Sandra Kenrick

Covid-proof businesses are managing to extract every last drop of fast-thinking entrepreneurial initiative. These businesses aren’t just jumping on the face mask and sanitiser train, they’re adapting their business models for survival.
Survival is the name of the game as a 17.2% dip in the UK economy from February 2020 to June 2020 highlighted the grip COVID-19 has on businesses. With restrictions due to increase as we enter a second lockdown, businesses will need to pull out all stops to ens...

County court judgements – also referred to as CCJs – are on the rise. With the state of the global economy, it’s no surprise. What is surprising, however, is that the average value of these judgements has almost halved.
The in-house credit expert at Portify revealed that judgements over £500 are decreasing, while those under £500 are now on the rise. We explore some of the reasons for this turnaround, and also take a look at ways to remedy the situation.
5G is here – and shares of this ‘sleep...

The Amazon Business Prime American Express credit card bottom line
Amazon Prime members that need a cash injection to grow their business, expand their product line, or even start another business will find the Amazon Prime American Express card to fill the gap. It offers a deferred payment option of up to 90 days, or the opportunity to earn 2% Amazon Rewards. It offers the opportunity to waive the £50 annual fee with sufficient spend, and carries a representative APR of 32.6% variable.
What ...

The Amazon Business American Express Credit Card bottom line
This card is a great cash flow solution, especially if your stock turnover is within the interest deferral period. While the APR seems a little steep with no introductory APR, it makes up for it with a reasonable annual fee.
Credit Rating Requirement: Good/Excellent
What I like about the Amazon Business American Express Credit Card
I’ve always been a fan of business credit cards that allow an interest-free period, even if only for a...

Monzo Premium is an account that makes other accounts seem a little bourgeois with its white metal card and a long list of features. But it also comes with an annual price tag of £180.
While I have to admit that I’m drawn to that metal card like a millennial to an artisanal bakery, Monzo will have to wow me with their benefits in order for me to give up my very comfortable £5-a-month all-inclusive current account.
5G is here – and shares of this ‘sleeping giant’ could be a great way for you t...

Your car insurance premium is about more than just your age, driving experience and claim history. One thing you may not have considered that could have an effect on your insurance is your tyre tread. Sure enough, if the tread is below a certain level and you’re in an accident, your insurance company might not pay out your claim.
But there’s more to your tyre tread than just the refusal of a claim. If you drive with a set of four faulty tyres, you could face a fine of up to £10,000. According...

Finding cheap train tickets might not seem like a big deal until you realise just how much you can save.
As an exercise, I scoped the net for the best price for a train ticket from Leeds to Birmingham and decided to pit Nationalrail.co.uk, Trainline.com, and Raileasy.co.uk against each other to see who came out on top.
I chose 1 November as my travel date and selected a one-way trip for a single passenger any time after 4pm. The cheapest ticket from National Rail was £25.70 and, and I got the...

Knowing how to negotiate your salary is an essential skill if you want your salary to remain market-related. A Forbes study in 2014 found that employees who stayed with a company for more than two years got paid 50% less over their lifetime.
But salary negotiating is also a vital skill when you do decide to hit the job market, whether you’re aiming for one of the top salaries in the UK or just looking to improve your personal cash flow. Armed with the right information, you’ll be on your way ...

Bad credit personal loans have been around for some time, but they tend to gain popularity in times of financial tumult. It wasn’t too long ago that a bad credit score was a major obstacle that could not be overcome, and lenders wouldn’t consider a score that dipped below 670.
But a few things happened in the last decade or so to change that. We experienced the chaos of the mortgage crash and the subsequent recession, and of course, COVID-19. Mass job losses and furloughing have also played t...

The Barclaycard Premium Plus Business Credit Card bottom line
It’s tough to beat a Barclaycard when the brand brings out a long list of perks and benefits, and the Barclaycard Premium Plus Business Credit Card is no different. Not only does it offer inclusive travel perks such as the coveted lounge access, but also cash back on qualifying spend. Also, an introductory APR of 0% applies to qualifying purchases in the first six months after signing up. But this card also comes with an enormous p...

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Our bottom line
It’s hard to ignore BMO’s longstanding history in the market, and for investors, the backing of 200 years’ experience plays a big role in the decision-making process. The BMO Stocks and Shares ISA...

This quick guide on how to start an online business will equip you with the basics, whether you’re looking to start the next big startup or simply need to supplement your income with a side hustle.
Not only can an online business be a lucrative way to earn an income, it can also be one of the easiest ways to earn money from home.
It’s important to remember that an online business, despite not having a traditional brick-and-mortar shopfront or office, still needs to tick some legal and operati...

Just a few years ago, the thought of online car loans might have seemed a little futuristic. However, the internet has shortened the distance between lender and customer. Studies show that 27% of Brits are happy to purchase their cars online without a test drive. So why should financing be any different?
Car loan financing has certainly come a long way in recent years. However, if you’re considering online finance, it still helps to compare what’s on offer with traditional channels to ensure ...

Can you sell coffee online? If that question has been playing on your mind, welcome to the tribe! You reach a certain age where you understand the hype around coffee. Where, like me, you simply feel like you’re stuck in neutral until that first cup of steaming bean water courses through your veins.
Studies show that fresh ground coffee pods generated revenue of £305 million in 2017 and fresh ground coffee generated £214 million for the same period. That’s because us self-declared coffee snobs...

Investment news apps keep our fingers on the pulse of market news as it happens. For traders and investors alike, staying abreast of finance news is critical to making the right decisions when deciding on investment strategies.
We’ve rounded up some of the best investment apps in the UK and abroad. Our top picks provide succinct financial information that’s easy to navigate, fresh and relevant to ensure that you stay on top of the markets.
1. Bloomberg: where news and market indicators combin...