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Tips & Advice You & Your Business

Year

Issue 22 - 21.09.2011
- 1. Cheques are bouncing back
- 2. Conflicts with non-executive directors
- 3. Registering your .xxx domain name
- 4. Potential tax break on company-owned property
- 5. Health and safety inspections could be expensive
- 6. Outsourcing your disciplinary proceedings
- 7. Must you pay NI on car allowances?
- 8. The “going green” con
- 9. No more NI cards
Issue 21 - 08.09.2011
- 1. U-turn on digital accounts
- 2. Loans with no strings attached
- 3. Financial assistance following the riots
- 4. Employee status: do HMRC rulings hold any weight?
- 5. The executive pension plan alternative
- 6. Trouble using “endeavour clauses” in contracts
- 7. Avoiding NI charges on directors’ loans
- 8. engaging employees = business success
- 9. New corporate manslaughter case underway
Issue 20 - 13.07.2011
- 1. EC to tear up our contract rules?
- 2. Are you responsible for pension advice to employees?
- 3. Do you need to correct your tax code?
- 4. £120,000 fine for e-mailing the wrong person!
- 5. Who’s entitled to tax and NI-free benefits?
- 6. Discrimination: (s)he’s got more shares than me!
- 7. Unwanted texts: should you reply “STOP”?
- 8. Sign up for eReminders
- 9. Hand your apprentices their cards
Issue 19 - 29.06.2011
- 1. Annual filing to be scrapped!
- 2. Pool car trouble
- 3. Directors must pay the costs of losing a case
- 4. Tax efficient gifts to charity
- 5. Let’s meet up: your place or mine?
- 6. TUPE: do staff working out notice periods transfer?
- 7. Can you send e-invoices?
- 8. Expenses fiddling still high
- 9. Electronic filing to be compulsory
Issue 18 - 15.06.2011
- 1. Company tax return trouble
- 2. A cash injection for your company
- 3. New waste regulations for businesses
- 4. Are company start-up costs tax deductible?
- 5. Watch what you say about ex-employees!
- 6. Cutting the cost of liability insurance
- 7. Is it an “agreement to agree” or a “contract”?
- 8. Unwanted electronic marketing = £500,000 fine!
- 9. Health and safety made simple
Issue 17 - 03.06.2011
- 1. New EU rules on your cookies
- 2. The (un)enforcable restrictive covenant
- 3. Company runabout for the family
- 4. Banks lose £4.5 billion battle over PPI
- 5. Ending the business lease properly
- 6. Pension contributions - what’s your limit?
- 7. Pay up - there’s a “no set-off” clause!
- 8. Invalid VAT claims
- 9. Lower apprenticeship wages
Issue 16 - 18.05.2011
- 1. Taxman’s false start on investigations
- 2. Direct(or) clash of personalities
- 3. Must you provide a pension scheme for your workers?
- 4. Choosing the right company name
- 5. Tax deduction for your household bills
- 6. Directors’ response to workplace accidents
- 7. Apprenticeships - will they work for your company?
- 8. £1,000 for management development
- 9. Plans to harmonise all EU business registers
Issue 15 - 06.05.2011
- 1. Watch out for backdated energy bills
- 2. The hidden cost of lower car insurance
- 3. Who does the (health and safety) buck stop with?
- 4. Legitimately deferring tax on your earnings
- 5. Property insurance: “the rule of average”
- 6. IHT and CGT double hit on director’s shares
- 7. Are non-reliance clauses legal?
- 8. Bank compensation
- 9. Return of the financial services scam
Issue 14 - 20.04.2011
- 1. Business rates cut in Budget
- 2. A date for the Bribery Act 2010 (at last)
- 3. A tax break for non-executive directors
- 4. Landlord has money problems - what now?
- 5. Losing the right to compensation
- 6. Does your company have the right to search staff?
- 7. What can StartUp Britain do for your company?
- 8. Websites: how to get the design right
- 9. Access to finance “roadshows”
Issue 13 - 06.04.2011
- 1. Agency workers: prepare for changes
- 2. Tax-free and tax deductible life insurance
- 3. New “Solutions for Business” - but are they any good?
- 4. Can directors claim EIS?
- 5. Who owns company-generated LinkedIn contacts?
- 6. Sub-standard stationery - that’s a £1,000 fine!
- 7. Binding contract or just an exchange of e-mails?
- 8. Some motor insurance escapes EU ruling
- 9. Will you need an audit?
Issue 12 - 23.03.2011
- 1. Attack on directors’ remuneration
- 2. Business interruption: insuring against disaster
- 3. Advance expenses or a loan - does it make a difference?
- 4. Breach of contract: which losses can you recover?
- 5. The trouble with unpaid workers
- 6. Must staff sign risk assessments?
- 7. Protecting your company’s parking space
- 8. Q&A - positive action during recruitment
- 9. IT problems: “outsource”, don’t “matesource”
Issue 11 - 09.03.2011
- 1. Farewell to Cheque Guarantee Cards
- 2. Payday loans for your employees
- 3. Wife takes her husband to the tribunal (and back)
- 4. A tax break on home loans?
- 5. Corporate manslaughter: first company conviction
- 6. How to avoid the pension fund cut
- 7. Guidance on competition law obligations
- 8. Companies House fees up and down
- 9. NI threshold increases optimum salary
Issue 10 - 13.02.2011
- 1. Car expenses battle not over
- 2. New rules on website advertising
- 3. Can you dodge the NI increase?
- 4. Our terms and conditions are available on request
- 5. Penalty for accounts submitted on time
- 6. Senior staff: managing poor performance
- 7. Don’t lose your pension payout
- 8. Bribery Act 2010 delayed (once again!)
- 9. HMRC: (not) helping businesses get it right
Issue 09 - 09.02.2011
- 1. A U-turn on the Bribery Act 2010?
- 2. Dodging the new pension limits
- 3. Young women and mothers - no thanks!
- 4. Beyond the credit rating
- 5. Should you worry about shareholders’ new powers?
- 6. How much dividend can you pay tax-free?
- 7. Could you (virtually) do with a PA?
- 8. ACAS - “Top tips for better management”
- 9. The sick to be paid more
Issue 08 - 26.01.2011
- 1. More tax enquiries coming soon
- 2. The Information Commissioner starts getting tough
- 3. “No questions asked” life insurance
- 4. When is a director not a director?
- 5. Working Rule Payments
- 6. Independent contractor or really an employee?
- 7. Paying employees for self-inflicted injuries
- 8. HMRC: right address could net you thousands!
- 9. Photocopy all important receipts
Issue 07 - 12.01.2011
- 1. Should you follow (these) principles?
- 2. Delaying the increase in NI
- 3. Getting the (full) balance of what they owe
- 4. Do you need to make a resolution?
- 5. Stop confidential data walking out the door
- 6. Can working at home increase your tax bill?
- 7. How to assign the company’s lease
- 8. Cash fund warning
- 9. Companies House reaches out to directors
Issue 06 - 15.12.2010
- 1. Tax cuts of a different kind
- 2. Contracts: termination due to “non-payment”
- 3. Company sacks everyone aged 65+ - why?
- 4. Getting free and constructive feedback
- 5. Accounts - last minute must-do jobs
- 6. Are you covered if your pension fund crashes?
- 7. New trade credit insurance option
- 8. The Business Minister wants your thoughts!
- 9. First corporate manslaughter prosecution is off
Issue 05 - 01.12.2010
- 1. New EU rules on late payments
- 2. Less is more when it comes to IHT reliefs
- 3. Who foots the additional paternity leave bill?
- 4. No benefit from watching sport
- 5. A better (company) credit card deal is on the way!
- 6. New codes - another tax grab by the government?
- 7. Why have company website terms and conditions?
- 8. Taxman starts benefit review
- 9. Look alike webpages
Issue 04 - 17.11.2010
- 1. New advice for online filing
- 2. Who pays the parking fine?
- 3. Getting a good return from your company car
- 4. Are there big changes ahead for health and safety?
- 5. Don’t give away your land rights by mistake
- 6. The director who wanted to “eat you like a marshmallow”
- 7. Are you liable for your employee’s tax bill?
- 8. Free business skills podcast library
- 9. You’re confident over government cuts
Issue 03 - 03.11.2010
- 1. Checking out their credit status
- 2. Rejigging your accounts to defer tax
- 3. Get a direct(or) “alert” about what they’re doing
- 4. Will batteries in your waste bin get you a penalty?
- 5. An age-related problem with insurance
- 6. Can a company car ever be tax-free?
- 7. The dilemma of a disciplinary investigation
- 8. Penalties for non-existent companies
- 9. Do you need to notify a change of car?
Issue 02 - 20.10.2010
- 1. Big PAYE changes are on the way
- 2. Can sickness absence (legally) influence pay rises?
- 3. Do you have a right to reclaim NI on car allowances?
- 4. Is a personal guarantee binding if the contract fails?
- 5. Don’t pay for energy you haven’t used!
- 6. Why should the directors clear up commission?
- 7. Are you confused by online services?
- 8. Bidding for your solicitor’s fees
- 9. Do you need a health and safety policy?
Issue 01 - 06.10.2010
- 1. A director must now be human
- 2. Time to party?
- 3. Accept the offer to mediate: yes or no?
- 4. Is it time to deal out the (prepaid) cards?
- 5. Are paperless bills really a good idea?
- 6. How to get more from your offset mortgage
- 7. The Equality Act 2010 - you’re liable for harassment!
- 8. Taxman’s alert for employers
- 9. Warning over new tax scam threat

Pensions

15 December 2010

Are you covered if your pension fund crashes?

Probably the last thing on your mind when you put money into your pension is what would happen if the insurance company fails. But if it did, is there anything you can do to protect your investments?

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Indicator - FL Memo Ltd
Tel: (01233) 653500. Fax: (01233) 647100
customer.services@indicator-flm.co.uk
www.indicator-flm.co.uk

Calgarth House
39-41 Bank Street
Ashford, Kent TN23 1DQ

VAT GB 726 598 394
Registered in England
Company Registration No. 3599719