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  1. Huh. What would the revenue show? Having the...

    Huh. What would the revenue show?

    Having the same operating model doesn't mean the revenue will be the same...
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    Having long contracts as a BA usually is a strong...

    Having long contracts as a BA usually is a strong indicator that the person is a solid analyst. I've worked with truly terrible contract BAs that have got lucky and managed to bag a contract, then...
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    Usually a mixture of consultants at the...

    Usually a mixture of consultants at the beginning, contractors later on and permie programme leads / SMEs throughout.
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    HSBC has actually got a new HR system, so the...

    HSBC has actually got a new HR system, so the agent isn't lying. If the agent is Resource Solutions (internal recruiter) then it's probably fine. People on here worry too much.
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    Retention rates are completely arbitrary If...

    Retention rates are completely arbitrary

    If you make £15k a month.
    1. Draw a £700 salary and £2500 dividends and expense £500, then you have a mad hot retention rate.
    2. Same as above but take...
  6. In my experience as a non-IT investment banking...

    In my experience as a non-IT investment banking BA, domain knowledge is what you need. Core BA skills are fairly easy to acquire, however domain knowledge and a deep understanding of the particular...
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    My mistake, sorry babe.

    My mistake, sorry babe.
  8. Replies
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    11,191

    Yes I get as contractors, we aren't employees of...

    Yes I get as contractors, we aren't employees of these corporations. However from a purely business relationship POV, it makes sense to understand what is happening the top right?
    Yes 95% of these...
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    11,191

    Are you trolling? If you choose to ignore very...

    Are you trolling?

    If you choose to ignore very clear communication from the client that there is a significant shift in the business need for interim resources, and then get surprised enough to...
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    11,191

    Is this a daily mail article? I'm not going...

    Is this a daily mail article?

    I'm not going into specifics, but there is a transition of one of the largest programmes of work in any bank into BAU. It's not out of the blue - if you have been...
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    11,712

    If you've managed to go from a 55k permie, to a...

    If you've managed to go from a 55k permie, to a 90k permie, while you've been working as an interim worker, it means you've picked up the skills to jump a career band without having to climb the...
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    House prices aren't going anywhere son, not while...

    House prices aren't going anywhere son, not while there is such limited supply and a rapidly increasing population.

    I can't speak for anywhere outside of the SE, because they are just a drain on...
  13. Cant wait to see how this pans out!!! ! ! ! !...

    Cant wait to see how this pans out!!!

    ! ! ! ! !
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    The ones that are paying for your pension and...

    The ones that are paying for your pension and looking after you when you get sick, or just the ones that are on the news trying not to be bombed by the west?
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    Make sure accommodation is being paid for in the...

    Make sure accommodation is being paid for in the package. The mid-levels are Mayfair London money!

    Like other asian expat rich countries (i.e. Singapore), there is still a huge element of white...
  16. Replies
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    Have a chat with Super Contractors. I can't...

    Have a chat with Super Contractors. I can't recommend them enough.

    I had a 8 month break with only 2 years of contracting experience and they have got me a mortgage offer (not just in principle,...
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    Makes sense. I would go further and cut any state...

    Makes sense. I would go further and cut any state aid for those that have made fortunes from their houses appreciating. They should have to use the equity they have gained to pay for their...
  18. So what happens if you aren't extended beyond...

    So what happens if you aren't extended beyond your 6 months (it happens a lot). Another 4 months looking and not developing skills?

    Contracting only makes sense if the market is fluid and you have...
  19. Just wait until Q4 this year when global...

    Just wait until Q4 this year when global standards at hsbc comes to an end. Thats 5000 contractors dumped and looking for work.

    Cream always floats to the top, but 4900 will be jobless and looking...
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    5,471

    I like passive global tracker funds. It's...

    I like passive global tracker funds. It's comforting that I'm not heavily exposed to one particular sector or region, although looking at how much the stock market has risen over the past 5 years, I...
  21. Not CEO, but I've come across this twice at...

    Not CEO, but I've come across this twice at MD/programme director level at 2 large banks.

    'Mates' in these cases are old colleagues that created system integrating companies who obviously had...
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    Sticky: Care to explain? It's the 101 in my opinion.

    Care to explain? It's the 101 in my opinion.
  23. Replies
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    123,546

    Sticky: There should be a sticky post for this to make it...

    There should be a sticky post for this to make it super easy for newbies.

    1. Open SIPP with a fund supermarket
    3. Decide on your bond:equity risk appetite
    2. Invest in a global tracker such as...
  24. As a permie it's an incredibly tough place to...

    As a permie it's an incredibly tough place to build a real life now, I genuinely feel sorry for graduates. If you earn decent money (£100k+) or have wealthy parents, you might have a chance. ...
  25. Money, simple as. I'm a young contractor and...

    Money, simple as.

    I'm a young contractor and at times, I would prefer to live a permie life. But how else does one afford to live a normal life in London with a single income?
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    If you plan to leave the money, Invest the...

    If you plan to leave the money, Invest the retained profits in a global tracker fund and reinvest any dividends, and then pay the extra tax on the growth on the assets.

    Surely thats better in the...
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    Banking gigs in the nordics pay decent rates. £1k...

    Banking gigs in the nordics pay decent rates. £1k a day is similar to £600 in London due to high taxes.
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    I haven't paid any TV tax for almost a decade....

    I haven't paid any TV tax for almost a decade. One of the benefits of living in a secured development - the scum bags can't get close without me letting them in via intercom.
  29. What a great deal for the tax payer, 20% off a...

    What a great deal for the tax payer, 20% off a new build thats 20% overpriced, and they will even make it 20% smaller than an equivalent flat built in the 1990s!

    The government subsidising the big...
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    Dry January - Who else is doing it?

    I'm usually a pretty heavy drinker (50+ units a week) so I thought I'd give it a go this year.

    Day 4 in and I'm no longer craving the booze... but now I have loads of energy in the evening and...
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    I'd prefer they kill each other instead of...

    I'd prefer they kill each other instead of killing us. Make them build a fence and get turkey to pay for it.
  32. Replies
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    Poll: I find this offensive. Why can't you just wish...

    I find this offensive.

    Why can't you just wish me season greetings?
  33. As a Londoner I refuse to take the Heathrow...

    As a Londoner I refuse to take the Heathrow express. It's the most expensive form of public transport per mile in the country.

    Unless you're a princess you should just get on the tube and ride it...
  34. Interesting idea actually. It won't get any...

    Interesting idea actually.

    It won't get any further than an article in the news, but if it did I would happily pay to remain a part of the EU. I would imagine many employers in London would add...
  35. Economics 101: Reduction of cheap money = fall in...

    Economics 101: Reduction of cheap money = fall in prices.

    Perhaps the time for the baby boomers to jump off your ill-gotten gravy train?
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    You're hired! Back in the real world, you have...

    You're hired!

    Back in the real world, you have next to no chance bud.
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    Poll: Interesting fact: The population of our tiny...

    Interesting fact: The population of our tiny island is now around 1/2 the population of the entire world during the roman times.
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    Don't forget the £1.2bn spend on Williams and...

    Don't forget the £1.2bn spend on Williams and Glyn that was eventually scrapped.
  39. Replies
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    26,167

    Ok maybe I calculated it wrong... VAT on...

    Ok maybe I calculated it wrong...

    VAT on invoices = 27,500k
    VAT to HMRC = 19,250
    Gross VAT saving = £8250
    Minus 20% Corp Tax payable (additional profit) = 6,600

    Is that incorrect?
  40. Replies
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    I've just calculated and my net profits are down...

    I've just calculated and my net profits are down £7200pa now due to the new flat rate scheme. Which equates to circa 5k a year net in my pocket - which is a lot of money.
    This with the increased in...
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    My point is shareholding is not a valid argument....

    My point is shareholding is not a valid argument. Retained earnings are not reinvested in stock. We don't create value.

    Profit is retained for tax purposes.
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    Do you think anyone would buy shares in your...

    Do you think anyone would buy shares in your company if they had a chance?

    How much do you think they are worth?
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    Fo real. Is your one share in major consulting...

    Fo real.

    Is your one share in major consulting worth any more now than when you created the company?
  44. Replies
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    26,167

    Do you have any figures? Based on £500/d 46 week...

    Do you have any figures? Based on £500/d 46 week pa

    Shareholding means nothing to contractors as the company value will never increase..
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    Rules haven't changed for employer contributions...

    Rules haven't changed for employer contributions via an umbrella.

    Other expenses have, as alluded to in previous posts.
  46. Replies
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    I spend £2-3 on lunch, walk to the client office,...

    I spend £2-3 on lunch, walk to the client office, they provide a company phone and FYI you can't expense a tv.

    Ltds still might make sense for people that have high travel and accommodation...
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    You can still contribute in your pension from...

    You can still contribute in your pension from your gross income as a business expense.
  48. I'm ditching my Ltd and moving to an umbrella....

    I'm ditching my Ltd and moving to an umbrella. And saying goodbye to IPSE.

    I get more useful newsletters in my inbox from my contractor mortgage broker than IPSE, who are a complete waste in this...
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    I think you should probably run this genius tax...

    I think you should probably run this genius tax evasion idea by your accountant first buddy.
  50. Replies
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    26,167

    Hmm, you're right. For me this news is the last...

    Hmm, you're right. For me this news is the last straw as I have next to no expenses (apart from accounting fees etc), so time to ditch the LTD. Government 1 - Me 0.
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