http://www.yourvalued.co.uk/blog/ The latest Blog feeds from www.yourvalued.co.uk en-us Fri, 06 Nov 2026 18:59:17 +0000 Rocketspark http://www.yourvalued.co.uk/blog/post/27264/pensions-and-inheritance-tax-preparing-for-the-april-2027-changes/ Pensions have always sat apart from the rest of your estate. Money left unused in a defined contribution pension, such as a SIPP, a personal pension or most workplace schemes, could generally pass to whoever you chose, free of Inheritance Tax, however large the fund.From 6 April 2027, that changes. Most unused pension funds and lump sum death benefits will be added to the value of your estate for Inheritance Tax purposes. This isn't a proposal still working its way through Parliament, it's alrea... Fri, 23 Oct 2026 09:02:00 +0100 http://www.yourvalued.co.uk/blog/#post27264 http://www.yourvalued.co.uk/blog/post/27249/making-tax-digital-for-income-tax-preparing-for-the-april-2027-threshold/ Making Tax Digital for Income Tax has already changed how sole traders and landlords earning over £50,000 keep records. From 6 April 2027, that net widens considerably, pulling in anyone with combined self-employment and property income over £30,000 — a group that includes many people who have never had to think about digital reporting before.The change isn't about how much tax you owe. It's about how often you report it. Instead of one Self Assessment return a year, you'll send four quarter... Thu, 15 Oct 2026 09:00:00 +0100 http://www.yourvalued.co.uk/blog/#post27249 http://www.yourvalued.co.uk/blog/post/27248/october-2026-news-round-up-what-business-owners-need-to-know/ This month's headlines share a common thread: mounting pressure ahead of the Budget. Inflation has climbed to 3.1% as fuel costs surge, even as the economy posted a surprise, AI-driven growth spurt. At the same time, HMRC cancelled a record number of tax penalties on appeal, raising questions about how automated fines are issued in the first place, while new research suggests six in 10 UK millionaires have considered leaving Britain altogether over fears of further tax rises.Individually, these ... Tue, 06 Oct 2026 10:45:00 +0100 http://www.yourvalued.co.uk/blog/#post27248 http://www.yourvalued.co.uk/blog/post/27253/late-payment-rules-protecting-your-business-cashflow/ Late payment has a way of turning a profitable sale into a cashflow problem. A business can complete the work, pay its staff and suppliers, and account for the tax all before the customer settles the invoice. It's a bigger issue than many owners realise: late payments cost the UK economy almost £11 billion a year, and an estimated 14,000 businesses close annually because of them.What's less well known is that businesses already have statutory rights here. You can charge interest on overdue comm... Mon, 28 Sep 2026 00:00:00 +0100 http://www.yourvalued.co.uk/blog/#post27253 http://www.yourvalued.co.uk/blog/post/27252/capital-gains-tax-what-to-check-before-you-sell-gift-or-transfer-an-asset/ Capital Gains Tax catches people out in a very specific way: it doesn't require you to receive cash to trigger a bill. Selling an asset for a profit is the obvious case, but giving one away, transferring ownership, or swapping one investment for another can all count as a "disposal" — and HMRC will generally value the transaction at market value, whether or not any money actually changed hands.That matters because the misconceptions run deep. Gifting a property to your child doesn't erase the ... Thu, 17 Sep 2026 00:00:00 +0100 http://www.yourvalued.co.uk/blog/#post27252 http://www.yourvalued.co.uk/blog/post/27247/september-2026-news-round-up-what-business-owners-need-to-know/ This month's headlines share a common thread: shifting rules and looming deadlines. Student loan interest rates have risen across every repayment plan, while HMRC confirmed that more than four in ten expected filers had still not signed up for Making Tax Digital ahead of the first quarterly deadline. Meanwhile, the new Chancellor has set his first Budget for 28 October, and revised VAT capital goods scheme rules have already come into force, easing the burden for smaller businesses buying or ref... Mon, 07 Sep 2026 00:00:00 +0100 http://www.yourvalued.co.uk/blog/#post27247 http://www.yourvalued.co.uk/blog/post/26882/august-2026-news-round-up/ This month's headlines share a common thread: tighter scrutiny and rising costs across the board. HMRC collected a record £938.8bn in tax and National Insurance, while the DWP's benefit fraud figures climbed alongside it, showing just how closely government finances are being watched and managed. At the same time, over 5 million homeowners face rising mortgage repayments as global events continue to ripple through interest rates, and the FCA has confirmed a firm timeline for regulating the cryp... Tue, 04 Aug 2026 09:44:00 +0100 http://www.yourvalued.co.uk/blog/#post26882 http://www.yourvalued.co.uk/blog/post/26792/july-2026-news-round-up-what-business-owners-need-to-know/ This month's headlines share a common thread: caution. Mortgage affordability is at its most stretched since 2008, businesses are leaning on temporary staff rather than committing to permanent hires, retirement savings are falling further behind what people will actually need, and the Government is pressing ahead with guaranteed hours reforms that could reshape how flexible workforces are managed.Individually, these stories touch on housing, employment and pensions. Together, they point to a wid... Mon, 06 Jul 2026 00:00:00 +0100 http://www.yourvalued.co.uk/blog/#post26792 http://www.yourvalued.co.uk/blog/post/26794/salary-sacrifice-in-2026-27-whats-still-worth-it/ Salary sacrifice is one of the simplest ways to cut your tax and National Insurance bill. Most people know that.What fewer people check is whether it still suits their situation — because the same arrangement that saves one person hundreds of pounds a year can quietly reduce another person's statutory maternity pay, mortgage affordability, or State Pension entitlement.Not every benefit works the way it used to either. Since 2017, many salary sacrifice schemes have lost their tax advantage unde... Mon, 29 Jun 2026 00:00:00 +0100 http://www.yourvalued.co.uk/blog/#post26794 http://www.yourvalued.co.uk/blog/post/26793/associated-company-rules-protecting-your-corporation-tax-thresholds/ Running more than one company is common. What catches people out is that the corporation tax rules don't look at each company in isolation — they look at the group as a whole.If your companies are "associated," your thresholds for the 19% and 25% corporation tax rates get divided between them. Have three associated companies, and a threshold that was £50,000 as a standalone business drops to £16,667. A profit level that comfortably sat at the small profits rate can suddenly fall inside the m... Mon, 15 Jun 2026 00:00:00 +0100 http://www.yourvalued.co.uk/blog/#post26793