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Small biz MoneySaving

Archives for December 2009

Mortgage on house/shop - help!
Cross-posted frommortgage board as no-one on there has responded! We are looking to downsize & to combine work & business in a cheaper property. We currently own a house & rent a shop, paying £8k pa in rent. We are looking to buy a cheaper property which includes a shop which was rented out until recently. Is there any way…
Website design from easyspace 50% off till tomorrow. Thoughts please.
Hi everyone. I have domains with easyspace and they have offered to design and build a 5 page website for £650 and a custom built website with 10 or more pages for £800. All 50% reduction as part of Jan sale. I have no idea on website prices, no IT skills myself and no contacts. I am looking for a site with mainly…
Need to find website provider already have domain name.
Hi my friend has a business and purchased a domain name off some printing shop which we now have to try and get all the details from. She needs a website with no ads, a paypal shop, about 10 pages and nothing huge on the storage as only photos no video. What would people recommend?
Asking landlord to release us from lease
Hi At the moment, we have a short lease on a shop. The landlord plans to demolish theshop & build housing & originally asked for a lease of 3 months with 3 months notice. Our solicitor advised us to ask for a longer term & we now have alease of two years with 6 months' notice of which we've stayed for 12 months, i.e. it's…
Are DHL even bothering to deliver since it snowed 2 weeks ago?
I've been expecting a parcel on next day delivery that was dispatched from my supplier on 20th December. The roads have been fine - even I've been out on them. The postie and UPS have got through. Where is my parcel from DHL then?? I had to let some of my customers down for Xmas presents which I do not feel good about,…
Google Apps for Business
anyone use it? I am looking for a cheap and effective tool to be able to send and receive email professionally, rather than having an @googlemail address which simply looks unprofessional, this allows me to be able to run an office package without the expense of having to buy microsoft office... this would help as I am…
VAT Rate Change
I run a holiday cottage company whereby people pay a deposit and then some months later pay the balance for a holiday cottage booked. Therefore I have deposits from some people for bookings next year and full payment from some people for bookings next year. Can anyone advise me on what rate of VAT I should pay? Would the…
Business plan
We are planning to set up a private college. Do all businesses need a written business plan? How do I get a 'specific' template? Any advice appreciated.
Forms for company registration
Hi, where is the cheapest way to get the following forms to set up a company. I have already completed the IN01 to set up a company. Memorandum and Articles of Association for a Private Company Limited By Shares Articles of Association (Table A)
Bankruptcy and starting a new business
Hello all, I am starting a new business in the new year, however have been declared bankrupt (in november 2007). I am having trouble getting public liability insurance, has anyone had similiar difficulty? thanks & merry xmas
registering a hobby for tax purposes
Hi For a while I have been making craft items purely as a hobby but recently there has been an interest from people wanting to buy the odd item. I don't want to turn it into a business as such with all the admin involved - paperwork, opening business acoount, self assessment etc and don't envisage making more than a few…
cheaper carrybag printers
Hi Im in the need f carriers bags for my shop. so far im getting quotes like this Is there a cheaper bag printers that any one has used. As I dont want to really use plain bags for the shop. [FONT=&quot]1,000[/FONT] [FONT=&quot]8x12” White 300g Punched Handle Carriers Printed 1 Colour 2 Sides[/FONT]…
Temporary Admission procedures
Greetings, I am not sure if it's the right place for me to ask my question here, but I would really appreciate if you could give me some hints regarding Temporary Admission procedures: I am buying a camera from ebay united states for my brother who is residing /a citizen in South Africa, will be visiting me in March and…
Information please about starting a taxi firm?
Hi, my husband has been thinking about starting a taxi firm for some time. Now, I know that the current economic climate means that business in this area is not as busy as before but, he'd still be interested to hear from anyone who runs or works for a taxi firm. Any information about costs of equipment, rates for drivers…
sole trader adding partner
Hi My wife has recently changed jobs and is looking to go self employed. I am already self employed. I will be doing all of the paperwork for my wife, both working from home, so it it easier and more tax efficient to make my wife a partner in my business or to have two seperate sole traders? We will be earning around 80…
Lost Thread
Wasn't there a thread on here last night where someone was offering to design a website or a blog for an MSE'r for free as long as he could use it for his portfolio? I was going to ask him to consider my current blog foe a re-vamp but I can't find it now. Any ideas where it is ? :beer:
tax return question
Hi , I became self employed in Jan 2009 with a view to buy and renovate properties, however due to the financial meltdown/property crash I was unable to purchase any properties and therefore m yet to make any money, my question is do i still need to fill out tax return form, i have been given conflicting information and…
Return policy
We have a shop selling lots of giftware and homeware. On the counter there is a clear sign stating that we only offer an exchange of goods or credit note if a customer would like to bring back the goods in the original condition in the original packing within 7 days of purchase. However, this doesn't affect their statutory…
Is it earnings or profit for small business?
Hi, Trying to complete tax return for OH who has started working as a self employed plumber for last three years. I keep a record of the cash that comes in and he incurrs some expenses, diesel etc. Do I simply take cash income - expenses = income OR should I be calling this profit? Also trying to inform Working Tax Credit…
how young can you officially start a business
i have a 15 year old and 14 year old son, who want to start their own business. it will only be for a few hours a week, so was just wondering where they stood, when it came to tax, obvioulsy they will not be allowed to have a business account at their age etc, but they wil be paid by cheque etc

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Small biz MoneySaving

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