Unlike, workplace schemes, you will need to claim tax relief on personal pensions yourself.

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Under the complex tax rules, if the worker moves between different assignments but remains employed by the same company, they can claim tax relief on the expenses covering their travel from home to those different places of work.

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The global equity derivatives division had already lost heavily last July (as, to be fair, had other investment banks), when the British government unexpectedly changed tax rules so that investment banks could no longer claim tax relief on dividends if shares are held for trading rather than investment.

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Full details, including the start date for the relief in various locations and information on how to claim a disaster loss by amending a prior-year tax return, can be found in tax relief announcements for individual states on the IRS website, www.

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You must generally claim innocent spouse relief within two years after the IRS first tries to collect a tax debt.

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