This video has answered my question. I just worked 2 month in my full time job in 2022 and my total contribution to NI was £293, but I still had full qualifying year.
@@SmallFishBa I don't know whether you will cover gap year contribution in the following episodes. My account has an option to pay the gap year in 2020 and the amount has been kept the same for 3 years. I think it will not be adjusted, so I will wait for the last year to pay. The surge inflation has helped me to lower my expense.
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi Simon。 Class 4都係自僱嘅NI，但係盈利多於£12,570先要交。低過就唔洗。所以如果 sole trader 盈利界符£6,725及£12,570之間就 class 2 同 class 4 都唔洗俾但係又照樣有 qualifying year。
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇 Hi Tina, 謝謝你。SIPP 嘅 Tax relief 我都未收到。我用AJ Bell, 以AJ Bell 的講法，假設我4月5日入錢，要等到5月25 tax relief先會到。 "It depends when you pay into your SIPP. If we receive your SIPP contribution on or before the 5th of the month, we’ll reclaim the basic-rate tax relief from HMRC and pay it as cash into your SIPP account on the 25th of the following month. For example, if we receive your contribution on 1 April, we’ll pay the tax reclaim into your account on 25 May. However, if we receive your contribution on 6 April, we’ll pay your tax reclaim on 25 June." www.ajbell.co.uk/faq/when-will-i-receive-tax-reclaim-contributions-paid-my-sipp
很多謝你的详细解答小魚爸，你用了很多寶貴時間和耐心來為我們解答问題。那我再等等tax relief.謝謝你了😊
小魚爸兄：如果你遲啲有時間可以做一集關於成立中小企， Sole Trader 等就好了，謝謝🙏
有機會嘅.
講解得好清楚，謝謝你的分享
Very useful. Wish to hear about setting up sole trader business. Thank you.
厲害，內容詳盡，清楚，一定要準備很久👍🙏
謝謝收看
This video has answered my question. I just worked 2 month in my full time job in 2022 and my total contribution to NI was £293, but I still had full qualifying year.
Good to know, Bill.
@@SmallFishBa I don't know whether you will cover gap year contribution in the following episodes. My account has an option to pay the gap year in 2020 and the amount has been kept the same for 3 years. I think it will not be adjusted, so I will wait for the last year to pay. The surge inflation has helped me to lower my expense.
@@BillWong as far as I know, the amount is based on the NI rate and rule of that year. So, I believe it wont change.
@@SmallFishBa I meant it is legally to take this advantage that you pay it in the sixth year.
好清楚，多謝你嘅資料，有用👍🏼👍🏼
謝謝收看, Green Tea
請問65歲先到英國住！有乜福利
我來英國已有3年，BNO人仕現年69歲，2年後71歲後，如獲批居留後可否直接申請New State Pension,現有工作無供Ni
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
以我理解係唔可以。至少要有10年 qualifynig years.
年紀大，睇手機、電腦會眼花，所以靠聽較好👀對眼睛較健康😁
其實新聞類影片我都係靠聽多
如果成立一個sole trader small business 全年都冇income, 當然唔會有profit , 但係有少少支出，咁可唔可以供Ni ? 會唔會唔承認qualifying year ?
我是指用class 2 資格去申請
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
可以。無話sole trader一定要賺錢, 甚至乎頭4年loss 可以claim。 但不過最好唔係每年都係咁啦。有少少盈利，show 到你真係一個legitimate business。
@@SmallFishBa 佢話冇income，即應是沒revenue.同冇profit是不同概念。HMRC會好出奇？不過我不是稅務專家，可能HMRC會accept也不一定。
@@BillWong 一盤生意無profit 或無income都唔係犯法。但如果一盤生意長期幾十年都無income, 會唔會引起HMRC不必要嘅懷疑，就好難講。當然佢查你未必等於有問題, 但你要答問題又要揾證據都煩啦.
@@SmallFishBa 我明白是不犯法，好多初創企業都是這樣，但人地真係有生意做緊，有概念，不過未搵到如何賺錢？
13:42 Class 4呢?
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
Hi Simon。 Class 4都係自僱嘅NI，但係盈利多於£12,570先要交。低過就唔洗。所以如果 sole trader 盈利界符£6,725及£12,570之間就 class 2 同 class 4 都唔洗俾但係又照樣有 qualifying year。
小魚爸兄：想問吓N I係咪 tax deductible expenses? 即係扣唔扣得稅呢？
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
Hi Kenneth. NI並不可扣稅。
請教2021-22年度做了4個月earn多過￡6500，想追返qualify year, 點操作？
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
如果你當年係有交NI, 交NI嘅收入又高過 LEL x 52, 應該係有qualifying year. 可以入返 HMRC online service check.
你好！小魚爸.我在3月22入咗ajbell到現在還未收到tax refief,我担心我弄錯.所以想听听你意见.很多謝你回覆😊
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
Hi Tina, 謝謝你。SIPP 嘅 Tax relief 我都未收到。我用AJ Bell, 以AJ Bell 的講法，假設我4月5日入錢，要等到5月25 tax relief先會到。
"It depends when you pay into your SIPP. If we receive your SIPP contribution on or before the 5th of the month, we’ll reclaim the basic-rate tax relief from HMRC and pay it as cash into your SIPP account on the 25th of the following month.
For example, if we receive your contribution on 1 April, we’ll pay the tax reclaim into your account on 25 May. However, if we receive your contribution on 6 April, we’ll pay your tax reclaim on 25 June."
www.ajbell.co.uk/faq/when-will-i-receive-tax-reclaim-contributions-paid-my-sipp
請問今年報稅，在哪兒可找到外幣對換表？因有歐元利息。
或有否link? 謝謝
@@TiffanyLee-t9k www.trade-tariff.service.gov.uk/exchange_rates
Thanks
Thank you so much for explaining the details! The calculation is really complicated 😆😆😆
you are welcome. it is quite complicated.
如果六十歲到英國交Ni至退休，會有機會拿到退休金😊多謝謝😊
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
以現制就唔會啦。一定唔夠十年。供少過十年唔會有得攞 state pension。
@@SmallFishBa 多謝意見分色·
你好 小魚爸
想請教下 如果我老婆全年總收入係 7000, 但佢係打兩份 part time.
Part time A 賺 4500
Part time B 賺 2500
我上網睇佢 NI credit 好似係逐份工睇
咁我老婆呢個例子儲唔儲到 NI credit 呢? Thanks 🙏🏻
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
Hi All-in!BNO。 NI同稅唔同, NI係逐份工作計。Part time A同Part time B 都唔過 Lower Earning Limit，以我理解就應該唔會有Qualifying Year。
@@SmallFishBa 感謝 🙏🏻咁 NI 制度其實對炒散人士唔友好
謝謝分享😊
謝謝收看
想請教下，因為全年得earn £5900，差咗少少，想問吓點樣可以補返個gap？謝謝🙏🏻
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
Hi 愛沙之魚。如果你係 Class 2 NI (自僱)，喺報 self assessment 嘅時候可以交埋。 如果係打工，要交 Class 3。 要有個18-digit 嘅 Payment Reference 先得。Call HMRC 佢可以gen一個俾你。 HMRC亦都建議交 Volunatary NIC 之前最好call 佢哋等你清楚自願供款真係對你有利先。
www.gov.uk/pay-voluntary-class-3-national-insurance/make-an-online-or-telephone-bank-transfer
@@SmallFishBa 謝謝你呀！🥲諗起要打電話比HMRC就想喊…之前有啲tax code嘅嘢要打比佢地整，等咗一粒鐘先有人聽…🥲不過我都會試下
Thanks for sharing !!!
My pleasure!!
請問如果只是得利息收入 (Exceed 10,000 pounds), 可以供NI 嗎 ? Thanks
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
Hi Andy. 可以。但如果唔係自僱, 想自願性供NI就只可以經 class 3。
自愿供class3有点贵
多謝你
謝謝收看
謝謝小魚爸分享. 長知識😊
想請教一下假設納稅人在退休時已經滿足了十年qualifying year 之後打算搬去低成本生活的地方生活⋯ （如泰國等⋯）
仍可繼續領取state pension 嗎？🧐
本人並非稅務或財務專家，以下純粹我個人理解，非專業意見 👇
Hi Veronica. 可以。但唔會有得每年加。第三十條(第四集)會講到。
@@SmallFishBa 謝謝你. 期待第四集分享👍😊
Thank you 😊
You're welcome 😊
你好小魚爸，我以7O歲同仔開聯名開戶口可否。謝謝！
你好Yinfoon。 我估你係講緊銀行戶口。可以呀，18歲以上就可以。