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	<title>BFMS Accountants and Business Advisors</title>
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	<link>http://www.bfmsltd.co.uk</link>
	<description>Grange over Sands Accountants</description>
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		<title>May 2012 Discounts</title>
		<link>http://www.bfmsltd.co.uk/special-offers/may-2012-discounts/</link>
		<comments>http://www.bfmsltd.co.uk/special-offers/may-2012-discounts/#comments</comments>
		<pubDate>Wed, 25 Apr 2012 13:33:00 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
		
		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?page_id=416</guid>
		<description><![CDATA[If you are thinking of changing accountants, now is the time to do this. Its really easy to do. Just give us a call and arrange an appointment, and we will do the rest. There are no fees for a consultation and our fees are discussed in advance of any work commencing. It is also possible to [...]]]></description>
			<content:encoded><![CDATA[<p><strong>If you are thinking of changing accountants, now is the time to do this. Its really easy to do. Just give us a call and arrange an appointment, and we will do the rest.</strong></p>
<p>There are no fees for a consultation and our fees are discussed in advance of any work commencing. It is also possible to agree your fees in advance and pay this on a monthly standing order.</p>
<p>To encourage those who feel unhappy with their current accountant to make the change, if you book an appointment for the month of May 2012, we will <strong>discount</strong> our usual fee quote by<strong> 20%. </strong>Or if you bring your bill from last year we <strong>gurantee to beat this</strong>! Often it takes an incentive to make a change so why not take advantage of this and see what we can do for you and your business.</p>
<p>Why not visit our <a title="Testimonials" href="http://www.bfmsltd.co.uk/testimonials/">testimonials</a> page and see what others say about us and our services.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
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		<title>Testimonials</title>
		<link>http://www.bfmsltd.co.uk/testimonials/</link>
		<comments>http://www.bfmsltd.co.uk/testimonials/#comments</comments>
		<pubDate>Mon, 23 Apr 2012 10:23:58 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
		
		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?page_id=391</guid>
		<description><![CDATA[BFMS Reviews - here is what some of our clients have said about us L&#8217;Enclume (Michelin Star) Restaurant, Rogan and Company Restaurant, Roganic Restaurant, Aulis RD &#38; The Farm We started using Gemma and Alison at BFMS in 2009. They came highly recommended by our Bank Manager. Since that time we have up to date information provided regulary. [...]]]></description>
			<content:encoded><![CDATA[<h2>BFMS Reviews - here is what some of our clients have said about us</h2>
<p><span style="text-decoration: underline;"><strong>L&#8217;Enclume (Michelin Star) Restaurant, Rogan and Company Restaurant, Roganic Restaurant, Aulis RD &amp; The Farm</strong></span></p>
<blockquote><p>We started using Gemma and Alison at BFMS in 2009. They came highly recommended by our Bank Manager. Since that time we have up to date information provided regulary. They provide a professional service explaining the methods used in laymens terms! We will continue to use the services of BFMS and would have no hesitation in recommending them to potential clients.<br />
<strong><em>Simon Rogan &amp; Penny Tapsell</em></strong></p></blockquote>
<p><span style="text-decoration: underline;"><strong>Quickfire Moderation</strong></span></p>
<blockquote><p>Quickfire Moderation chose BFMS back in 2006 when we started trading. We were looking for really local support for our &#8216;year end&#8217; accounts. Since then BFMS have prepared our accounts each year, plus the personal taxation returns of the Directors. We have been pleased with the results, the ready availability of Gemma and her team, and reasonable charges. We have never considered using anyone else.<br />
<em><strong>Geoff Critchley</strong></em></p></blockquote>
<p><span style="text-decoration: underline;"><strong>Snap On Tools</strong></span></p>
<blockquote><p>I would recommend Gemma, and BFMS accountants to all my friends and do on a regular basis. The team at BFMS accountants are very professional with my accounts and it is always a hassle free process. The team are very friendly and easy to talk to with any help you need with the prep work with your accounts. I will be using BFMS for many years to come.<br />
<strong><em>Tony Hindmarch</em></strong></p></blockquote>
<p><span style="text-decoration: underline;"><strong>Alan Anderson</strong></span></p>
<blockquote><p>I first registered with BFMS in 2005. I am self employed and registered for VAT and they have compiled both my Income Tax and quarterly VAT returns since then. The service they have provided has been, without exception, professional, personable and on time. They are always helpful in dealing with my many questions and queries. My one major dispute with HMRC took several months to resolve but BFMS were diligent in pursuing the claim. I can thoroughly recommend the friendly service that they provide.<br />
<strong><em>Alan Anderson</em></strong></p></blockquote>
<p><span style="text-decoration: underline;"><strong>Haven Cottage Bed &amp; Breakfast </strong></span></p>
<blockquote><p>I heard that you are updating your website and we would like you to know how pleased we&#8217;ve been with your service over the last 4 or 5 years. It has been a pleasure working with you and both you and Alison have never failed to find a solution for our problems small or large. Keeping records has never been my forte and you have taken over all the onerous side of running the business and left us to concentrate on what we do best. Thank you. You&#8217;ve built up a great support system and your contacts have proved invaluable to us. Thank you and may you have continued sucess.<br />
<strong><em>Tim &amp; Lyndsey Hall</em></strong></p></blockquote>
<p><strong><span style="text-decoration: underline;">Davenports Fashion House</span></strong></p>
<blockquote><p>I have been dealing with Gemma and her team for 2 years now and find them all very helpful, easy to deal with and very informative. When you are running a small business it is nice to know there is someone on the end of the line who you can talk to if any problems or questions arise.<br />
<em><strong>Julia Sawford</strong></em></p></blockquote>
<p><span style="text-decoration: underline;"><strong>CNJ Media Events Ltd</strong></span></p>
<blockquote><p>CNJ Media Events Ltd have appointed BFMS as our Accountants since 2006, as an SME company it is great to know that the financial side of the business is looked after, with the complexities of VAT in the print and advertising world, it is reassuring to have a third party scrutinise this important side of my business. Over the period of knowing Gemma and Alison as my Accountants, I have always gone away from their offices in Grange happy that they are taking great care over all financial aspects of my business.<br />
<em><strong>Cliff Dixon</strong></em></p></blockquote>
<p><strong><span style="text-decoration: underline;">The Paragon Gift Shop</span></strong></p>
<blockquote><p>We have been using BFMS accountants for the last four years and have always been given an excellent service. Gemma and Alison are both professional and friendly and attend to any queries quickly and proficiently. The advice given is always specific to our requirements and I feel we have had a very good service. My husband and I would not hesitate in recommending BFMS to any business or company.</p>
<p><strong><em>Jill Wright</em></strong></p>
<p>&nbsp;</p></blockquote>
<p>&nbsp;</p>
]]></content:encoded>
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		<title>Special Offers</title>
		<link>http://www.bfmsltd.co.uk/special-offers/</link>
		<comments>http://www.bfmsltd.co.uk/special-offers/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 14:51:10 +0000</pubDate>
		<dc:creator>Tony</dc:creator>
		
		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?page_id=379</guid>
		<description><![CDATA[We have a number of packages designed for the specific needs of market sectors &#8211; click any link below to access more details Hospitality Industry 30% Discount Package &#160;]]></description>
			<content:encoded><![CDATA[<p>We have a number of packages designed for the specific needs of market sectors &#8211; click any link below to access more details</p>
<p><a title="Special Offers – Hospitality Industry 30% Discount!" href="http://www.bfmsltd.co.uk/special-offers/hospitality-industry-30-discount/">Hospitality Industry 30% Discount Package</a></p>
<p>&nbsp;</p>
]]></content:encoded>
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		<title>Special Offers &#8211; Hospitality Industry 30% Discount!</title>
		<link>http://www.bfmsltd.co.uk/special-offers/hospitality-industry-30-discount/</link>
		<comments>http://www.bfmsltd.co.uk/special-offers/hospitality-industry-30-discount/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 12:21:00 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
		
		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?page_id=367</guid>
		<description><![CDATA[Many Cumbrian businesses employ a part-time bookkeeper to handle the day to day financial affairs (bookkeeping and payroll) and an accountant to handle all year end and tax. But, find that accurate accounts and other financial information are not available throughout the year. If this is you, take a look at our special offer:- We work with [...]]]></description>
			<content:encoded><![CDATA[<p>Many Cumbrian businesses employ a part-time bookkeeper to handle the day to day financial affairs (bookkeeping and payroll) and an accountant to handle all year end and tax. But, find that accurate accounts and other financial information are not available throughout the year. If this is you, take a look at our special offer:-</p>
<p>We work with many bars and restaurants and offer a bespoke packaged service in:-</p>
<ul>
<li>Full Bookkeeping Services</li>
<li>Monthly Management Information</li>
<li>VAT Preparation</li>
<li>Outsourced Payroll Services</li>
<li>TRONC Systems</li>
<li>Cash Flow Forecasting</li>
<li>Budgeting</li>
<li>Access To Finance</li>
<li>Year End Accounts</li>
<li>Tax Returns</li>
</ul>
<p>We are offering a free consultation with no obligation to discuss how we can assist you in all aspects of financial management.</p>
<p>Fees will be quoted in advance, based on your business and requirements and then <strong>fixed for 12 months</strong>.</p>
<p><strong>AND&#8230;.  For the first 12 months we will give you an introductory offer of 30% total discount from the annual cost of fees. So why not give us a call and see what we can do for you.</strong></p>
<p><strong><a href="mailto:gemma@bfmsltd.co.uk">gemma@bfmsltd.co.uk</a>   Gemma Hines FMAAT Managing Director</strong></p>
<p><strong>Tel: 015395 36163</strong></p>
<p><strong>Accountants in Cumbria for restaurants special offers</strong></p>
<p>&nbsp;</p>
]]></content:encoded>
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		<item>
		<title>HMRC Collection and Enforcement</title>
		<link>http://www.bfmsltd.co.uk/hmrc-collection-and-enforcement/</link>
		<comments>http://www.bfmsltd.co.uk/hmrc-collection-and-enforcement/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 10:58:15 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
				<category><![CDATA[Latest News]]></category>
		<category><![CDATA[PAYE]]></category>
		<category><![CDATA[Tax]]></category>

		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?p=364</guid>
		<description><![CDATA[As from 06.04.2012, HMRC will claim fixed costs where County Court action to recover unpaid tax is conducted by HMRC&#8217;s own staff. &#160; Also HMRC will be able to require employers to provide security for non-payment of PAYE tax. &#160; &#160;]]></description>
			<content:encoded><![CDATA[<p>As from 06.04.2012, HMRC will claim fixed costs where County Court action to recover unpaid tax is conducted by HMRC&#8217;s own staff.</p>
<p>&nbsp;</p>
<p>Also HMRC will be able to require employers to provide security for non-payment of PAYE tax.</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
]]></content:encoded>
			<wfw:commentRss>http://www.bfmsltd.co.uk/hmrc-collection-and-enforcement/feed/</wfw:commentRss>
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		<title>Repayment of Directors Loans</title>
		<link>http://www.bfmsltd.co.uk/repayment-of-directors-loans/</link>
		<comments>http://www.bfmsltd.co.uk/repayment-of-directors-loans/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 10:51:31 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
				<category><![CDATA[Latest News]]></category>

		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?p=362</guid>
		<description><![CDATA[If a director borrows money from their LTD Company over an amount of £5,000 tax becomes payable at 25% on the whole amount if, the loan is not repaid within 9 motnhs of the LTD Company financial year end. This tax can be reclaimed once the loan has been repaid for a period of 6 [...]]]></description>
			<content:encoded><![CDATA[<p>If a director borrows money from their LTD Company over an amount of £5,000 tax becomes payable at 25% on the whole amount if, the loan is not repaid within 9 motnhs of the LTD Company financial year end. This tax can be reclaimed once the loan has been repaid for a period of 6 years.</p>
<p>However HMRC have announced that loans repaid after the financial year end 31 March 2011, that the 6 year limit has been reduced to 4 years</p>
<p>&nbsp;</p>
]]></content:encoded>
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		<title>Working Tax Credits 2012</title>
		<link>http://www.bfmsltd.co.uk/working-tax-credits-2012/</link>
		<comments>http://www.bfmsltd.co.uk/working-tax-credits-2012/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 10:11:21 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
				<category><![CDATA[Latest News]]></category>
		<category><![CDATA[PAYE]]></category>
		<category><![CDATA[Rates and Allowances]]></category>

		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?p=350</guid>
		<description><![CDATA[Basic element                        £1,920 Couple and loan parent         £1,950 30 hour element                    £790 Disabled worker                    £2,790 &#160; The list below has been withdrawn 50+ return to work 16 &#8211; 29 hours 30+ hours]]></description>
			<content:encoded><![CDATA[<p>Basic element                        £1,920</p>
<p>Couple and loan parent         £1,950</p>
<p>30 hour element                    £790</p>
<p>Disabled worker                    £2,790</p>
<p>&nbsp;</p>
<p><strong>The list below has been withdrawn</strong></p>
<p>50+ return to work</p>
<p>16 &#8211; 29 hours</p>
<p>30+ hours</p>
]]></content:encoded>
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		<title>Unfair Dismissal Update</title>
		<link>http://www.bfmsltd.co.uk/unfair-dismissal-update/</link>
		<comments>http://www.bfmsltd.co.uk/unfair-dismissal-update/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 09:55:42 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
				<category><![CDATA[Latest News]]></category>
		<category><![CDATA[PAYE]]></category>

		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?p=345</guid>
		<description><![CDATA[With effect from 01.02.2012 the limit on the amount of a weeks&#8217;s pay for the purpose of calculating redundancy payments and the basic award for unfair dismissal increased to £430. The maximum compensatory award for unfair dismissal increased from £68,400 to £72,300. These limits apply for dismissals which take effect on or after 1 February [...]]]></description>
			<content:encoded><![CDATA[<p>With effect from 01.02.2012 the limit on the amount of a weeks&#8217;s pay for the purpose of calculating redundancy payments and the basic award for unfair dismissal increased to £430. The maximum compensatory award for unfair dismissal increased from £68,400 to £72,300. These limits apply for dismissals which take effect on or after 1 February 2012.</p>
<p>&nbsp;</p>
<p>With effect from 06.04.2012 a further change is the increase in the qualifying period for bringing a claim of unfair dismissal before the Employment Tribunal. This has increased to two years. Employees whose period of employment began before 5 April 2012 will still be subject to one year qualifying period.</p>
]]></content:encoded>
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		</item>
		<item>
		<title>Mileage Rates</title>
		<link>http://www.bfmsltd.co.uk/mileage-rates/</link>
		<comments>http://www.bfmsltd.co.uk/mileage-rates/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 09:47:29 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
				<category><![CDATA[Latest News]]></category>
		<category><![CDATA[Rates and Allowances]]></category>

		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?p=338</guid>
		<description><![CDATA[The approved mileage rates for employees and traders who use their own motor car for business purposes is:- &#160; For the first 10,000 miles                        45p per mile Above 10,000 miles                                25p per mile Motor cycles                                           24p per mile]]></description>
			<content:encoded><![CDATA[<p>The approved mileage rates for employees and traders who use their own motor car for business purposes is:-</p>
<p>&nbsp;</p>
<p>For the first 10,000 miles                        45p per mile</p>
<p>Above 10,000 miles                                25p per mile</p>
<p>Motor cycles                                           24p per mile</p>
]]></content:encoded>
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		<title>National Minimum Wages</title>
		<link>http://www.bfmsltd.co.uk/national-minimum-wages/</link>
		<comments>http://www.bfmsltd.co.uk/national-minimum-wages/#comments</comments>
		<pubDate>Wed, 18 Apr 2012 09:43:36 +0000</pubDate>
		<dc:creator>Gemma</dc:creator>
				<category><![CDATA[Latest News]]></category>
		<category><![CDATA[PAYE]]></category>
		<category><![CDATA[Rates and Allowances]]></category>

		<guid isPermaLink="false">http://www.bfmsltd.co.uk/?p=329</guid>
		<description><![CDATA[The current rates are as follows:- Age 21 or more                         £6.08 Age 18 to 20                              £4.98 Age 16 and 17                           £3.68 Apprentices *                             £2.60 &#160; * Aged 18 or under or 19 and over but in the first year of their apprenticeship &#8211; otherwise the development or adult rate applies according to age &#160; As [...]]]></description>
			<content:encoded><![CDATA[<p>The current rates are as follows:-</p>
<p>Age 21 or more                         £6.08</p>
<p>Age 18 to 20                              £4.98</p>
<p>Age 16 and 17                           £3.68</p>
<p>Apprentices *                             £2.60</p>
<p>&nbsp;</p>
<p>* Aged 18 or under or 19 and over but in the first year of their apprenticeship &#8211; otherwise the development or adult rate applies according to age</p>
<p>&nbsp;</p>
<p>As from 01 October 2012 the rates will become:-</p>
<p>Age 21 or more                         £6.19</p>
<p>Age 18 to 20                              £4.98</p>
<p>Age 16 and 17                           £3.68</p>
<p>Apprentices *                             £2.65</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
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