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My kids love Bona Fide Beauty’s nail file because they take the hassle out of nail care. They are so easy to use,even my kids can use them.

Bona Fide Beauty nail files are made in The Czech Republic from Premium Czech glass – they are high quality and perfect for both adults and kids. I don’t like letting my kids nails get too long, I like to keep them short and tidy, so I need a file that I can use often. These are super easy to use: you simply file nails with a light touch,in any direction. They are very effective,it doesn’t take long to trim and shape the nail.

The results are impressive and,most importantly,instantaneous. They leave nails nice and smooth,plus,they improve the health and strength with regular use.I use Bonafide Beauty Czech glass files because they are perfect for young,delicate nails.

Here is what our verified Amazon buyers are saying about BonaFide Beauty’s glass nail file in regards to using them with their children.

“So quick for delivery as always. I love these files, they work well and I do both my kids nails as well. I’ve bought other brands and they have broken or become dull quickly.  These have lasted me and I will always buy them.  Also they come in great colors.”

“Love this nail file! It’s perfect for girls night with the kids! Very sturdy and files well without leaving my nails flaky.”

“This file is perfect for my jamberry nails. I have 3 small children so my hands are constantly in water, which no matter how well my application my nail wraps tend to come up a little on the sides after a week of baths. This file is great to file the wrap back down without actually hurting the growth or shape of my nail. Very gentle on the nail and easy to use.”

My kids love how gentle and comfortable they feel on their nails. It is a fun experience, which makes the whole process easier. For the first time ever, my kids are eager to have their nails done.

I truly believe establishing a healthy nail care routine is an important part of self-care that will benefit my kids for years to come.

If these guys love them, I am sure you will too. Bona Fide Beauty Czech glass files are the best choice for your family’s nails.

For more information,please visit Bona Fide Beauty on Amazon.

Umbrella Company Pension Schemes – What You Need to Know

Pension schemes help employees put money aside for retirement directly from their wage. The problem for self-employed professionals is that they need to manage this themselves,either by setting up a pension scheme or saving money from their income.

Fortunately,umbrella companies class contractors as employees,giving them all the benefits of employment. That includes a pension scheme,which now requires contribution from the umbrella company too. Let’s take a closer look at the statutory pension schemes available through umbrella companies.

Auto-enrolment pensions

In 2012,the UK Government decided that workers weren’t saving enough for their retirement. People were relying too much on the State Pension,which had not received adequate funding to match the continuing rise in life expectancy and an ageing population.

To combat this,they introduced automatic enrolment. The new system,rolled out from 2012 to 2018,requires employers to automatically enrol eligible employees onto a workplace pension scheme. Employers are also responsible for deducting contributions from their pre-tax income and making a minimum statutory contribution to the employee’s savings.

In October 2012,this minimum contribution was set to 1 percent for employees,which was matched by employers,rising in 2018:

• October 2012 to 5th April 2018: employers 1%,employees 1%
• 6th April 2018 to 5th April 2019: employers 2%,employees 3%
• 6th April 2019 onwards: employers 3%,employees 5%

However for anyone that doesn’t want to contribute to a pension once you’re enrolled you can still opt out.

Umbrella company pension scheme

Working through an umbrella company,contractors are classed as an employee. That means,yes,you are automatically enrolled onto the umbrella company’s pension scheme as long as you meet the following criteria:

• Your work is primarily UK-based
• You earn more than £10,000 per year
• You’re between 22 and the state pension age.

Until 5th April 2019,3% of your pre-tax salary will go directly into a pension fund,with the umbrella company contributing a further 2%. From 6th April 2019,5% of your pre-tax salary will go into the same pension fund,with your umbrella company contributing a further 3%.

The benefits of an umbrella company pension

Some contractors may worry that this will eat away at their wages. Don’t. Pension contributions are made before your wages are taxed. That means anything that goes from your wage into your pension fund is tax-free rather than being taxed at 20% or even 40%. So,instead of receiving 60% of your income,you receive 100% via a pension fund.

Let’s say you earn over £46,351 per year,which puts you in the higher rate band of income tax. Anything you earn beyond that £46,351 per year (roughly £3,863 per month) is taxed at a rate of 40%. You get just £60 for every £100 of income. Why not put the full £100 straight into the pension fund instead?

That’s why many people,especially those in the higher rate band of income tax,choose to put more than the minimum into their pension fund. And this is entirely possible. Contractors can contribute up to £40,000 to their pension scheme per year,comprising tax-free income and employer contributions. Currently,there is a lifetime allowance of £1,030,000 which can be contributed before incurring any tax.

Using your funds

With the increased earnings of contracting,it’s common for contractors to retire early. Alternatively,you might simply want to get some of the money out for a holiday,new car or home improvement. The good news is: you don’t have to wait until the state pension age to access the pension funds you’ve built up through your umbrella company pension.

Once you’re 55 or over,you can access up to 25% of your pension pot as a tax-free lump sum. Anything beyond the 25% will be taxed as an addition to the rest of your income that tax year – either 20% over £11,850,40% over £46,351 or £45% over £150,000,as things currently stand. That’s why most people choose to take their pension as regular income once they have retired,to minimise the amount of tax paid.

What about limited companies?

Contractors who operate as a limited company can still benefit from the tax relief of a pension scheme. However,as with most things relating to limited companies,this requires a lot more effort on their part. Firstly,they have to get the right balance between salary and dividend payments to increase the limit on their pension contributions.

Because employer contributions,such as pensions,count as a business expense,they are subject to tax relief. So,when you contribute to your pension scheme,as a director,the company could save money in corporation tax.

However,this has added complications because it needs to be fully compliant as an allowable expense. Any other employees,for example,should be given comparable packages to prove to HMRC that it is a genuine business expense.

On top of all that,using a limited company pension scheme means setting up and paying into the pension fund yourself. Along with all the other administrative work for limited company owners,it’s definitely worth seeking advice and assistant from a trusted accountant.

Get the right assistance

Whether you’re looking to compare umbrella companies or find the right accountant,you can make the right choice with -. Our online comparison tool lets you assess multiple companies in a matter of minutes. It couldn’t be easier to take the hassle out of contracting. Contact us today for more information.

The right marketing strategy will allow you to boost your services,products and reviews to local and global audiences very effectively,communicating the right message to the right people. Every local and national brand with a great story to tell deserves an attentive audience to say it to. However,even as you & your company have done no wrong,there will always be the inevitable naysayer who will spout their feelings all over your social media,whether it be out of a feeling that it’s just not “enough,” or out of jealousy for success. These could turn off the potential audience you want to target,no matter how attentive they are. Here’s how to combat unfair negative reputation and build a strong wall of defense to solidify your brand online. In particular,in the way-has become famous for teaching his students how to do so.

Brands need a powerful and economic platform to take action with their consumers. As new ways of communicating,pulling,and reaching customers leads develop,so do strategies that are equally modern.No matter what business you are in,you require a website,and it must convince visitors that YOU are the go-to person in your industry. Writing profiles of your perfect customer allows you to identify services and products that are best fit for them and market them to them more effectively — and it is especially vital to constantly seek their feedback on their experience with you and how you’ve served them.

You may not know how to utilize it to actually increase sales and income,once you have a customer profile.No worries: one easy way to do that is to feature their feedback prominently on most-viewed areas of your website.Promotional campaigns can gain from a public relations professional such as-who knows how to mold your reputation and image in an excellent way.

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Positive reputation will create even more happy customers who are eager to support your establishment for years to come.When you see the value of customer attention to an organization then you can start to apply the proper resources to your customer service section.

Too lots of marketing firms make huge promises,but are not able to move through after you start with them. Naturally,you want to veto a marketing agency by public customer feedback and reviews of their services. This is a great chance for you to compare companies who have a solid reputation marketing strategy,vs. those that don’t. The companies with the biggest-earning marketing strategy will most likely be excellent at showcasing their customers speaking of great experiences. This is the kind of reputation strategy you want to model YOUR own brand after,and that’s the kind that-has taken to very well as a personal brand & successful entrepreneur.