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    50 is still quite young from my perspective...😒 ...

    50 is still quite young from my perspective...😒

    OTOH I haven't had a mortgage for quite a while...😃

    But I will stick by the voice of experience over mindless optimism!
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    Yeah, of course it will all work out fine and you...

    Yeah, of course it will all work out fine and you will be one of the lucky ones. I mean, what's the worst that can happen - out of work in three months with no savings or likely income? And in a...
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    No idea on perm, but contract rates are through...

    No idea on perm, but contract rates are through the floor of late so don't even think of going there..
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    Well it's a thought. Not really a helpful one. ...

    Well it's a thought. Not really a helpful one.

    In reality, you're still a PMO, just a better paid one (perhaps, given the state of the market, a worse paid one with more responsibilities...). What...
  5. Thread: Join the FSB?

    by malvolio
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    There seems to be an increasing overlap between...

    There seems to be an increasing overlap between the FSB and IPSE's target markets these days, the main difference is that FSB focus on the "industry" side while IPSE look at the workers. However,...
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    Lots. 1. What are the assumptions used by the...

    Lots.

    1. What are the assumptions used by the calcualtor?

    2. You won't be able to claim any expenses for being a contractor, so travel and accommodation come out of your own pocket.

    3. You...
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    And contrary to what some might say, such a card...

    And contrary to what some might say, such a card is of no use if you do not meet the criteria specified by the SSO at your new client... come to that I've had 10 SC-level roles, eight with HMG...
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    Sorry? You can't. It's a secret - or is...

    Sorry?

    You can't. It's a secret - or is supposed to be. Anyone that has a genuine need to know can ask the security team at your last employer or client where you needed it to perform the role.
    ...
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    It is - provided you are working in a suitable...

    It is - provided you are working in a suitable security environment for all that time and if you are a permie rather than a contractor. Otherwise it dies the day you leave the role you had it for but...
  10. Absolutely this ^^^. It's scary how many...

    Absolutely this ^^^.

    It's scary how many contractors think they are the ones winning the business. It's a commodity market these days, you are merely cannon fodder (or, to be a little more...
  11. Actually this is not about academics suppressing...

    Actually this is not about academics suppressing their opinions, it's about academics failing their students by being too scared to challenge their students' (largely under-informed) views on various...
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    To be fair, I've been saying this for years. If...

    To be fair, I've been saying this for years. If you don't have access to classified data, and are properly supervised to make sure you don't go looking where you shouldn't, you don't need clearance...
  13. How, exactly, if they haven't incurred the...

    How, exactly, if they haven't incurred the expense? More going on here than meets the eye. I would be demanding precise answers from the agency...
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    It's not a career improvement thing, or only very...

    It's not a career improvement thing, or only very rarely is*. You are hired because either you can offer something they don't already have in house or because they need a cheap(-ish) and immediately...
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    I've had at least three contracts fall through at...

    I've had at least three contracts fall through at a fairly late date (twice on the Friday before a Monday start), and I've also binned a couple without starting when the agency contract turned out to...
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    What GoT said. Although if it's really that...

    What GoT said. Although if it's really that important to you, you can of course charge your company (or your umbrella) 60 miles at 45p, or a whole £27 business mileage.

    Then go away and look up...
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    Or something... It depends on your specific...

    Or something...

    It depends on your specific circumstances, what individual incomes you both have, what your tax codes are and various other issues around child allowances and the like, what your...
  18. Put "Director". In terms of your new company your...

    Put "Director". In terms of your new company your job is being a contractor, not what you do for clients to earn money. May as well get that clear in your head from the start.
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    On the evidence to date, perhaps read some...

    On the evidence to date, perhaps read some more... :wink

    Anyway. Dividends are paid in proportion to shares held - if you had 80% of the issued shares and your wife have the other 20%, you get...
  20. Nay, nay, thrice nay.... But the point is not...

    Nay, nay, thrice nay....

    But the point is not to put people off but to try and make sure they consider all the aspects of a major change in their working life.
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    Mine does and fills in all the numbers - although...

    Mine does and fills in all the numbers - although I have to do the actual submission manually.
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    IMHO it's a no brainer. My accountant cost the...

    IMHO it's a no brainer. My accountant cost the equivalent of one day's gross income every six months. Given I'd need a bit more than 4 days a year to DIY it all, if you include year end and silly...
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    You haven't said how long you've been a...

    You haven't said how long you've been a contractor, but I'm assuming not very long. Sorry if that is incorrect, but if it isn't, a couple of points to consider:

    1. Good accountants don't cost...
  24. Sticky: Good to see my work is still being quoted... ...

    Good to see my work is still being quoted... :happy

    The problem is not the clearance process, it's the agencies and non-ministry hiring managers: the former simply use it as an excuse to reduce...
  25. (a) Nonsense and (b) I'm not English, and I've...

    (a) Nonsense

    and (b) I'm not English, and I've worked around the world.

    and (c) I grew up in Singapore

    Clearly no point in arguing further. But your world sounds lovely.
  26. OK, test failed. The 2012 referendum was skewed...

    OK, test failed. The 2012 referendum was skewed by Salmond's fantasy economics, such that enough people believed that they would be better off outside the UK. Reality was that you wouldn't have been...
  27. The two stress elements of a senior roles: ...

    The two stress elements of a senior roles:

    Firstly it's not the HR nonsenses you will have to endure in your own role but applying them to your subordinates. Having the responsibility to blight...
  28. So leave it connected and try a new devices...

    So leave it connected and try a new devices search from Device Manager.

    HP's instructions have proved to be somewhat unreliable and overcomplex over the years.
  29. I assume you've tried an uninstall of the printer...

    I assume you've tried an uninstall of the printer in Device Manager followed by a search for new hardware...? That will reload the current driver correctly.
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    No, it did have negative value. MPs simply got...

    No, it did have negative value. MPs simply got bored of IR35 and stopped listening. IPSE has a far better level of access to Westminster (OK, whether or not that's doing any good is a whole other...
  31. Nor me. At least you can have fun poking holes in...

    Nor me. At least you can have fun poking holes in his economic theories for an independent Scotland. Wee Burnie is far too self-centred for that to be possible - not that her plans make any sense...
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    There was a discussion on that last year. Various...

    There was a discussion on that last year. Various suitable sounds were proposed(and rejected, usually for good reason) but the one that I thought would work was a recoding of the clip-clop of a pair...
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    a) Strictly speaking he can't tell you. b)...

    a) Strictly speaking he can't tell you.

    b) Even if he could it wouldn't be of any help since you are looking at a different assessment

    c) Have you read any of this thread or the first page of...
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    To be fair, this is actually Trump's doing. Had...

    To be fair, this is actually Trump's doing. Had he not banned the Chinese using US chips as part of his childish trade war, meaning they have switched to their own brand ones, they could then...
  35. Well if that's what you believe, who am I to...

    Well if that's what you believe, who am I to argue.
  36. However her record on running Scotland, its...

    However her record on running Scotland, its health service and schools has been utterly appalling.

    Westminster are furious because she is popular despite being a failure and also deliberately...
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    Don't think a Niro would meet the OP's business...

    Don't think a Niro would meet the OP's business or personal needs and aspirations, tbh.

    Jag I-Pace is well regarded as about the best of the EVs. If you need a hybrid (not sure the OP does), then...
  38. It is scary that the Scots haven't twigged...

    It is scary that the Scots haven't twigged Sturgeon's actual intentions. Nothing to do with devolution or independence, all to do with her being in charge. Even Salmond is looking to get her out of...
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    I haven't promoted IPSE for some time now, or...

    I haven't promoted IPSE for some time now, or hadn't you noticed...

    But that said, most of the bitching is from the usual suspects, who can safely be ignored, ex-members who think they are the...
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    Well if we're into the arcana of accounting, have...

    Well if we're into the arcana of accounting, have you allowed for the non-refundable membership income figures which have to show as a debt in the accounts even though they are not one in reality?
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    Over recent years. Roughly when the CC and the...

    Over recent years. Roughly when the CC and the BoD went their separate ways...

    Of course, they do have other reserves. Let's hope they are still there.
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    PCG* became IPSE became government advisor, to be...

    PCG* became IPSE became government advisor, to be slightly more precise. Although that doesn't mean that the government is listening to them - or anyone else, come to that. IPSE's remit now is far...
  43. Why do you keep asking questions that have...

    Why do you keep asking questions that have already been answered? Why are yo ignoring the advice that's been given already?

    Have fun.
  44. Calculators are unrealistic 90% of the time....

    Calculators are unrealistic 90% of the time. Treat with great caution. Look for around 70% retention via Ltd or 55% via umbrella, depending also on your particular tax position and coding.

    Ignore...
  45. Go umbrella. You can always switch to LtdCo later...

    Go umbrella. You can always switch to LtdCo later if it proves advantageous which, right now, it won't. And it will give you time to read and understand what the first timer guides are telling you.
    ...
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    It was 5% wen it was introduced...

    It was 5% wen it was introduced...
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    Oooh look. VAT has gone down... :igmc:

    Oooh look. VAT has gone down... :igmc:
  48. Labour have got into the habit of simply...

    Labour have got into the habit of simply protesting anything the government says - often before they have even said it. I would disregard them until they present something rather more concrete as an...
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    So, can we have a new rule?

    Nobody answers threads that start with "So..." :tantrum:
  50. That's an edge case. There is zero point in using...

    That's an edge case. There is zero point in using a Ltd Co for an inside gig under these new rules, in fact it wold be more of a liability trying to keep the accounting straight.

    And if your...
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