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What's Your Priority With Your Card Payment Terminal?
When you look for a card machine what is your priority?
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Working From Home Focus
Hello you very wonderful and intelligent people that make up this forum. I sincerely hope everything is going well for you. I work from home a few days a week, doing affiliate marketing, building blogs, doing advertising through Google. I find when i go on my laptop my mind is full of thoughts, such as personal tasks i…
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eSim or 2 phones?
Hi Does anyone use an eSim to have a ‘work’ number and also keep their own personal number? Had a quick google and seems possible if you have a phone made in last few years. Does anyone have any experience using it? Specifically looking at how easy it is to switch between making calls from say work and then to personal, or…
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website design cost
thank you in advance, have been wanting to get a website for my business, nothing major or complicated, essentially for advertising. I got a quote for 1500 total ( including VAT) has anyone any experience rough costs and would a DIY website make a decent enough one? thanks again
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Cheap business email
Want to get a business email as gmail isn't considered professional apparently, what's the cheapest way?
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Payroll query
Hi, I started my company in April this year. I want to pay myself a salary of £12570. I started payroll late in May and paid myself for May onwards on a monthly basis. I did not pay myself a salary in April as I was waiting for things back from HMRC. So at the end of this year I will end up paying myself £11522 (1 month…
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Sole trader carries out same activity as his limited company
I have a problem with a limited private company
which owes me money and I have discovered that the director of this limited company
is running at the same time a sole trader company which has the same activity
as his limited private company I would like to know if this is legal and which law
could have been breached
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Mortgage Rates
Just wondering what people think will happen to the mortgages rates in the next few years? Do we think they will go down soon?
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Best way to get paid from a ltd company
Hi, sorry I have searched lots on this and keep getting confused so I am hoping for some concise information. My partner has set up a ltd company as she works as a chef through various agencies and they prefer that a ltd company just invoices them for payment, they dont deal with self employed / sole trader. The company is…
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Any good investment websites for spare limited company cash
Hello thanks for any advice in advance, have 1 year trading as limited company, took in A lot more cash than needed to withdraw as dividend/salary or use as expenses. what do people do with spare cash in limited company? buisness bank account not paying any Interest, Is there any investing websites people use or…
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VAT Guides
You used to be able to obtain hard copy guides from HMRC but I can’t seem to find a link to order these anymore. Does anyone know if these are still available? They were much more useful than having to read through online
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Starting a business - bank funding v private investment
If you were looking to start a buiness that involved needing to purchase some land and buildings up front, then development cost to turn them into premises, then an income stream from 6 months onwards, what are the funding options. Does it all need to be raised from private investment or will a bank say loan 50% or more of…
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Double Check - Closing Limited company
please could I check if this is a pathway to closing my limited company. My year end is 31 October and the company has not issued any invoices for work since May. If I paid employees, issued P45, de registered VAT, then produced CT600, then paid tax, then paid dividend to empty the account, then closed bank account - all…
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Getting out of phone line contract
Since my husband died we have discovered the farming business signed into a contract for multiple line numbers at different locations, some of which we don't know what they are for or whether they still exist, with a company called Digiquip now taken over by Lily. We have queried these numbers and not had a satisfactory…
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Guide/Tips on starting a small business
I'm in the very fortunate position of having paid my mortgage but still being young enough to still be a long way from retirement (I turn 40 later this month). After some mental health issues during the pandemic I reduced to a 4 day working week and have been enjoying the extra flexibility and time, however I no longer…
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Money Moral Dilemma: My daughter delivered a wedding cake an hour late - should she fully refund?
This week's MoneySaver who wants advice asks... My daughter's a baker and recently got the dates mixed up on a wedding cake order. She got a message asking where it was, and having done all the preparation, managed to get it to them for 7pm - it was due at 6pm. When she delivered it, the customer said: "We'll speak about…
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Limited construction business - claim for historical work
My partner has recently bought a limited construction business. He received an email from someone claiming structural damage caused by a leaking velux window fitted in April 2022, and requesting for it to be fixed under a 10yr builders warranty. It seems that this work was completed by the previous owner, before the…
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Company money to pay personal mortgage
I have a 140k mortgage on my 500k house, through a high street lender. I have enough spare money in my small limited company to take 140k out, clear the mortgage, and repay at maybe £ 1000 pcm, rather than the 1350 I’m paying now (I have around 11 years left on the loan). I don’t want to ask my accountant at this stage, as…
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VAT and Retail Prices
I run a small independent gift shop and have recently gone VAT registered. Just wondering if it's the done thing to still follow brands RRP's to stay competitive or do businesses tend to mark items up higher than the RRP to cover the VAT? The problem is I don't want to be charging a higher price for items where other…
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Public liability for organising craft fairs
Hi, can anyone recommend an insurance provider for hosting craft fairs/markets? I need 10 million cover and the cheapest one I can find is about £480 per year. Is this good? Many thanks in advance.
