NEW MOBILE PHONE DEALS

3:28 AM |

Catherine Melough
The mobile market in the world economy today is massive. With the advancements made in the technology of these devices, these devices have become multi-faceted. They have gone from devices limited to allowing basic communication of calling and messaging, now allow users to indulge in everything from video calling to picture and video messaging, to video conferencing to high speed broadband to touch screens and more. This makes these devices expensive propositions for many people. But with the introduction of new mobile phone deals, a lot of people can now easily invest in the enhanced mobiles of today easily and economically.
There are schemes like the pay as you go, pay monthly, 10 monthly, clearance phones, cash-back offers, contract mobiles and more. All these provide customers with a method by which they can avail of the newest devices out in the market keeping within their allotted budget. Now any person no matter what his earning capacity can afford to spend on the purchase of these gadgets and the services required for utilising them. There are cheap schemes available on both the device and services required.
All these mobile deals offer things like reduced cost prices, discounted tariff rates, free gifts of services, accessories and sometimes even other appliances or the device itself. All this make for very lucrative options for the customer to avail of when looking to invest economically. Since there is great demand for these devices there are consequently many companies to meet the demand. There is intense rivalry among these companies over gathering of the larger populations loyalty and thus increasing business.
That competition leads to the user finding better and better kinds of schemes to avail of. Each of the schemes meets all his requisites. Thus then the customer must compare between these schemes and weigh the best points of each against the others. Only this ensure that the user gains total satisfaction over having chosen the best deal for himself.
Catherine Melough is associated with New Mobile Phone Contracts and Write Articles for Mobile Phones. Get more information on New Mobile Phone Deals, O2 pay monthly deals, Mobile Phone, cheap tariff plan, Mobile Deals, and 12 months free line rental here.

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INSURANCE EARNING

5:15 AM |

Neil Harries 
National Insurance contributions (NICs) are paid to build up a person's entitlement to certain state benefits, including the State Retirement Pension. The amount that an individual is liable to pay depends on their own personal circumstances.
Who pays National Insurance?
National Insurance is payable by all UK individuals aged over 16 that are either employed or self-employed and their earning are above a certain level. If you are an employee and reach the state retirement age you are no longer required to make NICs. Similarly if you are self-employed and reach the state retirement age you immediately are no longer required to make class 2 NICs, and from the tax year following the year you reached the state retirement age you are no longer required to make class 4 contributions.
The various classes of National Insurance contributions are detailed below:
Class 1 - paid by employees, sometimes politicians have referred to this as "an employment tax" or "a tax on Jobs". Two elements to class 1 contributions which are employee's contributions are deducted from an employees pay. Employer's contributions are paid by employers when they pay employees.
Class 2 - this paid by self employed people. It is a flat rate regardless of earning (provided that the self-employed person has earning over a certain level, if earnings are lower than this level then a "small earning exemption" may be applied for). These are normally paid either quarterly via a bill from HMRC or monthly by direct debit.
Class 3 - These are voluntary National Insurance Contributions, in certain circumstances some people may wish to make these. For example, but not limited to, you have not made sufficient contributions in the year or perhaps you are living abroad but want to maintain your potential UK state benefits. It is highly recommended that you speak to an experienced professional prior to making such contributions.
Class 4 - These are payable by self-employed people in addition to Class 2 contributions, if their income is above a certain level. The level of these contributions are dependent on earnings. Class 4 National Insurance contributions are normally payable with income tax calculated on an individual's Self-assessment tax return.
If you have any concerns about your National Insurance payments or record we suggest you contact a suitably qualified and experienced professional such as a Chartered Accountant.
The author does not guarantee the accuracy of any information provided in this article and recommends that you do not take any action, whatsoever, based on the information provided. By the fullest extent permitted by law, the author does not accept any responsibility for any actions you may or may not take based on information contained in this article. This article contains general information and is not a substitute for specific independent professional advice.
Harries Watkins Jones, South Wales Chartered Accountants with offices in Bridgend and Pontypridd.
Accountants Pontypridd
Accountants Pontypridd Blog

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