down to see full list; previous
month's (February 2014) Viewpoint
down for: A Home and Small Business
Viewpoint by Len Tondel, from 1st March 2014
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,
For a current, multi-part
starting and running a
business from home,
go here: http://www.homebusiness.org.uk/features.htm
Official news story: great apprentices make
great businesses. https://www.gov.uk/government/news/apprenticeship-week-in-full-swing
the business capital of the UK. http://www.bmmagazine.co.uk/news/23996/northampton-named-business-capital/
hidden costs of websites. http://www.bmmagazine.co.uk/in-business/advice/23985/hidden-costs-websites/
uncertainty over tax crackdown forecasts.
Freebie Friday. http://money.aol.co.uk/2014/03/07/freebie-friday-this-weeks-discounts-deals-and-freebies/
advisers pushing jobless into self-employment.
Hardly news, is it?
local postal service costs 30p. http://money.aol.co.uk/2014/03/06/new-local-postal-service-costs-30p-is-this-the-future/
The other u.s.p. enjoyed by this local service
might be that it employs people who can read.
Unlike The Post Office.
card transactions increase by 249%. http://www.worldpay.com/media/index.php?page=archive&sub=worldpay-contactless-ig&c=
The number of contactless card transactions
that took place in the UK increased by 249%
to reach 43.6 million in 2013, up from 12.5
million in 2012, according to data published
by payment processor WorldPay. According to
WorldPay, use of contactless payments was highest
in London, Manchester and Leeds, and contactless
cards account for a quarter of all debit, credit
and charge cards in the UK. (EnterpriseQuest)
bank websites put to sinister use. http://www.bbc.com/news/technology-26468049#
Microshite scam. http://money.aol.co.uk/2014/03/07/upgrade-or-risk-being-hacked-windows-xp-users-warned/
Mobile ads overtake porn as biggest malware
security threat. http://www.telegraph.co.uk/technology/internet-security/10677565/Adverts-overtake-porn-as-largest-mobile-security-threat.html
Jobmatch website riddled with fraud. http://www.theguardian.com/society/2014/mar/05/government-universal-jobmatch-website-fraud
of UK companies set up by migrants; people born
abroad twice as likely to set up a business.
review finds impact of immigration on British
jobs is negligible. http://www.independent.co.uk/news/uk/politics/exclusive-impact-of-immigrants-on-british-workers-negligible-9171752.html
On the basis that you won't find Brits doing
'jobs' which require work, anyway.
the British invented France. http://www.telegraph.co.uk/travel/destinations/europe/france/10677375/How-the-British-invented-France.html
There's probably just as much mileage in
an article, 'How the French invented Britain'.
But British rags won't be going there.
Official release: misleading websites to face
the squeeze. https://www.gov.uk/government/news/misleading-websites-to-face-the-squeeze
for beginners. http://www.bmmagazine.co.uk/in-business/advice/23922/networking-beginners/
and property jobs boom. http://money.aol.co.uk/2014/03/05/construction-and-property-jobs-boom/
million fund launched to convert London's disused
garages into workspaces. http://www.bmmagazine.co.uk/news/23891/new-9m-fund-launched-convert-londons-disused-garages-workspaces/
lack awareness of new types of cyber security
UK business owners lack awareness of the risks
posed by 'unknown threats', according to the
latest Global Security Survey by Dell. The survey
revealed that 71% of UK firms had experienced
a security breach in the past year, with 42%
of respondents saying they had increased spending
on security monitoring services. However, Dell
revealed that new technologies and trends such
as BYOD (bring your own device), web apps and
cloud computing had increased the risk to business
from malicious or accidental internal cyber
attacks. Matt Medeiros of Dell said: "We
believe a new security approach is needed -
one that is embedded in the fabric of software,
governing access to every application and protecting
every device, both inside and outside a corporate
MPs call for business rates reform. http://www.bbc.com/news/business-26426340#
Will their call last for as long as their
calls for cuts to red tape? Watch this space.
For ninety-nine years.
energy costs leap 55% in a decade. http://www.telegraph.co.uk/finance/personalfinance/consumertips/household-bills/10673777/Household-energy-costs-leap-55pc-in-a-decade-despite-falling-usage.html
Of which, no warning whatsoever on business
weener websites suggesting that running a business
or working from home was much cheaper than going
households wrongly billed by energy supplier.
prices to soar over crisis. http://money.aol.co.uk/2014/03/03/fuel-prices-to-soar-over-crisis/
cross-border small claims procedure to be expanded.
The Government has opted in to measures expanding
the European Small Claims Regulation, which
allows businesses in one EU member state to
obtain a judgment that is automatically enforceable
in other member states. Despite the procedure
being available since 2009, around 80% of UK
respondents surveyed in 2012 had never heard
of it, 16% had heard of it but never used it,
and just 1% had both heard of and used it. The
expansion measures are as follows: increasing
the maximum claim amount from €2,000 to
€10,000; capping court fees at 10% of claim
value; making more claims eligible under the
procedure by widening the definition of 'cross-border
cases'; and increasing the use of IT in order
to cut costs. (EnterpriseQuest)
hit by holiday fraud scams. http://money.aol.co.uk/2014/03/04/britons-hit-by-holiday-fraud-scams/
To the tune of around £7 million a
year, according to this article. Or, absolute
peanuts by comparison with the officially condoned,
ongoing frauds against the public by the financial
sector, the utilities, public transport and
Home ownership to fall below 50% within a generation.
broadband could knock 20% off house prices.
dangers of loan sharks to be taught in schools.
No chance of the dangers of dummyphones,
video games, watching tv and the internet, underage
drugs, drinking, smoking and shagging, being
taught as well? No? Ah, well. They'll do as
tomorrow's start-up entrepreneurs, then. Especially
if they can't read or write and display stunted
maturity as well.
richest 50. http://www.dailymail.co.uk/news/article-2571163/Billionaire-Britain-There-never-booming-UK-nations-richest-50-DID-make-cash.html
No 'internet' billionaires, then? Wot a surprise.
'need more protection'. http://www.bbc.com/news/uk-26404172#
Which doesn't mean, one presumes, the Government
voluntarily reducing the numbers of gaming licences?
and more home sellers cutting out estate agents.
of the organisations taking over functions of
the Office Of Fair Trading. http://www.oft.gov.uk/about-the-oft/work-and-responsibilities
The Office of Fair Trading (OFT) will officially
close on 31st March 2014 and details have been
released about each of the organisations taking
over its responsibilities from 1st April 2014.
Competition regulation and some aspects of consumer
protection will become the responsibility of
the Competition and Markets Authority (CMA).
The CMA will enforce consumer law, relating
to unfair contracts and misleading pricing and
competition law, for example, relating to merger
control. The Financial Conduct Authority (FCA)
will be responsible for authorising firms that
provide consumer credit and enforcing consumer
credit legislation. The OFT's role in educating
consumers and business about consumer law has
been carried out by Citizens Advice and the
Trading Standards Institute (TSI) since April
of the Government' s 'three-for-one' 'efficiency'
drive. Where there was one agency, replace it
with three. Plus all the attendant 'red tape',
public spending, bureaucracy and cronynism our
latest generation of political empire-builders
would like to see.
tourism standards proposed by the EC. http://www.eubusiness.com/topics/tourism/tourism-quality
The European Commission (EC) has proposed a
set of voluntary tourism standards covering
staff training, complaints handling and customer
satisfaction, cleanliness and maintenance, and
tourist information. The Tourism Quality Principles
would harmonise standards across all EU member
states, making it easier for visitors to compare
different services and simpler for businesses
to understand and comply. The voluntary Principles
require tourism services to provide employees
with suitable training and provide up-to-date
and reliable tourist information covering local
history, heritage and services in at least one
relevant foreign language. (EnterpriseQuest)
short of being '100% French'. http://www.theguardian.com/world/2014/feb/27/benjamin-carle-100-percent-french-made-in-france
Interesting little exercise, although the
French in general and unlike the Brits, are
already very loyal to their own country's products.
All we need now is for the country's politicians
to follow suit.
quotes and trials on franking machines.
Royal Mail hikes stamp prices yet again.
million fund for UK's flood-hit tourism industry.
banking apps hit by glitches. http://www.bbc.com/news/business-26387754#
a million affected by negative equity. http://www.bbc.com/news/business-26389009#
Freebie Friday. http://money.aol.co.uk/2014/02/28/freebie-friday-this-weeks-discounts-deals-and-freebies/
focus on stealing money from mobile banking.
ripped off by letting agents keeping deposits.
buying a flood-damaged car. http://www.telegraph.co.uk/motoring/how-to/10658622/How-to-avoid-buying-a-flood-damaged-car.html
Stricter mortgage lending rules for newly self
Newly self-employed individuals could find it
increasingly difficult to obtain a mortgage,
accountancy and tax adviser TaxAssist has warned.
Several industry experts have reported that
high street lenders are imposing strict rules
that make it difficult for the newly self employed
to obtain a mortgage, such as requiring at least
two years of accounts. TaxAssist revealed that
banks and building societies are no longer allowing
self-employed people to 'self certify' their
income without official verification in their
mortgage application. Daniel Bailey of mortgage
adviser Middleton Finance said: "Borrowers
going from employed to self employed do not
realise the implications this has on being able
to get a mortgage." (EnterpriseQuest)
rise in payday loan problems. http://www.bbc.com/news/business-26354479#
urges taxpayers not to be fooled by phishing
HMRC has warned taxpayers to avoid being caught
out by e-mail phishing scams that claim to offer
tax rebates in return for bank account details.
In the three months to the 31st January 2014
tax return deadline, a total of 23,247 phishing
e-mails were reported to HMRC, a 47% increase
on the same period in 2013. HMRC has confirmed
that it never contacts taxpayers via e-mail
regarding a refund, and advised anyone who receives
an e-mail claiming to be from HMRC not to click
on any links or attachments, forward it to firstname.lastname@example.org
and then delete it permanently. HMRC has published
advice and examples of typical fake e-mails
worst bank for customer service. http://blogs.independent.co.uk/2014/02/26/which-is-the-worst-bank-for-customer-service-its-britains-newest/
warning for internet trolls. http://money.aol.co.uk/2014/02/27/arrest-warning-for-internet-trolls/
Makes you wonder why it's taken so long.
to extend TV licence fee to watching iPlayers.
Minister urges British businesses to forge 'special
relationship' with China. http://www.telegraph.co.uk/finance/china-business/10658983/Britain-must-build-special-relationship-with-China-says-Michael-Fallon.html
prefer Continental cheese. http://www.telegraph.co.uk/foodanddrink/foodanddrinknews/10657606/English-cheeses-lose-out-as-Brits-go-continental.html
The Brits are renowned for their mongrel
consumer habits. From cars to holidays; telly
programmes to clothes; food to gadgets. And
for being the first to moan about furreners
taking their jobs.
in the case of British artisanal cheese, which
most experts consider to be now, the best in
the world, the problem is, where do you buy
it? Certainly not in the supermarkets.
Irish meat destined for burgers, finds Polish
report into horsemeat scandal. http://www.theguardian.com/uk-news/2014/feb/24/rotting-meat-irish-burgers-horsemeat-polish-report
Still nothing conclusive to report from EU
(and British) horsemeat investigations, then?
Not to worry. It will soon be back to business
knell for traditional, local branch banking
and cash transactions. http://www.dailymail.co.uk/news/article-2567117/Death-knell-traditional-local-bank-branch-HSBC-chief-warns-fewer-cash-transactions.html
Still more limitations for hopeful entrepreneurial
newbies to face.
powerless to stop junk emails. http://www.dailymail.co.uk/news/article-2567179/Watchdog-powerless-stop-junk-emails-Information-commissioner-says-companies-bombard-public-messages-escape-prosecution.html
Yes, we've noticed.
to snap up a cheap home with a memorable home
business address. http://www.dailymail.co.uk/news/article-2567211/Want-snap-cheap-home-Look-no-Slag-Lane-Properties-rudely-named-streets-cheaper-people-embarrassed-live-there.html
roads and houses to prevent flood chaos, advises
Wasn't it similarly clever buggers who suggested
that building on flood plains didn't pose a
risk? And that extreme weather conditions were
a one-off? Fortunately, the country can't afford
these latest daft ideas. We've got to send £
billions in 'aid' to the Ukraine so that they
can buy defective GM seed from our Government's
agri-business mates again.
favourite ways to make money from home.
Here we go again.
- is this the end? http://www.bmmagazine.co.uk/in-business/advice/23758/bookkeeping-end/
The scandal of Europe's 11 million empty homes.
targets tax evaders with offshore accounts.
'savers' that cost you more. http://www.telegraph.co.uk/finance/personalfinance/consumertips/10654358/The-energy-savers-that-cost-you-more.html
damage: why insurers won't clear away a fallen
RBS expands use of Post Offices. http://www.bbc.co.uk/news/business-26294010#
blunders: why HMRC won't pay. http://www.telegraph.co.uk/finance/personalfinance/consumertips/tax/10654501/Why-wont-HMRC-pay-up-for-tax-blunders.html
influx of Romanians and Bulgarians, airline
and coach survey finds. http://www.independent.co.uk/news/uk/politics/no-influx-of-migrant-workers-from-romania-and-bulgaria-survey-of-airlines-and-coach-companies-finds-9146866.html
On the other hand, the stories helped sell
a lot of hate-preaching votes and copy. Job
police arrest 'thousands' of 'illegal British
immigrants' 'living off benefits' and 'stealing
French jobs'. http://www.dailymail.co.uk/news/article-2565661/Seven-British-ski-instructors-arrested-armed-police-France-giving-lessons-without-licence-Piste-War-breaks-slopes.html
the Imbys". http://www.telegraph.co.uk/news/10656004/Forget-Nimbys-were-the-Imbys.html
jailed for selling fake mobile phone insurance.
to rent out your car. http://www.telegraph.co.uk/motoring/how-to/10624356/How-to-rent-out-your-car.html
Official guidance: flood support package for
homes and businesses. https://www.gov.uk/government/publications/flood-support-package-for-homeowners-and-businesses
that slash your mobile phone bills. http://www.telegraph.co.uk/finance/personalfinance/consumertips/household-bills/10647200/How-to-get-a-cheaper-mobile-phone-contract.html
for under £50,000. http://www.telegraph.co.uk/property/propertypicturegalleries/10649852/Homes-for-under-50000-for-sale.html
Freebie Friday. http://money.aol.co.uk/2014/02/21/freebie-friday-this-weeks-discounts-deals-and-freebies/
retail sales fall 1.5% in January. http://www.bbc.co.uk/news/business-26286706#
Yet another encouraging indicator from the
country's 'economic recovery'.
train users unaware of their rights. http://www.bbc.co.uk/news/business-26275394#
of UK users concerned about mobile security.
That being the half of the population with
Select: the best credit card ever? http://money.aol.co.uk/2014/02/20/nationwide-select-the-best-credit-card-ever/
UK households financially optimistic for 2014.
swapping on the rise. http://www.theguardian.com/business/2014/feb/19/bedroom-tax-home-swap-website-surge-activity-house-exchange-homeswapper
electricity meter clocks could be leading to
Another 'technology' issue affecting the
consumers' pockets and this time, it's not the
public sector or banking, either. There is a
pattern, though. It's always 'big ticket' or
'big business' technology. Or, Big Scam. Small
businesses, berated though they may be for not
embracing 'technology', don't have these kinds
of problems. Nor do their customers.
repsonse to more Engerlish hate-preaching tabloid
bullshit about 'bankruptcy'. http://ec.europa.eu/unitedkingdom/blog/index_en.htm
advice: accounting and taxes. http://www.bmmagazine.co.uk/in-business/advice/23654/start-advice-accounting-taxes-dont-need-maestro/
Happy, Healthy and Wealthy New Year to you all.
our usual gratitude and thanks to BAD News and