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  1. Replies
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    My rate is 5-600 per day. I'd bite someone's...

    My rate is 5-600 per day.

    I'd bite someone's nadgers off for £80k PAYE.

    The rate you are considering is an effective paycut once all factors taken into consideration.
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    They don't. The Financial Ombudsman Service is a...

    They don't. The Financial Ombudsman Service is a fantastic service, and is a free, impartial adjudicator that we are lucky to have.

    Their reviews will inevitably be skewed as only those receiving...
  3. Thread: IR35 Baby

    by fiisch
    Replies
    5
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    995

    Thank you both. Does sound as if she'd be...

    Thank you both.

    Does sound as if she'd be better off starting new job regardless and claiming statutory maternity allowance - nothing to pay from ltd. company, and £139/week for 9 months -...
  4. Thread: IR35 Baby

    by fiisch
    Replies
    5
    Views
    995

    IR35 Baby

    What are the rules around maternity pay for spouses who receive an income/dividends through a limited company? I do not want to ask my accountant at this stage for obvious reasons...

    My wife...
  5. Thread: The end

    by fiisch
    Replies
    54
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    18,763

    Youngsters have it hard these days, but...

    Youngsters have it hard these days, but presumably income support will boost him to an acceptable living wage...?
  6. Replies
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    40,051

    Unlikely to go under when they're getting Money...

    Unlikely to go under when they're getting Money For Nothing.
  7. Replies
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    2,446

    Thank you for the replies all - that's helpful. ...

    Thank you for the replies all - that's helpful.

    It's not a vast, vast difference in take-home, especially when consider the confusing IR35 burden is lifted, but I think it's enough to tip the...
  8. £18/month for use of a home office. +1 for an...

    £18/month for use of a home office.

    +1 for an accountant will be best to guide you on this, and definitely worth their monthly fee.
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    Afraid this is lost on me...!

    Afraid this is lost on me...!
  10. Replies
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    2,446

    IR35 - Tell Me What to Do!

    OK, slightly facetious title, but I've eyeballed a lot of threads recently all with the variation of the theme Option 1 - Perm role; Option 2 - Contract Role, an I've come to the conclusion that I...
  11. Thread: Boom! (I think)

    by fiisch
    Replies
    3
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    288

    Boom! (I think)

    Just had another 6 month renewal offered at current client. Contract was reviewed in May and deemed outside of IR35 (working practices would seem to be aligned in my opinion). Offer of renewal came...
  12. No - London number (020 3) - and it came across...

    No - London number (020 3) - and it came across well polished... not your usual blagger.
  13. You've probably already made up your mind, and...

    You've probably already made up your mind, and ultimately it's your call, but I'll share my experience as similar position to you:


    September 2018 - almost aged 32, left £60k perm job on my...
  14. Note to self: search forums before posting. In...

    Note to self: search forums before posting.

    In summary: annuity is a bad idea for contractors. Don't do it.
  15. Taking an Annuity rather than Dividends - Scam/Loan Charge mk2?

    A London number has been persistently phoning me for the last month and leaving messages from "Contractor Team UK".

    Answered the call today, and it was essentially a bit of a sales pitch for...
  16. Thread: Warchests

    by fiisch
    Replies
    41
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    6,146

    I think that's industry/location dependent. I'm...

    I think that's industry/location dependent. I'm a BA and seek a minimum of £500/day, and I'm not especially experienced/brilliant, but work in London in FS. I'm probably at the lower end of the...
  17. It's not a problem - I'm a PCP fiend and have...

    It's not a problem - I'm a PCP fiend and have financed some overpriced metal over the years, and never been any issues with acceptance, even when I've probably stretched myself to the limit (I've...
  18. £80k, and decent benefits package, and plenty of...

    £80k, and decent benefits package, and plenty of flexibility or based outside of London.

    Currently on £500 p/d, and happy doing what I'm doing, but I'm not wedded to being a contractor - if the...
  19. Thread: Casplus Chaos

    by fiisch
    Replies
    0
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    324

    Casplus Chaos

    Cashplus in absolute chaos at the moment: Challenger bank Cashplus hit with tech difficulties as customers locked out of accounts

    For anyone looking for a business banking provider, I would urge...
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    Interview them, just like you would a potential...

    Interview them, just like you would a potential employee... What matters to you most?

    When I first went contracting (by accident), I panicked and went with the recruiter's recommendation...
  21. What happens if current gig is not within cycling...

    What happens if current gig is not within cycling distance, but core part of my limited company's strategy is to find a gig circa 15 miles from home, which I might attempt to cycle if conditions are...
  22. I had the same dilemma in reverse at a similar...

    I had the same dilemma in reverse at a similar time of life.... Was in a cushy local perm role, but wanted to relocate and buy a bigger property to be in a nicer area, better schools etc. for my...
  23. Replies
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    9,185

    Strange, as mine are guessed correctly, unless...

    Strange, as mine are guessed correctly, unless I've never used the vendor previously....
  24. Replies
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    1,688

    Halifax love contractors. 48 * 5 * current daily...

    Halifax love contractors. 48 * 5 * current daily rate to work out the salary they will take into account for a contractor (yes, it's generous). The only proviso is you need at least a month...
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    2,740

    Leave. At the earliest opportunity. My last...

    Leave. At the earliest opportunity.

    My last contract made me realise money isn't everything. I was in the same boat - no work, good money, although job was City-based. I was absolutely...
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    Insurable interest is going to be an issue here,...

    Insurable interest is going to be an issue here, in that you have none. If the client's equipment gets damaged, it's the client, not you that suffers the immediate financial loss, so I think this...
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    Is being a BA an exact science? It seems to me...

    Is being a BA an exact science? It seems to me from 7 years BA'ing that different companies just make up what they expect from the role on the spot....

    Personally I'd suck it up and keep...
  28. The money.

    The money.
  29. Cancel your plans and honour the contract you've...

    Cancel your plans and honour the contract you've committed to.

    You need to stop thinking like a permie - contractors don't get "holiday". Has 23k+ posts on these pages taught you nothing?!
  30. Replies
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    I was going to write a post about Imposter...

    I was going to write a post about Imposter Syndrome last night, but talked myself out of it...

    Very much feel the same - been a BA for 6 years, contractor for 3 (with a break in between), and very...
  31. Thread: Car Buying

    by fiisch
    Replies
    47
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    1,933

    Before they get too excited, I drive a Civic Type...

    Before they get too excited, I drive a Civic Type R, so I'm probably not the most reliable source on taste.... :laugh
  32. Thread: Car Buying

    by fiisch
    Replies
    47
    Views
    1,933

    In that class, Mercedes GLS has the most presence...

    In that class, Mercedes GLS has the most presence for me... The AMG63 is ludicrous, although running costs will make your eyes water.

    That said, if it were me, unless you really need an SUV, I'd...
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    I also had massive problems with Cashplus - still...

    I also had massive problems with Cashplus - still £6k out of pocket more than a year on, and in the second round of review with the Ombudsman. Horrific experience.

    I went to Starling a few months...
  34. Replies
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    Halifax love a contractor. Borrowed 4.5x...

    Halifax love a contractor.

    Borrowed 4.5x contractor income (assumed 48 weeks) 2 months after going contracting. All they needed was evidence of at least a month left to run when the offer was...
  35. Thread: Alabama - WTF!

    by fiisch
    Replies
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    3,457

    What an absolutely ridiculous statement. Of...

    What an absolutely ridiculous statement. Of course men have skin in the game - does a father not also have a right to determine the fate of a foetus they have helped conceive?

    As someone said...
  36. Thanks chaps. Contract submitted for next day...

    Thanks chaps.

    Contract submitted for next day IR35 review, public liability (it was far cheaper than I was expecting) and legal/jury service protection bought. I've also bought the tax liability...
  37. New Contract - What Does a Prudent Contractor Do?

    OK, first contract money was a bit tight, so I freely accepted and bent over. No IR35 review, no insurance etc.

    Recently been offered a new contract, and figured I should try and do things...
  38. Replies
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    Upload your CV to TotalJobs and Indeed, keep...

    Upload your CV to TotalJobs and Indeed, keep location agnostic. Job done.

    It seems to have really picked up in the last couple of weeks - was interrupted four times at lunch on Friday, one with...
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    Thanks. I had no idea you were a big JK fan...

    Thanks. I had no idea you were a big JK fan too...
  40. Replies
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    3,013

    I was in the audience for a Jeremy Kyle show in...

    I was in the audience for a Jeremy Kyle show in 2007. I wonder if I sat next to the OP.

    I was wearing a "Frankie Says Relax" t-shirt on the day - Jeremy pointed me out in the audience, engaged...
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    Well, that was as awkward as expected. They...

    Well, that was as awkward as expected. They seemed quite shocked, which is bizarre.

    Have a great rapport with the agent, and they're happy for me to go whenever - they said I was a trooper for...
  42. Replies
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    Are you offering? I can't offer a decent rate,...

    Are you offering? I can't offer a decent rate, but I'll bring you a Tesco's Meal Deal daily.
  43. Replies
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    5,657,544

    Expletive

    Expletive
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    Sorry, but this is utter insanity. The current...

    Sorry, but this is utter insanity.

    The current pension laws are generous - take advantage while you can.

    If you're maxing pension contributions (or in danger of breaching Life Time Allowance)...
  45. Replies
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    1,177

    Thanks all. Not looking forward to this - hate...

    Thanks all. Not looking forward to this - hate giving notice. Should be good at it by now, given the practice I've had.

    Annoyingly I'm on a month's billing - invoice due to be paid next Tuesday...
  46. Replies
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    1,177

    Boom... How do you give your notice?

    On Friday I got the offer of a new contract. Absolutely thrilled. :banana:

    Am currently under contract until September, and have recently renewed, but very bizarrely I find myself in a role...
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    I know very little on this topic, despite my wife...

    I know very little on this topic, despite my wife is a 50% shareholder as she is also a home-maker.... My brilliant accountant sorted this for me.

    However, one point not yet mentioned which my...
  48. Thread: FTCs

    by fiisch
    Replies
    12
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    1,580

    Thanks all... I did mean Fixed Term, and you've...

    Thanks all... I did mean Fixed Term, and you've definitely deterred me.

    Judging by the number of roles being recruited for on this particular project, I would guess it's just short-term...
  49. Thread: FTCs

    by fiisch
    Replies
    12
    Views
    1,580

    FTCs

    Has anyone ever been tempted by a Full Time Contract (FTC) role? As far as I can ascertain and from comments on these boards, it seems to widely be considered as having all of the drawbacks of...
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    Apparently racing slicks and bonnet exit exhaust...

    Apparently racing slicks and bonnet exit exhaust is also an MOT failure.
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