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The 10.9% rate seem very low for a credit card. Was this just an introductory offer perhaps?? Would it be an option to switch credit cards to another provider to avail of a 0% on balance transfers offer??

See link below which might help [broken link removed] If married tax credits can be allocated between spouses and this doen't seem to be the case with cohabiting couples :(

Thank Joe 90. He was set up as a sole trader. How detailed do the accounts need to be? Would we be able to prepare these ourselves? We're no accountants but could do a basic P&L a/c....

My husband was registered as S/employed but has wound up his company and is now a PAYE worker. We are looking to complete his tax return (form 11) over the next few weeks to get it out of the way and move on. His business was set up for a short period (Sept 2010 - Dec - 2011) He filed a tax...

Have QFA Investments next Saturday. Study is not going well. How are others getting on? Finding it difficult to get through this module as it not based around my day to day work. I work in a Bank but nothing to do with Shares and Collective Investment Schemes!! Have read the manual at this stage...

You could possibly apply for the short term enterprise allowance? See welfare.ie for additional info: 1.1 Description of Scheme The Short Term Enterprise Allowance (STEA), for which provision was made in the Supplementary Budget of 7th April 2009, was introduced from 1st May 2009. In response...

Thanks irishmoss. I use IBW.com also. Some great assistance there too!!

Consumer agreements are governed under the Consumer Credit Act (which the half rule falls under). Non Consumer (Business) agreements are not covered under this Act so the half rule does not apply. Its as simple as that I'm afraid.

Thanks for the excellent feedback! I received an e-mail from thee enterprise board stating: "The Board is not in a position to support retail businesses – they are deemed “outside our remit” by the Departments. If however I can be of any other assistance I would be delighted to meet with you...

Thanks KennyB3 but help with writing the business plan is one of the supports the enterprise board provide so I am hoping to discuss this with them. I explained where I am at and they told me they would go through everything with me at the meeting. Just wondered what else I should bring along.

Hi all I am in the planning stages of opening a bridal shop and have arranged a meeting with the local enterprise board to discuss supports available etc. I am just wondering what I would need to bring along and what I can expect from the meeting. Any advice would be appreciated. Quinerty

Lemon 125 The area I live in has a shop something like what you're talking about. It seems to do well as there is no other alternative there. They have a filling station also but charge well above the odds for fuel (and everything else for that matter). There seems to be a constant flow of...

Thank you for the info Tomorrow - much appreciated

Thank you so much for the advice folks - was expecting to be shot down with reality checks left right and centre!! So good to get some positive feedback - definitely food for thought.... Have 5 weeks before redundancy kicks in but will take my time to get up and running - better to do things...

I'm am about to be made redundant next month. I have decided to bite the bullet and do something I've talked about doing for the longest time - open my own bridal shop. I have no retail experience as i currently work in financial services. I have spent some time researching this business idea...

"No point opening a shop if you cannot sell the products so do some homework about what other shops do, where they get their stock from, how much does it cost, are you going to have to pay for the stock up front?" Thanks jack2009. I'm sure other bridal shops would be very wary of discussing...

Thanks for the advice QED. My background is in sales (finance industry) so I would consider doing a start your own business course. I would not intend taking on any staff until I have the business up and running and am prepared to put in the hard graft myself. I am hoping, if made redundant that...

Thanks for the advice. Much appreciated. I would assume that as the wedding dress shop is the main route for suppliers to sell their dresses I would be able to purchase a sample selection reasonably but I may be wrong. Great suggestions and thanks again.

Hi all Just wondering if anyone out there would have any advice on setting up a wedding dress shop. There is a strong possibility I will be made redundant from my current job and I am looking into alternatives. I have always wanted to work for myself and I feel this business may be the perfect...