National Insurance (NI) is the name given to the British social security tax; national insurance contributions are paid by employers, employees and the self-employed to a national fund from which benefits are provided in certain events, such as, unemployment, sickness or other incapacity, maternity, and retirement. In essence NICs are a tax on earned income and are calculated according to an employee’s earnings, and also on benefits in kind that an employer gives an employee.
National Insurance Contributions are divided into four classes, with Class 1 paid by employees (primary contributions) and employers (secondary contributions), Classes 2 and 4 by the self-employed, and Class 3 by anyone wishing to make up payments to meet the requirements for receiving associated state benefits.
People who are self-employed are legally obliged to pay Class 2 National Insurance Contributions as a flat rate payment collected by the Inland Revenue. The weekly contribution rate is £2 for earnings over £4,095 per annum. Contributions are payable between the ages of 16 and retirement age (60 for women and 65 for men). These contributions count for Incapacity Benefit, Retirement Pension, Widow’s Benefit and Maternity Allowance but not for contribution-based Jobseeker’s Allowance. To start making contributions form CWF1 ‘Notification of Self-employment’ must be completed. Any subsequent changes in circumstances, such as a change of address, trading title or even telephone number, should be reported to the Inland Revenue. In addition, a self-employed business may have to pay Class 4 NICs which are based on a percentage of annual profits. It should be noted that a self-employed person does not need to pay NICs if they are sick or have Small Earnings Exception.
Employees are liable to pay Class 1 NIC on their earnings in addition to a further secondary contribution due from the employer but contributions are only due when earnings exceed a ‘primary threshold’ (currently £89 a week). The amount payable is 11% of the earnings above £89 up to earnings of £595 a week. There has been a further 1% charge on earnings above £595 a week since 6 April 2003. Secondary contributions are due from the employer of 12.8% of earnings above the ‘primary threshold’. Employer’s payments have no upper limit and it should be noted that employers providing benefits in kind such as company cars for employees have a further NIC liability under Class 1A. Contributions are payable on the amount charged to income tax as a taxable benefit.
Class 1 contributions and PAYE are payable at the same time (monthly). Class 1A contributions are not due until 19 July after the tax year in which the benefits were provided. Earnings for NI purposes include salaries and wages, holiday pay, bonuses, commissions and fees and certain termination payments. Expense payments will normally be outside the scope of NI provided that they are specific payments in relation to identifiable business expenses. Round sum allowances are not recommended as they give rise to a NI liability. As a general rule benefits do not attract Class 1 NIC liability with the exception of stocks and shares, most vouchers, other assets which can be easily converted into cash and the payment of an employee’s liability by an employer.
Directors are employees of the company and are therefore obliged to pay Class 1 NIC. Employee’s NIC liability is higher than for a Self-employed individual with profits of an equivalent amount. Hence there is an incentive to claim to be self-employed rather than employed. Normally if a person has investment and profit responsibility, managerial control for their operation, the right to employ and dismiss and the right to work and not to work for client, that person is in business for their own account. In practice it can be a complex area where professional advice should be sought at an early stage and in any event certainly before obtaining a written ruling from the Inland Revenue – should Inland Revenue discover that someone has been wrongly treated as self-employed, they will re-categorise them as employed and can be expected to seek to recover arrears of contributions from the employer.
Inland Revenue is expected to make over 100,000 compliance visits annually. It is advisable to keep records supporting any NI payments made as Inland Revenue is entitled to collect any additional NIC that may be due for both current and prior years. Any arrears may be subject to interest and penalties.
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The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.
Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.
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Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.
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This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.
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Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.
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Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.
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Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.
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I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)
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This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.
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This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.
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The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.
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Apple now has Rhapsody as an app, which is a great start, but it is currently hampered by the inability to store locally on your iPod, and has a dismal 64kbps bit rate. If this changes, then it will somewhat negate this advantage for the Zune, but the 10 songs per month will still be a big plus in Zune Pass’ favor.
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The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.
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