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  1. Replies
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    He does now, so I'm merely asking him to remember...

    He does now, so I'm merely asking him to remember it from now on, since it's likely the situation will repeat if he changes umbrellas..

    Is English your first language?
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    I agree - somewhere around 55% is pretty much it....

    I agree - somewhere around 55% is pretty much it.

    And don't forget tax on salary each month is calculated by working out the tax owed on total earnings this tax year and deducting what's already...
  3. Can you not support yourself for a month of two...

    Can you not support yourself for a month of two while you look for other work?
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    Apart from the one that thought that since I had...

    Apart from the one that thought that since I had worked for Sun Microsystems I was an expert on Sun Accounts, my favourite was the one that told me I wasn't experienced enough to be a Transition...
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    FTC is not a contract, it's a permanent position...

    FTC is not a contract, it's a permanent position with a fixed duration. As for your own numbers, a contract is 47/52nds (on average) of a salaried role in terms of earnings, all else being equal -...
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    Which is a meaningless comment unless you provide...

    Which is a meaningless comment unless you provide the numbers...

    Not that I care anyway, we're trying to compare apples to elephants. the real answer is "Whatever you want it to be".
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    Garbage? Really? It's an approximation, but it...

    Garbage? Really?

    It's an approximation, but it is based on a detailed analysis of the true costs of employment vs contract rate. It is intended as a guide to a rate that will return the same net...
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    948

    If you can't do that on a £100k salary you maybe...

    If you can't do that on a £100k salary you maybe need to look at other factors.

    FWIW you will keep roughly 55%-60% net after taxes on a salaried position. You can't compare it to day rate without...
  9. Replies
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    Only if you use the right umbrella. More than a...

    Only if you use the right umbrella. More than a few only allow the statory minimum payment.

    And planning that you may want to bail out early as a decider is not actually a smart move all things...
  10. I used to use Outlook Calendar with the Meeting...

    I used to use Outlook Calendar with the Meeting Schedule option. That was OK until you hit some smart alec who had booked "Personal Time" on his calendar to create gaps between meetings...

    Not...
  11. Replies
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    Just thinking laterally for a mo, why not put a...

    Just thinking laterally for a mo, why not put a bunch of volunteers on the payroll on minimum wage and selectively up your fees to cover them - say to about minimum wage less £25...? :igmc:
  12. ... who got 4.5 million people financial support...

    ... who got 4.5 million people financial support they were being denied and who now have a very large hammer* to beat the Chancellor over the head with when the current crisis is over.

    But that...
  13. You could try this one...

    You could try this one...
  14. Replies
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    636

    I saw a post from her recently complaining that...

    I saw a post from her recently complaining that she can't get on some PSLs because she doesn't have enough contractors on her books - and can't get contractors on her books because Clarity is not on...
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    No.

    No.
  16. If the new client is not going to be paying your...

    If the new client is not going to be paying your current client then there's no losses involved. Ditto the agency, if your contract has been terminated. Just make sure the new client is aware of any...
  17. Replies
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    Or the terminally brain dead? Do you seriously...

    Or the terminally brain dead?

    Do you seriously think Corbyn - or more accurately McClusky and friends - would be able to cope with where we are now.? Now go back into your shell and let the grown...
  18. Replies
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    Well I would if you formed the hyperlink...

    Well I would if you formed the hyperlink properly.... :tongue

    But at some point you will have to connect to the health services, unless you're not really ill enough - i.e. you can still breathe...
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    It's really very easy. You don't treat the ones...

    It's really very easy. You don't treat the ones that will get better and the ones that are going to die anyway. Everybody else, you treat.

    Basic triage. It's how medicine works. It doesn't need to...
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    Police - Don't Stand too Closee to Me...

    Police - Don't Stand too Closee to Me...
  21. Replies
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    Not going to rehearsals, show's been cancelled......

    Not going to rehearsals, show's been cancelled...

    Not going volunteering with the National Trust, house has been closed

    Not watching the rugby, there isn't any.

    Not watching the Grand Prix...
  22. Replies
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    I think the good Doctor S needs to get out more. ...

    I think the good Doctor S needs to get out more. :happy

    Oh, hang on... :ohwell
  23. Replies
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    About £5 a month for the transaction level I...

    About £5 a month for the transaction level I need. Or a whole £60 a year. Offset by interest earned of course, of about fourpence. :ohwell

    Given HSBC has delivered a faultless service for the...
  24. Replies
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    HSBC only offer Open Banking to FA on the current...

    HSBC only offer Open Banking to FA on the current accout, the card and business savings account don't work. That means I have to spend minutes once a month downloading three statements and uploading...
  25. OK, but to be fair, as I understand the SDC...

    OK, but to be fair, as I understand the SDC criteria, you would be pushed to fail them and still be safely outside IR35. No matter, the OP has to ask his umbrella since he is bound by their rules.
  26. Clarity and ContractorUmbrella have sensible...

    Clarity and ContractorUmbrella have sensible schemes, AIUI. There may be others

    Or move your SIPP to somewhere more accommodating...
  27. You're getting confused with different things. ...

    You're getting confused with different things.

    As NLUK says, the IR35 rules have not changed. However if you are using an umbrella, IR35 doesn't matter, but SDC does.

    If you are subject to...
  28. Replies
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    That's not actually any kind of an answer......

    That's not actually any kind of an answer... Surprisingly.

    Or are you bitching about the Coronavirus restrictions?
  29. Replies
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    Really? The only ones I know of are the one about...

    Really? The only ones I know of are the one about not taking on a case with no reasonable chance of success - fair enough if you've been stupid and already wrecked your own defence - or not taking on...
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    The SoW replaces the schedule, not the contract....

    The SoW replaces the schedule, not the contract. So, for example, how you get paid is in the contract, why you should get paid - i.e. you'ce delivered these things, they meet these standards and have...
  31. "The Agency can't afford it"...???? I suppose...

    "The Agency can't afford it"...????

    I suppose if they have 5000 active contractors on their books at £50 a head to process the review to them, they would have to find £250k to cover the costs....
  32. Replies
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    I agree about the accountants, but IPSE's reach...

    I agree about the accountants, but IPSE's reach is far wider than IR35 these days, so they will survive. QDOS appear to be doing quite well out of the new regime as well...
  33. Replies
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    That was the hidden message in my original post...

    That was the hidden message in my original post on this thread! :smile
  34. Replies
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    £30k is the maximum redundnacy payment that is...

    £30k is the maximum redundnacy payment that is free of tax, after that it's taxed at your usual rate.

    The amount of redundncy pay is a percentage of salary over time, with a statutory minimum...
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    Fair enough. Best of luck!

    Fair enough. Best of luck!
  36. Replies
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    Which bit of the client though? Your "line...

    Which bit of the client though? Your "line manager", an executive, Human Remains, the legal team? There are sound business reasons for them using an agency as well as binding contracts that might...
  37. Replies
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    You can't do anything, you're not big enough. Or...

    You can't do anything, you're not big enough. Or pay off the agency and wipe out any benefit you were likely to be looking for.


    Ask your client to do it, since they have the leverage. That...
  38. Replies
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    Always remember that GoT's advice is based on a...

    Always remember that GoT's advice is based on a very narrow view of the world!
  39. To be fair the guidance defines what kinds of...

    To be fair the guidance defines what kinds of roles are covered by the need for live clearance at the start. Basically it is any where supervision of the worker cannot be provided, usually for...
  40. Replies
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    It depends rather. Do you expect to have to...

    It depends rather. Do you expect to have to challenge an IR35 determination, or respond to HMRC chasing you for back taxes on the basis that you previous outside contract is now inside? How do you...
  41. Yes, youre right. It may be transferred for up to...

    Yes, youre right. It may be transferred for up to a year. I emphasise "may"!
  42. Replies
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    Having said that I know of one company that just...

    Having said that I know of one company that just closed down because its main client (of several) decided not to deal with PSCs/SMEs/Not-IBM any more, and put seven people out of work. Don't confuse...
  43. Thread: ITCA vs IPSE

    by malvolio
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    Yes, but they're not the first to point that out....

    Yes, but they're not the first to point that out. I recall several conversations about that over the last four years or so; in fact I was one of those making the same point in 2006.

    But (a) HMG...
  44. You are not inside IR35 by default just by using...

    You are not inside IR35 by default just by using an umbrella. I know several genuinely outside people using them.

    You are, however, opted in to the Agency Regs by default (to be precise you can...
  45. Thread: ITCA vs IPSE

    by malvolio
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    The problem the new guys will face is the one...

    The problem the new guys will face is the one that defeated PCG as was and why they are now IPSE. Talk to HMG about IR35 and while the MPs may listen, the people who make the decisions are bored of...
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    If you want a clear, simple explanation of the...

    If you want a clear, simple explanation of the whole thing, then the IPSE guide here is worth passing on.
  47. To be fair, they are unlikely to say anything...

    To be fair, they are unlikely to say anything that implies their product isn't worth having...

    If you consider that a fairly small fee is covering a risk of a few tens of thousands, they are...
  48. You won't get testimonies if nobody has ever...

    You won't get testimonies if nobody has ever claimed against the policy...

    Given the win/loss ratio in IR35 cases, basic cover for tax investigation costs, either as an IR35 policy, a wider tax...
  49. Oh do grow up, you sillly little man. It's...

    Oh do grow up, you sillly little man. It's happened, we all knew there would be problems, deal with it.

    And learn the meaning of the word "may" - especially in the context of an organisation that...
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    Very true. Personally I think the second letter...

    Very true. Personally I think the second letter "l" in his name is redundant... :wink
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