Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: P @ F on May 29, 2020, 09:22:09 pm
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Wow , apply again in Aug and you get 70 % up to a max of £6570 ;D
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Im defo applying again.
Our business is fully back to business on 1st June. However all of our commercial work is still on hold, and i dont see that changing for atleast another 1-2 months. Plus we have lost customers due to some customers losing their jobs etc..
So which ever way you look at it, our business has been affected and still is to an extent. When this is all over, who knows maybe there will be another recession on the way or large tax increases.
If there is money on offer, i'm taking it. You don't know whats on the horizon.
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+1
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Yeah great apply again in August and then when they pull your Tax return and see you’ve been working it won’t look good.
If you have needed the money thus far fair enough but to claim money again if you are able and have been working imo is morally wrong,Jesus don’t you earn a lot of money.
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No I don’t
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I'm breaking my own rule here by speculating.
But surely this time around there will be certain criteria you must meet to be eligible.
The soft lockdown restrictions are gradually being lifted. For example, cleaners are allowed in peoples homes.
Most, if not all tradespeople are back at work.
This additional help is/should be for the self employed who are in businesses that have not been able to operate on any level whatsoever e.g. barbers and hairdressers etc. or a mate of mine and his mrs. He's a chalkboard signwriter for pubs and resturants and she's a childrens entertainer for birthday parties etc. Both have earnt nothing since March and are unlikely to for the forseeable few months.
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That’s fine but you are extending it because it’s supposed to be because the business is suffering,if you’ve been working and will continue to work how will you justify the fact you’ve been earning.
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Oh , and by the way , morality doesn’t exist any more , all these to55ers that got pictured on the beaches today with the whole family are the same to55ers that are refusing to send their kids back to school cos it isn’t safe ??? ??? ???
Wake up Nigel ::)roll
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I would say that if a window cleaner or say landscape gardener were to put a claim in it would be looked into maybe it wouldn’t who knows,the thing is I wouldn’t want that hanging over me for up to 4-5 years thinking that it could do.
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It won’t take a NASA engineer to look through you’re Tax return and see that the turnovers not changed much after the first 6-8 weeks of lockdown,to then apply for more of a grant because the business is suffering and you will be applying and saying that it’s suffering.
How does that look on paper hang on this bloke said he needed help here,but I’ve checked his Tax return and not a lot has changed lol,hang on I’ve looked again and he’s applied again 3 months later 🤣 each to their own if I was working in the Tax office I’d have a field day looking at all those computers showing me the doors to knock.
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Why wouldn’t they want to send those kids back to school some of the people I’ve been speaking to are ready to give their kids this Virus 🦠 🤣🤣🤣
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If you're down, claim. I'm down.
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Currently, Im not planning on claiming this next one. We have until August before the claim is made. I’ll review the situation then.
For once I agree wtih NWH.
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First of all just because someone has "carried on working" doesn't mean there earnings are the same. Yes there are lots of you on here who have made it clear your turnover hasn't been affected at all, infact you have gained customers.
Some of us though have had turnover affected. My turnover is down by 40% at present, and even when fully operational it will still be down by 10-15% minimum, which will then require investment of time or money in order to get more work in to replace that affected by covid situation.
That means i am losing money, regardless of how little or big the amount is.
That is enough of a reason for me to claim without feeling guilty or like i am morally doing something wrong. People have done far worse things in this life and get away with it every single day.
My conscience is clear on this.
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Rishi?
It was introduced by the European Commission.
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I hope whoever claims this time round gets investigated from HMRC . This money should go to the self employed who can’t work at all , like the hair and beauty industry. Not window cleaners who can work and things are on hold or have lost a couple of jobs. I bet even with these lost jobs , your still doing a hell of a lot better financially than other self employed who are not allowed to work until July! Absolute disgrace and some of you don’t pay tax on ALL your earnings and now you think you deserve the pay out.
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Yeah great apply again in August and then when they pull your Tax return and see you’ve been working it won’t look good.
If you have needed the money thus far fair enough but to claim money again if you are able and have been working imo is morally wrong,Jesus don’t you earn a lot of money.
I totally agree. We 'declared' that our business has been adversely affected by Corona virus. ATM I'm working my backside off trying to clean all my residential customer's houses. My turnover will be about the same this next quarter without the commercial customers we have lost.
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One of my customers died of the virus, that’s £18 every month down the pan.
Therefore it’s affected me.
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What about the furloughed people with second jobs now working alongside supermarket workers and taking their overtime?
No morals for them.
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Upon reflection this morning I have decided to take a look at my past 3 years turnover figures for Mar/Apr/May against this years Mar/Apr/May , I have a feeling that the first payout may well have covered my losses so far , and maybe even for the next 3 months that the second round of SEISS will cover .
I am definitely down for sure pre payout , but I will do the same for Jun/July/Aug and make a decision on whether to claim again or not .
Let’s not forget that worse may be to come yet regarding people’s employment status as the lockdown is lifted and employers weigh up how to run things for less in future.
We could well be needing this second payout and not know it yet !
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I’ve always wondered Rich, why you painted your van pink all those years ago?
Was it because you wanted a ‘camper’ van?
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I’ve always wondered Rich, why you painted your van pink all those years ago?
Was it because you wanted a camper van?
No , it was more of a marketing ploy really, it did work to a degree, residential came flying in but commercial kind of dried up ;D
I am glad really as my situation now could have been a lot worse !
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Everyone will of been affected by this situation. Just some people are going to understand eventually what "adversley" means ;D
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Everyone will of been affected by this situation. Just some people are going to understand eventually what "adversley" means ;D
And some will understand how to spell it.
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What does it mean in your eyes ?
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What about the furloughed people with second jobs now working alongside supermarket workers and taking their overtime?
No morals for them.
Ok , a lot of them are minimum wage jobs which are only getting 80% of their wage. Do you know how much minimum wage jobs earn a week?
Around £300 a week (£240 a week @ 80%).
Obvs 50% of that for part time. Some people have got fed up of sitting at home (which I don’t blame them). .... imo
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I took a month out and earned around £194 with customers still paying. Not claimed a penny. This month I have struggled to keep up with the jobs , 1st cleans. Starting earlier , finishing later , working Saturdays. Iv certainly had a record month this month.
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Gutted I can't get it being Ltd but I absolutely would take it if I could.
There's going to be big tax hikes for all following this so if you can't beat em join em imo.
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Gutted I can't get it being Ltd but I absolutely would take it if I could.
There's going to be big tax hikes for all following this so if you can't beat em join em imo.
And that’s exactly the way these thickos are thinking about Cummings . If he can go out then I can , absolutely thick. All these businesses on here turning over x amount of turnover and yet haven’t got 2 pennies to rub together it’s laughable. You’d be better off working in tescos
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Everyone will of been affected by this situation. Just some people are going to understand eventually what "adversley" means ;D
And some will understand how to spell it.
Don't need to spell it mate. Just need to be able to read it and tick the box.
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The first payment has more than covered any shortfall for me, as a result I won’t be making a second claim.
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What some people don’t understand is that this tax hike when and if it happens , will be based on how much the government have paid out on these grants.
Zero people apply for the grant then it will have a positive effect on the tax hike . 1000’s of people who didn’t need it but applied for it to get extra cash that they did not need, then it’ll have a negative effect and huge tax hike. Don’t encourage people to take this 2nd grant that are working. The people that need it are not window cleaners
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The thing is I don’t turn over a huge amount due to health reasons , I reckon I go out for 3 to 4 hours a day and even then I’m shot to bits , if we are talking money then I have no problem in saying that I earn in between 80 and 120 a day .
I’m just glad that I have never proclaimed to be a big hitter ;D
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As has been said above by NWH , the taxman will see right away who shouldn’t have claimed it , the only people who might go under the radar are the cash only guys and book cookers.
That is why you should look long and hard before making the choice to claim a second lot , I shall be doing some maths today and again in Aug before I make my choice !
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Can't claim until August so it's probably best to wait till then before making a decision rather than guessing what shape you'd business is going to be in. Already 3 of the top scientists have come out against the speed we're leaving lock down, the Sage committee reckoned on 1000 new cases a day by now, we have 8000 plus so who knows what's round the corner, we could be heading for a full on European type lock down for all we know,im taking life a day at a time.
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This money is being given to you if you need it because you’ve lost money or you feel you will be affected by this,it’s based on your turnover so you or you’re accountant has already sat down and worked that out I take it.
The figures are there and will be for years to come fast forward to the next hand out when again you are declaring you’ve been affected not might be affected by this crisis,forget the first payout this next one is the one you need to sit and think will my records show I needed it.
You can’t say I’ll claim the money because who knows what might happen at the end of the year it’s not for that it’s to cover lost earnings to keep a roof over your head and help to continue to pay bills,I’ve heard it on good authority forget the first claim but you need to decide what the accounts will look like if you decide to claim again.
When they get on top of this they will try to see who’s milked this,the inland revenue don’t ask for the money back they demand it back.
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Can't claim until August so it's probably best to wait till then before making a decision rather than guessing what shape you'd business is going to be in. Already 3 of the top scientists have come out against the speed we're leaving lock down, the Sage committee reckoned on 1000 new cases a day by now, we have 8000 plus so who knows what's round the corner, we could be heading for a full on European type lock down for all we know,im taking life a day at a time.
Correct.
The first one hasn't expired yet and folk are already looking at the second. How do you know that you've been adversely affected yet? It's for June, July and August ::)roll.
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Can't claim until August so it's probably best to wait till then before making a decision rather than guessing what shape you'd business is going to be in. Already 3 of the top scientists have come out against the speed we're leaving lock down, the Sage committee reckoned on 1000 new cases a day by now, we have 8000 plus so who knows what's round the corner, we could be heading for a full on European type lock down for all we know,im taking life a day at a time.
Correct.
The first one hasn't expired yet and folk are already looking at the second. How do you know that you've been adversely affected yet? It's for June, July and August ::)roll.
Are the pubs/hotels/shops etc opening on Monday? No. Are they all going to be opening at all in June? No.
Theres several hundred pounds of my turnover gone for that period. I know that I will be affected in that period.
Great for all the businesses that are primarily domestic window cleaners and have not been affected so far, but people need to stop talking in generalisations about all window cleaners being out of order for taking grants that are specifically designed to help them. This is literally a case of 'mind your own business' because everyones is different.
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Dentist gave me 6 months notice not to clean the practice or his house. I can't see a problem with taking another 3 months support.
There has been no condition or qualification of "need" it's a grant to help out if you have been "adversely affected" that's it.
Thousands of small businesses go bust every year, thousands more have troughs and peaks in income there is no way they are going to police the grants.
If you take it you will pay more tax and N.I. on the income for this tax year.
I am near retirement age and dropping a load of work, 3 storey stuff and the hard jobs, this will boost my income but I expect overall income will work out just the same and it will make my life easier.
I live in a cul - de - sac and out of the 10 households 1 is retired, out of the other 9 households there are only 3 who have someone who actually goes out to work!
Next door couple in their twenties living in a similar house to ours, 19 Reg car on the drive, no arthritis or pains yet I am the one working to keep them while they are still in bed when we come home for lunch, they haven't done a day's work since they moved in.
If they can get an easy life why can't I get a bit too?
Worst case is you will pay approx. 29% of the grant back that leaves 71% free money why not?
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I live in a cul - de - sac and out of the 10 households 1 is retired, out of the other 9 households there are only 3 who have someone who actually goes out to work!
Next door couple in their twenties living in a similar house to ours, 19 Reg car on the drive, no arthritis or pains yet I am the one working to keep them while they are still in bed when we come home for lunch, they haven't done a day's work since they moved in.
If they can get an easy life why can't I get a bit too?
If you have been adversely effected then take the grant. Don’t justify it by comparing yourself to a family of spongers though, as that makes you just the same as them.
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Free money lol get real this money people are getting is in no way free and the coming years you will see that when you have to pay it back for the rest of your life,why not means get a second mortgage why not means go out and get that new car why not means have that holiday,it also means debt you’ll be paying tomorrow what you’ve had today only it won’t just be tomorrow.
Free money is a lottery win if it’s inheritance you’ve paid for it in the loss of someone,no such thing as like you say free money.
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If you take money you don’t need you are contributing to the overall debt,some people call it greed some people say you should go out and work and don’t keep accepting hand outs when you don’t need it.
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Wow , apply again in Aug and you get 70 % up to a max of £6570 ;D
WOW!some of you will be able to afford a decent professional hot water system at this rate! :o :o ;D ;D ;D ;D
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I don’t know about buying a hot water system they want to get some better work first if they can’t keep going for a few months during this time without constantly claiming,still a lot of 1 o’clock window cleaners out there.
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I’m more of a 10 to 2 dude ;D
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How are those hot systems going
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Gutted I can't get it being Ltd but I absolutely would take it if I could.
There's going to be big tax hikes for all following this so if you can't beat em join em imo.
And that’s exactly the way these thickos are thinking about Cummings . If he can go out then I can , absolutely thick. All these businesses on here turning over x amount of turnover and yet haven’t got 2 pennies to rub together it’s laughable. You’d be better off working in tescos
I'd say the number of people that could go 8 weeks with no income in this country without going into debt would be single figures percentage wise.
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Wow , apply again in Aug and you get 70 % up to a max of £6570 ;D
WOW!some of you will be able to afford a decent professional hot water system at this rate! :o :o ;D ;D ;D ;D
Even our own houses!!!
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Haven’t read most of the thread, but I will only take it if I’m still down on my commercial work.
If I get all my work back between now and then, I won’t take it.
If I’m still down on regular work, then I will.
Who knows. We’ve got a while yet.
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The next claim I reckon will be looked into I would tread carefully if you’ve been working and earning anywhere near what you usually would be,its not a free for all to just keep getting free money 🤣🤣
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NWH, as far as I'm aware the SEISS is already budgeted by the government for all self employed to take. Whether or not everyone takes it or not, it's such a minor drop in the pond of national borrowing where all of us will be paying for years to come so it really doesn't matter whether you take it or not.
Unless there's some sort of vaccine, we'll be in this situation for years to come. And the extent of the recession our children and grandchildren will be suffering from.
The HMRC will not be asking the first one back as long as you pay your tax and NI on it as they've already said. It's not free money, that's silly to say.
If they would of said, you can claim what you've lost, great, we'll work it all out, but you can't claim for that. It's either all or nothing. You also have no idea about the future or how much potential work you've lost. There's no way to tell, only at the end of all this.
In which case we'll have to be the judge of that for these months but also years to come. Especially when furlough end, the UK will see the true scale of what we're in. This is not 2009.
So is it immoral to take the grant, the first one or the second? For most if not all of us, of course not, that's preposterous. We have all been adversely affected. We'll lose a lot more in the years to come but only at the end will we truly know.
Also the amount of COVID idiots out there that are taking us straight into another lockdown is unbelievable. It's like nothing has happened, go out in the streets, roads and car parks in town and country. Taking the grant is more like self protection against them isn't it. You only have to look at your neighbours or your road to understand what I mean.
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Can't claim until August so it's probably best to wait till then before making a decision rather than guessing what shape you'd business is going to be in. Already 3 of the top scientists have come out against the speed we're leaving lock down, the Sage committee reckoned on 1000 new cases a day by now, we have 8000 plus so who knows what's round the corner, we could be heading for a full on European type lock down for all we know,im taking life a day at a time.
Correct.
The first one hasn't expired yet and folk are already looking at the second. How do you know that you've been adversely affected yet? It's for June, July and August ::)roll.
Are the pubs/hotels/shops etc opening on Monday? No. Are they all going to be opening at all in June? No.
Theres several hundred pounds of my turnover gone for that period. I know that I will be affected in that period.
Great for all the businesses that are primarily domestic window cleaners and have not been affected so far, but people need to stop talking in generalisations about all window cleaners being out of order for taking grants that are specifically designed to help them. This is literally a case of 'mind your own business' because everyones is different.
It doesn't change the fact that you can only claim in August. I also realise that it's a self employed grant and not a window cleaning one.
Who knows where we'll be in August or even the conditions of the extension?
I understand your position and you might be out of pocket until August but that's they way it is. We're still getting paid.
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You had to apply for the first but that was a formality 80% across 3 years accounts would give you the amount you’d receive,this second grant regardless of what people think will be more scrutinised unless you cut hair for a living.
It won’t be difficult for them to know who’s file to pull because as soon as they see a business such as window cleaning or many other outdoor trades it’ll narrow it down somewhat don’t you think.
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You had to apply for the first but that was a formality 80% across 3 years accounts would give you the amount you’d receive,this second grant regardless of what people think will be more scrutinised unless you cut hair for a living.
It won’t be difficult for them to know who’s file to pull because as soon as they see a business such as window cleaning or many other outdoor trades it’ll narrow it down somewhat don’t you think.
They could easily ask for turn over figures in quarters on the next income tax return instead of a lump sum.
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I can see it now ....tax man : were you adversely affected during the 3 months after the first payment?
Window cleaner : yes .... I thought I might lose Mrs smith from number 10 spank street later in the year, and I might have lost business in the future.
Tax man: ...... ...... Your books show you were doing pretty good. so you weren’t affected . Il have that money back thank you very much.
Window cleaner : ..... oh , I spent the money on a massive leaflet drop , hot water system and a new van 😢
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I can see it now ....tax man : were you adversely affected during the 3 months after the first payment?
Window cleaner : yes .... I thought I might lose Mrs smith from number 10 spank street later in the year, and I might have lost business in the future.
Tax man: ...... ...... Your books show you were doing pretty good. so you weren’t affected . Il have that money back thank you very much.
Window cleaner : ..... oh , I spent the money on a massive leaflet drop , hot water system and a new van
Are you talking about the second grant or the first one?
The first one the government has already said they will not ask it back. And if you ve been a good boy you've put the tax aside already in a savings account for 2020/2021 and if you haven't used it all to cover work lost you'd be wise to put it in a savings account for a rainy day.
Whether or not you should accept the grant was summed up quite nicely to an accountant I spoke to:
"They're offering you a cigar out of your own box, I'd take the grant"
He's got a point.
And when the UK government can't borrow any more more as investors are turning them down the next lockdown, there won't be a second opportunity to change your mind. I'll be very happy then to have a few extra grand that I received in an emergency fund.
271,222 have been known to be infected on a population of 66 million. You don't need to be a mathematician to see that unless we get a vaccin we will be in this for a very, very long time. Herd immunity starts at 35mil infected.
Brace yourself is all I can say.
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Forget the first grant that was more or less a gift to people as they know the vast majority of self employed people would be effected,I shouldn’t say gift really more of a safeguard against not being able to work.
At 1 point I was near enough the only person manually working in certain areas all I’m saying is later down the line your return will say grant received,forget the 1st one it will also say August grant received again X amount that coupled with the fact you’ve been earning more or less the same it won’t look good on paper in fact in my eyes it would look fraudulent.
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It’s not supposed to be an emergency fund for you either it’s supposed to be money that you’ll need to get you through this process of not being able to work lol,so you in effect especially after August should be able to carry on working.
If you are a hairdresser or in a business that can’t trade until October you have every right to apply again,all I’m saying is you may end up at some point with a black marker against your name and having to pay it back along with your Tax bill on top because the figures showed you never needed it in the first place.
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You jealous or something Nigel? Sounds to me like you've been cooking your books for the last 3 years and are reaping what you sown🤣🤣
You're so overly concerned what others are claiming it sounds like bitter envy!😄
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Anyone here get child health benefit? I don't need it for my kids health, but I'm entitled to it, so I accept it. Anyone use the NHS that could afford private Healthcare? I do, because I'm entitled to it. Hopefully when I'm of pension age, I won't need a state pension, free bus pass, free TV licence or winter heating payment, but I will accept them like all the other pensioners without any pangs of conscience that other pensioners are less well off than me.
2 of my biggest three customers will not likely feature for me this year, so if I am entitled to the grant due to my business being adversely affected, I will accept it. There will be no action from HMRC that I will be in the least bothered about.
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I can see it now ....tax man : were you adversely affected during the 3 months after the first payment?
Window cleaner : yes .... I thought I might lose Mrs smith from number 10 spank street later in the year, and I might have lost business in the future.
Tax man: ...... ...... Your books show you were doing pretty good. so you weren’t affected . Il have that money back thank you very much.
Window cleaner : ..... oh , I spent the money on a massive leaflet drop , hot water system and a new van 😢
If that were true then of course it would go in the expense column of your accounts and thus reduce earnings for the year. :D
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Well this is my view.
I'll see how things are in August.
At present I have lost about £750 per month in commercial work and a bit of domestic. Of that a glorious £25 has asked me to restart in June.
I hope most of the rest will ask me to restart in June/July or August but who knows whether they will still be in business? I'm hopeful but not at all sure.
So at the moment with the SEISS grant i am up on the deal and still would be in August. But if that work "never" comes back then i have lost it for September through next March and of course beyond. So let's say i have lost 12 x £750 - that = £9,000 over the year arguably down to Covid.
I don't envisage it being that bad. But who knows. If the economy tanks out then I might find myself losing more domestics.
I'll think about it in August but I'm minded to take the grant unless I am back to "normal" turnover by August.
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You jealous or something Nigel? Sounds to me like you've been cooking your books for the last 3 years and are reaping what you sown🤣🤣
You're so overly concerned what others are claiming it sounds like bitter envy!😄
No m8 it doesn’t take me long to go out and earn 6-7 grand.
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I’m not eligible for any grant due to being paid by a limited company, however:-
NWH assuming that everybody is a sponger for accepting this grant is a bit short sighted, but yeh he’s probably never declared any income anyway, certainly not the £500/day he claims.
I lost around £5k in income in April and May and I think I’ll be down around £800 Month in June and July, August who knows? Would I claim this if I could, of course I would, I’ve been adversely effected, as have many on here.
Let’s stop assuming that we are all in the same situation, we are not.
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You jealous or something Nigel? Sounds to me like you've been cooking your books for the last 3 years and are reaping what you sown🤣🤣
You're so overly concerned what others are claiming it sounds like bitter envy!😄
No m8 it doesn’t take me long to go out and earn 6-7 grand.
So you keep reminding us, although you couldn't afford to take a day off in a global pandemic!!
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You lost 5k in April and May did you blimey,I did over that In both months coz I went out working m8 🤣🤣🤣.
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You lost 5k in April and May did you blimey,I did over that In both months coz I went out working m8 🤣🤣🤣.
Can you not read? I worked every single day during the ‘lockdown’, I didn’t stop. I had around £2k/month of commercial on hold which meant I was out of pocket by that amount.
I declare and pay tax on my income too, do you?
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I didn’t take many days off no only in the very beginning what for never saw a soul,people are starting to realise what I’m saying it’s not free money do you honestly think they are just going to keep paying you out because you say you’ve lost business.
Believe it or not you’ll have to prove at some point you haven’t been working or earning during this time,if you get a lot of cash work then you’ll be fine but then what would be the point in putting a claim in for next to nothing.
If you have all customers on Gocardless they pay straight into the bank so that’ll show,there’s a lot that will just take a chance and they may be fine but if it ever gets looked into make sure you’ve got what they give you put by coz it’ll be going straight back to em.
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You lost 5k in April and May did you blimey,I did over that In both months coz I went out working m8 🤣🤣🤣.
Can you not read? I worked every single day during the ‘lockdown’, I didn’t stop. I had around £2k/month of commercial on hold which meant I was out of pocket by that amount.
Oh I see no sorry didn’t read that right. 👍
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Did you take the offer of the first grant NWH?
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Lockdown my arse 🤣🤣 lockdown for the lazy ones more like.
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Did you take the offer of the first grant NWH?
🤣🤣🤣 I’ve had to keep working m8 I’m skint.
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They took my 3 years into account and gave me a 1000 🤣🤣🤣🤣🤣
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I bet nearly all the ones thinking of dipping into the treasures wallet haven’t got an accountant 🤣,a decent one of them would not advise you to do it.
Alright some of you lot filling the old tax return in online it’s very tempting to say this and that,if you get a pull better to go to the Tax office with a bit of help sitting beside you.
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It seems to me that everyone on here fully understands the SEISS apart from NWH!🙄😄
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I tell you what Peavey when the next batch of grants go out they will be looking into them at some point that’s a given maybe not early next year maybe not half way through next year but it’ll happen,when they do and the computers algorithm picks em up they may get a letter.
Don’t forget it’s not a bloke looking over you’re tax return these days it’s computer program,it knows who pays you and if you have a cheque or payment that goes somewhere else from this person ie another account etc made out to you it knows.
It tracks all the names that pay you roughly how often if that stops or starts again it knows,all you’re transactions and spending habits are tracked.
There is a way round it stop spending any money from where you bank and get nothing paid into any other bank 🤣🤣🤣.
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If you put in for another grant your spending habits would have to drastically change from now till August and thereafter if you can manage that go for it.
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If you put in for another grant your spending habits would have to drastically change from now till August and thereafter if you can manage that go for it.
Some businesses won't reopen in June.
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Wow , apply again in Aug and you get 70 % up to a max of £6570 ;D
WOW!some of you will be able to afford a decent professional hot water system at this rate! :o :o ;D ;D ;D ;D
Money can be much better spent!!!!
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NWH you make me laugh. ;D
Seriously though........ did you accept the first grant?
Is it just the second grant you are against?
Trying to get my head around your viewpoint here to be honest.
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I can see it now ....tax man : were you adversely affected during the 3 months after the first payment?
Window cleaner : yes .... I thought I might lose Mrs smith from number 10 spank street later in the year, and I might have lost business in the future.
Tax man: ...... ...... Your books show you were doing pretty good. so you weren’t affected . Il have that money back thank you very much.
Window cleaner : ..... oh , I spent the money on a massive leaflet drop , hot water system and a new van 😢
If that were true then of course it would go in the expense column of your accounts and thus reduce earnings for the year. :D
Exactly! It was money not needed but claimed anyway
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That’s the thing this money is supposed to help you get through this crisis and window cleaners are spending it on hot water systems and poles 🤣🤣,they are also putting down against Tax nothing wrong with that on the first grant they couldn’t work supposedly but it was fine if they could fair enough.
Let’s go to the second grant totally different ball game here if you apply yet again,you’ve done the above but in August you are saying you are still struggling,if that doesn’t look dodgy water at 200 ppm is fine to clean with 🤣🤣🤣🤣
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Guess you don’t want to answer my question NWH? :'(
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🤣🤣 I got 80% of my earnings they paid 500 into my account 🤣🤣
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When all this calms down and the civil servants have more time on their hands they’ll be checking all the files that the algorithms have found 🤣,keep that second grant in the bank for when it has to go back eh 😉.
This bloke got 1000s yet he went out and got a new van or he went on a 12-15grand holiday 🤣🤣 he deserved his grant,some people think the Tax mans daft.
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You why they’ve been going on about bounce back loans so much don’t you,it’s coz it’ll be bouncing straight back to em 🤣🤣
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When all this calms down and the civil servants have more time on their hands they’ll be checking all the files that the algorithms have found 🤣,keep that second grant in the bank for when it has to go back eh 😉.
This bloke got 1000s yet he went out and got a new van or he went on a 12-15grand holiday 🤣🤣 he deserved his grant,some people think the Tax mans daft.
It’s a pity this site doesn’t use algorithms to detect inaccuracies. I’m sure you would feature quite regularly🤣🤣
Mind you there is really no need for such a facility, a quick search on your profile does the trick 💩🤣
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Simples NWH
You stop work in Aug. Take three weeks holiday, sit on your arse like the millions of furloughed workers. Take the grant and Bob’s your Uncle.
You don’t seem very bright.
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When all this calms down and the civil servants have more time on their hands they’ll be checking all the files that the algorithms have found 🤣,keep that second grant in the bank for when it has to go back eh 😉.
This bloke got 1000s yet he went out and got a new van or he went on a 12-15grand holiday 🤣🤣 he deserved his grant,some people think the Tax mans daft.
It’s a pity this site doesn’t use algorithms to detect inaccuracies. I’m sure you would feature quite regularly🤣🤣
Mind you there is really no need for such a facility, a quick search on your profile does the trick 💩🤣
"Inaccuracies", I admire your diplomacy. Flaws in my character would have had myself using terms I would most probably regret after the event!!😁
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Somebody posted a screenshot on Facebook of the government requirement that claimants keep evidence of business loss. It mentioned bank statements to evidence the loss of income. It doesn’t apply to me, but it looks like the criteria is different? Worth investigating before claiming anyway.
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I reckon there could be different criteria required to qualify for the second grant?
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🤣🤣 I got 80% of my earnings they paid 500 into my account 🤣🤣
You still haven’t answered it, you are making a joke to deflect from the actual answer, so I will assume that you did claim even though you carried on working and now you are slating those who are going to claim again.
Am I right?
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🤣🤣 I got 80% of my earnings they paid 500 into my account 🤣🤣
You still haven’t answered it, you are making a joke to deflect from the actual answer, so I will assume that you did claim even though you carried on working and now you are slating those who are going to claim again.
Am I right?
Of course he claimed, he just feels a bit of a K n o b for not having a wee paid holiday!😄
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I reckon there could be different criteria required to qualify for the second grant?
👍
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I’ve been using my time knocking on people’s doors recruiting for the cult 👍👍
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I’ve been using my time knocking on people’s doors recruiting for the cult 👍👍
If they need a drummer give Daz a shout.
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''You should also keep any evidence that your business has been adversely affected by coronavirus such as:
dates you were unable to work due to coronavirus symptoms, shielding or caring responsibilities due to school closures''
Dear Sirs ,
My income increased during the virus because of all the extra fascias and conservatory cleans I had to do. It was great. However, I was adversely affected by virus symptoms for a few days. I had a terrible cough and shielded for a week. Please can I have the second instalment?
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I’ve been using my time knocking on people’s doors recruiting for the cult 👍👍
Your time would've been better spent declaring you were a complete K n o b!!😁👍👍
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Well this is my view.
I'll see how things are in August.
At present I have lost about £750 per month in commercial work and a bit of domestic. Of that a glorious £25 has asked me to restart in June.
I hope most of the rest will ask me to restart in June/July or August but who knows whether they will still be in business? I'm hopeful but not at all sure.
So at the moment with the SEISS grant i am up on the deal and still would be in August. But if that work "never" comes back then i have lost it for September through next March and of course beyond. So let's say i have lost 12 x £750 - that = £9,000 over the year arguably down to Covid.
I don't envisage it being that bad. But who knows. If the economy tanks out then I might find myself losing more domestics.
I'll think about it in August but I'm minded to take the grant unless I am back to "normal" turnover by August.
Wow....I'm sorry to here that malc.....👎......that's a large chunk of money to be missing out on per month....I dont blame you for claiming for both grants...I would if I'd been affected to that extent...
I would say your situation is in the 'being adversely effected' category without a shadow of a doubt....
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''You should also keep any evidence that your business has been adversely affected by coronavirus such as:
dates you were unable to work due to coronavirus symptoms, shielding or caring responsibilities due to school closures''
Dear Sirs ,
My income increased during the virus because of all the extra fascias and conservatory cleans I had to do. It was great. However, I was adversely affected by virus symptoms for a few days. I had a terrible cough and shielded for a week. Please can I have the second instalment?
If they are a week down in turnover I’d say the claim was justified. Might easily be £1,500 revenue for some.
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''You should also keep any evidence that your business has been adversely affected by coronavirus such as:
dates you were unable to work due to coronavirus symptoms, shielding or caring responsibilities due to school closures''
Dear Sirs ,
My income increased during the virus because of all the extra fascias and conservatory cleans I had to do. It was great. However, I was adversely affected by virus symptoms for a few days. I had a terrible cough and shielded for a week. Please can I have the second instalment?
If they are a week down in turnover I’d say the claim was justified. Might easily be £1,500 revenue for some.
But if a one man band with little overheads was making that kind of money week in week out their profit would more than likely be over 50k which would make them ineligible for the grant.
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''You should also keep any evidence that your business has been adversely affected by coronavirus such as:
dates you were unable to work due to coronavirus symptoms, shielding or caring responsibilities due to school closures''
Dear Sirs ,
My income increased during the virus because of all the extra fascias and conservatory cleans I had to do. It was great. However, I was adversely affected by virus symptoms for a few days. I had a terrible cough and shielded for a week. Please can I have the second instalment?
If they are a week down in turnover I’d say the claim was justified. Might easily be £1,500 revenue for some.
But if a one man band with little overheads was making that kind of money week in week out their profit would more than likely be over 50k which would make them ineligible for the grant.
Perhaps. But they would still be down. I just plucked the figure out of the air though.
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I'm really surprised.....I thought I'd be affected in some way.....I'm 90% domestic/10% commercial.....
I have one £50 monthly commercial on hold for now...and 2 cancellations and 4 lost due to death/moving.....that's it.....I've replaced this work with new jobs picked up though over the last 2 months so earnings haven't been affected....
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I'm really surprised.....I thought I'd be affected in some way.....I'm 90% domestic/10% commercial.....
I have one £50 monthly commercial on hold for now...and 2 cancellations and 4 lost due to death/moving.....that's it.....I've replaced this work with new jobs picked up though over the last 2 months so earnings haven't been affected....
I don’t know why you’re suprised then Daz?
If you’re only 10% commercial, then it’s not really a suprise!
;D
I’m more like 40% commercial, so I wasn’t suprised to see my income drop.
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Dazmond, ''I have one £50 monthly commercial on hold for now...and 2 cancellations ''
So you've been ''adversely affected''.
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Dazmond, ''I have one £50 monthly commercial on hold for now...and 2 cancellations ''
So you've been ''adversely affected''.
Yeah daz , your commercial is a good couple of £100 over the year . Why didn’t you claim £7500?? ::)roll
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I’ve been adversely affected I’ve had a 50 quider put me off but I’ve got another dozen 75 quiders up the road 🤣🤣 I don’t think it works like that somehow,it’s what’s gone in the old bank over the period I think is what counts eh.
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Dazmond, ''I have one £50 monthly commercial on hold for now...and 2 cancellations ''
So you've been ''adversely affected''.
Your having a laugh arent you?I've replaced them jobs straight away with new jobs so no drop in income.....even if I didn't replace them losing out on £70 or £80 a month is a drop in the ocean.....It wouldnt affect me one bit......certainly not 'adversely'....
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To know whether or not you’ve had a huge drop in income in this job wouldn’t be known in months unless you are either fully commercial have a round of domestic customers that work for McLaren-Rolls Royce or Virgin,they ain’t daft the government window cleaners won’t see drastic changes until very end of the year that’s why they haven’t said you can claim that second grant up until next April when they know the vast majority would have reason on paper to claim lol.
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I’ve got a cough booked already for August.
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''You should also keep any evidence that your business has been adversely affected by coronavirus such as:
dates you were unable to work due to coronavirus symptoms, shielding or caring responsibilities due to school closures''
Dear Sirs ,
My income increased during the virus because of all the extra fascias and conservatory cleans I had to do. It was great. However, I was adversely affected by virus symptoms for a few days. I had a terrible cough and shielded for a week. Please can I have the second instalment?
If they are a week down in turnover I’d say the claim was justified. Might easily be £1,500 revenue for some.
Won't be you (nor me ) deciding it though. I'd expect a few follow up calls for a lot of us, its simple to do as they have our contact details. Then we'll find out exactly what constitutes the difference between being "adversley affected" and losing a few jobs. They never asked simple "where we affected" , as they already know the answer to that.
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my missus has been adversely affected........her shops been shut since the 24th march(10 weeks on tuesday)...she managed to fit a few blinds and curtains last week but cant do anything now until shes allowed to open back up hopefully on the 15th june...so shes earned around £300 in 10 weeks,she did get some grant money and she ll be claiming the second grant money no doubt......its very frustrating when shes worked hard to build a business up and to see it vanish overnight before her eyes...shes also had to pay a portion of the rent every week for 10 weeks which is still well over a grand and itll go up to full rent from the first week shes back......no way will her business go back to normal from the first week...personally i think she ll struggle for a few months but we ll see in time.......
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I’ve got a cough booked already for August.
yep me too, a nice month off, the second grant will pay for a nice holiday ;D
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I reckon there could be different criteria required to qualify for the second grant?
Maybe not! Got an email from my accountant this morning, the qualifying criteria will be unchanged from the first grant.
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It amazes me how people on here have already made their mind up one way or another about a grant you can't apply for till August that covers the next three months to come. I hope for your sakes your reading the tea leaves and havnt forked out on a crystal ball because their not tax deductable. Think I'll just wait till August and make a decision based on facts rather than fortune telling.
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From Gov.uk.
''Your business could be adversely affected by coronavirus if, for example:
you’re unable to work because you:
are shielding
are self-isolating
are on sick leave because of coronavirus
have caring responsibilities because of coronavirus
you’ve had to scale down or temporarily stop trading because:
your supply chain has been interrupted
you have fewer or no customers or clients
your staff are unable to come in to work''
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I will be claiming the 2nd grant, the money will stay in my account and if I get inspected and they want the money back they can have it.
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I will be claiming the 2nd grant, the money will stay in my account and if I get inspected and they want the money back they can have it.
And if they don't?
Will you be adversely affected by the end of August?
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I will be claiming the 2nd grant, the money will stay in my account and if I get inspected and they want the money back they can have it.
And if they don't?
Will you be adversely affected by the end of August?
More than likely just like the rest of us....
When furlough ends and all the jobs are lost ???
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I will be claiming the 2nd grant, the money will stay in my account and if I get inspected and they want the money back they can have it.
And if they don't?
Will you be adversely affected by the end of August?
More than likely just like the rest of us....
When furlough ends and all the jobs are lost ???
Fair enough.
Adversely affected is a contentious point for lots of us.
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Only 2.3million self employed claimed the grant out of 3.5million.
1.2million people have not claimed.
Just because you are entitled to it , doesn’t mean you should do it.
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I had a relative who never claimed his pension. Had three homes, two in Ireland, he spent enough time out of both countries that the tax man never caught up with him.
Could be many reasons why millions never claimed the grant. I doubt it’s entirely down to morals somehow 😀
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I had a relative who never claimed his pension. Had three homes, two in Ireland, he spent enough time out of both countries that the tax man never caught up with him.
Could be many reasons why millions never claimed the grant. I doubt it’s entirely down to morals somehow 😀
He wasn’t claiming his pension because....?
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Only 2.3million self employed claimed the grant out of 3.5million.
1.2million people have not claimed.
Just because you are entitled to it , doesn’t mean you should do it.
There will be reasons why some of them haven’t claimed....not adversely affected, over the 50k profit limit, haven’t been trading long enough, set up as a Ltd company, not declared enough profit, etc etc
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I can see it now ....tax man : were you adversely affected during the 3 months after the first payment?
Window cleaner : yes .... I thought I might lose Mrs smith from number 10 spank street later in the year, and I might have lost business in the future.
Tax man: ...... ...... Your books show you were doing pretty good. so you weren’t affected . Il have that money back thank you very much.
Window cleaner : ..... oh , I spent the money on a massive leaflet drop , hot water system and a new van 😢
If that were true then of course it would go in the expense column of your accounts and thus reduce earnings for the year. :D
Yeh, but the tax man will see expenses increase over the previous years. If you haven't been working for a length of time and adversely affected by Covid19 the running expenses incurred by you should reduce. I refueled my van last week. The previous full tank was the beginning of March.
The tax man will also see a claim under the Annual Investment Allowance when the windie writes off his new van as a claim against tax.
I honest believe that NWH is sounding a genuine alarm. Just be careful. My business was adversely affected when I shut down for 8 weeks. I'm busy as anything now trying to keep up with phone calls to clean dirty windows. Will my turnover suffer in the 2nd quarter of this tax year. Yes, it will a little, but not adversely unless something really unforeseen happens and we have to go back into lockdown.
That word adversely is the problem because everyone will interpret it differently. Its the same a self assessment. We are asked to assess our tax liability on our assessment of our business but the tax man wouldn't usually see our assessment the same way.
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You need to listen some of you to what I’m saying I’m not going to mention who I talk to on a regular basis but unstuck people will become,the first grant was to blanket cover everyone self employed you can’t say we didn’t get help you like furloughed and employed people there’s your money we helped you.
Let’s go on to August I’ll have some more please nice,ok here you go we will be seeing you in the foreseeable future when we look over the books if they are still cooking.
These people in government are clever people as stupid as they may seem there are 1000s of very clever people behind the scenes 🤣🤣,I’d love to see the explanations when you are asked why did you buy a new car for the Mrs why did you go to the Maldives lol,just because they look like the school nerd-idiot they are far from that.
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It might help if you used appropriate grammar when you typed.
I haven't got a clue what you're actually saying.
I think you just get a bit excited, don't you?
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Something about the taxman going to the Maldives.
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You need to listen some of you to what I’m saying I’m not going to mention who I talk to on a regular basis but unstuck people will become,the first grant was to blanket cover everyone self employed you can’t say we didn’t get help you like furloughed and employed people there’s your money we helped you.
Let’s go on to August I’ll have some more please nice,ok here you go we will be seeing you in the foreseeable future when we look over the books if they are still cooking.
These people in government are clever people as stupid as they may seem there are 1000s of very clever people behind the scenes 🤣🤣,I’d love to see the explanations when you are asked why did you buy a new car for the Mrs why did you go to the Maldives lol,just because they look like the school nerd-idiot they are far from that.
Stop trying to over egg it🗣..... “you need to listen to what I’m saying”.........“I’m not going to mention who I talk to” blah blah blah.
You’re hardly telling us ground breaking stuff, all you’re doing is stating the obvious🤣
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Only 2.3million self employed claimed the grant out of 3.5million.
1.2million people have not claimed.
Just because you are entitled to it , doesn’t mean you should do it.
There will be reasons why some of them haven’t claimed....not adversely affected, over the 50k profit limit, haven’t been trading long enough, set up as a Ltd company, not declared enough profit, etc etc
I never believed that 95% of the self employed qualified for the grant. No chance.
I don't think the grants are decided on a loss in profits. It was altered in May, I believe, because it would've been so difficult to work out.
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You do need to listen 🤣🤣 I know it’s ped on the bonfire you were hoping to have but if it’s a gamble you are willing to take let us know how you get on 👍
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You do need to listen 🤣🤣 I know it’s ped on the bonfire you were hoping to have but if it’s a gamble you are willing to take let us know how you get on 👍
What's a gamble?
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It might help if you used appropriate grammar when you typed.
I haven't got a clue what you're actually saying.
I think you just get a bit excited, don't you?
On the ale my guess
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But like the bloke that’s selling hand sanitizer telling the Tax man business was terrible during the pandemic 🤣,most members of the public know he was run off his feet.
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But like the bloke that’s selling hand sanitizer telling the Tax man business was terrible during the pandemic 🤣,most members of the public know he was run off his feet.
He probably would have serious supply issues leading to his business being adversely affected
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Do you not think that hmrc (who probably have the best legal departments in the world) would have worded things differently to show who this applies to.
They could have said “severely” affected for instance. They didn’t, they said “adversely”.
Any downturn what so ever and you qualify surely. If they wanted to be clear that wasn’t the case then they would have worded it that way.
I think a lot who didn’t take the grant might regret it when all our tax goes up to 40%....... (for example).
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Who is going to lose income I’m not talking about work as such,if you have a lot of work and you can sometimes be weeks behind how will you word that,if I was to pull up at a job or get a text cancelling I’d be able to drive up the road and do another similar job for the same amount.
It’s all about what’s going through the bank-accounts during the time you say you were struggling,on paper it won’t look like you have been they are asking you to apply if you’ve lost income not if you think I’ll just bank it in case which some people will do it for.
In most cases it will be a big turnover increase meaning a fair bit more Tax next year if you take the 2 for some it wouldn’t be worth it if they intend in doing the same amount of work throughout the year.
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NWH, are you obsessed with this by any chance?
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No just wondering.
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honestly who gives a f**k? ::)roll ;D
claim/dont claim........but if you ve had no drop in income and claim for both grants dont be surprised if HMRC pull you up on it at a later date.....dont forget you will have to pay tax and NI on both grants in the future as its classed as income.......
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NWH, are you obsessed with this by any chance?
I’d bet he just wishes he’d declared his income so he would qualify.
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honestly who gives a f**k? ::)roll ;D
claim/dont claim........but if you ve had no drop in income and claim for both grants dont be surprised if HMRC pull you up on it at a later date.....dont forget you will have to pay tax and NI on both grants in the future as its classed as income.......
This is what people may forget. They can take the tax out of the grant now and put it to one side, but if they have carried on working and have the grant on top of their usual income, they are going to be due a huge tax bill the following year as payments are based on previous years earnings!
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It has nothing to do with a drop in income, trust me.
They have given their conditions and they don't mention income.
The lack of any specific, measurable reductions in income is intentional. The taxpayer should keep evidence of the impact on their trade, but there is no link between the amount of the grant and the financial loss.
From the Institute of Chartered Accountants in England and Wales.
But you need to be 'adversely affected'.
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honestly who gives a f**k? ::)roll ;D
claim/dont claim........but if you ve had no drop in income and claim for both grants dont be surprised if HMRC pull you up on it at a later date.....dont forget you will have to pay tax and NI on both grants in the future as its classed as income.......
This is what people may forget. They can take the tax out of the grant now and put it to one side, but if they have carried on working and have the grant on top of their usual income, they are going to be due a huge tax bill the following year as payments are based on previous years earnings!
It may not be huge unless it tips you into the next bracket,it depends on what % you pay now and if you are doing what you would normally do work wise.