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vat advice
I have small landscaping business and approaching the vat threshold. I have a few questions and hoping people who have been in same situation may be able to help. 1. I sometimes use a sub contractor to do some of the work. he is not registered for vat so doesn't charge me vat. When I do a quote for the client and add his…
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New Notemachine ATM commissions a joke
I own a building in a small (remote) town that hosts a hole in the wall accessed via an internal security booth. It's quite a big booth and takes a good bit of the property up but the payments made it worth while and it enabled me to let the rest of the building as a PostOffice at an affordable rent. The ATM is the only…
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LTD company not paying!
Hi all I'm hoping someone can help me. I started in business with my business partner at the start of the year and during March we got this huge client that needed tidy up accounting work done. We got in and it turned out the previous finance guy had done absolutely nothing (no exaggeration) for the previous 9 months and…
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Advice about going Freelance
Hello! I have years of experience in advertising and digital marketing and a degree in Advertising so I know I can do the work (Running Advertising on social media, organic social media growth, blogs and graphics) however I'm still brand new to the Freelance space. So, should I set prices at what I know it's worth and have…
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(very) small business bank account
I work full time and am a 40% tax payer, and looking to work for myslef on my days off (i work shifts so only work 13 days a month). I'm assuming i will need a small business bank account? I'm not expecting to turn over much more than £5,000 a year, maybe less (probably working 1 day per week). Will my ususal bank be…
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Sole Trader or Ltd company
As per my other thread about a business bank account, I am thinking of working part time for myself (I’m currently a 40% tax payer) on my days off. The line of work I’m considering going into I’ve been told am more likely to get work if I’m seen as a Limited company, as opposed to a sole trader. So after some advice…
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Bank account for Scout Group
Hi I wonder if anyone can tell me if any banks that operate online banking which has two levels of approval for payments. We are a Scout Group looking to change our bank account and this approval requirement is as required by the Scout Association...... Many thanks
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Looking to end tenancy
Hi. I'm a sole trader renting a small office. I signed a printed letter in 2012 agreeing the rent due each week inclusive of bills, payable monthly, but not mentioning any notice period. I remember the landlord saying verbally that it would be a relaxed agreement, bit a couple of months notice would be appreciated. 18…
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Pocket Landline
We are a small Ltd company and have just taken on our own office space. We are in Hull so have no telephone provider options other than KCom who are silly expensive and would have us in a contract which is not what we want. We have been looking at Pocket landlines, we know that EE do one but it is again costly but there…
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Admin Support
How would I be able to contact small businesses to offer my admin skills. I am looking for some extra work at weekends or evenings about 10 hours per week and though it would be suitable to help out a small business that could not afford full time staff. Thank you
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Class 2 NI
Hi, I’m currently in employment but I am looking to start my own business soon and leave my current employment. I have read that you do not need to pay NI if you do not earn enough money....which I don’t think I will do, especially to begin with. However, I really want to pay voluntary class 2 payments - is this possible?…
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Wedding,party venue
Are there any ex publicans out there that could give me an idea of the type of pitfalls of buying a closed down pub and re opening it for the exclusive use of small wedding parties and other small celebrations, and possibly a monthly craft/vintage traders sale? I am hoping to do something along these lines and have started…
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Payroll
Hi everyone, I use an electric wheelchair and hire personal assistants (carers) who assist me with all aspects of my life. I have been using a payroll company but they have made some major errors the past year so I was looking to explore alternatives. How difficult is it to run payroll for oneself? I have no experience in…
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Will I be covered
I'm a self employed builder and am currently in the process of buying my first home. The property I am purchasing is in need of refurbishment and the lender has tailored a mortgage that requires work to be done on the property between exchange and completion. Would my public liability insurance cover me whilst doing the…
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Self Employed or Limited Company?
Apologies if this is in the wrong section My partner is a qualified counsellor and is looking to set up in private practice, charging by the hour in a room she intends to rent on an ad-hoc basis from a local landlord She currently has employment 4 days a week (Mon-Tues-Thurs-Fri) in a completely unrelated line of work and…
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Small Business Savings Question
Looking for financial advice but not sure what professional it's best to speak to. Having just had a newborn, my wife is taking a year out of employment, she ran a small business and has profit in the account, so we need some independent personal/small business advice. The last IFA I visited was only looking for us to get…
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Using city names & UK landmarks on new product packaging?
Good Afternoon all Money Saving Experts, I have a question with regards to a new line of products I will be launching for my small business. I'm am designing labels for my new products and I'm looking to use the names of multiple cities (I'm from one of them and each product will have a city name on it), and also apply…
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Need some customised printed t-shirts, cheap.
Hi all, I'm starting a business with a friend of mine and need a few branded t-shirts for us to wear. I have a logo that I'd like incorporated into the t-shirt, but it'll be small and a single colour. I'll need 10-20 to start out with. If anyone can recommend a cheap, reliable supplier, that would be appreciated. Thanks in…
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Please can provide advice on my business?
Hello, Right, ok. I am planning to start contracting working very soon and wanted to get my accounts in order. I have been told, most contractors set up a limited company, is this true? It will be technically self-employed, offering my services to a company. The company I will be contracting for is registered as an LLC…
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Working full time and starting a part time business
Hello I am looking for advice as I'm very confused by all the info that I find online. I am in full time paid employment but want to start a part time online business. Can I register as a sole trader if I am also working full time? Also will my tax and NI be kept separate from that of my employment? Will I have to pay…
