The 2027 Employment Insurance rate and earnings ceiling were published on 17 September. Here is what the increase costs per employee and across a crew, why the employer's 1.4 multiple is the part that gets underestimated, how Quebec differs, and the separate self-employed opt-in that is far harder to leave than to join.
A business customer who pays late owes you statutory interest at 11.75% a year and £40, £70 or £100 in compensation, whether or not your terms mention it. When an invoice is legally late, how to work out the figure, how to claim it, and what the Commercial Payments Bill would change.
Queensland applies above $3,300, NSW and Victoria above $20,000, the NT above $25,000, and Tasmania has no compulsory scheme. The home warranty insurance line in every state and territory, when the cover has to exist, and what changed in Victoria on 1 July 2026.
The FTC's Consumer Reviews and Testimonials Rule did not ban asking for reviews or rewarding them. It banned five specific things, with civil penalties of up to $53,088 a violation, and the first warning letters went out in December 2025. What a contractor may still ask for, what is off limits, and a review programme that stays on the right side of the line.
Most trades who take away what they rip out need upper-tier waste carrier registration, because repair and refit waste counts as construction waste. What it costs, the paperwork each load needs, and what England's 2027 permits change.
Unbilled extras are not lost at the invoice. They are lost in the four seconds before you say sure. The four things a change order has to carry, three ways to price one, the text message that works from the driveway, and why a commercial directive is a different instrument entirely.
Labour Day is Monday 26 October 2026. Whether each person on your crew gets a paid day off, time and a half, or a day in lieu turns on one test in the Holidays Act: would Monday otherwise have been a working day for them? The test, the pay, alternative holidays and a worked example.
The 25C heat pump tax credit and the 25D solar credit ended for work installed after December 31, 2025. What that means for a deposit paid last year, for the customer still filing a 2025 return, for the rebates that may remain, and for the lines to change in your quotes.
Making Tax Digital for Income Tax began on 6 April 2026 for turnover above £50,000. How to tell whether it applies to you, what the 7 November update contains, and why CIS subcontractors count what they invoice, not what reaches the bank.
Super now has to reach the fund within seven business days of every payday. Here's how the ATO counts the days, what the 12% covers and what a missed payday costs.
