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  1. Thread: The end

    by OneManBand
    Replies
    54
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    18,973

    Just noticed this post from just over a year ago....

    Just noticed this post from just over a year ago. Famous last words, eh?
  2. To be honest, I don't see myself contracting...

    To be honest, I don't see myself contracting through a limited company again. Things only ever get worse.
  3. Phoenixing is only an issue if I open another...

    Phoenixing is only an issue if I open another company, right? What if I'm contracting through an umbrella company?
  4. The way I see it, if I close the company down, I...

    The way I see it, if I close the company down, I can't lose.

    The trend is very much anti-Ltd company. Keeping the company open would just be wasting money at a slow rate, and by closing it I might...
  5. Anybody thinking of liquidating their Ltd co. already?

    I am finishing my current contract end of the month. I am very tempted to start the closing down process as soon as the final invoice is paid, take the money and just work with an umbrella company...
  6. Fine, you guys take Heron, but the next one is...

    Fine, you guys take Heron, but the next one is mine. OK?
  7. Nope. Never heard back from them.

    Nope. Never heard back from them.
  8. Replies
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    Holy tulip.

    Holy tulip.
  9. I personally feel this is a very positive...

    I personally feel this is a very positive development for contractors. Never before have I heard of HMRC making a categorical statement (as categorical as it can realistically be) ruling something...
  10. Contracting in Germany via German umbrella company

    I've been approached by an agency about a contract that involves 2-3 days of work in Germany and the rest here / WFH. The agent said they operate via a German umbrella company, which will pay me net...
  11. Replies
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    Remember, public sector has a bottomless pit of...

    Remember, public sector has a bottomless pit of money. Private sector won't be the same. I think their reaction would be getting more outsourcers in and pushing the government for more immigration....
  12. Replies
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    Which sites apart from Jobserve?

    I've never had much luck with Monster or IT Job Board.

    What sites do people use most nowadays?
  13. Yes, it will lead to a shortage of tech talent....

    Yes, it will lead to a shortage of tech talent. The government will "solve" that problem by inviting 5 million more immigrants.

    Classic problem-reaction-solution.
  14. Replies
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    It will depend on one thing only: your overheads....

    It will depend on one thing only: your overheads. You'll be paying for hotels and transport from your net pay. If you are lucky enough to be contracting locally, then its very likely to still make...
  15. Replies
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    My situation is the opposite. I am in a slightly...

    My situation is the opposite. I am in a slightly niche area, and there is only one client within a 75 miles radius that needs my skills. So far I've managed to get most of my contracts with them,...
  16. Why do HMRC pick IR35 cases that they lose?

    The only contractors I have ever known (and I have known hundreds) - including myself - are "permietractors" as they are fondly known on this forum. We work within a team, doing exactly the same work...
  17. Replies
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    I'd rather take a huge pay cut than take a permie...

    I'd rather take a huge pay cut than take a permie job. I cannot go through performance appraisals, begging for holidays to be approved and "giving back to the community" ever again. No way. Just kill...
  18. Replies
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    Surely the main effect will be daily rates going...

    Surely the main effect will be daily rates going up drastically, as contractors try to recoup the lost earnings?
  19. I contracted for many years with Pontoon (long...

    I contracted for many years with Pontoon (long before they became Pontoon). They always paid on time and without fuss.
  20. Replies
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    2,975

    What agency is this?

    What agency is this?
  21. Replies
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    But surely you'd have only one legal team...

    But surely you'd have only one legal team representing you in court, not two? I still don't see the point of having both TLC35 and IPSE+.

    Yes, I know IPSE+ has other features like jury service...
  22. Replies
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    If someone has the TLC35 cover (e.g. me), what...

    If someone has the TLC35 cover (e.g. me), what could they gain by also getting the IPSE membership?
  23. Replies
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    You have to choose the amount of cover, and the...

    You have to choose the amount of cover, and the premium will depend on that obviously. I think I chose too high an amount when I bought my Qdos policy.

    The last question was for my own...
  24. Replies
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    How do I calculate how much IR35 tax liability...

    How do I calculate how much IR35 tax liability cover I really need?

    Do I need cover for only the last 6 years?

    Does the tax liability get offset against what the company and I have alrrady paid...
  25. Replies
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    I did look at IPSE+ but they don't seem to have a...

    I did look at IPSE+ but they don't seem to have a tax liability insurance. It's not enough to have legal representation cover, I need cover for any tax liability as well.
  26. Replies
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    Well, I've got myself a QDOS IR35 insurance last...

    Well, I've got myself a QDOS IR35 insurance last night. Never felt it necessary before, but the time has come now to fork out the money, just for my peace of mind if nothing else.
  27. Replies
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    The "consultation" paper is here:...

    The "consultation" paper is here: https://www.gov.uk/government/consultations/off-payroll-working-in-the-private-sector

    They are going for it... sadly I cannot retire just yet, so it looks...
  28. That's true, I wouldn't exceed the threshold...

    That's true, I wouldn't exceed the threshold income.
  29. AJ Bell.

    AJ Bell.
  30. No, £80k won't create a loss for the year... I...

    No, £80k won't create a loss for the year... I was just curious.
  31. Thanks for all the replies. My accountant hasn't...

    Thanks for all the replies. My accountant hasn't got back yet, but he promised he'd be in touch by COB today. We shall see...

    I understand that contributing the whole £160k now means I'd get hit...
  32. 1. I only have had an old staff pension from when...

    1. I only have had an old staff pension from when I was a permie. I haven't paid into that scheme since 2009. I have had no other pension scheme until I opened the SIPP this week.

    2. Correct, not...
  33. £160k pension contribution including previous three years: is this a problem?

    I have just opened a SIPP account. My accountant had previously said that my company can make not only the max £40k contribution to my pension this tax year, but also a £40k contribution for each of...
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    The ETF is EMDV (ProShares Emerging Markets...

    The ETF is EMDV (ProShares Emerging Markets Dividend ETF) and the broker is Interactive Brokers.




    The W-8BEN is for individuals, the W-8BEN-E is for companies.
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    LSE listed ETFs hit by US dividend tax

    I hold ETFs in an investment account owned by my Ltd co.

    For some reason, this year my broker has started withholding full 30% of US taxes on dividends. This has never happened before, and I have...
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