Taxpayers face millions in fines for not completing tax returns - even if they do not owe tax or are owed a rebate by HMRC!
Taxpayers who do not owe tax, or are even due a tax rebate from HM Revenue & Customs (HMRC), will be fined for the first time this year if they do not complete tax returns by January 31 2012.
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The protection gap - life assurance and pensions
Many leave the provision of life assurance and pensions to their employers, although unfortunately they do not consider whether, in the event of a claim, the benefits provided would be sufficient to allow a reasonably comfortable lifestyle to be maintained.
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