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

to sort

• Issuing bank is a bank that offers card association branded payment cards directly to consumers. The name is derived from the fact that it issues payment to the acquiring bank on behalf of its customer (the purchaser in the transaction).

• 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.

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

• 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

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

Articles and guides

before Stripe;

• http://jamesmaskell.co.uk/2013/online-payments-in-2013/ [2]
• http://onlinebusiness.volusion.com/articles/your-get-started-guide-to-online-credit-card-processing/
• 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/

stripe;

• http://www.wired.com/business/2012/09/payment-processor-stripe-goes-to-canada/
• http://net.tutsplus.com/tutorials/tools-and-tips/so-you-want-to-accept-credit-cards-online/ - simplicity of stripe, but techy

etc.

• http://ecommerce.shopify.com/

Merchant account providers

• http://paymentbrain.co.uk - guides. no Stripe.

comparison below requires signup..

• http://merchantaccounts.expertmarket.co.uk/compare-uk-merchant-account-providers
• http://limpidmarket.co.uk/uk-merchant-account-comparison/compare

• http://www.advansys.com/data/pci_dss.pdf - list of visa linked companies

Stripe

New to the market.

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

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

• https://stripe.com/docs/libraries

PAYMILL

• https://www.paymill.com/en-gb/pricing/

• Transaction fees: 2.95% + 0.28 €
• Setup fees: 0 €
• Monthly fees: 0 €
• Set up time: 2-3 days

Authorize.Net: Online Payment Gateway and Merchant Account

• http://www.authorize.net/en-GB
  • http://en.wikipedia.org/wiki/Authorize.Net

• 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

Elavon

• http://www.elavon.com/
  • https://www.myvirtualmerchant.com/VirtualMerchant/ - USA payment gateway

• http://www.elavon.co.uk/
  • http://tellmemore.elavon.com/payment-gateway/
  • https://resourcecentre.elavonpaymentgateway.com/

• Core (unbundled) / Flexible (bundled)
• Monthly Gateway Fee: £15.00 / £25.00
• Transaction Fee: £0.09 / First 200 transactions included. Excess Transaction Fee: £0.14. ???
• Both: 10 Virtual Terminal licences included. If further licences are required £30 per user set up will be applied. Tokenisation 1000 cards included. £0.03 per card stored per month in excess of 1000

"Our secure Virtual Terminals can be downloaded to your desktop. The Virtual Terminal is a secure browser based tool, there is no installation required, just an internet connection."

• http://acquiring.elavon.com/documents/pdfs/ireland/PSP_Vendor_Relationship_List.pdf

CCS/UPG

Elavon resellers

• http://www.cardcomplianceservices.com/

• 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

client quote - 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

my quote - Ecommerce:

• £12.95 per month for payment gateway
• 6p per transaction (fee charged by UPG for gateway processing)

Merchant Account:

• 1.8% Personal Credit Cards
• 20p per Debit Card
• 2.2% Business Cards
• £4.99 per month recurring PCI Compliance charge
• £12.50 minimum monthly service charge (minimum processing requirement per month)

Balanced

• https://www.balancedpayments.com - usa only atm

• 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

Simplify Commerce

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

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

Beanstream

• http://www.beanstream.com/site/ca/index.html - usa and canada only

• https://chargify.zendesk.com/entries/20108257-Details-about-Beanstream-Canadian-payment-gateway

Simplified Ecommerce

• http://simplifiedecommerce.com/ - ?

PayPal

EEEk

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

• 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/

• http://robmclarty.com/blog/stripe-vs-paypal

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

Other

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

• https://recurly.com/gateways/

• 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