TBV-Newsletter-Feb19-full

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& events!
www.southwalesbusiness.co.uk
FEBRUARY
2019
www.twitter.com/TorfaenBiz
www.facebook.com/TorfaenEnterprise
Torfaen Economy & Enterprise
BUSINESS FINANCE
NEXT EVENT
Thursday 21st March 2019
5:00PM

Notes from
our chairman
As this is the first issue of our newsletter in 2019 can I take
the opportunity to welcome our new members and thank our
existing members for renewing. We have had a very
successful start to the new Year with a number of new
businesses joining and I look forward to meeting all of you
during our series of meetings.
We have tried to keep our membership rates as competitive
as possible and with yearly membership starting at £48 for 2
places at each of our 4 main events, new businesses can
join without having to break the bank. The more members we
have the better the opportunities for all, so its worth encouraging
businesses you have links to, or just like, to join.
Dates for your diary
21/03/19- Torfaen Business Voice - 5pm
20/06/19 - Torfaen Business Voice - 5pm
19/09/19 - Torfaen Business Voice - 5pm
05/12/19 - Torfaen Business Voice - 5pm
All of our quarterly events are held at
Greenmeadow Golf and Country Club,
Cwmbran
Our next
event
Our first meeting is Thursday 21th March, 5pm Greenmeadow
Golf Club, and we are very pleased to announce that Green &
Co Accountants and Tax Advisors is sponsoring our first event
of 2019.
Awarded UK’s Medium Practice of the Year 2018, Green & Co
have two main aims for their clients, to help them achieve their
goals and to give proactive advice to minimise their tax bill.
The topic of this edition is “finance and being prepared for the
future” which given the unpredictable political landscape is as
timely as it will ever be.
I’m grateful to Green and Co who are sponsoring our March
event and who will talk about the governments new “making
tax digital” regime (also known to some as making tax difficult)
although I’m sure they can guide us though the mire.
Ashley Harkus
Chairman, Torfaen Business
Voice
Not a member? Why not
join and come along?
Call 01633 648644
Email: info@southwalesbusiness.co.uk
Click on the following link:
http://bit.ly/TBV-business-club
With Making Tax Digital just around the corner, Green & Co
will be giving a breakdown on what’s changing and an update
following this year’s Spring Budget. Following this talk will be
a few rounds of facilitated networking.
Members are entitled to 2 free places at this event, so make
sure you bring along a colleague, client or business contact
so that we can provide each other with valuable connections
for our businesses.
Members of Torfaen Business Voice can also bring along a
Pop Up banner – please indicate if you are bringing yours on
the electronic booking form.
To book, please use the following link:
http://bit.ly/tbv-march2019
IN THIS EDITION:
PAGE 4
Making Tax Digital
PAGE 5
Business readiness for
Brexit
PAGE 7
Business Pop Ins
2
TORFAEN BUSINESS VOICE | FEBRUARY 2019 NEWSLETTER

Will Making Tax Digital Make Tax
Difficult?
The deadline of 1st April 2019 is rapidly approaching. How
should business owners be feeling about Making Tax Digital
(MTD)? Is it something to fear? Something to lose sleep
over? Or are there positives to be embraced as we move
towards this new era of online business taxation.
MTD is the biggest change to the UK taxation system for
many years. The aim is to provide businesses with a more
effective, efficient system which is easier to use and
provides information in real time, allowing for more accurate
decision making. By 2020 a fully digital system will be in use
for all tax payers. It will mean that tax can be paid at any time
of the day or night and at any point in the year. This is the
vision for a modern tax system which should be accessible
to all. In a nut shell, it changes how businesses pay their
taxes to HMRC.
MTD begins this April for businesses who are registered for
VAT and have a turnover of more than £85,000. It remains
voluntary for businesses who are under the VAT threshold
until 2020 at the earliest.
The four key provisions of MTD have been set out by HMRC:
Information holding
Tax payers will only need to provide HMRC with the
information it really needs which it cannot obtain from other
sources. Digital records can be viewed at any time by the
tax payer and reviewed for accuracy. This online holding of
information will ensure that each tax payer receives an
individually tailored service.
Real time
Calculations of tax will be done in real time. This will mean
errors can be reduced and tax payers are more informed of
their tax position, both in terms of current tax payable or any
entitlements. This should reduce the building up of tax due or
repayments owed.
Single account
Never before has it been possible to view all your tax
liabilities and entitlements in one place. This is a new
provision and should provide customers with a comprehensive
picture of their business position.
Digital interaction with
HMRC
Via the customer’s own digital account; interaction with
HMRC will be possible at a time of day to suit the individual.
So what preparations are
required?
The key preparation is to move record keeping on to a digital
system that is compatible with the upload required by
HMRC. Information will be required by HMRC four times a
year via your digital account. This is like accessing your bank
account online.
The software you choose to use must enable two-way
communication. Manual processes and spreadsheet record
keeping will need to be moved across to a digital way of
working. Advice is available from HMRC as to which
approved software supplier would suit your business needs.
You will need to review current processes and train staff to
use the new software.
This might seem like an onerous task, but the benefits of
moving over to a digital system will be a far greater understanding
of your business position including what entitlements
and liabilities you have. These changes should mean
less paperwork, a clearer view of your tax liability and,
potentially through greater organisation, an opportunity to
lower your tax bill.
Should you wish to continue to use spreadsheets then bridging
software will enable you to upload your VAT calculations
to HMRC.
By being organised with your preparation and processes a
lot of time can be saved at the end of the year gathering
information and sorting records. By having all your information
in one place you will be able to better plan for your tax
bill and monitor cash flow. The key is to be set up in the right
way from the outset.
Accountants such as Green & Co are happy to offer advice
and support to any business unsure how it should plan for
MTD. They have the expert knowledge and software links to
enable you to make a smooth transition to this new system
of online record keeping. Green & Co recommend using
Xero and are Xero Gold partners, which allows clients to
access support every step of the way.
TORFAEN BUSINESS VOICE | FEBRUARY 2019 NEWSLETTER 3

Making Tax Digital: 7 common
myths busted
Confused about Making Tax Digital (MTD)? Don’t worry,
here’s a quick guide that will shed some light on the
biggest change to tax in the UK for a generation and
clear up some of the myths that you might have heard.
Myth 1. Making Tax Digital has
been postponed
The roll-out of MTD is already well underway and the first
major phase of the initiative, MTD for VAT, is set to begin on
1st April this year. Under MTD for VAT, businesses with a
turnover above the VAT threshold will have to keep digital
records and submit quarterly VAT returns using MTD-compatible
software.
HMRC has also said it will look to widen the scope of Making
Tax Digital to include Income Tax and Corporation Tax from
2020.
Myth 2. Making Tax Digital is
hugely unpopular
A change as big as Making Tax Digital is bound to bring out
strong opinions on all sides; however, the evidence points to
people feeling positive about the prospect of a new digital tax
system. In FreeAgent’s 2017 survey of small business
owners who have already digitised their bookkeeping, nearly
half of the respondents said they felt positively about MTD,
compared with just 11% who felt negatively.
Myth 3. A digital tax system will be
far too technical for most people
Millions of businesses already manage tax online with 99% of
VAT returns, 98% of Corporation Tax returns and 86% of Self
Assessment returns currently submitted online.
Even if you’re one of the 14% who don’t submit their Self
Assessment tax returns online, HMRC has promised
prompts, advice and support throughout that will make
navigating your digital tax account as simple as possible.
Web chat is already available via your digital tax account so
you can chat to HMRC at a time that suits you and hopefully
never have to listen to that wretched hold music on deadline
day ever again!
4
TORFAEN BUSINESS VOICE | FEBRUARY 2019 NEWSLETTER
Myth 4. My spreadsheet is just as
good as any digital tax software
Spreadsheets are great for some tasks, but have you ever
JULY - AUGUST
tried accounting software and compared the two? You’ll soon
find that a powerful accounting system goes far beyond
anything that even the most complex spreadsheet can
manage.
Your spreadsheet could also be feeding you false information.
According to research by MarketWatch, 88% of spreadsheets
contain errors and there are plenty of spreadsheet
horror stories from big companies that will be likely to cause
concern. With the accuracy of financial figures the cornerstone
of any good business plan, do you really want to take
any risks?
Myth 5. HMRC will provide free
software that I can use
HMRC has confirmed that it will not be providing software
directly. This really means that the onus is on you to find a
digital accounting solution that works for your business. With
little time left before you need to transition to digital record
keeping for MTD for VAT, and just over a year for Income Tax
and Corporation Tax, now is the time to start looking.
Myth 6. Making Tax Digital means
I’ll need to keep extra records
As the goal of Making Tax Digital is to simplify the UK’s tax
system for everyone involved, businesses will not need to
keep any more records than they do already. HMRC has
confirmed this, adding that the digitisation of business
records will contribute to reduce business burdens by £400m.
With this goal in mind, forcing businesses to keep extra
records would be counterproductive.
Myth 7. Digital record keeping is
going to be a huge hassle
In FreeAgent’s 2017 survey of small business owners,
customers reported that switching to FreeAgent’s accounting
software saved them a day a month on average, compared to
their previous bookkeeping method. Nine out of ten of their
customers also said using FreeAgent makes them feel more
relaxed about managing their business finances.
It might take a little bit of time to get used to new software but
when you do you’ll reap the rewards. Being able to see your
tax liabilities build up over time prevents any nasty last-minute
surprises, while many of the other time-consuming parts
of daily business admin, such as chasing unpaid invoices,
are automated. FreeAgent also currently enables sole
traders and limited company directors to fill and file their Self
Assessment tax return directly to HMRC from the software.
Looking to get sorted for Making Tax Digital?
FreeAgent’s MTD-compatible accounting software is free for all
NatWest business banking customers.

Business Wales Brexit Portal
Assess your business readiness for Brexit
How prepared is your business?
This tool will take you through six key business areas:
1. Business Strategy and Operations
2. Innovation
3. Sales and Marketing
4. Export
5. People Management
6. Finance
There are only four questions in each area to assess your
business’ readiness for Brexit, the information is updated
regularly to give you the ever changing picture.
You will receive a report of your assessment with further
support and guidance available to you.
Brexit Resilience Fund by Welsh
Government
The Welsh Government has formally launched a £1million
Brexit Resilience Fund which is available to Welsh businesses,
to help them adapt to the changes in a post-Brexit Welsh
economy.
Business Wales is offering eligible businesses the opportunity
to apply for funding of between £10,000 and £100,000 to
develop capacity, retain competitiveness and help safeguard
jobs.
The Business Wales Brexit Resilience Fund is open to
SEPTEMBER
applications until 31st March 2020, funds permitting.
No-deal Brexit advice published for
businesses
The Department for Exiting the European Union has
published guidance for businesses explaining what their
legal obligations are in the event of a no-deal Brexit. The
guidance
OCTOBER
covers topics including EU funding, exporting,
transport, business regulations, consumer rights and
workplace rights.
Read more about the guidance at:
https://www.gov.uk/government/collections/how-toprepare-if-the-uk-leaves-the-eu-with-no-deal
Brexit Resilience Event
Tuesday 12th March at 8am
At Blaenau Gwent General Offices, Steel
Works Road, Ebbw Vale, Blaenau Gwent.
South Wales Chamber of Commerce together with Business
Wales and Welsh Government, we will be hosting a panel
led event with experts to help you through the Brexit
process. Find out what support is available to you. Free to
attend but booking is essential.
https://southwaleschamber.co.uk/event/brexit-resilliance-event/
To apply, businesses must:
• be registered to trade in Wales.
• register with Business Wales and complete the Brexit Toolkit
(https://businesswales.gov.wales/brexit/) on application.
• be able to demonstrate that the funding will contribute to
safeguarding jobs.
• have been trading for 12 months or more on the day of
application.
For further information and to apply please call 03000 6
03000 where you will be put in touch with an adviser to
complete the application process.
TORFAEN BUSINESS VOICE | FEBRUARY 2019 NEWSLETTER 5

Freedom or Slavery?
Matt Preece, of Business Doctors, writes about finding
freedom through maximising value.
George Orwell pronounced that,
‘Freedom is slavery.’
Nowhere is this more true than in the realm of business.
Setting up a new company requires a leap of faith. And that
leap is often prompted by a desire for freedom: freedom from
the straitjacket of the 9-5 grind; freedom from being
micro-managed; freedom from following someone else’s
direction. Escaping into a world driven solely by your own
ambition, where you can experience the adrenaline rush of
taking risks; the excitement of building something new; the
truly satisfying sense of achievement, can be attractive
beyond measure.
So what to do next? Well maximising value enables you to
claw back your personal freedom, the freedom to choose
SEPTEMBER
whether you devote all your time to driving business success,
find more time for family and leisure or – whisper it - holidays
or whether indeed you make the ultimate decision to sell.
OCTOBER
Finally, in your dreams, after a rewarding business journey,
you arrive at your final destination, sell the company and
retire to the sun.
However, before this happens, you have to work on the
business before it works for you. That can often result in you,
as the owner, being all things to all people. You end up being
in charge of finance, marketing, policy writing, systems and
processes, web site, social media, customer service – the list
goes on and on and on…
And then there’s networking. It’s enjoyable. Sometimes
valuable; sometimes not. It gets you out of the office. But it
takes acres of time and there’s so much else to do.
You get to the point where your revenue reaches a plateau.
You want to scale up but you simply don’t have the time to
address it. You’re way too busy. The freedom you dreamed of
has long gone. Instead you are constrained by day to day
responsibilities, worn down by exhaustion, unable to sleep
worrying about what to do next.
At this breaking point you are no longer in control. Your
company is like a hungry mouth constantly demanding food.
It’s in charge, not you. Things need to change.
Sadly you’ve been forced into making a choice. You can
focus on growing the business by selling more products or
services, hiring staff, learning to delegate or you could decide
to sell the company. Either way you need to maximise value.
But – and it’s a big but -you find the business isn’t worth what
you thought. And the reason? You. Naturally you are the hub,
but unfortunately you have made yourself into the spokes as
well. Without you the business falls apart. So if you’re not
there, it’s worth very little. If anything.
The ‘what’ is the easy part. You need to scale up, improve
your cash flow and increase profits, remembering of course
that profits don’t always equate with value. You need to align
with your most valuable customers, concentrate on renewable
revenue and make sure that products or services do not
depend solely on you. Your company needs to be self-reliant,
not dependent on any particular customer, employee or
supplier. With that scenario you not only add value, you also
address that work/life balance; find time for family and those
dimly remembered hobbies.
The ‘how’ is more complex. All too often it’s a mistake to
over-adapt your product or service to suit each customer. It
may seem a good idea to respond to customer demand but
accommodation results in too thin a spread; you can lose
sight of your initial, niche offering; your raison d’être. Better to
sell less stuff to more people. This will give you more control
over pricing and ultimately higher margins and more money
for marketing. Then ensuring contented customers is a given,
as is measuring and benchmarking satisfaction levels.
So rather than wait for that breaking point, mentioned earlier,
take the company by the scruff of the neck and wrest control
from it now. Then you have clear options; ones that you
choose, not ones that are thrust upon you.
That’s where true freedom lies.
6
TORFAEN BUSINESS VOICE | FEBRUARY 2019 NEWSLETTER

National Minimum
Wage 2019
Auto Enrolment
Pension Schemes
The National Minimum Wage (NMW) is the minimum wage
per hour a worker is entitled to in the United Kingdom. These
rates are reviewed yearly by the government and are advised
by the independent body Low Pay Commission (LPC). As an
employer these changes will affect how you pay your employees
from April 2019.
The employer’s contribution rates for those on Auto Enrolment
pension schemes will also increase, with employers
needing to contribute a minimum of 3% with total contributions
equaling 8%.
From April, the employer will need to contribute a
minimum of 3% with the total contribution equaling 8%,
meaning the employee will usually need to contribute the
5% themselves.
£
£
Of course, employers can chose to contribute more than the
3% minimum should they wish to, as long as the total contribution
reaches 8%.
With these increased costs, did you know employers can
claim up to £3,000 per year off their National Insurance bill if
they qualify for Employment Allowance?
£
For example workers aged 25 and over will be increasing
from £7.83 to £8.21 per hour.
You can find more information at:
https://www.gov.uk/national-minimum-wage-rates
£
£
Since 2010 the minimum wage has increased by 38% for
workers aged 25 and over, so it’s important to plan ahead for
the changes. You might need to look again at how much you
charge for the goods and services you provide, or look to find
savings and efficiencies elsewhere in your business.
Torfaen Business Pop Ins
These claims can be backdated to the 2014/15 tax year if they
have not been previously claimed and you are entitled to do
so. So don’t miss out on investigating your options further at
https://www.gov.uk/claim-employment-allowance
Are you pre start up, start up or
established businesses in need
of our help?
Why not come along to our business support sessions, to ensure
your business success with our Torfaen Economy & Enterprise team.
Sessions will take place at Cwmbran Library, Cwmbran Town Centre,
NP44 1XQ on the following dates between 10:00am and 2:00pm:
19th
March
9th
April
14th
May
11th
June
9th
July
For further information e-mail: info@southwalesbusiness.co.uk
Telephone: 01633 647800 www.southwalesbusiness.co.uk
TORFAEN BUSINESS VOICE | FEBRUARY 2019 NEWSLETTER
7

Meet the
member
What exactly does a freelance writer do and how can I help
your business? These are questions I am often asked.
I provide quality content and copywriting to help businesses
connect with their customers. All businesses are aware of the
need to create a brand identity, vibrant visuals and a social
media presence in an increasingly competitive market. However,
the accompanying text is often overlooked. I offer a
range of writing services including search engine optimised
website content, blogs and articles.
I started my business in December 2017. Before becoming a
freelance writer, I was a secondary school English teacher and
a former head of the English department. I have a Bachelor of
Arts Degree in English and a Master’s Degree in Education.
My magazine articles have appeared in a variety of publications
including ‘The Abergavenny Focus’ and ‘Living Wales’. I
also write a regular monthly feature about walking which is
published in the ‘Bwrdd’ newsletter for Wales in ‘Mensa Magazine’.
The outdoors category of my blog (www.rachaelbird.com) is
listed on the website for TGO (The Great Outdoors) Magazine.
The TGO Blogger Network is the UK’s best network of
outdoor-themed blogs.
We would like to thank our contributors:
I can write the text for your blogs, articles, leaflets, brochures
and website to support you with promoting your business so
you don’t have to worry about finding the time in your hectic
schedule. I offer a range of packages that can be customised
to match your requirements.
I can also write speeches for your promotional presentations
or scripts for marketing videos.
If you write your own content but you would just like a second
opinion, I provide a range of proofreading and editing
services.
When working with me, you will be dealing with me directly.
There is no complicated communication structure. Therefore,
the process is simple from start to finish.
If you are interested in any of the writing expertise I can offer,
please do not hesitate to contact me to discuss your requirements.
I can provide you with a free, no obligation quotation.
I am based in Abergavenny and I am looking forward to
working with local businesses to help you succeed.
For further information, please contact Rachael Bird –
Freelance Writer.
Rachael Bird B.A. (Hons), M. Ed.
07789 274808
enquiries@rachaelbird.com
Rachael Bird
Freelance Writer
New members
Advanta Group Ltd
https://www.advantamanufacturing.com
Penrhiwgyngi Farm Bakery
https://www.facebook.com/penrhiwgyngi/
RWR Recruitment
https://www.rwrrecruitment.co.uk/
Sweet Remedies
https://www.sweetremedies.co.uk/
The Vintage Vegan Catering Company
http://thevintagevegancateringcompany.com/
Ultimate Tinting South Wales
http://www.ultimatetinting.co.uk
WeKlean
https://www.weklean.co.uk/
Wize Virtual Admin
www.wizevirtualadmin.co.uk
Xcel Xpert
www.xcelxpert
8
TORFAEN BUSINESS VOICE | FEBRUARY 2019 NEWSLETTER

Tanysgrifiwch i’n newyddion
a’n digwyddiadau!
www.southwalesbusiness.co.uk
CHWEFROR
2019
www.twitter.com/TorfaenBizCymru
www.facebook.com/TorfaenEnterprise
Torfaen Economy & Enterprise
CYLLID BUSNES
DIGWYDDIAD
NESAF
Dydd Iau 21 Mawrth 2019
5:00PM

Nodiadau’r
Cadeirydd
Gan mai dyma rifyn cyntaf ein cylchlythyr yn 2019, hoffwn
gymryd y cyfle i groesawu ein haelodau newydd a diolch i’r
aelodau presennol am adnewyddu. Rydym wedi cael
cychwyn llwyddiannus iawn i’r flwyddyn newydd gyda nifer o
fusnesau newydd yn ymuno ac edrychaf ymlaen at gyfarfod
pob un ohonoch yn ystod ein cyfres o gyfarfodydd.
Rydym wedi ceisio cadw ein cyfraddau aelodaeth mor
gystadleuol ag y bo modd a chydag aelodaeth blwyddyn yn
dechrau ar £48 ar gyfer 2 le ym mhob un o’n 4 prif ddigwyddiad,
gall busnesau newydd ymuno heb dorri’r banc. Po fwyaf
nifer yr aelodau, y gorau fydd y cyfleoedd i bawb, felly mae
werth annog busnesau y mae gennych gysylltiad â nhw, neu
fusnesau rydych yn eu hoffi, i ymuno.
Dyddiad i’ch dyddiadur
21/03/19- Llais Busnes Torfaen - 5pm
20/06/19 - Llais Busnes Torfaen - 5pm
19/09/19 - Llais Busnes Torfaen - 5pm
05/12/19 - Llais Busnes Torfaen - 5pm
Pwnc y rhifyn hwn yw “cyllid a bod yn barod at y dyfodol” a
fydd, o ystyried yr hinsawdd wleidyddol anrhagweladwy hon,
mor amserol ag y gall fod.
Rwy’n ddiolchgar i Green and Co sy’n noddi ein digwyddiad ym
mis Mawrth ac a fydd yn siarad am drefniadau newydd
‘gwneud trethi’n ddigidol’ y llywodraeth (hefyd yn cael ei alw’n
‘gwneud trethi’n anodd’ gan rai) er rwy’n siŵr y medrent ein
harwain trwy’r picil.
Ashley Harkus
Cadeirydd, Llais Busnes
Torfaen
Ddim yn aelod? Beth am ymuno
â ni a dod i’r digwyddiad?
Ffoniwch 01633 648644
E-bost: info@southwalesbusiness.co.uk
Cliciwch ar y ddolen ganlynol:
http://bit.ly/TBV-business-club-cy
Greenmeadow Golf and Country Club,
Cwmbran
Ein Digwyddiad
Nesaf
Mae ein cyfarfod cyntaf ar Ddydd Iau 21ain Mawrth, 5pm
Clwb Golff Greenmeadow, ac rydym yn falch iawn o gyhoeddi
bod Cyfrifwyr a Chynghorwyr Treth Green & Co yn noddi ein
digwyddiad cyntaf yn 2019.
Gyda Gwneud Trethi’n Ddigidol rownd y gornel, bydd Green
& Co yn rhoi esboniad o’r hyn a fydd yn newid a diweddariad
ar ôl Cyllideb y Gwanwyn eleni.
Bydd dwy rownd o rwydweithio wedi’i hwyluso, ac yna rhwydweithio
anffurfiol dros y bwffe.
Galla aelodau o Lais Busnes Torfaen ddod â baner sbonc
gyda nhw hefyd – a wnewch chi nodi ar y ffurflen bwcio
electronig os fyddwch yn dod ag un gyda chi.
Wedi ennill gwobr Practis Canolig ei Faint y Flwyddyn yn y
DU, mae gan Green & Co ddau brif nod ar gyfer eu cleientiaid,
i’w helpu i gyflawni eu hamcanion a rhoi cyngor iddynt i
ostwng eu bil treth.
ARCHEBWCH EICH LLE yn y digwyddiad hwn:
http://bit.ly/tbv-mawrth-2019
YN Y RHIFYN HWN:
TUDALEN 4
Gwneud Treth yn
Ddigidol
TUDALEN 5
Paratoi Busnes ar gyfer
Brexit?
TUDALEN 7
Sesiynau galw-i-mewn
Busnes Torfaen
2
CYLCHLYTHYR (CLWB) LLAIS BUSNES TORFAEN | CHWEFROR 2019

A fydd Gwneud Trethi’n Ddigidol yn
gwneud Trethi’n Anodd?
Mae’r dyddiad 1af Ebrill 2019 yn dod yn nes. Sut ddylai perchnogion
busnes deimlo am Wneud Trethi’n Ddigidol (MTD)? A
yw’n rhywbeth i’w ofni? Neu oes yna elfennau cadarnhaol i’w
croesawu wrth i ni symud tuag at yr oes newydd hon o drethi
busnes arlein.
MTD yw’r newid mwyaf i’r system drethi yn y DU am lawer o
flynyddoedd. Y nod yw rhoi system fwy effeithiol, effeithlon i
fusnesau sy’n haws ei defnyddio ac yn darparu gwybodaeth
mewn amser go iawn, gan ganiatáu cymryd penderfyniadau
cywirach. Erbyn 2020, bydd system ddigidol lawn yn cael ei
defnyddio ar gyfer pawb sy’n talu trethi. Mae’n golygu y gellir
talu trethi unrhyw adeg o’r dydd a’r nos ac ar unrhyw bwynt yn
y flwyddyn. Dyma’r weledigaeth ar gyfer system drethi fodern a
ddylai fod yn hygyrch i bawb. Yn gryno, mae’n newid sut mae
busnesau’n talu eu trethi i CThEM.
Mae MTD yn dechrau ym mis Ebrill eleni i fusnesau sydd wedi
eu cofrestru ar gyfer TAW a chyda throsiant o fwy na £85,000.
Mae’n parhau i fod yn wirfoddol ar gyfer busnesau dan y
trothwy TAW tan 202 ar y cynharaf.
Mae pedair egwyddor MTD wedi eu nodi gan CThEM:
Cadw gwybodaeth
bydd ond angen i dalwyr trethi ddarparu i CThEM yr wybodaeth
y mae wirioneddol ei hangen na fedr ei chael o ffynonellau
eraill. Gellir gweld cofnodion digidol ar unrhyw adeg gan y
talwr trethi a’u hadolygu er mwyn cael cywirdeb. Bydd cadw
gwybodaeth arlein fel hyn yn sicrhau bod pob talwr trethi yn
derbyn gwasanaeth wedi ei deilwra’n unigol.
Amser go iawn
bydd cyfrifiadau trethi’n cael eu gwneud mewn amser go iawn.
Mae hyn yn golygu y gellir lleihau nifer y camgymeriadau a
bydd talwyr trethi yn gwybod mwy am eu sefyllfa drethi, o ran
trethi sy’n daladwy nawr neu unrhyw hawliau. Dylai hyn leihau
faint o drethi sy’n cronni neu ad-daliadau sydd i’w gwneud.
Cyfrif sengl
nid yw erioed wedi bod yn bosibl gweld eich holl ddyledion
a’ch hawliau mewn un lle o’r blaen. Mae hon yn ddarpariaeth
newydd a dylai roi darlun cynhwysfawr i gwsmeriaid o sefyllfa
eu busnes.
Felly, beth sydd angen ei
wneud i baratoi?
Y gwaith paratoi allweddol yw symud cofnodion a gedwir i
system ddigidol sy’n gydnaws gyda’r lanlwytho sydd ei
angen gan CThEM. Mae hyn yn debyg i fynd i’ch cyfrif banc
arlein.
Rhaid i’r feddalwedd a ddefnyddiwch alluogi cyfathrebu
dwyffordd. Bydd angen symud prosesau gweithio â llaw a
chadw cofnodion ar daenlenni i ddull digidol o weithio. Mae
cyngor ar gael gan CThEM o ran pa gyflenwr meddalwedd a
fyddai’n addas i’ch busnes chi. Bydd angen i chi adolygu
prosesau presennol a hyfforddi staff i ddefnyddio’r feddalwedd
newydd.
Gall hyn ymddangos fel tasg feichus, ond bydd symud i
system ddigidol yn golygu bod gennych well dealltwriaeth o
sefyllfa eich busnes gan gynnwys pa hawliau a dyledion
sydd gennych. Dylai’r newidiadau hyn olygu llai o waith
papur, gweld eich dyledion trethi yn well ac, o bosib gyda
mwy o drefnu, cyfle i leihau eich bil trethi.
Os ydych eisiau parhau i ddefnyddio taenlenni, yna bydd
meddalwedd pontio yn eich galluogi i lanlwytho eich cyfrifiadau
TAW i CThEM.
Trwy fod yn drefnus gyda’r gwaith paratoi a’ch prosesau,
gellir arbed llawer o amser ar ddiwedd y flwyddyn yn casglu
gwybodaeth a didoli cofnodion. Trwy gael yr holl wybodaeth
mewn un lle, medrwch gynllunio yn well ar gyfer eich bil
trethi a monitro llif arian. Yr allwedd yw bod yn barod yn y
ffordd briodol o’r cychwyn.
Mae cyfrifwyr megis Green & Co yn hapus i gynnig cyngor a
chymorth i unrhyw fusnes nad yw’n sicr sut y dylai gynllunio
ar gyfer MTD. Mae ganddynt yr wybodaeth arbenigol a’r
dolennau meddalwedd i’ch galluogi i symud yn llyfn i’r
system newydd hon o gadw cofnodion arlein. Mae Green &
Co yn argymell defnyddio Xero ac maent yn bartneriaid Xero
Gold, sy’n caniatáu i gleientiaid gael cymorth bob cam o’r
ffordd.
Rhyngweithiad digidol gyda
CThEM
trwy gyfrwng cyfrif digidol y cwsmer ei hun; bydd modd
rhyngweithio gyda CThEM ar unrhyw adeg o’r dydd sy’n
gyfleus i’r cwsmer.
CYLCHLYTHYR (CLWB) LLAIS BUSNES TORFAEN | CHWEFROR 2019
3

Troi Treth yn Ddigidol: chwalu 7 o’r
mythau cyffredin
Wedi'ch drysu ynghylch Troi Treth yn Ddigidol? Peidiwch
â phoeni, dyma ganllaw cyflym i daflu rhywfaint o
oleuni ar y newid mwyaf i dreth yn y DU ers cenhedlaeth
a chwalu rhai o'r mythau y gallech fod wedi eu clywed.
Myth 1. Mae Troi Treth yn Ddigidol
wedi ei ohirio
Mae cyflwyno camau i Droi Treth yn Ddigidol wedi hen
gychwyn a bydd cam allweddol cyntaf y fenter, Troi Treth yn
Ddigidol gyfer TAW, yn dechrau ar 1 Ebrill eleni. O dan Troi
Treth yn Ddigidol ar gyfer TAW, bydd yn rhaid i fusnesau â
throsiant uwchlaw'r trothwy TAW gadw cofnodion digidol a
chyflwyno ffurflenni TAW chwarterol gan ddefnyddio meddalwedd
cydnaws.
Mae CThEM hefyd wedi dweud y bydd yn ceisio ehangu
cwmpas Troi Treth yn Ddigidol i gynnwys Treth Incwm a
Threth Gorfforaeth o 2020.
Myth 2. Mae Troi Treth yn Ddigidol
yn hynod o amhoblogaidd
Mae newid mor fawr â Throi Treth yn Ddigidol yn sicr o ennyn
safbwyntiau cryf ar bob ochr; fodd bynnag, mae'r dystiolaeth
yn awgrymu bod pobl yn teimlo'n bositif am y posibilrwydd o
gael system dreth ddigidol newydd. Yn arolwg FreeAgent’s
2017 i berchnogion busnesau bach sydd eisoes wedi
digideiddio’u system cadw cyfrifon, dywedodd bron i hanner
y rhai a ymatebodd eu bod yn teimlo’n bositif am Droi Treth
yn Ddigidol, o gymharu ag 11% yn unig a deimlai’n negyddol.
Myth 3. Bydd system treth ddigidol
yn rhy dechnegol o lawer i’r mwyafrif
o bobl
Mae miliynau o fusnesau ’eisoes yn rheoli'u treth ar lein gyda
99% o ffurflenni TAW, 98% o ffurflenni Treth Gorfforaeth ac
86% o ffurflenni Hunanasesu yn cael eu cyflwyno ar lein ar
hyn o bryd.
Hyd yn oed os ydych chi'n un o'r 14% nad ydynt yn cyflwyno
eu ffurflenni treth Hunanasesu ar-lein, mae Cyllid a Thollau
EM wedi addo negeseuon o anogaeth, cyngor a chymorth
trwy gydol yr amser i sicrhau bod llywio trwy eich cyfrif treth
ddigidol yn gam mor syml â phosib. Mae cyfle i gynnal sgwrs
fyw ar y we eisoes ar gael trwy eich cyfrif treth ddigidol felly
gallwch chi sgwrsio â CThEM ar adeg sy'n addas i chi, a
gobeithio na fydd rhaid i chi wrando ar y gerddoriaeth
ddychrynllyd honno ar y dyddiad cau fyth eto.
Ystyried gwneud trefniadau i Droi Treth yn Ddigidol? Mae
meddalwedd cyfrifo FreeAgent sy’n gydnaws â Throi Treth yn
Ddigidol ar gael am ddim i gwsmeriaid bancio busnes NatWest.
4 CYLCHLYTHYR (CLWB) LLAIS BUSNES TORFAEN | CHWEFROR 2019
Myth 4. Mae fy nhaenlen cystal ag
unrhyw feddalwedd treth ddigidol
Mae taenlenni'n wych ar gyfer rhai tasgau, ond ydych chi erioed
wedi rhoi cynnig ar feddalwedd cyfrifo a chymharu'r ddau? Yn
JULY - AUGUST
fuan, fe welwch fod system gyfrifo pwerus yn mynd ymhell y tu
hwnt i unrhyw beth y gall hyd yn oed y daenlen fwyaf cymhleth ei
reoli.
Gallai eich taenlen hefyd fod yn eich bwydo â gwybodaeth ffug.
Yn ôl ymchwil y farchnad gan MarketWatch, mae 88% o daenlenni
yn cynnwys gwallau ac mae yna ddigon o straeon erchyll gan
gwmnïau mawr fydd yn debygol o achosi pryder. Gyda chywirdeb
ffigurau ariannol yn gonglfaen i unrhyw fusnes da, a ydych chi am
gymryd risgiau o ddifri?
Myth 5. Bydd CThEM yn darparu
meddalwedd y gallaf ei ddefnyddio, am
ddim
Mae CThEM wedi cadarnhau na fydd yn darparu meddalwedd yn
uniongyrchol. Mae hyn yn golygu mai eich cyfrifoldeb chi yw dod
o hyd i ateb cyfrifo digidol sy’n gweithio i’ch busnes chi. Gydag
ychydig iawn o amser ar ôl cyn i chi orfod newid i gadw cofnodion
digidol i Droi Treth yn Ddigidol ar gyfer TAW, ac ychydig dros
flwyddyn ar gyfer Treth Incwm a Threth Gorfforaeth, nawr yw’r
amser i ddechrau chwilio.
Myth 6. Mae Troi Treth yn Ddigidol yn
golygu y bydd angen i mi gadw cofnodion
ychwanegol
Gan mai nod Troi Treth yn Ddigidol yw symleiddio system dreth y
DU i bawb sy'n gysylltiedig, ni fydd angen i fusnesau gadw mwy o
gofnodion nag y maent yn ei wneud eisoes. Mae CThEM wedi
cadarnhau hyn, gan ychwanegu y bydd digido cofnodion busnes
yn cyfrannu at ’leihau’r pwysau ar fusnesau o ryw £400m. Gyda'r
nod hwn mewn golwg, byddai gorfodi busnesau i gadw cofnodion
ychwanegol yn wrthgynhyrchiol.
Myth 7. Mae cadw cofnodion digidol
yn mynd i fod yn ffwdan anferth
Yn arolwg FreeAgent 2017 ar gyfer perchnogion busnesau bach,
dywedodd cwsmeriaid bod newid i feddalwedd cyfrifo FreeAgent
wedi arbed diwrnod y mis iddynt ar gyfartaledd, o gymharu â'u dull
blaenorol o gadw cyfrifon. Dywedodd naw allan o ddeg o'u
cwsmeriaid hefyd bod defnyddio FreeAgent yn rhoi tawelwch
meddwl iddynt o ran rheoli cyllid eu busnes.
Mae'n siŵr o gymryd ychydig o amser i ddod i arfer â meddalwedd
newydd ond pan fyddwch yn gwneud hynny byddwch yn elwa ar y
manteision. Mae gallu gweld eich rhwymedigaethau treth yn
cronni dros amser yn rhwystro unrhyw bethau annisgwyl funud
olaf, tra bod llawer o'r rhannau eraill o weinyddu busnes dyddiol,
fel mynd ar drywydd anfonebau di-dâl, yn awtomataidd. Ar hyn o
bryd mae FreeAgent hefyd yn galluogi masnachwyr unigol a
chyfarwyddwyr cwmni cyfyngedig i lenwi a ffeilio eu ffurflen dreth
Hunanasesiad yn uniongyrchol i CThEM o'r feddalwedd.

Porth Brexit Busnes Cymru
Cael eich busnes yn barod ar gyfer Brexit
Pa mor barod yw eich busnes?
Bydd y pecyn hwn yn eich tywys drwy chwe maes busnes
allweddol:
1.Strategaeth a Gweithrediadau Busnes
2.Arloesi
3.Gwerthu a Marchnata
4.Allforio
5.Rheoli Pobl
6.Cyllid
Dim ond pedwar cwestiwn sydd ym mhob maes i asesu
parodrwydd eich busnes ar gyfer Brexit; mae’r wybodaeth yn
cael ei diweddaru’n rheolaidd i roddi’r darlun newidiol i chi
bob amser.
Byddwch yn derbyn adroddiad o’ch asesiad a bydd cymorth
ac arweiniad pellach ar gael i chi.
Cronfa Cydnerthedd Brexit gan
Lywodraeth Cymru
Mae Llywodraeth Cymru wedi lansio’n ffurfiol Gronfa
Cydnerthedd Brexit £1 filiwn o bunnau sydd ar gael i fusnesau
Cymru, i’w helpu nhw i addasu i’r newidiadau yn economi
Cymru ar ôl Brexit.
Mae Busnes Cymru yn cynnig cyfle i fusnesau cymwysedig i
wneud cais am gyllid o rhwng £10,000 a £100,000 i ddatblygu
capasiti, cadw cystadleugarwch a helpu i ddiogelu swyddi.
Mae Cronfa Cydnerthedd Brexit yn agored i geisiadau hyd at
SEPTEMBER
31ain Mawrth 2020, os yw’r cyllid yn caniatáu.
Cyngor ar Frexit-heb-gytundeb ar
gyfer busnesau
Mae’r Adran ar gyfer Gadael yr Undeb Ewropeaidd wedi
cyhoeddi canllawiau i fusnesau yn esbonio eu hymrwymiadau
cyfreithiol os bydd Brexit yn digwydd heb gytundeb.
Mae’r
OCTOBER
canllawiau yn cynnwys pynciau megis cyllid UE,
allforio, cludiant, rheoliadau busnes, hawliau cwsmeriaid a
hawliau yn y gweithle.
Mae mwy am y canllawiau i’w weld yn:
https://www.gov.uk/government/collections/how-toprepare-if-the-uk-leaves-the-eu-with-no-deal
Digwyddiad Cydnerthedd Brexit
Dydd Mawrth 12fed Mawrth am 8am
Yn Swyddfeydd Cyffredinol Blaenau
Gwent, Steel Works Road, Glyn Ebwy,
Blaenau Gwent.
Bydd Siambr Fasnach De Cymru, ynghyd â Busnes Cymru a
Llywodraeth Cymru, yn cynnal digwyddiad wedi’i arwain gan
banel gydag arbenigwyr i’ch helpu chi drwy broses Brexit.
Cewch wybod pa gymorth sydd ar gael i chi. Mae’n rhad ac
am ddim i fynychu ond mae’n hanfodol cofrestru ymlaen llaw.
https://southwaleschamber.co.uk/event/brexit-resilliance-event/
I wneud cais, rhaid i fusnesau:
• Fod wedi cofrestru i fasnachu yng Nghymru.
• Cofrestru gyda Busnes Cymru a chwblhau’r (https://businesswales.gov.wales/brexit/)
wrth wneud cais
• Medru dangos y bydd y cyllid yn cyfrannu tuag at ddiogelu
swyddi
• Wedi bod yn masnachu am 12 mis neu fwy ar ddiwrnod
gwneud y cais
I gael rhagor o wybodaeth ac i wneud cais, ffoniwch 03000 6
03000 lle byddwch yn siarad gyda chynghorydd i gwblhau’r
broses o wneud cais.
CYLCHLYTHYR (CLWB) LLAIS BUSNES TORFAEN | CHWEFROR 2019
5

Rhyddid neu Gaethwasiaeth?
Matt Preece, o Business Doctors, yn ysgrifennu am ganfod
rhyddid trwy wneud y mwyaf o werth.
Dywedodd George Orwell,
‘Freedom is slavery.’
Nid yw hyn yn fwy gwir yn unlle nag ym myd busnes. Mae
sefydlu cwmni newydd yn golygu bod â ffydd. Ac yn aml, y tu
ôl i hynny mae dymuniad am ryddid: rhyddid rhag caethiwed
y diwrnod 9-5; rhyddid rhag cael eich micro-reoli; rhyddid
rhag dilyn cyfeiriad rhywun arall. Mae dianc i fyd sy’n cael ei
reoli gan eich uchelgais chi, lle medrwch brofi cyffro cymryd
risg; cyffro sy’n dod o adeiladu rhywbeth newydd; teimlad
gwirioneddol foddhaus o gyflawni rhywbeth, yn medru bod yn
ddeniadol dros ben.
Felly beth nesaf? Wel, mae gwneud y mwyaf o werth yn eich
SEPTEMBER
galluogi chi i adfer eich rhyddid personol, y rhyddid i ddewis
os ydych yn mynd i dreulio eich holl amser yn gyrru llwyddiant
y busnes, canfod mwy o amser i’w dreulio gyda’r teulu neu
hamddena neu – sibrydwch hyn – cael gwyliau, neu yn wir os
byddwch yn cymryd y penderfyniad i werthu.
OCTOBER
Yn olaf, yn eich breuddwydion, ar ôl taith fusnes werth chweil,
rydych yn cyrraedd eich cyrchfan, yn gwerthu’r cwmni ac
ymddeol i’r haul.Fodd bynnag, cyn i hyn ddigwydd, rhaid i chi
weithio ar y busnes cyn i’r busnes weithio i chi. Yn aml, gall
hyn arwain atoch chi, fel y perchennog, yn gweithredu fel
popeth i bawb. Rydych yn gyfrifol am gyllid, marchnata, llunio
polisi, systemau a phrosesau, gwefan, cyfryngau cymdeithasol,
gwasanaeth cwsmeriaid – mae’r rhestr yn mynd yn ei
blaen ac yn ei blaen...
Ac yna mae rhwydweithio/ Mae’n beth braf i’w wneud. Weithiau
mae’n werthfawr; weithiau ddim. Mae’n mynd â chi allan
o’r swyddfa. Ond mae’n cymryd llawer iawn o amser ac mae
cymaint o bethau eraill i’w gwneud.
Rydych yn cyrraedd pwynt lle mae eich refeniw yn cyrraedd
lle gwastad. Rydych eisiau prifio ond nid oes gennych amser
i ddelio â’r mater. Rydych yn llawer rhy brysur. Mae’r rhyddid
roeddech yn breuddwydio amdano wedi hen fynd. Yn
hytrach, rydych yn cael eich cyfyngu gan gyfrifoldebau
beunyddiol, wedi blino’n lân, yn methu cysgu oherwydd poeni
am beth i’w wneud nesaf. Ar y pwynt hwn, nid chi sy’n rheoli
bellach. Mae eich cwmni fel ceg farus yn gofyn am fwy o fwyd
drwy’r amser. Y cwmni sy’n rheoli, nid chi. Mae angen i
bethau newid.
Yn anffodus, rydych wedi eich gorfodi i ddewis. Medrwch
ganolbwyntio ar dyfu’r busnes trwy werthu mwy o gynnyrch
neu wasanaethau, llogi staff, dysgu dirprwyo neu gallech
benderfynu gwerthu’r cwmni. Y naill ffordd neu’r llall mae
angen i chi wneud y mwyaf o’i werth.
Ond - ac mae’n ond mawr - rydych yn canfod nad yw’r
busnes werth yr hyn roeddech chi’n ei feddwl. A’r rheswm?
Chi. Yn naturiol, chi yw’r both, ond yn anffodus rydych wedi
dod yn sbôcs hefyd. Heboch chi, mae’r busnes yn chwalu’n
ddarnau. Felly, os nad ydych chi yno, nid yw werth rhyw
lawer. Os yw werth unrhyw beth.
6 CYLCHLYTHYR (CLWB) LLAIS BUSNES TORFAEN | CHWEFROR 2019
Y ‘beth’ yw’r rhan hawdd. Mae angen i chi dyfu, gwella eich llif
arian a chynyddu elw, gan gofio wrth gwrs nad yw elw bob
amser yn cyfateb i werth. Mae angen i chi alinio gyda’ch
cwsmeriaid mwyaf gwerthfawr, canolbwyntio ar refeniw
adnewyddadwy a gwneud yn siŵr nad yw’r cynnydd neu’r
gwasanaethau yn dibynnu arnoch chi yn unig. Mae angen
i’ch cwmni fod yn hunan-ddibynnol, ddim yn ddibynnol ar
unrhyw gwsmer, gweithiwr neu gyflenwr penodol. Gyda’r
senario honno, rydych nid yn unig yn ychwanegu gwerth,
rydych hefyd yn delio gyda chydbwyso gwaith/bywyd; cael
amser i’w dreulio gyda’r teulu a’r diddordebau hynny
roeddech yn eu mwynhau yn y gorffennol.
Mae’r ‘sut’ yn fwy cymhleth. Yn rhy aml, mae’n gamgymeriad
gor-addasu eich cynnyrch neu wasanaeth fel ei fod yn addas
i bob cwsmer. Efallai ei fod yn ymddangos yn syniad da
ymateb i’r galw gan gwsmer ond mae gwneud hynny yn
golygu eich bod yn lledaenu eich hun ormod; medrwch golli
golwg ar eich syniad gwreiddiol, gwahanol, eich raison d’être.
Gwell gwerth llai o stwff i fwy o bobl. Bydd hyn yn rhoi mwy o
reolaeth i chi dros brisio ac, yn y pen draw, maint yr elw a
mwy o arian i farchnata. Wedyn, mae sicrhau cwsmeriaid
hapus yn deillio, ynghyd â lefelau mesur a meincnodi
boddhad.
Felly, yn hytrach nag aros am y pwynt hwnnw a grybwyllwyd
yn gynharach, cymerwch afael yn y cwmni a chymryd rheolaeth
yn ôl nawr. Wedyn, mae gennych opsiynau clir; rhai
rydych chi’n eu dewis, nid rhai sy’n cael eu gorfodi arnoch.
Dyna ble mae’r rhyddid gwirioneddol.

Yr Isafswm Cyflog
Gwladol 2019
Cynlluniau Pensiwn
Cofrestru Awtomatig
Yr Isafswm Cyflog Gwladol yw’r isafswm cyflog yr awr y mae
gan weithiwr yr hawl i dderbyn yn y Deyrnas Unedig. Mae’r
cyfraddau yma’n cael eu hadolygu bob blwyddyn gan y
llywodraeth ar ôl cyngor gan y corff annibynnol, y Comisiwn
Cyflogau Isel. Fel cyflogwr bydd y newidiadau yma’n effeithio
sut rydych yn talu eich staff o Ebrill 2019.
Bydd cyfraniadau’r cyflogwr ar gyfer y rheiny sydd mewn
cynlluniau pensiwn cofrestru’n awtomatig hefyd yn cynyddu,
a bydd angen i gyflogwyr gyfrannu o leiaf 3% gyda’r cyfraniadau
i gyd yn gyfanswm o 8%.
O Ebrill, bydd angen i’r cyflogwr gyfrannu lleiafswm o 3%
gyda chyfanswm y cyfraniadau yn 8%, sy’n golygu bydd
rhaid i’r cyflogai gyfrannu’r 5% eu hunain.
£
£
Wrth gwrs, gall cyflogwyr ddewis cyfrannu mwy na’r lleiafswm
o 3% os ydyn nhw’n dymuno, cyhyd ag y bo cyfanswm y
cyfraniadau’n 8%.
Gyda’r cynnydd yma mewn costau, oeddech chi’n gwybod
bod modd i gyflogwyr hawlio hyd at £3,000 y flwyddyn yn ôl
o’u biliau Yswiriant Gwladol os ydyn nhw’n gymwys ar gyfer
Lwfans Cyflogaeth?
£
Er enghraifft bydd gweithwyr 25 oed a throsodd yn cynyddu
o £7.83 i £8.21 yr awr.
Mae mwy o wybodaeth yn
https://www.gov.uk/national-minimum-wage-rates
£
£
Ers 2010 mae’r isafswm cyflog wedi cynyddu 38% i weithwyr
25 oed a throsodd, felly mae’n bwysig cynllunio ymlaen llaw
ar gyfer y newidiadau. Efallai bydd angen i chi edrych eto ar
faint rydych chi’n talu am y nwyddau a’r gwasanaethau yr
ydych yn eu darparu, neu edrych ar arbedion neu fesurau
effeithlonrwydd yn rhywle arall yn eich busnes.
Sesiynau Busnes Torfaen
Gellir hawlio arian o’r fath yn ôl hyd at flwyddyn dreth 2014/15
os nad yw wedi ei hawlio o’r blaen ac mae hawl i chi wneud.
Felly, edrychwch ar y posibiliadau yn
https://www.gov.uk/claim-employment-allowance
Ydych chi’n fusnes heb ddechrau,
newydd ddechrau neu’n
fusnes mewn bodolaeth?
Pam na ddewch chi i’n sesiynau cefnogi busnesau i sicrhau llwyddiant
i’ch busnes gyda Thîm Economi a Mentergarwch Torfaen?
Cynhelir sesiynau yn Llyfrgell Cwmbrân, Canol Tref Cwmbrân, NP44
1XQ ar y dyddiadau canlynol rhwng 10:00am a 2:00pm.
19
Mawrth
9
Ebrill
14
Mai
11
Mehefin
9
Gorffennaf
I gael rhagor o wybodaeth, e-bostiwch: info@southwalesbusiness.co.uk
Ffoniwch: 01633 647800 www.southwalesbusiness.co.uk
CYLCHLYTHYR (CLWB) LLAIS BUSNES TORFAEN | CHWEFROR 2019
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Cwrdd â’r
Aelod
Beth yn union y mae ysgrifenwraig llawrydd yn ei wneud a sut
allaf i helpu eich busnes? Dyma’r cwestiynau sy’n codi’n aml.
Rydw i’n darparu cynnwys o ansawdd a gwaith copi i helpu
busnesau i gysylltu â’u cwsmeriaid. Mae pob busnes yn
ymwybodol o’r angen i greu adnabyddiaeth o’r brand, delweddau
trawiadol a phresenoldeb yn y cyfryngau cymdeithasol
mewn marchnad sy’n fwy ac y fwy cystadleuol. Serch hynny
mae cynnwys y testun yn aml yn cael ei anwybyddu. Rydw i’n
cynnig amrywiaeth o wasanaethau ysgrifenedig gan gynnwys
cynnwys i wefanna wedi ei optimeiddio ar gyfer peiriannau
chwilio, blogiau ac erthyglau.
Dechreuais fy musnes yn Rhagfyr 2017. Cyn gweithio’n
llawrydd, roeddwn yn athrawes Saesneg mewn ysgol
uwchradd ac yn bennaeth yr adran Saesneg. Mae gen i Radd
BA mewn Saesneg a Gradd Meistr mewn Addysg.
Mae fy erthyglau i gylchgronau wedi ymddangos mewn amrywiaeth
o gyhoeddiadau gan gynnwys ‘The Abergavenny
Focus’ a ‘Living Wales’. Rydw i hefyd yn ysgrifennu colofn
fisol reolaidd am gerdded sy’n cael ei chyhoeddi yng nghylchlythyr
‘Bwrdd’ Cymru ym ‘Mensa Magazine’.
Mae categori awyr agored fy mlog (www.rachaelbird.com) ar
wefan cylchgrawn TGO (The Great Outdoors). Rhwydwaith
Blogwyr TGO yw rhwydwaith gorau’r DU ar gyfer blogiau am
yr awyr agored.
Gallaf ysgrifennu’r testun ar gyfer eich blogiau, erthyglau,
taflenni, llyfrynnau a’ch gwefan i’ch cefnogi chi wrth hybu’ch
busnes fel nad oes rhaid i chi boeni am gael hyd i’r amser yn
ystod eich diwrnod prysur. Rwy’n cynnig amrywiaeth o becynnau
sy’n gallu cael eu haddasu i gwrdd â’ch anghenion.
Rydw i hefyd yn gallu ysgrifennu areithiau ar gyfer eich
cyflwyniadau neu sgriptiau ar gyfer fideos marchnata.
Os ydych chi’n ysgrifennu eich cynnwys eich hun ond am gael
barn rhywun arall, rydw i’n cynnig amrywiaeth o wasanaethau
prawf ddarllen a golygu.
Pan fyddwch yn gweithio gyda fi, byddwch yn delio â fi’n
uniongyrchol. Does yna ddim strwythur cyfathrebu cymhleth.
Felly mae’r broses yn syml o’r dechrau i’r diwedd.
Os oes gennych chi ddiddordeb yn yr arbenigedd ar ysgrifennu
sydd gen i i’w gynnig, cysylltwch â fi’n ddi-oed i drafod eich
gofynion. Gallaf roi dyfynbris i chi am ddim.
Rydw i yn y Fenni ac rwy’n edrych ymlaen at weithio gyda
busnesau lleol i’ch helpu chi i lwyddo.
Am fwy o wybodaeth, cysylltwch â Rachael Bird – Ysgrifenwraig
Llawrydd.
Rachael Bird B.A. (Hons), M. Ed.
07789 274808
enquiries@rachaelbird.com
www.rachaelbird.com
Rachael Bird
Ysgrifenwraig Llawrydd
Hoffem ddiolch i'n cyfranwyr:
Aelodau newydd
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https://www.advantamanufacturing.com
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https://www.facebook.com/penrhiwgyngi/
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Sweet Remedies
https://www.sweetremedies.co.uk/
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http://thevintagevegancateringcompany.com/
Ultimate Tinting South Wales
http://www.ultimatetinting.co.uk
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https://www.weklean.co.uk/
Wize Virtual Admin
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Xcel Xpert
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CYLCHLYTHYR (CLWB) LLAIS BUSNES TORFAEN | CHWEFROR 2019