THE MUS/C/ANS`ANSWER/NG SERV/CE

 

The Professionals' Choice

 

 

NEWSLETTER

 

September `97

 

 

 

173 High Street Dorking Surrey RH4 1AD

Diary Seivice.: 01306880669 Accounts: 01306 880404 Fax.: 01306888041

 

 

 

 

 

 

 

SMITHS' DIARY NEWSLETTER

 

September 1997

 

Welcome to the Second Edition of the Diary Newsletter!

Our aim is to make this newsletter cater for your every whim, so don't be shy, give us some feed back and let us know exactly what you think!

 

A big hello to Heidi, who has joined the diary. Heidi completed her music degree in Cardiff, and is a proficient violinist.

 

We would also like to welcome Tania, to the team - we just keep on expanding!

She has a degree in Media and American Studies and also plays the 'cello.

 

 

I'm sure they'll both make an impact!

 

So just to recap, our present staff include Isobel (Manager), Louise, Alison, Anne, Gill, Helen, Celia, Stuart, and Dan.

 

 

TAX UPDATE

 

Self Assessment Statements of Accounts have now been issued detailing the second payment on account in respect of 1996/97, due on 31st July 1997. Any amount of interest payable in respect of tale payment of the first installment will also show on the latest statement of accounts. For late payers, interest will be charged from 31st January 1997 in respect of the second payment on account, and from 31st January 1997 where the First installment is     still

outstanding.

Budget Report Despite intense press speculation, the Chancellor left intact the rules governing higher rate relief for pension contributions. The Budget was an interim Budget and no major changes were announced, with the exception of the payment of tax credits abolished for pension schemes. There were very few specific business changes, the main area being higher Capital Allowances for small and medium size business. A

first year allowance has been introduced for the first time since 1993. The allowance will double the normal rate of writing down allowance and will apply to expenditure incurred by small and medium sized companies and unincorporated businesses carried on by individuals alone or in partnership, during the twelve months ended 1st July 1998. Capital items purchased by the business will attract the higher allowance in the first year.

 

For further information call: Mike Harding, Harding Whiteman, 36 Rose Hill, Sutton, Surrey. SMi 3EU.

Tel: 0181 641 0102 Fax: 0181 641 4002

 

 

 

 

 

 

KEEP YOUR EAR TO THE GROUND WITH A FREE PHONE....

 

Not only can PMC provide you with a tree mobile phone so you can be in constant contact with us (- as if this was not enough), they can also give you Accessory Packs, and Courier Delivery - ABSOLUTELY FREE!!

 

SEE THE ENCLOSED LEAFLETS FOR

MORE INFORMATION ON MOBILE PHONES

­­­­_________________________________________________

 

Don't Forget - If You Would Like Your Career Details Included In Our

C. V. Publication You'll Have To Hurry -

The Deadline Is Soon!!!

 

Financial Tips

 

With some lenders projecting properly price increases of 16% during 1997, end the possible end to negative equity by the end of 1998, there has been a considerable amount of renewed interest in house purchase. Robert Turrell has already seen the re-emergence of 'gazumping' as property prices increase during the conveyenang period. With interest rates still at long term lows, now is an excellent time to lock into a fixed rate mortgage as interest rates are expected to increase during the next few years.

 

   AS A SELF-EMPLOYED MUSICIAN, most lenders will offer you a mortgage equivalent to the average of your last three years' NET income. That is the income you are taxed on. NOT your total fees received. If your accountant is doing what he is paid for, your taxable income wit be very low. However, this causes problems when you need a mortgage.

The greater your deposit, the more options you will have available. There are a great number of lenders, including High Street lenders, including

 

High Street Banks and Budding Societies that can be more flexible and work on affordabity as opposed to a percentage of net income. These mortgages are not scalable direct to the general pubic, but only through applications introduced through professional financial planners. Graeme Blair Financial Planning Ltd, under the direction of Robert Tune&, looks after in excess of 500 musicians, many of whom have had their mortgages placed by Robert.

For further Information call 01732 743092.

Are you are expecting a little person?!?

it is now our policy at MAS to give a little financial aid to our female clients who are about to have a baby. If you are, let us know and we will give you a FREE

QUARTER whilst you get over the trauma, not that three months is really adequate time to recover!!!

 

Have you just left College in the last two years? - If so MAS are offering you:

50% OFF YOUR FIRST YEARS SUBSCRIPTION

FREE PAGER FOR TWO YEARS

FREE ENTRY INTO OUR C.V. REFERENCE MANUAL

FREE ADVICE ON C.V. PRODUCTION

FREE ADVICE ON HOW TO PROMOTE YOUR CAREER

Call Richard Smith or Isobel Collins on 01306 880669 for an info pack!

 

 

 

 

 

 

   Bulletins  

 

Change of Address / Phone Number

Please check with MAS for details.

 

Matthew Coman

Claire Duncan

Duncan Swindells

Jo Marsh

Gordon Mackay

Alan Brown (D.B.)

Nicky Goldsheider

Dave Rix

Emlyn Singleton

Jonathan Bareharn

Chris Terian

Emma Pritchard

 

 

 

From 27th August, Robin Kennard has a new phone number

 

 

 

Other News…..

 

Rupert Ring is back from Norway a

 

Steve Reading as a Music Copyist using Sibelius 7 package. V Contact Steve via MAS

 

Sharon Beale has an 18th Century Cello

7/8ths in size, English - Very fine instrument £10,000

Contact Sharon via MAS

 

Our very own Louise at the diary is selling a Bb & an A Buffet Crompton RC's. c£1,200.

 

There is now a new section on the Client List for Music Copyists. Let us know if you want to be included on the list!

 

Are you too nervous to speak out at an orchestral meeting?

Find it hard to talk to an audience, let alone play to them?

Then contact Brian Sewell - Toastmasters International via MAS,

international Web-site: www.toastrnasters.org.uk

London Athenians Web-site: www.geocities.com/Athens/7287/

 

 

 

Newsletter Editors - Celia Speed & Helen Johnson

M.A.S. 173 High Street, Dorking, Surrey, RH4 1AD