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  1. Blimey. I thought you were being argumentative,...

    Blimey. I thought you were being argumentative, but you really are just thick.
  2. Akiba Rubinstein (one of the strongest chess GMs...

    Akiba Rubinstein (one of the strongest chess GMs of the 20th century) didn't learn to play chess until 16.

    Ian Wright was almost 22 before getting his first professional football contract.


    It...
  3. They are, and I considered Chubb. But their...

    They are, and I considered Chubb. But their quote came back more than three times as high as NFU!
  4. Brokers are a very good bet. However, somewhat...

    Brokers are a very good bet. However, somewhat surprisingly perhaps, NFU are outstanding in my experience. Can just ring up and speak to a person, and they cover a couple of specific asset classes...
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    Relative poverty. It's a very different thing to...

    Relative poverty. It's a very different thing to absolute poverty.
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    No. Unless the work is completely different to...

    No. Unless the work is completely different to what you were doing in the now-closed company. You could however work as an employee for a completely independent company in which you had no...
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    Why do anything? Just leave the company as-is,...

    Why do anything? Just leave the company as-is, stop paying yourself salary/dividends while you're earning through the umbrella (although you could top up your earnings via dividends if you need to)...
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    Most of the Daves and Joes are going imminently -...

    Most of the Daves and Joes are going imminently - to another client in the same sector who is recruiting heavily in this niche and placing everyone outside IR35.
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    Very specialist roles on the insurance side. ...

    Very specialist roles on the insurance side. It's not a sign of a dam breaking by any means but it does show that for highly non-generic skills some discretion is likely to be used. I did expect...
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    2,012

    One of the "Big Four" banks has just made some...

    One of the "Big Four" banks has just made some exceptions.
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    261

    Of course they aren't expecting you to work...

    Of course they aren't expecting you to work without pay. Are you nuts?
  12. That's it, by Jove, we've solved it! Except......

    That's it, by Jove, we've solved it!

    Except...

    Hang on a sec...

    Oh yeah. SNCF is also state-owned.
  13. Thread: Varna

    by Amanensia
    Replies
    10
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    444

    If there's a ship called Demeter in the harbour,...

    If there's a ship called Demeter in the harbour, might be best to stay indoors at night.
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    1,622

    Client is irrelevant. The point is you've gone...

    Client is irrelevant. The point is you've gone from being a business owner, to a simple employee of a firm in which you have no ownership interest.

    Might or might not be irrelevant for IR35...
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    Nobody knows. Some say as you will be inside...

    Nobody knows.

    Some say as you will be inside IR35 going forward, HMRC will see that as a "win" and not bother looking any closer.

    Some say the fact that you are going to be inside IR35 doing...
  16. Replies
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    1,622

    I recently took advice on this from my own...

    I recently took advice on this from my own accountant, and from a friend who is a tax partner in a major UK accountancy firm. Both were of the strong opinion that MVL -> Umbrella is absolutely no...
  17. Replies
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    7,658

    Poll: Ten days ago Labour were 25/1 to get the most...

    Ten days ago Labour were 25/1 to get the most seats. Five days ago they were 20/1. Today they are 10/1.

    I don't think they are going to win, but people are starting to disagree...
  18. Replies
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    3,818

    Only if you were a member of a registered pension...

    Only if you were a member of a registered pension scheme in the years for which you wish to use the allowances (any scheme - doesn't have to be the one you want to pay into now.) But if you're not...
  19. Replies
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    1,512

    I tend to work in banks and insurance companies. ...

    I tend to work in banks and insurance companies. The coffee is bad, but not that bad.
  20. Replies
    38
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    1,512

    In 20 years of contracting at more than a dozen...

    In 20 years of contracting at more than a dozen different clients, I've never been asked to take a medical or provide any medical history. I'd see it as a very strange request indeed.
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    Ah yes, missed that, apologies Patrick.

    Ah yes, missed that, apologies Patrick.
  22. Replies
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    Why not? The intermediary will charge VAT.

    Why not? The intermediary will charge VAT.
  23. Replies
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    Never heard of him. Seems like that's just as...

    Never heard of him. Seems like that's just as well.
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    This doesn't make any sense. The end client now...

    This doesn't make any sense. The end client now just pays the VAT to the Umbrella company rather than the LtdCo. The client is still paying unreclaimable VAT, it's just that now it's going to HMRC...
  25. Assuming you're talking about a large private...

    Assuming you're talking about a large private sector client, the client is only responsible for inside/outside determination from April 6th (assuming the changes go through as expected.) ...
  26. Thread: Aviva

    by Amanensia
    Replies
    29
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    1,981

    Good pal of mine is an Aviva contractor. He's...

    Good pal of mine is an Aviva contractor. He's leaving at the end of the year but they offered him more to stay on. So it's definitely not true to say that Aviva have "cancelled all contractors."
  27. I would certainly be taking dividends up to the...

    I would certainly be taking dividends up to the top of the standard rate income tax band before putting anything into a pension.
  28. Yeah, I'm 49 next month and going through the...

    Yeah, I'm 49 next month and going through the same thoughts!

    Remember the minimum age for drawing PP benefits will rise to 57 in 2028. Sounds like that might affect you if you're 46 now...
  29. Bear in mind the contribution limit for tax...

    Bear in mind the contribution limit for tax efficiency is £40k per year. You can also whack in £40k for each of the previous three years although you must have been a member of an approved pension...
  30. Thread: BT - IR35

    by Amanensia
    Replies
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    2,301

    Making most roles umbrella (I understand what you...

    Making most roles umbrella (I understand what you mean, but umbrella PAYE is not the same thing as inside IR35, and not all roles are affected at all banks.)
  31. Replies
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    Yup......

    Yup...

    And yup again...
  32. Dividends should only be declared up to a maximum...

    Dividends should only be declared up to a maximum of the profits made by the company (not forgetting to allow for the tax due on those profits.) These profits may be from the current or previous tax...
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    Stick with the 1978 version.

    Stick with the 1978 version.
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    I shan't be shedding any tears.

    I shan't be shedding any tears.
  35. 13/12 to 6/1. Contract ends 31/12 anyway. Was...

    13/12 to 6/1. Contract ends 31/12 anyway. Was asked to work an extra week into the furlough but politely declined :wave:
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    They've gotta win first...

    They've gotta win first...
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    864

    A company contribution is truly gross. A...

    A company contribution is truly gross. A personal contribution paid from funds that you received as salary is not really fully gross, as the company will have borne Employer's NI on the salary,...
  38. Thread: VAT Charging

    by Amanensia
    Replies
    7
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    382

    Why are the consultancy not paying VAT?

    Why are the consultancy not paying VAT?
  39. Replies
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    I'm starting a definitively deemed-outside...

    I'm starting a definitively deemed-outside contract with a new client in January.

    I am not alone.
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    Sounds promising - good luck!

    Sounds promising - good luck!
  41. Replies
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    I see, that does make some sense I guess. I...

    I see, that does make some sense I guess.

    I think I would definitely be having a full and frank conversation with the client before stopping invoicing though. As part of that conversation I would...
  42. Replies
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    I'm struggling to follow this? Issuing an...

    I'm struggling to follow this?

    Issuing an invoice is just the way that you tell the agent that they owe you money. If you don't invoice, you ain't getting paid. If you do invoice, you still may...
  43. I tend to reply that if I took a permanent role,...

    I tend to reply that if I took a permanent role, the total tax paid via PAYE/ERNI would be very significantly lower than the total tax I actually pay via CT, dividend tax and PAYE. So I'm better off...
  44. Replies
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    This.

    This.
  45. This.

    This.
  46. Replies
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    4,081

    I don’t think you quite get it. Labour’s plans...

    I don’t think you quite get it. Labour’s plans to increase dividend tax, without taking account of the fact that dividends are paid net of CT already, results in a WORSE outcome than just putting...
  47. Well, considering you asked the question only...

    Well, considering you asked the question only giving revenue and not profit, what do you expect!
  48. Replies
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    It’s like someone promising not to punch you in...

    It’s like someone promising not to punch you in the stomach but only if you let them kick you in the balls instead.
  49. Replies
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    Setting dividend tax to marginal income tax rate,...

    Setting dividend tax to marginal income tax rate, ignoring the fact that CT has already been paid, makes IR35 irrelevant anyway.
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    Might possibly be useful to denominate a...

    Might possibly be useful to denominate a shareholder as a company officer for eventual ER eligibility.
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