If someone is tithing to you and you're worried that it's too much or it's too big of an item, or it's too much of their time to expect them to give, simply ask: "Are you sure?" If they say yes, then graciously accept their tithe so that all may prosper.

3: Tap into circular flow of tithing energy. Energy must flow, in and around and through us or it becomes stagnant. This goes for money energy as well as any other kind of energy. We must give freely and receive freely or we will put a bottleneck in universal flow of energy. We stop up our own prosperity and that of those around us when we react in fear or shame whether we're giving or receiving.

I was part of an unusual tithing situation last Tuesday that brought this home. I spent some time with my wonderful spiritual mentor, Nellie, and tithed to her. Later than evening, I received a tithe from Nellie and from my church. I was so grateful for unexpected tithe, and for how deeply I was moved during that evening's meditation, that I immediately tithed 10% of what I'd just received back to Nellie. Sometimes, you will find that you spiritually feed each other. Honor that with your tithes. Don't withhold them because you think it's "weird" to tithe back to someone who just tithed to you. For tithing is what we all do, all day, whether we know it or not.

You tithe of your talents, even in your everyday work world. I tithe of my talents, when I put words on paper. Give freely, open and receptive to good that will be coming to you. This good may come in form of a steady paycheck, or it make come in form of an occasional tithe. Be open and receptive to letting Spirit decide how that good will come to you. Release fear and open your heart to give and receive your tithes.

Aren't there any other matters to consider in deciding whether to incorporate or not?

Higher administration costs to comply with company law, payroll and bookkeeping is one factor. Another issue is pension planning. Extracting profits out of company as dividends rather than salary means that there will be no "net relevant earnings" and therefore pension contributions can't be made. But advent of stakeholder pension plans has meant that contributions up to œ3,600 per year can be made without need for any earnings. If a person does not wish to transfer funds in existing plans into stakeholder because of high charges, there is a way out: best net relevant earnings (i.e. salary) in five consecutive years can be used for making contributions for next five years, even if there were no salaries in remainder four years. It is comforting to know that entitlement to basic state pension is not affected by taking a salary from company at level of a person's personal allowances i.e. œ4,615.

Furthermore, an individual may decide not to bother with pension plans and instead invest in ISA. Often, these can be more efficient than pensions but that's beside scope of this article. If that option is taken, no salary is necessary.

Another factor is business motoring. It might be tax advantageous for an unincorporated business that owns many cars not to incorporate because if these cars have some private use there will be benefits in kind taxed on users. These are generally higher than straight apportionment between private and business for all car running costs in case of sole traders.

The conclusion is that there can be considerable tax savings waiting sole trader who decides to go down road to incorporation. But, one needs to proceed with caution and careful planning. And don't forget biggest advantage of incorporation, which is Protection from Personal Liability. Incorporating is one of best ways to protect a business owner from personal liability. Shareholders of a company are generally not liable for obligations of company. Creditors of a company may seek payment from its assets, but not assets of shareholders. This means that business owners may engage in business without risking their homes or other personal property.

Thank you for taking time to read this Article. I hope you've found it useful. If you have, please drop me an email and let me know what you think.

You can email me at...

constantinesavva@accamail.com

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