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  1. Replies
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    London and country fee free - No hassle

    London and country fee free - No hassle
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    I have taken out more than 10 - I asked you...

    I have taken out more than 10 - I asked you already for a mortgage broker who charges a fee but does not take the proc fee

    You gave me a general list - Can you provide one name and website

    Most...
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    Exactly - And believe me that LandC got a 0.3%...

    Exactly - And believe me that LandC got a 0.3% procuration fee but no broker fee from you

    Some brokers charge a fee and a procuration fee - Never seen any advisors not getting a proc fee
  4. Replies
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    I am telling you that you are mistaken - Have you...

    I am telling you that you are mistaken - Have you done any mortgages before?

    Please provide ONE name of a mortgage broker who charges a fee and who does not get a procuration fee - I want to...
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    Give me one broker who does not take a...

    Give me one broker who does not take a procuration fee - Most IFAs dont want to do mortgages but rather want to sell you life insurance - Thats where the real commissions are
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    All of them including freelancer financials and...

    All of them including freelancer financials and contractormortgages do get the procuration fee -

    Nothing is free in life indeed - Some people are happy with a small slice of cake and others want...
  7. Replies
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    The broker should not charge - They get .3% as a...

    The broker should not charge - They get .3% as a procuration fee - Try LondonAndCountry mortgages
  8. Replies
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    What location industry and rate - I m still...

    What location industry and rate - I m still trying to understand where losses are occurring and equally where job gains are being made
  9. Replies
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    802,688

    This is a terrible rte for Zurich - You wont...

    This is a terrible rte for Zurich - You wont survive for more than a month
  10. Replies
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    Maybe you can help explain that - The OP said...

    Maybe you can help explain that - The OP said they worked for 2 years which means 230 days a year at 625 a day

    If those assumptions are right then thats means 290 K before tax.

    What am i...
  11. Replies
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    Must have been Nordea :) 625 for two years...

    Must have been Nordea :)

    625 for two years means you must have saved 250K pplus if you were careful right?
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    1500 day?? Wow that is something indeed Can...

    1500 day?? Wow that is something indeed

    Can you confirm industry and sort of work and years of experience

    I always thought those figures were reserved for Lab49 / Accenture
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    This is not general but I will help you 650 *...

    This is not general but I will help you

    650 * 252 * 2.5 * 1.2 (VAT of course) == 490K
  14. Replies
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    UBS IS A GOOD EXAMPLE - They fired a ton of perms...

    UBS IS A GOOD EXAMPLE - They fired a ton of perms and hired contractors in 2015 onwards ....
    CS are doing the same although reduction in contractors as well

    Take HSBC as well - Do you not think...
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    Your Best Rate And Year

    Some nostalgia perhaps but I do wonder what peoples highest rates were and the number of days they were working for was and the industry

    For me it was 2017 - 840 a day / 230 days a year / Finance...
  16. Replies
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    In IB finance perms are cut as often as...

    In IB finance perms are cut as often as contractors so no security

    The perms I have worked with over the last 15 years rarely had any training so I dont buy that either

    Yes time between...
  17. Replies
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    But if you have three months holiday between...

    But if you have three months holiday between contracts that surely is a massive benefit - Why work for twelve months when take home pay is the same for 9 months work

    And sick pay - Not many take...
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    What would be interesting to know is the old day...

    What would be interesting to know is the old day rate and how many days you billed a year

    And the new perm package

    When the numbers are written down we often see

    650 a day 230 days a year...
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    Accenture would charge 2K plus for each of a team...

    Accenture would charge 2K plus for each of a team and project manager to do this :)
  20. Shareholder dispute and company law solicitors

    Does anyone have recommendations of lawyers who specialise in company law and shareholder disputes

    In short the flat we have in Manchester needs a lease extension and whilst we own a share of...
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    Very very intesrting thanks for sharing 1) Is...

    Very very intesrting thanks for sharing

    1) Is this in FS in London
    2) Is that 80K base or including bonus?

    I ve been contracting for 8 years plus with 15 years FS experience and a comp sci...
  22. Replies
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    Intersting that you took 80K perm - Are you...

    Intersting that you took 80K perm - Are you expecting a bonus or not? And what would your day rate have been in the good days on contract?
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    So you are saying what I am saying which is 500...

    So you are saying what I am saying which is 500 pd is much much more then 55K - Correct?

    Thats why I asked for real life examples of contractor to perm salaries

    I must be the only one here who...
  24. Replies
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    Very very helpful - This debunks the myths that...

    Very very helpful - This debunks the myths that 500 per day (which is good) is anywhere near 55K (which is terrible)

    I have had some contracts at 600 a day and I always wonder if 120K perm was...
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    This question actually has real merit - I along...

    This question actually has real merit - I along with others have properly declared their employment income on their self assessments but never did set up RTI PAYE either because they did not know or...
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    I d be very keen to hear first hand what perm...

    I d be very keen to hear first hand what perm salaries map to 650 a day

    I have been on here for many years and the most favourite discussion was always what is an equivalent perm salary - So for...
  27. Actually the take home pay will be much more then...

    Actually the take home pay will be much more then 52K :) So the agent does have a point !

    Just saying
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    Why did you not get these people in at the start...

    Why did you not get these people in at the start in that case?
  29. You can put these regulated investments into...

    You can put these regulated investments into auction and cash them out today if you want - There are long term companies that buy these and wait for the person living there to die
  30. Could she send in a substitute??

    Could she send in a substitute??
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    Nice information thanks for sharing ��

    Nice information thanks for sharing ��
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    Bitcoin will go down as the biggest waste of...

    Bitcoin will go down as the biggest waste of electricity in the 21st century

    This is going to zero!
  33. Thread: Ir35 2020

    by LondonPM1
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    Exactly - Big companies wont want the hassle of...

    Exactly - Big companies wont want the hassle of giving outside IR35 contracts in much the same way as they insist on using agencies even if you were referred by an existing employee

    Its even made...
  34. Thread: Ir35 2020

    by LondonPM1
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    Back to the topic - The only saving grace from...

    Back to the topic - The only saving grace from all of this is that things become inside IR35 but somehow rates increase to offset the extra taxation

    Personally I dont see it so I think most of the...
  35. Thread: Ir35 2020

    by LondonPM1
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    On what sort of salary expressed in gbp? 13%...

    On what sort of salary expressed in gbp?

    13% of 30K is not great = 13% of 300K is better
  36. Thread: Ir35 2020

    by LondonPM1
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    If you want perm type benefits and be left to...

    If you want perm type benefits and be left to what you are good at then just go perm today 😌. No one is stopping you

    This is the end of contracting as we have known it. And the government...
  37. I used transferwise for regular fx currency...

    I used transferwise for regular fx currency conversions to the UK.

    1) You can only send GBP to UK accounts - I have a GBP account in a different country and they wont do fx in those...
  38. You should be asking for 1000 CHF a day - And...

    You should be asking for 1000 CHF a day - And dont try to sleep in a car or caravan - I have heard some people try this and they get caught
  39. The first time I have seen a thread in General...

    The first time I have seen a thread in General worth reading. Thank you for this
  40. Replies
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    Actually it was 400pence when it IPOd in 2013 -...

    Actually it was 400pence when it IPOd in 2013 - Now it is 45 pence

    Thats a drop of 87% - Impressive

    Personally I dont understand Foxtons - They used to sell upmarket properties for time poor...
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    What are you trying to achieve here? Work part...

    What are you trying to achieve here? Work part time in IT and part time i dentisry>?

    If yes why exactly? Denistry is much more stable - Stay there
  42. This is what suprises me as well - Dont we have...

    This is what suprises me as well - Dont we have dimprawn claiming he sits at home and burns fifties in the fireplace to keep warm at night?

    25K savings from two years is not very good is it
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    "are people here buying more or selling down"

    "are people here buying more or selling down"
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    BTL In This Enviroment

    With S24, EPC rules and plenty of red tape are people here buying more or selling down

    The london auction tells a really bad story - Today Barnard Marcus has tons of unsold flats mostly in London...
  45. Good advice and dont get married again !!

    Good advice and dont get married again !!
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    Amazing you read it this way - this is terrible...

    Amazing you read it this way - this is terrible news if you ask me - Plenty of desks will be closed

    IT systems decommd, plenty of people on bench
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    Deutsche Bank

    https://www.bloomberg.com/news/articles/2018-04-26/deutsche-bank-to-reduce-investment-banking-in-focus-on-europe

    Germany’s largest lender will scale back U.S. rates sales and trading, reduce the...
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    Probably Autosys job definition error that caused...

    Probably Autosys job definition error that caused it to go wrong like RBS :tongue

    How these guys dont do rehearsals and roll back I just dont know.

    Whats to bet they dont have a proper dev...
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    I love it - Paying people 600 a day is cutting to...

    I love it - Paying people 600 a day is cutting to the bone :)

    Try cutting it to 60 a day and see how it means to be to the bone
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    Thats a very small house indeed and thats from me...

    Thats a very small house indeed and thats from me living in london!

    What will you do with the cash and wy is BTL so hard for you?
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