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Tips & Advice You & Your Business

Year

Issue 22 - 17.09.2014
- 1. Who owns that design?
- 2. Directors and spouses in “material competition”
- 3. Entrepreneurs’ relief - a tax trap for directors
- 4. Private investors: can they sue you?
- 5. Cut the cost of foreign exchange
- 6. Agency workers and right to work checks
- 7. Turn a supplier’s discount into a tax-free benefit
- 8. Health and safety insider tips
- 9. New NMW rates
Issue 21 - 04.09.2014
- 1. New IR35 guidance
- 2. Shareholder employees
- 3. Road tax changes on 1 October
- 4. Interest-free cash advances from PayPal
- 5. New tax codes on the way
- 6. Personnel searches and the problem with Google
- 7. Maximising a director’s entitlement to SMP
- 8. Free Companies House digital data
- 9. Hullo - you’ve got voicemail
Issue 20 - 09.07.2014
- 1. Using the .UK domain extension
- 2. Insurance: are you properly protected?
- 3. Going on holiday? Take your company credit card
- 4. No director’s salary: what’s the employee status?
- 5. Tax deductions - are you getting them soon enough?
- 6. Company shareholdings and divorce
- 7. Are company secretarial services worth bothering with?
- 8. Migrant workers - new penalty rules
- 9. New IR35 guidance
Issue 19 - 25.06.2014
- 1. Auto-enrolment enforcement
- 2. Contractor’s staff: are you liable for their injuries?
- 3. Must all benefits in kind be declared?
- 4. Small companies at risk by not following procedure
- 5. Avoiding the CGT cash trap
- 6. Flexible working changes: must you tell the staff?
- 7. Protect company-owned property from fraud
- 8. TUPE transfers and data protection
- 9. scanning documents on the move
Issue 18 - 11.06.2014
- 1. Companies House website to close
- 2. Buying a business - assets or shares?
- 3. Director’s salary waived = no longer an employee?
- 4. Save staff costs by offering tax-efficient vouchers
- 5. Mileage allowances under threat from HMRC
- 6. Dodge hefty commission fees from estate agents
- 7. Late nights and lone workers
- 8. New law for some pension schemes
- 9. Deadline nears for Form 42
Issue 17 - 29.05.2014
- 1. Bank compensation deadline
- 2. Turn your Ltd company into a Plc
- 3. World Cup winning tax breaks
- 4. Outsourcing: examining the pitfalls
- 5. Verbal agreement to purchase shares: is it binding?
- 6. It wasn’t a cigarette, I was vaping!
- 7. Tax breaks for portable home offices
- 8. Companies House to check undischarged bankrupts
- 9. Create your own QR codes
Issue 16 - 15.05.2014
- 1. Changes to distance selling rules
- 2. New rules - take all your pension fund at once
- 3. Company cars - new tax rules
- 4. Can the landlord keep the fixtures?
- 5. Tax advantages - interest v dividends
- 6. Early conciliation: is it mandatory for you?
- 7. Board meeting minutes: what were you thinking?
- 8. Directors under the microscope
- 9. More companies caught in property tax net
Issue 15 - 01.05.2014
- 1. HMRC to attack P11Ds?
- 2. £36,000 fine for breaching direct marketing rules
- 3. Employment allowance - what’s the latest?
- 4. Are you liable for careless employees?
- 5. Loans to your company - protecting your money
- 6. Recruitment: should you anonymise CVs?
- 7. Are you on top of fire safety?
- 8. Social media rules
- 9. New “invest in a storage unit” scam
Issue 14 - 16.04.2014
- 1. Banks forced to disclose details?
- 2. Changes to the recovery of commercial rent arrears
- 3. Flexible working: why there’s no need to worry
- 4. Double insurance or double trouble?
- 5. Dividends - take them or leave them?
- 6. Customer overpayments - can you keep them?
- 7. VAT - what are new companies allowed to reclaim?
- 8. Apprenticeship grants for more companies
- 9. Cutting company pension costs
Issue 13 - 02.04.2014
- 1. A good Budget for companies?
- 2. Is NEST right for your company?
- 3. Time running out for a tax break on green cars
- 4. Keeping tabs on remote workers
- 5. Should you download the new app from Companies House?
- 6. Prevent theft of employees’ personal information
- 7. Fires and force majeure clauses
- 8. Access alternative business funding
- 9. trusted online reviews
Issue 12 - 19.03.2014
- 1. Help on exports and trading abroad
- 2. Personal guarantees and the family home
- 3. Dividends - year-end tax planning
- 4. How to avoid penalties for late accounts
- 5. Can you spread the cost of last year’s tax bill?
- 6. Client requests for criminal record checks
- 7. Buy-to-let investments: evicting tenants
- 8. More protection for your company’s cash
- 9. RTI procedures for first year end
Issue 11 - 05.03.2014
- 1. Flood help
- 2. Your medical records for sale
- 3. Directors - how the new state pension affects you
- 4. Pricing errors: what’s your legal position?
- 5. Is it tax efficient for your company to buy your home?
- 6. Prevent abuse of staff discount
- 7. New companies - maximising tax deductions for salary
- 8. RescueTime: where does your day go?
- 9. Real solicitor’s letter or scammer?
Issue 10 - 19.02.2014
- 1. Bag the best website addresses
- 2. A disagreement or a breach of your duties?
- 3. HMRC tax codes still showing errors
- 4. Divorce and your inheritance
- 5. The (tax subsidised) one-man company canteen
- 6. Professionally drafted service contracts
- 7. Can you give your shares away?
- 8. New IT subsidy for companies
- 9. Compensation for seven million cardholders
Issue 09 - 05.02.2014
- 1. Companies face higher NMW fines
- 2. Are you paying too much in business rates?
- 3. Tax-efficient bonuses when cash is tight
- 4. Recovering recruitment agency fees
- 5. Tax-free medical treatment
- 6. Should you buy Facebook “likes”?
- 7. Law firms shutting up shop
- 8. UK Storm Business Fund launched
- 9. Retention of title clauses - the latest ruling
Issue 08 - 22.01.2014
- 1. Self-assessment deadline looming
- 2. Employment disputes - watch your tone
- 3. Company records - what’s the bare minimum?
- 4. The new tax-free limit for company loans
- 5. Exercising break clauses in commercial leases
- 6. Can you use your company as an IHT shelter?
- 7. Increase meeting productivity
- 8. Fake motor policies on the rise
- 9. Enforced changes to zero-hours contracts
Issue 07 - 08.01.2014
- 1. The Autumn Statement fine print
- 2. Tougher rules for your slow paying customers
- 3. Cut your admin and save tax on foreign trips
- 4. Are you properly insured to employ students?
- 5. What happens to the company if you die?
- 6. Service company personnel and discrimination
- 7. Contracts: do you need a signature in ink?
- 8. Employers’ NI to be abolished for under 21s
- 9. The new “spear phishing” scam
Issue 06 - 11.12.2013
- 1. Should you advertise on Twitter?
- 2. Divorce: can the company’s assets be touched?
- 3. How to accelerate tax relief on company cars
- 4. When can cash deals land you in trouble?
- 5. Pay rises: what’s the current national average?
- 6. How to identify and protect your intellectual property
- 7. Maximising the 10% tax rate on property gains
- 8. Staff sickness costs to increase soon
- 9. Will the payday loan cap affect your company?
Issue 05 - 27.11.2013
- 1. New NMW crackdown on the way
- 2. Do you have enough profit to pay dividends?
- 3. A Christmas present from HMRC
- 4. Property: can you rely on the seller’s say-so?
- 5. Tax-efficient joint ventures with your company
- 6. Alcohol misuse: is it grounds for dismissal?
- 7. Shadow directors: their duties and obligations
- 8. Cut the cost of meeting clients
- 9. Guidance on the new WEEE Regulations
Issue 04 - 13.11.2013
- 1. Raising “forgotten” invoices
- 2. Low cost business meetings on the move
- 3. Share your shares to save some tax
- 4. Tax-efficient charity donations for the company
- 5. Time your expenses right or pay extra tax and NI
- 6. They’re trying to poach your staff
- 7. A two-tier sick pay system
- 8. At last, real cuts in admin for directors
- 9. One in twelve company drivers not licensed
Issue 03 - 30.10.2013
- 1. A £2,000 NI gift for all employers
- 2. Is your company overpaying pension scheme charges?
- 3. Directors at risk from employee-shareholder contracts
- 4. How to make a non-binding settlement offer
- 5. Dividends - maximising your cash-flow advantage
- 6. Hiring a new director: what should you ask them?
- 7. Correcting errors on your credit file
- 8. revealing your package on termination
- 9. Manage your social media in one place
Issue 02 - 16.10.2013
- 1. Direct e-mail marketing rules
- 2. Where there’s a will... there should be a review
- 3. NI refunds for young companies are still available
- 4. Contractual indemnity: limiting your risks
- 5. Auto-enrolment shock for those employing home help
- 6. The “best legs in the company” is awarded £13,000
- 7. Home help - getting your company to pay
- 8. New minimum wage rates
- 9. FCA warns small companies
Issue 01 - 02.10.2013
- 1. Accounting red tape cut!
- 2. Do you need a company nameplate on your home?
- 3. Advertising costs - beware directors’ connections
- 4. Contracts: is this really a matter of good faith?
- 5. Sheltering an investment from higher rate tax
- 6. Abandoned vehicle on your hands
- 7. Derogatory comments about the company
- 8. Use government office space for free
- 9. Avoid spam with a temporary e-mail address

Personal guarantees

19 March 2014

Personal guarantees and the family home

If you seek a loan on the company’s behalf, you’ll almost certainly be asked to provide a personal guarantee in the form of a charge against your home. But what if it’s owned jointly with your spouse? Will it apply equally to their share?

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© Indicator - FL Memo Ltd • Telephone: (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

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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