6th December 2013
down to see full list; previous
month's (November 2013) Viewpoint; Latest
down for: A Home and Small Business
Viewpoint by Len Tondel, from 1st December 2013
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
Freebie Friday. http://money.aol.co.uk/2013/12/06/freebie-friday-this-weeks-discounts-deals-and-freebies/
than 2 million web accounts hacked. http://www.telegraph.co.uk/technology/news/10496728/More-than-two-million-web-accounts-hacked.html
marketing moonlighting on the rise. http://www.bmmagazine.co.uk/news/22356/affiliate-marketing-moonlighting-rise/
quarter of Kindle Top 100 books now written
by self-published, independent authors. http://www.dailymail.co.uk/news/article-2518546/Amazon-reveal-quarter-100-Kindle-books-written-self-published-indie-authors.html
Statement 2013 Special. Welcome to this
special edition of BAD News (Business Advisers'
News), bringing you a summary of the most relevant
and important measures announced by the Chancellor
in his Autumn Statement.
Chancellor outlined a range of measures to promote
growth, fairness, investment and employment,
and to equip young people for the future. Announcing
the proposals, the Chancellor said that while
the UK economy was growing faster than any other
major economy, there remained much to do, as
the "job of recovery was not yet done".
points included in the Chancellor's Statement
to promote growth, investment and employment.
Mr Osborne announced a number of measures
designed to support firms to grow and create
Firms will be allowed to pay business rates
over 12 months rather than ten months from April
2014. The Government will also introduce a 2%
cap on RPI increases in business rates for 2014/15.
Additional business rate reliefs will be introduced
in England, including:
discount of £1,000 on business rates for
two years for retail and food and drink premises
with a rateable value below £50,000, from
50% rates reoccupation relief for 18 months
for firms moving into retail premises that have
been empty for a year or more, from April 2014.
doubling of the Small Business Rates Relief
(SBBR) will be extended for a further year,
from April 2014.
From April 2015, employer National Insurance
Contributions (NICs) will be abolished for employees
aged 20 or under who earn less than £813
A new Social Investment tax relief will be introduced
from April 2014 to encourage investment in social
enterprises by individuals. Tax relief will
apply to various types of investment in charities,
community interest companies (CICs) and community
An additional £25 million of funding will
be provided to support and promote employee
The Coastal Communities Fund will be extended
In December 2013, the Government will publish
'Small Business: GREAT Ambition', which will
set out its commitment to small business and
bring together a variety of new activities to
support small business growth, which the Chancellor
states is critical to economic growth in the
To enable UK Export Finance (UKEF) to support
more exporters, the Government will extend the
scope of the Direct Lending and Working Capital
schemes, and will double the number of Export
Apprenticeship funding will be reformed and
an additional £40 million will be provided
to deliver a further 20,000 higher apprenticeships
during the 2013/14 and 2014/15 academic years.
Apprenticeship funding will be routed directly
to employers following a consultation in early
2014. The Government has also committed to introducing
compulsory employer contributions to external
training costs for apprentices and providing
additional contributions towards the costs of
training 16 and 17-year-olds.
Over the next six years, an additional £160
million will be committed to the Start Up Loans
programme, doubling the amount of funding provided
and rolling out the scheme to all age groups.
changes to aid growth and fairness in the economy
The planned increase in fuel duty that was to
come into force in September 2014 has been cancelled.
Action is to be taken from April 2014 to prevent
employers and employment intermediaries from
avoiding their NIC and employer obligations
by disguising the employment of workers within
contrived contracts. This includes the avoidance
of employment taxes by disguising employment
as self employment.
From April 2014, the Government will introduce
corporation tax relief for film production so
that relief is available at 25% on the first
£20 million of qualifying production expenditure
and 20% thereafter. New support will be introduced
for theatres from April 2015, following a consultation
that will be launched in early 2014 to consider
proposals for tax relief to benefit the sector.
Autumn Statement is available in full at: https://www.gov.uk/government/publications/autumn-statement-2013-documents
Autumn Statement 2013. http://www.telegraph.co.uk/finance/personalfinance/how-budget-affect-me/10496587/Autumn-Statement-2013-winners-and-losers.html?utm_source=tmg&utm_medium=TD_autumnlive0512&utm_campaign=AutumnstatementTD
services growth remains strong. http://www.bbc.co.uk/news/business-25213809#
investigations triple over past year. http://www.freelanceuk.com/news/4431.shtml
HMRC opened 256 new IR35 investigations into
consultants and freelancers in 2012/13, up from
just 59 in 2011/12, according to official figures.
HMRC revealed that the majority of cases it
had investigated concerned high-risk and "wilfully
non-compliant" companies i.e. where all
their contracts would fall within the scope
of IR35. Robin Wythes, HMRC Employment Status
Team Leader, explained that HMRC is now "trying
to see IR35 from the view of the worker,"
and that there is a need to make Business Entity
Tests - part of the IR35 guidance released last
year - "fit for purpose."
postal strike deal reached. http://www.bbc.co.uk/news/business-25215626#
Mail's Christmas First Class cop-out clause.
says learn Mandarin, not French, to 'seal tomorrow's
business deals'. http://www.theguardian.com/politics/2013/dec/05/david-cameron-ditch-french-learn-mandarin-china
How about British yoof learning to speak
Marketing Report: "10 Common-Sense Steps
To Writing Web Copy That Works". http://www.improve-your-marketing.co.uk/Report-Writing-Web-Copy-That-Works.html?utm_source=emailflow&utm_medium=email&utm_campaign=R10-Steps-Web-Report+test
Construction growth at six year high. http://www.bbc.co.uk/news/business-25201692#
Advice Service 'not fit for purpose'. http://www.telegraph.co.uk/finance/personalfinance/consumertips/10490598/Money-Advice-Service-not-fit-for-purpose-say-MPs.html
outsell cars in most EU countries. http://www.bbc.co.uk/news/world-europe-25209551#
the Chinese think of Britain. http://www.independent.co.uk/news/uk/politics/britain-is-merely-a-country-of-old-europe-with-a-few-decent-football-teams-chinese-newspaper-criticises-uk-during-david-cameron-visit-8979611.html
It appears that the Chinese still think that
'Thick' Britain remains a good place for studying.
And watching football. They obviously haven't
read the latest OECD report yet. Or seen
'Engerlandt' playing. http://www.telegraph.co.uk/education/educationnews/10490614/OECD-education-report-Lessons-for-the-UK-from-other-nations.html
Although their suspicions were more than
aroused with the arrival of David Cameron's
British Muppet Show a few days ago. http://www.dailymail.co.uk/news/article-2516585/PM-cronies-charm-China-Party-131-includes-father-law-neighbour-ex-soccer-star--man-gave-world-Big-Brother.html
And reports of leading political figures (who
are the issue of British public schooling) being
too thick for even the most basic IQ tests.
note: The government's business gurus and
advisers had recently alerted 'Da PM' to the
necessity of establishing fresh trade links
with China after the collapse of the British
supply chain of Afghan heroin to Chinese opium
dens, and have assembled a team around him to
represent British world-beating expertise to
this huge, new marketplace - just fifty years
after the rest of the world - in goat breeding
on benefits; dummyphone holding; watching non-stop
repeats on tv; getting bladdered; getting tattooed;
trolling; and taking 'selfies'.)
Mail Wooden Spoon Awards. http://www.dailymail.co.uk/money/news/article-2517746/Take-revenge-companies-providing-bad-customer-service.html
to grow a brand online. http://www.bmmagazine.co.uk/in-business/advice/22287/grow-brand-online/
is not new. http://www.bmmagazine.co.uk/in-business/advice/22342/ransomware-new/
New online banking super-virus? http://money.aol.co.uk/2013/12/02/are-you-at-risk-from-new-online-banking-super-virus/
ways to invest in businesses. http://money.aol.co.uk/2013/12/02/five-ways-to-invest-in-businesses/
average household income falls by over £5000.
That's Britain's much-vaunted economic recovery
on paperless self assessment launched. https://www.gov.uk/government/news/paperless-self-assessment-moves-a-step-closer
A consultation on paperless self assessment
(SA) has been opened by HMRC as part of its
Digital Strategy published in December 2012.
The consultation, which closes on 27th December
2013, is seeking views on planned changes to
legislation that will enable HMRC to provide
a paperless service, sending communications
to taxpayers electronically instead of by post.
Only around a quarter of HMRC's dealings with
taxpayers are online, although the majority
of taxpayers already file SA returns electronically.
David Gauke, Exchequer Secretary to the Treasury,
said: "HMRC's Digital Strategy will make
processes like SA faster and simpler. It will
deliver the tax system for the 21st century
that taxpayers expect." (EnterpriseQuest)
bills driving up business costs, survey suggests.
The cost of running a business is rising
more than 3% ahead of inflation, according to
new research from the Forum of Private Business
(FPB). Nearly all respondents to the FPB's Cost
of Doing Business survey reported an overall
increase in their business costs and 87% said
their energy bills had increased. Other rising
costs included transport (83%), marketing (78%)
and raw materials or stock (69%). The survey
also found that costs for micro, small and medium-sized
firms had risen by 6% since the previous year,
compared with the annual inflation figure of
bank IT meltdown. http://www.theguardian.com/business/2013/dec/03/natwest-rbs-cards-declined-it-meltdown
and RBS to compensate users: http://www.bbc.co.uk/news/business-25193884#
ways Amazon drones could go horribly wrong.
Cyber Monday: busiest online shopping day expected.
online or overseas for Christmas? Don't get
caught out. http://www.icpa.org.uk/portal_home_page-hmrc-buying_online_or_overseas_for_christmas__don_t_get_caught_out.html
Watch out, too, for all those 'Amazon' phishing
emails and messages this time of year.
threat for buy-to-let. http://www.telegraph.co.uk/finance/personalfinance/borrowing/10484798/Tax-threat-for-buy-to-let.html
businesses will suffer for as long as no effort
is made to stop phone theft. http://www.telegraph.co.uk/comment/columnists/borisjohnson/10487320/Is-it-beyond-the-wit-of-tech-wizards-to-stop-phone-theft.html
warned over crash scams. http://money.aol.co.uk/2013/12/02/drivers-warned-over-crash-scams/
ways to make money playing video games.
All aboard for the latest digital scam fodder!
ways that accounting software could buy your
business more time. http://www.bmmagazine.co.uk/in-business/finance/22272/10-ways-using-accounting-software-buy-business-bags-time/
Autumn statement 2013: from business rates to
energy bills. http://www.telegraph.co.uk/finance/budget/10484931/Autumn-Statement-2013-From-business-rates-to-energy-bills-what-Thursday-holds-for-Britain-Plc.html
bills could drop by £50. http://money.aol.co.uk/2013/11/30/energy-bills-could-drop-by-50/
gulf between Britain and the EU. http://www.theguardian.com/world/2013/nov/30/shock-poll-reveals-gulf-britain-eu-france-germany-poland-hostile
company takes Amazon to court for 'piracy capitalism'.
Bitcoin thefts soar. http://www.dailymail.co.uk/sciencetech/article-2516024/Bitcoin-thefts-soar-online-criminals-target-easy-payday-currencys-value-quadruples-space-weeks.html
Nightstop: our home is your home. http://www.theguardian.com/lifeandstyle/2013/nov/30/safe-place-homeless-youngsters-nightstop
UK has highest level of property taxes in the
developed world. http://money.aol.co.uk/2013/11/29/uk-has-highest-level-of-property-taxes-in-the-developed-world/
A very rare story for the British media as
it would point the finger at why political parties
of all shades really want to see so many new
houses built all the time - and it hasn't got
anything to do with an adequate supply of affordable
properties for first-time buyers!
household debt hits record high. http://www.bbc.co.uk/news/business-25152556#
Trebles all round, chaps! Arf, arf.
Monday splurge to hit £500 million.
Twelve Scams of Christmas. http://www.telegraph.co.uk/technology/internet-security/10483697/12-Scams-of-Christmas-revealed-by-McAfee.html
more people should own their own businesses.
smallest distillery. http://www.telegraph.co.uk/foodanddrink/10478134/Word-of-mouth-Cambridge-Gin-Britains-smallest-distillery.html
7 most powerful sales tools. http://www.bmmagazine.co.uk/marketing/sales/22279/7-powerful-sales-tools/
Freebie Friday. http://money.aol.co.uk/2013/11/29/freebie-friday-this-weeks-discounts-deals-and-freebies/
firms warned about mass malware campaign. http://www.computerweekly.com/news/2240209198/UK-police-warn-of-malware-campaign-targeting-mainly-SMEs
The National Crime Agency's (NCA's) National
Cyber Crime Unit (NCCU) has issued a warning
about a new mass e-mail malware campaign. The
e-mails, which are specifically targeted at
smaller firms and consumers, appear to be from
financial institutions, but carry a malicious
attachment that encrypts files on the infected
computer and any local network it is attached
to. A £500 ransom demand in bitcoins is
then made to unlock the files. The NCCU is urging
firms not to open any suspicious-looking attachments,
regularly back up files to a location off the
network and update antivirus software. Anyone
whose device is infected by this malware should
report it via ActionFraud (http://www.actionfraud.police.uk).
Streets need radical action says report.
Friday: online deals no match for charity shops.
downloads are acceptable. http://www.telegraph.co.uk/technology/news/10480938/Illegal-downloads-are-acceptable-say-half-of-EU.html
of England scraps Funding for Lending scheme.
'cool' the housing market? Or because it wasn't
having the desired effect, anyway? (As we were
saying.) House prices see monthly drop.
again, who do you believe? http://www.bbc.co.uk/news/business-25145362#
a damaging piece of jargon which is stopping
many firms from fulfilling their potential.
An intelligent and knowledgeable article
for the mainstream media. A welcome change to
read something from someone who knows what he
is talking about.
burglary hotspots. http://money.aol.co.uk/2013/11/28/britains-burglary-hotspots-suffer-in-the-worst-month-of-the-yea/
Consumer spending driving the UK economy. http://www.bbc.co.uk/news/business-25118514#
Including spending by all those immigrants?
The Ponzi scheme breathes another day.
Pages firm in administration. http://www.bbc.co.uk/news/business-25129629#
of finance too high for SMEs. http://www.bmmagazine.co.uk/news/22263/cost-finance-high-smes/
a nation of compulsive clickers. http://www.telegraph.co.uk/technology/internet-security/10478327/UK-is-a-nation-of-compulsive-clickers-who-leave-PCs-vulnerable-to-attack.html
homes earmarked for demolition offered to Brits.
hard is it running a pub? http://www.telegraph.co.uk/men/thinking-man/10473565/Running-a-pub-how-hard-can-it-be.html
state pensions are lowest in Europe. http://www.dailymail.co.uk/news/article-2514232/Britains-pension-shame-State-packages-worst-world-study-shows.html
That should discourage all those immigrants
on benefits from staying permanently in 'Bongo
Bongoland' Britain. And why the totally overlooked
subject of pension planning for the self-employed
needs to be thought about all the more seriously.
New regulations set out deadline for dealing
with website comments. http://www.out-law.com/en/articles/2013/november/defamation-law-reforms-to-take-effect-from-the-start-of-2014/
New regulations outlining the process to be
followed by website publishers who receive complaints
about comments posted on their sites will come
into force on 1st January 2014. Under the Defamation
(Operators of Websites) Regulations, publishers
will be required to contact comment authors
to inform them of a complaint and give them
five days either to consent to the removal of
their comment, or provide the publisher with
their contact details to be passed to the complainant.
If there is no response from the author, or
they refuse to allow their details to be passed
on, the publisher will have 48 hours to remove
the comments from the site. The regulations
also give complainants the right to insist that
their identity remains concealed from the author
of the comment. (EnterpriseQuest)
million in serious debt across UK. http://www.bbc.co.uk/news/business-25108891#
That will be the economic revival the country
is enjoying plus all those illegal immigrants
about to come over.
attacks energy company profits and performance.
The whole country has already been doing
that for years. So who are Ofgem? A chimney
on a dog's arse.
freeze led to extra 31,000 deaths last year
as energy prices rose. http://www.independent.co.uk/news/uk/home-news/winter-freeze-led-to-31000-extra-deaths-last-year--against-a-backdrop-of-soaring-energy-prices-8965427.html
would put the energy companies right up there
with terrorist regimes like the US. They should
have laws against it.
a good test of home business profitability as
'5 million' fledgling entrepreneurs cuddle up
to their dummyphones and try fummin' with just
a pair of sawn-off gloves and the steam from
an electric kettle to keep warm. Day in, day
out, for the next three months. Dreaming
of the good 'ole days of travelling to and from
work in a nice, warm sardine can and working
in an office heated at another boss's expense.
proposing increased border delays and cost of
tips for expanding your business. http://www.bmmagazine.co.uk/in-business/22258/6-tips-expanding-business/
ways to describe yourself in business. http://www.bmmagazine.co.uk/in-business/advice/21920/five-ways-describe-business/
coaching work? http://www.bmmagazine.co.uk/in-business/advice/22238/coaching-work/
Directors fund small companies with personal
A quarter of directors of small companies
have used mortgages, credit cards and personal
savings to fund their business, according to
the results of a survey by Experian. The research
found that almost 50% of directors had used
personal funds to set up their firm, 37% to
invest in premises or equipment, 30% to pay
suppliers, and 26% to clear debts. Nearly half
of respondents said they used personal credit
cards to pay for everyday business expenses,
while almost a third said they had used mortgages
secured on their homes to fund business investments.
Almost half of directors said they had used
their own savings for business purposes, while
65% had funded these out of their personal current
surprised the figure is this low because I don't
know of any small business where personal
finaces haven't been brought into play at some
stage or another. Still, not a reality check
which will be receiving an airing in the media
any time soon. It might affect the take-up of
the Government's burglar's bagful of business
worst bankruptcy hotspots. http://money.aol.co.uk/2013/11/25/the-uks-worst-bankruptcy-hotspots-revealed/
loan risk to mortgage applications. http://www.bbc.co.uk/news/uk-25098810#
start-up raises £1 million in 1 day.
app for accessing internet anywhere in the world.
Anywhere?! This I've got to see.
prefer maps to satnav. http://www.telegraph.co.uk/motoring/news/10471427/Motorists-prefer-printed-maps-to-satnav-finds-AA.html
Just as people and businesses prefer real,
face-to-face encounters and genuine goodwill
to fake friends and superficial social media.
Unfortunately, politicians and the media don't
get out much.
moves to close Big Corp tax loophole. http://www.independent.co.uk/news/world/europe/eu-commission-moves-to-close-corporate-tax-loophole-used-by-google-amazon-and-starbucks-8963162.html
That's 'EU' as in 'EU' and not 'corrupt, British
government fagging for Big Corp'. Our politicians
will be most upset.
£150 hobbit home. http://www.dailymail.co.uk/news/article-2513154/Farmer-builds-house-just-150-using-materials-skips--current-tenant-pays-rent-MILK.html
The cottage industries boom. http://www.theguardian.com/money/2013/nov/24/cottage-industries-homework-working-from-home
'The number of people working from home
has doubled in the past 10 years', claims
the author. Really?? Who says? (In the absence
of any statistics, credible or otherwise, provided
by the article.)
fact, based on the numerous 'findings' we see
on a regular basis, 'homeworking' numbers have
fallen - and significantly - over the past 10
years. Furthermore, in the absence of any definitions
of 'homeworking' or 'cottage industry', it should
be remembered they are not traditionally viewed
as being one and the same activity, either.
criminals exploit wi-fi hotspots. http://www.telegraph.co.uk/technology/internet-security/10468317/Lazy-WiFi-providers-offer-data-free-risks-for-terrorists-and-criminals.html
digital future of receipts. http://www.telegraph.co.uk/finance/think-tank/10468392/Receipts-the-digital-future.html
law to cap payday loan interest. http://www.bbc.co.uk/news/uk-politics-25083701#
Not the usual 'corrupt', political foot-dragging
when it comes to banging up High Street banker-mates
for fraud, then? Just as one example.
treatment of businesses referred to regulator.
The usual story of seizure and asset-stripping
by the banks and a practice which has been going
on for centuries, supported by an entire political
class of 'corrupt', inbred, fagging 'swivel-eyed
loans to be sold off to debt collection agency.
It will be 'entrepreneurs' business start-up
Price comparison websites to be investigated.
energy bills face app attack. http://www.telegraph.co.uk/finance/newsbysector/energy/10469940/Compare-the-Market-plans-meerkat-style-attack-on-energy-bills-with-new-app.html
to be hit with a flood of fake goods as migrants
swarm in. http://www.express.co.uk/news/uk/444837/Britain-to-be-hit-with-a-flood-of-fake-goods-as-migrants-swarm-in
This will be all those ex-pat British crooks
living in Spain coming home for Christmas, will
it? Or, you can just carry on buying them on
eBay, as usual.
ultimate small business gift guide. http://sbinformation.about.com/b/2013/11/12/ultimate-small-business-gift-guide.htm?nl=1
Freelancers and micro-businesses are earning
more and more. http://www.bmmagazine.co.uk/news/22186/new-research-reveals-freelancers-micro-businesses-earning/
of festive spending goes online. http://money.aol.co.uk/2013/11/23/12-of-festive-spending-goes-online/
Is that all? Still, it's more than enough
to impress our minority issue politicians. While
the economy keeps on waiting for the promised
'internet revolution' to make much of an overall
Mail missing postal targets. http://www.bbc.co.uk/news/business-25048425#
popularity of the phoney research scam.
ALL scams are appearing to be more and more
popular these days, driven by the internet and
social media especially. Over fifty years ago,
before the internet aborted itself into the
world, even the simplest third world peasant
would understand and be wary of lottery scams,
Ponzi schemes and pie-on-a-skyhook earners.
Nowadays, everyone's a rocket scientist, sharing
on forums of other anonymous, illiterate rocket
scientists, what is a good punt and what to
20 thrifty tips for your home. http://www.telegraph.co.uk/property/interiorsandshopping/10355977/Interior-design-top-20-thrifty-tips-for-your-home.html
our usual gratitude and thanks to BAD News and
July 2013; June
October 2013; September
2013; July 2013;
October 2013 contents:
for Home Business Alliance members:
of the News:
new approach to Business Record Checks; Health
professionals targeted in new HMRC campaign;
Complex local licensing rules hinder start ups,
councils warn; Security services will require
a licence from April 2015; Small firms able
to exit phone contracts without penalty; New
guide to help Welsh firms jointly bid for public
contracts; Small building firms see tentative
signs of recovery; Over 1,000 building sites
fail safety checks; OFT consults on legal guidance
and VAT News
FREE! 101 Insider Business
Assessment Payments on Account: Make Sure You
Dont Slip Up
by Colin Edwards
Big Marketing Mistakes Small Business Owners
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Adwords tips and free report; Big Pockets
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Enterprise; Google Adwords tips and free report;
UK business directory, window film company:
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Planning summer programme guide; UK Biz Sales;
Art of Design webmag; all about creating and
editing .pdf files; Maximising Mobile Marketing;
Can you please help?; Cyber-security - mitigating
the threat seminar; 10 Steps To Mobile Marketing
Nirvana et al; disposal of your IT equipment;
half-price business card offer; Save up to 43%
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