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We have put together a series of useful Business Guides, available to download.

Planning for Retirement

Most people recognise that their retirement plans do not look as healthy as they did a decade ago. Stock market collapses have destroyed most people's compounding calculations while low interest rates are reflected in low annuity rates which continue to be adjusted...

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Preparing Your Business Plan

Planning not to fail A business plan is essential for every business. Failing to plan your business is the first step toward planning to fail. Recording your ideas, plans and strategies is essential given the ongoing sluggish economy when so many business owners are...

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Company Bonus or Dividend?

In many small companies, the owners are also the directors, and this gives importance to how income is extracted from the company. Important The declaration of a dividend has for many years been a strategy adopted by many small businesses. Traditionally, small...

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Inheritance Tax Planning

Planning to minimise the liability to IHT is a team effort involving you and your professional adviser. To enable long-term planning to be set in place, it is important to carefully consider your planning options before making decisions about your financial planning...

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Tax Planning for You and Your Family

What are your planning objectives? Key financial planning goals include: Making the most of your tax-free allowances Keeping your marginal tax rates as low as possible Maintaining a spread between your income and capital. Remember that all tax planning must: Save tax...

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Real Time Information

Real Time Information (RTI) is the system employed by HMRC for the reporting of payroll information, which requires employers and pension providers to provide detailed information to HMRC every time employees are paid. Under RTI, the employer is required to submit...

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Proving your Credentials to Investors

People don't invest in ideas: they invest in people. You can have the world's best business plan with a truly original idea that is guaranteed to make a fortune, but you could fail to attract investment if the people behind the idea do not inspire confidence. Finding...

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Initial Costs of Starting in Business

No business is the same as another even if the product or service is similar. If you are starting in business it is important to avoid the pitfall of underestimating your start up costs. Startup costs are limited to expenditure incurred before you are ready for...

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Setting Employee Pay

Every employer knows just how important wages are to recruiting and keeping good employees. So how best to go about setting rates of pay? There are three important factors to consider when it comes to establishing the rate at which a business pays its employees. Rates...

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Increasing your Cashflow

We are all aware of the importance of maintaining a positive cashflow from month to month if we are to avoid a liquidity crisis and all the misery that entails. But there is a lot more to cashflow management than simply avoiding crises. Actively striving to increase...

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