Episode 3: Coping with Calamity. Trading is taking off - at last there's much needed cash sitting in your business bank account. But best call your accountant rather than assume that what you have earnt is all yours to keep and readily available. That's because you're going to have to keep aside a bare minimum of 20% to meet your tax bills. In another really useful episode, Ellie sets out some of the most common mistakes to be avoided with tax, VAT and other everyday but crucial financial matters. Mortgage and protection consultant David Fear from Roebuck joins Nigel and Ellie to set out how business owners or the self employed need to approach securing a home mortgage. David Fear also has a cautionary tale about why it's important to consider the consequences of unexpected events preventing you from continuing to make money as you expected.