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LATEST! 26.01.2015
(scroll down to see full list; previous month's (December 2014) Viewpoint

Scroll down for: A Home and Small Business Viewpoint by Len Tondel, from 1st January 2015

By way of explanation. The term 'home business' consists of two words. 'Business' is the second one; it's there to qualify and support the word 'home' and all that goes with it - and not vice versa. Consequently, we also list below, items which are of interest and value to the home. Whether in its context as an office or as a part of your family and lifestyle but always directed at the improved prospects and enjoyment that running a business from home, in its entirety, can bring.

For a current, multi-part overview of starting and running a business from home, go here: http://www.homebusiness.org.uk/features.htm

26.01.2015: Banks refusing to refund phone scam victims. http://www.dailymail.co.uk/news/article-2926100/Disgrace-banks-refusing-refund-phone-scam-victims-Former-boss-urges-people-legal-action-money-not-returned-straight-away.html

Freelance workers typically earn more and don't have to face a boss or unfair criticism. http://www.dailymail.co.uk/news/article-2926054/Why-sack-make-happy-Freelance-workers-typically-earn-don-t-face-boss-unfair-criticism.html

Over 100 million buyers shop at Alibaba every day. http://www.telegraph.co.uk/technology/technology-video/11366308/Jack-Ma-Over-100-million-buyers-shop-at-Alibaba-every-day.html

How your neighbours can reduce the value of your home. http://money.aol.co.uk/2015/01/25/how-your-neighbours-can-reduce-the-value-of-your-home/

Room sharing rises in London. http://www.theguardian.com/money/2015/jan/25/london-tenants-forced-to-share-rooms

25.01.2015: Scammers target taxpayers as deadline looms. http://money.aol.co.uk/2015/01/21/scamwatch-tax-return-fraud/

Buy-to-let: which types of property give the biggest returns? http://www.telegraph.co.uk/finance/personalfinance/investing/buy-to-let/11355004/Buy-to-let-which-types-of-property-give-the-biggest-returns.html

Foreign owners deserting London homes. http://www.theguardian.com/uk-news/2015/jan/25/its-like-a-ghost-town-lights-go-out-as-foreign-owners-desert-london-homes

Late payments leave 1 in 10 small firms 'with major cash flow headaches'. http://enforbusiness.com/news/late-payments-leave-1-10-small-firms-major-cash-flow-headaches-201511210

24.01.2015: Black Friday 'may have hit Christmas sales', says ONS. http://www.bbc.co.uk/news/business-30947997#

Four ways banks rip off savers. http://www.telegraph.co.uk/finance/personalfinance/savings/11358135/Four-ways-banks-rip-off-savers-and-how-to-beat-them.html

Bonanza for millions of British tourists as euro hits 13-year low. http://www.dailymail.co.uk/news/article-2924278/Bonanza-British-tourists-euro-set-hit-13-year-low.html Looks like a lean summer as not only more Brits book their holidays abroad but tourists wishing to visit Britain fall off due to the value of the £. Not so much an economic 'bonanza', more a disaster.

Charitable techies can now donate their skills to nonprofits in need. http://www.springwise.com/charitable-techies-donate-skills-nonprofits/

Photography competition: home. https://witness.theguardian.com/assignment/54be7423e4b0e8beb560e346?INTCMP=mic_231930

CNET Community: Retailers data breached, now my email account is inundated with rogue emails! http://nls.cnet.com/pageservices/viewOnlineNewsletter.sc?list_id=e497

23.01.2015: Home ownership collapses among people aged under-35. http://www.dailymail.co.uk/news/article-2922745/Home-ownership-collapses-people-35-Number-property-halved-past-two-decades.html Yet unemployment is in freefall and earnings are going up?

The charity shop capital of Britain putting independents out of business. http://www.dailymail.co.uk/news/article-2921635/Is-charity-shop-capital-Britain-Town-coach-loads-bargain-hunters-come-visit-24-cut-price-stores-crammed-just-three-streets-independent-businesses-close-crippling-rents.html

Platform lets customers talk to any local business via text. http://www.springwise.com/platform-lets-customers-talk-local-business-text/

Volunteers can lend their eyes to the blind via video chat app. http://www.springwise.com/volunteers-lend-eyes-blind-video-chat-app/

Barclays banking services interrupted. http://www.bbc.co.uk/news/business-30944195#

22.01.2015: Ministers make life harder for freelancers. http://www.independent.co.uk/news/business/comment/james-moore-ministers-make-life-harder-for-freelancers-9994159.html

Falling oil prices not being passed on. http://money.aol.co.uk/2015/01/21/the-great-energy-rip-off-falling-oil-prices-aren-t-being-passe/ Is there anyone out there who seriously thought they would be? Wait! Yes. There is someone. It's another charlie.

UK's worst energy suppliers. http://www.telegraph.co.uk/news/shopping-and-consumer-news/11361529/Named-and-shamed-Britains-worst-energy-suppliers.html

Britons set to spend more on wine than the French. http://www.dailymail.co.uk/news/article-2919659/Britons-set-spend-wine-French-developing-taste-expensive-bottles.html

Councils reminded about rate relief for childcare. http://www.nurseryworld.co.uk/nursery-world/news/1149131/childcare-minister-calls-business-rate-relief-nurseries The Department for Communities and Local Government (DCLG) has written to local authorities in England encouraging them to offer business rate relief to childcare providers. The letter, which follows a request from Childcare Minister Sam Gyimah, urges finance officers to 'consider using their powers to provide relief to childcare providers where there is a clear community benefit' and reminds them that central government will fund 50% of any discount granted. The average rateable value of nurseries (around £30,000) means most are excluded from England's Small Business Rate Relief (SBRR) scheme. (EnterpriseQuest)

Childhood toys worth hundreds - and those worth nothing. http://www.telegraph.co.uk/finance/personalfinance/11355631/Childhood-toys-worth-hundreds...and-those-worth-nothing.html

5 common small business goal-setting mistakes. http://sbinformation.about.com/od/startingabusiness/fl/5-Common-Small-Business-Goal-Setting-Mistakes.htm?nl=1

Movable homes for young people could fill derelict lots in expensive cities. http://www.springwise.com/movable-homes-young-people-fill-derelict-lots-expensive-cities/

In Italy, 3D printer builds affordable homes from mud. http://www.springwise.com/italy-3d-printer-builds-affordable-homes-mud/

21.01.2015: New rules for price comparison websites. http://www.bbc.co.uk/news/business-30912626#

12 months'-worth of entrepreneurs' resources. http://entrepreneurs.about.com/od/becominganentrepreneur/a/Twelve-Months-Of-Entrepreneurial-Resources-And-Action-Plans.htm?nl=1

Best value-for-money hotel in the world is in Wales. http://www.telegraph.co.uk/travel/11357715/Best-value-hotel-in-the-world-Its-in-Wales.html

Britain's best fish 'n chips shop is in the Shetland Isles. http://www.telegraph.co.uk/foodanddrink/foodanddrinknews/11357228/Britains-best-fish-and-chips-shop-is....-a-remote-Shetland-shack.html The Shetland Isles will be well worth a visit then.

Taxpayers to pay £165 unecessary in tax this year. http://money.aol.co.uk/2015/01/20/taxpayers-to-pay-165-in-unnecessary-tax-this-year/

EE to refund customers overcharged abroad. http://money.aol.co.uk/2015/01/20/ee-to-refund-customers-overcharged-abroad/

Most popular passwords of 2014. http://www.telegraph.co.uk/technology/internet-security/11357801/Most-popular-password-of-2014-was-123456.html

eBay didn't do enough over camper van scam. http://www.telegraph.co.uk/finance/personalfinance/money-saving-tips/jessicainvestigates/11355536/eBay-didnt-do-enough-over-camper-van-scam.html

SME insights from Small Business Saturday. http://www.bmmagazine.co.uk/news/sme-insights-small-business-saturday/?utm_source=Business+Matters+Daily&utm_medium=email&utm_campaign=Daily+News+update&utm_content=info%40homebusiness.org.uk

20.01.2015: UK retail crime at 10-year high. http://www.bbc.co.uk/news/business-30889846#

New Retail Ombudsman can investigate your shopping complaint - but it comes with a catch. http://www.telegraph.co.uk/finance/personalfinance/11333939/New-Retail-Ombudsman-can-investigate-your-shopping-complaint-but-it-comes-with-a-catch.html

Car insurance costs could rise by 10%. http://www.bbc.co.uk/news/business-30884980#

Changes to self-employed NICs announced. http://www.tax.org.uk/tax-policy/newsdesk/2015/class_2_NIC_reform_changes Further details of changes to National Insurance contributions (NICs) for the self-employed have been released by HM Revenue & Customs (HMRC), the Chartered Institute of Taxation (CIOT) has reported. The changes, which were announced in the 2014 Budget, will result in self-employed taxpayers paying Class 2 NICs via self-assessment from April 2016. HMRC will also make Budget Payment Plans available to taxpayers who pay NICs by direct debit and are up-to-date with their payments, which will help spread the cost of contributions. HMRC has also announced that, from 6th April 2015, Class 2 NICs will only be mandatory if the self-employed taxpayer has profits above the Small Profits Threshold (SPT). The SPT will replace the Small Earnings Exception Limit. (EnterpriseQuest)

Two in five people confused by online self-assessment. http://www.which.co.uk/news/2015/01/millions-confronted-by-tax-jargon-on-hmrc-site-391101/ Two in five people who have completed their self-assessment tax return online in the last two years say they were confused by jargon on the HMRC website, according to a survey conducted by Which? The survey revealed that 38% of respondents found the jargon confusing, while 32% found the tax form difficult to complete, and 39% said they needed to use guidance from sources other than HMRC to complete their return. A free tax calculator has been launched by Which? to help anyone needing to complete a tax return. The calculator explains rules about tax allowances and deductions. (EnterpriseQuest)

How criminals can suck information out of smartphones using public wi-fi networks. http://www.dailymail.co.uk/news/article-2917099/How-criminals-easily-suck-information-smartphones-using-public-Wi-Fi-networks.html

Paris locals report drop in visitors following terror attacks as 6,000 French troops patrol streets and capital remains on 'attack alert'. http://www.dailymail.co.uk/travel/travel_news/article-2916454/Paris-locals-report-drop-visitors-following-terror-attacks-6-000-French-troops-patrol-streets-capital-remains-attack-alert.html With growing conviction across the entire political spectrum that the Paris attacks were organised by either Mossad or CIA wigheads, the average visitor to Paris isn't re-assured by any extra police and troop presence whatsoever, bearing in mind the French government's use of riot police last year to contain marchers peacefully protesting against Israeli terrorist savagery in Palestine; more recently, allowing '90,000' French gendarmes and troops to let loose tens of thousands of rounds of ammunition to indiscriminately kill a handful of suspected 'terrorists', supposed hostages and passers-by alike; and culminating in the assassination of a respected, senior police officer who refused to go along with the whole charade. Instead, visiting Europeans, especially those with long memories, are reminded of the choreographed rise of Fascism in the 1930s and will form their own, non-hashtag conclusions. To the detriment once again, of the French small business community. Followed by the German small business community; and the English; and so on.

Gas backpacks enable rural entrepreneurs to make and sell biofuel. http://www.springwise.com/gas-backpacks-enable-rural-entrepreneurs-sell-biofuel/

Smart handlebars use haptic feedback to enable screen-free navigation. http://www.springwise.com/smart-handlebars-haptic-feedback-enable-screen-free-navigation/

19.01.2015: I'll give £6k gifts to entrepreneurs, says Cameron. http://www.dailymail.co.uk/news/article-2915980/I-ll-6k-gifts-entrepreneurs-says-Cameron-PM-pledge-make-Britain-s-employment-rate-highest-world-second-election-speech.html 'Gifts'? Or more taxpayer-funded financial millstones for the country's unemployed?

What's the point of carrying a mobile phone these days? http://www.telegraph.co.uk/technology/technology-topics/11351591/Whats-the-point-of-carrying-a-mobile-phone-nowadays.html

Gazundering to return to the housing market as buyers get the upper hand. http://www.telegraph.co.uk/finance/newsbysector/constructionandproperty/11354128/Gazundering-to-return-to-the-housing-market-as-buyers-get-the-upper-hand.html

Litter outside your home slashes 12% off its value. http://www.dailymail.co.uk/news/article-2915296/Litter-outside-home-knocks-12-house-prices-meaning-cuts-street-cleaning-costs-owners-thousands.html

Russian tourist spending in UK down 28%. http://www.bbc.co.uk/news/business-30869979# That'll teach them. Still. Cameron has a plan. He is going to gift Britain's 'entrepreneurs' with £6k each (which is NOT dole money by another name, he hastened to add) to help them weather the sanctions storm.

Latest Eurostar shutdown: passenger rights. http://www.independent.co.uk/travel/news-and-advice/eurostar-fire-qa-what-are-passengers-rights-over-cancellations-and-disruptions-9985818.html

7 things on which to stop wasting time, energy and money. http://entrepreneurs.about.com/od/lifestyle/tp/Top-Things-Youre-Overthinking.htm?nl=1 To be read with a liberal pinch of salt.

Can fridges and freezers get too cold? http://www.telegraph.co.uk/property/propertyadvice/11350982/Can-fridges-and-freezers-get-too-cold.html

18.01.2015: 7 out of 10 mobile phone customers could save £159 a year by switching to more suitable contracts. http://www.telegraph.co.uk/technology/mobile-phones/11351353/Mobile-customers-overpay-by-5.4bn-per-year.html

The cheapest (and most expensive) places to live abroad. http://www.independent.co.uk/news/business/news/thinking-of-moving-abroad-here-is-a-list-of-the-cheapest-and-most-expensive-countries-9985275.html

Why it's good to do business down-beside-the-sea. http://www.bmmagazine.co.uk/news/good-business-besides-sea/?utm_source=Business+Matters+Daily&utm_medium=email&utm_campaign=Daily+News+update&utm_content=

Rural businesses are still being disadvantaged in the digital age. http://www.bmmagazine.co.uk/news/rural-businesses-still-disadvantaged-digital-age/?utm_source=Business+Matters+Daily&utm_medium=email&utm_campaign=Daily+News+update&utm_content=

Platform lets travellers find the perfect locals for tailored nightlife tours. http://www.springwise.com/platform-lets-travellers-find-perfect-locals-tailored-nightlife-tours/

Smart modular greenhouses turn urban rooftops into gardens. http://www.springwise.com/smart-modular-greenhouses-turn-urban-rooftops-gardens/

17.01.2015: Millions with multiple incomes at risk of shock tax bills. http://www.telegraph.co.uk/finance/personalfinance/tax/11352114/Millions-with-multiple-incomes-at-risk-of-shock-tax-bills.html

Cars and lofts fuel £72 billion debt surge. http://www.dailymail.co.uk/news/article-2914140/Cars-lofts-fuel-72billion-debt-surge-Borrowing-rockets-amid-increase-consumer-confidence.html

CNET Community: Here is how I back up my data. How do you do it? http://nls.cnet.com/pageservices/viewOnlineNewsletter.sc?list_id=e497

16.01.2015: RBS admits mis-selling small business loans. http://www.bbc.co.uk/news/business-30841416# And that will be the end of that.

Food suppliers at risk of collapse. http://www.bbc.co.uk/news/business-30841416# Aren't these sanctions against the Ruskies doing well?

Relief extended for poor with debts. http://www.bbc.co.uk/news/business-30833724#

Rural areas may get cheaper fuel. http://www.dailymail.co.uk/news/article-2912644/Rural-areas-cheaper-fuel-17-remote-locations-receive-five-pence-litre-cut-scheme-given-approval-European-Commission.html

Eurozone crisis provides Britons with boost for buying property in Europe. http://www.express.co.uk/finance/personalfinance/551932/Eurozone-crisis-provides-Britons-boost-buying-property-Europe

BT faces tough new broadband tests. http://www.bbc.co.uk/news/technology-30831125#

SMEs prioritise tech & broadband for investment in 2015. http://www.bmmagazine.co.uk/news/smes-prioritise-tech-broadband-investment-2015/?utm_source=Business+Matters+Daily&utm_medium=email&utm_campaign=Daily+News+update&utm_content=info%40homebusiness.org.uk According to a survey commissioned by broadband providers, TalkTalk.

Start-up advice: Accounting and taxes – you don't need to be a maestro. http://www.bmmagazine.co.uk/in-business/advice/start-advice-accounting-taxes-dont-need-maestro/

3D printed external ankle ligament prevents sprains. http://www.springwise.com/3d-printed-external-ankle-ligament-prevents-sprains/

Smart acupuncture pen checks if you’re getting enough vitamins. http://www.springwise.com/smart-acupuncture-pen-checks-vitamins/

6 tips for raising your small business rates without losing your clients. http://sbinformation.about.com/od/creditloans/a/raise-your-small-business-rates.htm?nl=1

Spring clean your finances in this order – and save £17,091. http://www.telegraph.co.uk/finance/personalfinance/money-saving-tips/11336242/Spring-clean-your-finances-and-save-17091.html?WT.mc_id=e_3832818&WT.tsrc=email&etype=personalfinance&utm_source=

15.01.2015: Housing market supply close to historic low in December. http://www.bbc.co.uk/news/business-30822255#

BP to announce North Sea job cuts. http://www.bbc.co.uk/news/uk-scotland-scotland-business-30817678# This will also include pay cuts for contractors. So much for the 'experts' and politicians who were being quoted in the Israeli-American neocon media as recently as a week or two ago, that the North Sea would prove resilient to US-Saudi oil price manipulation. Perhaps their time has come for an appearance on Fux News?

Online shopping hit by December dip. http://www.dailymail.co.uk/news/article-2910869/Online-shopping-hit-December-dip-Sales-consumers-advantage-Black-Friday-deals.html Nothing to do with all those scare stories in the national hysteria, both real and imagined, about not enough East European delivery drivers being available? English drivers having taken the month off for their Christmas holidays.

Ban Black Friday and stop wasting police time. http://www.telegraph.co.uk/news/shopping-and-consumer-news/11346017/Ban-Black-Friday-and-stop-wasting-police-time-say-MPs.html It's very unusual for Wankminster's Bent Ones to be suggesting a ban on anything American. And their concern for wasting police time is touching if somewhat less than convincing. Or are they about to ban alcohol, too? And so-called 'reality' tv police shows?

The future of street markets. http://www.bbc.co.uk/news/business-27442765

'I'll be a millionaire by 20': Dyslexic entrepreneur, 17, who struggled at school has TWO successful businesses. http://www.dailymail.co.uk/femail/article-2908330/The-dyslexic-entrepreneur-17-TWO-successful-businesses.html The article states, 'we are turning over £30,000 yearly and doubling yearly,' and 'turned over £13,000 profit in the first year', and concludes, 'My net worth is currently £280,239 ($423,000).' Gets a lot of American readers, does it, The Daily Mail? Still, the lad has clearly got some significant backing which always helps even if his disdain for the banks, however merited, is scarcely a 'normal' path for the average, successful home-based business. The best of luck to him, though. Perhaps some help with distinguishing between 'turnover' and 'profit' in the meantime, would be helpful?

Empowering locals to bring phone signal to remote areas. http://www.springwise.com/empowering-locals-bring-phone-signal-remote-areas/

Multi-sensory 3D printed maps help the blind to navigate. http://www.springwise.com/multi-sensory-3d-printed-maps-blind-navigate/

6 signs that it is time to raise your rates. http://sbinformation.about.com/od/creditloans/fl/6-Signs-That-It-Is-Time-to-Raise-Your-Rates.htm?nl=1

Tackling late payment. http://www.bmmagazine.co.uk/in-business/advice/tackling-late-payment/

5 top tips for managing cash flow. http://www.bmmagazine.co.uk/columns/opinion/five-top-tips-managing-cashflow/

14.01.2015: Small online retailers expect sales boost. https://www.myroyalmail.com/news/2015/01/e-growth Over two thirds (70%) of small and medium-sized online retailers are expecting sales to increase in 2015, according to a study carried out by Royal Mail. This is compared with 61% of retailers in 2014. Despite the increased optimism, over three quarters (76%) of retailers surveyed said they felt competition was more intense now than it was a year ago. Almost two thirds (63%) said they planned to increase the number of channels they used in order to grow sales in 2015, with a quarter saying they planned to start using online marketplaces. According to the study, the majority of retailers (58%) were successful in achieving an increase in sales in 2014, up from 49% in 2013. (EnterpriseQuest)

Competition for small shops launched. http://www.acs.org.uk/calling-all-small-shops-best-small-shop-competition-launched-today/ Retailers are being urged to enter a competition to find the best small shop in the UK, which has been organised by the All Party Parliamentary Small Shops Group (APPSSG). Applicants must write a 500 word description of why their shop should win, explaining how they innovate, engage with the community, and demonstrate entrepreneurial activity. Commenting on the competition, APPSSG Chairman Simon Danczuk said: "We are looking for the best small shops in the UK to come forward and tell us the great work they do to serve their communities and create jobs in the economy." The closing date for applications is 30th January 2015 and retailers who succeed in being shortlisted will be invited to a reception at the Palace of Westminster on 25th February 2015, where the winner will be announced. (EnterpriseQuest)

Rise of smart phones and social media makes people crave real books, British Library report finds. http://www.telegraph.co.uk/news/uknews/11343797/Rise-of-smart-phones-and-social-media-makes-people-crave-real-books-British-Library-report-finds.html I must admit that when travelling by train especially, the number of people still reading 'old-fashioned' books, is almost striking. As striking as the near-absence of people using e-book readers.

Campaign puts £88bn economic value on 'soft skills'. http://www.bbc.co.uk/news/education-30802474# The campaign is being backed by McDonalds, who are offering their expertise gained from selling soft French fries.

EU-US TTIP trade talks hit investor protection snag. http://www.bbc.co.uk/news/world-europe-30798023# Apparently, TTIPox talks have met with 'huge scepticism' in Europe. Despite massive support from Israeli-American neocon propaganda.

French court rules against Ski Club. http://www.telegraph.co.uk/travel/snowandski/skiing-news/11343490/French-court-finds-against-Ski-Club-of-Great-Britain.html One can hardly expect anything else from the French. It's a bit like asking them to promote anti-semitic cartoons, manifs and hate-preachers while making it illegal at the same time, to practise Islamophobia - on the grounds that only a tiny minority of the French are charlies.

Why marketing managers should be looking at SMS marketing. http://www.bmmagazine.co.uk/in-business/advice/marketing-managers-looking-sms-marketing/

13.01.2015: Cameron warns of a legacy of debt. http://www.bbc.co.uk/news/uk-30773974#

Borrowing money in the UK has become dirt cheap. http://www.telegraph.co.uk/finance/economics/11341272/A-collapse-in-the-cost-of-loans-and-mortgages-will-give-the-Tories-a-boost.html

EOn to cut gas prices by 3.5%. http://www.bbc.co.uk/news/business-30792208#

New rates guidance for home-based business. https://www.gov.uk/government/publications/council-tax-and-business-rates-home-based-businesses The Valuation Office Agency (VOA) has updated its guidelines to help people running a home-based business understand whether they will be liable to pay council tax only, or council tax and business rates. Circumstances when only council tax is applicable would include where only a small part of a home is used for business purposes; where the home-based business does not employ anyone else to work from the premises; and where goods are posted to customers, rather than collected in person. (EnterpriseQuest) New? We don't see anything 'new'.

Renters' rights stuck in dark ages. http://www.theguardian.com/money/2015/jan/13/private-rent-rights-dark-ages-landlords

HMRC rejects majority of IR35 recommendations. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/391494/IR35_Forum_Admin_Review.pdf and:
http://www.freelanceuk.com/news/4674.shtml HM Revenue & Customs (HMRC) has published its response to the IR35 Forum's review of HMRC's approach to IR35 administration, accepting ten of the Forum's recommendations. This included the proposal that business entity tests should be abolished. HMRC has accepted a further two proposals in principle but not in practice. However, the remaining 20 recommendations have been rejected outright. This news was greeted with disappointment by commentators such as Qdos Consulting's Seb Maley and Clearsky Contractor Accounting's Derek Kelly, who described the accepted recommendations as "hardly game changing" and "a PR plan for IR35".

5 most common online tax return mistakes. http://www.telegraph.co.uk/finance/personalfinance/tax/11333463/Five-most-common-online-tax-return-mistakes-and-how-to-avoid-them.html

12.01.2015: Of 760,000 additional businesses claimed by the Tories, 707,200 have no employees. http://www.independent.co.uk/news/business/comment/david-blanchflower/david-blanchflower-the-chancellors-claims-are-as-airbrushed-as-his-election-poster-9971352.html

Hardware revolution for start-ups. http://www.theguardian.com/technology/2015/jan/11/startups-hardware-new-technology-revolution

'Home improvement discount' scam. http://money.aol.co.uk/2015/01/12/dont-fall-for-this-home-improvement-discount-scam/

When insurance is probably a waste of money. http://money.aol.co.uk/2015/01/12/when-insurance-is-probably-a-waste-of-money/

11.01.2015: HMRC investigations into buy-to-let spark surge in tax receipts. http://www.telegraph.co.uk/finance/personalfinance/tax/11335872/HMRC-investigations-into-buy-to-let-spark-surge-in-tax-receipts.html

Energy watchdog complaints triple. http://www.theguardian.com/money/2015/jan/10/complaints-uk-energy-watchdog-triple-ofgem

Half of fuel-poor households are in work. http://www.bbc.co.uk/news/business-30743471#

Green Deal nightmare. http://www.telegraph.co.uk/finance/personalfinance/energy-bills/11287233/Green-Deal-nightmares-British-Gas-botched-our-insulation-then-offered-50-Nandos-meal.html

10 companies that don't listen to their customers. http://i100.independent.co.uk/article/10-companies-that-just-dont-listen-to-their-customers--ekyqqlZU5l

10 great things to do for free this January. http://money.aol.co.uk/2015/01/10/10-great-things-to-do-for-free-this-january/

Think being an entrepreneur is easy? Most work 60 Hour weeks to go alone. http://www.bmmagazine.co.uk/news/think-entrepreneur-easy-work-60-hour-weeks-go-alone/?utm_source=Business+Matters+Daily&utm_medium=email&utm_campaign=Daily+News+update&utm_content=info%40homebusiness.org.uk And the rest!

10.01.2015: English farmers could grow commercial GM crops for first time. http://www.telegraph.co.uk/news/earth/agriculture/farming/11336184/English-farmers-could-grow-commercial-GM-crops-for-first-time.html Another British export 'killer' as fagging for American Big Corp wins the day yet again. Fortunately, the rest of Europe is not made of the same stuff as English political sheep.

Milk prices driving British dairy farming to extinction. http://www.dailymail.co.uk/news/article-2904107/Store-wars-drive-milk-record-low-farmers-warning-dairy-industry-faces-extinction-prices-continue-fall.html

Cash point fraudsters use iPod nano to steal PINs. http://www.telegraph.co.uk/technology/news/11335989/Cash-point-fraudsters-use-iPod-nano-to-steal-PINs.html

Cowboy builder leaves 'code' pattern in driveway letting others know homeowner is an easy target. http://www.telegraph.co.uk/news/uknews/crime/11335253/Cowboy-builder-leaves-code-pattern-in-driveway-letting-others-know-homeowner-is-an-easy-target.html

Premium rate text trap: retired vicar billed £200 for gambling texts he didn't want. http://www.telegraph.co.uk/finance/personalfinance/household-bills/11328500/Premium-rate-text-trap-retired-vicar-billed-200-for-gambling-texts-he-didnt-want.html

The best houses with offices. http://www.telegraph.co.uk/property/buyingsellingandmoving/11333697/The-most-amazing-houses-with-offices-for-sale.html

Device adds 100 smart features to any bike. http://www.springwise.com/device-adds-100-smart-features-bike/

In France, fashion firm turns old Christmas trees into sexy lingerie. http://www.springwise.com/france-fashion-firm-turns-christmas-trees-sexy-lingerie/

Dutch food truck only serves delicious pests. http://www.springwise.com/dutch-food-truck-serves-delicious-pests/

This energy monitor can control an entire house of appliances remotely. http://www.springwise.com/energy-monitor-control-entire-house-appliances-remotely/

How to Create a Work-Life Balance in Your Small Business. http://sbinformation.about.com/od/startingabusiness/fl/How-to-Create-a-Work-Life-Balance-in-Your-Small-Business.htm?nl=1

09.01.2015: 8 things that a bank will never ask you - but a fraudster will. http://www.telegraph.co.uk/finance/personalfinance/money-saving-tips/11332797/Eight-things-that-your-bankwill-never-ask-you-but-a-fraudster-will.html

Scamwatch: banking fraud. http://money.aol.co.uk/2015/01/09/scamwatch-banking-fraud/

Official release: Small Business Survey 2012: additional analysis data. https://www.gov.uk/government/publications/small-business-survey-2012-additional-analysis-data

Over 1 million households in fuel poverty. http://www.theguardian.com/society/2015/jan/09/working-households-fuel-poverty-rising-energy-bills-policy-exchange

MPs push for ban on long email disclaimers. http://www.independent.co.uk/life-style/gadgets-and-tech/news/mps-push-for-ban-on-long-email-disclaimers-9965802.html

Six-month grace period for businesses affected by new EU VAT laws announced. http://www.bmmagazine.co.uk/in-business/finance/six-month-grace-period-businesses-affected-new-eu-vat-laws-announced/?utm_source=

US to close three UK air bases. http://www.dailymail.co.uk/news/article-2902159/U-S-military-close-three-bases-Britain-causing-hundreds-job-losses-local-civilian-workers.html This is a sad day for the locals as apart from direct job losses, these bases supported a great deal of other activity too, from entrepreneurial to communal. In my familiy's particular case, they spawned a steady stream of excellent tenants, good friends, a brother-in-law, my very first business and lifestyle mentors and my first business clients some of whom led me to my first experiences of exporting. It's a tragedy that fifty years on, so-called reality TV has reduced the populist image of an American to something resembling a word-starved, stupid, fat pig.

EU sanctions against Russia to be eased in 2015: http://www.theguardian.com/world/2015/jan/08/eu-leaders-russia-putin-breakthrough-ukraine We'll put this article and many others like it out of the main stream, as basically the score so far is Vlad The Bad (acting with polite restraint): 5. Israeli-American psycopaths and terrorist neocons: 0. In the meantime, small businesses everywhere = big losers. Much diplomatic posturing and manipulation of the truth by western propaganda, to follow.

08.01.2015: Dairy farmers and shoppers ripped off by bankers. http://www.telegraph.co.uk/news/earth/agriculture/farming/11330740/Dairy-farmers-and-shoppers-ripped-off-by-bankers.html Business as usual, in other words.

Millions could have to change bank sort code. http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/11331069/Millions-could-have-to-change-bank-sort-code-under-ring-fence-rules.html

Consumers yet to benefit from tumbling energy prices. http://www.telegraph.co.uk/finance/personalfinance/energy-bills/11329893/Energy-prices-tumble-so-how-far-will-gas-and-electricity-bills-fall.html More 'business as usual'.

London tourists could face £1-a-night 'bed tax'. http://www.theguardian.com/uk-news/2015/jan/07/london-tourists-could-face-bed-tax

EU exit would be disastrous for UK farmers. http://www.theguardian.com/environment/2015/jan/07/eu-exit-uk-farmers-minister-conference

App finds the right transportation, and gets you to it in five minutes. http://www.springwise.com/app-finds-transportation-it-minutes/

An on-demand landlord service for the inexperienced homeowner. http://www.springwise.com/on-demand-landlord-service-inexperienced-homeowner/

Insurance company rewards customers for every 10,000 steps. http://www.springwise.com/insurance-company-rewards-customers-10000-steps/

Four Questions to Ask Before Turning a Hobby into a Business. http://sbinformation.about.com/od/startingabusiness/fl/Four-Questions-to-Ask-Before-Turning-a-Hobby-into-a-Business.htm?nl=1

13 Ways to Market a Local Small Business. http://sbinformation.about.com/od/marketingsales/fl/13-Ways-to-Market-a-Local-Small-Business.htm?nl=1

07.01.2014: Policy makers urged to support the self-employed. http://www.publicfinance.co.uk/news/2015/01/government-urged-to-adapt-policies-to-self-employment-boom/ The Institute for Public Policy Research (IPPR) has published a report urging the Government to adjust its policies to suit an increasingly self-employed workforce. The report calls on policymakers to assist the self-employed with training and skills development. According to the IPPR, self-employed people in the UK tend to have lower levels of qualifications than those in paid employment. The IPPR also found that 40% of the overall increase in UK employment since 2010 has been due to an increase in self-employment, which is set to continue. Commenting on the increase in self-employment levels, IPPR researcher Izzy Hatfield said: "This could have big implications for how these workers save for their pensions, access training to boost their productivity and ensure that their earnings keep pace with inflation." (EnterpriseQuest)

UK house prices set to drop in 2015. http://www.theguardian.com/business/2015/jan/07/house-prices-fall-uk-2015-london-drops-cebr

UK service sector loses momentum. http://www.bbc.co.uk/news/business-30693814#

MicroBiz Matters Day news, 9th January. http://us8.campaign-archive2.com/?u=5aa269e8c05ddb5dacd84dfc7&id=e56b12c3a6&e=c4b2bcaa4b

Kindle sales have 'disappeared' says UK's largest book retailer. http://www.telegraph.co.uk/finance/newsbysector/retailandconsumer/11328570/Kindle-sales-have-disappeared-says-UKs-largest-book-retailer.html

Banks must start taking soaring customer complaints seriously. http://www.independent.co.uk/news/business/comment/james-moore-banks-must-start-taking-soaring-customer-complaints-seriously-9961705.html Why? Is the Government about to stop bank-rolling them with taxpayers' money?

Deal reached on wireless charging. http://www.bbc.co.uk/news/technology-30690638#

Leak detection technology takes action on homeowner’s behalf. http://www.springwise.com/leak-detection-technology-takes-action-homeowners-behalf/

Modular plant pots create vertical gardens in the home. http://www.springwise.com/modular-plant-pots-create-vertical-gardens-home/

7 Must-Try Tools and Strategies for Creating Better Habits. http://entrepreneurs.about.com/od/beyondstartup/tp/7-Must-Try-Tools-and-Strategies-for-Creating-Better-Habits.htm?nl=1

06.01.2015: Bank holiday engineering works are harming tourism. http://www.dailymail.co.uk/travel/travel_news/article-2897028/Bank-Holiday-engineering-works-harming-tourism-offering-visitors-world-service-claims-tourist-board.html Bank holidays are when Network Rail skivers get paid the most for walking about, standing about and hiding in the bogs.

Hollande suggests sanctions against Russia should be lifted. http://www.dailymail.co.uk/news/article-2897281/Francois-Hollande-suggests-sanctions-Russia-lifted-says-Putin-does-not-want-annex-eastern-Ukraine-told-that.html The man is only repeating what most of Europe's political and business leaders have been saying from the very outset. For once, he's showing his cajones - outside the bedroom.

It really was a Black Friday, as retailers are now discovering. http://www.independent.co.uk/news/business/comment/james-moore-it-really-was-a-black-friday-as-retailers-are-discovering-9959459.html As we keep saying, anything that comes from the States is - crap. Especially if it receives bog-wall to bog-wall coverage in the media.

Cornish pasties - and other regionally-protected food - threatened by TTIPox. http://www.telegraph.co.uk/news/worldnews/europe/eu/11326494/Cornish-pasty-threatened-by-EU-US-trade-deal.html And the biggest proponents of TTIPox are of course, The Bent Fags of Wankminster.

Aldi confirms 100% horsemeat in beef products from Irish and French suppliers. http://www.theguardian.com/business/2013/feb/09/aldi-100-percent-horsemeat-beef-products Not Polish suppliers, then.

The Big Issue enjoys big Christmas success - as Britain's homeless numbers soar. http://www.independent.co.uk/news/media/the-big-issue-enjoys-big-christmas-success-9958439.html Worth taking out an ad or two, methinks.

10 worst excuses for late tax returns. http://www.telegraph.co.uk/finance/personalfinance/tax/11325809/HMRC-unveils-the-10-worst-excuses-for-late-tax-returns.html On the other hand, HMRC is not offering any excuses whatsoever for unfiled tax returns by American Big Corp.

Nokia unveils cheapest ever smartphone. http://www.independent.co.uk/life-style/gadgets-and-tech/news/microsoft-unveils-nokia-215--its-cheapestever-internet-phone-9958623.html

Refrigerator replaces humming parts with solid-state cooling. http://www.springwise.com/refrigerator-replaces-humming-parts-solid-state-cooling/

05.01.2015: 2014 was the best year for British builders since 1997. http://www.telegraph.co.uk/finance/economics/11325054/UK-construction-industry-growth-slows-after-bonanza-year.html

Millions fear missing January's rent or mortgage payment. http://www.theguardian.com/society/2015/jan/05/missing-rent-mortgage-payments-shelter-interest-rate-housing-costs

Wine detective finds 100-year-old vintages for buyers on a tight budget. http://www.independent.co.uk/life-style/food-and-drink/wine-detective-finds-100yearold-vintages-for-buyers-on-a-tight-budget-9956716.html

Rural Northumberland's new lifeline. http://www.theguardian.com/uk-news/2015/jan/04/northumberland-man-offers-lifeline-public-transport-steve-hurst

Ten ways we could fix Broken Britain. http://www.telegraph.co.uk/men/thinking-man/11321858/Ten-ways-we-could-fix-broken-Britain.html

A Step-by-Step Rookie Guide to Finding Keywords That Sell. http://onlinebusiness.about.com/od/searchengines/fl/A-Step-by-Step-Rookie-Guide-to-Finding-Keywords-That-Sell.htm?nl=1

RIGHT! Let's get all the advance bad news out of the way before this Government's (and the EU's) 'special relationship' with American/Israeli-terrorist neocons really starts to bear fruit for the rest of year.

04.01.2015: UK consumers running up highest levels of debt since credit crunch. http://www.dailymail.co.uk/news/article-2895286/Warning-UK-consumers-running-highest-levels-debt-credit-crunch-borrowing-levels-hit-1-25BILLION-November.html

Ten warning signs of market crash in 2015. http://www.telegraph.co.uk/finance/economics/11322623/Ten-warning-signs-of-a-market-crash-in-2015.html

The year of dollar danger for the world. http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/11321674/House-price-concerns-grow-as-mortgage-approvals-hit-a-17-month-low.html

NHS in crisis. http://www.telegraph.co.uk/health/nhs/11319627/AandE-in-crisis-a-special-report.html Not usually one of the issues covered by weener business websites. Which is why, in actuality, there has been such a dramatic drop in the numbers of home businesses over the past two years. Entrepreneurs' bits are dropping off and there's nowhere for them to go to get them stuck back on again.

Is the British dream of home ownership dead? http://www.telegraph.co.uk/property/11322389/Is-the-British-dream-of-home-ownership-dead.html

House price concerns grow as mortgage approvals hit 17-month low. http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/11321674/House-price-concerns-grow-as-mortgage-approvals-hit-a-17-month-low.html

Almost nobody in the UK is opposed to rent controls for housing. http://www.independent.co.uk/news/uk/politics/almost-nobody-in-the-uk-is-opposed-to-rent-controls-for-housing-9955679.html The housing market in the UK should never have even approached the need for rent controls. Unfortunately, when a large number of Wankminster's bent fags also happen to have substantial property portfolios and ALL of Wankminster's bent fags are nose-deep in the finance sector's arse, one doesn't need to be a Walter Mitty to imagine how this sorry state of affairs has evolved.

Big business forced to reveal supplier terms. http://www.telegraph.co.uk/finance/newsbysector/retailandconsumer/11322699/Big-businesses-forced-to-reveal-supplier-terms-in-Government-crackdown.html And what is that going to change?

Twatter and Arsebook refusing to take down hate-preaching comments. http://www.independent.co.uk/news/uk/crime/twitter-and-facebookallowing-islamophobia-to-flourish-as-antimuslim-comments-proliferate-9954940.html Of course, if these had been posts which were even mildly reproachful of lying, thieving, mass-murdering Israeli paedo-terrorists, then their media would have been awash with comments from religious fanatics, psy-opps, psycopaths and staffers, shrieking 'anti-semitism'.

Social media is becoming less-and-less compatible with anyone who has serious home and small business aspirations - let alone ethical and moral values. People in a hurry looking for a good business or just a 'good' person don't have time to separate the growing volume of dross from small, worthwhile nuggets. Give video-marketing a try, instead. In addition to normal, real-time networking. (Plus the hundred or so other methods listed by all half-decent, business sources.)

The rise of the over-60s apprentices rushing to find new skills. http://www.dailymail.co.uk/news/article-2895015/The-rise-60s-apprentices-rushing-learn-new-trades-Employers-younger-workers-lack-right-skills-work-ethic.html This is very old news now, which shoud really read 'Key Government strategy in tatters after dramatic fall in overall numbers of apprenticeships'. (As below.)

Consumers warned against guarantor loans trap. http://www.express.co.uk/news/uk/550071/Consumers-warned-against-guarantor-loans-trap-not-regulated-payday-loan

Car sharing scheme launched in London. http://www.telegraph.co.uk/cars/news/London-car-sharing-scheme/

Costs and considerations for pensioners retiring abroad. http://www.bbc.com/news/business-28703786

Beer which makes you more creative. http://www.springwise.com/beer-creative/ Unless you're a dumb American. In which case, it makes you fly, instead.

A smart shower which can cut water wastage by half. http://www.springwise.com/smart-shower-cut-water-wastage/ For dumb Americans whose brains can't work their arms and hands.

03.01.2015: Selling your home in 2015 is about to become a real headache. http://www.telegraph.co.uk/finance/newsbysector/constructionandproperty/11317894/Why-selling-your-home-in-2015-is-about-to-become-a-real-headache.html

Rent controls would spell disaster for thousands of buy-to-let investors. http://www.telegraph.co.uk/finance/personalfinance/investing/buy-to-let/11310826/Rent-controls-would-spell-disaster-for-thousands-of-buy-to-let-investors.html

UK manufacturing activity hits 3-month low. http://www.bbc.com/news/business-30655897# That will be Vlad The Bad's fault, then. Having already stuffed Italy, the Scandinavians, Venezuala, a number of Gulf states, the euro (and he hasn't even defaulted on his euro-debts, yet) it does make one wonder . . . How much is it going to cost to be America's ass-wipes THIS time?

Young vulnerable to bank scams, says BBA. http://www.bbc.com/news/business-30655247# Yes, that's right. That's why the Government rolled out a yoof business start-up loan scam. (Sorry.) Scheme.

Apple sued over shrinking storage. http://www.bbc.com/news/technology-30655176# Couldn't the surplus apples be turned into cider and drunk instead?

Top Ten business opportunities and ideas for 2015. http://www.springwise.com/top-10-business-ideas-opportunities-2015/

Five tax tips to improve your wealth. http://money.aol.co.uk/2015/01/02/five-tax-tricks-to-improve-your-wealth/

02.01.2015: Home ownership in Britain is set to fall behind that of France. http://www.dailymail.co.uk/news/article-2893463/Home-ownership-Britain-set-fall-France-buy-let-surge-pushes-families-rented-properties.html Nothing to do with all those Brits leaving for France to buy homes there?

But it is interesting to note how Britain has gone from being a 'nation of shopkeepers' - to a nation of council house buyers - to a nation of tenants living in battery housing and pretending to be 'home business entrepreneurs' - all in the space of a hundred years. Without any help whatsoever from Vlad The Bad.

Anger as HMRC urges taxpayers to Tweet their enquiries. http://www.dailymail.co.uk/news/article-2893066/HMRC-says-tweet-tax-queries-emerges-spend-TWO-HOURS-hold.html

Payday loan charges cap takes effect. http://www.bbc.com/news/business-30641877#

Rail fare rises come into effect. http://www.bbc.com/news/uk-30652098#

Key Government strategy in tatters after dramatic fall in numbers of apprenticeships. http://www.independent.co.uk/news/uk/politics/key-government-strategy-in-decline-as-apprenticeships-fall-9953533.html And this is despite the Government's introduction of (yet another) American 'guru' to solve the problem for us.

Record 470 High Street bank closures over past year. http://www.dailymail.co.uk/news/article-2893962/470-banks-vanish-High-Street-year-rate-closures-doubles.html Customers prefer banking online, according to the banks. 'Because our customers prefer online banking', we are expected to believe. Which has nothing to do with the protracted delays they suffer as a result of deliberate branch under-staffing, of course.

Why 'upcycling' is having its moment. http://www.telegraph.co.uk/property/interiorsandshopping/11303428/Interiors-why-upcycling-is-having-its-moment.html Because the BBC and the media are using a new word for sheep and thickos (its own presenters) who were born after 'doing up'; 'tarting up'; 're-cycling' and 'renovation'.

1.1.2015: Rail operators forced to tell passengers how to get cheapest fares. http://www.telegraph.co.uk/news/uknews/road-and-rail-transport/11319648/Rail-operators-forced-to-tell-passengers-how-to-get-cheapest-fare.html And what have our assorted watchdogs and Parliamentary committees been doing all this time?

Meanwhile, this is a good link for anyone wanting to use UK rail travel in conjunction with a trip to or from abroad. http://www.seat61.com/UKconnections.htm#.VA2iN2cg-P9

British railway fares subsidise running costs in Germany, France and The Netherlands. http://www.dailymail.co.uk/news/article-2893049/UK-fares-subsidise-rail-travellers-Germany-France-Netherlands.html Yes. Well worked out after all these years. That's why foreign operators bid on British franchises. And it's all down to successive British governments, of course.

New supplier with cheapest energy deal. http://www.telegraph.co.uk/finance/personalfinance/energy-bills/11317645/New-supplier-launches-cheapest-energy-deal-of-the-year.html

Stores prepare for Boomerang Thursday and record Christmas gift returns. http://www.telegraph.co.uk/finance/newsbysector/retailandconsumer/11319434/Stores-prepare-for-Boomerang-Thursday-as-record-Christmas-gift-returns-reach-their-peak.html

France scraps 75% tax on millionaires. http://www.dailymail.co.uk/news/article-2893081/Hollande-scraps-75-cent-tax-millionaires-following-protests.html This was only ever a bit of show-boating intended to impress the country's third-form socialists who had never worked in their lives and never wanted to. And a dumb, faux-intellectual media, of course. However, the present government has queered its patch so extensively that it will take a lot more than gestures like this to tempt the grafters and the job and wealth-creators back to France again.

Caution continues among homeowners. http://www.bbc.com/news/business-30641753#

New energy savings for household devices. http://www.bbc.com/news/business-30643357#

The great gluten-free scam. http://www.telegraph.co.uk/foodanddrink/healthyeating/10430422/The-great-gluten-free-scam.html

How to get out of the busyness trap. http://www.theguardian.com/commentisfree/video/2014/dec/31/too-busy-busyness-trap

Britain's 27 most disruptive entrepreneurs of 2014. http://www.telegraph.co.uk/finance/newsbysector/retailandconsumer/11317237/Britains-27-most-disruptive-entrepreneurs-of-2014.html

Can Labour copy Obama bin Laden and Bob the Builder? http://www.dailymail.co.uk/news/article-2892394/Can-Labour-copy-Obama-Bob-Builder-course-says-Miliband-New-Year-message.html Terrorists and cowboys? Sounds about right. (Not forgetting regular knighthoods for its most prolific war criminals. http://www.dailymail.co.uk/debate/article-2893131/STEPHEN-GLOVER-honour-Blair-s-key-aid-complicit-secretly-committing-Britain-war-Iraq.html)

31.12.2014: Official release: Hancock: red tape drive saves business a record £10 billion. https://www.gov.uk/government/news/hancock-red-tape-drive-saves-business-a-record-10-billion Call me a cynic if you will, but just how has this figure of £10 billion been arrived at? (Which is actually a very large amount of money; almost one eighth of the value of bungs this Government gives to American Big Corp every year.) The propaganda release does TRY to be informative; it offers savings of (a very moot and aroundabout) £500 million so far. (British regulations.) But that's still a long way short of the projected £10 billion.

The problem with British 'red tape' - call it what you will - is and always has been the same. Within Europe, the Germans make the laws. The French (just) read them. The British put them into practice. Then add the same number again of their own.

Travel firms sue creator of cheap airfare site. http://www.bbc.com/news/technology-30634144# There used to be a time when the internet showed some promise.

The 7 best ways to waste time on the internet. http://www.telegraph.co.uk/technology/11316037/The-7-best-ways-to-waste-time-on-the-internet.html And then of course, there's the '7 best ways to waste time' with the telly and the dummyphone.

25 ways to save thousands in 2015. http://www.dailymail.co.uk/money/bills/article-2891580/25-ways-save-thousands-2015-10-cashpoint-turn-central-heating-one-degree-learn-real-moaning-minnie.html

How eBay's confusing cashback guarantee cost us £6,000 and our dream of a home renovation for the new year. http://www.dailymail.co.uk/money/news/article-2891638/How-eBay-s-confusing-cashback-guarantee-cost-6-000-dream-home-renovation-new-year.html

How to stop cold calls. http://money.aol.co.uk/2014/12/30/how-to-stop-cold-calls/

Nine convicted in boiler-room fraud. http://money.aol.co.uk/2014/06/05/nine-convicted-in-boiler-room-fraud/

Countryside to swell by half a million in ten years. http://www.dailymail.co.uk/news/article-2891999/Countryside-swell-half-million-ten-years-people-opt-leave-city-rural-idyll.html At which point it will no longer be 'the countryside'.

How does your tax rate compare to other countries? http://money.aol.co.uk/2014/12/30/how-does-your-tax-rate-compare-to-other-countries/

Seven urgent challenges for your business in 2014. http://www.bmmagazine.co.uk/in-business/advice/seven-urgent-challenges-business-2014/

The seven deadly sins of pitching. http://www.bmmagazine.co.uk/columns/opinion/7-deadly-sins-pitching/

6 epic business naming fails. http://entrepreneurs.about.com/od/gettingstarted/tp/5-Epic-Business-Naming-Fails-and-How-to-Avoid-Them.htm?nl=1

Stripe vs Paypal. Is Stripe better? http://onlinebusiness.about.com/od/dailyoperations/fl/Stripe-vs-PayPal-Is-Stripe-Better-than-PayPal.htm?nl=1

Top internet marketing trends for the year ahead. http://onlinebusiness.about.com/od/dailyoperations/fl/Top-Internet-Marketing-Trends-in-the-New-Year-Ahead.htm?nl=1

Courier drones could make the postman a thing of the past. http://www.springwise.com/courier-drones-postman/

America's U.N aproves continued Israeli-USA Nazification of Middle East. http://www.independent.co.uk/news/world/middle-east/un-rejects-palestinian-resolution-to-end-israels-occupation-9951031.html More 'good news' for anyone with exporting ambitions to this part of the world which doesn't involve murdering children. With Russia ruled out for the moment as well, it looks as if British exports in 2015, may continue to struggle. (Although Britain acquitted itself at the vote with its usual applomb. Proudly wearing a BBC 'Top Gear' medal for Outstanding Lies and Cowardice, our representative Friend of Israel, errr, abstained. In the country's 'best interests'.)

30.12.2014: Ten reasons to be optimistic about Britain in 2015. http://www.telegraph.co.uk/men/thinking-man/11315776/Ten-reasons-to-be-optimistic-about-Britain-in-2015.html

Third of listed UK oil and gas drillers face bankruptcy. http://www.telegraph.co.uk/finance/newsbysector/energy/11315956/Third-of-listed-UK-oil-and-gas-drillers-face-bankruptcy.html

No surge in Romanian and Bulgarian migrants. http://www.theguardian.com/uk-news/2014/dec/30/no-surge-romanian-bulgarian-migrants-controls-lifted Surely Engerlandt's hate-preaching, terrorist-supporting propaganda hasn't got it wrong? Again. Which is a shame really, because the construction sector is crying out for skilled tradesmen.

English builders not at work - again. http://www.dailymail.co.uk/news/article-2890583/My-60-Minute-Makeover-nightmare-Widow-claims-TV-builder-popular-fronted-Peter-Andre-left-flat-mess-bombarded-demands-cash.html The cream of the country's hate-preaching tabloid readership, are English builders. Based on identical trading principles. Tell lies. Make money from doing so.

I was duped into paying £300 for a £145 a year TV licence. http://www.telegraph.co.uk/finance/personalfinance/money-saving-tips/11307823/I-was-duped-into-paying-300-for-a-TV-licence-that-should-cost-145.html The rest of the public meanwhile, continues to be regularly duped into paying £145 a year for multiple Israeli/American terrorist propaganda channels, repeats of repeats (even of American crap) and unheard-of celebrity X-listers spreading the BBC's daily, simpering mantra of 'Hi, guys, kids, awesome, like . . . Oh, my God'. No wonder the country's telly addicts are now so dumb they don't even know what a British TV licence is really worth. (£0.00)

It is of course, no coincidence that scam copycat websites target Government sites, especially since the official Digital Dickhead Initiative has left no scope for business to be transacted in any way other than online, and this with just another scammer's hooky internet connection and ubiquitous, crap American software. Consequently, this leaves an awful lot of punters who have been officially prepared for fleecing already.

Reasons to be cheerful about the prospects for small business finance. http://www.independent.co.uk/news/business/comment/david-prosser-reasons-to-be-cheerful-about-the-prospects-for-small-business-finance-9947599.html

Is Microsoft about to kill off Internet Explorer. http://www.dailymail.co.uk/sciencetech/article-2890454/Is-Microsoft-set-kill-internet-explorer-Windows-10-set-come-new-Spartan-web-browser.html

Social media 2014: unsafe and boring. http://www.telegraph.co.uk/technology/social-media/11310818/Social-media-in-2014-unsafe-and-boring.html Just like the people who use it, then.

Man sued for sharing cheap flight loophole online. http://www.telegraph.co.uk/travel/travelnews/11317074/Man-sued-for-sharing-cheap-flight-loophole.html

Selling your car online? Watch out for the crooks. http://www.dailymail.co.uk/news/article-2890328/Selling-car-online-Watch-crooks-message-details-use-hi-tech-fraud.html

7 of the most important things to focus on with your business in 2015. http://entrepreneurs.about.com/od/beyondstartup/tp/Top-Things-to-Pay-More-Attention-to-in-2015.htm?nl=1

US criticises proposal to recognise Palestinian statehood within three years. http://www.independent.co.uk/news/world/middle-east/us-criticises-proposal-to-recoginse-palestinian-statehood-within-three-years-9949329.html The murderous American regime faced the same problem after the genocide of 8 million North American Indians. In translation, what really bothers Yank terrorists is puckering up their Middle East arsehole (Israel) through which they regularly and profitably dump their military surplus - especially anti-personnel mines. For the rest of the business community, the sooner world governments find some backbone to shovel out these layers of corrupt, kiddy-killing shite, the sooner we can be getting on with some honest, mutually-beneficial trade.

29.12.2014: UK business group warns of 'tawdry politics'. http://www.bbc.com/news/business-30615452# Very reserved language.

British ex-pat exodus feared as oil prices continue to remain low. http://www.telegraph.co.uk/finance/newsbysector/energy/11315032/British-expat-exodus-feared-to-hit-Dubai-amid-oil-price-rout.html Ummm. This latest bit of fagging by 'Da P.M' for The Coalition of Evil doesn't seem to be going too well at all, at all. The last thing the NHS needs now, as it struggles to cope with Britain's pisshead culture, is another 150,000 ex-pat pissheads arriving from the Gulf. Mind you, it might be a bonus NHS selling point under TTIPox as the Government prepares its snout-in-trough TEAM to give away what remains of the country's assets to the Americans.

UK housing crisis as brick stocks hit record low. http://www.telegraph.co.uk/finance/newsbysector/constructionandproperty/11312278/UK-housing-crisis-brick-stocks-hit-record-low.html

Millions of Britons struggling to feed themselves. http://www.independent.co.uk/news/uk/home-news/millions-of-britons-struggling-to-feed-themselves-and-facing-malnourishment-9946627.html Never has one been so inspired by so many aspects of this country's oh so small business scene.

5 reasons your energy bills could rise in 2015. http://www.telegraph.co.uk/finance/personalfinance/energy-bills/11307607/Five-reasons-your-energy-bill-could-rise-in-2015-and-what-to-do-now.html

Rising seas threaten almost 7,000 UK homes and commercial properties. http://www.theguardian.com/environment/2014/dec/28/7000-uk-properties-sacrificed-rising-seas-coastal-erosion

Young people a 'lost generation' who can no longer fix gadgets. http://www.telegraph.co.uk/news/science/science-news/11298927/Young-people-are-lost-generation-who-can-no-longer-fix-gadgets-warns-professor.html Yes, that's been the plan for over fifty years and young peoples' dumb parents were converted themselves a long time ago. The alternative of course, is living on conventional, centuries'-old wisdom - but that would put a lot of professors making banal observations, out of jobs.

The minefield of the 'out of office' email. http://www.telegraph.co.uk/men/the-filter/11310224/The-minefield-of-the-out-of-office-email.html

Surge in illegal sales of drugs using social media. http://www.theguardian.com/society/2014/dec/28/drugs-medicines-sold-illegally-online-internet As we have seen from recent reporting, the Treasury and The Chancellor are absolutely delighted.

Official release: Millions wasted as people don’t spend gift vouchers. https://www.gov.uk/government/news/millions-wasted-as-people-dont-spend-gift-vouchers What on earth does this have to do with the Government's Department of Business, Innovation and Skills (BIS)?

Chaos in Alps as French riff-raff and British plebs seeking winter holidays all at the same time and in the same place, encounter snow. http://www.telegraph.co.uk/news/worldnews/europe/france/11314946/Chaos-in-the-Alps-as-massive-snowfall-traps-15000-cars.html You can't even train people to be this stupid. Media footage shows the morons all peering at their dummyphones and blaming the police. Who in France, are only fonctionnaires after all, so no-one with any experience expects them to be effective, either. It's not as if this is a one-off. It happens every year. And in the summer, it's the same thing again, as the Mediterranean turns yellow from millions of Parisiens pissing in the sea. And this is supposed to be 'holidaying'?

28.12.2013: Boxing Day sales slump. http://www.dailymail.co.uk/news/article-2888778/Boxing-Day-sales-slump-million-shoppers-stay-away-month-heavy-promotions.html

Train operators warn of more disruptions. http://www.bbc.com/news/uk-england-london-30614195#

Tourists to UK to spend records levels in 2015. http://www.bbc.com/news/uk-30613957# Assuming their planes aren't brought down on the way here by CIA wigheads.

Typical British holiday in 2015 will be a ten-day trip to Spain at a cost of £1,220... but 32% of Britons plan to stay close to home. http://www.dailymail.co.uk/travel/travel_news/article-2888280/Typical-British-holiday-2015-ten-day-trip-Spain-cost-1-220-32-Britons-plan-stay-close-home.html

Cuts threaten survival of supermarket suppliers. http://www.telegraph.co.uk/finance/newsbysector/retailandconsumer/11314806/Cuts-threaten-survival-of-supermarket-suppliers.html

Police force makes £270,000 selling seized goods on eBay http://www.telegraph.co.uk/news/uknews/crime/11314648/Police-force-makes-270000-selling-seized-goods-on-eBay.html The Government and its cronies have already added the officers to their 'explosion' in the numbers of home-based business entrepreneurs. (Down half a million from two years ago.) In the meantime, will Theresa Mayhem and The Scrote Office see eBaying as 'moonlighting' by the police, whose resources are already at full stretch with regular TV shows and snouting for Britain's criminal media?

Farmed fish is now the UK's largest food export. http://www.independent.co.uk/life-style/food-and-drink/news/scottish-salmon-sales-leap-as-asia-develops-a-taste-9946632.html

27.12.2014: Rural firms catching up, Environment Secretary says. http://www.bbc.com/news/uk-politics-30610881# And Countryside to drive UK start-ups. http://www.theguardian.com/technology/2014/dec/27/countryside-uk-startups-beat-cities-superfast-internet These predictions are based on perpetual government lies of better broadband (internet down) and transport links (profiteering chaos). In which case nothing is going to change at all and we can heave a sigh of relief. But. Just in case the countryside IS likely to be invaded by riff-raff Tory hoodies and muggers, then it's time to sell up and move on to some rural location elsewhere. Probably to another country. Where there are decent internet and transport links already.

'Bongo Bongoland' Britain's rail and travel chaos. http://www.telegraph.co.uk/news/uknews/road-and-rail-transport/11314389/Finsbury-Park-station-chaos-after-Network-Rail-closes-Kings-Cross.html And http://www.theguardian.com/uk-news/2014/dec/27/travel-chaos-weather-snow-england-roads-airports-shut The Ruskies are very good at keeping trains running. And getting around in a tiny bit of snow. Although they're probably indisposed to lend a hand at the moment because they're too busy pissing themselves with laughter.

'Bongo Bongoland' Britain's power cuts helpline down until April 2016. http://www.theguardian.com/politics/2014/dec/27/power-cuts-helpline-not-operation-until-april-2016-labour

Disputes: how to complain about a company. http://money.aol.co.uk/2014/12/27/disputes-how-to-complain-about-a-company/

Paved gardens massively increase risk of flooding in your neighbourhood. http://www.independent.co.uk/property/gardening/paved-gardens-massively-increase-risk-of-flooding-in-your-neighbourhood-9945596.html

A taste of honey: the mead maker. http://www.theguardian.com/lifeandstyle/2014/dec/27/gosnells-london-mead-brewing-tom-gosnell-behind-the-scenes

Inflatable jacket enables wearers to adjust its warmness according to the weather. http://www.springwise.com/jacket-enables-wearers-customize-temperature-weather-colder/

French town installs anti-homeless cages around public benches. http://www.telegraph.co.uk/news/worldnews/europe/france/11314081/French-city-installs-anti-homeless-cages-around-benches.html According to the mayor, the benches were "almost exclusively used by people who consume alcohol on a regular basis". In that case, he could have saved the local taxpayers a lot of money as well as avoided a public eyesore by bussing the hobos to the Palais du Luxembourg and/or the Palais Bourbon.

26.12.2014: Record £636 million spent online on Christmas Day. http://www.independent.co.uk/news/uk/home-news/boxing-day-snowfall-could-push-even-more-bargainhunters-online-for-christmas-sales-9945179.html

UK leapfrogs France in global wealth league - thanks to prostitution and illegal drugs. http://www.independent.co.uk/news/business/news/prostitution-and-illegal-drugs-help-uk-overtake-france-in-global-wealth-league-9945007.html Good to see the terrorist invasion of Afghanistan and over 20,000 murdered civilians to restore poppy production to record levels, wasn't a waste of taxpayers' money after all. That's an awful lot of Tory hoody, 'home business entrepreneurs' on the streets, that is.

As milk price is cut, call to buy British products. http://www.express.co.uk/news/uk/548592/Brits-urged-to-buy-dairy-products-from-UK-farmers-after-milk-price-cut As in 'Apple'?

End of the cash machine rip-off. http://www.dailymail.co.uk/news/article-2887205/End-cash-machine-rip-Corner-shops-petrol-stations-axe-hated-fees.html

Can you trust the new contactless credit card? http://www.dailymail.co.uk/news/article-2887308/Hitting-shops-today-read-spend-bargained-trust-new-contactless-credit-cards.html

Refused a refund? Five shopping refund myths. http://www.telegraph.co.uk/finance/personalfinance/money-saving-tips/11302318/Refused-a-refund-Five-shopping-myths-debunked.html

People who got a drone for Christmas could face prosecution. http://www.telegraph.co.uk/news/uknews/law-and-order/11313110/Safety-warning-for-drones-given-as-Christmas-gifts.html Assuming they don't get shot out of the sky first. Around here, anyway.

30% surge in home sales to first-time buyers. http://www.theguardian.com/money/2014/dec/26/first-home-buyers-post-crisis-high-november-sales

Rates will double by end of 2015, Treasury survey says. http://www.telegraph.co.uk/finance/personalfinance/interest-rates/11313267/Rates-will-double-by-end-of-2015-Treasury-survey-says.html

40% of landlords plan to put up rents by 3% in 2015. http://www.independent.co.uk/news/uk/landlords-plan-to-raise-rent-by-3-in-2015-9944861.html This landlord isn't. Good, long-term tenants are the objective these days (as they always have been) and not squeezing them until they squeak. And if profits aren't adequate then it's time to get rid of excess baggage like letting agents and buy-to-let mortgages. Do what landlords used to do and actually save up to buy their properties. So that owning property becomes a business of substance again - and not just a new playground for posers with RayBans and dummyphones, up to their necks in loans and mortgages and worth - Jack Shit. Which is why they need to scrape together every penny they can. Especially if rates are about to go up.

Consortium of big-name estate agents agents to take on Zoopla/Rightmove duopoly. http://www.theguardian.com/business/2014/dec/25/zoopla-rightmove-duopoly-agencies-challenge

Corruption hampers efforts to rebuild Gaza. http://www.theguardian.com/world/2014/dec/25/corruption-hampers-effort-to-rebuild-gaza Although UN officials plus the Israelis means corruption from the word 'go', I bet there are some English contractors and Wankminster 'Friends of Israel' in there, too. No wonder there are no calls by these corrupt, terrorist-supporting pigs for the same sanctions to be applied against Israel, as are illegally being applied against Russia.

'Made in Prison' handbags take off. http://www.theguardian.com/world/2014/dec/25/egypt-prison-knitting-handbag-protest-asmaa-hamdy

How to enjoy a slice of country life. http://www.dailymail.co.uk/news/article-2887102/Want-leave-rat-race-enjoy-slice-country-life-secret-blending-spend-time-pub-dog-walk.html

25.12.2014: Beware tricks behind some Boxing Day sales, shoppers warned. http://www.telegraph.co.uk/news/shopping-and-consumer-news/11311940/Beware-tricks-behind-some-Boxing-Day-sales-shoppers-are-warned.html

'Bongo Bongoland' Britain's Boxing Day transport chaos. http://www.dailymail.co.uk/news/article-2885954/Travel-chaos-Boxing-Day-rail-lines-remain-shut-second-day-forcing-millions-roads.html

How to get your landlord to pay for home improvements. http://www.telegraph.co.uk/finance/personalfinance/household-bills/11304208/Renters-How-to-get-your-landlord-to-pay-for-home-improvements.html

Police warn Chinese forgery gangs have near-perfected the £2 coin. http://www.dailymail.co.uk/news/article-2886170/Chinese-criminal-gangs-master-ability-create-perfect-euro-2-coins-investigators-reveal-shipments-forgeries-arriving-Italy.html

France calls up 300 extra troops to fight 'enemy within'. http://www.telegraph.co.uk/news/worldnews/europe/france/11310330/Up-to-300-extra-soldiers-deployed-in-France-after-attacks.html A mere 300 troops, wandering aimlessly in groups of ten around railway stations, aren't going to do much against 5 million parasites fonctionnaires.

Man 'armed to the teeth' arrested in Cannes. http://www.independent.co.uk/news/world/europe/man-armed-to-the-teeth-arrested-in-cannes-market-as-france-deploys-300-more-soldiers-9944434.html Meanwhile, back in the French countryside, it would seem like just another weekend morning as chasseurs get ready for a hoody (vermin) hunt.

French unemployment at record levels. http://www.bbc.com/news/business-30597756# Taking customers' money but not allowing them to collect their goods (like Russian warships) has been the socio-fascist Government's latest ruse for instilling foreign confidence in investing and placing contracts in the country. Unfortunately, it's always the wrong people who are officially termed 'unemployed' in France as the business community is forced instead, to support 5 million uneducated, untrained, bone-idle, social inadequates called fonctionnaires who do no work by default.

Facebook scams 2014. http://www.theguardian.com/technology/2014/dec/24/facebook-scams-malware-naked-videos

Working a gap year on a pig farm. http://www.theguardian.com/commentisfree/2014/dec/23/winters-tale-things-i-did-queen-country One of those home business reality checks which never make it into the Government's or its cronies' propaganda. I've got a friend who owns an intensive pig farm and it disgusts him so much, he won't even set foot in the place.

Kit lets anyone design their own smart home without coding skills. http://www.springwise.com/kit-lets-design-smart-home-coding-skills/

Age-adjustable childs’ bike is made from 100% recycled carpet. http://www.springwise.com/age-adjustable-kids-bike-100-recycled-carpet/

24.12.2014: UK home sales fall below 100,000 a month. http://www.bbc.com/news/business-30587203# All part of the Government's sanctions to make the Russians suffer for their non-existent invasion of the Ukraine. More good news to come . . .

UK economic growth revised down. http://www.bbc.com/news/business-30587203# That'll teach them Ruskies to go invading countries where they've not been invited.

Surge in numbers of retailers in significant financial distress. http://www.telegraph.co.uk/finance/newsbysector/retailandconsumer/11310360/Surge-in-number-of-retailers-in-significant-financial-distress.html The problem is all those Ruskies coming here spending their petro-roubles. Illegal immigrants, the lot of them. Going to countries where they're not welcome!

Rise in numbers of families 'illegally housed' in the UK. http://www.theguardian.com/society/2014/dec/23/labour-highlights-rise-number-illegally-housed-families-uk

Poorest energy customers need debt holiday. http://www.bbc.com/news/business-30589032#

Whiskey, toys and cheese - Britain's top exports. http://www.telegraph.co.uk/finance/newsbysector/retailandconsumer/11310911/Whiskey-toys-and-cheese-Britains-top-Christmas-exports.html What - even 'topper' than weapons of murder, torture and grief to the world's terrorist community?

The best banks for customer service. http://www.telegraph.co.uk/finance/personalfinance/bank-accounts/11299270/The-best-banks-for-customer-service-in-2015.html

Buy-to-let: is interest-only mortgage the best bet? http://www.telegraph.co.uk/finance/personalfinance/investing/buy-to-let/11307869/Buy-to-let-is-an-interest-only-mortgage-the-best-bet.html

10 secrets to living for less. http://money.aol.co.uk/2014/12/22/10-secrets-to-living-for-less/ For recent home business start-ups which have been duped into believing that they have chosen a lo-cost route to entrepreneurial success.

Cameron stress his commitment to 'Christian values' in Christmas message. http://www.independent.co.uk/news/uk/politics/david-cameron-stresses-his-commitment-to-christian-values-in-christmas-message-9943495.html Somebody must have bought to his attention his earlier stated commitment to 'Jewish values' and supplying armaments to Israel's Nazi, paedo-terrorist, land-thieving regime. Will this mean a change in future Government policy? Will Cameron support his own country, its economy, its traditions and community, first? And will The Kippah Party follow suit? Or does this just mean walking around taking the Lord's name in vain and repeating 'Oh, my God' umpteen times a day?


With our usual gratitude and thanks to BAD News and Cobweb Info.

Len Tondel



Viewpoint: January 2014; February 2014; March 2014; April 2014 May 2014; June 2014; July 2014; August 2014; September 2014; October 2014; November 2014; December 2014

December 2013; November 2013; October 2013; September 2013; August 2013; July 2013; June 2013; May 2013; April 2013; March 2013; February 2013; January 2013



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