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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

Insurance

23 March 2011

Business interruption: insuring against disaster

No matter how carefully the directors plan, a company can easily experience unforeseen business interruptions, which all too often could be disastrous. So why should you consider specialist insurance to cover these scenarios?

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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