My purchase of a Dell XPS 13 2015

So I got to thinking that my HP 5330m with SSD does not have too much life left in it although it’s a brilliant machine, starting a new business and I need some new hardware to go with it.

After a bit of perusal of what to buy considering sticking with HP or going to Lenovo (price put me off) I ended up going back to a Dell machine, and all the reviews of great Ultrabooks of 2015 mentioned the XPS13 as a leading contender. So I went through a series of youtube video reviews – debating if they keyboard size would be a problem and thought I would take a gamble.

I found a series of recently expired 7% dell discount codes and thought I would go on the dell sales chat to ask if they could conjure up something special for me. Immediately I was offered a 4% discount on the £1149 machine (touchscreen with 256GB SSD), so I asked if he could increase to 7% and after a few seconds got that… so thought I would be cheeky as it was so easy to scrub 7% off the consumer price and asked for 10%. I was refused, but then I was just having a poke at Dells likelihood to discount.

A couple of days later I tried this again and was obviously identified by a cookie as the second sales person in India knew about the previous conversation and would not budge any further. I disconnected and got the obligatory phonecall with him chasing up, and rather rudely he suggested I not use the chat again if I was just prospecting for discounts.

This prompted me to answer the customer feedback link regarding the chat where I mentioned his attitude on the phone… a few hours later someone from the “VIP” team phoned me… I explained the situation and asked if he could offer 10% off he thought this was rather cheeky as the Dell website already knocked some £69 off for a weekend offer.. this was a Sunday and he said that after a discussion with the Finance department on Monday he would let me know.

Sure enough… he/ they agreed to the price and I bought the machine on the phone at £989.10 that same day. The machine arrived early and it is awesome.

Then today I find a link on the Dell homepage with XPS offers… I click on it and the version I purchased has been discounted with a lower “Original” price and now you can pick it up for just £957.50.. rather frustrating as I got mine for the supposed bargain double discounted price of £989.10. So after browsing around and seeing that Dell don’t bother to honour any kind of price guarantee I went back on to Dell sales chat.

Low and behold I find the guy who sold me the thing.. the “VIP” guy.. who after a little bit of chat asks if he can phone me, I say sure. He then on the phone recommends I don’t return the machine (my idle threat) and Dell do not offer refunds on the part price difference… I pursue the investigation on how to return this device so he transferred me to someone in India.

Within a minute or two this CSA asks if the only reason I want to return is is the price change, to which I honestly reply yes. I am immediately asked what the difference in price is, £31.60 I tell him, he directly offers to refund that amount – awesome customer service!.

Part way through the call where he is arranging the refund, the call cuts out… shit I think.. lost the chance… but as I gave my mobile to him shortly before the disconnect he does actually ring back.. twice.. to finalise the refund.

Dell sales are a bit of a tricky bunch, as with all sales people – but if you are a smart shopper you can get great deals from them it seems and after sales service too.

Crunch Accounting Review

I’ve been using Crunch Online Accounting for nearly a month now, so for the most part my review is a positive one. In this post I’ll outline my own experiences using Crunch Accounting and what I like and don’t like about the system. Bear in mind this is just one persons view, and that I know very little about accounting other than what I’ve learned muddling through running my own businesses!

Quick summary

If you don’t have time to read my whole review of Crunch, it can be summed up as:

  • Would you recommend Crunch? Absolutely (for small businesses / one man band Ltd companies with standard invoicing processes)
  • Why? Its a solid online accountancy system with great quick support
  • Is it perfect? So far yes, everything smooth from my demo to having them set everything up for me.
  • Click here for a free demo of Crunch

My full review

Regular readers of my blog will know I’ve only ever taken the time to review or comment on a products that I have grown to love and think other people would find indispensable, like 10 TB onedrive storage for £35 a year!, which I signed up to in a flash. Crunch is the same, I used them as my accountants from when I started freelance consulting in 2015.

The dashboard of Crunch Accounting

The dashboard of Crunch Accounting shows you upcoming events and deadlines, messages about overdue invoices and a summary of your company performance.

What is it?

Crunch Accounting is an online accounting software package which is sold as a service giving you an account manager and access to accountants. You use their online accounting system to raise and send invoices, record your expenses, pay yourself and log your tax returns. You also get a dedicated account manager who you’d contact if you have any questions about your accounts. For most complex requests the account managers will refer to one of the accountants.

Crunch will file VAT returns and corporation tax on your behalf and also prepare your annual return. For an additional fee they also complete my personal Self Assessment.

Who is it for?

Crunch is really designed around freelancers and small businesses who raise invoices (i.e. I don’t think you could use them if you ran a shop for example). You can run payroll for up to 10 members of staff, although realistically if your company is larger than this I think you’re probably better off with a traditional accountant and software like Sage. There’s more about who Crunch is and isn’t for on the website.

Price

Obviously this size company are pretty price sensitive (cheap!) so the price of Crunch’s online accounting service needs to reflect that. I pay £65 + VAT/ month for each company I have using Crunch so £780/ year if you’re VAT registered or £936/ year if you’re not registered for VAT or on Flat Rate. By comparison when I was shopping around the cheapest local accountants worked out to around £1,000/ year and most were quite a bit more expensive. Also to be honest I get the view of the accounting profession that there’s a vast spectrum of quality (a bit like SEO ;-) so if you’re paying a cheap accountant, there’s probably a reason he’s cheaper than the rest.

The little calculator below gives you an estimate of how much Crunch could save you if you switch from a traditional accountant.

Raising Invoices & Expenses

Invoices & Expenses are where you’re likely to spend most of your time in the Crunch system. The process here will probably be quite familiar to anyone who’s used other accounting software or online invoicing tools like FreshBooks. You setup your client profiles in the system then raise invoices against them as you complete work. Once issued you can either have the invoice emailed out automatically from the system or download it and send it yourself < I have one client who I still have to print the PDF invoice out for and send it in the post! Once your client pays you record the payment against that invoice. There’s a bunch of other features I won’t go into details of here like the option to automatically send reminder emails to clients when an invoice becomes overdue. I like this because I find those nagging emails chasing clients for payment painful to write, I’d much rather have the machines do it for me.

Crunch Online Accounting sales dashboard

Crunch’s sales dashboard gives you a snapshot of the status of your invoices

Expenses work in a similar way, you record details of everything you need to expense in the system. There’s not really a bulk editing feature of any sort here so if you have a lot of expenses that could be a pain, but again in those cases Crunch probably isn’t right for you. There is a recurring expense option for stuff you get billed the same amount for each month. One nice little feature of Crunch is its “Snap app” which is an iphone app which lets you take a photo of your receipts and have them turn up in your Crunch account under the expenses section a few days later. This is really handy if like me you have a load of expenses for things like train tickets and parking and usually forget to record them as expenses.

Crunch Accounting's Snap App for iphone

Crunch Accounting’s Snap App for iphone makes it easy to add expenses to Crunch

Bank reconciliation

Bank reconciliation is a way of ensuring the payments in and out you’ve recorded in Crunch match up to your bank account, so you don’t forget to record payments in the system. I’m not sure if this is an HMRC requirement or just a Crunch one to be honest but you have to do it before you can submit your annual returns. If you do it regularly its not a problem but if like me you leave it too long, reconciliation is a real pain in the arse! If like me you have loads of little payments going in and out of your accounts you tend to spend a lot of time trying to workout why that 50p came out your account 10 months ago. If you keep your payments and expenses up to date though it shouldn’t be a problem. The reconciliation feature of Crunch works well while its working but if you hit a payment which you can’t identify you can’t skip it and come back to it later so you have to go and track it down before you can move on.

Also worth noting, when I first started with Crunch the website would continually run into errors where you’d end up having to logout and log back in again and lose whatever you were working on. Thankfully the worst of those problems are a thing of the past and generally its pretty stable now but when I do still get crashes it tends to be during reconciliation.

Paying yourself

The pay yourself tab in Crunch is where you manage your basic salary, payroll and dividend payments

Crunch Accounting has a built in payroll feature which you can use to pay yourself and your staff salaries and issue payslips. Its nice to have all your payslips and dividends in one place. One thing I’d like to see developed in Crunch is a feature to help with your personal tax. Although Crunch will help with your self assessment for an additional fee, there’s nothing within the system at the moment for helping you manage your personal tax and keep track of your liabilities. What I’d like to be able to see is how much my personal tax liability is and how much money I need to keep stashed for my self-assessment, even if it was only an estimated figure.

Tax

VAT and Corporation Tax returns have to be the worst part about running a business, however small so I like that Crunch handles these returns with relatively little effort required on my part. They also send reminders when stuff is due to be paid so I don’t have to worry about calendar reminders.

Here’s a full list of everything which is included in the Crunch subscription.

The bad stuff

As I said at the top, I don’t want this review to read like a sales pitch for Crunch Accounting, I have had some issues and I think its only right to share some of these, such as;

  • When using the Crunch for my Self Assessment they didn’t include my student loan repayments which landed me with a wrist slap from HMRC. (Personal tax is a personal responsibility even if you’re using an accountant so I have to shoulder some blame here)
  • A problem with the VAT system meant we missed our first VAT return deadline, again leading to a nasty letter from our good friend the tax man.
  • The problems I noted above about the system crashing, although these are much, much better than they were when I first started with Crunch.

Re-active vs Pro-active accounting

What I think its important to realise with a system like Crunch is that what you’re not paying for is an accountant to pro-actively look at your accounts and check you’re doing the right/ best thing for your business. Although the accountants will prepare your annual returns and flag up issues, I think there’s a limit to what you can expect them to do when paying a relatively small amount for the service. To give an example of this one year I ended up taking a smaller dividend from my company than I could of, meaning I lost out a large amount of my tax free allowance for the year. This is my mistake and it cost me several thousand pounds. Part of me wonders if I was paying a pro-active accountant to look at my books they would have identified something like this and flagged it up. If you’re organised with your own money you probably won’t have any issues like this anyway, its just my own experience or lack there of.

My review – do I recommend Crunch Accounting?

Ultimately, yes I absolutely do recommend it. In fact I’ve introduced several friends who started up as freelancers to Crunch and they’re getting on well with it. I do think this is the way small business accounting will end up going. Accounting is definitely one industry which technology should be able to simplify and while you’ll always need professional advice, for most small companies with simple books it probably doesn’t make sense to pay an expensive retainer for an accountant to complete menial administrative tasks for you.

Whether its right for your business will come down to how complicated your accounts are and how much support you need. If you know what questions to ask and you’re happy to work things out for yourself, there’s no limit to the amount of support Crunch accountants will give you so you know you’ll never end up paying more than the fixed monthly fee. As you can tell from some of the issues I’ve had with my accounts I’m certainly no expert at this stuff but if you keep on top of your accounts I don’t think it has to be that complicated.

I hope this reviews helpful for anyone considering using Crunch for their accounting. Feel free to ask me any questions about my experiences with Crunch in the comments or on Twitter.

Get a free demo of Crunch here or signup for the demo using the form below and I’ll earn a referral fee for my hard work writing this review:-)

Unlimited Onedrive Storage

Yeh baby, cloud storage to the max from today!!, get a cheap office365 personal / home from ebay, then put your account email in a special place here https://preview.onedrive.com/ a couple of weeks later for the typical price of £35 / year you get 10 TB of cloud space :) you then need a huge upload data pipe!

 

Screenshot 2015-03-09 21.07.47

WordPress RPC update services list 2015

I thought it about time to renew the update services list across my network of blogs, got a recent list from a popular blog and weeded out the broken RPC urls, redirects, 404 responses etc for the most effecient broad range of current pingers as of the end of february 2015.

So here you go, my current list for you to make use of in your wordpress / web project sites:

http://www.blogstreet.com/xrbin/xmlrpc.cgi
http://bulkfeeds.net/rpc
http://ping.weblogalot.com/rpc.php
http://rpc.weblogs.com/RPC2
http://www.feedsubmitter.com
http://pingerati.net
http://rpc.pingomatic.com/
http://blogsearch.google.com/ping/RPC2
https://developer.twingly.com/resources/rpc-ping/
https://blogs.yandex.ru/
https://feedburner.google.com/fb/a/ping
http://rpc.weblogs.com/RPC2
http://ping.fc2.com/
http://rpc.bloggerei.de/
http://blogsearch.google.ae/ping/RPC2
http://blogsearch.google.at/ping/RPC2
http://blogsearch.google.be/ping/RPC2
http://blogsearch.google.bg/ping/RPC2
http://blogsearch.google.ca/ping/RPC2
http://blogsearch.google.ch/ping/RPC2
http://blogsearch.google.cl/ping/RPC2
http://blogsearch.google.co.cr/ping/RPC2
http://blogsearch.google.co.hu/ping/RPC2
http://blogsearch.google.co.id/ping/RPC2
http://blogsearch.google.co.il/ping/RPC2
http://blogsearch.google.co.jp/ping/RPC2
http://blogsearch.google.co.ma/ping/RPC2
http://blogsearch.google.co.nz/ping/RPC2
http://blogsearch.google.co.th/ping/RPC2
http://blogsearch.google.co.uk/ping/RPC2
http://blogsearch.google.co.ve/ping/RPC2
http://blogsearch.google.co.za/ping/RPC2
http://blogsearch.google.com.ar/ping/RPC2
http://blogsearch.google.com.au/ping/RPC2
http://blogsearch.google.com.br/ping/RPC2
http://blogsearch.google.com.co/ping/RPC2
http://blogsearch.google.com.do/ping/RPC2
http://blogsearch.google.com.mx/ping/RPC2
http://blogsearch.google.com.my/ping/RPC2
http://blogsearch.google.com.pe/ping/RPC2
http://blogsearch.google.com.sa/ping/RPC2
http://blogsearch.google.com.sg/ping/RPC2
http://blogsearch.google.com.tr/ping/RPC2
http://blogsearch.google.com.ua/ping/RPC2
http://blogsearch.google.com.uy/ping/RPC2
http://blogsearch.google.com.vn/ping/RPC2
http://blogsearch.google.com/ping/RPC2
http://blogsearch.google.de/ping/RPC2
http://blogsearch.google.es/ping/RPC2
http://blogsearch.google.fi/ping/RPC2
http://blogsearch.google.fr/ping/RPC2
http://blogsearch.google.gr/ping/RPC2
http://blogsearch.google.hr/ping/RPC2
http://blogsearch.google.ie/ping/RPC2
http://blogsearch.google.it/ping/RPC2
http://blogsearch.google.jp/ping/RPC2
http://blogsearch.google.lt/ping/RPC2
http://blogsearch.google.nl/ping/RPC2
http://blogsearch.google.pl/ping/RPC2
http://blogsearch.google.pt/ping/RPC2
http://blogsearch.google.ro/ping/RPC2
http://blogsearch.google.ru/ping/RPC2
http://blogsearch.google.se/ping/RPC2
http://blogsearch.google.sk/ping/RPC2
http://blogsearch.google.us/ping/RPC2
http://ping.rss.drecom.jp/
http://rpc.bloggerei.de/ping/
http://rpc.odiogo.com/ping/
http://rpc.weblogs.com/RPC2
http://blog.goo.ne.jp/XMLRPC
http://ping.amagle.com/
http://ping.bloggers.jp/rpc/
http://ping.weblogalot.com/rpc.php