But even if you are not one of the people who are affected by all the change sweeping through the economy, if you keep doing things as you are, chances are you will fall behind coworkers who show more initiative, creativity and entrepreneurial spirit.

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If you are doing business as a proprietor, there is no requirement that you open a separate bank account for the business.

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For example, if you are an e-commerce company doing online transactions and storing data such as credit card information, you are considered high risk for data breach and thus subject to higher premiums.

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"London is doing well as a city and I think if you are going to compete with the leading cities and leading financial centres of the world you need good communication links, " he said.

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Being invisible does not mean you are not doing your job, if you consider, as the embassy does, that the projection of America's foreign policy to the British people is not part of it.

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"Our software detects when people are doing what we refer to as 'keyword bombing' so, if you put skills all together, " added Brian.

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If you are looking for a CPA or want to find a new one as I plan on doing, start by asking around to get a referral from friends and colleagues who seem to be in a similar situation as you.

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