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Welcome

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2016 Wilmington Trust Corporation and its affiliates. All rights reserved.

Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M Are NOT Deposits. Are NOT FDIC-Insured. Are NOT Insured By Any Federal Government Agency. Have NO Bank Guarantee. May Go Down In Value.

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Restricting finance cost relief for individual landlords #amortization #table #for #mortgage


#mortgage relief

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Restricting finance cost relief for individual landlords

Who is likely to be affected

Individuals that receive rental income on residential property in the UK or elsewhere and incur finance costs (such as mortgage interest), excluding where the property meets all the criteria to be a furnished holiday letting.

General description of the measure

This measure will restrict relief for finance costs on residential properties to the basic rate of Income Tax. This will be introduced gradually from 6 April 2017.

Finance costs includes mortgage interest, interest on loans to buy furnishings and fees incurred when taking out or repaying mortgages or loans. No relief is available for capital repayments of a mortgage or loan.

Landlords will no longer be able to deduct all of their finance costs from their property income to arrive at their property profits. They will instead receive a basic rate reduction from their income tax liability for their finance costs.

Landlords will be able to obtain relief as follows:

  • in 2017 to 2018 the deduction from property income (as is currently allowed) will be restricted to 75% of finance costs, with the remaining 25% being available as a basic rate tax reduction
  • in 2018 to 2019, 50% finance costs deduction and 50% given as a basic rate tax reduction
  • in 2019 to 2020, 25% finance costs deduction and 75% given as a basic rate tax reduction
  • from 2020 to 2021 all financing costs incurred by a landlord will be given as a basic rate tax reduction

Policy objective

To make the tax system fairer, the government will restrict the amount of Income Tax relief landlords can get on residential property finance costs (such as mortgage interest) to the basic rate of tax. This will ensure that landlords with higher incomes no longer receive the most generous tax treatment. To give landlords time to adjust the government will introduce this change gradually from April 2017 over 4 years.

Background to the measure

This measure was announced in Summer Budget 2015.

Detailed proposal

Operative date

This measure will have effect for finance costs incurred on or after 6 April 2017.

Current law

Current law on how to calculate the profits of a property business is included in Chapter 3 of Part 3 Income Tax (Trading and Other Income) Act 2005.

Proposed revisions

Legislation will be published in Summer Finance Bill 2015 to restrict deductions from property income for finance costs for residential properties for individuals and to introduce a tax reduction at the basic rate of Income Tax.

Deductions from property income will be restricted to:

  • 75% for 2017 to 2018
  • 50% for 2018 to 2019
  • 25% for 2019 to 2020
  • 0% for 2020 to 2021 and beyond

Individuals will be able to claim a basic rate tax reduction from their Income Tax liability on the portion of finance costs not deducted in calculating the profit. In practice this tax reduction will be calculated as 20% of the lower of the:

  • finance costs not deducted from income in the tax year (25% for 2017 to 2018, 50% for 2018 to 2019, 75% for 2019 to 2020 and 100% thereafter)
  • profits of the property business in the tax year
  • total income (excluding savings income and dividend income) that exceeds the personal allowance and blind person’s allowance in the tax year

Any excess finance costs may be carried forward to following years if the tax reduction has been limited to 20% of the profits of the property business in the tax year.

Summary of impacts

Exchequer impact (£m)

These figures are set out in Table 2.1 of Summer Budget 2015 and have been certified by the Office for Budget Responsibility. More details can be found in the policy costings document published alongside Summer Budget 2015.

This measure could marginally reduce demand for housing but it is not expected to have a significant impact on either house prices or rent levels due to the small overall proportion of the housing market affected and the offsetting impact of wider budget measures. The costing includes a behavioural response from the impacted population having relief for finance costs restricted to the basic rate of Income Tax.

Impact on individuals, households and families

It is expected that 1 in 5 individual landlords will receive less relief as a result of this measure. Administratively this measure will affect individuals (including partners in partnerships) with income from residential property that incur finance costs. It is also expected that both the one-off and on-going administrative burdens for these individuals will be negligible as the majority will still only need to complete one box for finance costs on the self-assessment return and the new tax calculation will be automated for those filing online. For those filing a paper return, we expect a tax calculator to be available. There will be an additional administrative burden for individuals with rental income from both commercial and residential properties as they will need to complete an additional box as a result of the measure.

The measure is not expected to impact on family formation, stability or breakdown.

It is likely that this measure will impact on those with above average incomes. It is not anticipated that the measure will adversely impact on any particular protected characteristic group.

There are no other expected impacts on the equality of groups sharing protected characteristics.

Impact on business including civil society organisations

The impact on individuals is explained above. There is no additional impact on business.

This measure is expected to have no impact on civil society organisations.

Operational impact (£m) (HM Revenue and Customs (HMRC ) or other)

The additional costs for HMRC for implementing this change are estimated to be in the region of £420,000 for the IT changes and £150,000 for customer information and support. Compliance will be carried out in accordance with HMRC ‘s compliance strategy, with an indicative cost of around £500,000 – £1 million for resource, training and guidance.

Other impacts have been considered and none have been identified.

Monitoring and evaluation

The measure will be monitored through information collected from tax returns.

Further advice


Restricting finance cost relief for individual landlords #fha #mortgage #calculator


#mortgage relief

#

Restricting finance cost relief for individual landlords

Who is likely to be affected

Individuals that receive rental income on residential property in the UK or elsewhere and incur finance costs (such as mortgage interest), excluding where the property meets all the criteria to be a furnished holiday letting.

General description of the measure

This measure will restrict relief for finance costs on residential properties to the basic rate of Income Tax. This will be introduced gradually from 6 April 2017.

Finance costs includes mortgage interest, interest on loans to buy furnishings and fees incurred when taking out or repaying mortgages or loans. No relief is available for capital repayments of a mortgage or loan.

Landlords will no longer be able to deduct all of their finance costs from their property income to arrive at their property profits. They will instead receive a basic rate reduction from their income tax liability for their finance costs.

Landlords will be able to obtain relief as follows:

  • in 2017 to 2018 the deduction from property income (as is currently allowed) will be restricted to 75% of finance costs, with the remaining 25% being available as a basic rate tax reduction
  • in 2018 to 2019, 50% finance costs deduction and 50% given as a basic rate tax reduction
  • in 2019 to 2020, 25% finance costs deduction and 75% given as a basic rate tax reduction
  • from 2020 to 2021 all financing costs incurred by a landlord will be given as a basic rate tax reduction

Policy objective

To make the tax system fairer, the government will restrict the amount of Income Tax relief landlords can get on residential property finance costs (such as mortgage interest) to the basic rate of tax. This will ensure that landlords with higher incomes no longer receive the most generous tax treatment. To give landlords time to adjust the government will introduce this change gradually from April 2017 over 4 years.

Background to the measure

This measure was announced in Summer Budget 2015.

Detailed proposal

Operative date

This measure will have effect for finance costs incurred on or after 6 April 2017.

Current law

Current law on how to calculate the profits of a property business is included in Chapter 3 of Part 3 Income Tax (Trading and Other Income) Act 2005.

Proposed revisions

Legislation will be published in Summer Finance Bill 2015 to restrict deductions from property income for finance costs for residential properties for individuals and to introduce a tax reduction at the basic rate of Income Tax.

Deductions from property income will be restricted to:

  • 75% for 2017 to 2018
  • 50% for 2018 to 2019
  • 25% for 2019 to 2020
  • 0% for 2020 to 2021 and beyond

Individuals will be able to claim a basic rate tax reduction from their Income Tax liability on the portion of finance costs not deducted in calculating the profit. In practice this tax reduction will be calculated as 20% of the lower of the:

  • finance costs not deducted from income in the tax year (25% for 2017 to 2018, 50% for 2018 to 2019, 75% for 2019 to 2020 and 100% thereafter)
  • profits of the property business in the tax year
  • total income (excluding savings income and dividend income) that exceeds the personal allowance and blind person’s allowance in the tax year

Any excess finance costs may be carried forward to following years if the tax reduction has been limited to 20% of the profits of the property business in the tax year.

Summary of impacts

Exchequer impact (£m)

These figures are set out in Table 2.1 of Summer Budget 2015 and have been certified by the Office for Budget Responsibility. More details can be found in the policy costings document published alongside Summer Budget 2015.

This measure could marginally reduce demand for housing but it is not expected to have a significant impact on either house prices or rent levels due to the small overall proportion of the housing market affected and the offsetting impact of wider budget measures. The costing includes a behavioural response from the impacted population having relief for finance costs restricted to the basic rate of Income Tax.

Impact on individuals, households and families

It is expected that 1 in 5 individual landlords will receive less relief as a result of this measure. Administratively this measure will affect individuals (including partners in partnerships) with income from residential property that incur finance costs. It is also expected that both the one-off and on-going administrative burdens for these individuals will be negligible as the majority will still only need to complete one box for finance costs on the self-assessment return and the new tax calculation will be automated for those filing online. For those filing a paper return, we expect a tax calculator to be available. There will be an additional administrative burden for individuals with rental income from both commercial and residential properties as they will need to complete an additional box as a result of the measure.

The measure is not expected to impact on family formation, stability or breakdown.

It is likely that this measure will impact on those with above average incomes. It is not anticipated that the measure will adversely impact on any particular protected characteristic group.

There are no other expected impacts on the equality of groups sharing protected characteristics.

Impact on business including civil society organisations

The impact on individuals is explained above. There is no additional impact on business.

This measure is expected to have no impact on civil society organisations.

Operational impact (£m) (HM Revenue and Customs (HMRC ) or other)

The additional costs for HMRC for implementing this change are estimated to be in the region of £420,000 for the IT changes and £150,000 for customer information and support. Compliance will be carried out in accordance with HMRC ‘s compliance strategy, with an indicative cost of around £500,000 – £1 million for resource, training and guidance.

Other impacts have been considered and none have been identified.

Monitoring and evaluation

The measure will be monitored through information collected from tax returns.

Further advice


My eCoach #community, #online, #free, #funding, #education, #web #2.0, #professional #development, #21st #century #skills, #digital


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Create websites, lessons, and projects in no time at all with everything you need at your fingertips. Clone templates, create projects, match to Common Core State Standards, co-author, allow comments, embed video, control who sees your website, and you always have access to your stuff. Join now by clicking Sign Up on the left bar!

Create a community or course in a safe and secure online environment that you can depend on. Connect and collaborate in a private area and share what you want to share with the world. This is your your place in the cloud with all the tools you need in one place with coaching to support community members. Contact us so we can help you personalize your virtual community.

Contact us to find out how you can include inquiry, creativity, critical thinking, and collaboration in your learning environment AND e asily match to Common Core State Standards so your students are college- and career-ready. We work with teachers and coaches behind the scenes to plan, design, create and celebrate the creativity and learning happening with your students. Teachers can even set up class teams with students.

Elementary Classroom Teacher

San Bruno Park School District

San Francisco, CA

Melissa has been a member of My eCoach since 2008. She currently teaches sixth grade and has additionally taught many after school programs. Meilssa is always excited to go beyond the school day to assist others in developing skills and facilitating interdisciplinary education. She believes that technology integration and project based learning are outstanding ways to facilitate learning. Her groups have been nominated for a variety of awards and won first place in the California Student Media Festival in 2009 under Best Use of Interactive Media. In addition to her regular classroom duties, Melissa serves on her school s Leadership Team, her district s Curriculum Council and on the district s Technology Committee. Teaching students how to apply classroom concepts in the real world is a priority for Melissa. Thank you, Melissa, for all your talented work in education and for using My eCoach. Below are just a few of her projects.


Wendy Ezell, CPA #certified #public #accountant, #cpa, #state #and #local #taxation, #franchise #tax, #sales #tax,


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Wendy Ezell PLLC is celebrating several milestones in 2014!

We are celebrating 13 years on innovation . We would like to thank all of our clients for their loyalty over the years. As the tax rules become more complicated, Wendy Ezell PLLC has continued to strive for excellence in customer service complimented by well trained staff. Always on top of the tax law changes and planning ideas, we bring this knowledge directly to you.

Wendy Ezell PLLC is also celebrating its8th year as anEndorsed Local Provider for the Dave Ramsey Show . We have helped people change their lives and build wealth for themselves and families. This year Wendy Ezell PLLC was recognized as the top ELP in the nation for the Dave Ramsey Show. Dave Ramsey Press Release

Wendy Ezell is entering her 15th year as aprovider of continuing education to CPAs across the country. Ms. Ezell partners with Surgent McCoy and the State Societies to teach CPAs tax law changes and preparation from basic to advanced topics. Wendy Ezell has signed a contract with Surgent McCoy to do national tax webinars starting in September 2014.

Wendy Ezell has been published in articles in the Grapevine Sun and Accounting Technology Magazine. She also also contributed to Channell 11 news .

Wendy Ezell has been our CPA for many years, from the first day we met, I knew she was going to do all she could to help us. She has continued to do our personal and business accounts, as well as doing our bookkeeping for several years. Her entire firm is the greatest, dedicated, and knowledgeable group of people. I have been proud to recommend her to others and the feed back has been very positive. Thank you Wendy and your firm for continuing to guide us through all our tax and accounting issues. – Marvin Hairgrove

Wendy Ezell PLLC has consistently prepared our taxes for many years. With prompt and courteous service. It s why we come back every year! – Sandy Bassett

Wendy Ezell Copyright 2001 – 2014

1670 Keller Parkway

Keller, Texas 76248


Corporate and Individual Financial Services #karls #mortgage #calculator


#covenant mortgage

#

Welcome

Need help, visit our Contact Us page.

2016 Wilmington Trust Corporation and its affiliates. All rights reserved.

Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M Are NOT Deposits. Are NOT FDIC-Insured. Are NOT Insured By Any Federal Government Agency. Have NO Bank Guarantee. May Go Down In Value.

Brokerage services and insurance products are offered by M
/* 728×90, создано 05.02.11 */
google_ad_slot = “6127977750”;
google_ad_width = 670;
google_ad_height = 90;
//–>

Restricting finance cost relief for individual landlords #simple #mortgage #calculator


#mortgage relief

#

Restricting finance cost relief for individual landlords

Who is likely to be affected

Individuals that receive rental income on residential property in the UK or elsewhere and incur finance costs (such as mortgage interest), excluding where the property meets all the criteria to be a furnished holiday letting.

General description of the measure

This measure will restrict relief for finance costs on residential properties to the basic rate of Income Tax. This will be introduced gradually from 6 April 2017.

Finance costs includes mortgage interest, interest on loans to buy furnishings and fees incurred when taking out or repaying mortgages or loans. No relief is available for capital repayments of a mortgage or loan.

Landlords will no longer be able to deduct all of their finance costs from their property income to arrive at their property profits. They will instead receive a basic rate reduction from their income tax liability for their finance costs.

Landlords will be able to obtain relief as follows:

  • in 2017 to 2018 the deduction from property income (as is currently allowed) will be restricted to 75% of finance costs, with the remaining 25% being available as a basic rate tax reduction
  • in 2018 to 2019, 50% finance costs deduction and 50% given as a basic rate tax reduction
  • in 2019 to 2020, 25% finance costs deduction and 75% given as a basic rate tax reduction
  • from 2020 to 2021 all financing costs incurred by a landlord will be given as a basic rate tax reduction

Policy objective

To make the tax system fairer, the government will restrict the amount of Income Tax relief landlords can get on residential property finance costs (such as mortgage interest) to the basic rate of tax. This will ensure that landlords with higher incomes no longer receive the most generous tax treatment. To give landlords time to adjust the government will introduce this change gradually from April 2017 over 4 years.

Background to the measure

This measure was announced in Summer Budget 2015.

Detailed proposal

Operative date

This measure will have effect for finance costs incurred on or after 6 April 2017.

Current law

Current law on how to calculate the profits of a property business is included in Chapter 3 of Part 3 Income Tax (Trading and Other Income) Act 2005.

Proposed revisions

Legislation will be published in Summer Finance Bill 2015 to restrict deductions from property income for finance costs for residential properties for individuals and to introduce a tax reduction at the basic rate of Income Tax.

Deductions from property income will be restricted to:

  • 75% for 2017 to 2018
  • 50% for 2018 to 2019
  • 25% for 2019 to 2020
  • 0% for 2020 to 2021 and beyond

Individuals will be able to claim a basic rate tax reduction from their Income Tax liability on the portion of finance costs not deducted in calculating the profit. In practice this tax reduction will be calculated as 20% of the lower of the:

  • finance costs not deducted from income in the tax year (25% for 2017 to 2018, 50% for 2018 to 2019, 75% for 2019 to 2020 and 100% thereafter)
  • profits of the property business in the tax year
  • total income (excluding savings income and dividend income) that exceeds the personal allowance and blind person’s allowance in the tax year

Any excess finance costs may be carried forward to following years if the tax reduction has been limited to 20% of the profits of the property business in the tax year.

Summary of impacts

Exchequer impact (£m)

These figures are set out in Table 2.1 of Summer Budget 2015 and have been certified by the Office for Budget Responsibility. More details can be found in the policy costings document published alongside Summer Budget 2015.

This measure could marginally reduce demand for housing but it is not expected to have a significant impact on either house prices or rent levels due to the small overall proportion of the housing market affected and the offsetting impact of wider budget measures. The costing includes a behavioural response from the impacted population having relief for finance costs restricted to the basic rate of Income Tax.

Impact on individuals, households and families

It is expected that 1 in 5 individual landlords will receive less relief as a result of this measure. Administratively this measure will affect individuals (including partners in partnerships) with income from residential property that incur finance costs. It is also expected that both the one-off and on-going administrative burdens for these individuals will be negligible as the majority will still only need to complete one box for finance costs on the self-assessment return and the new tax calculation will be automated for those filing online. For those filing a paper return, we expect a tax calculator to be available. There will be an additional administrative burden for individuals with rental income from both commercial and residential properties as they will need to complete an additional box as a result of the measure.

The measure is not expected to impact on family formation, stability or breakdown.

It is likely that this measure will impact on those with above average incomes. It is not anticipated that the measure will adversely impact on any particular protected characteristic group.

There are no other expected impacts on the equality of groups sharing protected characteristics.

Impact on business including civil society organisations

The impact on individuals is explained above. There is no additional impact on business.

This measure is expected to have no impact on civil society organisations.

Operational impact (£m) (HM Revenue and Customs (HMRC ) or other)

The additional costs for HMRC for implementing this change are estimated to be in the region of £420,000 for the IT changes and £150,000 for customer information and support. Compliance will be carried out in accordance with HMRC ‘s compliance strategy, with an indicative cost of around £500,000 – £1 million for resource, training and guidance.

Other impacts have been considered and none have been identified.

Monitoring and evaluation

The measure will be monitored through information collected from tax returns.

Further advice


Individual – Series I Savings Bonds Rates – Terms: Calculating Interest Rates #canada #mortgage #calculator


#historical interest rates

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RESEARCH CENTER

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Series I Savings Bonds Rates Terms: Calculating Interest Rates

What interest will I get if I buy an I bond now?

The composite rate for I bonds issued from May 1, 2016, through October 31, 2016, is 0.26%. This rate applies for the first six months you own the bond.

How do I bonds earn interest?

An I bond earns interest monthly from the first day of the month in the issue date. The interest accrues (is added to the bond) for up to 30 years.

  • The interest is compounded semiannually. Every six months from the bond’s issue date, all interest the bond has earned in previous months is in the bond’s new principal value. Interest is earned on the new principal for the next six months. For example, in month seven, interest is earned on the original price plus six months of interest. In month 13, interest is earned on the original price plus 12 months of interest. (However, values displayed by the Savings Bond Calculator for bonds that are less than five years old do not include the latest three months of interest. These values reflect the interest penalty.) If you hold the bond for at least five years, when you cash in (redeem) the bond, you receive all the interest the bond has earned plus the amount you paid for the bond.
  • You can redeem the bond after 12 months. However, if you redeem the bond before it is five years old, you lose the last three months of interest.

How does Treasury figure the I bond interest rate?

The interest on I bonds is a combination of

  • a fixed rate, and
  • an inflation rate

To see the current value of your bonds, use the Savings Bond Calculator. When using the Savings Bond Calculator to look up values of bonds that are less than 5 years old, keep in mind that the values of those bonds do not include the latest three months of interest. However, rates shown by the Savings Bond Calculator for those bonds do not reflect that interest penalty.

Fixed rate

You know the fixed rate of interest that you will get for your bond when you buy the bond. That fixed rate does not change during the life of the bond.

Treasury announces the fixed rate for I bonds every six months (on the first business day in May and on the first business day in November). That fixed rate then applies to all I bonds issued during the next six months.

The fixed rate is an annual rate. Compounding is semiannual .

Inflation rate

Unlike the fixed rate which does not change for the life of the bond, the inflation rate can and usually does change every six months.

We set the inflation rate every six months (on the first business day of May and on the first business day of November), based on changes in the non-seasonally adjusted Consumer Price Index for all Urban Consumers (CPI-U) for all items, including food and energy.

However, the change is applied to your bond every six months from the bond’s issue date. (The dates for these changes might not be May 1 and November 1.) When does my bond change rates?

Combining the two rates

To get the actual rate of interest (sometimes referred to as the composite or earnings rate) we combine the fixed rate and the inflation rate, using the equation in the example below.

  • The combined rate will never be less than zero. However, the combined rate can be lower than the fixed rate. If the inflation rate is negative (because we have deflation, not inflation), it can offset some of the fixed rate.
  • If the inflation rate is so negative that it would take away more than the fixed rate, we don’t let that happen. We stop at zero.

An example

The composite rate for I bonds issued from May 1, 2016, through October 31, 2016, is 0.26%

Here’s how we set that composite rate:

December 1 and June 1

Because I bonds that are less than five years old have values that do not include the latest three months of interest, values displayed by the Savings Bond Calculator for these bonds will not reflect rate changes on the schedule in the table above (When does my bond change rates? ) When looking at changes in values for these bonds, rate changes will seem to be delayed by three months.

What have rates been in the past?

Our Series I bond rate chart shows in one table all past and current rates–fixed rates, inflation rates, and composite rates.

The two tables below show fixed rates and inflation rates, respectively.

Fixed rates

The fixed rate set each May and November applies to all bonds we issue in the six months following the date when we set the rate. The fixed rate applies for the life of the bond.

Date the fixed rate was set

Fixed rate for bonds issued in the six months after that date


Corporate and Individual Financial Services #bank #mortgage #rates


#covenant mortgage

#

Welcome

Need help, visit our Contact Us page.

2016 Wilmington Trust Corporation and its affiliates. All rights reserved.

Wilmington Trust is a registered service mark. Wilmington Trust Corporation is a wholly owned subsidiary of M Are NOT Deposits. Are NOT FDIC-Insured. Are NOT Insured By Any Federal Government Agency. Have NO Bank Guarantee. May Go Down In Value.

Brokerage services and insurance products are offered by M
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//–>

Life Insurance Policy #life #insurance #policy, #online #car #insurance #policy, #car #insurance #policies, #auto #insurance


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