Unlocking the value in your home…

The number of people using equity release schemes fell last year as older homeowners grew more cautious.

Older homeowners seemed to be more reluctant to release cash from their homes in 2020, according to the Equity Release Council. Data from the trade body shows drawdowns from lifetime mortgages fell by 21% last year and 10% fewer plans were agreed than in 2019.
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Are you aware of the risks surrounding promotions and demotions?

Promotions in the workplace should be positive. They create new and exciting opportunities for employees and the businesses that they work for.

They are however, like all aspects of people management, subject to complications. Are you aware of the risks involved when promoting an employee?

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Personal guarantees: When liability isn’t so limited…

The concept of limited liability is not new. English law granted this status to monastic communities and trade guilds as early as the 15th century and the protection was extended more generally by the Limited Liability Act of 1855, despite fears expressed at the time that it would lower standards of commercial behaviour…

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STAY PROTECTED WITH A MAINTENANCE CONTRACT…

Installing systems such as security cameras and fire alarms to safeguard your business premises is an important step but maintaining the systems themselves is just as crucial. An alarm that repeatedly goes off or CCTV cameras that are too dirty to record a clear image won’t provide effective protection, so how can you ensure you’re fully covered 24-7?
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Managing the return to work after you have made changes to your business…

Although some businesses have implemented successful remote working strategies, and some are considering a permanent move away from the office, a spotlight has remained on the green light to bring employees back to work.

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Your checklist for employing younger people to fill your workforce shortages…

It is unclear which has had the bigger impact, but between them Brexit and Covid appear to have made it much more difficult to find staff in certain sectors. Despite there being 1.7 million unemployed people in the UK, many hospitality, leisure, tourism and haulier businesses among others are struggling to recruit.
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Business growth – managing the overtrading risk…

Managing growth when coming out of economic downturn
Growth kills more companies as they emerge from an economic downturn than the recession itself. More precisely, headlong expansion with depleted working capital is what does for them. After the slump, the losses and the gloom of it all, what entrepreneur would turn away that heady surge in sales?
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