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Mark Palmer

Articles by Mark Palmer

How to Build Business Credit Without a Personal Guarantee

13th June 2025
Want to build credit for your business without tying it to your personal finances? You're not alone. In 2025, more founders are pushing back against personal guarantees (PGs), and it's finally realistic—if you know how to play it. Here’s how to do it step by step, with specific strategies, vendors, and benchmarks you can follow. […]
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Best Business Bank Accounts for Startups in 2025

11th June 2025
Looking to open the best business bank account for your startup? This guide highlights top picks, who each suits, where they fall short, and a decision flowchart—all current as of June 2025.   Top Startup Bank Accounts (June 2025) Bank Best For Fee Key Features Mercury Tech startups with scale plans $0 No monthly fees; free […]
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How to Open a Business Bank Account in the US 2025 Guide

11th June 2025
If you’re wondering how to open a business bank account, this guide cuts straight to it. It tells you what you need, how to do it, what banks to look at, and where people trip up — as of mid-2025.   Why get a business bank account? You need one to: Keep personal and business […]
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US-China Trade Talks Resume in London: Key Tariff and Business Impacts

10th June 2025
London, [06/10/25] – Critical US-China trade talks resume today in London, with tariff reductions and economic relations at the forefront of discussions. As representatives from both nations meet for the first high-level negotiations in months, businesses globally are bracing for potential impacts on supply chains, pricing, and market stability. Why These Trade Talks Matter for Your Business The […]
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6 Essential Moves for Small Businesses to Survive Trump's 2025 Tariffs

10th June 2025
Trump's baseline 10% tariff hit April 5, 2025. Higher rates followed on April 9. The Trump tariffs amount to an average tax increase of nearly $1,200 per US household in 2025. Small businesses face immediate cost increases and supply disruptions. Your margins are shrinking while competitors scramble. You need fast action. Here are 6 moves […]
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Current UK Mortgage Rates for First-Time Buyers: 5-Year Fixed Deals with a 10% Deposit

11th November 2024
Navigating the mortgage market can be challenging for first-time buyers, especially when seeking competitive five-year fixed-rate deals. For those with a 10% deposit, major UK lenders such as HSBC, Lloyds Bank, and Nationwide Building Society offer attractive options. Here’s a detailed overview of current rates and what first-time buyers can expect as of 11/11/24. HSBC […]
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Massive NIC Hike Threatens Higher Consumer Prices: Retail and Hospitality Brace for Impact

7th November 2024
In the recent Autumn Budget, Chancellor Rachel Reeves announced a significant increase in employer National Insurance Contributions (NICs), raising the rate from 13.8% to 15% and lowering the threshold at which employers start paying NICs from £9,100 to £5,000 per year. Set to take effect from April 2025, this dramatic NIC increase is expected to […]
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Bank of England Cuts Interest Rates to 4.75% to Stimulate Slowing Economy

7th November 2024
The Bank of England (BoE) has announced a cut to its benchmark interest rate, lowering it from 5% to 4.75% - the Monetary Policy Committee vote was - 8:1. This is the second consecutive rate cut in recent months, aimed at boosting economic activity and addressing a softening inflation landscape. The decision, closely watched by […]
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Understanding UK Return Laws for Sale Items: Your Consumer Rights Explained

5th November 2024
Shopping for sale items, especially during major events like Black Friday, can be thrilling, but it’s crucial to understand your rights when it comes to returns and refunds. UK laws provide strong protections for consumers, even when buying discounted goods. Here’s what you need to know about your rights and how to handle returns for […]
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