#Cis Monthly Return UK

[efjconsulting]

How Can Formation and Company Secretarial Services Benefit Your Business?

Formation and company secretarial services, such as those offered by EFJ Consulting in the United Kingdom, play a crucial role in business success. These services streamline the establishment of companies, ensuring compliance with legal requirements and efficient corporation tax returns. By handling administrative tasks like filing annual returns, maintaining statutory records, and managing director appointments, we enable businesses to focus on growth and operational excellence.Our expertise ensures adherence to regulatory standards, mitigates risks, and enhances governance. Utilizing Formation and Company Secretarial services not only ensures legal compliance but also optimizes business operations for sustained profitability in the competitive market landscape.

[axicm]

✧ ˖ * ° ><> ╱  benjamin wadsworth,  cismale,  he/him/his  —  look  who’s  fresh  from  the  ferry,  aren’t  you    NILS PEDERSEN EARL OF BERGEN   ?  your  eroda  brochure  says  you’re    TWENTY    and  that  you’re  currently  residing  in    MARMATON  .  your  favourite  tourist  attraction  to  hang  around  is    ERODIAN  BEACH  ,  and  the  locals  around  these  ports  would  describe  you  as    +DIGNIFIED,  +EVEN-TEMPERED,  -ARROGANT,  -BIG MOUTH  .  your  resting  fish  face  really  gives  off    VINTAGE DESIGNER, AIMLESS WANDERING THE STREETS AT NIGHT, THE PULLED THREADS OF A WORN OUT ROYAL CREST  ,  and  i’m  a  big  fan  of  the   A GOLDEN SIGNET RING   you  seem  to  always  be  attached  to.  well,  if  you  see  the  minister  this  morning;  make  sure  you  head  on  home  as  quick  as  possible,  you  never  know  what  bad  luck  he  could  bring.  ╱  ooc;  mimi,  twenty-2,  she/her/hers,  ast.

stats ✧ ˖ * ° 

→ NAME: Nils Lindholm Pedersen, Earl of Bergen

→ NICKNAMES: Neil

→ AGE / D.O.B.: Twenty // December 28th 2000

→ GENDER / PRONOUNS: cis-male // he,him,his

→ SEXUALITY: bisexual 

backstory ✧ ˖ * °

Nils Pedersen— formally Lindholm, might very well have the most interesting life of any Eroda resident. Though it may not seem so, he was once a part of the Swedish royal family. If you dig deep enough of the royal family’s website you may find some mention of him but he’s been practically wiped from royal existence. With an addictive personality, slimy demeanour and the inability to ever shut the fuck up— it was inevitable that this day would come. Two odd years ago or so, he was flown to the UK and dropped off at the dock with a one way ticket to Eroda. Not that he ever really wanted to return home, he quickly realized it couldn’t even really be a possibility.Though don’t feel too bad just yet; Nils has never held a job, and still currently doesn’t his family wire money to shell company for him to use as allowance. Though he might of easily spent it on more questionable things, he did need a place to live and that’s where he met Orla. She was hot and willing to have sex with him til he mentioned his age. So in true Holden Caulfield fashion, they had a long chat over cigarettes and a bottle of vodka and became the most surprising friends. By some act of god, she offered him a proposition ❝ if you wanna use the extra room, I get a quarter of your monthly allowance ❞ and he offered to only accept the deal if she let him be her manager. They shook on it and have been inseparable ever since. 

personality ✧ ˖ * °

Like an odd sibling pair, he and Orla are often seen laughing and chatting together all over town. You can find him at either bar past 6pm to the wee hours of the morning. He’s kinda an asshole to most but if you’re an asshole right back he’ll appreciate that. Not to be that bitch but he’s a gentle soul that’s ~misunderstood~ he needs someone to kinda help him through his shit. He’s loyal to a fault and once he’s with you, he’s with you to the end.

[corruda]

CIS Umbrella

Corruda offer a compliant CIS Payroll solution that handles all of the time consuming paperwork for you. Allowing you the freedom and flexibility of working under your own name, and taking away the worry of complying with HMRC’s many rules and regulations.

Corruda Is A CIS Umbrella

We are registered with HMRC for CIS.

A monthly summary will be sent to you of gross and net payments made into your account.

As part of our additional services, Corruda offer assistance in preparing your year-end tax return for a small additional cost.

How Much Tax Must Be Paid Under CIS?

There are three rates of tax deductions that a contractor has to consider when they are paying a subcontractor. The employed contractor will be contacted by HMRC to shed light on the rate of tax to apply to your pay during the verification process.

Tax Deduction Rates:

20% for registered subcontractors

30% for unregistered subcontractors

0% if the subcontractor has a ‘gross payment’ status which means deductions do not have to be made

What Type of Work Is Covered by CIS?

CIS covers most construction work for permanent or temporary buildings as well as civil engineering work based in the UK and some surrounding territory.

CIS construction work includes:

Preparing of the worksite, e.g. laying foundations and providing access works

Demolition of buildings

Dismantling of infrastructure

Building work.

Alterations, repairs and decorating.

Installing systems for lighting, power, heating, water, and ventilation.

Cleaning of buildings after construction

Why Should I Consider An Umbrella?

Corruda’s Payroll is an expert CIS umbrella company with years of experience in the industry with solutions to help you so you can focus on your work. The sector is changing, take the necessary steps, protect the employee.

Our company solution is fast, easy and compliant – you always get paid on time – and there is support for you every step of the way.

Your payroll is handled, so you, your agency and end client can concentrate on the work at hand.

Our CIS payroll service is used because we are:

Experts in CIS umbrella payroll service

Low and competitive margin

Our company is with you every step of the way

An end to end payroll solution that takes care of all the paperwork so you have no tax worries

Our staff are trained in all services to keep you up to date with the latest legal developments

Construction Industry Scheme Services

Our service is seamless and we are with you every step of the way.  You receive your take home pay on time every single week and a simple self assessment tax form needs submitted at the end of the year, we can help you with all of that too.

If you are a contractor that employs subcontractors or an individual subcontractor, get in touch today to hear more about how we can help you stay compliant, the construction industry scheme could be for you so you can focus on work.

[efjconsulting]

Keep Your Finances in Check: The Ultimate CIS Monthly Return UK Toolkit!

Visit: https://www.efjconsulting.com/self-assessment-tax-return/

[joelchristina26]

Construction Industry Scheme reverse charge and CIS

shaikh January 27, 2021 One would have thought there is enough going on trying to cope with the challenges of COVID-19 , but HMRC in its wisdom have decided to introduce a complicated procedure to deal with Construction Industry Scheme reverse charge and CIS The Construction Industry Scheme (CIS) VAT Domestic Reverse Charge (DRC) applies to supplies of construction services from 1 March 2021. This article tries to address some of the important questions such as ,What is the CIS reverse charge? How do you account for VAT? Can you still cash account for VAT? What administrative changes do I need in order to operate the reverse charge? · The CIS VAT DRC applies to business to business sales of construction work. · The aim of the measure is to reduce VAT fraud in the construction sector. Where the DRC applies: · The customer, rather than the supplier, account to HMRC for VAT on the supplier’s behalf. o The customer accounts for the supplier’s output VAT. o A reclaim can be made on the same return if the customer is entitled to recover the VAT. o The supplier does not charge or collect VAT on its sale. The CIS DRC only applies to UK business to UK business (B2B) supplies where the recipient of the supply intends to make an ongoing supply to another party of construction services. The original October 2019 start date of the CIS DRC has been twice postponed due to the coronavirus and Brexit. It is currently expected to commence on 1 March 2021. The CIS DRC applies when all the following are met: · There is a supply for VAT of construction services and materials. · The supply is made at the standard or reduced-rate of VAT. · The supply is made between a UK VAT registered supplier and UK VAT registered customer. · Both supplier and customer are registered for the CIS. · The customer intends to make an ongoing supply of construction services to another party. · The supplier and customer are not connected. · The supplier is not an employment business. · The customer is not an ‘end-user’ or The CIS DRC does not apply to any of the following supplies: · Supplies of VAT exempt building and construction services. · Supplies that are not covered by the CIS, unless linked to such a supply. · Supplies of staff or workers. · Supplies of materials only. The CIS DRC does not apply to taxable supplies made to the following customers: · A non-VAT registered customer · A customer who is an ‘End User’ i.e. a VAT registered customer who is not intending to make further on-going supplies of construction. · A customer who is an ‘intermediary supplier’ and has informed the supplier of this status in writing. CIS DRC requires a significant change of approach in many CIS businesses: · Staff need to be trained to identify relevant CIS contracts and End Users. · Accounting and bookkeeping systems require modification to cope with the new invoicing and reporting obligations. · Use of the VAT Flat Rate scheme and Cash accounting may not be possible. · Cashflow will be affected and those at the start of the supply chain may become VAT repayment claimants: they need to consider whether to file monthly returns. · It may require a business who is the recipient of the supply to VAT register. Example: how the CIS reverse charge works John the Roofer (who is VAT registered) supplies the materials and roofs a new office building for Contractor who (who is also VAT registered) and in turn supplies its construction services to Developer (also VAT registered). Developer finds and develops land and will in this case, bring the build to completion and supply a finished commercial building to End user, its client. · John the Roofer would under the old VAT system, invoice Contractor £120,000, comprising of his £100,000 bill for materials, labour and works, plus £20,000 in VAT (at 20%). · From October 2020, under the new CI

[ebenalconstruct]

Self-employed to get £80% of average monthly profit

The Government is offering to pay self-employed construction workers a grant of 80% of average monthly profits over the last three years up to £2,500.

The new Self-employed Income Support Scheme will be open to workers across the UK for at least three months and may be extended should the lockdown continue longer than expected.

Workers will be allowed to take the grant while still doing business.

Chancellor Rishi Sunak, who unveiled the package of support for self-employed workers facing financial difficulties, said the scheme was the “most generous in the world”.

He added that the scheme’s income threshold would cover 95% of the self-employed working in the country.

To target support to those most in need it would be open to people with trading profit up to £50,000 and is only available to those who made the majority of their income from self-employment.

To minimise fraud only those with a tax return for 2019 will be allowed to apply.

People will be able to access the scheme no later than the beginning of June and HMRC will contact those who are eligible. Until that time workers are being advised to apply for Universal Credit to tide them over for the next two months.

Example of how self-employed support scheme would work

Many self-employed people carry business expenses of around 25% of turnover, so if trades with a top-line income of £800/week spend £200 on expenses (travel, tools, insurances, accountancy etc) profit would be £600/week or £2,400/month. 80% of that would be £480/week or £1,920/month.

The plan has come after thousands of lay-offs among self-employed and freelance construction workers who total around 1 million of the construction workforce.

Sunak added that for those who didn’t have three years of returns, the Government would look at the last year only, but he warned that those who had no self-employed tax record would not receive support.

Ian Anfield, Managing Director of Hudson Contract welcomed the long-overdue support package.

He said: “We still call upon government to order contractors to return the CIS deductions taken from net paid subcontractors since 6 March as this will provide a stopgap for cash-strapped SMEs and the self-employed, helping them survive until June.

“The chancellor has said he cannot pay those without a 2019 tax return because he has no data – this is not the case for those in construction, their figures are reported monthly as they are paid so again we say construction is a special case and the policy should be reviewed for those in construction who have suffered CIS deductions and paid class 2 national insurance.”

from https://www.constructionenquirer.com/2020/03/26/self-employed-to-get-80-of-average-monthly-profit/

[makesworthacc]

Domestic reverse VAT charge for building and construction services

The domestic reverse VAT charge for building and construction services was due to come into effect from 1 October 2019. However, in early September it was announced that the start date had been put back one year. As a result, the charge will now apply from 1 October 2020.

Who is affected?

The charge will affect individuals and businesses who are registered for VAT in the UK and who supply or receive specified services that are reported under the Construction Industry Scheme (CIS).

Nature of a reverse charge

The reverse charge means that the customer receiving the specified supply has to pay the VAT rather than the supplier. In turn, the customer can recover the VAT under the normal VAT recovery rules.

Supplies within the scope of the charge

The will apply to supplies of building and construction services which are supplied at the standard or reduced rates that also need to be reported under the CIS. These are called specified supplies.

However, where materials are included within a service, the reverse charge applies to the whole amount. By contrast, where deductions are made from payments to subcontractors under the CIS, no deductions are made from any part of the payment that relates to the material.

Move to monthly returns

The introduction of the reverse charge will mean that some businesses may become repayment traders claiming the VAT back from HMRC rather than paying it over to HMRC. To aid cashflow and reduce the delay in claiming the VAT back, repayment traders can move to monthly returns.

Planning ahead

The delayed start date has given businesses an extra year to prepare for the charge. In order to be ready for its introduction, businesses within the CIS should:

check whether the reverse charge will affect their sales, their purchases or both

update their accounting systems and software to deal with the reverse charge from 1 October 2020

consider whether the change will impact on cashflow

ensure that staff who are responsible for VAT accounting are familiar with the reverse charge and how it will operate

Contractors should review their contracts with subcontractors to determine whether the reverse charge will apply to services received under the contract. Where it does, they will need to notify their suppliers.

Subcontractors will need to contact their customers to obtain confirmation from them as to whether the reverse charge will apply, and also whether the customer is an end-user or intermediary supplier.

Impact of change of start date

HMRC recognise that the start date was changed at short notice and that business may have changed their invoices to meet the needs of the reverse charge and cannot easily change them back. Where errors arise as a result, HMRC will take the change of date into account.

For more detail about Domestic reverse VAT charge for building and construction services, Book a free consultation

                            Makesworth Accountants

[newspaperjobs]

Accounts Assistant

Accounts Assistant

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Accounts Assistant

Job Details

Accounts Assistant £25,000-£27,000 + benefits This highly regarded construction company based in central London is currently seeking an ambitious finance professional with 2-3 years experience in accounting. The role

Accounts payable and receivable for a number of UK entities

Preparing manual and online payments

Performing monthly cash book reconciliations

Monitoring/tracking/chasing cash

Obtaining invoice approval

Assisting with quarterly reporting/annul audit

Assist with the drafting and filing of VAT returns

Completing CIS returns

Reporting on internal KPI’s

Nominal ledger posting, Journal postings

Your background

AAT Qualified or studier, or 2:1 graduate in Maths / Accounting

Minimum 5 GCSE's grades A-C including Mathematics

Previous AP/AR experience

Well organised and methodical

Experience of Sun Systems an advantage

The company can offer a great working environment, benefits include free lunch and possible study support

Date

                29/3/2019                    

Job Source

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[registeredaddressuk]

Complications Of Corporate Accountancy

Something that often catches out small businessmen is their accounting.

For example, there are two company annual returns to Companies House and one to HMRC.

These can be quite daunting for someone not familiar with accounting.

Technical terms are used, login access has to be obtained and some new businessmen are so naive they think they can set up a company and just leave it. That is not so.

Changing circumstances always require additional work and advice from your accountant. The client goes over the VAT threshold and the accounts become more complicated. The accountant makes more money, but, he earns it.

– Send us a ticket if you have a query about your own accountancy needs.

Accountancy is boring and complicated to the small-businessman and that’s why accountants get paid to do it.

Being tax efficient is a great way to ‘earn’ money by not giving it to the taxman.

Even if clients don’t earn much they want to save tax. Some businessmen are quite canny and make their accountant work for his daily bread.

A good accountant is responsive to your queries, files on time and saves you tax money.

For this kind of support, you can’t use a cheap accountant; they have to work for their bread and they have studied hard, for years, to know what they know.

You want someone you can trust to do your accounts; someone who is a member of a professional body and who doesn’t make mistakes you have to correct him about.

A good accountant can talk to a client on his level, explain to him what is needed to maintain his records properly and to remain within the bounds of the law of the land. Bookkeepers can handle simple procedures but when you have a complicated crisis you need a professional to help you.

It is possible to outsource accounting to, say, India, but such persons will not have the day-to-day knowledge of current affairs in the UK and HMRC’s latest accounting requirements.

Typical Accounting Tasks

– Companies House accounts; – Companies House Confirmation Statement; – HMRC: Tax return for Corporation Tax.

These returns require:

– Companies house authentication code; – UTR number for corporation tax return to HMRC.

And then:

Connected returns

– Payroll (PAYE) – optional, but usually necessary.

If you earn a reasonable amount, or you don’t have another job, then basic tax planning would be for you to have a payroll.

And then: 

– Register for PAYE;

– Collate staff information;

– Monthly submissions and payslips sent;

– Annual P60 emailed.

Possible adjustments:

– Changes to pay or rate; – Changes in staff, which requires …

… new staff details to be collated and issuing a P45 for the outgoing staff member!

More:

– Changes in staff tax code annually and possibly during the year;

– Sick leave, maternity, annual leave;

– CIS: Construction Industry Scheme, in the building trade;

— Verification of staff for the scheme.

And then the UK sales tax:

VAT – mandatory and voluntary

There’s an £85k turnover threshold, if your business reaches it, which leads to:

– The VAT Registration process;

– Quarterly returns (quarterly accounts with deadline 1 month and 7 days);

– Choice of schemes.

Important: Self-assessment tax returns for Directors is legally required even if they do not take any benefit from the company.

And then there’s the information required to complete the Self Assessment tax return. The accountant will need records of all personal income:

– P60 from employers; – Records of any taxable benefits such maternity allowance; – Rental income accounts if you rent a house; – If married, a marriage allowance adjustment (only applicable if applied for and main earner is not a higher rate tax payer); – CGT calculations if you sold a second home/rental property and more.

For anything beyond filling in P60 figures the additional work would normally be an extra charge.

And finally:

The 64-8 Client Authorisation Form

This gives authorisation to the accountant to communicate with HMRC on behalf of clients. It must have codes for each type of tax and must have an original signature; scans are not acceptable.

The above are the sort of tricky things you pay your accountant to deal with so you don’t have to. Accountancy for anything other than a one-man-band with simple income and expenditure accounts requires someone with a professional qualification.

Preparing and submitting accounts is complicated and stressful and interferes with the normal running of business if the small businessman is trying to do it himself.

 – Send us a ticket if you have a query about your own accountancy needs.

The post Complications Of Corporate Accountancy appeared first on Blog.

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[asasas21-blog]

Dubai International continues relentless assent

Dubai International recorded its second busiest month ever, surpassing the eight million passenger mark in July, according to the monthly traffic report issued by operator Dubai Airports today.

The airport clocked monthly traffic exceeding eight million passengers on three other occasions last year – in January (8.03 million), July (8.06 million) and August (8.23 million).

Passenger numbers in July totalled 8,207,987, up 1.8 per cent compared to 8,065,789 recoded in July 2017.

Year to date passenger traffic reached 51,947,092 up 1.6 per cent compared to 51,120,057 recorded during the first seven months in 2017.

In terms of growth rate, Eastern Europe was the fastest growing region in July with traffic surging 24.4 per cent – mainly fuelled by flydubai’s route development plan, followed by CIS (up 18.34 per cent) with major contributions from the Russian market and destinations such as Bishkek, Baku and Almaty among others, and Africa (up 9.7 per cent).

India retained its position as the top destination country with 1,032,302 passengers, followed by Saudi Arabia (583,975 passengers) and the UK (581,557 passengers).

London, with 358,201 passengers, topped the list of the most popular destinations served from DXB by traffic volume in July, followed by Kuwait (221,696), Mumbai (209,205) and Riyadh (200,411).

Older

Armani Hotel Dubai seeks to eliminate food waste

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The post Dubai International continues relentless assent appeared first on Flightsplushotels.

from Flightsplushotels https://flightsplushotels.info/2018/08/30/dubai-international-continues-relentless-assent/

[shamelessmilkshakepanda-blog]

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How does life insurance work?

Hubby is getting a new job that may be a little bit dangerous and he'd be gone for weeks. I am not money hungry or wanting my best friend to die. I just want to have this insurance on him so if he were to accidently leave me with child and something happened to him, I want atleast funeral costs and my child to be taken care of too. I know I'm probably fretting too much but I can't convince him to not take the job. He's worth more than any amount of money. We're both in our twenties. I don't know how life insurance works.""

How long do you have to go to school for an insurance company?

Or any insurance place? For car, hostiapl, boats ect.....""

Does Michigan have extra cheap auto insurance?

I keep seeing all these advertisements for Michigan (obviously this only would apply if you live/have lived in Michigan) regarding certain loopholes for cheaper auto insurance.. ??

Do you have to add your new teenage driver to AAA insurance if you want them covered.?

Do you have to add your new teenage driver to AAA insurance if you want them covered.?

Car Insurance companies?

I have car insurance on my 2010 ford focus. When i signed up with them they never asked me about my title. it does have a salvage title but they never asked me if it had one or not. I have been insured with them for approximately almost 2 years with A+ plus driving history. I had some small damage that has been done to my car by a citizen of whom I have no idea but that scratch the sides of my vehicle with I guess the key or some type of odd objects. I put a claim in to have my car to be looked at and to have them to pay me the value of what my vehicle was worth. I've been paying full coverage since the day I started with them. when I put the claim in is when they discovered that it had a salvage title. Theey did send me a check for the amount of damages. this is an out of state check so its not able to be cash immediately. I have two questions I would like to ask. 1. are they able to put a stop on this check. 2. the retention department has been calling me what is the retention

affordable family health insurance plans

affordable family health insurance plans

New Brunswick Motorcycle Insurance is based on...?

I will be moving to NB this summer (from BC), and was wondering how the insurance rates out there are determined. Here in BC there are a number of insurance brackets (based on displacement) which determine the base rate. All bikes in any one bracket pay the same, so a 600cc sportbike is cheaper than a 883 Sportster (these are only for liability, theft and collision are based more on $$ value). In general, is it the same in NB? Would I save money by going to a smaller bike (I currently ride a 1127cc Suzuki GSX1100G), assuming the actual $$ value of the bike was about the same? Does the type of bike matter? I'd ask an insurance agent, but they are usually pretty reticent to explain how their rates are determined. Hope you can help.""

Car insurance......?

if you have full coverage car insurance and you get into an accident but its the other persons fault and you get your car fixed by your insurance do your rates go up? what if the other persons insurance pays for the damage to your car do your rates go up?

Car insurance company asking for more money?

hi i cancelled my car insurance back in feb i had it from 23rd dec to 17th feb i paid for the months i was covered and now the can insurance company are asking for the rest of the money for the months after the policy was cancelled. is this legal?

Who do you trust more? An Insurance company? or Obama?

The right wingers will chose blindly! But think about this! Prior to the Affordable Healthcare Act, how many times in a row, year after year, did your health insurance coverage go up. For me, it was every year for as long as I remember. Never did my insurance premium go down. But for some reason, everyone is up in arms because a few people, a small percentage have rate increases. But they also get more coverage, better policies, and some can get insurance for the first time.""

Does the American political system of democracy provide health insurance??

I'm doing a report and I don't quite understand how the american political system of demorcracy provides health insurance ? Help please?? Thank you!

Dui and car insurance?

My record got explunged now that I am 18 in the state of California. Will my car insurance take me back?

What is the cheapest car insurance in PA?

So basically I need to insure my car, it's a old one worth about 2000 bucks, so I want the absolute bare minumum amount of insurance. Does anyone know any really cheap but legit car insurance companies? Oh and of course I'm 19 so that'll raise the cost a whale of a lot.""

I just found out i'm pregnant with no insurance?

I just found out I'm pregnant and don't have insurance. I live in California near the Los Angeles/ Orange County line. I am trying to find out if there are any free/low cost clinics I can go to to get checked out? Any info would be greatly appreciated.

Car insurance increase?

my friend was pulled over for speeding while unlicensed due to a 6 month lapse in insurance, she was arrested and charged with a misdimeanor of aggrivated unlicensed operation of a vehicle as well as speeding 20 miles over the speed limit. She had at least one other ticket from several months ago that she never paid. it was for talking on a cell phone (illegal in nys). She has gotten other tickets in the past as well but those have long since been taken care of. She is 25. she believes that her car insurance is only going to be $80 a month in a few months when she is able to get her license back, and told me that the speeding ticket it will raise it a little, but the driving without a license and not paying car insurance for 6 months does not affect her rate. Can someone prove her wrong? Has anyone experienced an increase in their car insurance because of a lapse or becuase they were arrested for driving without a license?""

How much does it cost for tow truck insurance?

How much does it cost for tow truck insurance?

I want to switch car insurance companies?

My car insurance is up at the end of September. The current company that I'm with has sent me a renewal reminder. They will automatically renew it at the end of the month. (They also sent me a note to say the card I used to pay last time has expired, so I will need to enter a new one). I've found a cheaper quote elsewhere therefore I want to go with a new company. However, despite the fact that all my dealings with the current insurance provider have been online, if you want to cancel your policy, you have to do it by phone. I don't particularly want to call them and get the hard sell (I'm really not very good in that sort of situation). Seeing as the credit card I used to pay for the insurance last time has now expired, shall I just ignore them and go with someone new, or will they then keep chasing me saying I owe them money?""

Got ticket for car insurance but have liability in my moms name?

Drove my moms car and officer gave me ticket for no car insurance even though I showed him one under my moms name can I show it in court and get it dismissed?

Help! I dented a car and need an idea on how much it will cost without going through insurance...?

I have a picture of the damage. I am still shaking so worried, it is my first year of driving so am looking to deal with it privately, luckily my car wasn't damaged, however it was my fault so I am going to have to do the paying! <a href= http://s7.photobucket.com/albums/y298/Gothixpixie/?action=view&current=Photo-0107.jpg target= _blank ><img src= http://i7.photobucket.com/albums/y298/Gothixpixie/Photo-0107.jpg border= 0 alt= Photobucket ></a> http://s7.photobucket.com/albums/y298/Gothixpixie/?action=view&current=Photo-0107.jpg Not sure if these hyperlinks will work! Any help would be great!""

Who has the best life insurance policy ratings?

family life insurance policies

Can you change health insurance before surgery?

I have an Anthem individual health plan. It's kind of expensive but I haven't been working and really wanted to have health insurance. I just started a full-time job that offers health insurance benefits. They offer Anthem insurance similar to what I already have just at a much cheaper cost to me but I'll probably have to get a new policy number. I'm having breast reduction the 2nd week of August and I've already received approval from my insurance company for them to pay. However I want to get insurance with my job but I only have 30 days from the start of employment to enroll in their plan. I'll be calling Anthem next week to see how this will affect my surgery but what do you all think? Is it possible to change policies before a surgery that's already been approved? I don't want to miss the open enrollment with my company but I also don't want to risk having to cancel my surgery. Thanks!

If a car looks fast will insurance cost more?

its for a new driver. say they were driving a muscle car with a small block 350 and it also looks fast would insurance in anyway be affected? would an older car cost more insurance because of less safety features?

Best health insurance for 22 yr old?

Okay so right now I have insurance through my job and the insurance really blows (for lack of a better term). Every time I go to the doctor I end up paying a couple hundred dollars for the tests they have to run (I'm a girl so I go once a year). Plus they don't cover hospital visits (had to go the emergency room and me insurance didn't pay a dime so I had to pay $500 out of pocket for the visit). So I was looking into getting my own insurance but I am not sure which one I should get. I live in Arizona and I am a 22 year old female. The only time I go to the doctor is for my yearly gyno visit and if something is really wrong (which is very rare). I would also like a vision and dental with it too since I go to the dentist once a year along with going to the eye doctor. So any suggestions would be nice :) Thank you in advance.

""I want to but a new car in the next few months,can I transfer insurance?

It's insured for the next 6 months. When I get the new car can I transfer that insurance on to the new one? What if the quote my insurance company quotes is not competitive and I want to cancel the policy. Do I get a refund on the amount of months left or do I lose it? Thanks.

Should i purchase insurance when renting a car from the rental company?

should I purchase insurance when renting a car from the rental company. I have my own car insurance for my car.

What is some affordable/ good dental insurance?

What is some affordable/ good dental insurance?

Car insurance question?

I know it could be inaccurate I just want a general answer. So my brother is 18, has a 2000 celica, he has liability on my dads insurance plan and his cost $100 a month.. If I was to get a 1998 323ci bmw with liability and im 16 years old, will it also cost $100 a month? Or would it be a bit higher cause its a BMW.. if so how much higher do you think""

Health insurance question please?

My family and I have not had health insurance for the past few years. And I'm starting to get really sick and probably need tests done. I live near Aurora,IL, what's an affordable good health insurance I can get? I work part-time at a pet store and it's not gaurenteed hours so I may get like 30hrs a week for a month and than it go down to 20hrs a week. I am going to school full-time as well. Can someone please help me?""

""Is a motorcycle cheaper than a car in terms of maintenance, fuel and insurance?""

No matter what I get, my budget most likely will be $5000. But i'm talking about other costs like maintenance, fuel and insurance. I know fuel obviously is much less than a car for motorcycles, but how about maintenance and insurance? Basically i'm a highschool student, I'll be going to college next year, its a 50 km ride one way. Public transit would take me 2 hours...so If possible, i'd like to get a car or motorcycle. I already passed my first road test, but I don't have a motorcycle licence, but I'd like to. Infact the college i'm planning on attending does motorcycle courses and licencing. I'm thinking that If I do get a bike, i'd ride it for september- early november, store it for the winter, then spring till the end of the school year. Obviously I'd ride it during the summer too! I dunno, what do you experts think? You think its a good game plan or am I just in over my head? Which should I get?""

Insurance for drivers with convictions?

I have several driving convictions including drink driving in the last 5 years although ive never held a licence until now but my insurance is too high would you recommend not declaring convictions to insurance companies or changing my age to a low risk age group? please no do gooders

How much would car insurance cost a 16 year old guy?

I live in Connecticut and drive a 2004 volvo xc90 2.5t. I have a 3.5 gpa and will most likely have insurance with middlesex mutual. What can I expect my car insurance to cost per month/year?

affordable family health insurance plans

affordable family health insurance plans

Question about general car insurance?

I'm doing a Statistics Lab based off car insurance and i'm a little confused. I'm supposed to make a statement to my boss about charging higher or lower car insurance based on the rating the cars get. So, for the larger, and safer the car is, should I tell my boss to RAISE the insurance prices, or lower the insurance prices? I'm a little confused on the correct way to do it? Safer = Higher insurance or lower insurace? and WHY?!?!?""

Motorcycle insurance?

How much is insurance? I am 15 1/2 (male) and I want to get a ninja 250r. I live in california, I get good grades and I will take the basic riders course ( I hear good grades and the brc give insurance discounts).""

Do I qualify for low cost Health Insurance?

I'm under 21 & still living at home. I live at home with my mother & sibling. My mother can't afford insurance through her work beings it'll be almost 1/3 of her paycheck a month. I work part time as a waitress making under 5,000 a year for now as I look for a full time job. So my question is: Do I qualify for any type of low cost health insurance to cover just myself? I've tried looking on sites like health .gov but because my mom has insurance available through her work it's basically saying i'm screwed out of insurance of my own. I need all 4 wisdom teeth pulled asap, as well as basic medical check ups & such that I can't afford on my waitressing salary. I really need all the help I can get. Please answer. & no, my job doesn't provide any insurance.""

Minor car accident with no car insurance?

I was in a minor car accident last month and i was the one at fault. I was backing out of a parking space and a lady with her son who was driving pulled up behind and was going pretty fast. I left a minor dent in the front part of her car and a few scratches. She has been harrassing me since the day it happened and finally she contacted me and i agreeded to pay the cost of the damage because i didnt have insurance at the time. But then she sent me a sheet with the costs of the damages, 1,000 dollars!! I think it's way over priced and a lawyer doesnt want to do anything about it. She keeps calling and harrassing me and threatening me with the law. what can the law do? what can the judge do to me in court? will i go to jail?""

Where can I get classic car insurance under the age of 21?

I have a mark one escort that I've just finished had it since I was 16 I'm now 18 an I want to use it on the road, it's now a mint 1972 ford escort l 4 door, now I've found out that the law has changed an I can insure it after all that work I've done for the past 2 years, so what I would like to know is, can I get classic car insurance from anywhere under the age of 21? Or where does normal car insurance where I can add on an agreed value for the car for extra cost, thanks everyone, speedy helpful replays would be great thank you""

Best insurance companies for 17 year old passed my test!!?

ok ive pased my test a month on friday and i gettin a car this week and i need some insurance on the car obviiously lol, well basically whats the cheapest car insurance all you 17 year old have and who is it with, please :)""

Temporary car insurance question?

In Which condition i can take temporary car insurance? i heard that it cannot be taken as general insurance is it true?

Insurance rates????

my insurance is way too high...I have insurance with a nationwide company....and I have to have full coverage because I'm financing the vehicle. My question is..where can I go to find some cheaper insurance? I heard that smaller companies around where you live usually offer cheaper rates? Is this true?

Does AAA have good auto insurance?

Does AAA have good auto insurance?

Where can i get affordable health insurance for less than 100 dollars a month?

just for me. i dont want a company that will take a week to decide..i want something fairly fast...can anyone help/? thanks

How much would a insurance cost for a 2013 Mercedes c300?

Around how much a year

Whats a cheap car insurance In nj?

For a person with a new lisence thats 18 years old

How do I get health insurance?

I am a heart transplant patient without health insurance and am on disability for 8 months. I am not able to recieve coverage from anyone and have large medical and prescription costs.

How much will my auto insurance be on a 2013 Kia rio5?

How much will my auto insurance be on a 2013 Kia rio5?

I need 3 insurances anyone know good insurances?

I need three insurances. Does anybody know any very good insurances? The insurance I have is freaking crap, so I want to change everything, so I need 3 insurances. I want the best ones but I know those ones are high price that's what I was told, so I just need 3 very good ones with a reasonable price. The 3 insurances I need are cosmetic dental, pet insurance, sports insurance. Went to the dentist and found that I need little work and all of the work is cosmetic. Insurance that I have doesn't cover cosmetic things. I have 3 pets and I need pet insurance. The last one I need is a sports one. My insurance won't cover sports or fitness. I need sports insurance that is great. The sport that I'm trying to get into is wrestling yes professional wrestling like WWE type. I need sports or extreme sports insurance that will cover on those type of extreme sports. I was told that There is a insurance that covers everything sports, cosmetic and pet insurance but I don't know how true that is, but if there's a one please tell me. Anyways anybody let about these 3 insurance that I need. Thank You so much to whoever read and answers my question and helping me. Thank You.""

Does car insurance depend on how much miles you drive?

will my car insurance be cheaper if i chose less miles on my insurance quote and how does the insurance company know how much miles i drive

Who has the best health insurance in California for college students?

I am a full time college student, and I am looking for health care insurance, but I'm not for sure which to go for. I was looking up Blue Shield of California, Health net, and Kaiser, but I'm new to this.""

Whats the insurance for a drink drive offence (uk only)?

My partner stupidly got in his car drunk a few years ago , he bought it while on a provisional license,and had it insured,he got a 20 month ban and a fine. He now has to pay something like 200 for a medical. I personaly think hes foolish thinking he can get back on the road as the insurance would be through the roof! he thinks it wont be,that he'l get cheap insurance somewhere.. What do yous think? I think hes way wrong. No negative feedback please, I dont condone drink drivers in any way ,took me a long time to forgive him.""

Who is offering the cheapest car insurance?

I am 21 with 3 years NCB, need to renew my insurance shortly. I know that alot of companies are not on the comparison websites, so does anybody know anywhere that is cheaper than the comparisions?""

Insurance career in Life and auto?

I am currently work as New York Life agent. And I just got my P C license to sell auto insurance. I am thinking about working with NYL and auto insurance agency. Should I have to cancel NYL contract and work as noncontracted agent. I know I have to loose all my benefit such as 401K-health insurance. But now it is hard to find business in Life only. That is why I want to work with both. But I have to open my own office (more expsense), will not get paid in NYL, etc. Is it a great move at all? Your advice will help me to make decision. Thank you""

""Cheap, effective health insurance?""

I'm a 25 year old, healthy, unmarried female looking for a low co pay health insurance that covers major medical and dental. I need to be able to see my primary physician for annual checkups and hopefully get Invisalign covered under dental as well. I have no pre existing conditions and would prefer a lower deductible... Somewhere up to $5000 in the event a major medical issue arose.""

What is the best life insurance to get for my parents?

I keep getting the gut feeling that I need to get life insurance for my parents. Is that possible? If so, which company is the best?""

Car Insurance what companies have the cheapest rates?

Please help me! What Insurance companies have the cheapest insurance. ( male )

How can I get car insurance?

Let me give some more information. I'm 20 years old, female, live in NJ and need to buy my own car and insurance soon. I've never had my own policy before and I was wondering how I would go about getting one. Also, what are some companies to use? Thanks!""

Where do I look for health insurance for my family?

Can i call insurance agents and get quotes from them for free? my husband is self employed do they have any health insurance specifically for that?

affordable family health insurance plans

affordable family health insurance plans

""I just passed my driving test and got a license, do I need to pay for insurance if I'm driving my mom's car?""

I just passed my driving test and got a license, do I need to pay for insurance if I'm driving my mom's car? She has allstate insurance. I won't be driving often. in California btw""

With millions of people losing their jobs and health insurance every month....?

can you see why we need affordable health coverage for all Americans? When I left my job, my option to keep my Insurance for a year would cost $1,300 a month for me and my family. As we see more and more Americans lose their jobs and unable to afford health insurance, the crisis only grows. If you don't believe we should have a government health care program that covers all Americans, what is your solution?""

What is the cheapest classic car insure for 17 year olds?

looking to insure my ford fiesta L 1981, but unsure on the best classic car insurer""

How much will my geico auto insurance rates go up after an accident?

If I've had a couple of accidents in years past, currently pay about 1,200/year for geico. I just had a very minor fender bender in which I sustained no damage but the other car (a BMW) got 2 scratches on the rear. How much can I expect my insurance rates to go up when this is all reported?""

Cheapest car insurance in LA?

So, I had an accident last semester which made my existing insurance company geico hit me back with a pretty expensive new contract. Fair enough, but I would like to search for better quotes for southern california, if there is any out there. Thats why I am asking this mundane question. Thank you very much in advance!""

""If i crashed my motorcycle, would my dad get penalized on his insurance?""

Quite recently I bought a motorcycle (Kawasaki 650r) and in order to save money on my motorcycle insurance, I insured my dad as the primary driver on it (had his license accident free for 40 years). Im still on the policy and everything, but if i were to crash and total my bike, god forbid, would my dad get penalized on his insurance?""

Is driving a motorcyle dangerous? and will it raise my insurance prices?

is a motorcycle more dangerous than a car what are the pros and cons. i am considering it for the good gas millage i am 18 yrs old (clean record) -- will it increase my insurance costs

Temporary car insurance for foreign visitor?

A friend from Europe is visiting me for 2 weeks, and I'd like to lend him my car for some of the time. Obviously he is not covered through my insurance policy and I don't want to add him to it. Can he purchase coverage for himself just for this limited time? If so, where?""

What is the best car insurance for a traveler?

Hi, me and my partner just bought a car in Auckland. We are traveling around New Zealand for around 9 months and was wondering which is the best vehicle insurance we can get.""

Need help to find a car with cheap insurance?

Ok so im nearly 17 and i live in the uk so will be taking my driving test soon. I want a car that isnt to expensive to run and cheap insurance as insurance is really high at the moment an the car cant be to expensive either as i dont have a lot of money the most money i would be willing to be pay is about 2500 and cheapest insurance please!

Engine size/Car insurance?

I'm planning what car I want to buy after I do my test next year. I've seen some nice used Land Rovers, but I'm told the insurance will probably be sky high because of their engine. Is this true? It'll be a 5 door and the engine will probably be 1796. Can anyone explain this to me? The difference in engine size and what that will mean? Thanks""

What exactly does term life insurance mean?

I have been paying in to a Chase Life term insurance policy for $100,000.00 for over 10 years. I have recently received a quote for $250,000.00 term policy for LESS than I am paying for the $100K policy. Do I lose anything by changing companies?""

What would my monthly insurance be?

For a - -'07 Cobalt coupe -'08 tiburon -'04 ford mustang I'd like one of these but i'll be paying for my insurance so I'd like to have an idea on what it would be a month....any help is appreciated :)

""Car insurance, it makes me think why bother.?""

Last year a neighbour crashed his car into my drive, damaging the railings, lucky my car was not there at the time and no one was hurt. He was charged as he had no insurance. I got a letter from the Police last week stating that he got 6 points and was fined 500.0. My car insurance is now up for renewal and I was quoted 600.0, obiviously I'm gonna have to get insured, but it does make me think why bother, what do you think???""

How bad is insurance for a 17 year old with a stock 1979 datsun 280zx?

im buying my son a car soon and he found one stock average insurance cost? per month or annual

Is there insurance for Antique Cars?

Hi, I have a 1971 chevrolet camaro. Wanted to ask if there was insurance for antique cars? I know i could just get liability for this car but i was wondering if i could get better coverage for my vehicle? Thanks.""

Get SORN first or cancel car insurance?

Hi, might be worth checking this thread out first: http://uk.answers.yahoo.com/question/index;_ylt=AiWBX1zk4PVIcYSG9D1wU2AhBgx.;_ylv=3?qid=20130624061149AAg0TyU I've got the MOT done. But financially, still struggling. My Road tax notification came in and also got an insurance renewal reminder. Road tax expires on 31.8.2013 and car insurance on 3.9.2013 I want to get the car off the road so intend to go down the SORN route. Do I cancel my insurance first? Then get the SORN or vice versa or does it not matter which way I go first? Secondly, if I cancel my insurance, any likelihood I might get some cash back if they pro-rata the insurance for the year? Thank you.""

Selling my car an confused about insurance?

I have a car from a dealership. It has to have full coverage etc. If I sell this car I got from the dealership & I don't pay off the loan an buy a car off craigslist. What will happen insurance wise when I take the car from the dealership of my insurance? Will there be a hassle? Should I call my dealership? Please help me

What is the average cost of hormone replacement therapy with and without insurance?

I've fianally decided to begin my transition (male-to-female) and i wanted to know what it would cost to begin HRT. I ask for both with and without insurance because i have a college based insurance plan (SHIP) and i am not sure if it will cover HRT (it covers gender identity counseling so IDK) Thank you all in advance ~<3 P.S. i live in Moscow, Idaho.""

How much is motorcycle insurance for a harley davidson sportster 1200 in Maine ?

What's the price for full coverage and just liability

Question about motorcycle insurance.?

I was wondering if anyone could tell me, on average, although there are multiple considerations...how much difference would there be in monthly insurance premiums between a 500cc bike compared to a 650cc bike? I heard that its actually quite a bit of difference, as I think I've heard that anything less than 600 is quite less than anything above 600cc's. I was just wondering if anyone could confirm this, and hopefully give me some estimated figures. Thank you""

Will getting a speeding ticket raise my insurance?

Will getting a speeding ticket raise my insurance? I was helping my friend move her car today and got pulled over for going 10 mph + the speed limit (in a different state). I showed the cop her insurance and my license. He said he is going to mail me the ticket. Now, I am wondering after I pay this ticket, will my insurance increase even though this was not my vehicle, vehicle insurance, and it was in a different state (California). Please help with any advice, I cannot have my insurance go up. Cop still gave me ticket even after ten hours of driving and crying afterwards..""

Around how much does car insurance cost?

just learned to drive, my parents said i can have their old wagon if i pay insurance. i want to see if i can afford car insurance. how much is it approx?""

How much do you pay for car insurance a year?

i am about to take my second practical driving test so i am hoping to be buying my first car soon . I don't know anything about car insurance so i would like to get an idea how it works and what i will have to pay can anyone help me with because i need all the help i can get (not knowing a lot about cars )

Is california an affordable and nice place to live?

I live in ohio and I want to move to california to go to cal state in concord. I just need a little information from someone who lives there. Like is food and clothes expensive and is it expensive to buy furniture. I have already got the cost of a house and found some cheap ones. I just need to know how much money I will need. So can anyone help?

affordable family health insurance plans

affordable family health insurance plans

https://www.linkedin.com/pulse/equine-insurance-quotes-online-horace-mullen/"

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