Neil is the director of AMB Accounting. Neil started his training in 1980 with a firm of accountants in Dunstable. He then went on to achieve many other qualifications and letters after his name but found his real niche in business and consultancy.

He has run and is running several successful businesses. So if you need great, no nonsense business help and advice, Call Neil 07511933899

Marina obtained a Master of Accounting Degree in Australia. When the family relocated to Oxfordshire in 2004 she had to do the whole thing all over again achieveing ACCA membership in 2005. Marina's background is all in practice. Marina's keen interests are tax minimisation and helping the clients grow their business and improve profitability. So if you are looking for great tax advice or you increase profits, speak to Marina. 01993864883/07733 884409

Cheryl is a fully qualified AAT. Cheryl does much of the bookkeeping jobs for AMB Accounting's clients. Cheryl is thorough, meticulous and very experienced. She is a dedicated member of the team and her lovely personality makes the office shine. She is good at her job, on the ball and doesn't miss a trick.

AMB Accounting's take on Cheryl: flexible, friendly, capable, dependable, reliable and bright. Score: 11 out of 10 again!

Emma is also a qualified bookkeeper, but rarely these skills are put to the test. Emma has been so well-liked and respected by our clients that her time is fully taken up by the clients she has been assigned to. Emma puts the interest of AMB Accounting and its clients before herself. She always looks at ways to improve processes at AMB Accounting. She has been responsible for many of the initiatives that have taken AMB forward at such a rapid rate.

AMB Accounting's take on Emma: Dedicated, genuine, trustworthy, intelligent, inspirational, capable and kind. Score: 11 out of 10 again I'm afraid!

Tip 1: Working Tax Credits and Child Tax Credits are a great source of TAX FREE cash. Don't miss out.

Tip 2: Cash is KING: Do a simple cash-flow projections and then plan and update it at least once every two weeks

Tip 3: If your profits are higher than £15,000 pa consider forming a company

Tip 4: As you earn, depending on your business, put 10-25% of your net sales invoices aside for tax

Tip 5: For companies, it might be more tax effective to switch from normal life insurance to Key Man Insurance

Tip 6: Review your credit policy and get tougher with late payers. Chasing debt s wastes your time & time is money

Tip 7: What is your competition up to? Make it your business to find out!

Tip 8: When appropriate, use real pictures in your advertising. Readers are most likely to read text with a picture

Tip 9: Plan your marketing. Haphazard marketing wastes time and effort AND money!

Tip 10: GET A FANTASTIC ACCOUNTANT - yes, really!