Introduction

Over the next few weeks we will be transferring articles from the original Wising UP! magazine (and the current website www.wising-up.co.uk) to these pages.

We hope that this will encourage our authors to add to the great contributions they have already made – it gives them a chance to keep their articles current and it gives you the opportunity to add to the articles and information held here, without having to go through the core vetting that our original articles all experienced. We are hoping that the immediacy of this system will give all our authors, contributors and users greater freedom!

Small firms hit by government stealth tax

The flat rate VAT charged by HMRC to small companies has risen in just under half of all business sectors, according to data released by the Federation of Small Businesses (FSB).

Flat rate VAT is charged to the smallest businesses with a turnover of less than £150,000 and aims to minimise the red tape around administering VAT.

“When VAT was lowered in December 2008 many rates stayed the same and some were reduced by up to 2.5%. What has become apparent is that after VAT was put back to 17.5% in January this year, nearly half of the flat rate schemes have seen the VAT level rise above the pre-decrease level,” said John Wright, National Chairman of FSB.

“While a few sectors have seen a decrease, the majority of businesses will see their rates rise, which is unacceptable at a time when cash-flow is limited. The FSB believes that this is a stealth tax, which will affect a firm’s overall profitability.”

Business Advice for all UK firms from starting a business to flotation  -  Banking & Finance, business advice or business startups and starting a business. Article from http://www.newbusiness.co.uk

Becoming a Nordic Walking Instructor


Having taken up Nordic Walking nearly a year ago because of pain in my leg from an old skiing injury and after completing a number of long distant walks in 2009 (Oxfam Charity Walk – 26 miles, and  Pathfinder March – 46 miles, to name just two), I became hooked on walking with poles – NORDIC WALKING.

My introduction to Nordic Walking started when I attended a number of walking classes organised by Neal and Mel Thomas of FitHaven (www.fithaven.co.uk).   After skiing using Nordic Walking poles was easy for me but it does have its challenges, so it is always advisable to have instruction with a qualified instructor who can advise and correct your technique.

Having benefited from Nordic Walking, seeing other walkers losing weight, getting fitter, and just having fun. I decided in December 2009 that I would like to become an Instructor, and signed up to attend an INWA (International Nordic Walking Federation) Instructors Course conducted by British Nordic Walking.

My course was held at Nottingham University Sports Centre with Catherine Hughes (National Coach for England). The course consisted of two days intensive training and teaching, culminating on the second day with a written test and a practical assessment of the students teaching each other the techniques and benefits of Nordic Walking. The course leads to a qualification as an INWA Nordic Walking Instructor where students learn to teach Nordic Walking safely and effectively for health and fitness.

The course covered the understanding and history plus benefits of Nordic Walking.   Students had to demonstrate good personal techniques, planning and delivery of a safe session, teaching the 10 steps of Nordic Walking, developing observation skills, use of corrective drills and finally teach dynamic warm up and cool down exercises.

Nordic Walking uses specially designed poles to enhance your natural walking experience.   With a technique that is similar to the upper body action of classic cross country skiing, Nordic Walking becomes a genuinely whole body exercise that can be enjoyed at many levels, from walking for health to athletic Nordic running. Globally, more that 10 million people enjoy this outdoor activity all year around and it is growing weekly.

I am passionate about Nordic Walking and wish to see more people enjoying the benefits of this activity.  As a qualified INWA Nordic Walking Instructor I will be organising Introduction/Basic classes in the St Ives, Huntingdon and Fenstanton area, so keep looking as I shall be posting start dates and timings soon….

Mervyn S Foster

INWA Nordic Walking Instructor

NordicWalkingCambs

mervyn@nordicwalkingcambs.com or  Tel:   01480 878111

DON’T COUNT YOUR CHICKENS!

 Robert Ashton, is an entrepreneur, and challenging
 business author.  His books including 'How to Sell'
 are published by Hamlyn.  Visit www.robertashton.co.uk
 to find out more.

 Robert kindly agreed to contribute a regular column
 to ‘Wising UP!’ so this was the  first of of our
 “Ten Ways...” series from the first issue of Wising
 UP in 2003! - as useful now as when first published.

It’s all too easy to assume that everything’s going to turn out just fine. But the wily entrepreneur makes sure he’s chosen the right eggs to sit on. Here are ten ways you can be  sure you’re hatching winners!

  1. RESEARCH YOUR MARKET There are very few truly original ideas. Someone, somewhere will be already doing what you’re planning. Make sure your idea looks different and stays different.
  2. ASK A FRIEND Bounce your business ideas off someone who’ll tell you straight if they think the idea’s a runner or not. Some advisors tell you what you want to hear. Seek honest feedback.
  3. STOCK THE FRIDGE Investing in a new business, product or service always takes longer than you think. Make sure you can afford to eat as you wait for the payback.
  4. SHARE THE WORK Cuckoos lay their eggs in others’ nests and let them do the work. Who could help you incubate your new idea? Ask Business Link for ideas.
  5. USE A RULER Benchmark your progress against that of others chasing the same market. You could be doing well, but still be underperforming against your rivals and therefore capable of achieving more.
  6. ROTTEN EGGS SMELL BAD Some ideas won’t hatch. Accept this, carefully and quickly ditch the losers and focus on your winners. Losers are like bad eggs, the longer you keep them, the worse they get!
  7. BE FLEXIBLE Customers occasionally use your product or service in ways you never envisaged. Celebrate their innovation and use it to win business elsewhere
  8. RIDE THE STORMS At times, incubating your new idea will be very uncomfortable. If you’re sure it’s a winner, sit tight and wait for the sunshine.
  9. FEED YOUR CHICKS Once hatched, new business ideas can devour resources at an alarming rate before becoming profitable. Another reason to focus on winners.
  10. EMPTY THE NEST Could you do better if you started all over again? Never rule out selling your venture to free up the time and capital to do it a second time. Always know what your business is worth.

Collaborative Law – The New and Dignified approach to Divorce

Lyn Brisley, a family law specialist at Buckles Solicitors LLP, explains this new approach to divorce that has arrived from across the Atlantic in the USA.

Most people appreciate that pursuing a divorce can be a stressful and bitter experience. Dividing assets and sorting out the arrangements for children, can generate unpalatable litigation which is expensive and undignified.

The collaborative law process provides a fresh approach to divorce and is designed to promote agreement between husband and wife on varying issues, for example, how the assets should be divided and how arrangements for the children should be organised. This is all done without the stress of going to Court.

Collaborative law should be suitable for the majority of couples where there is some disagreement regarding a whole host of arrangements pursuant to the breakdown of the marriage, but where there is nevertheless a willingness to try and reach an agreement.

Where there is a genuine desire to find a solution as well as a willingness to be open and honest, couples sign up to a contractually binding agreement, ensuring that neither of them litigates through the Court. The “Participation Agreement” is signed by the acting solicitors and clients alike at the first “four way meeting” between the clients and their solicitors. The Participation Agreement explains all the process involved.

The solicitors and their clients attend a series of “four way meetings” where they meet up to discuss a variety of issues. Agendas are set, full and frank information is shared which paves the way for structured discussion.

The beauty of collaborative law is that it deals with difficult matters in a non-confrontational, non-litigious manner. The parties themselves remain in control of what is important to them and are free to openly negotiate with the assistance of their solicitors around the table. All those involved, solicitors and clients alike, are encouraged to keep an open mind and facilitate discussion for both sides, while providing sound legal advice for their client en-route.

With Collaborative Law, an air of dignity is maintained, and more often than not a working relationship with ones ex-spouse is maintained which is particularly beneficial for the children if relevant. Constructive solutions to personal difficulties can be proffered by either solicitor involved, as the lawyers do not partake in a “head to head” or entrenched conduct.

Collaborative law is growing in popularity here in Peterborough, and more and more solicitors are being trained and are committed to this approach. It is understood that just over 1,000 lawyers nationally are accredited with this expertise. This is a client and solution based process.

For more information on this story or any other family legal matter, please contact Lyn Brisley at the Peterborough office of Buckles Solicitors LLP on 01733 888841 or email at lyn.brisley@buckles-law.co.uk

Apologies for our unfortunate absence last week!

With thanks to the sympathetic reader who forwarded this item to us – and with apologies to all our subscribers who have been without us for a week, while our server technicians struggled to return us to some sense of normality !

After going through a virus attack,
Losing a hard drive,

Fighting off hackers,

Upgrading all my software,
Installing fire-walls,
losing all contact with my server and website for a week,

And a host of other problems…

I have fixed my computer…

And NOW it works exactly the way I want it to!

See picture below

Not very pc !

Small firms adapting to downturn

From www.newbusiness.co.uk 24th September 2009

Over 70% of small businesses in the UK have developed creative solutions to strengthen their company during the recession, according to research commissioned by the Department for Business, Innovation and Skills.

The study shows that 77% of small companies have adapted their business to cope with the downturn with 26% adjusting working hours, 33% investing in additional staff training and rewards and 65% exploring new product areas.

Just under 50% of respondents that made changes to their business did so to take a pro-active approach to the challenging economic climate and 37% said it was so they were ready to capitalise on the economic upturn when it occurs.

“In the face of a global downturn small businesses have developed and applied practical changes to get the best out of their people and enhance their business,” said Lord Young, Minister for Employment Relations.

£6 tax for broadband ‘will be law’

Moves to push a 50p a month broadband tax through Parliament before the general election sparked fury last night.

Stephen Timms, Treasury minister in charge of the Digital Britain plan, yesterday revealed he will introduce the law in the next Finance Bill.

Mr Timms said: “It is vital for jobs and growth that Britain has a world-class digital infrastructure.”

The £6-a-year levy on fixed phone lines – generating up to £175million annually – will subsidise next generation broadband networks in areas where they would not otherwise be viable.

But Jeremy Hunt, shadow culture secretary, said: “Slapping on a broadband tax is an old economy solution to a new economy problem.”

And Steve Weller, from uSwitch.com, said: “We are dismayed. If the Government truly intends to tax home phone users to fund the universal roll-out of broadband, this is a classic case of robbing Peter to pay Paul.”

Article from Daily Mirror – By Allison Martin 24/09/2009

Do you use rental cars in your business?

Avis Duty of Care White Paper

FACT: 200 drivers are killed or injured each week whilst travelling on company business

That’s a chilling figure, but the law of averages says that many of these drivers will be working for SMEs simply because they employ more people than any other sector of UK corporate business.

Research has consistently shown it is the SME sector which is least aware of the responsibilities facing employers around their driver’s safety and for that reason puts them most at risk of prosecution, if an employee is involved in, or causes a major accident whilst driving on company business.

SMEs, just like large corporate companies are expected to adopt a road safety policy, even if they only have a few employees driving on company business to ensure they protect themselves against possible prosecution.

The latest Corporate Manslaughter and Corporate homicide Act 2007 legislation was introduced to ensure companies focus on their employee safety and a jail sentence is possible if directors haven’t done everything possible to manage their driver’s safety.

Avis has researched all the key aspects that an SME should consider when developing its own Road Risk policy all in a single document. It is full of well rounded advice for SMEs to help them begin their own policy and ensure they meet their Duty of Care obligations.

Avis has also put into perspective how daily rental can help an employer when providing an employee with a car from a day to a period of a few months.

Avis has split its advice into four major areas:

  • What is Duty of Care?
  • The Legal Element
  • The Human Element
  • The Vehicle Element
  • The role of Daily Rental

Go To the following website to read more of this worrying report

http://www.avis.co.uk/BusinessServices/Avis-Business-Solutions/Avis-Business-Articles/Duty-of-Care

Cyprus 2007 on holiday

Cyprus in the eastern Mediterranean, takes its name from the Roman word for Copper and is a delightful Island southeast of Greece and south of Turkey.

 This holiday, which was in June when the temperatures were rising for Summer, came about as a last minute booking.  I was speaking to my friend late one evening, saying I was ready for a holiday, then found myself on a flight at 11:00 the following morning arriving at Larnaca in the late afternoon.  I was also informed by my friend that it was ‘hot and sticky’ and to a degree (33) this was true though I have been ‘hotter and stickier’ back in London on the odd occasion.  Having arrived we then drove around Larnaca in order to get home and found that the traffic could put Oxford Street to shame.

beach view

One of the Beaches at Akrotiri looking across the Bay.

Being only a week holiday it did not leave a great deal of time to go ‘sightseeing’ or even spending a weekend elsewhere but I enjoyed the time and, most certainly, the company.  My friend and her family live ‘behind the gates’ in RAF Akrotiri and I wandered fairly freely around the base with the obvious restrictions of the Military Areas and there was the NAAFI and a few small shops, one of which, Helena’s Clothes, is where I have bought quite a few casual shirts.  We also went to Pafos where, amongst other things, we had an evening meal at ‘The Pelican’ along the quayside near the Crusader’s Fort and I will quite happily say that ‘The Pelican’ does lay a very nice table.

 It is evident that the temperatures get hotter towards August and then gradually after 6 weeks of intense heat, begin to cool down towards the November rains and with this in mind one should dress according to the climate and the temperature.  I think the fact that I am on holiday and casually dressed may have something to do with my not ‘feeling the heat’ for the temperatures are certainly in the 30’s although there is a breeze (and ceiling fan) which does take the edge off.

lemesos

Lemessos, a walk alongside the Bay towards the Centre of Town.

I think that if you dress sensibly then there should be no problems, I saw a ‘Tourist’ walking down a street in Pafos, licking an ice-cream, who was topless and wearing Nylon shorts which were clinging to the inside – not a pretty sight – nor I imagine all that comfortable.

I have a collection of shirts which are Rayon, Poly Cotton and Cotton, the best fabric for trousers is Cotton and any shirt of the materials mentioned should be all right provided they are larger than you would normally wear, for instance, I am a ‘Medium’ size whilst most of my shirts are ‘XXL’ which means they do not ‘cling’ even when buttoned and worn outside the trousers.  Cyprus is not an Island for the ‘Fashion Conscious’ it is an Island to enjoy and where you can enjoy yourself for the ‘Locals’ are friendly, polite and courteous – certainly in my experience, having – as they do – ‘first-hand’ experience of the British, we were the last Nation to occupy Cyprus (aside from the bits still Turkish occupied since 1974) though they are not as bitter about us.  It is also to be sincerely hoped that the two communities can get back together and resolve any ‘problems’ they feel they have.

 If you have never visited the land of Aphrodite you are truly missing out on an experience and it is an experience well worth enjoying, for the Cypriots are, as I have said, a friendly people, the food is excellent, the weather is gorgeous and the welcome is always warm.

If you are travelling with adults then it should not particularly worry you what time of year you visit as the Island enjoys around 300 days of sunshine, and I have not seen clearer – or bluer skies anywhere.  On the other hand, if you have children then perhaps it is best to come when the ‘Theme Parks’ and ‘Fairground Rides’ are open offering cool water and shade – you will still be welcome.

poolwind

A Hotel poolside in Kyrenia                    Windsurfing in Akrotiri Bay

2010 International Council for Small Business Conference

ICSB 2010 World Conference
Date: June 24-27, 2010
Venue: Hilton Cincinnati Netherland Plaza, Cincinnati, Ohio USA
http://www.icsb2010.org

“Entrepreneurship: Bridging Global Boundaries”

At least 300-500 participants from over 70 countries are expected to attend

Deadline for Submissions 15 February 2010
Early Registration Deadline 30 April 2010

We invite you to submit papers, case studies, workshop and/or symposia
proposals that deal directly or indirectly with
:

  • Entrepreneurship Education
  • Individual Entrepreneurship
  • Women and Minority Entrepreneurship
  • Small Business and SME’s in Developing Economies
  • Public Policy
  • Entrepreneurship and Technology
  • Family Business
  • Corporate Entrepreneurship
  • International Entrepreneurship
  • Entrepreneurship in the Arts
  • Entrepreneurship Across the Curriculum
  • Social Entrepreneurship
  • Additional topics of interest and value to ICSB’s membership

Contact Us:

University of Cincinnati Center for Entrepreneurship Education & Research

Charles H. Matthews, Ph.D.
Professor and Executive Director
Center for Entrepreneurship Education & Research
College of Business
University of Cincinnati
Cincinnatio, OH 45221-0165
Phone: 513-556-7123
Fax: 513-556-5499
Email: charles.matthews@uc.edu

ICSB 2010 Conference Secretariat
Katy Roberto Marston
Program Manager
University of Cincinnati
P.O. Box 210031
51 Goodman Dr. Suite 200
Cincinnati, OH 45221-0031
Phone: 513.558.1810
Fax: 513.558.0385
Email: katy.roberto@uc.edu

ICSB International Office

The George Washington University School of Business
2201 G. Street, NW
Funger Hall Suite 315
Washington, DC 20052 USA
Phone: +1 202 994-0704
Fax: +1 202 994-4930
E-mail: icsb@gwu.edu
Web: www.icsb.org

Extracted from http://www.icsb.org