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Tips & Advice You & Your Business

Your fortnightly guide to maximising your personal and business profits

Tips & Advice You & Your Business is... 

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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
  • Online

Brexit

  • Brexit
  • Effect on contracts
  • Government guidance

Buying/selling a business

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

Cars and vans

  • Company cars
  • 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

Company law

  • Accounting reference date
  • 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

Corporate social responsibility

  • Implementation

Cost cutting

  • Cost cutting
  • Lease vs purchase
  • 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
  • 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
  • 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
  • Health & safety
  • Insurance
  • Miscellaneous
  • noise
  • Portable appliance testing (PAT)
  • PPE
  • Property
  • Risk assessment
  • 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
  • Meetings online
  • Miscellaneous
  • Phones
  • Tax and VAT issues
  • Virtual assistants
  • Viruses and hacking
  • Websites
  • 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
  • Tenant fees and charges

Legal compliance

  • Bailiffs
  • 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
  • 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
  • Bonuses
  • company driving policy
  • Company driving policy
  • Compensation
  • Contracts
  • Cutting costs
  • Delegation
  • Disciplinary procedures
  • Discrimination
  • Dismissal
  • Disputes
  • Employment status
  • Equal pay
  • Expenses payments
  • Fit notes
  • Flexible working
  • Freelance workers
  • Grievances
  • Harassment
  • Maternity
  • Mediation
  • Minimum wage
  • Miscellaneous
  • Misconduct
  • Notice periods
  • Part-time employees
  • Part-time workers
  • Payroll
  • Pensions
  • Performance management
  • Probationary period
  • Recruitment
  • Redundancy
  • References
  • Rest breaks
  • Restrictive covenants
  • Retirement
  • Right to work
  • Service agreements
  • Sickness
  • Smoking
  • Staff productivity
  • Staff surveillance
  • 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
  • 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
  • Code numbers
  • Company cars
  • Corporation Tax
  • Dealing with the taxman
  • Digital supplies
  • Director's loan accounts
  • Employer loans
  • Entertaining
  • Entrepreneurs' relief
  • Equipment used by employees
  • Exempt income
  • Expenses
  • Family employees
  • Gifts
  • Home to work travel
  • Homeworking
  • Inheritance tax
  • Investment income
  • IR35
  • Landfill tax
  • Loss relief
  • Making tax digital
  • Miscellaneous
  • MOSS
  • National Insurance
  • Offshore investments
  • Online filing
  • Option to tax property
  • P11D
  • PAYE
  • Penalties
  • Pension contributions
  • Personal allowances
  • Raising finance
  • Rate bands
  • 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 returns

Travel

  • Delay compensation
  • Miscellaneous
  • National Insurance
  • Tax

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


Year 20 - issue 20 - 10.07.2019

TAX - CHILDCARE

A summer tax incentive for parents

HMRC is reminding parents about the benefits of Tax-Free Childcare (TFC), especially over the school summer holidays. Might you be missing out on a government freebie?

PROFESSIONAL FEES

Managing accountancy fees

You’ve recently changed accountants and have just received your first bill from them. The figure has shocked you a bit - it’s far higher than you were quoted. What can you do, and are there ways to cut the next bill?

TAX

Is it worth transferring ownership of a company car?

Your company owns a car that’s a little long in the tooth for business use, but it would make an ideal runaround for one of the younger members of your family. What’s the most tax-efficient way to get the car out of the company?

COMPETITION

How to avoid bidding problems

The Competition and Markets Authority has recently secured a fine against five companies engaged in a bid-rigging cartel - disqualifying the directors responsible. What can smaller businesses take from the case?

TAX

Staff tips and a VAT trap

Customer tips aren’t usually subject to VAT. However, it’s easy for employers to fall into a trap which can trigger VAT and cost you money. What is the trap and how can you avoid it?

PERSONNEL

Don’t make this redundancy exercise error

A managing director has landed his company in hot water after he informed a new employee that she was being made redundant “with immediate effect”. Why was this wrong?

HEALTH & SAFETY

Improving mental health for small business owners

Mental health awareness campaigns are everywhere, driving improvements in how employers approach depression, anxiety and stress. You want to ensure that your employees are healthy, but are you overlooking your own wellbeing in the process?

IT

small business cyber security guide

HEALTH AND SAFETY

Dirty mugs causing sickness absence

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

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