The Red Stuff Handbook

What your accountant won't tell you!

If you are thinking of leaving your job and starting your own business or becoming your own boss then you are probably the kind of person who wants practical information that you can use straightaway.

Experience shows that even with all the help available to new start-ups, you still have to put it together yourself and it soon becomes clear that there is a whole lot of stuff that you don't know about.

Only this week, I got this email from a client...

I am 52 and have already been offered one similar job as an employee again and another potentially as an employee again with a large surveying group.

But I have also been offered the firm possibility of a directorship/self employed role as a surveyor in an already established but small business.This appeals to me because the business is already established and with a good client base and likely to expand the client base and geographical coverage as a direct result of myself,if I join it.

But in l my 35 years of working life I have never been self employed or had to employ my own staff. So I am a complete novice from this point.I don`t have a clue regarding how the company`s accounts are run or taxation issues or directors` liabilities, how shares are allocated ,national insurance issues,sickness issues ,pension schemes for small businesses staff and directors,insurances needed etc. etc.

The business is a limited company and registered as such. I have no idea of its liabilities,annual running costs etc. and need advice upon where to find such details.

I need to protect my house and savings etc. from any libilities concerned with this business if I join it and need guidance upon this as well.

Are you facing similar questions...?

I couldn't have put the problem better myself! and that's why I put together The Red Stuff Handbook. Why Red Stuff? Because You need to understand the mechanics of how it all works - tax, national insurance, expenses, VAT, whether to be a partnership, sole trader, limited company or one of the 4 other business structures you can use. It's the lifeblood of any business - saving you money and saving time if you can find the most effective way to manage the mechanics.

Understand the 12 decisions you need to make...

When you confront the mechanics of starting a business in the UK, I think there are 12 key decision areas that you need to sort out.

1. Are you building income or equity?
2. Which legal structure are you going to use (e.g. Sole Trader v. Ltd Company) and should you buy a franchise?
3. Do you need an accountant and a business bank account?
4. Are you going to register for VAT - now, later or never?
5. Should you buy a company car or van?
6. Are you clear about business expenses and how to claim them?
7. Do you know how to organise yourself, send invoices and get paid?
8. How will you price your goods or services?
9. Will your work be caught by IR35 and can you avoid it?
10. Which insurance cover should you buy?
11. Should you employ other people - now, later or not at all?
12. Do you need a website and should you trade on the internet?

If I could show you a simple way that you can get to grips with these questions quickly, would you be interested? You might want to think about how much time it would take you to sort all this out on your own and the time you can save by getting this information laid out for you in one place.

Who is this for?

It isn't for people who just want the theory and don't want to use it. Only purchase this product if you want fast, practical help with the mechanics. It's for people at the transition stage who have been curious and concerned about the mechanics and want to arm themselves with some information and answers before talking to other professionals. It is, for example, an ideal handbook to work through before you start talking to accountants.

When I started my business a few years ago, I blundered straight into it and boy did I make some mistakes. Here's just a few of them...

• I lost money by choosing the wrong trading structure and missed a valuable tax refund!
• I chose the first accountant I met who seemed friendly but turned out to be incompetent!
• I didn't tell my bank something legally significant and traded for ages with the wrong sort of bank account!
• I got in a terrible muddle with National Insurance and signed a direct debit for the wrong sort altogether!

The worst of all of this was that I talked to the Revenue, I talked to an accountant, I went on a start-up course with BusinessLink and I talked to other people who had small businesses but STILL got it wrong. Nobody I spoke to seemed able to put it all together for me, to explain everything in one easy to understand way that I could follow to avoid these kind of mistakes. It wasn't just the money, although I did lose some. It was the time. Time wasted on websites, phonecalls and puzzling out all this stuff - time that I could have, should have, been spending on working with my customers.

I want to save you this waste of time. This is the stuff that no-one tells you, presented in a way that no-else does. It's vital information that will save you time, save you money and keep you on the straight and narrow. Buy now

So, what's in it for you?

As you use this handbook, you will find...

• 131 pages of solid practical information written in an accessible style with no jargon. Information you can start using straightaway.
• A step by step guide to choosing the main legal structure for your company with all the latest options and up to date tax information laid out in easy to use tables.
• How to protect your personal assets from any new business risk.
• How to choose (and use) your accountant AND how to choose (and use) your bank. How to decide whether you need a business account.
• A simple book keeping system that you can use to stay on track
• How to make your decision about VAT registration and then how to do it
• Why company cars are a bad idea and how motoring can put tax free cash in your pocket
• Exactly how to create an invoice that keeps the VAT man happy and makes it easier for you to get paid.
• How to set your prices and what price to charge for your services.
• How to master the challenge of getting paid for your time and efforts.
• What to do about employing others for the first time.
• Helpful checklists to monitor your progress including the insurance you should consider buying for your new business.
• A comprehensive explanation of the expenses you can claim and how to do it.
• Step by step detail on how to pay a dividend from your own company.
• The danger of IR35 and how to avoid it (and if you've never heard of IR35, why you ought to be aware of it)
• Details of a hidden (and free) Government service that will chase up your bad debts for you
• A practical suggestion about how to approach your website
• How to construct a survival budget and why you need one.
• Special section on how to make money flow towards your business.
• 6 Ways To Make More Money - especially for very new businesses
• And a special download page where I have put a host of links, references and pointers to other sources of help with mechanics. It's also where I put new information first and the extra inside information for previous purchasers.

And on top of this you get it all in a really practical and accessible format…

• 131 full colour .PDF file so you can have this information NOW
• The contents list is clickable so you can jump around easily as you read it on screen
• At the end of each section is a step by step checklist to guide your progress
• And the last section is the complete Red Stuff checklist together with a summary of your key decsions about the mechanics
• When you print it you’ll find that the layout is ready for double sided printing so it reads like a normal book
• Throughout the text are live links to the resource pages on this site as well as useful external websites
• And best of all, it’s written in plain english, jargon free and immediately useful. You’ll be able to apply what you read straightaway. You can even sample Chapter 1 using the links below.

I’m not going to tell you this is the very best and most practical guide to the mechanics that is out there or that it is the same as having a really good mentor walk you through it but what I can tell you is that it is easy to read, straightforward to use and full of hints, tips and ideas to get the red stuff sorted out quickly for your new business. Only buy this if you truly want fast help with the mechanics of starting a business in the UK.

“By the way, our products have also won 2 Guild of Fine Food Gold Awards: the only company to have ever won 2 golds for our chocolate drinks, so you'll be endorsing a great product, just as I tell everyone about how good your course was. In fact I have just bought a copy of your Red Stuff Handbook, for another ex-colleague who is about to set up his own business. So, if you ever need an example of a successful company that has been through your course, point them in the direction of Mortimer Chocolate in Waitrose!”
Adrian Smith

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As you read through this Handbook you’ll pick up the tips you need to master the mechanics of setting up a small business in the UK. Imagine being able to...

• Decide the right legal structure that keeps your tax bill low and suits you and your customers.
• Know whether you need an accountant and how to choose one if you decide you do.
• Make the right decisions about VAT for your pocket and your customers.
• Know how to protect your personal assets from any risk.
• Maximise your transport arrangements in the most efficient way possible.
• Claim all the expenses you are entitled to.
• Decide on your prices and have a system for getting paid.
• Comply with all the Inland Revenue regulations for small companies and still have a tax advantage.
• Have peace of mind that you have the right insurance in place.
• Employ others without all the hassle and red tape of employing them!
• Take a hard nosed, unromantic look at the internet and a plan for getting the best result for the least time and money.

All this and more is possible. I’m sure it’s occurred to you that with a few quick insights you could speed up your understanding of the red stuff? One of the success secrets of successful entrepreneurs is their willingness to take advice. As someone once said The key to success as you set up your business is realising when it’s time to make a decision and then making that decision.

So the usual question, how much?

You can start using the Red Stuff Handbook for just £47 (+ VAT). The sooner you make this decision, the sooner you’ll realise the benefits of having all this information at your fingertips (and this education may even be deductible as a business expense - ask your accountant).

Sooner or later most people interested in starting their own business want this information so buying this handbook now means you won’t have to spend more later. You don’t need me to tell you that the sooner you place your order the sooner you’ll be using this information to save money - especially tax - and set yourself up without delay.

But I will tell you that this is a time-limited offer so you’ll need to act fast to benefit. You don’t even need a PayPal account. Just pay by credit card right now and it’s available for immediate download. Go to the offer page now.

And the best news? There’s no financial risk whatsoever, because of my no-quibble guarantee. Click here to Buy Now

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When’s the best time to buy it?

The Red Stuff Handbook is a great way of arming yourself before you go off to see an accountant, contact the Inland Revenue or meet with BusinessLink - all things I recommend you do eventually. Get this information first so that you are not overwhelmed by all their jargon and advice.

Buy it now to save you money, save you time and as the quickest, most practical guide out there to getting the mechanics right.

Only buy this now if you want the best information, delivered quickly and written in a accessible style that you can start using straightaway…

Technical Note: The Red Stuff Handbook is a .pdf file and available for immediate download. It can be read using the free Acrobat Reader or similar .pdf readers and is completely compatible for all Mac and Windows users. You can pay using most credit/debit cards or with PayPal. Learn More

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All the best

Learn More or download a sample chapter Chapter 1 of The Red Stuff Handbook. You can also read extracts online at the Knowledge Base.