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  1. 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...
  2. 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.
  3. 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...
  4. Thread: Warchests

    by fiisch
    Replies
    18
    Views
    1,842

    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...
  5. 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...
  6. £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...
  7. Thread: Casplus Chaos

    by fiisch
    Replies
    0
    Views
    281

    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...
  8. Replies
    5
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    609

    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...
  9. 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...
  10. 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...
  11. Replies
    49
    Views
    7,185

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

    Strange, as mine are guessed correctly, unless I've never used the vendor previously....
  12. Replies
    17
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    1,592

    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...
  13. Replies
    24
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    2,593

    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...
  14. Replies
    19
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    2,042

    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...
  15. Replies
    10
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    1,711

    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...
  16. The money.

    The money.
  17. 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?!
  18. Replies
    34
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    3,552

    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...
  19. Thread: Car Buying

    by fiisch
    Replies
    47
    Views
    1,791

    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
  20. Thread: Car Buying

    by fiisch
    Replies
    47
    Views
    1,791

    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...
  21. Replies
    24
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    2,634

    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...
  22. Replies
    16
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    1,075

    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...
  23. Thread: Alabama - WTF!

    by fiisch
    Replies
    110
    Views
    3,352

    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...
  24. 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...
  25. 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...
  26. Replies
    2,281
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    456,126

    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...
  27. Replies
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    2,909

    Thanks. I had no idea you were a big JK fan...

    Thanks. I had no idea you were a big JK fan too...
  28. Replies
    32
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    2,909

    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...
  29. Replies
    14
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    1,130

    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...
  30. Replies
    14
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    1,130

    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.
  31. Replies
    72,211
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    5,591,354

    Expletive

    Expletive
  32. Replies
    17
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    1,134

    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)...
  33. Replies
    14
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    1,130

    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...
  34. Replies
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    1,130

    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...
  35. Replies
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    5,981

    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...
  36. Thread: FTCs

    by fiisch
    Replies
    12
    Views
    1,503

    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...
  37. Thread: FTCs

    by fiisch
    Replies
    12
    Views
    1,503

    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...
  38. Replies
    16
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    494

    Apparently racing slicks and bonnet exit exhaust...

    Apparently racing slicks and bonnet exit exhaust is also an MOT failure.
  39. Replies
    57
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    3,101

    Vanguard Lifestrategy funds via Vanguard's own...

    Vanguard Lifestrategy funds via Vanguard's own platform. Cheap, already diverse, set and forget, done.

    Will take a while to get £200k ISA wrapped mind.
  40. Replies
    125
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    27,981

    Been told by a recruiter that Lloyd's of London...

    Been told by a recruiter that Lloyd's of London will be following suit... not a big contractor factory in themselves, but may encourage syndicates to follow suit (if indeed it is true)....
  41. I have the reverse dilemma. I have just...

    I have the reverse dilemma.

    I have just (literally - as of last Friday) moved to Buckinghamshire (between Bicester and Milton Keynes) from the South Coast and grammar schools were a driving...
  42. Do you want in or out of London? Blackfriars...

    Do you want in or out of London?

    Blackfriars is well served by the London-Brighton line. Crawley (Three Bridges Station) is okay, and reasonably cheap. It's also close to Gatwick Airport (you...
  43. Replies
    72,211
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    5,591,354

    Phlegm

    Phlegm
  44. Was a contractor on £400 p/d in 2016, company...

    Was a contractor on £400 p/d in 2016, company offered me £60k to go perm. The office was two miles from my house, the work was not particularly taxing and was a very laid back office environment,...
  45. I wish Cashplus were so benevolent...

    I wish Cashplus were so benevolent...
  46. @hotmail, @gmail or @fiischcontracting .com?

    I am currently looking for a new gig, and have started tarting up my Linked In, signed up for Premium and polished the CV. The final straw was receiving an employee number and access to the HR...
  47. Replies
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    2,223

    Unless you're looking for contracts in mining or...

    Unless you're looking for contracts in mining or whippet racing, London is definitely the better bet.
  48. Replies
    2,281
    Views
    456,126

    No, quite the reverse. I think it's more that...

    No, quite the reverse. I think it's more that with the takeover people are more concerned with their own futures than in what to do with a contractor. The responsibility for me will move to...
  49. You didn't action an email from your account. ...

    You didn't action an email from your account. Borderline incompetence. They've given you the message, you should be big enough and ugly enough to do the needful yourself without reminder. If...
  50. Replies
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    1,804

    Don't know BI. Went with Gorilla six months back...

    Don't know BI. Went with Gorilla six months back based on forum recommendation, and been a very happy customer ever since. They have been superb - cannot fault them.
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