Category: Business Plan

It has been a few tough years for people in Britain, much of 2020 and 2021 was wiped out with COVID lockdowns and then just as things were getting back to normal the war in Ukraine has lead to a cost of living crisis with price of ingredients soaring sky high, energy costs shooting up and very high interest rates for those with mortgages or borrowing money.

Lockdown Savings Were At An All Time High

Lockdowns in the UK were imposed in March 2020 and lasted for 18 months with varying degrees of restrictions around them once people were allowed out. A lot of focus was put on the impact it would have on businesses, particularly those that relied upon volume of people like hospitality and in particular, travel. One thing people didn’t foresee happening however was just how much money would be saved by being restricted to your home and only allowed to go to the supermarket or out for some exercise. On average, people in the UK are able to save 16% of their monthly income but during the lockdowns this shot up to 26% due to working from home. There were no travel costs, no going out for drinks or meals or holidays. It was expected that following this there would be a big boom of spending once restrictions were relaxed but this never occurred, people held on to their savings for a rainy day on the whole.

Cost Of Living Crisis

After finally breaking free form …

As a small business owner, you’ll likely already have plenty to sort out and do on a daily basis. Some business-related tasks can seem intimidating and boring, but when it comes to important things such as business insurance, this is one of the things that you should really be ticking off your to-do list.

There are different types of insurance that you should have in place for your business to protect your employees, property and bottom line, whilst ensuring you don’t pay any fines in the process. Luckily, getting business insurance isn’t as complicated as it may initially seem. Let’s take a look at a quick guide to the insurance that a small business needs.

Public Liability Insurance

Public liability insurance is one of the more popular insurance policies that small businesses will need. This insurance covers you for any claims made against you by members of the public. We all know that accidents happen, but if you or one of your team causes accidental injury or property damage to a member of the public, you could be looking at large legal fees and compensation fees that could run into the millions.

This is why public liability insurance is so important, as it will cover the costs and keep your business up and running whilst being dealt with. You may find that some clients or suppliers request you have public liability insurance in place before working with them.

Life Insurance

Business life insurance can provide financial security for both your …

Understanding the information on your paystub as an employee is crucial to managing your money. However, understanding the paystub deduction is even more important as it constitutes the difference between your gross pay and net pay.

Paystub deductions are wages withheld from an employee’s total earnings for the purpose of paying taxes, garnishment and benefits. It can be a mandatory or voluntary deduction. Each deduction is processed each pay period based on the tax laws and withholding information supplied by a court order or your employees.

Without further ado, let’s explore the major paystub deductions made on your pay stub check  

• Federal income tax

This is a mandatory deduction by the government for every citizen to pay for public programs and maintenance of several areas of the governance of the country.

• State and local income tax (SALT) 

Unlike the federal income tax, the state tax is on the state level. It is required to manage the expenses in the state. Each state’s tax varies; some states don’t levy income tax and some charge very little. You should consult with the state government you operate in. 

The same goes for your local city, if your city imposes on income tax, set free time to research it. 

• Federal insurance contribution Act (FICA)

FICA taxes contribution support Social Security and Medicare. Medicare is a federal health insurance program. It currently stands at 7.65% per paycheck. As an employee, you’ll be required to pay 6.2% for social security tax and 1.45% for Medicare tax. …

With the development of considerable new technologies, many companies are now embarking on online recruitment. It is indeed a more practical and also a more effective way of measuring and assessing the qualities and skills of candidates. Considering this, this implies above all the creation of an online CV, a task that could be easy for many people, but which can be difficult for some. This is why in this article we give you some tips for creating and launching an online CV.

How to create an online CV?

There are two main methods to create your CV online. To start, you can create the CV from your computer and then publish it in PDF or Word format on the internet. However, it is also possible to create it by simply filling out your CVs with pre-established designs on the Web. This second method is particularly attractive due to its simplicity. However, it might cause some customization issues. Indeed, as companies are always looking for people with a creative spirit, an original CV will certainly be more effective. Furthermore, it is good to know that some online cv builder sites offer customization options when it comes to images, fonts, background, colors, and many more.

Moreover, if you still want to create your CV on your computer before publishing it on the internet, the procedure to follow is the classic one. In other words, you have to create the different sections yourself and in the established order.

How to post your

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London has some of the most impressive business districts in the world, so it’s no surprise that you might be heading there on a business trip! If you’ve not been to London before or not for a while, we’re here to give you a few tips on how best to prepare so that the day goes as smoothly as possible for you.

Book Your Transport

The first thing you need to do when preparing for your business trip to London, whether you are going just for the day or for longer, is to book your transport. Once you know exactly where it is you will be going, decide on the best method of transport (driving and parking at Care Park, train, plane if you’re coming from overseas, bus or tube) and then get everything booked that you can. This will ensure that you get the best seats and once this is booked, you can confidently start sorting everything else.

Travel Off-Peak

Whilst on the topic of transport, another way you can prepare to make the day go as smoothly as possible is to travel off-peak. Whilst your company is likely to be expensing the trip so money isn’t as much of a concern, the main thing to consider here is how busy London gets during rush hours (around 7am until 9am and 5pm until 7pm on working days).

If you’re going to an important business meeting, you don’t want to be all cramped on public transport getting there. You …

Last year, around 15.5 million plastic surgery procedures were carried out in the UK and, although the trend for aesthetic plastic surgery procedures has decreased over the past 5 years, the trend for reconstructive or reformative plastic and cosmetic surgery is on the increase. As a result, cosmetic surgeons all over the world are looking to promote their businesses in order to reach a wider audience.

 

Cosmetic surgeries range from facelifts to reconstructive procedures following an animal bite and are designed to appeal to all genders and age groups from 18+. But, with so much medical guidance in place, how exactly do you advertise your cosmetic surgery? Let’s take a look at some tips.

 

Include Medical Licences

One of the first things that people look for when they are considering a medical treatment is how qualified the individual performing the treatment is. Your medical licences act as your badge of trust and should be on display for the world to see. Include mentions of your certificates and licences on your website as well as in any online advertising. This doesn’t need to be in the format of wording within the ads, just adding the logo of the licensing board is enough, plus helps to reduce the amount of wording used in your advertising.

 

Use Patient Testimonials

We all use reviews, particularly when buying new or expensive products. But, with medical procedures, it’s often hard to get feedback on treatments, recovery and the team leading the procedure. With …

People know they can easily afford their housing loan payment. They have enough money saved for a down payment (DP). But there is one cost of taking on home debentures that could further drain people’s savings: the closing charges that are connected with it.

These are charges that individuals need to pay to their firms and third-party sources – such as title insurance firms or real estate legal counsel – to make up them for their services in originating as well as closing the home loan. These things can be pretty expensive.

Property purchasers can expect to pay two to five percent of their loan amount in closing charges when taking out purchase mortgages. For a debenture of $150,000, individuals can expect to pay from three thousand to seven thousand five hundred dollars in closing costs.

Financial and mortgage experts say that individuals must speak with their lån officers about these charges early in the process. The government requires lending firms like traditional banks or lending firms to provide people with proper documentation listing the estimated and final closing charges.

But the earlier consumers prepare for these costs, the better. According to experts, purchasers never like what they see on these documents. Everyone is shocked by these charges they need to pay. It doesn’t matter if the buyer is a first-time property purchaser or if they have taken out debentures before; everyone is surprised at how costly it is to take loans. Most individuals wish it is a different story. …