Category: Business

If you are contemplating working through an umbrella company, you will likely spend a large amount of time comparing your options. In doing so, you will almost certainly see advertisements from umbrella companies that claim to offer “90% plus take home pay”.

As a contractor seeking to maximise their earnings, 90% take home pay sounds like a dream come true – but unfortunately, these claims can quickly turn into a nightmare.

90% take home pay is never feasible

The idea of being able to keep 90% of what you earn may be tempting, but it can only be achieved under a very specific set of circumstances. Let’s crunch the numbers:

• The rate of tax is the rate that anyone earning above the tax-free personal allowance must pay by law.
• Everyone receives a tax-free personal allowance of £11,850.
• Anything earned after this amount is taxable. This means that anyone in full-time employment must pay tax, as a full 40-hour week at the national minimum wage exceeds the tax-free allowance threshold. If you work full time, you must pay tax.
• If you earn between £11,851 and £46,350, you will pay 20% of your taxable income in tax.
• If you earn between £46,351 and £150,000, you will pay 40% in tax.
• If you earn over £150,000, you will pay 45%.

Given the above, we can conclude that unless you are earning less than your personal allowance of £11,850, you must pay tax at a rate of 20%.

So how can you legally achieve a take home pay of 90% – which is just a 10% tax rate – with an umbrella company? You can’t. It’s illegal.

So why do companies advertise 90% take home pay?

There are two reasons an umbrella company may advertise a 90% take home pay, and neither are positive:

• They are advertising this rate with a caveat – i.e. you can achieve this rate if you earn less than your personal allowance. This isn’t technically a lie as it can be true, but if you work full-time, you will definitely earn over your personal allowance – so really, it’s just marketing spin that applies to only a tiny percentage of contractors.
• More worryingly, a 90% take home pay could indicate that the umbrella company are involved in a tax avoidance scheme. If this is the case, working through such a company could have catastrophic consequences for you in the future.

HMRC and tax avoidance

Tax avoidance schemes are always illegal.

If HMRC find that you owe money in unpaid taxes, they will issue a demand for payment. You can try to argue that you did not avoid tax – your umbrella company did – but HMRC have the power to demand you ‘pay now, dispute later’. Due to this, you would still need to pay the back-taxes even if it is the umbrella company who were at fault. You could then dispute this with HMRC and claim a refund, but only after you have settled the debt in full – and even then, there’s no guarantee that the appeal would be successful.

So what should you do instead?

• Ignore companies that claim to offer you 90% take home pay, as this cannot be legal. This point cannot be overstated enough; there is no such thing as a legal or permitted tax avoidance scheme – no matter what companies claim on their website!
• Look for an umbrella company that pays you via the PAYE system
• Check all monies received to ensure that you are paying the right rate of tax for your income.

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When you own or manage a commercial property, you already understand the importance of outdoor signs and the benefits that they can provide to your business. Therefore, you should try to find one of the best sign companies in Dallas, TX and its surrounding areas. You want to find a company with inning designs, dedication, knowledge, and creativity. You want one that stands out from the pack and can create any exterior sign you are looking for.

Your Identifying Sign

One of the most important outdoor signs your company needs is your outdoor identifying sign. Identifying signs can vary widely and you will want to go over several different options. When you find a quality signage company, their design team will create more than one layout, so you can pick your favorite before beginning construction.

Some of the most popular commercial outdoor identifying signs are the monument sign, the illuminated channel letter sign, and the pylon sign. Awning signs and attached signs are available to enhance your existing facade, too.

Adhesive graphics are another smart choice for your exterior and can be applied to both your windows and doors. They cost less than many other options without compromising on visibility, which is helpful to the more budget conscious.

As well as the benefit of reduced cost, you can easily decide to switch up the look of your windows from time to time.

- to find out how to get your company better noticed!

The Magic of LED

Consider lighted signs that contain LED bulbs. LEDs use less electricity than incandescent bulbs, which saves you money, and LEDs shine brighter, which gets you noticed more easily. If you currently have a sign using neon or incandescent bulbs, think about making a change. The benefits of LEDs far outweigh any initial price increase, and you will start to see those benefits take shape almost immediately.

The trick is finding a company that offers outdoor services that help distinguish them from other signage companies in the area. If you are looking to use your outdoor commercial space, find one that offers patio enclosures. Each enclosure can be customized based on your specific tastes, preferences, and available space. Patio enclosures can make nice courtyards, outside dining areas, or a nice relaxing area for your employees to recharge during lunch.

You also can find a company that will install aluminum shutters on the building’s windows to reduce glare and help save on heating and cooling costs.

You may also want to consider border lighting. With border lighting, you can illuminate your building and keep the parking lot well-lit for safety reasons. Furthermore, a mobile sign can go a long way toward advertising for your company. Mobile LED trailer signs keep you advertising on-the-go, so people can find out about your company anywhere that they happen to be.

Every day we see hundreds of different sign boards, making us wonder how many types of sign boards are there. There are too many to count!

Signboards are great marketing tools because it attracts attention from potential customers, it’s cost-efficient compared to other advertising tool, and it can be customized to fit your specific needs. Here are the most common and popular signboards that you can use in advertising your business.

Conventional Sign Boards

A simple 2-D sheet and some paint are what makes a conventional signboard. This is the signboard that all the future sign board ideas evolved from and is still widely used for business advertising. You can utilize the conventional type of signboard to capture the attention of a large audience and it can easily be mounted anywhere, even in spaces with limited areas.

LED Sign Boards

LED signboards use LED lights to communicate the message. This type of signboard is quite eye-catching and works especially well at night. LED signboards can be used to display high-resolution pictures as well as text to create a visually striking signboard. If you want to employ a signboard that works for your business, then an LED signboard is definitely one of the signboard ideas you should consider.

3-D Sign Boards

This is one of the most captivating types of sign boards around. The 3-dimensional effect provides a pop to the signboard and looks truly stunning. Huge mockups of products that your business deals in, is a great way to get the attention of your potential customers and to market your products effectively.

Neon Sign Boards

This type of signboards utilizes neon lights which provide a retro feel to the signboard. It also consumes a lot of power and is not very energy-efficient. Unless the retro look factor is very important for your business advertising, you should refrain from this type of signboards and opt for LED sign boards instead.

Boxed Sign Boards

These types of sign boards are a combination of the conventional signboard and the lighting effect of LED sign boards. They contain lights below a layer of the signboard which illuminates the signboard. They offer excellent visibility, both during the day as well as at night.

Stickers

These types of sign boards are mere signs with one side sticky so that they can be stuck to different surfaces such as the sides of a huge vehicle, on walls, escalators and so on. They are highly effective mediums of business advertising as they utilize the unconventional spaces which are left untapped by other kinds of signboards.

In the same way as other different games, soccer offers a few wagering alternatives to browse. See beneath for a point by point breakdown.

Full game bets

Full game soccer bet results become official once the matchup being referred to is finished. This incorporates the whole hour and a half term of the game, in addition to injury time – except if in any case indicated on sports sheets or show loads up. With the end goal of these bets, additional time period(s) or potentially punishment shootouts are not used to figure full game outcomes – except if in any case indicated on the games sheets or show loads up.

Moneyline

Full game moneyline soccer occasions can be orchestrated as 3-ways (which incorporate Team A, Team B, and Draw alternatives), or 2-ways (which just permit bettors to pick between Team An and Team B). While betting on 3-way moneylines, your choice must be right for your bet to be considered as a champ. For example: on the off chance that you select Team B, and Team A successes or the occasion closes in a Draw, your Team B determination loses.

Consider this 3-way soccer occasion model:

Juventus has – 125 chances (bet $125 to win $100), Genoa has +310 chances (bet $100 to win $310), and the Draw alternative has +250 chances (bet $100 to win $250). The payout for every individual choice is subject to explicit chances, and your choice must be right to win your bet.

Pointspread

Through this wagering technique for soccer occasions, the distinction in objectives scored by each group is utilized to direct the consequence of each bet. In this situation, bettors have two alternatives: bet on the supported group to win by a larger number of objectives than the anticipated pointspread, or bet on the dark horse to lose by less objectives than the pointspread (or dominate the game altogether).

This 2-way pointspread idea is exhibited in the accompanying model:

Juventus is supported by – 0.5 objectives and has – 115 chances (bet $115 to win $100). All together for a bet on this result to be considered right, Juventus must dominate the match by at least one objectives. Then again, Genoa is the dark horse at +0.5 and has – 105 chances (bet $105 to win $100). To win a payout on this result, the game should either end in a Draw, or Genoa must dominate the game.

Over/Under

As the name expresses, these soccer occasion wagering choices give the chance to bet on the joined absolute of objectives scored by the two groups in a match. Results exclusively rely upon the quantity of objectives scored. The aftereffect of this free bet isn’t influenced by either group winning, or the matchup finishing in a Draw.

For instance:

Envision the over/under line for the Juventus versus Genoa coordinate is set at 2.5. There are two choices. Put down a wager on over 2.5 joined objectives being scored before the finish of full time at +100 chances (bet $100 to win $100), and you’ll require at least 3 consolidated objectives. Bet on under 2.5 joined objectives at – 120 chances (bet $120 to win $100), and you’ll require 2 objectives or less to be esteemed a champ.

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