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Small biz MoneySaving
Archives for March 2017
Discussion List
Business Rates - can I claim?
Hello, newbie here hoping someone can advise me please? Until recently the property we let for our business had a rateable value of £12K, so we were above banding for the small business rates relief and had to pay the full whack. Now that the nationwide revaluations have been done, our new rateable value is £8K - a massive…
He to make and monetise an app
I've got an idea for an app, free to users but getting money from businesses. I don't want to go to details here in case someone nicks the idea. Lol How do I go about making an app? Do I have to learn how to develop one or do I get someone to do it for me? thanks
Painter decorator VAT Issue
I was quoted by a local painter and decorator to decorate a cottage. When I questioned his high fees to decorate the house he said his costs were high as he had to pay a staff member and he had to charge VAT. He did reduce his quote and did the work (the quote was verbal). When I received the invoice there was no VAT…
Copyright infringement - Letter to pay
Hi all. Ive a small website that promotes my cafe. I was looking to sell Xmas lunches for posted on it and used a photo i found on the web of a plate of food on a Chinese website I was aware of copyright, so i downloaded the image and then used google image search to try see if it was copyrighted. All the results came up…
Making my existing business a subsidiary of a newly formed limited company
Hi all, I'm new to this forum, but value your advice here. I have been running an established business as a sole trader for the last five years (let's call it ABC for simplicity). However I have new areas of business sales coming in too so I intend to do them via a newly formed limited company (let's call it XYZ LTD). Am I…
Tender Process and links
Hello All, My cousin has been working as an IT consultant with his Limited company for a while now but in doing so has been taking on one client / project at a time as he is the only person delivering the projects. He now wants to go into tenders to get jobs directly from clients and run multiple projects plus take on…
Charity consortium creating a Community Interest Company (CIC)
My charity has joined a consortium of other charities and they are considering creating a Community Interest Company (CIC). Is it allowed for all of the charities to remain independent charities in their own right, but to also be part of a CIC? Are there any pitfalls to being in a CIC? Thanks for any advice in advance!
Sole Traders Sharing Retail Premises
I am a sole trader operating below the VAT threshold and I am thinking of sharing some retail premises with another sole trader who sells different products. We would share the expenses related to the shop but continue to keep our separate sole trader accounts. Can our income in the shop go into a single bank account and…
Client Management Software
Hello all, I have just started my business and getting everything together. I already have one client who wants me to quote. My question is which software is the best in recording all clients details which I can then add quotes to and then invoice. Thanks!
language club
Hello everyone, I am starting a foreign language children's club very soon. It's aimed to children between the ages of 4-11. I have contacted schools in my area but nobody seems interested so far. So I am thinking of renting a community hall and do it that way. I have got DBS, I have got all the materials I need, insurance…
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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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