Finances

Income

• http://www.thesalarycalculator.co.uk/

• http://matthewpaulmoore.com/post/50662524038/do-customers-pay-for-your-b2b-product-in-a-cost-center

• http://doubleyourfreelancingrate.com/
  • https://training.kalzumeus.com/newsletters/archive/consulting_1

• http://makaluinc.com/blog/2012/11/how-to-calculate-an-hourly-rate.html

• https://planscope.io/blog/the-freelancers-guide-to-recurring-revenue/ [1]

• http://www.contractorcalculator.co.uk/
• http://www.contractorcalculator.co.uk/charging_clients_retainer_how_they_work.aspx

Price plans

Cloud Web Design

• Business Card, Articles, Blogging, Image Galleries, etc.
• WordPress.com, Tumblr.com, etc.
• From £400.
• Plus costs (£40/yr for theme & ad-free, plus domain).

Web Site Design and Build

• Self-hosted Drupal site with bespoke configuration and theme
• Using process estimation tools vs. budget
• From £650 (5 days), at £130 a day

Hosting and maintenance

• £15/mth for hosting, plus security upgrades

Support, Training, Consultancy £25/hr for additional backend or administration support, or £100 for a full day consultation.

Cloud site setup and custom theme, from £400, or a full site with bespoke backend and custom theme, starting at £650.

• http://wunderkraut.com/blog/how-to-fail-in-a-drupal-project-fixed-price-contracts/2013-07-10

Invoicing

• http://en.wikipedia.org/wiki/Invoice

Templates

• http://www.contractoruk.com/limited_companies/free_invoice_template.html

Open source systems

• http://www.siwapp.org/

• http://www.jbilling.com/community

Services

• http://www.bookkeepy.co.uk/ - nice and clean

• https://www.invoicejournal.com/ - popped up via hn

• https://news.ycombinator.com/item?id=5873442

Late

• http://pixxel.co/feed/client-wont-pay-my-final-resort

Credit notes

• http://en.wikipedia.org/wiki/Credit_note

• http://www.hmrc.gov.uk/vat/managing/special-situations/returned-goods.htm

Budgeting

• Spreadsheet skills: no time series problems – period!
• Example Cash Flow Forecast

• Allocated Spending Plan FAQ

• Wikipedia:4–4–5 calendar
• How many weeks in a month?
• Calendar for year 2013 (United Kingdom)

5 fridays (or 5 mondays?)

Services

• Google Docs Template Gallery: budget
• Google Docs Template Gallery: timesheet

• PocketSmith - The personal finance app with cashflow forecasting

Tax

See also Credits

Self-assessment

• https://www.gov.uk/self-assessment-tax-returns
• https://www.gov.uk/register-for-self-assessment
• https://www.gov.uk/self-assessment-tax-returns/deadlines

• http://www.gateway.gov.uk/

etc

• http://www.hmrc.gov.uk/incometax/codes-basics.htm

• Class 2 National Insurance contributions

• http://www.besttaxback.com/calculator/taxcalc.aspx
• http://www.easyaccountancy.co.uk/about/freelancer_sole_trader_take_home_calculator.html

• http://www.smallbusinesspro.co.uk/tax/sole-trader-tax.html
• http://www.easyaccountancy.co.uk/faqcentre/self_employed_faq.html

Sole traders’ tax responsibilities:

• send a Self Assessment tax return every year
• pay Income Tax on the profits your business makes
• pay National Insurance
• register for VAT if you expect your business’ takings to be more than £77,000 a year.

Limited Company: Any profit it makes is owned by the company, after it pays Corporation Tax. The company can then share its profits.

• http://www.revenuebenefits.org.uk/tax-credits/guidance/how-do-tax-credits-work/self-employed/

• https://online.hmrc.gov.uk/registration/newbusiness

• http://www.contractoruk.com/limited_companies/contractor_taxes.html

Tools

• http://www.easyaccountancy.co.uk/about/freelancer_sole_trader_take_home_calculator.html

• http://www.besttaxback.com/calculator/taxcalc.aspx

• http://www.hmrc.gov.uk/tools/sa-ready-reckoner/index.htm - ni calc

other

• http://www.launchside.com/blog/llc-vs-s-corp-vs-c-corp/ - usa startup taxes

VAT

• VATLive

Banks

• http://www.moveyourmoney.org.uk/

Tridos

• http://triodos.co.uk

"We do not provide counter banking services from our Edinburgh office (or indeed any of our UK offices) but are pleased to meet with business customers who have a pre-arranged appointment."

Co-operative

• http://co-operativebank.co.uk

Online service, no real-life access?

• http://www.smile.co.uk/
  • http://en.wikipedia.org/wiki/Smile_(bank)

Has branches under the name Britannia. One on George Street.

• http://www.britannia.co.uk/

• http://www.guardian.co.uk/commentisfree/2013/jun/17/co-operative-bank-bail-in
• http://www.telegraph.co.uk/finance/newsbysector/banksandfinance/10125254/Co-operative-Bank-faces-nationalisation-if-junior-bondholders-reject-haircut.html
• http://www.independent.co.uk/news/business/news/coop-saved-but-banks-face-shakeup-in-pivotal-week-8661174.html
• http://moneyweek.com/what-happens-to-co-op-bond-now/

P2P lending

• http://www.ratesetter.com/

Accounting

• http://static.steve.org.uk/expenses

Software

• http://www.gnucash.org/

Services

• http://www.freeagent.com/?referrer=33dgfkb0 - rachel's code

Trading standards

• Trading Standards - Fair Trading advice for businesses

Merchant services, payment systems

order?

• https://en.wikipedia.org/wiki/Merchant_services

• Acquiring bank (or acquirer) is the bank or financial institution that processes credit and or debit card payments for products or services for a merchant. The term acquirer indicates that the bank accepts or acquires credit card payment from the card-issuing banks within an association. The best-known (credit) card associations are Visa, MasterCard, Discover, American Express, Diners Club, Japan Credit Bureau, Attijariwafa Bank, and China UnionPay.

• Merchant account is a type of bank account that allows businesses to accept payments by payment cards, typically debit or credit cards. A merchant account is established under an agreement between an acceptor and a merchant acquiring bank for the settlement of payment card transactions. In some cases a payment processor, independent sales organization (ISO), or member service provider (MSP) is also a party to the merchant agreement. Whether a merchant enters into a merchant agreement directly with an acquiring bank or through an aggregator such as PayPal, the agreement contractually binds the merchant to obey the operating regulations established by the card associations.

• https://en.wikipedia.org/wiki/Merchant_account_provider
• https://en.wikipedia.org/wiki/UK_Payments_Administration

• https://en.wikipedia.org/wiki/E-commerce_credit_card_payment_system
• https://en.wikipedia.org/wiki/Payment_service_provider
• https://en.wikipedia.org/wiki/List_of_online_payment_service_providers

• https://en.wikipedia.org/wiki/Payment_system
• https://en.wikipedia.org/wiki/Payment_processor
• https://en.wikipedia.org/wiki/Payment_gateway

• http://jamesmaskell.co.uk/2013/online-payments-in-2013/ [2]
• http://boss.blogs.nytimes.com/2013/03/25/what-you-need-to-know-about-credit-card-processing/
• http://boss.blogs.nytimes.com/2013/03/26/my-search-for-reasonable-and-understandable-credit-card-processing
• http://onlinebusiness.volusion.com/articles/your-get-started-guide-to-online-credit-card-processing/
• http://net.tutsplus.com/tutorials/tools-and-tips/so-you-want-to-accept-credit-cards-online/ - simplicity of stripe

• http://ecommerce.shopify.com/

Services

• http://merchantaccounts.expertmarket.co.uk/

• https://www.paypal.com/webapps/mpp/payflow-payment-gateway - eeek

Stripe

• https://stripe.com/gb
  • https://stripe.com/gb/help/pricing

• Setup: none
• Monthly: none
• 2.4% + 20p + VAT per successful charge
• no card storage fees

Authorize.Net: Online Payment Gateway and Merchant Account

• http://www.authorize.net/en-GB

• Setup Fee: £50.00*
• Monthly Gateway Fee: £20.00
• Transaction Fee: £0.15
• Debit Card Settlement (Visa, MasterCard): £0.40
• Consumer Credit Card Settlement (Visa, MasterCard): 2.25%
• Commercial Credit Card Settlement (Visa, MasterCard): 2.75%
• Chargeback Fee: £15.00

• Advanced Fraud Detection Suite: £9.95/month
• Automated Recurring Billing: £10.00/month
• Customer Information Manager: £20.00/month

Authorize.Net: Online Payment Gateway and Merchant Account

• Setup Fee: Free
• Monthly Gateway Fee: £20.00
• First 350 Transactions Per Month: Free
• Per-Transaction Fee (>350 Transactions): £0.10/trans

Balanced

• https://www.balancedpayments.com

• No monthly fees.
• No setup fees.
• No recurring fees.

• Processing: credit card (per txn): 2.9% + 30c
• Processing: bank account (per txn): 1% + 30c
• Payout: bank account (per deposit): 25c

Simplified Ecommerce

• http://simplifiedecommerce.com/ - ?

Simplify Commerce

• https://www.simplify.com/commerce/ - USA only atm

• 2.85% + 30¢ per transaction
• No setup fees.
• No monthly fees.

Shopify

Saas store

• http://www.shopify.com/faq/what-is-a-third-party-processor

CCS/UPG

• http://www.upg.co.uk/pricing
• http://www.upg.co.uk/features/online-payments

Virtual Terminal:

• £100 + VAT set-up fee (includes 250 free gateway transactions)
• No monthly fees for the gateway

Merchant Account:

• 1.5% Personal Credit Cards
• 19p per Debit Card
• 1.8% Business Cards
• £4.99 per month recurring PCI Compliance charge
• £12.50 minimum monthly service charge

PayPal

• https://www.paypal.com/webapps/mpp/merchant
• https://www.paypal.com/webapps/mpp/paypal-payments-advanced

• http://en.wikipedia.org/wiki/PayPal
  • http://elliotjaystocks.com/blog/good-riddance-paypal/ - don't use paypal
  • http://www.binkd.com/general/why-we-no-longer-accept-paypal/

Other

• https://gocardless.com/ - 1% per transaction up to a maximum of £2.00. Simple Direct Debit, for regular billing & invoicing.

Google

• http://googlecommerce.blogspot.co.uk/

• Google Checkout - will sunset late 2013
• Google Wallet - US only as of aug 2013
  • http://googlecommerce.blogspot.co.uk/2013/05/an-update-to-google-checkout-for.html

• https://www.gittip.com/

Markets

• http://www.interactivebrokers.com/
• https://www.loyal3.com/home

• http://www.quantstart.com/articles/Quantitative-Finance-Reading-List

Software

• Grism is an open source stock market observation tool. It allows you to easily track the evolution of stock prices through watchlists, portfolios and charts.

• http://money.stackexchange.com/questions/7247/where-can-i-find-open-source-portfolio-management-software