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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
  • 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

  • Accounts
  • Business angels
  • Business grants
  • Cash or credit
  • Cost management
  • Credit cards
  • Credit management
  • Dealing with the bank
  • 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
  • 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
  • New legislation
  • Parking
  • Red tape
  • Training
  • Wrongful trading

Marketing

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

Miscellaneous

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

News

  • News

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
  • 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
  • Benefits in kind
  • Capital allowances
  • Capital gains tax
  • Cash accounting
  • Company cars
  • Corporation Tax
  • Dealing with the taxman
  • Director's loan accounts
  • Employer loans
  • Expenses
  • Family employees
  • Gifts
  • 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 19 - issue 20 - 11.07.2018

TAX

Childcare - more good news

In March 2018 HMRC put back the deadline for employer childcare schemes. It’s now gone a step further by extending the exemption to certain payments outside the scheme. What’s the full story?

SALES

Irrelevant alternatives to boost webshop sales

Recognising a growing trend away from traditional sales channels, you’re keen to make more of your website sales. How could a TED Talk that’s almost a decade old help you set effective online prices?

TAX - CAPITAL GAINS

Avoiding HMRC’s anti-avoidance trap for entrepreneurs

You plan to wind up your current business and use the money to start a new one. Your accountant warns that tax anti-avoidance rules might block the tax break on the old business. How can you prevent this?

PERSONNEL

Self-employed contractor was really employed

In June 2018 the Supreme Court ruled that a plumber was a worker directly engaged by the company that had hired him, rather than an “independent contractor” as stated in their contract. Why did this happen?

VAT - BENEFITS

Staff perks - are you missing out on VAT recovery?

Sometimes you provide perks to your employees as a reward. Your last bookkeeper didn’t reclaim the VAT on these as she said it wouldn’t save you money. But your new bookkeeper says you should reclaim the VAT. Who is right?

PR/PROMOTION

Get yourself an award?

It’s business awards season again and you’ve been receiving e-mails encouraging you to apply. But is the effort (and sometimes the entry fee) really worth it or are these awards a bit of a sham?

PERSONNEL

The potential in part-time working

You’re recruiting for a new admin assistant. The role is full time, but you’ve had some interesting candidates apply that can only work part time. Is this something you should think about?

FINANCE

£4 million for plastic waste reduction ideas

COMPANIES HOUSE

Invite to the Companies House user panel

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