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Tips & Advice You & Your Business

Your fortnightly guide to maximising your personal and business profits

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Here are some of the topics we cover:


Banking

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

Brexit

  • Brexit
  • Effect on contracts
  • Government guidance

Business management

  • Capacity planning
  • Crisis planning
  • Key performance indicator (KPI)
  • Mentors
  • Trade disruption

Buying/selling a business

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

Cars and vans

  • Company cars
  • Compensation for damage
  • Environment friendly
  • Family use
  • Finance
  • Fuel charges
  • Insurance
  • Mileage allowances
  • Parking tickets
  • Road traffic law
  • Running costs
  • Second cars
  • Tax
  • VAT

Commercial law

  • Advertising
  • Bidding for work
  • Commercial law
  • Consumer law
  • Intellectual property
  • Miscellaneous
  • New legislation
  • Teaser pricing
  • Unfair pricing

Company law

  • Accounting reference date
  • Accounts
  • AGM
  • Annual returns
  • Articles of association
  • Board meetings
  • Community interest companies (CICs)
  • Companies act
  • Companies house
  • Company documents
  • Company formalities
  • Company name
  • Company registration
  • Company secretary
  • Confidentiality
  • Director disqualification
  • Directors' duties
  • Directors loans
  • Dismissing a director
  • Dividends
  • Forming a company
  • Miscellaneous
  • Non executive directors
  • Qualifying as a director
  • Resolutions
  • Shadow directors
  • Shareholders
  • Shareholders' agreements
  • Shareholders meetings
  • Share valuations
  • Website requirements
  • Winding up a company
  • Wrongful trading

Contracts

  • After-sales obligations
  • 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

Coronavirus

  • News

Corporate social responsibility

  • Implementation

Cost cutting

  • Cost cutting
  • Lease vs purchase
  • Miscellaneous
  • Office space
  • Productivity
  • Professional fees
  • Saving costs
  • Stock control
  • Utilities

Data protection

  • Data protection
  • Data subject access reviews
  • 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 energy
  • Green initiatives
  • Miscellaneous
  • Reducing waste
  • Vehicles
  • 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
  • Making a complaint
  • Miscellaneous
  • Raising finance
  • Share selling
  • Trade references
  • Venture capital

Health & safety

  • Accident investigation
  • Accident management
  • Consultants
  • Directors liability
  • DSE
  • Employers liability
  • Enforcement action
  • Fire safety
  • First aid
  • Health & safety
  • Insurance
  • Meetings
  • Miscellaneous
  • noise
  • Portable appliance testing (PAT)
  • PPE
  • Property
  • Risk assessment
  • Safety notices and warnings
  • Self-employed contractors
  • Sickness prevention
  • Staff canteens and food
  • Stress
  • Temperature
  • Toilet facilities
  • Violence against staff

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
  • Cyber security
  • Data protection
  • Domain names
  • Emails
  • IT requirements
  • Laptops and portable devices
  • Meetings online
  • Miscellaneous
  • Phones
  • Tax and VAT issues
  • Virtual assistants
  • Viruses and hacking
  • Web browsing
  • Websites
  • Wi-Fi provision

Landlord and tenant

  • Bailiffs
  • Dilapidations
  • Directors guarantees
  • Forfeiture
  • Landlord's obligations
  • Lease or licence
  • Miscellaneous
  • Protected lease
  • Rent arrears
  • Rent review
  • Repairs
  • Respossession
  • Service charges
  • Tenant fees and charges

Legal compliance

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

Marketing

  • Advertising material
  • Advertising standards
  • Business awards
  • Business purposes
  • Naming a business
  • online marketing
  • Price setting
  • PR management
  • Social media
  • 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
  • Coronavirus
  • Health, safety and environment
  • New legislation
  • News
  • Personnel
  • Property
  • Tax
  • VAT

Overseas trade

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

Payroll

  • End of year procedures
  • Foreign workers
  • RTI
  • Student loans

Pensions

  • Auto-enrolment
  • State pension
  • Tax relief

Personnel management

  • Annual leave
  • Appraisals
  • Attendance
  • Bonuses
  • company driving policy
  • Company driving policy
  • Compensation
  • Contracts
  • Cutting costs
  • Delegation
  • Disciplinary procedures
  • Discrimination
  • Dismissal
  • Disputes
  • Employee costs
  • Employment status
  • Equal pay
  • Expenses payments
  • Fit notes
  • Flexible working
  • Freelance workers
  • Grievances
  • Harassment
  • Maternity
  • Mediation
  • Minimum wage
  • Miscellaneous
  • Misconduct
  • New employee statements
  • Notice periods
  • Part-time employees
  • Part-time workers
  • Pay reviews
  • Payroll
  • Pensions
  • Performance management
  • Probationary period
  • Recruitment
  • Redundancy
  • References
  • Resignations
  • Rest breaks
  • Restrictive covenants
  • Retirement
  • Right to work
  • Sabbaticals
  • Service agreements
  • Sickness
  • Smoking
  • Staff productivity
  • Staff surveillance
  • Statutory rates
  • Telephone, e-mail, internet use
  • Training
  • TUPE
  • Varying employment terms
  • Working conditions
  • Working time
  • Workplace internet use
  • Workplace meetings
  • 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
  • Health and safety
  • Miscellaneous
  • Occupiers Liability
  • Office space
  • Planning permission
  • Tax

Scams

  • Company hijacking
  • Grants
  • Scams
  • Social media
  • Telephone and broadband 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

  • Accountancy fees
  • Agency rules
  • Assessments
  • Benefits in kind
  • Capital allowances
  • Capital gains tax
  • Cash accounting
  • Charity related issues
  • Code numbers
  • Company cars
  • Corporation Tax
  • Dealing with the taxman
  • Digital supplies
  • Director's loan accounts
  • Director's transactions with company
  • Employer loans
  • Entertaining
  • Entrepreneurs' relief
  • Equipment used by employees
  • Exempt income
  • Expenses
  • Family employees
  • Gifts
  • Home to work travel
  • Homeworking
  • Imports and exports
  • Inheritance tax
  • Investment income
  • IR35
  • Landfill tax
  • Loan interest
  • Loss relief
  • Making tax digital
  • Miscellaneous
  • MOSS
  • National Insurance
  • Offshore investments
  • Online filing
  • Optional remuneration arrangements
  • Option to tax property
  • P11D
  • PAYE
  • Penalties
  • Pension contributions
  • Personal allowances
  • Raising finance
  • Rate bands
  • Safety equipment
  • Salary sacrifice
  • Salary vs dividends
  • Sponsorship
  • Staff tips and gratuities
  • Stamp Duty Land Tax
  • Tax avoidance
  • Tax codes
  • Tax credits
  • Tax deductions
  • Tax-free benefits
  • Tax-free childcare
  • Tax incentive scheme investments
  • Tax investigations/enquiries
  • Tax payments
  • Tax records
  • Tax returns
  • Termination payments
  • Training costs
  • Training expenses
  • VAT
  • VAT bad debt relief
  • VAT recovery
  • VAT registration
  • VAT returns

Travel

  • Compensation
  • Delay compensation
  • Miscellaneous
  • National Insurance
  • Tax

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


Year 21 - issue 19 - 24.06.2020

CORONAVIRUS - ANNUAL LEAVE

Payments in lieu of minimum holiday?

Under new rules, employees can carry certain holiday forward for up to two years if they’ve not been able to take it due to coronavirus. To prevent this, could you pay them in lieu for that holiday instead?

CORONAVIRUS - CAPACITY

Managing capacity post-lockdown

The economy is starting to open but with demand likely to be down and concerns over staffing, you’ve started thinking about the balance of capacity versus level of business. How do you get this right to maximise profitability?

CORONAVIRUS - FURLOUGH FRAUD

Furlough fraud under scrutiny

The Coronavirus Job Retention Scheme (CJRS) is a financial lifeline for many businesses and their employees. Now, HMRC wants to expand its powers to tackle those who exploit the scheme, holding directors personally liable where necessary. What do you need to know?

IT - PRODUCTIVITY

How to optimise employee collaboration

With homeworking becoming the “new norm” for many businesses, having the ability to collaborate with others on projects has become a key requirement. Is Samepage a solution worth considering in your business?

TAX - REDUNDANCY

Is there a tax deduction for making your spouse redundant?

Our subscriber is in the throws of a divorce. Her spouse is employed by her company but has agreed to leave in exchange for a pay-off. Our subscriber wants to know if she can make him redundant and so claim a tax deduction for the pay-off?

BUSINESS TRANSFERS

TUPE transfers and enhanced terms

You’re interested in taking over another company which is struggling due to the pandemic. You’ve noticed that the directors recently awarded themselves enhanced terms. Would you be obliged to honour these terms?

CORONAVIRUS - COSTS

Return to work savings

During the coronavirus lockdown, many businesses will have closed their offices with staff working from home. However, most will return to the office or site at some point. What are the five overheads where you can cut costs as you get back to business?

CORONAVIRUS - VAT

Do we have to pay back the VAT?

TAX - PAYROLL

Employment allowance - claiming it correctly

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