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Tips & Advice You & Your Business

Your fortnightly guide to maximising your personal and business profits

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The following topics are covered on a regular basis...


Banking

  • Bank charges
  • Borrowing
  • Business plans
  • Changing bank
  • Direct debits
  • Miscellaneous
  • Offshore accounts

Buying/selling a business

  • Due diligence
  • Miscellaneous
  • Start up costs
  • Tax avoidance
  • TUPE
  • Valuation

Cars and vans

  • Company cars
  • Environment friendly
  • Family use
  • Finance
  • Fuel charges
  • Insurance
  • Mileage allowances
  • Parking tickets
  • Running costs
  • Second cars
  • Tax

Commercial law

  • Commercial law
  • Consumer law
  • Intellectual property
  • Miscellaneous
  • New legislation

Company law

  • Accounting reference date
  • AGM
  • Annual returns
  • Articles of association
  • Board meetings
  • Companies act
  • Companies house
  • Company documents
  • Company formalities
  • Company name
  • Company registration
  • Company secretary
  • Confidentiality
  • Directors' duties
  • Directors loans
  • Dismissing a director
  • Dividends
  • Forming a company
  • Miscellaneous
  • Non executive directors
  • Qualifying as a director
  • Resolutions
  • Shadow directors
  • Shareholders
  • Shareholders meetings
  • Share valuations
  • Winding up a company
  • Wrongful trading

Contracts

  • Cancellation
  • Charges
  • Contracts
  • Damages
  • Delivery
  • Exclusion/limitation clauses
  • Force majeure
  • Heads of agreement
  • Miscellaneous
  • Mistake
  • Phones
  • Price rises
  • Retention of title
  • Signing
  • Terms and conditions
  • Variation
  • Without prejudice

Cost cutting

  • Cost cutting
  • Miscellaneous
  • Office space
  • Professional fees
  • Saving costs
  • Stock control
  • Utilities

Data protection

  • Data protection
  • Documents
  • GDPR
  • ID theft
  • Information commissioner
  • IT equipment
  • Miscellaneous
  • Personal data
  • Personnel files
  • Registration
  • Sensitive information

Debt recovery

  • Court action
  • Debtor's status
  • Debt recovery
  • Debt recovery letters
  • Insolvency proceedings
  • Interest
  • Litigation
  • Miscellaneous
  • payment terms
  • Prompt payment code
  • Suing online

Directors' investments

  • Alternative investments
  • Gold
  • Miscellaneous
  • Pensions
  • Property
  • Scams

Directors liability

  • Accidents
  • Annual returns
  • Contracts
  • Corporate manslaughter
  • Debt recovery
  • Directors liability
  • Driving
  • Electronic communications
  • Environment
  • Fire safety
  • Health and safety
  • Immigration
  • Insurance
  • Landlord and tenant
  • Legal duties
  • Miscellaneous
  • Occupiers liability
  • Personal advice
  • Personal guarantees
  • Personnel
  • Shadow directors
  • Tax
  • Working time

Directors pay and benefits

  • Bonuses
  • Directors benefits
  • Directors expenses
  • Directors pay
  • Directors' tax
  • Dividends
  • Minimum wage
  • Miscellaneous
  • Paying a family member
  • Paying a spouse
  • Pensions
  • Share issue

Directors personal finances

  • Divorce

Directors status

  • Contractor
  • Miscellaneous
  • Non-executive director
  • Self-employed
  • Shadow directors
  • Shareholder
  • Status

Discrimination

  • Age discrimination
  • Bullying
  • Disability
  • Discrimination
  • Harassment
  • Miscellaneous
  • Personnel
  • Race discrimination
  • Sex discrimination
  • Victimisation

E-commerce

  • Data protection
  • Domain names
  • E-commerce
  • Electronic communications
  • Email
  • Internet
  • Miscellaneous
  • Website testing

Environment

  • Directors liability
  • Environment agency
  • Environmental protection
  • Green initiatives
  • Miscellaneous
  • Waste

Family companies

  • Employing family members
  • Husband and wife companies
  • Income shifting
  • Shareholdings
  • Tax avoidance

Finance

  • Accounting
  • Accounts
  • Accounts payable
  • Audits
  • Budgeting
  • Business angels
  • Business grants
  • Business valuation
  • Buying
  • Cash or credit
  • Cost management
  • Credit cards
  • Credit management
  • Dealing with the bank
  • Debt and invoice factoring
  • Government finance
  • Interest rates
  • Investors
  • Invoicing
  • Leasing
  • Miscellaneous
  • Raising finance
  • Share selling
  • Trade references
  • Venture capital

Health & safety

  • Accident investigation
  • Accident management
  • Directors liability
  • DSE
  • Employers liability
  • Enforcement action
  • Fire safety
  • Health & safety
  • Insurance
  • Miscellaneous
  • noise
  • Risk assessment
  • Sickness prevention
  • Temperature

HMRC

  • Budget announcements

Insurance

  • Buildings cover
  • Business interruption
  • Cars
  • Contingency planning
  • Cover for homeworking
  • D&O
  • Employers liability
  • Income protection
  • Keyman
  • Liability
  • Life assurance
  • Making a claim
  • Medical insurance
  • Miscellaneous
  • Premiums
  • Professional indemnity
  • Warranties

Intellectual property

  • Enforcement
  • Ownership

IT

  • Broadband options
  • Cloud computing
  • Data protection
  • Domain names
  • Emails
  • IT requirements
  • Miscellaneous
  • Phones
  • Wi-Fi provision

Landlord and tenant

  • Bailiffs
  • Dilapidations
  • Directors guarantees
  • Forfeiture
  • Lease or licence
  • Miscellaneous
  • Protected lease
  • Rent arrears
  • Rent review
  • Repairs
  • Respossession
  • Service charges

Legal compliance

  • Bailiffs
  • Companies act
  • Corporate manslaughter
  • Electronic communications
  • Enforcement action
  • Intellectual property
  • Legal costs
  • Licensing
  • Miscellaneous
  • Money laundering
  • New legislation
  • Parking
  • Red tape
  • Training
  • Wrongful trading

Marketing

  • Advertising material
  • Advertising standards
  • Business awards
  • Business purposes
  • online marketing
  • Price setting
  • PR management
  • Trade shows
  • Trends

Miscellaneous

  • Family law
  • Franchising
  • Hire cars
  • Insolvency
  • Invoices
  • IT
  • Jury service
  • Litigation
  • Miscellaneous
  • Money laundering
  • Professional services
  • Scams
  • Stock control
  • Travel
  • Vans

News

  • Banking, finance and insurance
  • Cars, vans and fuel
  • Commercial law
  • Company law
  • Consumer law
  • Health, safety and environment
  • New legislation
  • News
  • Personnel
  • Property
  • Tax
  • VAT

Overseas trade

  • Contract terms
  • Currency issues
  • Enforcement
  • International trade
  • Jurisdiction issues
  • Letter of credit
  • Liability issues
  • Miscellaneous
  • VAT on overseas deals

Payroll

  • End of year procedures
  • RTI
  • Student loans

Pensions

  • Auto-enrolment
  • State pension
  • Tax relief

Personnel management

  • Annual leave
  • Appraisals
  • Attendance
  • Compensation
  • Contracts
  • Cutting costs
  • Delegation
  • Disciplinary procedures
  • Discrimination
  • Dismissal
  • Disputes
  • Employment status
  • Equal pay
  • Expenses payments
  • Fit notes
  • Flexible working
  • Freelance workers
  • Grievances
  • Maternity
  • Mediation
  • Minimum wage
  • Miscellaneous
  • Misconduct
  • Notice periods
  • Part-time employees
  • Part-time workers
  • Payroll
  • Pensions
  • Performance management
  • Recruitment
  • Redundancy
  • References
  • Rest breaks
  • Restrictive covenants
  • Retirement
  • Right to work
  • Service agreements
  • Sickness
  • Smoking
  • Staff productivity
  • Statutory rates
  • Telephone, e-mail, internet use
  • Training
  • TUPE
  • Varying employment terms
  • Working conditions
  • Working time
  • Zero hours contracts

Professional services

  • Accountants
  • Freelance workers

Profit extraction

  • Benefits and expenses
  • Buying a property
  • Company cars
  • Directors loans
  • Family salary
  • Miscellaneous
  • Profit extraction methods
  • Remuneration
  • Tax avoidance

Property

  • Business rates
  • Buy to let
  • Environment
  • Miscellaneous
  • Occupiers Liability
  • Office space
  • Planning permission
  • Tax

Scams

  • Grants
  • Scams

Succession planning

  • Capital gains tax
  • Inheritance tax
  • Miscellaneous
  • Passing on the family company
  • Selling the family business
  • Tax avoidance
  • Tax planning

Tax and VAT

  • Agency rules
  • Assessments
  • Benefits in kind
  • Capital allowances
  • Capital gains tax
  • Cash accounting
  • Company cars
  • Corporation Tax
  • Dealing with the taxman
  • Digital supplies
  • Director's loan accounts
  • Employer loans
  • Expenses
  • Family employees
  • Gifts
  • Homeworking
  • Inheritance tax
  • IR35
  • Landfill tax
  • Loss relief
  • Making tax digital
  • Miscellaneous
  • MOSS
  • National Insurance
  • Offshore investments
  • Online filing
  • P11D
  • PAYE
  • Pension contributions
  • Personal allowances
  • Rate bands
  • Salary vs dividends
  • Sponsorship
  • Stamp Duty Land Tax
  • Tax avoidance
  • Tax codes
  • Tax credits
  • Tax deductions
  • Tax-free benefits
  • Tax-free childcare
  • Tax investigations/enquiries
  • Tax payments
  • Tax records
  • Tax returns
  • Termination payments
  • Training costs
  • Training expenses
  • VAT
  • VAT bad debt relief
  • VAT recovery
  • VAT returns

Travel

  • Miscellaneous
  • National Insurance
  • Tax

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In the most recent issue you'll find advice on...


Year 20 - issue 2 - 17.10.2018

TAX - IR35

IR35 contractor sues HMRC

A marketing consultant who worked for HMRC sued after she was forced onto the payroll because of IR35. HMRC conceded defeat. How might this outcome affect you?

BREXIT

Pile up some stock?

It’s been widely reported that some companies have started to stockpile supplies in the event of a “no deal” divorce from the European Union. Is this really something you should consider too?

VAT

Get a little extra VAT back on out-of-pocket expenses

Not every business expense comes with a VAT invoice or receipt. Without one you can’t be sure that VAT has been charged, which usually means there’s nothing you can reclaim. But there are exceptions. What are they?

INVOICING

Invoice finance to be more accessible to SMEs

The government plans to outlaw the practice of large companies preventing their SME suppliers from accessing invoice finance. Why are these contractual restrictions unfair, and what will the new law mean for SMEs?

EXPENSES

Is compensating an employee taxable?

A while ago one of your employees ripped her coat on a desk at work. You agreed to pay for a replacement. In a subsequent PAYE check an HMRC officer said the payment was taxable and you owe tax and NI. Can this be right?

STAFF COSTS

On call and unpaid?

You are keen to have someone available to answer queries out of hours. They can do this from the comfort of their own home but what are your responsibilities in terms of pay?

GDPR

Is an advisory visit from the ICO a good idea?

The Information Commissioner’s Office (ICO) is offering small and medium-sized businesses a free one-day advisory visit to help them improve their data protection practices. Sound like a good idea?

MARKETING

The perfect business card revealed

HEALTH AND SAFETY

HSE fines small business £32,000

Click on the image and browse through a sample issue of the printed newsletter...

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