Sanato Tijarat Resources

Useful Resources

Useful Tips for Working at Home

Learning Area

Have a dedicated learning/workspace, even if it is a multiuse space. It’s important that you know and become familiar with a dedicated learning/workspace.

Structure

Create a mindset that acknowledges that this is not an extended holiday but a formal learning process. To help achieve this, you should provide clear structure, such as a timetable or daily goals. It can be useful to roughly mimic your normal schedule. However, don’t forget to take breaks and even reward yourself when you reach a milestone (i.e. I’ll speak to a friend for 10 minutes).

Set Realistic Goals and Deadlines

It’s important to challenge yourself, but counterproductive if you set unrealistic objectives. Setting goals that you can reasonably achieve will enable you to be more effective across the bredth of your studies / work over a long period of time.

Limit Distractions

Remove or disable any distractions that are present in the learning space. For example, put devices away and unplug your television if in the same space. If you have children or siblings, agree clear boundaries with them about work time vs. family time.

Software

If you are being provided with online classes or use different platforms for virtual meetings, ensure that you have the correct software in advance. This will avoid the frustration of being all set to begin your work, only to spend half an hour downloading and installing the correct software.

Superwoman/Superman Syndrome

Don’t fall into the trap of thinking that every aspect of your home can be perfect at all times. You, your children and your spouse will be occupying the same space all day, every day, for months. So, don’t be disheartened by the fact that the new arrangement will impact your homes normal regime.

Robot Syndrome

You are not a robot! We all have slow days, exceptional days and most often land somewhere in the middle. If your workplan is not working or the atmosphere is becoming too frustrating, don’t be afraid to park the subject for another day or to take a break.

Keeping mentally active during self isolation

Here is a list of some great Apps and books, to keep you mentally active and sharp in case of being put into isolation or quarantine.

Books to read

During these uncertain times where everyone is housebound, it is a great opportunity to keep your mind active and keep learning. Therefore reading some books is a great way to pass the time and learn. If you are not keen on reading then audible is a great option for some free audiobooks, which receive on sign up. YouTube is also a great place for some free audiobooks.

Here are a list of books, which help motivate, educate, inspire and keep the brain active.

  1. 7 Habits of highly effective people – Stephen Covey
  2. How to win friends and influence people – Dale Carnegie
  3. The Compound Effect – Darren Hardy
  4. 4 Hour workweek – Tim Ferriss
  5. Extreme Ownership – Jocko Willink
  6. Go for no – Richard Fenton, Andrea Waltz
  7. Curious – Ian Leslie
  8. Thinking, Fast and Slow – Daniel Kahneman
  9. Awaken the Giant within – Anthony Robbins
  10. The Power of Habit – Charles Duhigg

All of these books are available on audible and YouTube. They can be purchased from amazon.

Write a Diary/Vlog

To keep your mind engaged and active it would be a great opportunity to write a diary or create a vlog and post it on relevant social media channels. This is a great way to be creative and give people advice on how to deal with boredom, your personal experience as well as provide motivation and insight on how other people are dealing with this pandemic. There are some free video editing tools if you want to vlog.

Both of these are free and available on both iOS and android and make it super simple to vlog and edit your videos and post them to social media.

Apps you can use

Mental Health

It is absolutely essential that Khuddam keep their mental health in check if they have to isolate themselves. Being in isolation can cause some people to experience mental health issues, therefore some great apps have been identified that Khuddam should get to help them improve and keep their mental health in check.

Grokker

Grokker works with companies to offer yoga, fitness, and meditation classes to employees for a fee. However, in response to the COVID-19 crisis, it’s currently offering free memberships for businesses and individuals. You can watch Grokker’s videos at your own pace, or choose a goal-based course. Programs include better sleep, mobility, and meditation.

Lumosity

Playing Candy Crush is a good way to relax, but it can also feel mindless. If you like a little bit of gaming escapism, consider swapping in some time with Lumosity. The games are fun but also train your brain and are designed to help with focus, cognition, and more. If you’re worried about getting brain fog sitting at home all day, this can be a way to stay sharp without feeling like you’re solving math problems again.

Headspace

If you think meditation isn’t for you, you haven't tried Headspace. Its library of guided meditations include mindfulness exercises for running, cooking, and work. Courses focused on topics like basics (for true beginners) or anxiety take you on a 10-day journey. Headspace tracks how many days you’ve used the app, as well as how many total minutes you’ve meditated. There’s also a sleep section with nighttime meditations as well as “sleepcasts” (relaxing stories) for helping you fall asleep, and a “move” section for stretching and exercise. Headspace offers a 14-day free trial, then a monthly or yearly subscription model. They are also offering up free meditations specifically around stress in response to COVID-19.

Peak

Peak is the self-professed number 1 brain training app! It’s designed to both challenge and improve a variety of your cognitive skills in short, but intense, bursts which you can fit in around your busy day. Currently boasting over 40 games in total, Peak’s edge is that these games were in fact designed by neuroscience experts. Peak has a scientific advisory board complete with a few notable names, which continuously collaborates on the design and content of their games. Peak’s varied games are designed to test you on:

  • Memory
  • Attention
  • Problem solving
  • Mental agility
  • Language
  • Coordination
  • Creativity
  • Emotional control
Available for free on Android & iOS.

Fitness

Daily Burn

Daily Burn is currently offering everyone a 60-day free trial in light of the COVID-19 outbreak, with an extensive library of workouts to get you moving no matter your fitness level or at-home gym setup. Sort by time, equipment, or style of workout. If you’d rather skip the video, audio-only workouts give you guided runs, strength routines, and more. Daily Burn also typically adds new content every day, though it is temporarily suspending live classes. That still gives you more than 700 classes to start with.

Cooking

Yummly

If you’ve got a well-stocked pantry, or just want to go as long as possible between grocery store trips, Yummly provides both meal planning help and inspiration. Plan out meals and search recipes with ingredients you already have on hand. You can also sort recipes by time, dietary restrictions, and more. Yummly will also organize your grocery list for you.

Useful Links

Oak National Academy

Has your business been affected by Coronavirus?

The spread of COVID-19, commonly referred to as the coronavirus, is an unusual circumstance with ongoing ramifications for businesses, individuals and society on every level. Many businesses are facing challenging times.

  • Are you a small business?
  • Has Covid-19 caused you significant financial challenges?
If you answered yes to both above questions, MKA Sanat o Tijarat would like to hear from you.
Please get in touch with us at: sot@khuddam.co.uk
We look forward to hearing from you!

What help is available from the government during the COVID-19 pandemic

Many of us will be facing some hardships owing to the current situation with the Coronavirus pandemic. Below is some useful guidance and links to the support that the Government has outlined for the population.

  • The chancellor has announced that the Government is setting up a job retention scheme and employers can get a grant to cover 80% of wages up to a maximum of £2500 a month. This will be backdated from 1st March and will initially last for 3 months. To be setup by end of April
  • Business interruption loan scheme is a government backed loan scheme where affected businesses can apply for loans which will be interest free for 12 months. This is going live on Monday 23rd March.
  • Businesses will be able to defer VAT payments due for this July to the end of the financial year.
  • For self employed people the next self-assessment payment will be deferred to January 2021, they will also get full Universal Credit at a rate equivalent to statutory sick pay.
  • For those off work due to self-isolation, statutory sick pay is now available from the 1st day off from work.
  • A further £7 Billion to be injected to those relying on welfare support (through Universal Credit).

For more information and the application process please follow this link https://www.gov.uk/coronavirus Above is very useful guidance outlined by the government but the main help which we derive is through prayer. Hazoor (aba) mentioned in his Friday Sermon on Friday 20th March… “The ultimate tool we have at our disposal is that of prayer. We should all pray for the entire world that Allah the Almighty may save mankind from the harmful effects of this virus. Furthermore, may Allah grant health to all Ahmadi Muslims alongside the ability to become stronger in faith” With the passing of his father, the Promised Messiah (as) was faced with some financial challenges. It was at that point that Allah the Almighty revealed to him the Blessed ilham: “Is not Allah sufficient for his servant?”. In these difficult times we must remember that we are Blessed with the guidance of our beloved Hazoor (aba) and listening and obeying him, for the sake of Allah, will help to shield us from potential hardships. Indeed, Allah is all we need and His pleasure is truly our ultimate objective.

COVID-19: support for businesses

Updated 20 March 2020 The Chancellor has set out a package of temporary, timely and targeted measures to support public services, people and businesses through this period of disruption caused by COVID-19. This includes a package of measures to support businesses including:

  • a Coronavirus Job Retention Scheme
  • deferring VAT and Income Tax payments
  • a Statutory Sick Pay relief package for SMEs
  • a 12-month business rates holiday for all retail, hospitality and leisure businesses in England
  • small business grant funding of £10,000 for all business in receipt of small business rate relief or rural rate relief
  • grant funding of £25,000 for retail, hospitality and leisure businesses with property with a rateable value between £15,000 and £51,000
  • the Coronavirus Business Interruption Loan Scheme offering loans of up to £5 million for SMEs through the British Business Bank
  • a new lending facility from the Bank of England to help support liquidity among larger firms, helping them bridge coronavirus disruption to their cash flows through loans
  • the HMRC Time To Pay Scheme

Support for businesses through the Coronavirus Job Retention Scheme

Under the Coronavirus Job Retention Scheme, all UK employers will be able to access support to continue paying part of their employees’ salary for those employees that would otherwise have been laid off during this crisis.

Eligibility

All UK businesses are eligible

How to access the scheme

You will need to:

  • designate affected employees as ‘furloughed workers,’ and notify your employees of this change - changing the status of employees remains subject to existing employment law and, depending on the employment contract, may be subject to negotiation
  • submit information to HMRC about the employees that have been furloughed and their earnings through a new online portal (HMRC will set out further details on the information required)
HMRC will reimburse 80% of furloughed workers wage costs, up to a cap of £2,500 per month. HMRC are working urgently to set up a system for reimbursement. Existing systems are not set up to facilitate payments to employers. If your business needs short term cash flow support, you may be eligible for a Coronavirus Business Interruption Loan.

Support for businesses through deferring VAT and Income Tax payments

We will support businesses by deferring Valued Added Tax (VAT) payments for 3 months. If you’re self-employed, Income Tax payments due in July 2020 under the Self-Assessment system will be deferred to January 2021.

VAT

For VAT, the deferral will apply from 20 March 2020 until 30 June 2020.

Eligibility

All UK businesses are eligible.

How to access the scheme

This is an automatic offer with no applications required. Businesses will not need to make a VAT payment during this period. Taxpayers will be given until the end of the 2020 to 2021 tax year to pay any liabilities that have accumulated during the deferral period. VAT refunds and reclaims will be paid by the government as normal.

Income Tax

For Income Tax Self-Assessment, payments due on the 31 July 2020 will be deferred until the 31 January 2021.

Eligibility

If you are self-employed you are eligible.

How to access the scheme

This is an automatic offer with no applications required. No penalties or interest for late payment will be charged in the deferral period. HMRC have also scaled up their Time to Pay offer to all firms and individuals who are in temporary financial distress as a result of Covid-19 and have outstanding tax liabilities.

Support for businesses who are paying sick pay to employees

We will bring forward legislation to allow small-and medium-sized businesses and employers to reclaim Statutory Sick Pay (SSP) paid for sickness absence due to COVID-19. The eligibility criteria for the scheme will be as follows:

  • this refund will cover up to 2 weeks’ SSP per eligible employee who has been off work because of COVID-19
  • employers with fewer than 250 employees will be eligible - the size of an employer will be determined by the number of people they employed as of 28 February 2020
  • employers will be able to reclaim expenditure for any employee who has claimed SSP (according to the new eligibility criteria) as a result of COVID-19
  • employers should maintain records of staff absences and payments of SSP, but employees will not need to provide a GP fit note. If evidence is required by an employer, those with symptoms of coronavirus can get an isolation note from NHS 111 online and those who live with someone that has symptoms can get a note from the NHS website
  • eligible period for the scheme will commence the day after the regulations on the extension of SSP to those staying at home comes into force
  • the government will work with employers over the coming months to set up the repayment mechanism for employers as soon as possible
Eligibility

You are eligible for the scheme if:

  • your business is UK based
  • your business is a small or medium-sized and employs fewer than 250 employees as of 28 February 2020
How to access the scheme

A rebate scheme is being developed. Further details will be provided in due course once the legislation has passed.

Support for businesses that pay business rates

Business rates holiday for retail, hospitality and leisure businesses

We will introduce a business rates holiday for retail, hospitality and leisure businesses in England for the 2020 to 2021 tax year. Businesses that received the retail discount in the 2019 to 2020 tax year will be rebilled by their local authority as soon as possible.

Eligibility

You are eligible for the business rates holiday if:

  • your business is based in England
  • your business is in the retail, hospitality and/or leisure sector

Properties that will benefit from the relief will be occupied hereditaments that are wholly or mainly being used:

  • as shops, restaurants, cafes, drinking establishments, cinemas and live music venues
  • for assembly and leisure
  • as hotels, guest & boarding premises and self-catering accommodation
How to access the scheme

There is no action for you. This will apply to your next council tax bill in April 2020. However, local authorities may have to reissue your bill automatically to exclude the business rate charge. They will do this as soon as possible. You can estimate the business rate charge you will no longer have to pay this year using the business rates calculator. Further guidance for local authorities is available in the expanded retail discount guidance.

Cash grants for retail, hospitality and leisure businesses

The Retail and Hospitality Grant Scheme provides businesses in the retail, hospitality and leisure sectors with a cash grant of up to £25,000 per property. For businesses in these sectors with a rateable value of under £15,000, they will receive a grant of £10,000. For businesses in these sectors with a rateable value of between £15,001 and £51,000, they will receive a grant of £25,000.

Eligibility

You are eligible for the grant if:

  • your business is based in England
  • your business is in the retail, hospitality and/or leisure sector
Properties that will benefit from the relief will be occupied hereditaments that are wholly or mainly being used:
  • as shops, restaurants, cafes, drinking establishments, cinemas and live music venues
  • for assembly and leisure
  • as hotels, guest and boarding premises and self-catering accommodation

How to access the scheme

You do not need to do anything. Your local authority will write to you if you are eligible for this grant. Guidance for local authorities on the scheme will be provided shortly. Any enquiries on eligibility for, or provision of, the reliefs and grants should be directed to the relevant local authority. Find your local authority.

Support for businesses that pay little or no business rates

The government will provide additional Small Business Grant Scheme funding for local authorities to support small businesses that already pay little or no business rates because of small business rate relief (SBBR), rural rate relief (RRR) and tapered relief. This will provide a one-off grant of £10,000 to eligible businesses to help meet their ongoing business costs.

Eligibility

You are eligible if:

  • your business is based in England
  • you are a small business and already receive SBBR and/or RRR
  • you are a business that occupies property
How to access the scheme

You do not need to do anything. Your local authority will write to you if you are eligible for this grant. Guidance for local authorities on the scheme will be provided shortly. Any enquiries on eligibility for, or provision of, the reliefs and grants should be directed to the relevant local authority. Find your local authority.

Support for businesses through the Coronavirus Business Interruption Loan Scheme

A new temporary Coronavirus Business Interruption Loan Scheme, delivered by the British Business Bank, will launch early next week to support primarily small and medium-sized businesses to access bank lending and overdrafts. The government will provide lenders with a guarantee of 80% on each loan (subject to a per-lender cap on claims) to give lenders further confidence in continuing to provide finance to SMEs. The government will not charge businesses or banks for this guarantee, and the Scheme will support loans of up to £5 million in value. Businesses can access the first 12 months of that finance interest free, as the government will cover the first 12 months of interest payments.

Eligibility

You are eligible for the scheme if:

  • your business is UK based, with turnover of no more than £45 million per year
  • your business meets the other British Business Bank eligibility criteria

How to access the scheme

The full rules of the Scheme and the list of accredited lenders is available on the British Business Bank website. All the major banks will offer the Scheme once it has launched. There are 40 accredited providers in all. You should talk to your bank or finance provider (not the British Business Bank) as soon as possible and discuss your business plan with them. This will help your finance provider to act quickly once the Scheme has launched. If you have an existing loan with monthly repayments you may want to ask for a repayment holiday to help with cash flow. The scheme will be available from early next week commencing 23 March.

Support for businesses paying tax: Time to Pay service

All businesses and self-employed people in financial distress, and with outstanding tax liabilities, may be eligible to receive support with their tax affairs through HMRC’s Time To Pay service. These arrangements are agreed on a case-by-case basis and are tailored to individual circumstances and liabilities.

Eligibility

You are eligible if your business:

  • pays tax to the UK government
  • has outstanding tax liabilities
How to access the scheme

If you have missed a tax payment or you might miss your next payment due to COVID-19, please call HMRC’s dedicated helpline: 0800 0159 559. If you’re worried about a future payment, please call us nearer the time.

Courses Khuddam can take over this period

During this time of uncertainty is the perfect time for khuddam to upskill and work on developing themselves further. Please find some resources for free courses:
https://www.udemy.com/
https://yofreesamples.com/courses/free-discounted-udemy-courses-list/

Prayer times

FROM Tuesday, April 28, 2020.
  • 04 : 29 Fajr
  • 14 : 00 Zuhr
  • 17 : 15 Asr
  • 20 : 31 Maghrib
  • 21 : 30 Isha