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  1. Makes sense. Not sure how it will work should...

    Makes sense. Not sure how it will work should MyCo cease trading, but I'll talk to Qdos when the time comes.
  2. When the agent called me to ask about extension...

    When the agent called me to ask about extension news recently, they claimed to know nothing about the termination -- 'we've heard nothing from the client'...

    Since I had already discussed this...
  3. Yeah, as mentioned in a separate related thread,...

    Yeah, as mentioned in a separate related thread, I'll be leaving my Ltd as-is for at least 6 months as a potential escape route and then assess whether I'm likely to be able to stick at being...
  4. Restrictive covenants -- from contractor to perm

    I've been offered a perm position at a client I've been contracting at – contractors are being phased out in favour of perms (they've now all been dropped from the department I was working in).

    My...
  5. Ah, I get it now. Thanks for illuminating that...

    Ah, I get it now. Thanks for illuminating that point.
  6. I meant rather than new income taken as dividends...

    I meant rather than new income taken as dividends through another Ltd company (avoidance?). While there's no tax advantage to operating as a sole trader (quite the reverse), I guess there is in...
  7. Unless I'm missing something, wouldn't this be a...

    Unless I'm missing something, wouldn't this be a case of just using the current £2k annual dividend allowance? It would take some time to draw the whole lot that way...



    Would this be the case...
  8. Going perm - what to do with distributable income?

    I've been made a perm offer I'm thinking of taking, but while I'll no longer be contracting if I do, I/the business will still service a few freelance clients until at least the end of the tax year...
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    Yep, tried that with no success. The manual date...

    Yep, tried that with no success. The manual date entry also made me twitchy (correctly, or not) about pulling duplicate transactions on end dates, but the direct feed discovery negated all of that.
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    FreeAgent now supports a direct feed from NatWest...

    FreeAgent now supports a direct feed from NatWest – no Yodlee scraping required.

    Can't remember the details after enabling it a couple of weeks ago, but it's working faultlessly so far. The same...
  11. Hm, that's all pretty much what I figured. Given...

    Hm, that's all pretty much what I figured. Given that the ongoing maintenance (and even the initial rejiggery) is so straightforward now, ongoing IFA fees do seem be largely pointless. Thanks, all.
  12. What does a pensions IFA do for an ongoing fee?

    My wife moved her private pension a short while ago, using an IFA recommended by a friend. All fine and above board.

    The pension is a 'balanced risk' portfolio with a fund manager charge of 0.95%...
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    Yep, I have similar experiences. This is for £4k...

    Yep, I have similar experiences. This is for £4k and while the money isn't a problem for cashflow purposes (and I don't doubt it will be paid eventually), the principle is – this was for a series of...
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    If you mean 'freelancing' rather than...

    If you mean 'freelancing' rather than contracting, then good luck getting paid in anything like a timely fashion. I have invoices approaching 3 months late with one major international client, which...
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    I'm not really interested in anything...

    I'm not really interested in anything particularly 'exciting' -- more practical and with lots of room.

    I've looked at the total cost of the lease (inc VAT) and am using that as a basis for...
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    New to car leasing – any catches here?

    I’m replacing my car and am currently thinking about leasing something nice for a couple of years, rather than my usual buying something second-hand and adequate, and keeping it for five.

    I’d...
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    Overthinking it, clearly. Thanks all.

    Overthinking it, clearly. Thanks all.
  18. Replies
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    Personal bio requested for team presentation

    I've been asked to supply a short biography for a 'team' presentation. Contractors are not required to attend the session itself.

    I'd rather not do this, for obvious reasons, but it seems churlish...
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    Yep, they were very clear about it being a...

    Yep, they were very clear about it being a *trade* reference, but couldn't/wouldn't elaborate about why – "it's just the way we work". Then after I pointed them at my accountant (the only 'supplier'...
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    Hm, seems weird to want a credit reference from...

    Hm, seems weird to want a credit reference from someone not asking for credit. I guess I'll just point them at the only supplier I use –*my accountant –*and leave them to sort something. Thanks for...
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    New client wants a trade reference...

    Quick question. I've been asked for a trade reference by a potential new client (there's no agent). After asking for clarification, I was told that this is something they ask of all new vendors and...
  22. Hm, makes sense, I think. That means we have a...

    Hm, makes sense, I think. That means we have a little over year to make our fortunes and move...
  23. Yes, but how to interpret that? Who sells my...

    Yes, but how to interpret that? Who sells my wife's property, who gets the money and who fills in the relevant parts of the tax return? The property is in her name and she's lived in it for longer...
  24. The problem is making sense of advice like this:...

    The problem is making sense of advice like this:

    "If you nominate a property as your main home you qualify for relief for most of the time you live away. You must have lived in the home as your...
  25. Aye, all that 'love and commitment' stuff aside,...

    Aye, all that 'love and commitment' stuff aside, it seems like we should have sought financial advice before tying the knot. Act in haste, I guess...

    The reason for the current arrangement is a...
  26. Two homes, Principal Private Residences & Capital Gains tax?

    Has anyone had any experience with Principal Private Residence rules and Capital Gains Tax..?

    I got married earlier this year, and both my wife and I own our respective properties on opposite...
  27. Thanks for those constructive replies — all...

    Thanks for those constructive replies — all really useful.

    Since I have no interest in sailing close to the wind, tax-wise, I suspect it'll be simple enough for me to manage everything myself and...
  28. What does/should an accountant do for an LTD..?

    I’m new to contracting, and in an unavoidable rush associated with starting my first (and somewhat last-minute) contract, plus some initial uncertainty about whether to go umbrella or LTD, I...
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