National minimumwage rates from 1.10.2011 issued by Low Pay Commission
The NMW rates are reviewed each year by the Low Pay Commission and from 1 October 2011
•the main rate for workers aged 21 and over will increase to £6.08
•the 18-20 rate will increase to £4.98
•the 16-17 rate for workers above school leaving age but under 18 will increase to £3.68
•the apprentice rate, for apprentices under 19 or 19 or over and in the first year of their apprenticeship will increase to £2.60
Inheritance Tax basics - Not everyone pays Inheritance Tax
Comments 0Capital Gains Tax is a tax on capital gains
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Student loans and student finance, an introduction
Full-time students can apply for:
•a Tuition Fee Loan to cover tuition fees
•a Maintenance Grant and Maintenance Loan to help with living costs
Part-time students can apply for:
•a Fee Grant to help with tuition costs
•a Course Grant to help with study costs
Student loans
Full-time students can apply for student loans to help with their study costs. Student loans are not available to part-time students in 2010/11 or 2011/12. The loans available to full-time students are:
•a Tuition Fee Loan - to cover tuition costs in full (the maximum your tuition can cost is £3,290 in 2010/11 and £3,375 in 2011/12, except Scotland where it costs £1,820 or £2,895 for medicine)
•a Maintenance Loan - to help with accommodation and other living costs (how much you get depends on where you live and study and your household income)
You start paying student loans back from 6 April after you graduate or leave your course and earn over £15,000.
Making a complaint about faulty goods – what to do first
Before you complain:
•make sure you can prove you bought the item or service from the trader, eg with a receipt, invoice or bank statement
•find out if the trader has a complaints procedure you need to follow, eg a form you need to fill in online
•collect all the documents that will support your complaint such as quotes, photos of the fault and emails between you and the trader
For practical consumer advice call 08454 04 05 06