Author: Danielle
With the days getting longer, lots of homeowners are getting that itch for the big spring clean. But if you’re a pet owner, that offers some unique challenges to overcome. April is National Pet Month and Laura Carter from online retailer Furniturebox has some top cleaning and styling hacks for how to stay tidy when you have got a house full of fur. 1 Use shaving foam to clean stubborn pet stains – cover the stain with foam and then leave it for 20 minutes before wiping away. White shaving foam is great for stains on fabric carpets and upholstery…
Cybercrime is a growing threat for all UK businesses. From ransomware attacks to data breaches, organisations are being targeted more frequently and with greater sophistication. Small and medium-sized businesses (SMBs) are even more at risk since they lack the resources of larger corporations. If you’re a business owner, or are responsible for IT in a company, read on to understand which risks are the most prevalent, and how to protect your workplace from cyberattacks. Cybercrime against businesses on the rise Smaller businesses often assume that cybercriminals won’t bother with them – after all, they don’t have the financial assets or…
Investing is a powerful tool to grow your wealth over time, but once your investments start to show significant returns, the question arises: What should you do with your gains? Should you reinvest them to continue growing your wealth, or should you use some of the money to improve your lifestyle and quality of life? The answer isn’t straightforward, as it requires balancing short-term enjoyment with long-term financial growth. Spending on Quality of Life: Enhancing the Present While reinvestment is essential for long-term wealth building, it’s also crucial to strike a balance between growing your assets and improving your current…
Investors constantly look to the future, seeking opportunities in shifting market landscapes. Accurately forecasting trends enables informed decisions today and directly shapes investment success tomorrow. As we approach 2030, significant technological, economic, and cultural shifts promise to redefine the UK’s investment horizon. Below, we explore five key predictions that could shape UK investment strategies over the next decade, examining their potential impact, risks, and actionable advice for forward-thinking investors. 1. Cryptocurrency Integration into Traditional Investment Portfolios Cryptocurrencies have transitioned from niche speculative assets to legitimate investment vehicles. By 2030, cryptos like Bitcoin, Ethereum, and various stablecoins may become standard components…
Starting April 6, 2025, UK businesses will see a rise in National Insurance (NI) expenses as part of upcoming tax changes. The employer NI rate will increase from 13.8% to 15%, while the secondary threshold—the earnings level above which NI contributions are required—will drop from £9,100 to £5,000 annually (£417 monthly). These changes mean businesses will incur higher payroll costs for employees earning over £5,000 per year, impacting overall operational expenses and financial planning. Novuna Business Cash Flow, a leading provider of cash flow finance solutions to SMEs and corporate entities across the UK, have produced an up to date,…
Open Property Group recently looked into the continuous increase in house prices across the country. Over the last 12 months, every region in England experienced at least a 3% increase in house prices, except London which was the only region to experience a decrease in inflation. In comparison, annual salaries increased 5.6% in the last 12 months across England. This presents the question: ‘Are house prices finally becoming more affordable for new and existing homeowners?’ – Yorkshire and the Humber house prices increased, on average, by 6.5% – North East house prices increased, on average, by 5.6% – North West…
Liverpool, with its rich history and diverse property market, has been a focal point of both regeneration and decay in recent years. While some areas have enjoyed significant improvements, others still face numerous hidden property problems that could catch potential buyers or investors off guard. Understanding these issues is essential if you’re planning to buy property in the city. So, let’s take a closer look at some of the areas that have the most concealed property issues. 1. Toxteth and the Welsh Streets Toxteth, particularly the Welsh Streets, is an area notorious for its hidden property problems. These Victorian-era streets…
As we enter a year of consultations and regulatory change for DC schemes, TPT’s Philip Smith discusses their impact on the future of workplace pensions in the UK. “2025 is set to be a very busy year for defined contribution pensions. Schemes will have to navigate a wave of consultations and reforms over the next 12 months that could transform the future of workplace pensions. The most significant reforms are likely to come from the Government’s Pensions Investment Review. While the second phase of the Review is rumoured to be on hold, the first phase may force more consolidation in…
As it’s an industry with global reach, wine distribution can be significantly impacted by currency fluctuations. These fluctuations could erode your margins or, if managed wisely, enhance them when importing and exporting your wines. Understanding foreign exchange (FX) risk and knowing how to balance the risk is essential if you want to maintain financial stability and ensure your business thrives. Understanding FX risk When any business in any industry engages in international transactions, it’s exposed to FX risk. This is the possibility that currency value changes will affect costs and revenues. For wine distributors, this risk occurs when buying wines…
