Home » Archive by category "Company Financing" (Page 3)

How safe is Apple Pay?

Apple pay seems dodgy doesn’t it? You simply touch your mobile phone to a card machine and boom, your payment is successful. It’s changed the game, and it’s probably going to be the future. That said, as it’s only very recently been rolled out, people are doubting how safe it really is. With the amount of geeky techno hackers around, would it be very easy for someone to spend your money if they found your phone? Well, in short the answer is yes. If you don’t have a secure phone pin, they may be able to get in and use your phone to buy a product or service. That said, they can do that with your bank card, so it’s just a case of cancelling your accounts should you lose...

Registering as self-employed

When we mention the term self-employed, its normal for many people to presume we’re talking about an individual who owns their own company and essentially runs their own business. That’s true in some cases, but the minute you start earning regular money outside of employment, you’re self-employed in the taxman’s eyes. That is why you need to register for self employment as soon as you start earning a bit of money on the side, and it’s certainly worth doing if you’re planning to pick up even more work in the not too distant future. once registered as self employed, you will then need to submit annual self-assessment forms outlining all of the money you’ve made from outside of work, and it can be wise to hire a professional accountant to...

Budgeting for the year ahead

Saving money isn’t easy, especially as we near the end of the year. That’s why it’s no surprise that many people are already looking forward to 2016! If your new years’ resolution is to save as much money as possible, it’s important to make sure you’re prepared. We always recommend that people plan a budget for the year ahead, and you don’t want to get to February or March having found you’ve spent way too much. Create a plan now, working out the amount you earn and the amount you want to save each month. When it’s all down on paper, it’s a lot easier to find ways to save , and the more time you spend crunching number, the less time you’ll spend wasting money! Budgeting can help you...

Freelancing – The financial difficulties

No matter how skilled you are, you have to be good at business to make it work. You could be the best copywriter, web designer or photographer in the country, but if you can’t pick up the clients or sell your services at the right price, then you’re going to struggle. There are often sudden dips in earnings for freelancers, but the more clients you pick up, the more security you gain. You can, however, charge clients a retention fee. This basically means that they can call on you at any time, and you will be ready to provide the service. They’re essentially ‘retaining your services’. This is something you should look into if you manage to find a good number of interested clients. Remember a good service goes a...

Payday Problems for HSBC Customers

Thousands of people with HSBC accounts have not been paid ahead of the bank holiday weekend due to a technical glitch. Around 275,000 payments to HSBC business customers have been affected. The bank are still investigating, though it is thought that the issue is linked to the national Bacs system. This means that other banks may also be affected, though it looks at the moment to be limited to HSBC. Customers began to notice problems earlier this morning when payments failed to be made into their accounts. Numerous customers have reported struggling to get through to HSBC to ask for further advice, and many have been using social media to notify the bank of their difficulties. HSBC were originally not aware of the issue when customers began reporting problems at...