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Is it the Right Time to Re-Mortgage?

Is it time that you looked at re-mortgaging as a contractor?
With the Bank of England again keeping the base rate at 0.5% this lunchtime, many contractors whose mortgage is on a lenders Standard Variable Rate (SVR) could find themselves in a position where switching to a fixed rate would be a better option than staying [...]

Self Certified Mortgages a no no For Contractors

This lunchtime The Bank of England once again held the base rate at 0.50%. This was widely expected by analysts as the Bank, The Treasury and the Financial Services Authority (FSA) try to speed up the economic recovery.
Back in October last year the FSA announced plans to ban self-certification mortgages in an attempt to ensure [...]

Guide to IR35 – The Rules and Regulations

Working as a freelance contractor, predominantly those in IT, you should already know about the IR35 rules and regulations. The IR35 concerns any contractor who isn?t seen as self employed according to the Inland Revenue’s classification.
Becoming law through Schedule 12 of the Finance Act 2000, the IR35 rules were prompted to stop freelance contractors from [...]

Where Does the Death of Self-Cert Leave Contractors?

The Bank of England have again held the base rate at 0.50%, as they strive to steer the UK economy out of recession with the help of the Treasury and the Financial Services Authority (FSA).
Last month the FSA took an initial step towards this by announcing new proposals that included a ban on Self-Cert Mortgages.
Self-certification [...]

Finding the Right Insurance Fit For a Trade Contractor

It is a misconception that the only people who have pollution exposures are those involved with hazardous substances. Unfortunately, this is not the case. In truth, anybody who works with, or can be held responsible for, the release of a substance into the environment that meets the definition of a ?pollutant? in the ISO exclusion [...]

Packaged Insurance Coverage For Environmental Facilities

Landfills, transfer stations, recycling centers, water treatment plants, and other environmental facilities have unique risks and many of these types of organizations have an interesting set of pollution exposures to contend with. Insurance packages to cover potential pollution claims come in a variety of configurations, but all give the benefit of the costs savings associated [...]

Tips For Boutique SEO Agencies Outsourcing Projects to Contractors

Ask a ?main street? American how the economy is doing and they?ll say ?we?re in a recession, if not a depression.? Ask the same question to a reputable SEO professional and you?ll likely hear their business is in a boom.
Why is this happening? For those that have harnessed the power of online marketing, including SEO [...]