The Business Consortium Ltd

10/10/2026

A life on the doors. The nights, the violence, the drugs and what came afterwards. Read the book...

10/10/2026

One careless moment can change a life forever. Sometimes, it can change far more than one.

In Trampled, ordinary decisions behind the wheel lead to extraordinary consequences as the lives of drivers, victims, families, and animals become unexpectedly intertwined. For some, recognizing the harm they caused becomes the first step toward change. For others, refusing to accept responsibility brings consequences they never could have imagined.

At the center of the story is Jennifer, a young woman facing enormous changes in her own life while trying to preserve what her family left behind and build something meaningful for the future. Her ranch becomes more than a home—it becomes a place of healing, second chances, unexpected connections, and new beginnings.

But not every story ends the same way.

As past actions continue to follow those responsible for them, each person must decide whether to keep moving through life unchanged or finally confront the choices that brought them here.

Trampled is a story about consequences, responsibility, loss, compassion, redemption, and the seemingly small choices that can alter another person’s life forever.

And hidden within the story are messages for the reader to discover.

How many will you find?

https://www.amazon.com/dp/B0HKBYH15F?ref=cm_sw_r_ffobk_cso_cp_apin_dp_DBXQSEMD3YK29XBZFZP6&ref_=cm_sw_r_ffobk_cso_cp_apin_dp_DBXQSEMD3YK29XBZFZP6&social_share=cm_sw_r_ffobk_cso_cp_apin_dp_DBXQSEMD3YK29XBZFZP6&bestFormat=true&fbclid=IwY2xjawU3iJxleHRuA2FlbQIxMABwZG9mBWJyaWQRMUs5NGVFZmxvVnNiWTIxT29zcnRjBmFwcF9pZBAyMjIwMzkxNzg4MjAwODkyAAEeTeRU1Rwz8zSas1esH3_Y5WPaO7KSHtNQtfrINL1-kD896YGrrH1X67X2LhY_aem_GHkqih_ya3wGlbot6YnD9Q

Trampled

09/10/2026

“I expected to expose the limits of the technology. Instead, I built software.”

That's from the prelude to 3 Days Awake.

I went into the experiment with nearly 30 years of business systems experience and no coding experience. I had no idea how much it was going to change my day-to-day life.

You can find the book here:

Three Days Awake: My Journey From Casual AI User To Software Developer

08/10/2026

Sneaky peak at my book...

https://read.amazon.co.uk/sample/B0HLMR7S91?clientId=share

I'm not expecting people to buy it, it's not a 'get rich scheme', honestly, keep your doe; I was just overwhelmed one night with the need to wirte...so I did, for 3 days and nights, none stop, hence the title, Three Days Awake. I crashed out for about 5hrs, then got up and carried on. In total, it took me 6 days and nights to write it...then another 3 days and nights to edit it into something that resembled a book.

If you have had a copy from me don't forget to leave me a review at this link please:

https://www.amazon.co.uk/dp/B0HLMR7S91...

Just scroll down a bit til you see
'Review this product
Share your thoughts with other customers'

Adam Manley

02/10/2026

01/10/2026

PAYROLL UNPACKED – WEEK 5

WHERE DID MY PENSION CONTRIBUTION ACTUALLY GO?

A pension deduction on your payslip does not always tell you the full amount being paid into your pension.

That is because workplace pension contributions can be calculated in different ways, and the method used to give you tax relief changes what you actually see on your payslip.

For this week’s example, I’ve used a monthly salary of £3,000 and an automatic-enrolment pension based on qualifying earnings.

For 2026/27, the monthly qualifying earnings band runs from £520 to £4,189. So on monthly pay of £3,000, the pension calculation in this example is based on:

£3,000 - £520 = £2,480

The statutory minimum contribution requirement is at least 8% overall, with at least 3% coming from the employer. The Pensions Regulator

In the example shown, the scheme uses relief at source.

A 5% gross employee contribution on £2,480 is £124.

But that does not mean £124 is deducted from the employee’s pay.

Under relief at source, the employee pays £99.20 through payroll and the pension provider claims £24.80 basic-rate tax relief from HMRC.

The employer then contributes £74.40, based on 3% of the same qualifying earnings.

So the figures are:

Employee deduction from pay: £99.20

Tax relief added by pension provider: £24.80

Employer contribution: £74.40

Total into the pension pot: £198.40

That is why somebody can look at their payslip, see a £99.20 pension deduction, and assume something is missing when in fact considerably more is being invested.

Under relief at source, the employee contribution is deducted after PAYE has been calculated and the pension provider claims the basic-rate tax relief separately. GOV.UK

A net pay arrangement works differently.
With net pay, the full employee pension contribution is deducted from gross pay before PAYE Income Tax is calculated.

Using the same example, £124 would normally be deducted through payroll and taxable pay would be reduced accordingly. The pension provider does not then add another basic-rate tax-relief amount because the tax relief has already been given through payroll. GOV.UK

National Insurance is different again.
Ordinary employee pension contributions do not reduce NIable pay simply because the scheme uses net pay. NICs are normally calculated on gross earnings before those pension deductions. Salary sacrifice is a separate arrangement and works differently. GOV.UK

There is one other important point.

Not every workplace pension uses qualifying earnings.

Some schemes use basic pay, some use pensionable pay defined in the scheme rules, and some employers contribute above the statutory minimum. So you cannot simply look at somebody’s salary, multiply it by 5%, and assume that is what should appear on their payslip. The scheme rules matter. The Pensions Regulator

That is the real message from this week’s Payroll Unpacked:

Your pension deduction is only one part of the calculation.

If you want to understand what is actually going into your pension, you need to know:
the earnings basis being used,
the employee contribution rate,
the employer contribution rate, and
whether the scheme operates relief at source or net pay.

Next week:

Holiday Pay: Why Your Basic Hourly Rate Isn’t Always the Whole Calculation.
Sources: GOV.UK, HMRC and The Pensions Regulator.

30/09/2026

Buzzin from a review on my recently finished memoirs book

28/09/2026

Just uploaded my life story onto Amazon.co.uk...pending approval, I am now a published Author as well as an entrepreneur and a software company owner...Kindle version being uploaded as we speak 🫵👍

24/09/2026

Week 4 - PAYE & NI

PAYE and National Insurance sit next to each other on your payslip, but they are not the same calculation.

PAYE is based on taxable pay, your tax code and the basis that code is being operated on. On a cumulative code, previous pay and tax in the tax year can also affect the result.

National Insurance works differently.
For most employees it is based on NI-able earnings for that pay period, the NI category letter and the relevant thresholds.

For 2026/27, a standard Category A monthly-paid employee pays 0% up to £1,048, 8% between £1,048.01 and £4,189, and 2% above that.

So 2 people on the same salary can have different PAYE because their tax codes or tax history differ.

Their NI can also differ if their NI categories are different.

Example: £3,000 monthly pay.
£3,000 - £1,048 = £1,952
£1,952 × 8% = £156.16 employee NI

But you cannot calculate the PAYE properly from the £3,000 salary alone because the tax code and tax basis matter too.

That’s the key point:

Same payslip.
Same pay period.
2 separate calculations.

If your tax changes, it does not automatically mean your NI should change by the same amount, and vice versa.

Next week: where did my pension contribution actually go?

Source: HMRC / GOV.UK, 2026/27 PAYE and Class 1 National Insurance rules.