http://local.smallbusiness.co.uk/ SmallBusiness provides Premium Advice and Information for Small Business Startup and Finance 120 en-gb Articles@DirectoryM.com Articles@DirectoryM.com http://local.smallbusiness.co.uk/ SmallBusiness provides Premium Advice and Information for Small Business Startup and Finance http://local.smallbusiness.co.uk/Images/Image.aspx?Site=customDarkBlueWAdSense_en-GB Alternatively, if you need to make a permanent change to working hours from 28 to 20, you will need to gain the consent of the employees involved because it is a change to their agreed terms and conditions. http://local.smallbusiness.co.uk/Changing_Contracts_Rochdale-r1408371-Rochdale_EN.html http://local.smallbusiness.co.uk/Changing_Contracts_Rochdale-r1408371-Rochdale_EN.html We have a longstanding bank account and an excellent relationship with our account manager. Can a new MD change this account without other shareholders agreement? If you want to know the details of this, keep on reading for details. http://local.smallbusiness.co.uk/Changing_Bank_Accounts_Rochdale-r1408370-Rochdale_EN.html http://local.smallbusiness.co.uk/Changing_Bank_Accounts_Rochdale-r1408370-Rochdale_EN.html There are fears that the government has plans to end its tax deferral scheme, leaving many owner-managers in the deep end. Here we speak to businesses and experts about why it's crucial to keeping SMEs afloat. http://local.smallbusiness.co.uk/Tax_Deferrals_Lifeline_to_SMEs_Rochdale-r1408369-Rochdale_EN.html http://local.smallbusiness.co.uk/Tax_Deferrals_Lifeline_to_SMEs_Rochdale-r1408369-Rochdale_EN.html Offering your staff childcare vouchers could be a great way to support employees and save money through tax relief, writes Simon Moore, managing director of childcare voucher provider Computershare Voucher Services. http://local.smallbusiness.co.uk/Childcare_vouchers_Rochdale-r1408368-Rochdale_EN.html http://local.smallbusiness.co.uk/Childcare_vouchers_Rochdale-r1408368-Rochdale_EN.html However, you have to be careful. If you commence trading before the limited company is formed you will have to transfer the assets and liabilities across to the limited company after its formation. This is not difficult provided you keep good records of income and expenses and assets and liabilities. Read more. http://local.smallbusiness.co.uk/Reclaiming_Expenses_Rochdale-r1408367-Rochdale_EN.html http://local.smallbusiness.co.uk/Reclaiming_Expenses_Rochdale-r1408367-Rochdale_EN.html Research and Development (R&D) Relief is a corporation tax relief that may reduce your company or organisation's tax bill by more than your actual expenditure on allowable R&D costs. If your company or organisation is small or medium-sized, you may be able to choose to receive a tax credit instead, by way of a cash sum paid by HM Revenue & Customs (HMRC) http://local.smallbusiness.co.uk/RD_Tax_Credits_Rochdale-r1408366-Rochdale_EN.html http://local.smallbusiness.co.uk/RD_Tax_Credits_Rochdale-r1408366-Rochdale_EN.html If this person has worked consistent hours each week and provides a particular personal service which they cannot easily turn down or pass on to someone else to complete, then there is a chance that this person may be classed as a worker and so entitled to holiday pay. http://local.smallbusiness.co.uk/Holiday_Entitlements_Rochdale-r1408365-Rochdale_EN.html http://local.smallbusiness.co.uk/Holiday_Entitlements_Rochdale-r1408365-Rochdale_EN.html If you have been informed that you are sending material to someone who has died, correct your database immediately. If you don't and someone complains because they are continuing to receive correspondence and you have caused them distress, this could be viewed as a breach of the Act. http://local.smallbusiness.co.uk/Safe_and_Secure_Rochdale-r1408364-Rochdale_EN.html http://local.smallbusiness.co.uk/Safe_and_Secure_Rochdale-r1408364-Rochdale_EN.html You must notify HMRC of the date the company will cease trading. You will also have to notify them that a new sole trader business is taking over the limited company's business together with details of the new business. http://local.smallbusiness.co.uk/Changing_Structures_Rochdale-r1408363-Rochdale_EN.html http://local.smallbusiness.co.uk/Changing_Structures_Rochdale-r1408363-Rochdale_EN.html If the cleaner has other earnings you should check with HMRC whether you need to operate a payroll scheme and register as an employer with HMRC. Once you have registered, you will be given the option of receiving a New Employer pack which contains the Employer's CD-ROM. This CD-ROM contains electronic calculators as well as all the forms and information you'll need to operate PAYE. http://local.smallbusiness.co.uk/Cash_in_Hand_Rochdale-r1408362-Rochdale_EN.html http://local.smallbusiness.co.uk/Cash_in_Hand_Rochdale-r1408362-Rochdale_EN.html Finding the right printer might not seem like the most exciting job, but there are a range of great models available depending on your business needs. Read our guide to find the most suitable one for you. http://local.smallbusiness.co.uk/Hard_Copies_Rochdale-r1408361-Rochdale_EN.html http://local.smallbusiness.co.uk/Hard_Copies_Rochdale-r1408361-Rochdale_EN.html If you are a sole trader, you are liable for all the money your business owes (your liability is unlimited). Your own personal assets, such as your house, furniture and car, can be seized to pay your business debts; in the final breakdown, you can be made bankrupt. http://local.smallbusiness.co.uk/Limiting_Liability_Rochdale-r1408360-Rochdale_EN.html http://local.smallbusiness.co.uk/Limiting_Liability_Rochdale-r1408360-Rochdale_EN.html Professional indemnity insurance could protect your business from financially crippling and often reputation-damaging claims by dissatisfied clients. In this world of frequent deadlines and added pressure, even the most respectable companies can find themselves in dispute with a client over a mistake. http://local.smallbusiness.co.uk/What_is_Professional_Indemnity_Rochdale-r1408359-Rochdale_EN.html http://local.smallbusiness.co.uk/What_is_Professional_Indemnity_Rochdale-r1408359-Rochdale_EN.html The news that an employee is pregnant can be a bit like a surprise visit from the in-laws: you might not be ecstatic about the idea but it’s one of those times in life you just have to put a brave face on things. http://local.smallbusiness.co.uk/How_to_Handle_Maternity_Leave_Rochdale-r1408358-Rochdale_EN.html http://local.smallbusiness.co.uk/How_to_Handle_Maternity_Leave_Rochdale-r1408358-Rochdale_EN.html Alistair Darling’s Budget highlighted the problems many SMEs have in obtaining finance. If you are finding it difficult to get a conventional business loan from the bank there are alternative sources of finance available. http://local.smallbusiness.co.uk/Small_Business_Finance_Rochdale-r1377648-Rochdale_EN.html http://local.smallbusiness.co.uk/Small_Business_Finance_Rochdale-r1377648-Rochdale_EN.html What should I do before selling my business? It can be very hard to sell a business that has become a part of your life but preparation can make letting go easier once you have found the right buyer prepared to pay the right price. When selling your business there are several stages that need to be completed in order to achieve a successful outcome. http://local.smallbusiness.co.uk/Selling_a_Business_Rochdale-r1377647-Rochdale_EN.html http://local.smallbusiness.co.uk/Selling_a_Business_Rochdale-r1377647-Rochdale_EN.html Good business practice would suggest that you advertise, shortlist and interview for every role available within your business. This ensures everyone is given a fair chance as well as ensuring your decision is the best one that you can make in the circumstances and is demonstrably fair. Obviously, as you understand this is a time consuming process however it is considered best practice. http://local.smallbusiness.co.uk/Advertising_Jobs_Rochdale-r1377646-Rochdale_EN.html http://local.smallbusiness.co.uk/Advertising_Jobs_Rochdale-r1377646-Rochdale_EN.html Commercial finance is divided up into three options: factoring, invoice discounting and asset finance. All three can be used to fund growth by advancing money against forthcoming revenues or assets. Due to their nature, they are only open to those trading on a business-to-business basis. http://local.smallbusiness.co.uk/Asset_Based_Finance_Rochdale-r1372085-Rochdale_EN.html http://local.smallbusiness.co.uk/Asset_Based_Finance_Rochdale-r1372085-Rochdale_EN.html The supply of food of a kind used for human consumption is zero-rated for VAT . The term 'food' includes drink in this instance. So sandwiches taken away from the sellers premises are zero rated. http://local.smallbusiness.co.uk/Paying_VAT_on_Food_Rochdale-r1372083-Rochdale_EN.html http://local.smallbusiness.co.uk/Paying_VAT_on_Food_Rochdale-r1372083-Rochdale_EN.html Expenses incurred in running a business should be recorded in the books or financial records of the business as they are incurred. If not, it is easy to lose track of these 'out of pocket expenses', resulting in the records giving a misleading picture. However, recording the costs in the business does not mean that it has to repay you straight away. http://local.smallbusiness.co.uk/Managing_Your_Expenses_Rochdale-r1372082-Rochdale_EN.html http://local.smallbusiness.co.uk/Managing_Your_Expenses_Rochdale-r1372082-Rochdale_EN.html If you're looking for a loan and you are supported by a well-developed business plan , particularly for a relatively small amount of money and assuming a positive credit history, you should get a favourable response. http://local.smallbusiness.co.uk/Small_Business_Funding_Rochdale-r1372080-Rochdale_EN.html http://local.smallbusiness.co.uk/Small_Business_Funding_Rochdale-r1372080-Rochdale_EN.html Losses incurred in the early years of a business can be offset against future profits. What is more, the trading losses of a sole trader or partnership can not only be carried forward to offset against future profits, they can also, in certain circumstances, be offset against other income in the current year or even carried back against income in the previous three tax years. http://local.smallbusiness.co.uk/Offsetting_Costs_against_Future_Profits_Rochdale-r1372079-Rochdale_EN.html http://local.smallbusiness.co.uk/Offsetting_Costs_against_Future_Profits_Rochdale-r1372079-Rochdale_EN.html Many small businesses operate on a very tight budget. Figures published by the Insolvency Service during 2005 show that 12,893 companies went into liquidation and 10,839 self-employed people were declared bankrupt. The need for debt advice for small businesses has never before been in such demand. http://local.smallbusiness.co.uk/Debt_Advice_for_Small_Businesses_Rochdale-r1372078-Rochdale_EN.html http://local.smallbusiness.co.uk/Debt_Advice_for_Small_Businesses_Rochdale-r1372078-Rochdale_EN.html There are two considerations to take into account when looking at making a site transactional: how are clients going to place orders and how are you going to receive payments? Read on for more tips. http://local.smallbusiness.co.uk/Making_a_Transactional_Website_Rochdale-r1372077-Rochdale_EN.html http://local.smallbusiness.co.uk/Making_a_Transactional_Website_Rochdale-r1372077-Rochdale_EN.html Effective marketing is crucial to the success of any business. There are a multitude of marketing channels, either direct to the customer or through an intermediary. Your decision should be based on your knowledge of your customer base and of how they would prefer to hear about, and buy, your products or services. http://local.smallbusiness.co.uk/How_to_Increase_Your_Customer_Base_Rochdale-r1372076-Rochdale_EN.html http://local.smallbusiness.co.uk/How_to_Increase_Your_Customer_Base_Rochdale-r1372076-Rochdale_EN.html Some employers do contract out their services in an effort to avoid the responsibilities and liabilities of the employer/employee relationship. However, before you decide to take this approach you need to be aware of the Transfer of Undertakings Protection of Employees legislation, also known as TUPE. http://local.smallbusiness.co.uk/Outsourcing_Without_the_Legal_Responsibility_Rochdale-r1372075-Rochdale_EN.html http://local.smallbusiness.co.uk/Outsourcing_Without_the_Legal_Responsibility_Rochdale-r1372075-Rochdale_EN.html Writing a health and safety policy is an important step for all businesses – as well as a legal requirement for those with five or more employees. The Heath and Safety Executive (HSE) defines a health and safety policy as a statement about how you will manage health and safety issues within your workplace. http://local.smallbusiness.co.uk/Advice_on_Writing_a_Health_and_Safety_Policy_for_My_Employees_Rochdale-r1372074-Rochdale_EN.html http://local.smallbusiness.co.uk/Advice_on_Writing_a_Health_and_Safety_Policy_for_My_Employees_Rochdale-r1372074-Rochdale_EN.html Whether you trade as a sole trader or as a limited company is a key decision when starting a business. If the decision is to start as a sole trader, it is prudent to review the situation after the business has become established. http://local.smallbusiness.co.uk/Limited_Company_vs_Sole_Trader_Rochdale-r1372073-Rochdale_EN.html http://local.smallbusiness.co.uk/Limited_Company_vs_Sole_Trader_Rochdale-r1372073-Rochdale_EN.html All businesses need to stay on top of legislative changes . It has never been easier to do so thanks to the introduction of Common Commencement Dates. This means that most new laws affecting businesses now come into play on one of two dates each year, either April or October, making it easier for business to remember compliance timings. http://local.smallbusiness.co.uk/Stay_Ahead_of_Changes_in_Legislation_Rochdale-r1372072-Rochdale_EN.html http://local.smallbusiness.co.uk/Stay_Ahead_of_Changes_in_Legislation_Rochdale-r1372072-Rochdale_EN.html Nobody likes disappointed customers, but if your business handles complaints well you could find an angry one becomes a loyal advocate of your business. Alex Tomlin explains how. http://local.smallbusiness.co.uk/Dealing_with_Dissatisfied_Customers_Rochdale-r1372071-Rochdale_EN.html http://local.smallbusiness.co.uk/Dealing_with_Dissatisfied_Customers_Rochdale-r1372071-Rochdale_EN.html Intellectual property is often a business’ most valuable asset, or even its only asset. Scientific inventions, new technology, software and product designs form the foundations of many young companies with aspirations and potential to make the big time in a brand-conscious age. http://local.smallbusiness.co.uk/Is_Your_Intellectual_Property_Safe_Rochdale-r1372070-Rochdale_EN.html http://local.smallbusiness.co.uk/Is_Your_Intellectual_Property_Safe_Rochdale-r1372070-Rochdale_EN.html Basically, if, at the end of any month, your annual turnover exceeds £61,000 in the previous 12 months or less you are required to register for VAT. You can voluntarily register for VAT if the turnover is less than the threshold. http://local.smallbusiness.co.uk/Sole_Traders_and_VAT_Rochdale-r1372069-Rochdale_EN.html http://local.smallbusiness.co.uk/Sole_Traders_and_VAT_Rochdale-r1372069-Rochdale_EN.html Raising finance can be a long and difficult process, even for those with a good credit history. To put yourself in the best position possible, ensure that you have fully prepared your case before meeting with potential sources of finance such as your bank manager. http://local.smallbusiness.co.uk/Opening_a_Business_Bank_Account_with_Bad_Credit_Rochdale-r1372068-Rochdale_EN.html http://local.smallbusiness.co.uk/Opening_a_Business_Bank_Account_with_Bad_Credit_Rochdale-r1372068-Rochdale_EN.html Can I use my deceased cousin’s business name and logo for myself? I checked to see if it was registered and it is not. I know that my dear departed cousin would like his name to be carried on and kept in the family as it always has been. http://local.smallbusiness.co.uk/Advice_on_Taking_over_an_Existing_Business_Rochdale-r1372067-Rochdale_EN.html http://local.smallbusiness.co.uk/Advice_on_Taking_over_an_Existing_Business_Rochdale-r1372067-Rochdale_EN.html One of the challenges for employers in managing stress is that it is often impossible to distinguish whether it is caused by work or by what is happening in an individual’s personal life. http://local.smallbusiness.co.uk/Sick_Leave_in_the_Workplace_Rochdale-r1372066-Rochdale_EN.html http://local.smallbusiness.co.uk/Sick_Leave_in_the_Workplace_Rochdale-r1372066-Rochdale_EN.html Services supplied 'in the course of construction' of a building either designed as a dwelling or number of dwellings, or intended solely for a relevant residential or charitable purpose and services which relate to the construction, are zero rated for VAT. http://local.smallbusiness.co.uk/Registering_for_VAT_Rochdale-r1372065-Rochdale_EN.html http://local.smallbusiness.co.uk/Registering_for_VAT_Rochdale-r1372065-Rochdale_EN.html This article include the basic knowledges of how to cut your staff's hours. If you are interested in this issue, keep on reading and you will know how you can do it. http://local.smallbusiness.co.uk/Cutting_Staff_Hours_Rochdale-r1369941-Rochdale_EN.html http://local.smallbusiness.co.uk/Cutting_Staff_Hours_Rochdale-r1369941-Rochdale_EN.html Your valuation and that of potential buyers are unlikely to tally, yet value it you must before you can begin any sort of sale negotiations. Read on for more details of valuing your business for sale. http://local.smallbusiness.co.uk/Valuing_Your_Business_for_Sale_Rochdale-r1369940-Rochdale_EN.html http://local.smallbusiness.co.uk/Valuing_Your_Business_for_Sale_Rochdale-r1369940-Rochdale_EN.html Management and leadership skills of small businesses leave some room for improvement. Here in this article are some tips on how to be a better leader with better leadership skills. Keep on reading for details. http://local.smallbusiness.co.uk/How_to_Be_a_Better_Leader_Rochdale-r1369938-Rochdale_EN.html http://local.smallbusiness.co.uk/How_to_Be_a_Better_Leader_Rochdale-r1369938-Rochdale_EN.html Incidents of burglary and related crimes can seriously disrupt day-to-day business operations and affect trade; surveys have indicated that the average cost of a burglary at a non-residential property is £2,700. Here in this article are more facts about this issue. http://local.smallbusiness.co.uk/Security_for_Your_Business_Premises_Rochdale-r1369937-Rochdale_EN.html http://local.smallbusiness.co.uk/Security_for_Your_Business_Premises_Rochdale-r1369937-Rochdale_EN.html If you are purchasing a business and do not need to employ all of the current staff, what shoud you do? What should you take into account? Read on to find out the answers. http://local.smallbusiness.co.uk/The_Rules_of_Redundancy_Rochdale-r1369935-Rochdale_EN.html http://local.smallbusiness.co.uk/The_Rules_of_Redundancy_Rochdale-r1369935-Rochdale_EN.html Work out what money your business needs to start up. It’s very easy to forget about some costs related to running a business and they all add up. Read on to find more details. http://local.smallbusiness.co.uk/Finding_Start_Up_Finance_Rochdale-r1369934-Rochdale_EN.html http://local.smallbusiness.co.uk/Finding_Start_Up_Finance_Rochdale-r1369934-Rochdale_EN.html The way you decide to trade will depend on your situation. You need to have detailed consideration before you decide the trading type. Keep on reading for details. http://local.smallbusiness.co.uk/Choose_Your_Trading_Type_Rochdale-r1369933-Rochdale_EN.html http://local.smallbusiness.co.uk/Choose_Your_Trading_Type_Rochdale-r1369933-Rochdale_EN.html The nature of your business may dictate your location or premises choice. You should weigh up the pros and cons of working from home before taking the plunge. Keep on reading for details. http://local.smallbusiness.co.uk/Working_from_Home_Rochdale-r1369932-Rochdale_EN.html http://local.smallbusiness.co.uk/Working_from_Home_Rochdale-r1369932-Rochdale_EN.html Here in this article is the knowledge of office leasing for businesses. If you are not so familiar with this and want to know more about this, keep on reading for details. http://local.smallbusiness.co.uk/Working_Away_from_Home_Rochdale-r1369931-Rochdale_EN.html http://local.smallbusiness.co.uk/Working_Away_from_Home_Rochdale-r1369931-Rochdale_EN.html Consider what employment option best suits your needs and remember that your employees are a valuable investment, so you want to make sure you get it right. Read on to know how to employ people. http://local.smallbusiness.co.uk/Starting_to_Employ_People_Rochdale-r1369928-Rochdale_EN.html http://local.smallbusiness.co.uk/Starting_to_Employ_People_Rochdale-r1369928-Rochdale_EN.html Without the ability to pay for goods online, some businesses are missing out on a big opportunity. If you are planning to trade on line, this article should be read by you. http://local.smallbusiness.co.uk/How_to_Trade_Online_Rochdale-r1369926-Rochdale_EN.html http://local.smallbusiness.co.uk/How_to_Trade_Online_Rochdale-r1369926-Rochdale_EN.html Nowadays, online business is getting more and more popular. And You really have two choices: either build your own website or set one up as an eBay Shop or a Yahoo Store. Read on. http://local.smallbusiness.co.uk/Starting_to_Trade_Online_Rochdale-r1369925-Rochdale_EN.html http://local.smallbusiness.co.uk/Starting_to_Trade_Online_Rochdale-r1369925-Rochdale_EN.html Tax, National Insurance and VAT are an everyday part of thousands of businesses across the country. If you want to know more about them, keep on reading for details. http://local.smallbusiness.co.uk/Income_tax_National_Insurance_and_VAT_Rochdale-r1369924-Rochdale_EN.html http://local.smallbusiness.co.uk/Income_tax_National_Insurance_and_VAT_Rochdale-r1369924-Rochdale_EN.html Without wanting to overstate the obvious, cash is the lifeblood of your business. Running out of it could finish you off. Cash flow is the balance of all the money flowing in and out of your business and forecasting it will make you better prepared for peaks and troughs throughout the year http://local.smallbusiness.co.uk/Keep_Your_Cash_Flowing_Rochdale-r1369923-Rochdale_EN.html http://local.smallbusiness.co.uk/Keep_Your_Cash_Flowing_Rochdale-r1369923-Rochdale_EN.html