Making Your Money Work For You

Making Your Money Work For You

Making enough money to sustain your family and your business is hard. No way around it; it’s a simple fact of life. In today’s ever-fragile economy, practically nobody is safe from the effects of coronavirus on the world economy, and jobs are more at risk than they have been since the 2008 financial crash. Due to this fact, many business owners are paring down and becoming more careful, more frugal, and playing it safe. While playing it safe is sometimes necessary to achieve your goals and stay financially risk-free, making your money work for you takes guts, and isn’t for the safe-players.

What Does ‘Make Your Money Work For You’ Mean?

Making your money work for you means investing it. Money invested in assets means it can expand as the asset accumulates value. Take your home, for example. When you bought your home, it was worth what you paid for it. In ten years’ time, with good maintenance and the occasional renovation, it will probably be worth more. You have invested money in an asset which has then grown in value, and therefore the money you earn from selling the house will turn a profit. This is called return on investment or ROI. Your wealth has built up over time, simply by being invested in a valuable asset.

How Do I Invest If I’ve Never Done It?

Your home is only one example of a plethora of investment opportunities out there. Investment in assets doesn’t stop at homeownership; assets can also include land, cars, jewellery, or shares in a company. Many people own shares in the company they work for or have strategically invested in small businesses which are on the rise. Take Netflix, for example: if you had invested $990 in Netflix shares when it went public in 2002, you would now be sitting on $340,956. You didn’t go out and graft for that money, it simply increased over time, as the value of the company it is tied up in began to rise.

Of course, it’s not usually that simple. Buying shares or investing in cryptocurrency such as bitcoin, for example, is a risk. You are not guaranteed to get any return on investment, and if the business fails, you will lose money. That is why those new to the business should take advice from companies who use safe channels, such as Forex Trading, to invest. As well as this, it is important to start small, building up your investments once you gain experience and knowledge in your field of investment.

How Do I Get Paid From Investments?

This depends on the type of investment you have made. If your home is your investment, you will be paid either by selling it or letting it out to a tenant. If you buy shares in a company, you will be paid each year in dividends. Stock and cryptocurrency investments fluctuate, and depend on the channel you invest through.

Making your money work for you is an incredible way to sustain your income and help you achieve your financial goals!

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5 Ways To Protect Your Employees During These Unprecedented Times

5 Ways To Protect Your Employees During These Unprecedented Times

Running a business has never felt tougher. The coronavirus pandemic has caused a great deal of disruption to companies in virtually all sectors. While those issues have impacted various aspects of the ventures, protecting people is one of the biggest challenges. Aside from the commercial elements, it’s a matter of human and social responsibility.

Here are five simple but effective ways to ensure that your employees are cared for. In turn, this should work wonders for their morale and productivity levels too.

1) Consider Remote Working

Thousands of businesses have used remote-based employees in recent times as a direct response to COVID-19. Even if it is now possible for things to return to how they were, the remote working model may be for the best. When employees work from home, they cannot spread the virus. Moreover, having a percentage of the workforce ‘off-site’ allows you to keep in-house teams safer too. After all, social distancing is a lot easier to practice when ‘on-site’ teams are reduced by 50%.

2) Invest In The Right Equipment

When dealing with health and safety on your work premises, prevention is the best form of protection. Finding wholesale face masks for sale instantly increases the company’s hopes of containing the virus. Crucially, it’s a key step to keeping staff members in a positive frame of mind. Additional PPE items may be purchased to upgrade the protection levels. Anti-bacterial gels are another particularly wise investment. They will help clients and visitors as well as your staff. Do not underestimate their worth.

3) Upgrade Digital Security

Whether it’s on-site staff or remote workers doesn’t matter. The percentage of business interactions taking place via modern tech is greater than ever. This is something that cybercriminals are actively trying to target. Not least because they know people are unprepared. This transition towards a different way of working has caught a lot of businesses. If yours fails to implement the right firewalls, password management, and security features, it could fall victim to an attack. Be sure to make training a key concept too.

4) Reduce Customer Interactions

Client interactions will be one of the greatest threats to your sales staff. While this cannot be an excuse to abandon good customer care, you can adapt to the situation. Using mobile POS terminals with contactless payments is vital. It instantly cuts down on the need to handle money or get too close. Other features may include an online or telephone booking system for restaurants, dentists, and any service. It protects guests and staff members alike. If it’s a change you’ve been considering, now is the time to do it.

5) Invest In Sanitisation

Putting the right PPE tools and precautionary measures in place will reduce the risks. Nonetheless, it’s imperative that you take the right steps to remove any presence of the virus from your workspaces. Chemical cleaning and sanitisation must become a part of your daily operations. There are plenty of companies that can do this for you, although in-house management is often equally as good. Either way, it should be supported by habitual changes like binning tissues immediately.

Do these five simple things, and your employees will feel safer than ever.


How to Start a Side Hustle With Little or No Money

How to Start a Side Hustle With Little or No Money

So, you want to start a side hustle, but you just don’t have the cash for it. Don’t worry, you’re not alone. There’s a lot of people who all struggle to get their side hustles going because they don’t have a lot of capital to back up their venture.

It’s not the be-all and end-all though. Truth be told, you can still have a perfectly good side hustle with little or no money to use – you just have to know how to be clever about it. Thankfully, we’ve got some top tips.

Check For Free Platforms and Resources

A lot of people do something which involves a skill. That much is fairly obvious – your side gig needs to be profitable, therefore you need to know vaguely what you’re doing.

Thankfully, if you’re dealing with a quantifiable skill, then it’s a lot easier to try and make it all work. What a lot of people don’t realise is that there are a lot of free resources out there. Websites, free platforms, places where you can get yourself started. There’s a lot of places like these out there on the web, and they’re all ready for you to join.

Assess What You Need to Work

Understanding what you need to actually work on your side hustle is so important.

Let’s look at a specific example. If you were a writer, what would you need to get started writing blogs or articles for people? Well, you’d need a way to type your content out – Google Docs is free to use and has a word processor.

It’s all about knowing what you need to work and finding it. There’s enough free resources for people to get going with pretty much any side hustle, so long as they’re careful about what they look for.

Build a Network 

Networking has always been an important part of any career choice, and just because you are doing something smaller on the side, that doesn’t mean that you should stop networking.

If you take the time to build a network that will provide you with business contacts, then it’s possible to get things without having to spend masses of money. Offering one service in exchange for another is mutually beneficial to both parties, so building up a network of contacts is never a bad idea.

In conclusion, the amount of money that you have available to you does not dictate how well your side hustle will perform. It’s very easy to get started on a side gig without having vast amounts of capital to put towards it. It’s just about being clever and analysing potential opportunities as they come out. There are numerous free resources on the Internet which are frequented by thousands of people every day, and they can be just as effective for you as they have been for them. It’s just a case of taking the time to look at these resources and see if any of them will be useful for your needs.

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The 4 Tools You Must Have To Run Your Business Remotely

The 4 Tools You Must Have To Run Your Business Remotely

Until the Coronavirus pandemic, the idea of running your business remotely was an after-thought. You liked the freedom it provided, as well as the flexibility and independence, yet you preferred to keep employees in-house. After all, it suits most leaders’ management styles – it’s easy to communicate and inspire confidence in-person.

Of course, in times of a crisis, you don’t have any choice. If you want to survive, you must adapt and operate differently, and currently, this means managing your team virtually. While it’s tough, it’s not impossible to be successful as long as you invest in the correct tools.

Continue reading for more.

Managed IT Services

Working remotely during a crisis is similar to running a website – it can’t go offline. Once you experience downtime, you’ll lose your ability to lead and ensure your employees are productive. Not to point the finger at your staff, but it’s easy to slack off when you realise that your boss can’t keep tabs on your workload. The likes of Innovated IT offer popular solutions, yet you might not believe that you require an outsourcing service. You do, especially if you don’t have any expertise or experience in the sector. Even something as simple as integrating common software programs is challenging.

Video-Calling Programs

One of the reasons that video-calling programs are critical to remote-based companies is the fact that they maintain morale. This Forbes post points out that 87% of remote workers feel they are connected to their employers through video conferencing, which is a significant figure. Of course, choosing which software to implement isn’t a walk in the park. The key, regardless of whether you opt for Zoom or Microsoft Teams, is to train your employees. If you wing it and attempt to figure out the software over time, it’ll only lead to unnecessary glitches.

The Right Workers

Sadly, some people are going to lose their jobs because a global health and economic crisis isn’t without casualties. As tempting as it is to sack or make redundant the people who will save the most money via their salaries, you should take the opportunity to remove the employees who aren’t the perfect fit. You’re going to require workers with the right attitudes that are ready to pitch-in and sacrifice for the cause. Anyone who isn’t prepared to lend a hand isn’t going to make working virtually straightforward. You can analyse their personality traits with this Inc list.

A Can-do Attitude

Things are going to be tough for the foreseeable future. Nobody says it will be easy; however, you shouldn’t let this get you down. Just because processes and procedures don’t work to begin with doesn’t mean they won’t become smoother and less hassle in the future. You have to work hard and attempt to gauge the features and properties that make life worse. That way, you can eliminate them and (hopefully) see the light at the end of the tunnel.

Keep your head up as there will be issues, but you will surmount them with time.

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3 Money Management Tips For Business Owners

3 Money Management Tips For Business Owners

So, you’re a business owner looking to make some smart choices with your money.

Don’t worry too much about it. We’re all in this position. Running a business can be challenging when you’re not being sensible with how you manage your money.

To make the right decisions, you need some good tips. Luckily, we’ve got just the ones for you. Let’s take a look at some of the best options out there.

Make a Business Budget

The very first trick is just to budget. This may seem quite simple, it may even seem quite obvious, but the number of people that do not budget when they need to is astronomical.

At a very fundamental level, you need to have a business budget. This is a budget where you plan the business expenses, not just the cost of living. It’s probably a good idea to treat your business as a completely separate entity to your other finances because there will be different rules and regulations in place.

Assess Needs and Wants

When looking at how best to spend money, it is probably important to sit down and look at your needs and your wants.

See, every purchase can be broken up into two different categories – a need and a want. It’s all about not getting the two mixed up and giving yourself the breathing room that you need. It’s important to make sure that you start to get the best possible options, and decide if you need or want something – it’ll make a big difference in the long run.

Find the Creative Solution to Problems

It’s pretty important to make sure that you try and find a creative solution to problems where you can. It can be pretty difficult sometimes to try and justify making a big purchase or spending a lot of money.

This is where it really does pay to try and find a creative solution to some of your problems. It’s all about how you can come up with the ideas and options which are going to be cost-effective and solve the issue.

For example, fixing a computer might be as simple as going to get a component repaired instead of buying a new one outright. It’s this kind of sensible thinking which will give you the best kind of options for the future. Get creative!

In conclusion, there’s a lot of different things that you can do to make sure that you manage your money a little better as a business owner. Our first instinct is often to spend, which is crazy. If you’re going to be sensible and pragmatic about things, then it’s easy to get yourself the type of experience that you need. If you’re clever about things, then you can probably come up with the best options possible. If you think before you make a purchase, and budget right, it’s possible to manage your money a lot better as a business. Not every problem can be solved in the most efficient way by simply throwing cash at it!

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Parents in Business Magazine Issue 9

Parents in Business Magazine Issue 9

Welcome to the Parents in Business magazine

Many of us over the past few months continue to face upheaval in our lives. Many business owners are still grappling with the impact that Covid-19 is having on their day-to-day life. In this issue, we are committed to supporting you to bounce back and thrive in your business.

Catherine Erdly gives actionable steps on using the Coronavirus crisis to assess your business and come back stronger. Zuzana Taylor writes how to transform your mindset to achieve success.

We have a special feature 5 parents share how they are going to bounce back and thrive. These individuals all represent a real sense of determination and grit. These are professionals who have managed to really be more in the face of a challenge. They have demonstrated that they are willing and inclined to fight for their business, and we’re very proud to hear their stories. The lesson to learn here is that when it comes to what can be done in the face of overwhelming odds, it’s sometimes better to hang up the rulebook and decide for yourself. These incredible people proved that they weren’t afraid to try and move on, and they did so well. Their stories are far from over, but the legacy that they have created and the impact they will have for business owners struggling with COVID-19 right now can not be underestimated.

We have inspiring interviews with Shakira Taylor Founder of Fitness with Shakira you’ll read how she has diversified her income streams. Rob Moore Author, Property Investor & Disruptive Entrepreneur who became a millionaire before the age of 31. And in our interview with Rosey Davidson, Founder of Just Chill Baby Sleep shares how her sleep experience with her own children inspired her to start her business and help other parents.

We are shinning the small business spotlight on Mama And Me Doula Services Founded by Vanisha Virgo.



Shona Chambers is a Marketing Consultant and owner of Shona Chambers Marketing, a Marketing Agency based in Nunhead near Peckham. Specialising in helping Small Business Owners and Freelancers with their Marketing.

*Photo credit Portrayed Photography




Catherine Erdly is the Founder of the Resilient Retail Club, she has over 19 years experience working with product businesses of all sizes from high street names (such as Paperchase, Laura Ashley and Coast), all the way down to brand new businesses with just a handful of customers. She helps product businesses grow their sales, manage their stock and make more money.




Cai Graham is an NLP Master Practitioner Parenting & Expert. Cai Graham has been in

the trenches of parenting and is now on a mission to equip parents and teens with the tools for navigating adolescence. She is a Parenting & Teen Coach, Speaker and Amazon #1 bestselling author of The Teen Toolbox™. She specialises in supporting families overcoming obstacles; including communication issues, loss and trauma so that they can enjoy a brighter future.




Jo Kaye is a Mindfulness Coach she teaches a variety of Mindfulness courses to individuals, parents, teachers and carers both in private groups and 1-1 coaching and also in corporate settings.

The Breathe Academy has one simple, main goal – to teach mindfulness and meditation to help parents better navigate the challenges and pitfalls, whilst skilfully balancing all of the demands we currently have on our lives.




Fiona Minett is a Consumer PR Expert and long-time supporter of small business.  She spent six years running Peachy PR, an agency specialising in working with small businesses and start-ups and helped her clients make their mark through canny PR.  Now, she wants to help you do the same.




Zuzana Taylor is a Holistic and Transformation Business Coach and mum to two beautiful children. She supports and empower mums in business looking to step into their power, regain confidence, and are serious about building the business of their dreams.


How to Make a Vision Board For Goals

How to Make a Vision Board For Goals

Inspiration can be pretty difficult to come across sometimes. There are a lot of different instances where people are trying to find the motivation that they need to get on. When you’re a parent business owner, it’s especially challenging sometimes to try and find the necessary steps to moving forward.

That’s why a lot of people choose to create a vision board. This is a way in which you can visualise your goals and create a type of experience that works for you. Let’s take a look at how we do it.

Know What You Want

Okay. The first trick to making a mood board is to know what you actually want. It’s pretty difficult to figure out exactly what your goals are, but it’s kind of a vital start point. You can’t make a vision board if you don’t know what it is you’re trying to realise.

You need to sit down and figure out what it is that you want. You need to try and plot your goals, work out what it is that you want in terms of a quantifiable objective. This will help you to create the beginnings of a vision board.

Build a Basic Structure

Building a basic structure for your vision board is quite easy. You just sort of start to put together the basic concepts, from the outline before you go into the details. You need to know exactly what kind of resources you have, what timescales you have, how are you going to do it, whether it’s achievable at this moment, etc.

Find Your Motivator

Finding your motivator can be quite tricky. Especially when you are a  business owner, you’ve got a lot on, it’s quite challenging, so you have to sit down and figure out what it is that you want.

So it’s really important to find your motivator. This could be some words, it could be some images, it could be an important possession. Whatever it is, it will motivate you to really complete the board, and start to fill in the blanks.

Don’t Give Up

As challenging as all this can be, it’s so important not to give up, you need to focus on creating the vision board they will help you to realise your goals, and it can be challenging. You’re going to have moments when you don’t wanna do it, you’re going to have moments where you think it’s a waste of time, but try not to give up.

In conclusion, it’s really important to create a vision board for your goals. As a parent business owner, you’re going to have a lot of goals. Personal ones, professional ones, social ones. It’s just nice to have a board where you can look at all of your goals as a single entity, rather than different parts of one thing. Remember – all of these goals help you to move forward. Even if you don’t necessarily know what you want, it’s nice to sit and think about it.

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5 Ways to Ditch Distractions and Increase Productivity

5 Ways to Ditch Distractions and Increase Productivity

Lockdown is definitely a challenge for us all. We’re all feeling the pressure when it comes to staying focused and on the ball. We need to all make sure that we are doing our best.

Being able to ditch the distractions and increase your productivity is definitely a challenge for everybody. There’s a lot of different things you can do to make this happen so let’s check out five of the best options here.

Isolate Yourself

As a parent business owner, it can be pretty challenging to get even a minute away from the house and your kids. However, it is sometimes necessary for productivity’s sake to isolate yourself in a small room and get done what you need to get done. Take away the distractions, take away the things that might cause you to not focus, and just get the work done.

Set a Schedule

Ignoring the fact that the schedule is pretty much vital for making sure that you stay on task and on target, it’s important to also make sure that you are putting aside time every day to look after yourself. There will be moments when it’s just you in the house, and these are your opportunities to get as much work done as possible. They are your chances to really put your head down and get on with things.

Be Good to Yourself

If you’re going to cut out distractions, you need to make sure that you are good to yourself at the same time. Self-love and care are the best ways to make sure that you have a high level of productivity throughout your day, so you should make sure that you are sensible with your breaks, rewarding yourself for getting big tasks done, and remembering why you’re doing this in the first place.

Call in Favours

If you have a parent who is just dying to spend more time with their grandkids, then this is perhaps the best way to get your productivity up and cut out the distractions. It’s sometimes worth calling in the favours and asking people to come and watch the kids for just a little while as you catch up on some important work tasks.

Rent Office Space

Okay, sometimes your house is not the ideal environment for getting things done. If this is the case, you should try and aim for looking into office space. If you can find a rented office space, especially one of those complexes where you literally rent a desk out for a day, then you can use these times away from home to really focus.

In conclusion, these are just five of the different ways that you can cut out the distractions and focus on your productivity when you are a parent entrepreneur. It’s a challenge to really get your business up off the ground trying to juggle your family and other commitments, so you have to be ruthless to an extent when it comes to cutting out distractions. Remember to make time for yourself amongst all of this to, as your needs are very important.

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5 Strategies for Running a Business

5 Strategies for Running a Business

Running a business is tough. There is a lot that you need to think about, so many different things that come into play. When you are a parent business owner, it’s even more challenging. You have to combine all of the responsibilities of your business with trying to be a good parent to your children.

So, understandably, having some tips and tricks to help with all of this is a godsend for most parent business owners. We have put our heads together and come up with five strategies for running a business, so let’s take a look at all of them here and now.

#1 – Automatically Updating Software is Your Friend

As a parent business owner, there is a high chance that you are going to be working with a lot of technology. This is the 21st-century after all, and with that comes a lot of incredible leaps and bounds in resources that can help with everyday tasks.

However, finding software which will automatically update for you is highly recommended. You don’t necessarily have time to check a system or update an inventory list every day, but if you can do that automatically with the help of a computer program, you’ll save a lot of time and effort. Thankfully, a lot of programs offer this already.

If possible, use things like Google Docs and Sheets, because they update their content regardless of which device you use. You can go from your phone to your computer and the information is up to date.

#2 – Never Underestimate What You Can Do For Yourself

One of the most significant challenges that a parent business owner will face is money. You are trying to generate an income to look after yourself and your family, and at the same time pay for your bills and expenses. Therefore, you will naturally want to spend as little money as possible to keep your business running at peak efficiency.

There are a lot of things that you can do for yourself to save money. Creating SEO rich content for a website that you’ve made, using social media platforms to promote yourself, marketing your business without the aid of a third-party – these are all money-saving strategies. If you can learn to do something for yourself, then it is a good idea to try.

As a helpful benefit, everything you do for yourself is another skill. It’s good to have when you want to branch your services out.

#3 – Time Management is Critical

Your time is precious. When you are trying to look after young children, your time is even more precious than normal. So you have to be ruthless about how you split your time between the office and the home, and what you allow yourself in the way of time to do menial tasks.

Quite a few entrepreneurs approach their day-to-day routines with a certain lack of urgency. They do what they can, they don’t really have a schedule in place, and this works when they don’t have any other responsibilities. You do, so you need a rough idea of what you have to accomplish each day, how much time you have to do certain things, and making sure that everything in your domestic life has been taken care of at the same time.

It’s all about cultivating that work-life balance and spending enough time with your kids. Expansion is nothing if you don’t have the time for the important stuff in life.

#4 – Have an Expansion Plan

If you are going to grow as a business, and expand as a parent entrepreneur, you have to have a plan. You need to have a goal, a place where you’re trying to get to, a position in your life that you are aiming for, and it has to be realistic, achievable, and have a defined timescale.

An expansion plan is often quite a fun thing to do, simply because you can set whatever goal you want. You can reach whatever height you think is appropriate, so long as it’s achievable and feasible. But you need an expansion plan if you’re going to think about doing anything remotely connected to growing your business as a parent entrepreneur, because it’s so easy to get stuck.

#5 – Network as Much as Possible

As a parent entrepreneur, you are part of an exclusive market comprised of thousands of other people who are in exactly the same position as you. Despite what you might think about rivalries and the cutthroat world of business, this is good. It means that you have plenty of opportunities to network, and to promote yourself to other people.

Now obviously, you have to be careful when it comes to networking. It’s all about picking the right people to ingratiate yourself with, doing things tactically. It’s not a point in going fraternising with another writing service if you’re also a writing service, because you’re just rivals. However, if you go and work with graphic designers, musical creators, marketers, you develop a whole selection of contacts which will help you. You might even be able to do little favours for each other.

Networking is vital. So many people don’t, and then they can’t move forward as a business because they’re trapped in a bubble of isolation.

Closing Thoughts

Growing as a business isn’t easy. A lot of people try every year and fail. But you can do it. You have the focus, the commitment and the drive to succeed. But most importantly, you have strategies to help you succeed.

Everything you do in life needs that all-important direction. You can’t hope to succeed if you aren’t thinking about what it is that works for you. You have so many chances to succeed and so many potential options. Fortune favours those who are prepared to go after what they want with both hands. If you can do that, then you can quite easily move forward. Remember, it’s all for the kids, so if nothing else, do it for them!

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Are You Prepared For These Business Issues?

Are You Prepared For These Business Issues?

Do you ever worry about some of the business pitfalls you could face? Here are a few common problems along with the right solutions.


Hacks are an issue that a lot of business owners think only impacts the massive companies. It’s understandable why you might assume that’s the case. After all, when we hear about hacks in the media, it’s usually on a company like Disney, Sony, or Equifax. But that doesn’t mean that smaller businesses aren’t targeted. They can be, for one reason. Criminals assume that these businesses won’t have the right level of security in place. You don’t want to prove them right here. You need to make sure that you are protecting your company. There are a few ways to do this, but antivirus software is a smart place to start.


Injuries have been causing expensive issues for businesses for years. Indeed, in the UK, there have been debates about whether to change the law so that it is far more difficult to file a personal injury lawsuit. This is due to the fact that UK firms, in particular, are being inundated with claims. The amount that you could have to pay through this type of lawsuit differs. It depends on the extent of the injury and the ramifications it could have for the individual. However, it’s not uncommon for the damages to exceed one hundred thousand.

Now you might think that this is a problem that is really only going to affect large businesses with multiple employees working in a factory or an office. But it’s not just employees that could get hurt. It could also be a customer or client. Let’s say that you meet a client in a coffee shop and they trip over a strap on your bag. If this happens, you are liable. That’s why exploring liability insurance options on a site like could be a smart move for your company.

Bad Reviews

You may also want to think about issues with reviews in your business. Bad reviews can cripple a company. Particularly when you consider that more than 80% of customers will check reviews before they commit to purchasing a product. If you have bad reviews, it’s important not to leave them to fester. You must take action and ensure that you can correct the situation. Sometimes, this is just a case of responding to the review in question and ensuring that your customers feel as though they are being listened to.

Tax Trouble

It’s time to pay the taxes for your company, but are you prepared? Do you know how to ensure that you are accurately recording your levels of profits? Do you know the deductions that you can make for your business? These are important questions to ask because if you slip up here, you could underpay your tax. This can leave you in a difficult situation where you suddenly owe thousands. The good news is that you can avoid this as long as you hire an accountant. They’ll take care of this issue for you and keep you on the right track. You can learn more about paying business tax on

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