R&D Tax Credits refer to forms of Research and Development Relief, which is covered as part of Corporation Tax bills. Companies who are involved in forms of research and development with positive social outcomes can receive cuts in their Corporation Tax, or a tax credit paid in the form of cash. Qualifying for these credits involves both being a Corporation Tax payer, and being eligible as either a Small or Medium Sized Enterprise, or a Large Company. Differences between the two will affect the tax relief available, and how it can be declared and managed in relation to broader research...
Entrepreneurs have always existed. From Henry Ford to Thomas Edison, some entrepreneurs had such amazing vision that they changed the world. Literally! A lot of people these days wonder, who are the top entrepreneurs of our time; well, here is our list of our best entrepreneurs of the modern day from whom… We can learn a lot. Check it out… Steve Jobs Known for his intuitive ability to identify patterns and potential business markets, Steve Jobs is the first person on our list. Steve is considered as a pioneer in revolutionalizing entire tech industry by introducing GUI and Mouse in...
Sometimes people feel backed in a corner with a tremendous amount of debt. They might have school loans, several credit cards and a car payment on top of the expense of raising a family and paying the mortgage. When people are stressed with late payments, they reach for the first cash solution that will solve the immediate problem. Unfortunately, quick decisions to reduce monthly payments can cause greater harm in the future. Here are three seeming money savers that ruin finances: Quickly Trying to Lower That Mortgage Banks advertise that mortgage rates are among the lowest in history, an appetizer...
Businesses have come under increased pressure during the past couple of years as the economy continues to show signs of deterioration. But as interest rates increase and savings rates continue to be less and less rewarding, many companies are struggling to compete with the bigger, more stable competition. As debt mounts up, people inclined to bury their heads in the sand and hope that the problem will go away. However, hitting it head on will prove far more effective than ignoring it. Many people assume that creditors will file for bankruptcy against an individual or company if debts are not...
An IPO – Initial Public Offering is an event where a company sells its first stock to the public. IPO’s are basically are of two types – public and private. A privately held company has lesser number of share holders and they have maximum authority over the company. Whereas a publicly held company has a lot of shareholders and the company is more liable, accountable to the shareholders. The great thing about a large public IPO is that, anybody can invest and purchase its shares. The advantage is – since it is a new IPO, the share price would be...
In an economy where there is no guarantee of a job, it is up to you to be debt free and enjoy financial freedom. Credit cards are dangerous if you don’t know how to use it. Credit cards have made people go bankrupt. They have made people lose their homes, properties and what not. Why? Only because CC users were not aware of the mistakes, I call them sins, as they needed to be avoided at any cost. Today, you’ll learn some of the most dangerous mistakes that you must be away from. Read on… 1. Having Too Many Credit...
Apple is huge. In fact, it is one of the biggest companies in the world. But how did it become so big? A company that was once on the brink of bankruptcy witnessed such rapid growth that it is quite impossible to believe. If you’re running a business and are aiming to build a brand like Apple, then you ought to follow these 7 steps that I have found that made their business successful. 1. Focus Focus is what gets you clarity in your decisions. And clarity one of the most important aspects of building a successful business. The reason...
The relationship a small business owner forms with their accountant is an important one. A solid financial backbone will prepare any growing business for rapid expansion and the risks associated with it. So what should a small business owner look for in a small business accountant? Availability This doesn’t necessarily mean your accountants business hours but how quickly they can respond to your queries. Check the promotional blurb on the company’s website for any “24-hour reply” promises and so on… Accountants will rarely promise services they cannot deliver but by the same token they are under no obligation to offer...
Entering the world of Forex trading can be a daunting experience for anyone who has not previously been exposed to the workings of the financial markets. Forex terminology can seem like a foreign language to beginners. There are a variety of buzz words and common market terms that are used daily to discuss the state of the Forex market and the methods employed to trade within it. It can often be helpful to look over the general and more complex Forex market terms before immersing yourself in educational material. There are a few common buzz words that are worth familiarising...
Are you worried because you’ve not got the promotion you wanted? Does your manager always tap on your peer’s back when he does something and not on yours? Well, there are many like you. The problem does not lie in the work you do or your ability to excel, the problem lies in the way you leverage your skills and grow in a team environment. Learning the best ways to outperform your colleagues to become the darling of your manager and ultimately excelling at your life long company. Be Curious The proverb curiosity killed the cat doesn’t apply at your...
In an economy when everything – from real estate to stocks – looks gloomy, gold appears to be the most viable investment. Not because of its shine or because women love it, but because it does provide some great returns to its investors. The fact is, gold prices are not unpredictable like stocks and bonds and has witnessed stable growth. In fact, trends have shown that the prices of this precious yellow metal have simply surged in the last decade. And, it is going to continue to grow for several years to come due to: 1. Volatility in Stock Market...
Want to make big chunk of money without having to do data entry or any other tiresome job? The process is simple. It only requires you to utilize available resources to find unclaimed assets or money lying in your name in federal agencies in your state. According to the facts and figures related to unclaimed assets and properties in the United States, 7 citizens out of every 10 have some or the other type of unclaimed asset in their name, in different states. These unclaimed assets are in the form of bank accounts that are inactive, insurance policies, houses, tax...
The market is currently filled with energy saving products that make it easier for you to save power and use renewable energy sources. There is a wide range of products which can help you save money on your electricity bill. In this article we will present several of these products. The first on this list is the solar charger. The solar charger is a device that makes use of the sun’s energy to charge the electrical devices that are present in your house, without the need for DIY solar panels. You can charge many electrical devices like digital cameras, PDAs...
Have you ever been a tax defaulter? Did you ever have to face Internal Revenue Service (IRS) because of tax debts? If you haven’t been in a situation like that, consider yourself lucky. However if you’ve not faced such situations earlier, there are few terms related to tax debts implied by the IRS that you should be aware of. This will help you protect your property from getting seized against the owed taxes. Tax Lien and Tax Levy are the two terms that you need to know about. Tax Lien Tax Lien is an IRS claim against the property and...
Pertaining to the current global economic scenario, the job seekers around the world are crowding the employment market from one side, and from the other the market is pushed further by the people who lose their job because of downsizing. As a result, people like you and me are forced to look for other options; options that help us pay our everyday bills, options that allow us some good time with our family without worrying of the living expenses. One such option I’ve come across is Cash Loans Unemployed. It is something that could ease our tension, at least for...
Life insurance companies have the daunting task of insuring individuals who may or may not practice the safest or sanest of occupations, hobbies or extra curricular activities. Yet it is their job to do so at cost of course. It stands to reason that if you play with fire, you might burned and as such if your hobby is one that makes life insurance companies hearts skip a beat, your premium and overall rate might sky dive as well. Below we look at five fun and thrilling hobbies that some individuals take up that insurance companies are not so thrilled...
It is easy to talk to people about your products, but it can be challenging to get them to listen. Most consumers are bombarded every day by messages from companies that are trying to sell them something. As a result, there are many efforts to make a sale that fall on disinterested ears. How can you make someone want to listen up? You have to engage them. There is not one way to engage customers. The dynamic between a business and its customers varies from one business to the next. In many cases, companies rely on extensive market research to...
Just as it takes many small snowflakes to create a snowball, it takes many pennies to pay off thousands of pounds in debt. Snowballing debt is a debt reduction plan where you commit to paying a certain amount every month until you are debt-free. You don’t reduce your monthly payments as your debt decreases. This way those monthly payments take on a snowball effect. As your balance decreases so does your monthly interest charges. Your monthly payment then increasingly goes towards your principal balances. Much like a snowball that gets bigger and picks up momentum as it rolls downhill, your...
The world has changed. And so has the way of using your credit card. Whatever you do, your credit card score is the thing that is first checked. Your borrowing history is analyzed and what not. A bad credit score is a provider of much stress, tension and despair, especially for shoppers. But like all things good and bad, the reign of a bad credit will end. And there are ways you can axe it and start depending on your credit card again. • Without knowing what aspects of your credit card you need to fix, you cannot improve your...
Getting all the information together for a mortgage can be gruelling, especially when a mortgage lender tells you that their lending institution is unable to approve your property loan. This can leave you devastated and filled with disappointment. It’s natural to wonder why you were denied a loan. Lending institutions have stricter standards in place today making it difficult for consumers to obtain a mortgage. It’s important to do your research and educate yourself about how the lending process works so that you can look your best to prospective lenders. Here are five examples of why a bank may be...
Almost all of us start saving money when we start earning so that we can accumulate a handsome amount and use it to live our post retirement life in a lavish manner. If you are a government worker, you will have an automated monthly pension. But, if you do not want to be all idle in your retirement years then you can generate income in a way which is not hectic, is enjoyable and can complement your savings. As a freelancer, you have a treasure chest full of opportunities. We’ll look at six of those. 1. Be a Freelance Consultant...
As you might have heard, there are numerous advocates these days of the “debt snowball” method. This method entails paying of your various debts in order from smallest from largest. Here’s how it works: when you sit down to pay your bills, you lay out all your obligations from smallest to largest. Then, you pay the minimum balances on the larger debts while contributing as much as you can to the smallest balances. Once the smallest ones have been repaid in full you move on to the larger ones, in the process “snowballing” your debt by gradually tackling more substantial...
Student loans can bug you for a long time. You would take a student loan for getting an admission into a top university or a business school. But these educational institutions are expensive and paying off your loan debt can be a headache. And it so happens that after you complete your course and start working you wouldn’t be in a position to clear the loan debt. This is when more pressure is piled upon by the loan authorities. But there are ways of getting rid of your student loan. 1. Paying the loan amount on time is the simplest...
Before investing in the stock market you need to be well versed with two aspects of the market; how it works and how you can make it work for you. Understanding the stock market is necessary. Before you invest in any company, you must look at its current success and speculate its future growth and success. One must learn how to forecast profitable stock options and invest in them. In order to have a fool proof strategy, information about stock option trading is necessary. There is a lot that you can do with the stock options at your disposal. It...
