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Are you on the flat rate scheme for VAT?
Don't assume you're returning to the VAT rate you were on prior to the 17.5%/15%/17.5% changes. I used to pay 9%, this dropped to 8% this year, next year it goes up to 10%. Not best pleased. http://www.hmrc.gov.uk/pbr2009/pbrn33.htm
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Merchant Services
Thinking of changing from Barclays Merchant Services to Allied Irish Bank Merchant Services. This is thro Acceptcards.co.uk. Getting a lot better deal.......and as far as I can see the same terms BMS Commercial Credit Cards 1.77% Personal Credit Cards 1.5% Debit Cards .20p Portable Terminal £22.50 plus vat. Freephone…
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Starting a charity
Seeing a need, either in the community or the wider world, often inspires people to want to help and the largest charities in the UK have often been started by a few passionate people with a desire to make a difference. However, starting a charity is a huge undertaking and not one to be taken lightly. It should certainly…
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wanting to start a wheelie bin cleaning service
I am currently running a mobile car valeting business but this is not going so well in the current climate so im thinking of branching out and start offering wheelie bin cleaning. I am wondering whether anyone knows any legislation or ideas ect for me. i have a van which is equiped with a pressure washer and water tank as…
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Help - acquired contract
Hi, I wonder if anyone could help. I have received a letter from our waste provider who appears to have sold our contract on to PHS Allclear. A couple of years back, our waste provider sold out to PHS Wastetech and I did not like their sharp business practice or extortionate fees! I really do not want to be with PHS…
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Help with Chasing a Debt
Hi, I am a freelance web designer and have a client that owes me quite a lot of money and Im looking for advice about what I could do to chase it. The bad paying client is a design agency who sub cons me to do sites for them, at its worst stage the agency owed me £7000 (which is about 1/3 of my turnover), but after months…
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Recovering Bad Debt
Hi All, As a small business we have had to deal with nearly £20,000 worth of bad debt in the last 18 months, all of the bad debtors, 3 in all have gone into administration. This has wiped out our working capital and also any savings reserved for paying VAT etc and we are now struggling, is there any way this bad debt can…
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Business Mail- Royal Mail or Courier
I can't find any information about the pros and cons of courier services to royal mail here. We all know about the strikes and such but I always thought royal mail was still cheaper, although unreliable. I found that uk mail does a thing called imail where you send your mail electronically to them and they print it and…
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rental agreements, solicitors fees
Hi guys Ive just in the process to get my first shop my business plan is nearly there, I just need to put in it the set up prices and running cost to it. The bank has asked me to bring the rental agreement with me when i next see them. Ive got a view on the place Im interested in next week, so I can work out what items of…
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Freelance vs Fulltime employment
Hi there, I am a Copywriter and I have recently been freelancing under my own company name. In order to avoid financial confusion I decided to ask an Accountancy body called 'Crunch' to deal with all my invoices etc for £60 a month. In the last month or so I've started a full time job and so my billable freelance time has…
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unpaid invoices
hi there In april i did some work for a company who said they would pay me every 2 weeks after the 2 weeks i hadnt been payed anything so i stopped working for them because i said ive give you to much credit,(£3500)looked on companies house and they had set up another company a few days before my last job.They keep tellin…
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Completing the VAT registration form
Guys, I wonder if you could help as I think I am having one of those brain freeze moments... You know, when you can't remember how to spell an easy word!? Anyhow, this how the business model works and the questions on the form I need help with... Business Model: We are the British distributor for an Italian organisation.…
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Business Advice
Hi All, Where would be a good place to start looking for a business advisor about setting up a business ?
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Buying and running a care home?
Hi everyone :) Myself and a friend have been talking about owning our own care home since we were in 6th form and working part-time in care jobs. We are now 30 and she is a qualified social worker, while I have years of experience working with different client groups in social care (elderly, mental health, dementia). We…
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Despatch Bay and DHL A Warning !!
Hi everybody, just wanted to give anybody thinking of using despatch bay pallet service , (who use the DHL) a warning . I booked an urgent pallet to go to Edinburgh on a next day service , as I had a major trade show booked for the Saturday and Sunday . I booked and paid way in advance and even phoned on the Tuesday before…
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Where should I put last years tax return payment in books?
Hi all, Another tax return question! In my books/tax return for this year, where should I put last years tax payment that I made after I'd filled my tax return. I was going to put it under bank charges but I don't think that's right. Thanks for any ideas. Wood.
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Advice needed
On a very small scale I run a therapy training company for private courses in the beauty field, terms and conditions state all fees are due in advance, etc. This year more than ever I have been messed around by organising dates with students then recieving no payment and days been wasted. I also work full time so have to…
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employing staff
Hi my little buisness is going good and I need to employ a driver to do local drop offs for a small charge. Ive interview a number of people to do the job and now I'm on the short list. On one of the application forms for one chap he hasnt put his present employment but says he is working. how can i find out where he works…
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Need a website, with shop facility
Hi guys. I set up a business at the start of October this year, after being made redundant. So far, it's going slowly and I've decided I need an online presence. I don't have the money to pay for this, so need it to be free and ideally needs to be able to be built with a step by step template as I'm no techie. The…
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Hoping to open a shop.
I've worked in retail for a while, I have found a smallish central shop to my city, rent and rates are reasonable. But other than having worked in retail I don't know where to start, I mean with regards to finance and all that. Are there any guides to follow or anything?
