 716268 marCollections: Old records, vinyl45s, 78s, LPs, CDs. All typesof music. Adrian for valuation.01722741239.What’s in yer attic? We can sell itfor you, for free, and quick. 01722716268. [email protected]
SERVICES:Small businesses
advertise here.£5 per month minimum
Heatwave Discos caters for allparties to book call Mike on07824826299Property maintenance & decking.Building surveyor. Fovant. 07515350649. [email protected] feb
Lee Sheppard under-lays, accessories and vinyls. Fovant07706 629183.01722 714342. [email protected] febFriendly reliable gardening serv-ice: Ryan Turner, 07541 048755;John Fury 01722 743602/07972780037 feb
/bookkeepermonthly books, accounts, tax orvat returns. Vicki Regan 01722716103Beauty therapist: wedding make-up speciality. Val O’Keefe. 0771941 9232.
HOLIDAY LETS:Private owners -advertise here
£5 per month minimumCosta Tropicalefrom B’mth or So’ton; sleep up to8. Weekly rates from £700. Jayne07887 661429 feb/may
Do you need aHELPING HAND?
for housework, shopping, letter-writing, house-sitting (even hair
cuts, etc. etc.)JUST ASK. 07847 346326.Excellent references. dec
TO LETSTUDIOANNEX - Self contained.Short term lets or b and b basis. 10mins from Salisbury. On bus route.Parking. 01722 781137 jan
and time-consuming? Can we help?www.relocationrelocationreloca-tion.co.uk or 07791 489 325
HOUSEKEEPING:All aspects, including cleaning,changeovers, laundry, maintenance.By experienced local ladies - ex-ceptional references.01722 714340
(jan10)
Fed up with cleaningyour car?
Call Chris’s Car Valet ServiceNOW for a SUPREME CLEAN
0788 802 7274. dec
MAISON MAKEOVERSMaximise your house and homepotential whether for selling oreveryday comfort. Affordable, sim-ple and effective ideas. 30yearsexperience. Call Annabelle for achat. 07791 489325 dec
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Natural healing, counselling,yoga. Chilmark & Hidden DepthsSalon, Shaftesbury. 01722 [email protected]
BED AND BREAKFASTCricket Field House B&B
Manor Farm Burcombe B&B
BOOKKEEPERSBrown Bookkeeping
CATTERIESThe Fovant Cattery – Mike Mitchell
HISTORIANSpoken Histories
INVESTMENTS, PENSIONS, LIFE ASSURANCE, FINANCIALPLANNINGEmery-Little Financial Services LLP
MOBILE EYECARERoving Eye
NURSERIESDinton Pre-School
Manor Farm Nursery
PAINTERS/DECORATORSRichard Nelmes
PUBLICATIONSValley News
SEPTIC TANK SERVICESRob Beale Ltd
SCHOOLSSalisbury Cathedral School
-chool.comSPIRITUALITY/RELIGIONNational Unitarian Fellowship
THERAPISTS/PSYCHOLOGISTS/BEAUTY/MAKEOVERSDr Karen Janes - Reiki,Clinical Psychologist
Val O’ Keefe Beauty, beauty, massage, pamper/wedding makeovers 12
TAXIS/HIRE VEHICLESHilltop Specialist Hire
WEDDING CAR HIRE
VEHICLE REPAIRS /BODYWORKElite Panelcraft
WEBSITE DESIGNMustard Agencywww.themustardagency.com [email protected]
SITS. VACANTHairdresser, Wilton salon. Termsnegotiable. 01722 742322. mar
SERVICES:Babysitting: experienced CRB-
hour, evenings and weekends. Ha-ley. 07765 407918 marIroning: Barford/Burcombe area.£10 hour in aid of charity. Regularservice. 01722 743745 mar
Website Directory:3 lines - only £12/year - 12 insertionsUnique: NEW EASY REFERENCE WEBSITE AND EMAIL DIRECTORY
SITS. WANTEDHouse sitting service, dogs, horses,farm animals - all catered for. 01722714 340 feb
To add your name, what you do and your email and web addresses, just emailwording in 3 lines, and send cheque for £12 to cover one year, 12 insertions,to Valley News, Home Close, Teffont, Salisbury SP3 5QY.
Made to measure, pine bookcases,cupboards etc. free standing only.Fovant.John 07775910971. www.thepineworkshop.co.uk mar
English Tuition: Experienced,
01722 716663..LR Weedon Joinery Carpenter &Joiner 01722 743939.Reliable carpenter, 30 years ex-perience, free estimate, no job tosmall. Nick Stone 01722 714947.Accountant: Tax returns-annualaccounts for small businesses, self-employed. Reasonable rates. SteveMaton FCCA 01722 416903.
40 Valley News February 2010
Sarum Over 50s Group is asocial club which meets for lunchonce a month in a Salisbury hotel.
It also organises visits, quizevenings and other events.
Contact the Secretary,Olive Soutar, on 01722 326989.
WILTON KARATE CLUBSarum 65,
Brown Street, Salisbury,& Tisbury Sports Centre,
Tuesdays-Wednesdays 7-8.30pmThe club is registered and runs
competitions.Details Sensei John Crocker,
telephone 01722 744013
Broad ChalkeTable Tennis Club
Peter SmalleyEbblesway Courtyard, High Road,Broad Chalke,Salisbury SP5 5EFTel.780182 Fax: [email protected]
Amesbury Sequence Dance ClubAntrobus House, Amesbury.
Mondays 7.45 - 10.15pm(Except Bank Holidays)
Every one Welcomed.Come & join us!
More details from Maureen Perry on01722 742542
SARUM SEQUENCE DANCE CLUB
Every Wednesday7.45 to 10.15pm
Michael Herbert Hall, Wilton.Beginners and experienced
sequence dancers welcome. Greatphysical and mental exercise and
good company.Contact Chris Kirkup on
01722 324084.
SALISBURY LACEMAKERSMeet Tuesday evenings in
7.30 – 9pm atBishop Wordsworth’s SchoolWe mainly make bobbin lace.
More detailsMoira Coleman 01722 742022.
Nicky Street 01722 790309
WILTON BINGO CLUB,Every Monday at theCommunity Centre,
West Street. 7.30 - 8.50pm.An evening’s fun for under £5.
Over 18s only.
EBBLE VALLEYSHORT MAT BOWLING CLUBCoombe Bissett Village Hall
Most Monday evenings 7.30pmNew members and guests
welcome.More details from:
David Germain 718531Margaret Gilbert 341192
NADDER VALLEY WINE CIRCLE
contactAlastair Bellingham on 01722716267 or Ted Haines 716549.
Local clubsSend us your details and recruit more members
ADD YOUR CLUB HERE!£5 PER BOX - YEARLY: £50 FOR 12 ISSUES
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JOIN A CLUB
SALISBURY ANCHORSEA ANGLING CLUB
Boat and Beach competitionsNew members welcome
For more informationphone Brian Browning.
01722 742894Evenings only please.
Dinton & DistrictShort Mat Bowls Club
New members/visitors welcome.Weds 7.30-10pm/Fridays 2-4.30pm
For more details contactDave Witt, 716553 orPhil Herbert 716604
OASIS DANCERSOriental Belly Dance Classes
Mondays (Beginners/Improvers)Tuesdays (Intermediates),
Quidhampton Village Hall,Lower Road, Salisbury, SP2 9AR.
Sabine 01722 742 843,[email protected]
WILTON PRE-SCHOOL 2-5yoBristol Standards Award:Positive, friendly learning
environment 07737547141
COMPTON CHAMBERLAYNEBRIDGE CLUB
Meets on alternate Fridays at7.15pm in Compton
Chamberlayne Village HallContact Sid or Breda Adcock on
(01722) 714509 or e-mail [email protected]
BELL RINGING-friendly activityfor nearly everybody from age 10.To learn at Wilton, or come backto ringing after a break, contactAndrew Frost on 01722 505113.
Barford & Dinton Bellringerspractice Wednesday evenings
7:30-9pmBarford Church 1st & 3rd
Dinton Church 2nd & 4th WedJust turn up or contact Justin or
Linda on 01722 716739
Bob Blandford Memorial Scout Hallpurpose built kitchen, fully acces-
sible. Ideal for weekly clubs, partiesand special occasions. Large, safe,
indoor & outdoor play areaCall Alan Turner 01722 743403
TISBURY BOWLS CLUBSeeks new members. All standards
-
shoes (no heels) required - trainersnot suitable, bowls available.
Phone 01747-871766Phone 01747871766 or 871185 for details
Salisbury & District BirdKeepers Association
Salisbury’s New Bird Club4th Wednesday of each month.
St Michael’s Community CentreChairman T. Leat 01725 513249
Secretary B. Shaw 01722 505087
Accord Social GroupSingle and over 45? want newfriends? Join us for a weekly meeting[Pub] and for theatre/City Hall shows,walks, meals out and a variety of
Contact Ann 01722 338256
WILTON PLAYERS is lookingfor new and former members to joinin workshops. Contact Peter Edge
742667 for more details.
Tisbury Angling ClubRiver.3-miles Nadder. 2 lakes,
Dinton & Wardour.Bernie Broom, membership
01722 743255?? HARD OF HEARING ??friendly and informal Lip-readingGroup helps cope with hearingloss. Wednesday mornings atWilton Community Centre
More information 01985 213259
Church Hall and Meeting Room,Harnham
Available regular day time bookingsconsidered.
07925 108856 Email:[email protected]
KEEP FIT ASSOCIATIONexercise and movement classes.All ages or 50+. Various venuesand times, Salisbury and district.
Contact Sheila 01722 333954for details.
Wyvern Hall, WylyeRegistered Charity No 275015. Newlyrenovated Hall with new kitchen. Suit-able for parties, meetings, seminars, etc
Contact Sylvia Carpenter01985 248430.
EXTENDMovement to music for over 60s
10am on MondaysVillage Hall, Quidhampton
Call Muriel on 01722 328013ormobile no 07840 957 990
Kingsway Short Mat Bowls ClubBob Blandford Memorial Hall Wilton
for daytime or evening sessions.All equipment provided.Annual membership £5.
Further details: -01722 790345 0r01722 743853.
HALLS FOR HIRE
Salisbury Branch of BackCareHydrotherapy Classes for BackSufferers at Salisbury District
HospitalChoice of Monday, Wednesday or
Thursday classes.Contact Barbara White
01722 333925
Salisbury & DistrictNATURAL HISTORY SOCIETY
Indoor meetings 3rd Thursday eachmonth Sept – April at 7.30 pm
in Salisbury Museum.New members welcomed.
Contact Secretary: 01722 742755
WESSEX STOMA SUPPORTGROUP
Your local support group for allOstomists - regular meetings,
Contact Secretary on01722 741233
e-mail [email protected]
CHALKE VALLEY FLOWER CLUBMeets at Broad Chalke Village HallFourth Wednesday of the month at7.30pm (except May, Sept, Dec)
Come and try us. Everyone welcome.Phone Liz Long 01722 780448
Salisbury & DistrictNatural History Society
Indoor meetings third Thursdayeach month September – April at
7.30pm in Salisbury Museum.
New members welcomed.Contact Secretary: 01722 742755
Coombe Bissett & HomingtonGarden Club
Meet 3rd Monday each monthCoombe Bissett Village Hall.
7.30pm. May vary for outings andFlower Show
Roger Stockton 01722 780866Email: [email protected]
Salisbury PsoriasisSupport Group
Meetings every 2nd Wednesdayin February - May - JulySeptember - December
For details:Tel: 01722 337250Salisburypsoriasisgroup@
hotmail.co.uk
Studio Theatre, Ashley Road,Salisbury. Tues 10am-12noon.Tel Dee M 01722 710 508
Harnham Memorial HallWatersmeet Road,Salisbury
(Charity No: 241196Casual & regular bookings
Tel: 01722 337250 for details.
Tisbury & DistrictSquare Dance Club
Thursdays, Victoria Hall 8pmDetails: 01747 870154
or just come in on the night
Beginners Tai Chi WiltonCommunity Centre, West St.
Wednesdays 10.30amFirst Class Free if you pre-reg-ister with Longwater Tai Chi on
01725 514546
Salisbury & S WiltsNational Trust Association
Monthly winter lectures, outingsand social events.
Membership Secretary,Bramblewood, Clarendon Road,Alderbury, Salisbury SP5 1AA
Dinton Historical SocietyRegular lectures held in the Vil-
lage Hall, outings and social events.Secretary David Wise 01722 716600.
SQUARE DANCING atTHE VICTORIA HALL.
TISBURYThursdays: refreshments available
phone Pauline: Tisbury017474 870154 for details
or just come in on the night.
Sarum Decorative & Fine ArtsSociety
meets 2nd Tuesday every month11 amSt Francis Church Hall
Beatrice RoadSalisbury SP1 3PN
Visitors Welcome. Entrance £5.Phone 01725 512284
'LITTLE MINSTRELS' Dramaand Music for toddlers, inTisbury on Friday mornings.More details, Melanie on01747 870852. oct
Fonthill Park Cricket ClubJoin the friendliest local cricket club-play at one of the nicest grounds inthe county. New players aged 14-60always welcome.Winter nets and
season. Contact Club Captain Jim-my Street 07771 516386.
Scrapbooking CropJoin us for a Scrapbooking Crop at
Wilton Community Centre.9 Jan, 13 Mar, 8 May, 10 Jul, 11 Sep,
13 Nov. 10am -4pmBring own lunch, refreshments
available£7 for the day if paid in advance, or
£10 on the dayPlaces limited and must be bookedMore details: Dawn Walters, 01722327530 [email protected].
TEFFONT GARDEN CLUBmeets about 6 times a year:
lectures, visits and social evenings.Everyone welocme.
More information and to join:Mary Corrie 01722 716981 orPaddy Dawson 01722 716729
Wilton Community Centre.West Street, Wilton.
3 good sized rooms, meeting roomand kitchen for hire. Completely
refurbished. Very good rates.Bookings Secretary
Dawn Humphries 01722 [email protected]
41 Valley News March 2010
Julian FerraroJAGUAR SPECIALIST
Service & Parts
Telephone: 01722 744059Fax: 01722 743935 Mob: 07702 347396
Unit 14, Barnack Industrial Estate, Wilton,
Salisbury, Wiltshire SP2 OAW
For newspapers & magazinesthrough your door
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Daily deliveries 7 days a week in local villages
Working with TheGreen Gate Compa-ny, Jacksons Fine
Fencing now sells ornamen-tal and timber gates with so-lar-powered automation.
With a solar-powered product,
automated solution becausethe gates do not need mainspower. They can be installed inremote places, such as farm-land or school and public build-ing entrances, away from themain building. It also makesthem safer - no main cables -and, of course, more environ-mentally friendly as the gatesproduce their own power sup-ply, even on a cloudy day!The gates are easier to use
because they can be controlledremotely. This makes them theideal solution for farm use, orbusinesses needing automat-ic accesses, or to gain accessto private homes, garages andcar parking areas.
For more information or bro-chure, call 0800 414343 or logon to www.jacksons-fencing.co.uk.
For automation enquiries,contact 08456 800269 or visitwww.solargates.co.uk.
Gateways to asafer environment
TWO OF to-day’s mostconcerning is-sues – increas-ing securityand beingenvironmen-tally aware –have been ad-dressed by apioneering lo-cal company.
The GreenGate Company,based in Salis-bury, has a newrange of UK-manufactured solar-poweredgates, or barriers designed tokeep home, school or busi-ness secured all year round– and rated for the shortest,cloudiest day.
Harnessing the sun’s ener-gy can help make life safer,greener and more convenient.
The Green Gate Companyhas a range of security solu-tions powered by renewableresources.
Valley Gardening
42 Valley News March 2010
Five things you may not know about
Ü»óÔ·¦ Ü»´·½¿¬»»²æó1. We are now open on a Sunday 9am - 2pm
3. We have fresh bread delivered 6 days a week from localBakers Avery & Sons and The Cottage Loaf Gillingham
4. We can supply platters of sandwiches, quiches and cakes forbusiness meetings, Seminars, or private occaisions.
5. Our kitchen can produce ready meals for any number ofpeople from 1 up to 20+ .Please ring us for more information.
High Street, Tisbury,Shop Telephone Number 01747 871771Website www.deliz.co.ukOpening times:- Mon – Friday 8.30 – 5.30pmSat 8.30 – 3pm. Sun 9am – 2pm
Greeningour valleyDESPITE continuing snow
be just round the corner.Start keeping an eye out for
dead plants, plants mauled bythe bad weather so they havebroken branches. Cut damagedspurs back to below the pointof the break if you can or, in thecase of dead plants, take them
with new soil/compost and planwhat to replace them with.
If you are replanting anything,make sure you leave no airpockets around the roots asfrost will get in and kill the plant.
And keep your eye out for
their heads above the parapet.Snowdrops there are aplenty.But the hellebores are startingto show too. Cut back the deadleaves so you can see the new
-
-ter on the table.
bores more the older I get(weird I know). It’s not just the
beautiful, particularly say Hel-lebore argutifolius Silver Lace,which is one of my absolute fa-vourites for dark places as the
Dorinda Wolfe Murray runsDown to Earth Partners Ltd,a garden design and mainte-nance company based in Six-penny Handley.Tel: 01725 552 852, www.downtoearth-gardening.co.ukwww.downtoearth-gardening.co.uk. Can’t wait until next is-sue? Read her blog at http://dtep.blogspot.com
Valley Gardening
AS WE celebrate Mother’sDay this month, it might beworth mentioning that, ac-cording to a study conductedby the University of Northum-bria, women are geneticallypre-disposed to gardeningthanks to an evolutionary di-vergence that had women‘gathering’ while prehistoricmenfolk ‘hunted’.
Women also make the bestplant people because they havebetter colour recall than men.Recent research from the RHSshows women gardeners' voic-es speed up growth of tomatoplants much more than men's.
Coupled with the fact that15% of the hours the averagehousehold devotes to work inthe home is spent on garden-ing, it is hardly surprising that alot of gardening knowledge andexpertise is handed down frommother to daughter.
Mother's Day, traditionallyknown as Mothering Sunday,
employers, and the aristocracyduring the 1600s, for domesticservant girls to take off work tovisit their families and, in partic-ular their mothers. Celebratedon the fourth Sunday of Lent, theservants and apprentices wouldbake cakes and make gifts or
make their mother's day.
Mum’s thecurrentword in
the garden
and plants associat-ed with Mother’s Daybloom in early spring,such as daffodils andtulips, although roses havegrown in popularity.
If you’re thinking of giving aplant as a gift, you could alwaystry one of these suitably namedroses - My Mum, a profusionof fragrant scarlet blooms, orGranny’s Favourite, a beautifullittle patio rose, with masses of
Alternatively, if your Mum isyour gardening guru, perhapsgive some National Garden GiftVouchers which allow her tochoose her own gift.
In addition to Mother’s Day,March is the month that thingsget going in the garden. Rakeout moss and dead grass fromthe lawn and start mowing. Di-vide perennials, like hostas andtasters, so they grow bigger andbetter by being halved and re-planted.
More information:Sara Milne orSarah BurnsNational GardenGift Vouchers atClarevilleCommunications020 7736 4022or [email protected]
Check if plants in pots have be-come root-bound. If so, re-potthem and freshen up the com-post. Scrape away the top lay-er and add some new. Cleanout bedraggled or dead plantsin borders and treat yourself tosome spring bedding like primu-
March is also a good plant-ing time for more mature plants,such as the versatile, evergreenHebe. Named after the GreekGoddess of Youth and original-ly from New Zealand, Hebeslike well-drained soil and par-tial shade - ideal for a number ofgarden locations.
There are over a 100 speciesto choose from - everything fromdwarf varieties that look greaton patios, or in pots, to larg-er plants that thrive in any sizegarden. With a range of colour-ful leaves, from green and silverto bronze and red, Hebes comeinto their own during summer.They can stand long dry weath-er and look beautiful, blossomprofusely and excellent at at-
small-leaved hebe with pink-
ing shrub with dark green ovalleaves tinted and edged withpurple and light mauve-pink
43 Valley News March 2010
[email protected] Web www.annabelsutton.com
I should add that dividends re-ceived under ISAs are excludedfrom higher rate tax.
The law now states that pen-sion contributions have to bemade within the individual taxyear to which they apply andtherefore if you are self-em-ployed or your income is not
sure that you have made anylump sum pension paymentsbased on an assessment of ex-pected income.
Since A-Day in April 2006,personal pension contributionsmay be as high as earned incomein that year, with upper limits.The Chancellor has now intro-duced, with effect from April6, new rules that will apply tothose earning over £100,000,£130,000 and £150,000 respec-tively per annum.
For those who wish to makelarge capital gift paymentsto your family, you may liketo know that payments up to£3,000 per annum are exemptfrom any potential inheritancetax liability and can be maderetrospectively to the previoustax year.
Also, if you have a substantialsum and wish to make gifts toyour family shortly before theend of the tax year and have notmade gifts in the previous year,you may give £6,000 on April 5and a £3,000 more on April 6,making a total of £9,000.
Gifts that form part of normalexpenditure and are made out ofincome rather than from capital,do not attract potential inherit-ance tax liability.
Couples in receipt of an annu-al income, either from employ-ment or from pensions, and alsohave investments should try toensure both parties have takenadvantage of their tax allow-ance.
Note: transfers of investmentsbetween legal partners is al-lowed without gift or IHT im-plications. Also remember that,although old age pension is paidgross, it is nevertheless liable totax and forms part of your taxa-ble income.
planning viewpoint and youshould bear in mind that I amnot an accountant: but if youhave any individual queries youwould like answered, you aremost welcome email me [email protected].
I hope these comments willhelp you to pay a little less taxin the future and to arrange yourincome and investments in anattractive format.
THE TAX year runs fromApril 6 until April 5 of the fol-lowing year.Personal and employed income
is based on the income receivedin the 12 calendar months re-
You may be interested to knowthat income tax was originallyintroduced in 1799 as a tempo-
-poleonic Wars with France.
Each year, there is a pre-Budget speech by the Chancel-lor in November when, in gen-eral terms, the Nation’s Budgetspending for the following yearand the personal allowancesfor individuals are announced
changes, in the Budget pub-lished in March each year.
This year there has been no in--
cellor has not increased per-sonal allowances. They remainthe same as in the current yearnamely, a basic personal al-lowance of £6,475 per annum(£125.52 a week) and the next£37,400 at 20% tax rate.
Thus, you will not pay higherrate tax until your gross incomeis £43,875 or more. You can ef-fectively increase your personalallowance by making personalpension payments. Thus, if youpaid £5,000 into a pension, youwould not be liable to pay high-er rate tax until your annual in-come was £48,875.
For those between 65 and 74,personal allowance is increasedto £9,490 per annum if your to-tal annual income is £22,900 orless. This additional allowanceof £3,050 reduces by £1 forevery £2 income over £22,900. For those with an income over£29,000, the basic personal al-lowance of £6,475 applies.
These allowances apply toboth husband and wife/partner.With careful planning, a couplecould have an income in excessof £90,000 pa before payinghigher rate tax. Income receivedfrom ISAs - cash or stocks andshares - are not liable to incometax. Additionally, if you take anincome of up to 5% (of the orig-inal capital sum) from a life in-vestment bond, that too is paidtax free and neither of theseitems need to be declared onyour tax returns.
If you receive dividends fromshares or ISAs, tax is deductedat 10%, and no further tax be-comes payable unless you moveinto a higher rate tax bracket.Note: non-tax payers cannot re-claim the tax paid on these div-idends.
By Bryan Little
you do not have to pay capitalgains tax on investment gainson shares and collective invest-ment holdings. Capital Gainstax is payable at 18% on gainsabove these limits but there arestrong rumours that it will in-crease in the foreseeable future.
Many people complain aboutthe tax they have to pay. Re-member, it is the tax we pay
receive and take for granted. Ifyou pay tax, feel for those whodon’t. Would you want to bein their shoes particularly on acold winters night.Bryan Little, FCII, ACISPartner, Emery Little FinancialServices LLP C
with substantial investments,capital gains tax is levied onindividual gains in excess of£10,100 in the current tax year,but in the case of joint holdings,that allowance is doubled formarried couples and legal part-ners.
If you are sitting on gainsin excess of this amount, youshould give active considera-tion to encashing part of yourinvestments and re-investing,thus taking advantage of yourtax free allowance in this taxyear.
For Mr and Mrs Average, itshould be possible to arrangeand invest in such a way that
New rules apply to those earning more than £100,000, £130,000 and £150,000
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