Guides & Insights
Plain-English guides on UK employer costs, tax changes, and business finance decisions.
Position Sizing in Forex: The Complete Guide to Calculating Lot Size
Learn how to calculate the correct position size for every trade. Master the formula, understand lot types, and never risk more than you intend to.
Risk/Reward Ratio Explained: Why You Don't Need a High Win Rate
Understand R:R ratios and how they affect profitability. Learn why a 40% win rate can be more profitable than 70% with worked examples.
Forex Margin & Leverage Explained for UK Traders
How margin and leverage work under FCA rules. Margin calculations, margin calls, leverage limits, and why higher leverage isn't better.
The Power of Compounding in Trading: Realistic Growth Projections
See how consistent monthly returns compound over time. Realistic projections for 2–10% monthly returns with equity curve analysis.
Salary vs Dividends: The Most Tax-Efficient Split for Directors 2025/26
What's the optimal salary and dividend combination for UK limited company directors? We compare strategies with real numbers including corporation tax.
Stamp Duty Rates UK 2025/26: What You'll Pay After the April Changes
The temporary SDLT thresholds ended in and the additional property surcharge rose to 5%. Here are the new rates with worked examples.
Contractor vs Employee UK: Which Is Cheaper to Hire in 2025/26?
Compare the real cost of hiring a contractor at a day rate versus employing someone permanently — including employer NI, pension, holiday pay and IR35.
Salary Sacrifice Explained: How Much Tax and NI Can You Save?
Salary sacrifice can save you 28–47% on pension contributions, cycle to work, and EV leases. Here's exactly how it works and how much you keep.
How to Calculate Your Freelancer Day Rate in the UK
Most freelancers undercharge. Learn how to work backwards from your target income to set a rate that covers tax, holidays, sick days, and business costs.
UK VAT Registration: When You Must Register and What It Means
The VAT threshold is £90,000 for 2025/26. Here's everything you need to know about when to register, rates, the Flat Rate Scheme, and Making Tax Digital.
Employer NI Increase April 2025: What It Means for Small Businesses
The rate rose to 15%, the threshold dropped to £5,000, and the Employment Allowance doubled. Here's who wins, who loses, and seven things you can do about it.
How Much Does It Cost to Employ Someone in the UK in 2025/26?
The true cost runs 20–40% above salary. We break down employer NI at the new 15% rate, pension, holiday pay and hidden costs — with real numbers at common salary levels.