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Jury’s Inn, 500 Saxon Gate West, Milton Keynes, MK9 2HQ Wednesday 18th October 2017 | 9am - 4pm

Direct access to over three hundred local businesses


With a database of over 1,800 business and magazines reaching 60,000 homes and local businesses, we will invite many well established businesses to the exhibition.

Single Stand (6x4) £395 + Vat Double Stand (12x4) £650 + Vat

As one of around forty exhibitors, participating in this unique event will provide you with the chance to meet over three hundred directors, senior managers and other professionals in a comfortable, friendly environment.

In addition to this, we also intend to hold seminars and workshops, as well as product demonstrations by some of Milton Keynes leading manufacturers and suppliers. Your products could be among them!

For more information


All stands come with on table, table cloth, 2 chairs and power. Parking for exhibitors is included in the stand price. Refreshments will be provided for exhibitors.

Exhibition Stationary Packages Leaflets, Business Cards & Roller Banners

@mkcityexpo 01908 850550

From £280 + Vat

Organised by


Your Business Flyer approaches to use to get those ideas out of your head and in to your business. * You’ll gain a needed confidante. At Double Trouble Towers one of our 2017 aims is to raise the profile and benefits of Business Coaching across Beds, Bucks and Herts. We believe that coaching is powerful tool which helps anyone running a business navigate through the ups, downs and growth of business life. So, what could you get from the right Business Coach? * You’ll be stretched and challenged for positive results A coach’s role is to help you stimulate your thoughts around the subject you bring to the session. Through in-depth targeted questioning they should really get you challenging your own thinking until you completely confident in the actions you wish to take forward. This is something that most small business owners or directors find difficult to come across directly in their company from their own staff. * You’ll get personal attention from someone who knows your business inside and out. The relationship you build with your coach will be built around respect, trust and confidentiality. Your coach will ask you questions to get to understand your and your business quickly. Each time you meet you will be confident that your coach is focused only on supporting you and your business. This bespoke aspect of coaching provides business owners/ directors with dedicated time working ON and not IN their business. * You’ll be held accountable and challenged! Your coach will be honest with you. They won’t be afraid to question your thoughts or actions. Whilst your coach will always be looking to support your development and achievements, they won’t be afraid to ask difficult questions to make sure you have real clarity around the actions your taking in your business. * You’ll tap in to your ideas, and find ways to bring them to life. Coaching is really a stimulation bank. Your coaches role is to find questions or approaches, which will unlock your ideas. Most clients have the answers or ideas in their heads, they simply don’t get time or stimulation to unlock them. Good coaches will understand the questions to ask or the creative

When you find the right coach, who you can respect and trust and who you believe respects and supports you, you will find someone whom you can confide in without fear or worrying about leaks of information into the business. They become someone whom you can off-load to or rant at after a difficult week because they will always remain unbiased, calm and supportive. They wont judge you or take sides, they will champion you in an impartial way. In the difficult world of running a business this is an invaluable relationship whether you’re a Director, owner or manager of your business. Here at Double Trouble Development we are 100% committed to the idea that each and every business owner, manger and director in an organisation, whatever the size of the business, should seek out coaching and see the benefits for themselves. We believe there is a coach for everyone out there at the right price and who can build the right connection. However, to find them directors, owners, and mangers have to put a toe in the water and give it a go. Directors of Double Trouble Development, Julie Bean and Gillian Ormston, are always happy to talk to potential new clients about their coaching services and to discuss if Double Trouble fits the clients needs. They do this at no cost and also offer a 100% money back guarantee on any session that they deliver. So with Double Trouble Development their really is nothing to lose. Here is what one their clients had to say about the work that they do: Katy Kennedy - Managing Director at Bid & Tender Support Ltd I have been working with DTD for just over a year and I cannot emphasis strongly enough the difference that has made to my approach to my business and its growth and success. DTD has helped me work through problems with sensible and realistic planning, recognise potential for growth and also areas for development and focus. I have taken on new members of staff, launched new services and doubled the company’s turnover in the space of 12 months, but in a sustainable way. DTD has been an exceptional source of personal support for me and my own development. I cannot thank my coach enough for what she has helped me achieve and celebrate. I look forward to the next 12 months working together.”

If this resonates with you, get in touch with us via email at or by calling us on 01908 299164. Let us help you to take control of stress and live a positive, happy life.


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February 2017 November 2016

BUSINESS COACHING Business coaching for Owners, Directors and Sole Traders

Business coaching provides Business Owners and Directors with the time to explore the areas of strength and potential in their business.


Giving time to develop and investigate their thoughts and find clarity in the actions they will take to achieve the goals and growth they set for the business. Signs You Might Need Business Coaching • You aren’t getting the results you want! • You’re Overwhelmed! • You only have your own ideas to listen to! • You’re sure about what to do in the business, but you’re not doing it! • You need a confidante to talk about your business with!

Double Trouble Development provide Group & Individual

Sign 4 coaching, to give a full flexibility for clients. Depending on their business needs at any particular

If you woud like to know more then contact us to learn more Tel. 01908 596067

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F E B Contents R U A R Y Contact

Your Business Flyer

Telephone 01908 850550

Email Website

Business Coaching Fire Protection Accountancy Legal Networking

2 10 22 24 28

Hello and welcome to the February edition of the YourBusinessFlyer

As always it has been another busy month at Your Business Flyer HQ with lots of news to tell you 2017 is definitely going to be a busy one for us. Check out Double Trouble on Page 2-3 these ladies are the best in the business for Business Coaching. Fall in love Cotels this valentines check out page 7. Business Live is back! With two new locations see page 19 for more info. Also check out Cat Pyjamas copywriting on page 11. Morgan Fire Protection have an interesting read on Page 10-11. Don’t forget to check out page 28 for all your Networking events in Milton Keynes As you know this is the year we launched our 1st MK City Expo, which will be held on Wednesday 18th October 2017 at the Jury’s Inn Central Milton Keynes. Get the date saved in your diary’s it will be an event not to be missed. For more information please see the website

Until next month,

Kelly & the YourBusinessFlyer Team @ybfmk

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February 2017 November 2016 Key Tips for Successfully Tendering as an SME: * Qualify the opportunities, make sure you meet the minimum requirements for suppliers before spending weeks writing your response * List the actions you need to take and work through them methodically so you know you aren’t going to lose points by missing something they have asked for. How to find the right Tender Opportunity * Set out Clear Search Terms for the Type of Work you actually want to win i.e. fits your capability and is going to be profitable work * Calculate a realistic Annual Contract Value, which you should be aiming for, on average aim for no more than 2530% of your annual turnover. * Be clear on your Target Market/Sector

Our Services Bid Administration Bid Writing & Reviewing Bid Strategy & Management Bid Training & Recruitment

* Set geographical limits * Identify your strengths as a business (in terms of experience) and select opportunities within those areas so you know that you have the Case Studies, References and Examples to support your relevant experience on similar contracts. What can we do for you? At Bid & Tender Support our focus is on providing businesses with a flexible and affordable solution to winning more work across the Public, Private and Third Sectors. We deliver a bespoke service taking into consideration your individual needs and requirements, allowing you to focus on your day to day duties. We offer a range of services which can be used individually or together to provide a fully Managed Service. To find out more contact us on 01908 382414 or email

“At Bid and Tender Support our focus is on providing businesses and organisations with a flexible and affordable solution to winning more work.”

For more information and to find out how we can help you, please contact us on 01908 382414 or by email at Alternatively more information can be found at our website: Please mention YOURBUSINESSFLYER when responding to adverts


Your Business Flyer

How to change terms and conditions of employment? There are often times when an employer wishes to or needs to change or amend the terms and conditions they have employed individuals on. Most contracts we come across have a general statement that says they have the right to vary the terms and conditions of that contract by giving 1 months’ notice. Yet despite this clause, changes to terms and conditions can only be made where the employee has consented to those changes otherwise they can claim a breach of contract, work to rule or resign and claim constructive dismissal.

informal conversation and confirmed in writing. A more fundamental change may need consultation to take place, go through the business reasons for the requested change with the employees, ask them to feedback with their concerns or alternative suggestions, which should be considered and discussed with them and agree the change. Once agreed, always confirm any changes to terms and conditions in writing so there is no ambiguity or confusion. Best practice would also suggest a follow up meeting a month or so after the change to determine the change is working.

So, to avoid getting into such a situation, it is wise to seek agreement to any changes. A simple change can be agreed over an


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February 2017 November 2016

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Your Business Flyer


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21/01/2016 14:51

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February 2017 November 2016

BUY TO LET With Belvoir Despite the recent and changes in Government legislation and the introduction of the 3% stamp duty, buy to let investment in the private residential property sector continues to attract interest – with much of it coming from first time landlords. A new report by data analyst, Moneyfacts, says that with average mortgage rates at record lows, and whilst tax and stamp duty have had an effect on the Buy to Let market all indications are that the current market remains buoyant and for people considering their first foray into the sector this could be the right time to do it We have seen an increased demand from pension’s savers looking to make the most of their pension funds and who have decided on a buy to let investment strategy following the new pension freedoms. But we are also seeing an increase in enquiries at the other end of the demographic spectrum, with almost half of 18 to 39 year olds saying they believe buy to let is currently their preferred investment opportunity, with approximately 4 million people in this age group actively trying to buy into the market. However, in a sector which is constantly undergoing change, it is more important than ever to secure the right mortgage deals, choose the right kind of property and location suited to the type of tenant you expect to attract.

To help new investors make the right decisions about their property purchase, Belvoir offers free, initial advice and guidance to anyone wanting to understand more about what and where to buy in their area, the risks and rewards of buy to let and the ‘mechanics’ of property letting, such as referencing tenants, letting the property legally, on-going maintenance and protection of the property. The four key stages for any investor are: * Buying the investment property * Preparing the property to let legally and for maximum rent * Letting the property * Cashing in on the investment, by selling or taking income “A knowledgeable buy to let investor who has taken the time to fully understand the market is much more likely to be successful financially,” “In line with other types of investment such as cash, bonds and share ventures, people interested in buy to let are generally a lot savvier now than they were ten years ago. But the market has changed and investors need to understand fully what they are entering into and what they can expect to get out of it.” If you are thinking of getting into the buy to let property rental market as a new investor and don’t know where to start, or you would like some impartial advice and guidance to get the best return on your investment, call us now on 01908 562582 or pop along and speak to us in person at our offices in Stony Stratford.

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Morgan Fire Protection Ltd

Est 1986

FIRE ENGINEERS and CONSULTANTS Morgan Fire Protection has 30 years experience in the fire protection industry servicing all types of public and private sector businesses as well as small and medium sized independent traders. We are a national company with engineers living and working in the Midlands and Milton Keynes area. Morgan Fire engineers are trained, experienced and DBS checked. Morgan Fire’s commitment to providing a quality service is reflected in our extensive range of accreditations, including SAFE contractor and BAFE registered (British Approval for Fire Equipment). Morgan Fire offers a range of services including:

Fire alarms & emergency lighting We can advise you on the extent of protection your business requires from fire detectors, alarms and emergency lighting to meet the required standard, and assist you with supply, installation and system maintenance. Portable appliance testing (PAT) Morgan Fire can advise which appliances require testing annually in accordance with current Regulations. Staff fire training - Fire extinguisher training, fire awareness and fire marshall training courses are offered with optional live training rig. We can advise on the most suitable training programme for your employees.

Portable fire extinguishers - You will benefit from fully guaranteed products at competitive prices. We service all makes of extinguisher to BS5306.

Fire risk assessment - Our risk assessor will provide you with an easy to understand document, free of jargon. You will also receive information on reviewing your assessment, fire training, emergency fire plan and record keeping.

Dry riser testing & repair - Morgan Fire engineers carry out annual wet, six monthly visual, flow and private hydrant testing to current standards, using our own dry riser appliances.

Fire & safety signage - We offer supply and installation for individual signs, as well as advice on systems that provide a consistent application for your organisation.

Please get in touch regarding your no obligation quotation! Freephone 0800 0856381 or local rate 0121 2850283. Email or online enquiry form For a guide to pricing follow this link:


To advertise call 01908 850550

February 2017 November 2016

Morgan Fire Protection has 30 years experience in the fire protection industry servicing all types of public and private sector businesses as well as small and medium sized independent traders. Morgan Fire offers a range of services including:

Portable fire extinguisher - You will benefit from fully guaranteed products at competitive prices. We service all makes of extinguisher to BS5306.

Dry riser testing & repair - Morgan Fire engineers carry out annual wet, six monthly visual, flow and private hydrant testing to current standards, using our own dry riser appliances.

Fire alarms & emergency lighting - We can advise you on the extent of protection your business requires from fire detectors, alarms and emergency lighting to meet the required standard, and assist you with supply, installation and system maintenance.

Portable appliance testing (PAT) - Morgan Fire can advise which appliances require testing annually in accordance with current regulations.

Staff fire training - Fire extinguisher training, fire awareness and fire marshal training courses are offered with optional live training rig. We can advise on the most suitable training programme for your employees.

Fire risk assessment - Our risk assessor will provide you with an easy to understand document, free of jargon. You will also receive information on reviewing your assessment, fire training, emergency fire plan and record keeping.

Please get in touch regarding your no obligation quotation! Freephone 0800 0856381 or local rate 0121 2850283. Email or online enquiry form For a guide to pricing follow this link:

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Your Business Flyer

MP’s Diary The Golden Years! Just in you case you hadn’t heard Milton Keynes is celebrating its 50th birthday! A yearlong programme of events have been created to celebrate the birth of the “New Town” back in 1967. Developed as an answer to alleviate the chronic housing situation in London, Milton Keynes became a truly ground-breaking initiative which has been able to attract over 260,000 residents and encourage a wealth of recognised major international businesses.

your seats go to Consistently ranked in the top 10 UK marathons, May 1st is the date in the diary for the annual MK Marathon and this year each competitor will receive a very special commemorative medal. MK Gallery consistently offers a diverse range of the arts and City Club is a year-long programme of new art, performances, family activities, events and talks inspired by the original cultural plans for the city. In partnership with artists, arts and cultural organisations across the city, MK Gallery invite you to join their very own unique celebration. Take a look at for the range of events on offer.

Milton Keynes will be keeping each household up to date with a souvenir programme listing a wide variety of activities, in fact there is something that everyone can get involved with and share in this landmark birthday. Here’s just a small sample of what we can look forward to throughout the year. On 9th February, you can see the birth of Milton Keynes through the eyes of local man Lee Scriven, in his film 106 Roundabouts and 3 Curly Wurleys. The archive footage is wonderful viewing and demonstrates how innovative our forefathers truly were. To book

Email Tel 01908 686830 Or visit the website We are a family run business with 30 years + experience within the commercial and residential interiors industry. Darren Tel: 01296 660034 Mobile: 07769 975186 JMDA Interiors Ltd Andrew Tel: 01993 831382 Mobile: 07840 347234

Our services include;

End of lease dilapidations Flooring Bathrooms/Ensuites/Kitchens New office partitioning Plumbing installation and finishes Space planning Tiling Building works Electrical works Plastering External works also undertaken Suspended ceilings Decorating Glass Partitions 26 Windsor Road, Pitstone, Buckinghamshire, LU7 9GD 12

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February 2017 November 2016

Challenge House offers a bespoke competitive service to clients. Our modern facilities provide opportunities for training courses, meetings and conferences. —— Free Wi-Fi and dedicated internet access to all meeting rooms —— All meeting rooms include free flipchart, whiteboard and markers —— Seating configuration tailored to the requirements of the client —— Conference call facilities —— Video conferencing available —— On site catering facilities —— Audio visual equipment available —— Flexible pricing structure —— Free Car Park

Virtual office address with post; Free Wi-Fi and cafe lounge services from £35* month

Dedicated desk spaces in shared space from £115* /month

Private offices with workstations from £250* /month

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Your Business Flyer

MP’s Diary Milton Keynes is officially 50! On 23rd January, the day the Charter was signed 50 years ago, I attended a celebration at Bletchley Park. The Queen was represented by the Lord Lieutenant, Sir Henry Aubrey-Fletcher and the High Sheriff of Buckinghamshire, Milly Soames, led the VIP list. Many local business people and local politicians joined in the celebrations. Looking at the list of events already planned for the year there should be something to enable everyone in Milton Keynes to join the fun. The events that are already planned are listed on the MK50 website Why not run your own event? The website provides guidance on how to organise your own event, so please celebrate the 50th Anniversary by joining in major events, running your own, or better still both! 2017 will see the start of the negotiations for the UK to exit the European Union. As I write this the exact timescale is yet to be published, but Theresa May and the Government is committed to honouring the wishes of the people. I will vote in Parliament to respect this view. In my role as Parliamentary Private Secretary to Dr Liam Fox, the Secretary of State for International Trade, I am working towards increasing the amount of goods and services the UK can sell to other countries, as well as increasing inward investment. These initiatives are in addition to those designed to maintain a strong trading relationship with EU countries after the UK has exited; after all we traded with all the countries before the EU was formed and many of them


since the UK joined the EU in 1973. Middleton Hall was alive on the weekend of 27th and 28th January when the bi-annual job show took place. It was good to see that the organisations exhibiting ranged from nationally known household names to emerging local companies, both of which need to draw on the many talents of the people of Milton Keynes. With an unemployment rate of just 1.1%, the lowest for years, there are plenty of opportunities to reduce that even further as well as offering those in employment the chance to move. The job shows when coupled with the annual National Apprenticeship Show, this year’s is on 13th and 14th March at the Arena:MK, evidences what a vibrant economy we have in and around a 50-years old new town! I hope to meet many of you during the numerous MK50 and other events I will be attending this year.

House of Commons, London, SW1A 0AA Email Tel 01908 686830

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February 2017 November 2016

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about bartercard Bartercard’s mission is to create value and opportunity from the unrealised potential in the business of each and every Bartercard member around the world.


artercard was founded in 1991 in Australia, and has grown to become the world’s largest barter exchange.

Bartercard’s unique barter system allows businesses to trade their goods and services within the Bartercard business community. It is an innovative way of combining modern technology to help increase sales and conserve cash through a community of likeminded businesses by barter-trading instead of paying cash. Bartercard gives the opportunity for members to connect with each other and capitalise on the unrealised potential in their business.

0800840 8406333 6336 Call: 0800 or visit: 16

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February 2017 November 2016

Bartercard has helped to create new opportunities and drive business growth

Bartercard will: • • • • • •

guarantee new customers increase cashflow increase market share move excess stock or fill seats fill downtime open new business networks

With over 2,500 cardholders in the UK, it’s a great way to build value in your business.

Call: 0800 840 6336 6333 or visit: Please mention YOURBUSINESSFLYER when responding to adverts


Your Business Flyer

Audi A4 2.0TDi 190hp Sport Saloon The Audi A4 is one of the best cars I have driven, for the price, with plenty of gadgets for the techies. Its closest rivals include the ubiquitous BMW 3 Series, the similarly popular Mercedes C-Class and the sharp-driving Jaguar XE.

PERFORMANCE: 5 Stars The Audi A4 comes in a varied engine range. The 2.0TDi 150hp is a great engine with great economy, however if you want a little more poke to be the quickest to 30mph then either the 2.0TDi 190hp or the 3.0TDI 218hp. If you love your petrol motors then the 1.4TFSI 150hp or the 2.0TFSi 187hp are the ones for you. All very economical and lovely to drive, to be honest, Audi don’t produce bad cars…

COMFORT/HANDLING: 4 Stars When ordering your new A4 have the leather interior, don’t get me wrong, it’s very comfortable but I feel the leather seats would finish it off in the SE and Sport models. Heated too as it’s not getting any warmer… One of the things I love about the Audi A4 is how everything is at your fingertips. From the Satnav to the 3 Zone climate control for the people in the back. I also love how you can adjust the ride style, so if you wake up in the morning wanting to race everything on the road, then stick it in Dynamic mode and away you go. It’ll also stiffen up the suspension and steering. Or if your cruising the vast motorway system then stick it in Comfort mode and just breeze over the lumps and bumps in the road.

INTERIOUR/EXTERIOUR: 4 Stars The interior in the Audi A4’s are very refined, As mentioned before, you have everything at your fingertips which is great for comfort but also safety. Audi have thought of almost everything when it comes to the vast cabin space. Even down to little things like extending the drivers and passengers seat to support more of your legs. Audi have produced the A4 since 1995 and I must admit, when I saw The Transporter, I thought it looked amazing, I think it has gone from strength to strength. Very slick and elegant even down to the LED indicators on the S-Line model.


The Audi A4 in general is a great all round, practical vehicle. If you have a family with a cavernous boot or a company car driver who like that little

You won’t go wrong with this car.

Verdict - 10/10 MPG - 38.7-74.3 mpg CO2 - 103 Top Speed - 120mph 0-62 - 7.7 MPH On the road price £26,350

(Lease price £249.99+vat over 3 years with 6 payments up front based on 10k miles a year)


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February 2017 November 2016 Volvo XC90 D4 R-Design Nav

Volvo XC90 D4 R-Design Nav

6 initial rentals 35 payments

8k a year £199.99 + vat

01908 596071


Business Live is BACK.... Monday 13th Feb 2017 at Maaya in The Hub 12 pm till 2pm Friday 24th Feb 2017 at Stadium MK 12pm till 2pm Email: Tel: 07752160049 Website:


From editorials to blogs to leaflets

Call today for a no obligation chat

01296 720188 or 07725 315249

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Your Business Flyer

Things People Don’t Consider About SEO... SEO, which stands for search engine optimisation can be tricky to get your head around at first, but the idea of it is to bring traffic to your website for your chosen topic. This may sound simple but it can be a complex task! Due to there being a lot of misinformation about how to rank a page and putting it at the top of search engine results pages (SERP), it’s easy to not put these things into consideration... You’re unlikely to beat the top brands your company might be in competition with. If you are a new start-up small fizzy drinks company, can you really take on Coca-Cola? Probably not. So try to keep a realistic approach on what your SEO goals are and where you want to rank. But don’t give up there, there are ways to get round this. By knowing your target audience you’ll be able to create efficient keywords and phrases.

Some key pointers would be to describe your products, define what makes them different to other company’s products. Most importantly target locations, get your company well known in the areas you focus on. Another way is to optimize your brands name so you can still be found in search results, or consider doing paid ads to gain awareness of your brand. Good content marketing is key to success, but the unfortunate thing is, all businesses know this. So to try and appear above the competition you should always see what they are doing first, as this way you can define what you can do better. Also you are going to have to invest in a lot of time to create good content, this would include daily posts on social media, weekly blog posts and key word research to see what’s trending. By linking all this content back to your site you’ll create more traffic, also Google will recognize this and prioritise you more in the rankings. A very important misconception that people have is the fact you’re not trying to rank a site as a whole, you are ranking each of the pages


within the site. Think of your site as segments and each segment is tailored to different rankings. If you focus on pages that will have the most potential and interesting content for customers, you’re likely to draw in more people. Although people can forget having low ranking uninteresting pages can lower your rankings on Google and your site as a whole. So it might be wise to consider getting rid of useless pages and keep what’s effective. Helpful checklist - Things to think about!

✓ Is your website responsive for mobiles and tablets?

Do all your pages have correct ✓ TITLE meta tag?

✓ Do all of your links and

pictures have ALT tags or descriptions?

Are your images small in file ✓ size and named accordingly?

✓ Does your copy make sense and mention your keywords/topic phrases?

Overall there is a lot to know about SEO and it’s important to keep up with all the latest trends so you can be the first to know all the latest changes in the SEO practices. If you would like a FREE website and SEO Audit please visit our website or drop us a call on 01908 231230 where one of our specialist team would be happy to help.

“Can You really take on Coca-Cola?..” Written by Scott Jones 123 Internet Group are a full service creative marketing agency. With a head office in Milton Keynes and further locations in Northampton and London we support a national audience with web design and development, search engine marketing, social media management, hosting and email services.

Phone: 01908 231 230 Email:

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February 2017 November 2016


COURSE DATES 24th May 2017

18th Oct 2017

Mercure Hotel Abbey Hill, Milton Keynes


11th January 2016 Northamptonshire Chamber of Commerce

A company who stops marketing to save money... Is a company who stops their clock to save time. RESERVE YOUR SPACE: Milton Keynes - 01908 231 230 Northampton - 01604 231 231

Google Analytics – Understanding Your Visitors Google Analytics doesn’t just provide you with website insights; it’s incredibly valuable to the commercial success of your business. From marketing campaign optimisation through to budget allocation, this course will give you direction on how Google Analytics can benefit your business. Social Media Best Practice Social Media is a must for any business, but just posting content won’t cut it. This course will provide you with the essential information for you to understand the marketing fundamentals of social media, develop an online strategy to meet your business requirements and enable you to build a trusted relationship with both your existing and prospective customers. How SEO and Social Media Work Together At first, it can be difficult to see how SEO and social media are related, which is understandable considering they’re two completely different entities. This course will give you insight on the relationship between SEO and social media, teach you best practices for search engine optimisation, and provide you with valuable information on content strategy marketing to strengthen your brand and your online standing.

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February 2017 November 2016

PUTTING BRITAIN’S SMALL BUSINESSES FIRST At Berics, we know what it takes to run a small business. Let Berics handle:


01908 904122

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Company Payroll likely to increase in 2017.. With businesses reaching end of financial year and submitting tax returns many business owners take this opportunity to plan for the coming year and review the last year’s expenses. The largest overhead is generally that of staff. This month we will look at some recent news concerning employees and the associated overhead. The Resolution Foundation has published a report that suggests workers on zero hours contracts are £1,000 a year worse off than employees doing the same work. According to the Foundation, although all workers without a permanent, full-time role are paid less, workers on zero hours contracts in particular suffer a “precarious pay penalty” when compared to other types of worker carrying out similar jobs. For example, the report estimated that zero hours workers suffer from a pay penalty of 6.6% which, when working 21 hours a week, amounts to £1,000 a year. The pay penalty associated with zero hours workers in low-paid roles is far worse, with workers incurring a pay penalty of up to 9.5%. However, the report also found that the pay difference does not result solely from the frequency of zero hours workers in low-paying sectors or a greater concentration of younger and less experienced staff. Instead, by directly comparing the pay of zero hours and non-zerohours workers with similar characteristics and in similar roles, the Foundation was able to pinpoint a specific penalty associated with zero hours contracts. A report by the Low Pay Commission (LPC) suggests that almost one in five apprentices in the UK are underpaid, with some barely receiving £1 an hour. The national minimum wage for apprentices is currently £3.40. According to the report, of the 9,000 apprentices surveyed as part of the government’s Apprenticeship Pay Survey, 61% were paid less than £3 an hour, while 2%


received a rate between £1.01 and £1.10 an hour. The report recorded the highest number of underpaid apprentices in the hairdressing industry, followed by the childcare, construction and electrical sectors. The Shadow Skills and Apprenticeships Minister described the revelations as “concerning and disturbing”, fearing that the figures “risk tarnishing the apprenticeship brand, to the detriment of all those who are being good employers”. In light of this report, the government is seeking to tackle minimum wage abuse in the UK. The government will seek to develop a strategy to centralize intelligence shared between the various bodies that tackle worker exploitation and improve how they work together, this will include the HMRC national minimum wage enforcement team. The government will also be drawing up an annual strategy targeting sectors and regions which are vulnerable to unscrupulous employment practices. Some business owners see the use of zero hour contracts and appointing apprentices as cost effective labour. However, British workers are set to receive a wage increase as low unemployment figures and strong economic forecasts drive up wages. According to Adam Slater of Oxford Economics, UK wage inflation will increase from 2.4% in 2016 to 2.9% in 2017. Figures from the Office of National Statistics show that employment vacancies in the UK are at one of the highest levels on record, while inflation is also picking up. This may mean that employers come under pressure to pay higher wages both to retain staff and recruit additional people. So when you are thinking about who to recruit and how much to offer as a salary you may want to note the above developments and forecast for the coming year. This article should not be treated or relied upon as legal advice and you should seek legal assistance for your own individual circumstances)

Tel: 01908 410844 Fax: 01908 410866 Email

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February 2017 November 2016

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Your Business Flyer

Why it is important to protect the senior personnel in your business Increased regulation, advances in employment legislation and other laws coming into force all create challenges for businesses wishing to expand. This is further complicated when set against a backdrop of a growing compensation culture. With many changes happening rapidly, this can create an issue for businesses in terms of previously recommended insurances. These policies may not being able to keep pace and may be at risk of failing to provide sufficient protection. There are four types of cover that businesses should consider when the reviewing their existing insurance programmes: directors and officers liability (D&O), employment practice liability, internet and email liability and commercial legal expenses cover.

is growing. As are the types of causes where courts can award damage above the normal limit of ÂŁ50,000. Businesses should ensure they follow good employment practices to minimise the risk of these claims occurring but this type of insurance can offer business owners further peace of mind.

&O cover is essential for any organisation D as it provides cover for directors, supervisory and management staff. It will protect these individuals should a claim be made against them for alleged wrongful acts, such as a breach of trust, neglect, error, breach of duty and misleading statements. If a senior person makes a decision that results in a loss either for their business or a third party, i.e. a client, then that person can be held personally and legally liable. To date there has been a relatively low take-up of D&O cover among small to medium sized businesses. A Datamonitor report published in 2013 found that only 21% of the UK SME market purchased D&O but this is expected to increase as business managers look to reduce their exposure in this area.

Lastly businesses can be sued for a whole range of commercial issues including tax and VAT issues, data protection issues and breach of regulations; cover can be purchased for the legal expenses incurred or costs awarded against the businesses in these eventualities.

nother important area of cover is A employment practice liability. This is a specific cover that businesses can purchase for protection in a tribunal or other civil cases made by employees. The number of instances where wrongful dismissal claims can be made


The technological advancements over the last decade or so have forever changed the way business is conducted. Email and the internet are used on a daily basis and can bring a number of risks that businesses have not necessarily considered, notably email libel, defamation and breach of copyright. There is an insurance policy available to cover these risks.

Having the appropriate insurance cover helps to ensure a business can withstand an encounter with any of these issues, giving peace of mind to managers who can then focus on growth. Working with a broker can help to identify any further risks that a business might face to enable managers to implement any changes or procedures necessary to safeguard the business as it expands.

By Nick Pay, Branch Direc tor of Bluefin Milton Keynes 01908 55 2370 .uk

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February 2017 November 2016

We make more of your business Calling all specialist service providers‌ You may be able to grow your business (or create a new one) by licensing your specialist services to other providers. It’s easier and less expensive than franchising but has many of the same features and benefits.

To find out more contact us for a free consultation. (also at Phone: 0845 5820 144 Email: Twitter: @TheReplicoCo Facebook: 71 Castle Road St Albans Herts AL1 5DQ (Also in Kent)

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Networking information

Busy Women Networking - Contact Aruna 07957 284851 Lunchtime women’s business networking meetings twice a month. ........................................................................................................ Enigma Networking - A breakfast networking group based in the heart of Milton Keynes offering an exceptional networking opportunity in a relaxed environment. ........................................................................................................ Business Buzz A fresh vibe in business networking, this drop-in session is a great way to catch up with the local business community in Milton Keynes. There is no membership, no booking, just £5 on the door. Meeting every 3rd Friday of the month between 10am-12pm Revolution De Cuba, 21 Savoy Crescent, Milton Keynes MK9 3PU ........................................................................................................ Business Live is BACK... Monday 13th Feb 2017 at Maaya in The Hub - 12 pm till 2pm. Friday 24th Feb 2017 at Stadium MK - 12pm till 2pm Website: Email: Tel: 07752160049 ....................................................................................................... Milton Keynes Chamber of Commerce - So whether you prefer an early morning full English breakfast, evening buffet or networking with a theme we have something for all businesses ........................................................................................................ Newport Pagnell Business Association - An organization that promotes the interests of business within the Newport Pagnell area ........................................................................................................ Women In Enterprise - Networking organization for women in business providing opportunities for self employed and employed women to do business, share experiences, learn and find new friends. ........................................................................................................ Networking Frosts - Breakfast group held on 2nd & 4th Monday of the month at Frosts Garden Centre. ........................................................................................................ Business Growth Club - Breakfast club with relaxed networking ........................................................................................................ 24/7 Business Networking i-Centre in Howard Way, Newport Pagnell MK16 9PX where a delicious hot or cold breakfast will be served along with unlimited hot and cold beverages. The cost of the meeting is just £15, and includes breakfast and beverages throughout. Friday 5th & 19th August. Contact Sheelagh Ratcliffe 07917 871743 ........................................................................................................ Build Your Business @ The Drop Off Café 42 Wordsworth Ave, Newport Pagnell MK16 8SB. Rachel Burgon 07977 169499 Every other Monday from 6th June ........................................................................................................ Grapevine Business Networking Club is a friendly and supportive group that meets every Thursday 7am to 8.30am at Abbey Hill Golf Club. Find out more or book as a visitor at or contact our Secretary Melvyn Page on 01908 465045.


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February 2017 November 2016

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You may pay attention to how your brand looks, but have you ever considered how it smells or sounds? To relate with a customer through sight, means thoughts being processed via the cortex, a relatively straightforward practice. However, other senses have a more direct and emotional impact on us based on how they are processed to the brain. This gives brands huge potential to prompt customers into buying.

sound. Whether this be sophisticated Jazz, high

Dance, or a spoken sales promotion, our business is highlighting yourenergy business... music and messages have the power to


Our most powerful sense is our sense of smell; it is proven to immediately influence our mood and feelings. No what matter the industry or audience, scent is a tool that can play a discreet, yet powerful role in transforming your brands identity and fulfilling an experience for maximum effect at a minimum cost.

• •

Neutralise odours More effective than plug-ins • Connect with One of the most immediate and effective ways to influence customeron behaviours clients an is through emotional level

influence customers; drive sales, increase dwell times and reinforce brand identity. Carefully selected audio marketing achieves a plethora of positive effects with bring a brand to life and differentiate it from its competitors.


Brands have personalities; they have attitudes and communicate expectations. To be recognized differently from your competitors and create impressionable experiences for your customers; whether it be through well chosen audio marketing or tapping into other sensory influences, bring your brand to life with ioh branding.

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Engage customers Increase dwell times Reinforce brand identity through sound

Multi-Sensory branding specialists hbr a nd ing .c o.u k

0333 2000 715

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• • •

Engage customers Increase dwell times Reinforce brand identity through sound

0333 2000 715

To advertise call 01908 850550

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February 2017 November 2016 A5 advert 2:Layout 1 04/09/2015 09:43 Page 1

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Your Business Flyer | February 2017  

Business to Business advertising magazine delivering 5,000 copies every month to decision makers in Milton Keynes and surrounding areas.

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