RBS & the Business Banking Switch

What is the Business Banking Switch ? State owned bank RBS is preparing to hand over £6 billion in customer deposits and £4.2 billion in loans to *challenger banks. This was a condition of the bailout RBS received back in 2008; another was encouraging 120,000 business customers to switch. The government hopes this will increase competition...

The Making Tax Digital Timeline 2015 -18

Are you still a little fuzzy when it comes to Making Tax Digital– what’s it all about and does it affect your business? Fear not, as we’ve condensed all our MTD posts from the last two years into one Making Tax Digital Timeline. If you just want to know where things are up to presently then skip to...

SHOULD YOU INCORPORATE YOUR BUSINESS?

Recent tax changes have made it even more important to consider whether it is best to trade as a limited company. We are regularly asked, ‘should I incorporate my business?’. The reality is that there is no easy answer. Each situation has to be judged individually. As well as the obvious issues of tax and...

RECEIPT BANK FOR RAWCLIFFE CLIENTS

At Rawcliffe & Co we are always looking for ways to make our clients’ lives easier. Our latest initiative is Receipt Bank, the award­-winning app that automatically converts all your invoices and receipts into data, making it easy for you send your financial information straight to us.     With Receipt Bank’s easy submission methods you’ll never...

Why should I consider Critical Illness Cover? by NWFS

Most people recognise that it is a good idea to have some form of life assurance to protect their family and loved ones if they should die prematurely. But what about if you were to suffer a serious illness and survive? Most people believe that these types of situation will never happen to them, in...

Health & Safety Systems: Lack of Adequate Investment can be Costly

When we talk about health and safety at work, with particular emphasis on understanding the importance of it, conversation quickly turns to the ‘human’ element behind it. For instance, our thoughts are dominated by statistics like these (taken from the HSE website): • 3 million working people suffering from a work-related illness in 2014/2015 •...

Exit Stage Left: Business Plans & Exit Strategies

All too often in my position I am dealing with well-established businesses that are either looking for Commercial Guidance; whether that be financial or just as a trusted advisor for a business related decision that needs to be made. Part and parcel of this is asking the difficult questions or in some cases trying to...

Professionals within the Broker Market : by NWCS

Professionals within the Broker Market The Broker market has grown exponentially over the last decade and there is a significant reason for this. It is now 10 years since the start of the credit crunch. On the 9th of August 2007, The European Central bank and The US Federal Reserve took emergency action and injected...

Health and Safety Management

Just like you will service your car on a regular basis, it is equally important to service and maintain your Health and Safety Management Systems just to make sure that they are current and still fit for their intended purpose. Health and Safety Policy ( for those of you who have 5 or more Employees)-as...

The Rise of Peer to Peer Lending

There was once a time when peer to peer, Investor market and Crowd Funding loans were once considered to be the last chance saloon. Unchartered waters only the bravest would explore when all other options had failed. Then the crisis in 2008 set in motion a gigantic financial shift that caused customers to venture away...