October 2012 - Federation of Small Businesses

fsb.org.uk

October 2012 - Federation of Small Businesses

FSB BRAND GUIDELINES • PROFESSIONAL DESIGN & PRINT 2010 V1.7

MEMBER LOGO RESTRICTED USE

October 2012

Newsletter of the Federation of Small Businesses, Black Country Branch covering Wolverhampton, Walsall, Sandwell & Dudley

DIARY

DATES

SHEET 1D

Voice

The

MEMBER LOGO*

Consists of:

1) the laurel wreath roundel AND

2) type descriptor i.e.‘MEMBER’ centred

directly below the roundel as shown.

The type descriptor is always to be set in

Helvetica Neue Extra Black Condensed in the

position and proportions indicated. This

typeface usage is the sole exception to the

corporate font (Futura) in order to maintain

brand consistency with FSB website and

in-house production specifications.

NB: This logo is available to FSB

Members only for marketing and

advertising purposes. of Size the Black Country

To ensure maximum legibility of the Member

Logo at all sizes of application, it is recommended

that the logo is not used below

12mm wide.

MIN. SIZE 12mm

Is your

personality

* NB: Vector EPS and jpeg artwork of the member logo above is readily available on request in both mono and CMYK/spot variations.

losing you

business?

When you run your own business, it’s hard to separate the professional from the

personal.

Maybe it shouldn’t matter what sort of person you are, and how you get on with

those around you, but it does.

However good the product or service you offer is,

the old adage is true – people buy from people.

Your personality has an enormous impact on

your business, not just how you run it, but how

you interact with customers, suppliers, staff and

others.

So it’s important to understand what sort of

person you are, and what characteristics may be

holding you and your business back.

Join us at a special Federation of Small Businesses

(FSB) event on Wednesday 10th October 2012

to discover more about your personality type

using the Myers-Briggs model.

This famous profiling tool draws on your answers

to a set of questions linked to four areas of

‘preference’:

l extraversion or introversion?

l sensing or intuition?

l thinking or feeling?

l judgement or perception?

The results combine to give 16 different

personality types.

The next branch meeting will be held at The Lodge, Wellington Road, Dudley, DY1 1RD

with a complimentary hot buffet and refreshments served at 7pm

Next meeting:

10th October 7.30pm - Motiv8 Development - Is your personality losing you business?

Future meeting:

14th November 7.00pm - Branch AGM

December No meeting

Which one are you?

For up to date meeting information http://www.fsb.org.uk/staffs-and-west-midlands/events-diary

Our speaker Andy Pickin can help you find out.

He is an expert Myers-Briggs personality profiling,

as well as an experienced business coach.

Andy’s company Motiv8 Development Ltd

helps motivate and empower people, and

help them acquire leadership, management,

communication and other personal skills that

will make a real difference to their business. He

has worked with some of the country’s leading

brands, including npower, TSB and Magnet.

If you have any venue or materials access requirements please ring Karen Woolley on 01332 517176


LAST monThS SpeAker.... LAST monThS SpeAker.... LAST monThS SpeAker....

From the 1st October we have two new member FSB Care

FSB Finance for Business

benefits (FSB Health and FSB Wellbeing, Care and FSB Exclusive member benefit for serious health FSB Pension Individually Scheme tailored for Members (both secured and

Finance for Business), and

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This exclusive unsecured) scheme finance is ONLY to meet available the needs to of FSB

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Call 0808 Tel: 100 0845 1613 4700138 now for a Guide to the

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Covering small and micro Protection business in all Scheme business Insurance professional for legal fees, and plus legal and taxation Accurate fuel management and control with

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plans, health screening and other health related

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products for FSB members. Tel: 0333 321 2335

The team at FSB Health and Wellbeing, provided

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them

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The NACFB are the only Trade Body representing FSB Card Payment Processing Tel: 0800

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FSB

54 23

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Brokers who help small businesses directly by Provided by Streamline, the UK and Europe's

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to purchase new equipment such as IT systems

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members through FSB Telecom, Tel: 0800 the 0856019

Visit www.marketlocation.com or FSB

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and iPhone 4s are available on a monthly deal.

Member Services Services on 0808 Team 20 20 - 888

• The new iPad is available FSB Independent for only £24.99Financial

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FSB Head Office

Financial Services

per month with Vodafone, Personal including financial 5GB of planning,

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Christine Svatos Tel: 01253 336026

Tel: 01253 336022 FSB Health and Wellbeing Email: customerservices@fsb.org.uk

Got an employment problem? Private medical insurance, travel, dental, FSB Customer Services

Ring the FSB Legal Susan Helpline Hulton, Departmental cash plans, Administrator health screening and other Tel: 0808 20 20 888

BEFORE you take Tel: any 01253 action 336019 health related products for FSB members. Email: customerservices@fsb.org.uk

Tel: 0333 321 2335

0845 0727 727

FSB Legal Helpline 0845 0727 727 FSB Legal Info Online www.fsblegalinfo.org.uk

Member Benefits July 2012


DID YOU KNOW?

l The Department for Business, Innovation

and Skills (BIS) have announced measures

to enable more than 100,000 UK businesses

to save £millions in annual accountancy and

administration costs under reduced auditing

and reporting requirements. New regulations

come into effect on 1st October, 2012 to

allow more companies to choose not to have

an audit. The following changes will apply

to accounts for financial years ending on or

after 1st October, 2012:

- Small companies: The thresholds for

small companies to be eligible for an

exemption from audit are widened to two

out of three criteria: no more than 50

employees; no more than £3.26 million

on their balance sheet; and less than

£6.5 million in turnover.

- Subsidiary companies included in their

parent’s consolidated accounts will

be eligible for an audit exemption, if

accompanied by a statutory guarantee

from their parent company covering all

of their outstanding liabilities.

- Dormant subsidiaries will no longer

need to prepare and file annual

accounts, provided they receive a similar

guarantee.

- Companies that prepare their accounts

under IFRS will be able to change their

accounting framework to UK GAAP.

The rules also apply to Limited Liability

Partnerships.

l New taskforces to tackle tax dodgers have

been launched by HM Revenue & Customs

(HMRC) and they are expected to recover

more than £19.5 million from tax dodgers.

Areas currently being targeted are:-

- The legal profession in London

- Grocery and retail in South and North

Wales, the North West and the South

West

- Hair and beauty in the North East

- Restaurants in the South East and Solent

- The motor trade in Scotland

Taskforces are specialist teams that undertake

intensive bursts of activity in specific high risk

trade sectors and locations in the UK, and

visit traders to examine their records and

carry out other investigations.

l At the end of August 2012 BIS have

announced new measures to help small

employers take on apprentices. The new

measures include:-

- Working with the people that SMEs look

to for advice, including lawyers and

accountants, to promote apprenticeships

to their SME customers

- Enable SMEs to get their apprentices

the training they need, by providing

better information on availability and

investigating how to give them a greater

say in developing the skills they need

- Improve the performance of providers of

training to SMEs by agreeing standards

and the consequences of not meeting

them

- Improve the Apprenticeship Grant

for Employers (AGE) by making it

simpler and more accessible to more

employers. AGE currently provides up to

40,000 grants of £1500 to encourage

and support employers taking on a

young apprentice aged 16 to 24.

Following feedback from employers, the

Government is refining the AGE scheme

to make it simpler to use and expand

access to the scheme. The grant will

be made in a single payment instead

of two instalments and employers will

be allowed to claim grants to support

up to ten new apprentices. Eligibility

restrictions will be revised, opening

the scheme to employers that have not

employed an apprentice in the previous

12 months.

As with all legal agreements it is advisable

to read and understand the terms and

conditions of the grants provided and if in

doubt about any condition please consult an

adviser i.e. your accountant or lawyer.

l The Government have been carrying out a

review into the vetting and barring scheme,

which is in place to prevent unsuitable

individuals from working with children and

vulnerable adults. They have now issued

a leaflet entitled ‘What you need to know’

which is aimed at organisations (Employers,

voluntary organisations and charities) who

engage people to work with vulnerable

groups including children. This is work

which a barred person must not do (called

‘regulated activity’) or work for which the

organisation may obtain a Criminal Records

Bureau (CRB) check. This will often involve

contact with the CRB and/or the Independent

Safeguarding Authority (ISA).

Not everything is changing, but some of

the changes will come into effect on 10th

September, 2012.

At a glance, the major changes in September

2012 are:-

- New definition of ‘regulated activity’

- Repeal of controlled activity

- Repeal of registration and continuous

monitoring

- Repeal of additional information

- Minimum age (16) at which someone

can apply for a CRB check

- More rigorous ‘relevancy’ test for when

the Police release information held

locally on an enhanced CRB check.

Lynne Tennant

Branch Vice Chairman

FSB web site http://www.fsb.org.uk

FSB

Member

Spotlight

YOUR CUSTOMERS ARE MOBILE....

ARE YOU?

Mobile marketing and social media marketing

is exploding. The way in which businesses

communicate with customers is changing as

more people shift from their computers/laptops

to smartphones, iPad & tablets. They are getting

information at their fingertips, communicating

with the brands, buying products and services

etc., if you are a SME business who is looking

to increase sales and have more customers

“NOW” it’s time to think about Mobile Apps.

However, the development cost and update

process of a mobile app is expensive and time

consuming. Not long ago having an app in the

Apple Store (App Store) or Android Marketplace

(Google Play) was only for businesses with deep

pockets.....Not anymore!....

Using industry approved software & the latest

App development tools, FastBizApps offer the

only legal alternative for publishing affordable

promotional Apps (avoiding Apple control of

content and App approval process)

Mobile Apps can be installed directly onto any

iPhone, iPad or Android device. Our Apps are

also compatible with Windows Smartphones,

Blackberry, Mac, PC’s, Laptops & Tablets,

instantly delivering the optimal version by

detecting which device your customers are

using, thus providing a unique mobile app

marketing solution for small businesses.

Whilst your competitors are waiting weeks for

amendment approvals, you can bring your

app up to date instantly with news, offers,

promotions, vouchers, etc. Other features

include: Social Media Integration (Facebook,

Twitter, LinkedIn), News (RSS) or Manual News

(Blogs), Built-in Email, SMS Text Forwarding

(free), Download Page/Optimised Mobile Web

Site, Photo Gallery, Feature Page, Interactive

Mapping, Contact Info, Links & QR Code

Marketing.

For more information view our app on any device

or download directly from www.fastbizapps.mobi

contact Andy Brown for a free (no obligation)

mobile app demo for your business. 07968

133243 demo@fastbizapps.co.uk

Your Spotlight here!

For an opportunity to promote your business to

almost 3,000 Black Country Members send your

Spotlight to Michelle McAuliffe, branch secretary,

email: michellemac@blueyonder.co.uk


New “Settlement Agreements”

The Department for Business Innovation and

Skills has published, to much fanfare in the

press, a consultation on changes to the law

on terminating employment. When you read

the consultation there is little in it that is new,

however.

The Government’s approach is based upon

a belief (the evidence for which is unclear)

that employers are worried about taking staff

on because of concern about their ability to

terminate the employment if things do not

work out.

In reality, the law of Unfair Dismissal is quite

favourable to employers and gives them a

considerable degree of latitude in how they

act. The qualifying period for a Claim is now

2 years in most cases and this ought to give

an employer ample time to decide whether

someone is up to the task before they acquire

the right not to be dismissed without good

reason.

The consultation confirms the Government’s

existing plan to make conversations about

settlement inadmissible as evidence in Unfair

Dismissal cases in certain circumstances.

Given that in many cases it is already possible

to have “without prejudice” discussions it is

unclear how this will take us any further

forward. And it won’t apply to, for example,

discrimination claims anyway - so unless

the employer is confident the only possible

allegation would be of Unfair Dismissal they

will not feel any more comfortable having this

kind of conversation than they do now.

It is proposed to simplify Compromise

agreements but the requirement will still be

for independent legal advice and although a

template agreement and letters are suggested

these are not going to be compulsory and

will still have to be tailored to the individual

cases.

The idea is to call them “Settlement

Agreements” rather than “Compromise

Agreements” on the basis that the use of the

word “compromise” may be putting people

off from using them because they do not want

to be seen to be giving in!

The final consultation is on reducing the cap

to the Compensatory Award from its current

level of £72,300.00 , possibly to 12 months’

salary.

Since very few people get anywhere near

either the cap or 12 months’ salary this all

seems rather academic. The hope is that

employers would be less worried about

Tribunal claims and that employees would be

more realistic if there was a lower cap. Given

that there is no cap on discrimination and

whistle blowing claims, all a lower cap would

be likely to achieve would be to lead to more

of those claims, which are more difficult and

costly for employers to defend.

One wonders whether the Government’s aims

could be achieved more easily by publicising the

facts about Employment Tribunals and by giving

employers the confidence to exercise the rights

they already have.

At our last branch Members meeting, it was

suggested by a Member that whilst the Branch

Officers and Committee were appointed at

the AGM, the Members knew very little of what

activities the Committee undertook for the benefit

of Members until the following AGM.

At meetings leading up to the AGM, I regularly

ask if anyone wishes to join our Committee and

it has not crossed my mind that Members may

not know what they are being asked to become

involved with. Having discussed the suggestion

at our September Committee Meeting, it was

agreed that the Member had a very valid point

and I was requested to write a short article for

our next newsletter to detail some of the major

items of work that we had undertaken so far this

year. I would envisage providing updates every

two months on relevant matters or more frequently

should it be necessary.

In addition to the monthly Members meetings,

since 1st January 2012 your Branch Committee

Members have been engaged in the following two

major projects:

1. Local Enterprise Partnership

Three committee members have been attending

meetings with the Black Country Consortium

(BCC), who provide the Secretariat for the Black

Country Local Enterprise Partnership (LEP). We

have discussed a number of matters that are of

concern to our Members and in particular:

• Sub contractors payment terms to be ring

fenced so that payments are “guaranteed”

where government projects are involved.

Small Firms Loan Guarantee conditions which

have an adverse effect upon small businesses.

• Mapping of business finance: including

a directory of available finance and the

availability of competitive charges to business

reflecting local knowledge.

• Procurement and tendering: the creation

of a business friendly Charter including

potential work involving a walk- through of

current systems with a view to recommending

improvements.

• Health Boards (following disbandment of

PCT’s): focus on buying policy and the use of

local suppliers.

Richard Ennis is Employment Law Partner at

Rees Page Solicitors in Wolverhampton

(rennis@reespage.co.uk 01902 577714)

Activities of your

Branch Committee

this year

We believed that we were making progress and

that the Small Business perspective was being

taken seriously having obtained some of the items

above being included in the LEP Operational Plan

for 2012/2013: BUT last week we found that one

of our Local Authorities was using a third party

for procurement that was working in opposition to

what we thought was moving forward. A meeting

is being held with BCC at the end of September to

discuss this and other matters.

2. South Staffs Water Consumer

Challenge Group

Your Branch Chairman was asked to become

a member of South Staffs Water Consumer

Challenge Group which is a body that has been

set up by South Staffs Water (SSW) to ensure

that the SSW’s business plan reflects a sound

understanding of customers’ views and whether

the phasing scope and scale of work required to

deliver outcomes is socially, economically and

environmentally sustainable.

Each water company in England has been

written to by OFFWAT requesting that they set

up a Customer Challenge Group for their area

to enable input into the process of setting water

charges.

Our work in this area is ongoing and will

culminate in a business plan submission by South

Staffs Water Ltd to OFFWAT in early spring 2013

with details of the final billing perspectives known

in November 2013.

We would encourage members to advise us of

any matters that they would wish to be brought

to the relevant local authority or LEP’s attention.

We will attempt to address concerns and should it

be felt necessary, to raise them with our National

Policy Committee.

Should any Member wish to join MEMBER the LOGO Committee

RESTRICTED USE

at the next AGM or discuss the activities of the

Committee before making a commitment please

contact me.

Ralph Tennant,

Branch Chairman,

Black Country Branch

FSB Legal Helpline 0845 0727 727 FSB Legal Info Online www.fsblegalinfo.org.uk

FSB BRAND GUIDELINES • PROFESSIONAL DESIGN & PRINT

MEMBER LOGO*

Consists of:

1) the laurel wreath r

2) type descriptor i.e.

directly below the

The type descriptor is a

Helvetica Neue Extra B

position and proportio

typeface usage is the s

corporate font (Futura)

brand consistency with

in-house production sp

NB: This logo is a

Members only for

advertising purpo

Size

To ensure maximum le

Logo at all sizes of ap

mended that the logo

12mm wide.

MIN. SIZE


PENSION WARNING

It is certainly no secret that the largest

employers will start to auto-enrol employees

into a ‘qualifying’ pension scheme from

1 October 2012. Some employers have

already started the process a few months

earlier to meet their staging date deadlines.

Whatever the size of their workforce it

would be prudent for employers to make

plans for the new requirements including

reviewing existing pension scheme designs,

considering the financial costs and putting

in place a business plan to ensure that a

potentially challenging process is in place to

deliver the detail on time.

Employers will need to ensure that the autoenrolment

compliance is working correctly

to identify and enroll eligible job holders

within the appropriate timescales. If these

responsibilities have been delegated to

a third party it will be important that the

delegated responsibilities are clear and

documented as the ultimate responsibility

for compliance lies with the employer,

therefore consideration should be given to

the governance processes and service level

agreements.

There does not appear to be anything in

this for the employer so if the employer is

going to capitalize on the benefit spend

on their auto-enrolled workers they will

possibly need to revise their employee

benefit communication strategies to engage

those who have not and do not appreciate

pension provision as an integral part of their

benefit package.

Wage incentives

Contrary to popular belief it is not plain

sailing for those employers who currently

sponsor pension schemes. Processes will

have to be changed and the investment fund

range may need to be revised. Charges

may have to be reviewed as an increase

in scheme membership will not necessarily

mean a lower pension fund charge.

I am sure that many pension scheme

members will end up with a number of

relatively small Defined Contribution (DC)

pots so it will not only be the pension

schemes that will have to be reviewed but

the whole retirement processes.

Many functions will be involved in the

ultimate process and a lot of work will need

to be completed before employers can

rest easy knowing that they have met their

regulatory duties. Advisers are about to get

very busy so if employers have not already

done so, I suggest that employers start their

processes sooner rather than later.

If you would like more information contact

Torquil Clark on 0800 294 7199. Tax

treatment depends upon individual

circumstances which may also change in the

future.

(May we remind you that, as a right of your

FSB membership, you can access advice

through your FSB Tax and Legal protection

scheme. Please call 08450 727727 for

further information.)

Employers who take on young people may be eligible for wage incentives of up to £2,275

each.

Wage incentives are available for employers across England Scotland and Wales who

can offer an 18 -24 year old a job through the Work Programme or Jobcentre Plus for

employers who take on a young person living in one of 20 local authority areas, including

Dudley, Sandwell, Walsall and Wolverhampton. The wage incentive is available if you

employ someone for 16 hours or more each week in a job lasting more than 26 weeks.

There are two rates:

• for part-time work between 16 and 29 hours a week – £1,137.50

• for full-time work of 30 hours or more a week – £2,275

This will be paid 26 weeks after the employee starts work. Small businesses with fewer than

50 employees can claim a part payment eight weeks after the employee starts work.

FSB web site http://www.fsb.org.uk

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NEW MEMBERS

A J P Valeting .........................................................................................Kingswinford

All N All IT & Electrical Solutions ......................................................................Walsall

B D Healthcare Ltd ....................................................................................... Oldbury

Banner Fire & Security Ltd ................................................................... Wolverhampton

Bannway Eng Ltd ......................................................................................Stourbridge

Cherish Healing ......................................................................................Wednesbury

F A Hatch & Co.............................................................................................. Dudley

Facilities & Maintenance Engineering Ltd ....................................................Stourbridge

Fast Biz Apps ............................................................................................ Halesowen

Food Management Solutions Ltd .......................................................................Bilston

Hammond Hill Ltd ....................................................................................Stourbridge

Holmes Electrical .......................................................................................... Oldbury

Julia Tolson Family Solicitor .......................................................................Stourbridge

M & M Mouldings (West Midlands) Ltd .............................................................Walsall

Mark Gauden Accounting ...........................................................................Willenhall

M J Waldron Commercial Insurance Services Ltd .......................................Kingswinford

Opus Planters ............................................................................................Willenhall

Pet Patter ........................................................................................................Bilston

Promise IT Management Ltd ......................................................................Stourbridge

SGUK Ltd ......................................................................................... Wolverhampton

Start 2 Finish Couriers Ltd..........................................................................Brierley Hill

Straits Mobility Services Ltd ......................................................................Kingswinford

Summerhill Bathrooms ..............................................................................Brierley Hill

Swimming Teachers Association .......................................................................Walsall

Unique Bodyworx ...........................................................................................Walsall

FSB Black

Country Branch

AGM

Wednesday 14th November 2012

To be held at The Lodge,

Wellington Road,

Dudley, DY1 1RD

Branch Secretary:

Michelle McAuliffe

Registration from

6.30pm, start 7.00pm

Book online

Next

Meeting:

10th October 7.30pm

Motiv8 Development - Is your

personality losing you business?

MEMBER LOGO RESTRICTED USE

SHOW YOU’RE A MEMBERMIN.

SIZE 12mm

Don’t forget to use the FSB logo on all printing and advertising material

by using the logo which you can obtain from the FSB website:

http://www.fsb.org.uk/default.aspx?id=24&loc=general

You will need your FSB membership number and password/vcode from

your membership card to log in and follow instructions on how the logo

should be used.

FSB HEAD OFFICE

01253 336000

Your branch contacts are:

Ralph Tennant,

Branch Chairman

01746 716491

Lynne Tennant,

Vice-Chairman

01746 716491

Jim O'Neil, Vice-Chairman

01384 377779

Michelle McAuliffe,

Secretary

07951 831351

michellemac@blueyonder.co.uk

David Dunn, Treasurer

01384 442821

Barrie Blackmore,

committee member

SHEET 1D

01384 839196

FSB BRAND GUIDELINES • PROFESSIONAL DESIGN & PRINT 2010 V1.7

FSB Staffordshire

& West Midlands

Regional AGM

Wednesday 21st November 2012 -

Registration from 6.00 p.m., AGM to

start at 7.00 p.m. Prompt

Birchfield Harriers, Perry Barr,

Birmingham, B42 2LR

The primary function of the AGM is to elect

the Regional Officers and the two Directors

representing the Region nationally for the

forthcoming year.

For further information please contact the

Regional Secretary,

Pauline Taylor on Tel: 0121 605 2903,

Email: paulinegtbarr@gmail.com

Book online

Development Manager–

Staffs & West Midlands

Karen Woolley

01332 517176

karen.woolley@fsb.org.uk

MEMBER LOGO*

Consists of:

1) the laurel wreath roundel AND

2) type descriptor i.e.‘MEMBER’ centred

directly below the roundel as shown.

DON’T The type descriptor is always to be set FORGET

in

Helvetica Neue Extra Black Condensed in the

Got a position problem and proportions with indicated. HM This Revenue & Customs?

typeface usage is the sole exception to the

corporate font (Futura) in order to maintain

Ring the FSB Legal Helpline first,

brand consistency with FSB website and

in-house production specifications.

BEFORE you take any action

NB: This logo is available to FSB

Members only for marketing and

advertising purposes. 0845 0727 727

Size

To ensure maximum legibility of the Member

Logo at all sizes of application, it is recommended

that the logo is not used below

12mm wide.

FSB BRAND GUIDELINES • PROFESSIONAL DESIGN &

MEMBER LOGO RESTRICTED USE

Whilst every care has been taken in the compilation of this publication, errors or omissions are not the responsibility of the Federation of Small Businesses and opinions expressed are those of the authors

and are not necessarily the policy of the Federation. The Federation does not guarantee or endorse or accept any liability in respect of any goods and/or services promoted or advertised in this publication.

This newsletter is produced by the committee of the Black Country Branch of the Federation of Small Businesses for members of the Federation. The speaker does not represent the views of the FSB.

* NB: Vector EPS and jpeg artwork of the member logo above is readily available on request in both mono and CMYK/spot variations.

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2) ty

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NB:

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Size

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