The question on UK tax low answers for a and b is there i need for c and d only

During the tax year 2020/21, Sona has Rental income of 50,000, Employment income of 120,000, Interest from Government Bond 12,000, Interest on National Savings Certificate 2,000. She borrowed a loan for the purchase of a computer system, she paid interest of 1,200, which is eligible to claim the deduction from total income (eligible interest). 4 a) You are required to assess the taxable income of Sona and Compute the tax liability for the tax year 2020/21. b) As of now, Sona has not thought about giving a donation to charity and/or contributing to the personal pension scheme. She needs your advice regarding the donation and personal pension scheme, if she donates 6,000 to charity and 8,000 to Personal Pension Scheme. You are required to analyze and advise Sona of the implication of donation and personal pension contribution. Your answer should include relevant calculations and tax-saving because of such donation and Pension Contribution. (150-200 words) c) Continuing (a) above, Sona heard about Saving Nil Rate Band and Dividend Nil Rate Band. But she is not sure about it. She could not understand why she is unable to get Saving Nil Rate Band for the (a) above. Anyhow, she is not bothered about Dividend Nil Rate because she does not have any dividend income. You are required to explain clearly the concept of Saving Nil Rate Band and Dividend Nil Rate Band. Explain why Sona is unable to claim SNR in (a) above. (100 - 150 words) d) After understanding the importance of Dividend Nil Rate Band in above, now she is planning to surrender her investment in National Savings Certificate and purchase shares of a UK company so that her income from Saving shifted to Dividend income. You are required to analyze and advise Sona, whether she can save any tax if she shifts her investment from National Savings Certificate to Shares. If no, give your best suggestion which income she can shift to the Dividend section to save b. Sona can make charitable donation under payroll deduction scheme. This will be an allowable donation from the Sona's employment earning for tax purposes. Here, Sona will get tax relief of 6000 and her employment income will be reduced by 6000. Also, if she contributes to the personal pension scheme then her basic rate band and higher rate band will increase by the gross amount of contribution i.e. 10,000. Therefore ,Sona's BASIC RATE BAND=47500 HIGHER RATE BAND=160000 Non savings Income Total 50,000 Property Drecone savings sante sturpoint 50,000 mo na 2 roove 120,000 Employment Jogger 080,F1 12000 182,00 11200) 18080 Income 120,000 tus 12000 Interest Income Total Income. 12000 170,000 Leve, Qualifying (1200) Poterest 20029 | 12000 168800 Net Pncome (ogel) Personal Allowance cos 12000 brons toh (Oleh-lecioned 37,500x 20-1- = 7soo 112,500 X 404 30,800x467. : Yox liability or 66360 Hille (0) 180800 169800391 049,3759 45000 ddoxot 13860 7 YA kaya0311 ? is exempt NSC 12.09 Interest . on During the tax year 2020/21, Sona has Rental income of 50,000, Employment income of 120,000, Interest from Government Bond 12,000, Interest on National Savings Certificate 2,000. She borrowed a loan for the purchase of a computer system, she paid interest of 1,200, which is eligible to claim the deduction from total income (eligible interest). 4 a) You are required to assess the taxable income of Sona and Compute the tax liability for the tax year 2020/21. b) As of now, Sona has not thought about giving a donation to charity and/or contributing to the personal pension scheme. She needs your advice regarding the donation and personal pension scheme, if she donates 6,000 to charity and 8,000 to Personal Pension Scheme. You are required to analyze and advise Sona of the implication of donation and personal pension contribution. Your answer should include relevant calculations and tax-saving because of such donation and Pension Contribution. (150-200 words) c) Continuing (a) above, Sona heard about Saving Nil Rate Band and Dividend Nil Rate Band. But she is not sure about it. She could not understand why she is unable to get Saving Nil Rate Band for the (a) above. Anyhow, she is not bothered about Dividend Nil Rate because she does not have any dividend income. You are required to explain clearly the concept of Saving Nil Rate Band and Dividend Nil Rate Band. Explain why Sona is unable to claim SNR in (a) above. (100 - 150 words) d) After understanding the importance of Dividend Nil Rate Band in above, now she is planning to surrender her investment in National Savings Certificate and purchase shares of a UK company so that her income from Saving shifted to Dividend income. You are required to analyze and advise Sona, whether she can save any tax if she shifts her investment from National Savings Certificate to Shares. If no, give your best suggestion which income she can shift to the Dividend section to save b. Sona can make charitable donation under payroll deduction scheme. This will be an allowable donation from the Sona's employment earning for tax purposes. Here, Sona will get tax relief of 6000 and her employment income will be reduced by 6000. Also, if she contributes to the personal pension scheme then her basic rate band and higher rate band will increase by the gross amount of contribution i.e. 10,000. Therefore ,Sona's BASIC RATE BAND=47500 HIGHER RATE BAND=160000 Non savings Income Total 50,000 Property Drecone savings sante sturpoint 50,000 mo na 2 roove 120,000 Employment Jogger 080,F1 12000 182,00 11200) 18080 Income 120,000 tus 12000 Interest Income Total Income. 12000 170,000 Leve, Qualifying (1200) Poterest 20029 | 12000 168800 Net Pncome (ogel) Personal Allowance cos 12000 brons toh (Oleh-lecioned 37,500x 20-1- = 7soo 112,500 X 404 30,800x467. : Yox liability or 66360 Hille (0) 180800 169800391 049,3759 45000 ddoxot 13860 7 YA kaya0311 ? is exempt NSC 12.09 Interest . on