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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

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
  • 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
  • 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
  • Data protection
  • Domain names
  • Emails
  • IT requirements
  • Meetings online
  • Miscellaneous
  • Phones
  • Virtual assistants
  • Viruses and hacking
  • 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
  • Entrepreneurs' relief
  • Equipment used by employees
  • 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
  • Pension contributions
  • Personal allowances
  • Raising finance
  • 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 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

  • Miscellaneous
  • National Insurance
  • Tax

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


Year 20 - issue 18 - 12.06.2019

TAX

MTD - practical problems emerge

As businesses get to grips with Making Tax Digital for VAT (MTDfV) there have been a few teething problems with HMRC’s systems. If you’ve signed up to it, or are about to, what do you need to know about these?

CASH FLOW

Avoid a cash flow crisis

One in seven businesses has been left unable to pay staff due to cash flow issues. With fears over the economy rising is it time to change your approach? How might cash flow forecasting help?

TAX

Tax-free cash from your company

You need extra spending money for your summer holiday. As your company has plenty in the bank you’re considering transferring some to your personal account or using your company credit card while away. Which option is more tax efficient?

RAISING FINANCE

Where to find the money?

Many businesses have put their development plans on hold. The perception is that credit is scarce and that most small business loan applications are routinely rejected. If you need funding, where can you turn in the current climate?

TAX - SELLING A BUSINESS

An entrepreneurs’ relief trap for departing directors

In 2018 the already tricky rules for entrepreneurs’ relief (ER) were made tougher for director shareholders. If you’re planning to sell your shares what should do should you be watching out for?

INTELLECTUAL PROPERTY

Who owns your business logo?

An employee has offered to create a distinctive logo for your business which could be used on its website, letterhead and all marketing materials. You’re happy for them to proceed, but how can you be sure that you own the logo?

PRODUCTIVITY

Present but not always correct

The idea that staff are always ready for action should make all bosses happy. But so-called “presenteeism” is not always good news. What can you do about it and what are the benefits to the business?

PROPERTY

Important changes for investment landlords

CONTRACTS

Q&A - is no deal Brexit a force majeure event?

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