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  1. Replies
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    In these times it's comforting to have CUK still...

    In these times it's comforting to have CUK still maintaining its low standard of facts :laugh
  2. Replies
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    Those two are the wrong way round, right ?!

    Those two are the wrong way round, right ?!
  3. Replies
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    It's whatever I fookin pay 'em :D

    It's whatever I fookin pay 'em :D
  4. Replies
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    Not sure I follow this - the cash is the Ltd's...

    Not sure I follow this - the cash is the Ltd's cash. not mine ??
  5. Replies
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    Director renumeration ?! Will take accountants...

    Director renumeration ?! Will take accountants guidance once the next tax year allowances are clearer.
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    Thanks for that - will keep an eye on the budget...

    Thanks for that - will keep an eye on the budget and check in with my accountant. Am using FreeAgent so payroll isn't an issue :)
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    Have added a line to clarify - My spouse is a...

    Have added a line to clarify - My spouse is a director of 2 Ltds, getting a salary from her one, nothing from my/our one at the moment.

    So, I'm looking to pay a salary from my one and make pension...
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    Spouse tax planning - pension contribution

    Just doing a little tax planning ahead of April for my spouse, and looking at optimising the following situation mainly for pension contributions ...

    (Yes, I will run this past my accountant as...
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    Yep, this. Their current position is: Based...

    Yep, this. Their current position is:

    Based on how long it took to launch their SIPP, I reckon this could take a while :laugh
  10. Replies
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    Vanguard's new SIPP does not currently allow for...

    Vanguard's new SIPP does not currently allow for regular employer contributions (i.e. monthly DD/SO), only personal.
    The portal does allow one-off employer contributions, so just a bit of a manual...
  11. Sticky: Well, I was going end of Feb, but due to a small...

    Well, I was going end of Feb, but due to a small delay to a deliverable it looks like I'll be extending till end March.
    Thanks to HMRC for the recent change to the off-payroll working rules,...
  12. Starling Bank's new business partner is ...

    IPSE :wink



    I may sign back up with IPSE :D
  13. Replies
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    :popcorn: Fingers crossed :smile

    :popcorn:

    Fingers crossed :smile
  14. Replies
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    Be interesting to see if it works out. It works...

    Be interesting to see if it works out. It works okay for personal accounts (i.e. secondary funding from a credit card), but the business PayPal t&cs do not mention funding from a CC:

    FAQs:

    ...
  15. Replies
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    Good old Curve, still messing up. Last week I got...

    Good old Curve, still messing up. Last week I got a double charge when using it to pay HMRC. Still waiting for it to be refunded :rolleyes:

    I think I'm done with using Curve now. I did the sums...
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    Anyone heard the IR35 LBC advert ?

    Got in the car this evening, and the radio is tuned into LBC - not normal! (But, I do miss Eddie - PM isn't the same). Adverts are on, as appears standard with LBC.

    And up pops an advert for IR35,...
  17. Replies
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    Since giving up on II, I've had a rethink on...

    Since giving up on II, I've had a rethink on where next.

    Am thinking of opening the Vanguard SIPP when it's available (hopefully early 2020) and transfer existing pot to them. This will give me...
  18. Replies
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    Thanks for that, my LTD typically pays in a...

    Thanks for that, my LTD typically pays in a regular monthly amount so hopefully, it'll be just 1 form to send back.

    And, noticed that iWeb, Halifax sharedealing are part of the same group.
  19. Replies
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    So ... II. The transfer process was getting...

    So ... II. The transfer process was getting painful so I've cancelled it and am ditching them :frown

    Back to looking at other providers now.
    The new Vanguard SIPP looks a good choice, but I may...
  20. Sticky: The project I'm on is due to wrap-up end Feb 2020...

    The project I'm on is due to wrap-up end Feb 2020 (in line with the contract end date), and final payment made mid-March. All good.

    Except, it's hit a few delays and is now being extended out till...
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    Thanks for this. Pretty much we are doing none of...

    Thanks for this. Pretty much we are doing none of this! We're basically subcontractors, and getting work either from existing relationships (with suppliers), or doing some email outreach to other...
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    One other thing to consider is trading costs. II...

    One other thing to consider is trading costs.
    II give you a free trade per month included with the £19.99 SIPP (additional trades are £7.50 i believe). This works for me as I make a monthly...
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    Direct vs Indirect

    Interesting thread, as a couple of us are looking at promoting a Subject Matter Expert consultancy, but growing the pipeline is the main concern with none of us being competent salespeople.

    Would...
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    Can't remember why I didn't consider IWeb, but...

    Can't remember why I didn't consider IWeb, but for me, it would be the same as II, based on making 12 trades a year...

    II: £19.99 month service fee, with 1 free trade per month = £240
    IWeb: £180...
  25. Replies
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    I've transferred two pension pots into SIPPs...

    I've transferred two pension pots into SIPPs recently.

    1. Small pot went to YouInvest (AJ Bell), as their annual fee was competitive (0.25% capped), and also a cheap regular investment fee (£1.50)...
  26. A 'Free' share dealing service with the Fintech feel?

    Anyone else using Freetrade ? The 'Monzo-type' experience has arrived for share dealing.
    Have just started using it and so far I like it (but then I also like Monzo, Starling, etc)

    - Fee-free...
  27. Replies
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    Sign up for a mettle business bank account (free)...

    Sign up for a mettle business bank account (free) - the app includes the functionality to create invoices :wink
  28. Replies
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    So, ~7 months since I originally posted this...

    So, ~7 months since I originally posted this thread, and it's been a bit of a learning journey ...

    TL;DR: BTL looked a decent investment option, certainly using leverage to boost returns. But...
  29. Download the Crunch personal tax estimator...

    Download the Crunch personal tax estimator 2018-19 and plug in your numbers.

    Had a quick play, and when I stick in:
    PAYE income: 11850
    Pensions PAID: 9480
    Dividends up to the HRT level: £46,350
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    Am currently using Stripe for taking payments on...

    Am currently using Stripe for taking payments on a website. Got some news from them in the last few months about changes due to SCA coming into effect. Didn't take much effort to "upgrade" - just...
  31. Replies
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    Based on the rewards return with my current...

    Based on the rewards return with my current credit card (admittedly not the best-paying rewards CC) - I'd probably be up ~£160 after the cost of Metal (-£150). £160 is still okay, but just weighing...
  32. Replies
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    John Redwood's onboard - shame about the party...

    John Redwood's onboard - shame about the party he's a member of :p

    John Redwood on Twitter: "I want the self employed to flourish. We need to revisit IR35 to make sure it does not hit the...
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    ii still looking good - £19.99 a month flat fee,...

    ii still looking good - £19.99 a month flat fee, which includes 1 trade (works for me as my Ltd is paying in monthly)



    Plus, currently offering £250 cashback for transferring in a SIPP.
    ...
  34. Replies
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    Just looking at transferring existing pension pot...

    Just looking at transferring existing pension pot to a SIPP (~£110k).
    Ltd pays monthly employer contributions, which will probably be used to buy Vanguard ETFs (still got to watch Lars Kroijer...
  35. Replies
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    I'd consider paying for Black/Metal if it meant...

    I'd consider paying for Black/Metal if it meant higher limits, enough for a single corp tax payment :wink
  36. Replies
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    Anyone else done the Curve survey sent out this...

    Anyone else done the Curve survey sent out this week? A few interesting questions:



    Are they thinking what I'm thinking :D
  37. Just looking at how one would log in Free Agent...

    Just looking at how one would log in Free Agent paying company taxes with a personal debit/credit card (i.e. using Curve).

    Just transfer the money from my Ltd's account to my personal account and...
  38. Hmm, okay sounds like cancelling the DD is the...

    Hmm, okay sounds like cancelling the DD is the safer option, thanks !
  39. Quarterly VAT payment: Card v Direct Debit

    Picking up on something in the 'Company credit card' thread ...

    Ltd currently pays its quarterly VAT bill via direct debit.
    I'm thinking of trying out paying by card this time around - Curve...
  40. Replies
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    Nice, let me know how it works out for you.

    Nice, let me know how it works out for you.
  41. Replies
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    I've just engaged someone on upwork to refresh a...

    I've just engaged someone on upwork to refresh a homepage on an eCommerce site I originally built. I had been spending ages thinking about what design would work best, but I'm more of a techie...
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    I'd expect a reasonable number of peoples Ltd's...

    I'd expect a reasonable number of peoples Ltd's have a quarterly VAT bill over £4k, and a higher annual corporation tax bill. I think I read that you could split payments, so pay tax bills over...
  43. Replies
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    I need to work on my Curve limits - currently...

    I need to work on my Curve limits - currently limited to £4k a day...
  44. Replies
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    Yep, that's how COT explained it.

    Yep, that's how COT explained it.
  45. Replies
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    "COT BOT" says the switch to Visa will now happen...

    "COT BOT" says the switch to Visa will now happen on 31st October, and currently issued Mastercards will be replaced after that.
  46. Another bank I'm keeping my eye on (well,...

    Another bank I'm keeping my eye on (well, acutally I've opened a business account with them as a backup): mettle

    - Free banking
    - Curently lets you have a balance of up to £100k, but I tend to...
  47. Thanks, have got TLC35 so will engage QDOS if...

    Thanks, have got TLC35 so will engage QDOS if needed.

    But ... wait, I didn't know QDOS also had a template available ! Thanks for the link :smile
  48. IPSE Template Ltd Contractor Agreement - Outside IR35

    I need a contract for a new client engagement. Previously I have used an IPSE 'Master Consultancy Services Agreement' (Egos) version, but there's now a more recent template available "Contractor...
  49. RateSetter (or similar) - allows Ltd Co...

    RateSetter (or similar) - allows Ltd Co investment accounts and potentially better returns (your Ltd's cash is at risk, etc...)
  50. I'm with Starling, and have used the app to...

    I'm with Starling, and have used the app to generate/download bank statements (PDF format). CSV exports are also an option - looks like you can set a custom date range going back 1 year.

    I've also...
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