The Covid-19 outbreak has meant that it’s unlikely any of us will be travelling any time soon. However, virtual escapism remains on the cards for anyone with an internet connection. You can now see some of the world’s most amazing travel experiences from the comfort of your chair. Best of all, you don’t even have to bother with flying or crowds of tourists. Don’t let anyone tell you that the lockdown doesn’t have its positives!
Here are some of our favourite virtual tours:
The Louvre
The Louvre is the world’s largest art and antiques museum, and is definitely an essential visit for any culture aficionados. The museum closed its doors on 13 March as Paris went into lockdown but this doesn’t mean that you can’t see some of its world class exhibitions. From Egyptian antiquities to the Galerie d’Apollon, online visitors are blessed with a wealth of cultural gems. You aren’t able to marvel at the famous glass exterior, but you can find out about the history of the paintings and the gallery.
The northern lights
The northern lights are one of nature’s most incredible sights. Caused by electrically charged particles from the sun interacting with the earth’s magnetic field, the aurora borealis can be seen in the world’s most northerly and therefore coldest regions. Well, the virtual tours courtesy of Lights Over Lapland mean that you can see them without braving the biting arctic cold. The tour takes visitors on a five-minute journey through a series of high definition 360 degree videos.
Zhāngjiājiè national forest park, China
This is a wonder of the world you might not have heard about before. The quartz-sandstone pillars of Zhāngjiājiè (pronounced jaang-jyaa-jie) are simply breathtaking. These dramatic pinnacles rise out of the thick forest creating a landscape like no other, full of mystery and awe. The interactive video tour allows visitors to see the landscape from a high-definition 360 tour.
Jerusalem, Israel
Jerusalem is blessed with a rich history that dates back to 3000BC and is home to religious sites important to Muslims, Jews and Christians. Israel is currently promoting a series of virtual tours which let you visit many of the city’s religious sites with an informative voiceover that gives you an insight into the history of the city.
Grand Canyon, Arizona
At 277 miles in length and 1,857 metres deep at its deepest point, it’s not hard to understand how the canyon got its reputation as one of the world’s most breathtaking places. This virtual reality archaeological tour lets you go a little deeper than most other tours. Click on geological features to learn about their formation.
Self-employed? Will you fall through the cracks?
Wednesday, April 1st, 2020The Chancellor’s coronavirus support package for the self-employed and freelancers has been welcomed. Many in that category were worried that they had been forgotten.
Rishi Sunak reassured them, however, that this was not the case and outlined the details of the new scheme that would treat them in a similar way to employees who had been furloughed and were receiving 80% of their salaries through PAYE under the Job Retention Scheme.
Under the new scheme, the self-employed will be eligible to receive 80% of their average monthly profits for the last three years up to a maximum of £2,500 per month. This is subject to them having an overall trading profit of less than £50,000. Initially, the scheme will last for three months but this may be extended.
Although the scheme is thought to cover 95% of those who make their income from self- employment, it is feared there will be a few people who could fall through the gaps.
Who won’t qualify?
The first issue is that the support won’t be available until June. Individuals will need to apply through an online portal which has not yet been launched although they have been assured that payments will be backdated to 1 March.
Secondly, in order to qualify for the scheme, a self employed person has to have submitted a 2018/19 self assessment tax return. This condition has been included to mitigate against fraud but it means that if someone has been freelance for less than a complete tax year, they will not be eligible.
The Chancellor indicated that anyone who only started trading in 2019/20 would need to look to the welfare system for extra support by applying for a business interruption loan or for universal credit.
This would also apply to those who have dissolved a limited company recently and become a sole trader in response to the impending changes to the IR35 rules.
Where one-director companies sit
It’s believed that people who are self-employed but who provide their services through a limited company are likely to fall through the cracks. The HMRC self-employed guidance does say that, “If you’re a director of your own company and paid through PAYE you may be able to get support using the Job Retention Scheme (JRS).”
It’s unlikely, however, that people with personal services companies (PSCs) will be able to benefit from the self-employed package. Directors often pay themselves a low salary but top up their income with dividends. So even if they qualified under the Coronavirus Job Retention Scheme, they would be unlikely to receive a significant payment as they would be eligible for up to 80% of their salary and dividends would not count for support.
As Heather Self from the accountancy firm Blick Rothenberg explained, “If you’re an employee of your PSC, it’s going to be difficult (impossible?) to be furloughed and qualify for the Jobs Retention Scheme.”
Mr Sunak has admitted the rules have had to be devised in haste and will not be perfect for everyone straightaway. On the positive side, a group of fintech entrepreneurs are developing a prototype to help self-employed workers use historic banking information to prove previous income and predict any future loss of income.
If you have any queries about where you stand, do not hesitate to get in touch with us.
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