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Junior ISAs

The recent volatility of the FTSE 100 might make people wary of investing in stocks and shares, but this new tax-efficient product does have plenty of long-term attractions in the right circumstances. Our IFA can advise fully, but as far as the tax rules are concerned there is complete income tax and capital gains tax exemption with the main features being:

Review of Taxation of Pensioners

This is often seen as overly complex, with many pensioners subject to PAYE before retirement but self-assessment afterwards when they may have several small sources of income that may or may not need tax deducted. A perennial problem indeed! It is not the amount of income that makes somebody’s tax affairs complex – rather it is the number of different sources.

The Office of Tax Simplification (OTS) is to conduct a review of the system of pensioner taxation and make recommendations on how to simplify the tax system and ease tax administration.

Avoiding Penalties

You may have suffered a penalty from HMRC due to late filing of a tax form, and no doubt you will have felt aggrieved but at the same time realised that ordinarily there is little or no scope to get the penalty reduced or withdrawn.

Writing a Press Release

Journalists receive hundreds of press releases on a daily basis and businesses often struggle to attract the attention of the media as a result. Consider the following tips to help you write a press release that catches the attention of journalists.

Eliminate Unnecessary Costs

In the current recessionary climate you need to focus on capping costs while still promoting your business and trying to increase sales/revenues.

New Apple Operating System - OSX Lion

For the ever increasing number of businesses who have switched from using windows based computers to Apple machines, the big news is the launch of the latest Apple operating system, OSX Lion.

Exciting new features for business users include the new “Auto-Save” feature which automatically saves your work every 5 minutes. The system can also be set up to create a new “version” of your document every hour.

Tips for a Killer Marketing Campaign

Learn from the mistakes and successes of your competitors - Watch what your competitors are doing and learn from it. They may be advertising everywhere but it may not be enough to win them new business. Your marketing does not necessarily have to centre on traditional advertising.  Sometimes, more subtle approaches such as email marketing, direct mail or even blogging via Twitter can prove more targeted and yield better results than buying expensive advertisements.

Tips for Getting the Most out of Your Staff

Regular feedback - Your employees need to know how they are doing and regular feedback is the key to keeping them motivated. Staff need to know how they are performing so that they can identify the areas where they need to improve, which contributes significantly to their job satisfaction. The more positive and objective the feedback you provide the better. People need recognition and encouragement. If you make your staff feel good about their work, they will reward you by performing better.

Working At Height

The health and safety executive (HSE) have recently released a new video which shows the application of the Work at Height Regulations of 2005. In this article we briefly outline the basics of what you should be aware of in relation to this legislation. For more detailed information we recommend reviewing the guidance available on the HSE website –

Bribery Act 2010

The Bribery Act 2010 came into force on 1 July 2011.  The Act repeals previous law creating new criminal offences for companies and individuals.

Businesses should review and update company policies and where necessary draft their own Anti - Bribery Policy.

The key offences

  • Accepting a bribe
  • Bribing another person (whether directly or indirectly)
  • Bribing a foreign public official
  • Commercial organisations failing to prevent bribe