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  1. Replies
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    I'd retire tomorrow if the opportunity presented...

    I'd retire tomorrow if the opportunity presented itself.

    34 now, read up on the various FIRE blogs, but I'm equally a bit materialistic, so the idea of retiring at a young age and then extreme...
  2. Replies
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    Thanks all. That's helpful and cleared the fog....

    Thanks all. That's helpful and cleared the fog.

    The answer is... Option 4. FTC, £80k with a company that will definitely add to my CV and offers potential for perm / long term progression.
    ...
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    Triple boomed. :music: This week has been the...

    Triple boomed. :music: This week has been the busiest for recruitment I've ever known...

    £425/day outside IR35 3 month gig on a project I like the sound of.

    £70k perm and £525/day via...
  4. Replies
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    Thank you both - that's very helpful. On that...

    Thank you both - that's very helpful.

    On that basis, the FTC is actually the "best" paid, followed by inside roles followed by perm position (no idea about current client yet).

    That actually...
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    Seems to be an unusually busy time for this time...

    Seems to be an unusually busy time for this time of year - now have 5 interviews planned before Christmas:

    1. Existing client with some kind of perm offer. Enjoyed working for them, but they...
  6. Replies
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    Mixed emotions this week as I go back on the hunt...

    Mixed emotions this week as I go back on the hunt for a new contract.

    Existing deal ends next Friday - murmurings of an extension and potentially a permanent offer with existing client (yes, I...
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    May or may not be relevant, but the company had a...

    May or may not be relevant, but the company had a mature approach to IR35 last year. My personal situation isn't resultant from a blanket ban - company will continue to engage contractors on an...
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    IR35 AFTER April

    Evening all, hypothetical scenario I wanted to pick your brains on please. The below is assumed to all be with the same client.


    Contract starts outside IR35 May 2019 for role within IT;

    ...
  9. Replies
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    The job is actually different (I'm an IT BA, and...

    The job is actually different (I'm an IT BA, and this would be Business Change for a separate programme working for a different entity within the group), so from that perspective I'm reasonably...
  10. Replies
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    234 billable days, have been in same contract...

    234 billable days, have been in same contract since middle of last year, which is pleasing given that originally was only a planned 6 month contract.

    First part of lockdown was reasonably busy,...
  11. Replies
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    The baby has followed our eldest - slept through...

    The baby has followed our eldest - slept through 7pm - 7am since 5 weeks old.

    Not so good: Now baby is here, the eldest has decided to start waking up 3 or 4 times a night.

    I wonder if it's...
  12. Replies
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    Thanks all - I did send a message simply thanking...

    Thanks all - I did send a message simply thanking the interviewer per some of the advice on here and received a connection request, so now time to move on.

    I've been around a bit and played the...
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    That's a brilliant idea - thank you. Slightly...

    That's a brilliant idea - thank you. Slightly passive-aggressive, but ultimately it's a thank you note for the opportunity, but flags up that I gave my stance from the outset.
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    WWYD? - Recruiter misbehaving

    Treading cautiously on this board, but thought I'd canvas opinion on what to do about a recruiter that I think may have misrepresented my application for a permie role.

    I've recently been flirting...
  15. Replies
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    I cannot see the government letting company...

    I cannot see the government letting company directors walk away from a bounce-back loan unpaid. Otherwise it seems wide-open to abuse (or more open to abuse than it already has been!).

    However,...
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    Anyone else bought into the hype that is SYME...

    Anyone else bought into the hype that is SYME (Supply@Me Capital)?

    Wouldn't normally touch penny stocks, but the noise got me overexcited and bought at .26p - worked out well so far, although now...
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    Varies slightly by industry, but insurance it's...

    Varies slightly by industry, but insurance it's £60-70k perm, £500pd, assuming London-based.

    However, outlook for contracting is pretty bleak. Based on current market conditions, I wouldn't be...
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    Quick - time to transfer your house ownership...

    Quick - time to transfer your house ownership into the limited company....
  19. Replies
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    Currently in contract until November, but Perm is...

    Currently in contract until November, but Perm is look very appealing in the current climate.

    Already starting to look at the market and apply to the odd perm role that appeals. Would like to...
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    Thank you - I will give the course a go. ...

    Thank you - I will give the course a go.

    Indeed - no interest in moving into a more technical role or become a SQL magician, just some of the BA roles I would ordinarily apply for are now more...
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    Now you lost me.

    Now you lost me.
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    I see what you did there.

    I see what you did there.
  23. Replies
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    Learn SQL - Recommendations?

    Can anyone give me recommendations for online courses to learn SQL from home? Bonus points if on completion it carries some form of accreditation I can put on my CV.

    Currently in a very good...
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    BBL is giving me serious FOMO (Fear of Missing...

    BBL is giving me serious FOMO (Fear of Missing Out).

    Read this thread with interest. I am in a contract until end of November, which will take me to 18 months, and has gone very well, thank you. ...
  25. Replies
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    Furlough my Wife?

    Time to consider furloughing the wife, who's an employee of my limited company.

    Where do I claim? :banana:
  26. Replies
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    I've been in the same gig since May last year,...

    I've been in the same gig since May last year, and was determined as outside IR35 in January. However, company has been dragging it's feet on the contract, and I'm still awaiting a revised contract...
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    Outrageous. Fail to see how this helps anyone...

    Outrageous. Fail to see how this helps anyone given the damage has already been done...

    All I see is prolonged uncertainty for contractors and more months of in/out shenanigans.

    I guess it's...
  28. BA, London Insurance Market, current outside IR35...

    BA, London Insurance Market, current outside IR35 gig which is remaining so for the foreseeable. (Contractors assessed individually, and I was determined outside).

    Watching from a distance...
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    - What is the typical property purchase process...

    - What is the typical property purchase process timing?
    How long is a piece of string... Anywhere from 3-9 months is typical timescale (but has been known to be quicker, and take longer. All...
  30. Replies
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    218.5 days - first full year contracting, and...

    218.5 days - first full year contracting, and quite possibly my last...; two contracts - one I'm enjoying, one I loathed with a passion (boredom).
  31. Replies
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    I hope I don't sound arrogant if I say I am...

    I hope I don't sound arrogant if I say I am crucial to the current project I am on - ideal skillset, and very much a key man dependency on me. That hasn't always been the case - my last contract was...
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    As stated, that's assuming outside. Now add to...

    As stated, that's assuming outside.

    Now add to that, the permie gets a bonus, gets paid if he's sick, gets paid holiday, gets a pension contribution and has guaranteed work even in quiet periods....
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    IR35 Questionnaire

    Another contractor here being asked to complete a questionnaire regarding current engagement so that my client can make an accurate IR35 determination (the email cutely signed off with: "Any...
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    My rate is 5-600 per day. I'd bite someone's...

    My rate is 5-600 per day.

    I'd bite someone's nadgers off for £80k PAYE.

    The rate you are considering is an effective paycut once all factors taken into consideration.
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    They don't. The Financial Ombudsman Service is a...

    They don't. The Financial Ombudsman Service is a fantastic service, and is a free, impartial adjudicator that we are lucky to have.

    Their reviews will inevitably be skewed as only those receiving...
  36. Thread: IR35 Baby

    by fiisch
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    Thank you both. Does sound as if she'd be...

    Thank you both.

    Does sound as if she'd be better off starting new job regardless and claiming statutory maternity allowance - nothing to pay from ltd. company, and £139/week for 9 months -...
  37. Thread: IR35 Baby

    by fiisch
    Replies
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    1,876

    IR35 Baby

    What are the rules around maternity pay for spouses who receive an income/dividends through a limited company? I do not want to ask my accountant at this stage for obvious reasons...

    My wife...
  38. Thread: The end

    by fiisch
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    Youngsters have it hard these days, but...

    Youngsters have it hard these days, but presumably income support will boost him to an acceptable living wage...?
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    Unlikely to go under when they're getting Money...

    Unlikely to go under when they're getting Money For Nothing.
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    Thank you for the replies all - that's helpful. ...

    Thank you for the replies all - that's helpful.

    It's not a vast, vast difference in take-home, especially when consider the confusing IR35 burden is lifted, but I think it's enough to tip the...
  41. £18/month for use of a home office. +1 for an...

    £18/month for use of a home office.

    +1 for an accountant will be best to guide you on this, and definitely worth their monthly fee.
  42. Replies
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    Afraid this is lost on me...!

    Afraid this is lost on me...!
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    IR35 - Tell Me What to Do!

    OK, slightly facetious title, but I've eyeballed a lot of threads recently all with the variation of the theme Option 1 - Perm role; Option 2 - Contract Role, an I've come to the conclusion that I...
  44. Thread: Boom! (I think)

    by fiisch
    Replies
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    557

    Boom! (I think)

    Just had another 6 month renewal offered at current client. Contract was reviewed in May and deemed outside of IR35 (working practices would seem to be aligned in my opinion). Offer of renewal came...
  45. No - London number (020 3) - and it came across...

    No - London number (020 3) - and it came across well polished... not your usual blagger.
  46. You've probably already made up your mind, and...

    You've probably already made up your mind, and ultimately it's your call, but I'll share my experience as similar position to you:


    September 2018 - almost aged 32, left £60k perm job on my...
  47. Note to self: search forums before posting. In...

    Note to self: search forums before posting.

    In summary: annuity is a bad idea for contractors. Don't do it.
  48. Taking an Annuity rather than Dividends - Scam/Loan Charge mk2?

    A London number has been persistently phoning me for the last month and leaving messages from "Contractor Team UK".

    Answered the call today, and it was essentially a bit of a sales pitch for...
  49. Thread: Warchests

    by fiisch
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    I think that's industry/location dependent. I'm...

    I think that's industry/location dependent. I'm a BA and seek a minimum of £500/day, and I'm not especially experienced/brilliant, but work in London in FS. I'm probably at the lower end of the...
  50. It's not a problem - I'm a PCP fiend and have...

    It's not a problem - I'm a PCP fiend and have financed some overpriced metal over the years, and never been any issues with acceptance, even when I've probably stretched myself to the limit (I've...
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