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Tips & Advice You & Your Business

Year

Issue 22 - 18.09.2013
- 1. Bribery Act: three directors charged
- 2. Paying for legal advice by instalments
- 3. The tax breaks for new employee shareholders
- 4. Who owns those business cards?
- 5. The HMRC APP that really saves you tax
- 6. Heat of the moment dismissals
- 7. What are your auto-enrolment options?
- 8. Companies must register with the FCA
- 9. Resolving RTI error messages quickly
Issue 21 - 05.09.2013
- 1. Entrepreneurs’ tax break now law
- 2. NI troubles for new and departing directors
- 3. It’s now easier to switch your current accounts
- 4. Are you putting yourself at risk by employing youngsters?
- 5. Contracts: why shouldn’t you use “and/or”?
- 6. Absent directors - can they send in a sub?
- 7. Facebook: is it the ideal way to recruit?
- 8. How to spot your competitors’ changes
- 9. Cable proposes a late payment levy
Issue 20 - 10.07.2013
- 1. Data protection and social networking
- 2. “For and on behalf of the company”
- 3. A new take on what counts as a company car
- 4. Can personal mobile devices save you money?
- 5. Overpaid dividends - what will the Taxman say?
- 6. Are you covered for sports training and events?
- 7. Business relationships v internal disciplinary matters
- 8. More news on potential penalties
- 9. Trouble ahead for contactless cards?
Issue 19 - 26.06.2013
- 1. HMRC attacks directors in partnership
- 2. Simple ways to keep control of a family company
- 3. Borrowing to get more difficult for directors
- 4. Cloud computing and data protection
- 5. Tax-free late night travel for directors
- 6. Why did they really leave their last job?
- 7. The director who wrongly shut up shop
- 8. The new IP information app
- 9. Do you respond out of hours?
Issue 18 - 12.06.2013
- 1. Australia wants to do business!
- 2. Do you need to complete a P11D?
- 3. ICO to scrutinise company websites
- 4. Can a director’s credit rating affect your company?
- 5. Sole directors and injuries at work
- 6. Altering the company’s working hours
- 7. Are your company records safely stored?
- 8. Another RTI bug
- 9. What’s happened to the sick pay tax break?
Issue 17 - 30.05.2013
- 1. Money laundering checks on the way
- 2. Outsourcing fire safety: what’s the (personal) risk?
- 3. NI danger for multiple directorships
- 4. Tax deductions and your first accountant’s bill
- 5. Can you issue shares at any price to a new investor?
- 6. Can you dismiss an “unsuitable” manager?
- 7. Who does your company logo belong to?
- 8. “Hello, it’s Companies House here...”
- 9. £5,000+ for cyber security?
Issue 16 - 16.05.2013
- 1. New rules on credit card surcharges
- 2. Avoiding a conflict of interest with your company
- 3. IR35 - company officers caught under new rule
- 4. Contracts: the registered name or trading name?
- 5. Tax relief for a director’s personal assistant
- 6. The dangers of that perfect website picture
- 7. Third party pressure to remove an employee
- 8. European health warning!
- 9. Free Companies House seminars for directors
Issue 15 - 01.05.2013
- 1. New P11D procedure
- 2. Turn a business premises tax trap into an advantage
- 3. Directors and auto-enrolment
- 4. Discrimination in the supply of goods and services
- 5. Is it safe to borrow from your company?
- 6. Home cleaner: your employee or self-employed?
- 7. Contracting personally, not via your company
- 8. New cheque overpayment scam
- 9. The net effect of the Bribery Act
Issue 14 - 17.04.2013
- 1. Another £70 million for the fund
- 2. Insider fraud rising in smaller companies
- 3. Good news, plus a warning for some directors
- 4. Another tactic to reduce Child Benefit tax
- 5. The new intellectual property mediation service
- 6. Suspected theft: can you install hidden cameras?
- 7. Discrimination removed from the Model Articles
- 8. New code of practice for company schemes
- 9. should you register your name on the Net?
Issue 13 - 05.04.2013
- 1. Making employee training pay
- 2. Reducing tax and NI on your company car
- 3. Commercial debt compensation rules beefed up
- 4. An attractive rent or an insurance headache?
- 5. Is there a better alternative to dividend waivers?
- 6. Conduct an interview and play back the result
- 7. What shares should your company issue?
- 8. Consultation on company names
- 9. find out where you’ve been mentioned online
Issue 12 - 20.03.2013
- 1. A simplified Companies Act 2006?
- 2. Breaking up is hard to do - for directors
- 3. Small claims court limit to double in size
- 4. Franchise agreements and non-competition clauses
- 5. RTI - are directors a special case?
- 6. An out of the blue resignation
- 7. A cheaper alternative to medical insurance?
- 8. More auto-enrolment advice
- 9. Spotlight on interest swaps
Issue 11 - 06.03.2013
- 1. RTI - just weeks away!
- 2. How to fund a last minute pension
- 3. Some new (liability) guidance for NEDs
- 4. Unfair dismissal: one smoking hot claim!
- 5. Year-end tax-saving tips
- 6. Do you need a chairperson on your board?
- 7. Removing private data from your laptop
- 8. Fee for Intervention - how much?
- 9. Crowdcube gets FSA approval
Issue 10 - 20.02.2013
- 1. Direct(or) minority reports
- 2. Why are your (empty) premises a squatter’s dream?
- 3. Can HMRC see your legal advice on tax matters?
- 4. Maintaining a good (dividend) record
- 5. How to exploit your company as a retirement fund
- 6. Should the directors just Yammer it out?
- 7. Can you reclaim VAT on homeworking costs?
- 8. Business details required
- 9. end to PPI compensation?
Issue 09 - 06.02.2013
- 1. New home for PAYE payments
- 2. How to incentivise prompt payment
- 3. State pension reform hits company schemes
- 4. Indemnifying directors - what are the dos and don’ts?
- 5. Who owns the content of directors’ e-mails?
- 6. Employees who access porn: a XXX problem?
- 7. Motor insurance - ways to make your company pay
- 8. ICO to get tough on (bad) cookies
- 9. The new Enforcement Code: have your say
Issue 08 - 23.01.2013
- 1. £60 million available (and no banks involved!)
- 2. New relaxed rules for share buy-backs
- 3. Maximising tax savings with the new AIA
- 4. Fire alert: an alarming problem
- 5. Is a gift to you or your company taxable?
- 6. Forward planning for next Christmas and New Year
- 7. Retention of title clause: can you still sue?
- 8. New company applications rejected
- 9. Start-up loan scheme extended
Issue 07 - 09.01.2013
- 1. Autumn Statement roundup
- 2. What happens to “digital possessions” if you die?
- 3. The tax advantages of a pure perk company car
- 4. Personal investments with company cash
- 5. Can you be made redundant with(out) consultation?
- 6. When can you use an unlimited company?
- 7. Are the directors prepared for a cyber attack?
- 8. The “single pin for your bank cards” sin
- 9. Business finances and cancer
Issue 06 - 12.12.2012
- 1. New VAT e-invoicing rules
- 2. Dealing with smelly business problems
- 3. Companies face fines if they aren’t ready for RTI
- 4. How to spy on your competitors (legally)
- 5. How to maximise the childcare tax break
- 6. Disclosing disciplinary action to third parties
- 7. Motor insurance claims - don’t get short changed
- 8. Stakeholder requirement scrapped
- 9. No excuses for late accounts
Issue 05 - 28.11.2012
- 1. It’s official - record checks to restart
- 2. Dormant companies can be valuable
- 3. New eyesight laws to apply for some company drivers
- 4. Restrictive covenants: (un)enforcable from the start
- 5. Spreading the cost of Christmas tax efficiently
- 6. Employers’ Liability insurance for sub-contractors?
- 7. Does your managing director have special powers?
- 8. How to stop Spam texts
- 9. Skype in the workspace
Issue 04 - 14.11.2012
- 1. EU to set female director quotas?
- 2. Charging telephone cold callers for your time
- 3. Avoiding accidental guarantees via e-mail
- 4. Tax efficient stop-gap company pensions
- 5. How to use LinkedIn as a “free marketing” tool
- 6. Why choosing the right cleaner is so important
- 7. Double up on capital allowances
- 8. LinkedIn - bogus e-mails
- 9. Dormant company accounting rules relaxed
Issue 03 - 31.10.2012
- 1. VAT penalties - directors made liable
- 2. Insurance: what is a “material fact”?
- 3. Does your website meet the legal requirements?
- 4. Is it time to switch to cloud accounting?
- 5. Life assurance tax trap set to catch directors
- 6. Shares in exchange for employment rights
- 7. Why bother with an AGM?
- 8. Bribery: change in SFO enforcement policy
- 9. Bye bye Business Link and Directgov
Issue 02 - 17.10.2012
- 1. The HSE can now charge £124 p.h.!
- 2. Does a salary sacrifice always lower your tax bill?
- 3. Customers: don’t discriminate on age!
- 4. How to keep control of your company
- 5. Business trips - are your employees covered?
- 6. Leaving with (your) confidential information
- 7. Clamping down on parking problems
- 8. More scrutiny of “affluent” directors
- 9. Is your company car really a van?
Issue 01 - 03.10.2012
- 1. More companies exempt from audit
- 2. Using your customers to raise finance
- 3. Escaping the tax charge on Child Benefit
- 4. Contracts: are rollover agreements legal?
- 5. Do you need £25,000 (or more)?
- 6. Pregnancy: what’s the risk of that happening?
- 7. Can your accountant’s bill be a tax-free perk?
- 8. VAT on self-storage units from October 1
- 9. can you pay this (fake) invoice please?

Cost cutting

20 March 2013

A cheaper alternative to medical insurance?

One of your fellow directors has suggested switching the company’s medical insurance for a “health cash plan”, principally to reduce costs. What are the pros and cons of these schemes and are they really a substitute?

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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