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  1. Replies
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    +2 for Starling.

    +2 for Starling.
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    Had a chat with a hiring manager at HSBC. He said...

    Had a chat with a hiring manager at HSBC. He said that contractors who had been there 1 year+ and pretty much doing the same job as a permie were being made permanent (he had 2 in his area). Mainly...
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    Boom - generating business

    Boom - extended current gig till November :banana:

    Did a strategy review and the business case just got approved. So new project is live.

    Also working on a plan for the next piece of work to...
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    Have been looking at options this morning trying...

    Have been looking at options this morning trying to work out which is the best route to generate rewards from expenditure - mainly paying taxes to HMRC (company & personal).

    Curve looks the best...
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    I wasn't being serious, but now you have me...

    I wasn't being serious, but now you have me thinking ...

    So, I want to pay my Ltd's VAT or Corp tax bill.
    I can pay by debit or corporate credit card (can't pay with a personal credit card) - I'm...
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    They don't list HMRC as one of their cash back...

    They don't list HMRC as one of their cash back 'retailers' so not much benefit for me :D
  7. Replies
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    Starling debit card has a £10k transaction limit...

    Starling debit card has a £10k transaction limit on it. Must try and remember that when paying next year's corp tax :laugh
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    Got it, thanks ! Will see what limit they give me...

    Got it, thanks ! Will see what limit they give me ;-)
  9. Replies
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    One question on paying HMRC (or any other bill...

    One question on paying HMRC (or any other bill for that matter) - is there a limit on a single transaction amount ?

    I hit a problem with Starling recently having a max debit card transaction limit...
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    Thanks for the confirmation - think I might go...

    Thanks for the confirmation - think I might go for it !
  11. Replies
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    Damn it - just paid my corp tax bill ! Oh well,...

    Damn it - just paid my corp tax bill !
    Oh well, VAT bill is due in a few months ...

    Edit: Can't see where it says anything about being a debit card ... looks like a credit card to me, which would...
  12. I did it all through Drewberry Insurance (Sam...

    I did it all through Drewberry Insurance (Sam Barr-Worsfold) - the policies are with different insurers. Would recommend you get in touch with them if you're unsure what you want/need. They...
  13. I've recently revisited my insurance and got the...

    I've recently revisited my insurance and got the following put in place:

    Separate RL insurance policies for myself/partner (both directors/employees of Ltd) paid for by Ltd.
    Income protection:...
  14. Similar here - have a licenses account with...

    Similar here - have a licenses account with multiple aliases. Also can add other custom domains and have aliases from different domains.
    Shared mailboxes, distribution groups, etc...
  15. Suppose you could use a "temporary" email...

    Suppose you could use a "temporary" email solution whilst you are deleting the old tenant/adding the new one.
    Most hosting providers include mail - just set up a mailbox there and change the MX...
  16. FYI - Starling use Companies House 'persons with...

    FYI - Starling use Companies House 'persons with significant control' data - as you are 50:50 then both of you should be listed there. If for whatever reason only one of you is listed, then (a:...
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    Just to clarify - warm/fuzzy was my...

    Just to clarify - warm/fuzzy was my interpretation of their positive feedback, and not a direct comment that I can attribute to them :D
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    Assuming Chris is male, I believe the guy spoke...

    Assuming Chris is male, I believe the guy spoke to a lady, so can confirm Chris was not the source of the "warm and fuzzyness" :wink
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    Spoke to another contractor who was looking for...

    Spoke to another contractor who was looking for an accountant recently - they phoned up a few of the usuals and went with Maslins, having got that warm & fuzzy feeling from them !

    Maybe add those...
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    I'd disagree, based on my experience to date with...

    I'd disagree, based on my experience to date with Starling. Had no real issues with their business account - and especially good if you're a cheapskate like me and want free banking !

    Even paid a...
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    Spoke to a contractor at HSBC recently - and they...

    Spoke to a contractor at HSBC recently - and they are going permie there soon. They have lost permie headcount recently within their team, so assume they can recruit to fill that space.
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    The "missing" transaction appeared in FA during...

    The "missing" transaction appeared in FA during the afternoon.

    Just needed some patience !
  23. Replies
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    Thanks for the replies regarding B2L - it's...

    Thanks for the replies regarding B2L - it's likely this will be the main investment for the available money. Just need to do some more research...

    Any tips on identifying the better areas to buy...
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    My experience so far with Starling's FA...

    My experience so far with Starling's FA integration: it's not perfect.

    First few transactions came across pretty much instantly.
    Had a recent payment that went out of Starling and didn't show up...
  25. Good luck with Reading Grammar entrance...

    Good luck with Reading Grammar entrance (genuinely :smile) - for the 2019 intake 1,165 kids took the entrance exam, to fill 150 spaces.
  26. Err. yes probably. Was wondering if anyone else...

    Err. yes probably. Was wondering if anyone else had stuck their hand in their pocket.
  27. Contributing to the contractor calculator campaign ...

    Assume this is okay to do from my Ltd ...

    Just wondering what I'd stick it under in Free Agent - Subscriptions ??
  28. I've had an Ikea one for a few years now - good...

    I've had an Ikea one for a few years now - good sized desk, works fine, no problems with it.
  29. Replies
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    Overly optimistic ? ;)

    Overly optimistic ? ;)
  30. Assuming it's this ??: Office 365 Business...

    Assuming it's this ??:

    Office 365 Business Essentials

    • Email hosting with 50 GB mailbox and custom email domain address
    • Web versions of Office applications: Outlook, Word, Excel,...
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    Wow, bit of luck I was sitting down when I read...

    Wow, bit of luck I was sitting down when I read this ... wasn't expecting a post as useful as this from you :eek
    Thanks :happy
  32. You need to get yourself a partner with whom you...

    You need to get yourself a partner with whom you can do some income shifting ... HTH :laugh
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    Investment would be longer term, i.e. 20 years ...

    Investment would be longer term, i.e. 20 years

    At the lower end of the risk spectrum, so above ~0% risk (i.e. distributing it across FSCS savings accounts), but not 'expecting' to lose significant...
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    I missed classic cars off the original list -...

    I missed classic cars off the original list - think there is some 'mileage' in that :igmc:
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    From who ? An IFA on commission ? A respectable...

    From who ? An IFA on commission ? A respectable financial advice website ? Suggestions ...
  36. Replies
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    Why ? It's not financial advice, they're just...

    Why ? It's not financial advice, they're just after ideas to research :p

    Got one decent option here so far ...
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    £200k to invest - what would you do ?

    "A friend" has £200,000 (net) coming their way, and wants to invest it in a lower-risk way that would provide some level of income (i.e. ideally above a standard 1.5% savings account). What would you...
  38. Don't think I've done Business Premium to Online...

    Don't think I've done Business Premium to Online essentials.

    I have done Business Premium/Business Essentials to Office 365 E3, but that just required applying the new licenses in the admin...
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    Thanks - that was my concern. Will just keep it...

    Thanks - that was my concern. Will just keep it on the company account and make appropriate use of it.
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    Need a new SIM deal + eSim

    Currently have a sim-only business monthly contract with Vodafone, in the company name & paid direct by company. Also have an eSim on the same account - which was free for 6 months - used in my...
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    Have been using RateSetter for ~9 months and...

    Have been using RateSetter for ~9 months and their 1 year lending option for some of my Ltd's cash that I (hopefully) won't need in the short-term. Have been happy with the returns & the investing...
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    Sure, I was trying to imply it isn't done...

    Sure, I was trying to imply it isn't done in-house, but yes, accountant would be more precise. I've previously told them to change accountant, and the didn't.
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    It's their accountant doing the payroll, so you'd...

    It's their accountant doing the payroll, so you'd think they'd have more to offer, but no it seems not.
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    Thanks, sounds reasonable. I'll suggest they look...

    Thanks, sounds reasonable. I'll suggest they look at the bonus structure.
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    Changing payroll schedule to monthly

    So ... asking for a friend, a friend that has already asked their accountant - who didn't help much, which says a lot.

    They run a small company with 5 employees.
    Currently they get paid every 4...
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    Yes, looks like you can schedule payments 'Every'...

    Yes, looks like you can schedule payments 'Every' X Days/Weeks/Months/Years, i.e. Every 3 Months is an option.
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    Sounds like Monzo's pot - you put money aside...

    Sounds like Monzo's pot - you put money aside into a pot/space so you don't see/spend it. If FA sees it as an outgoing transaction then I'd assume that you would need to create it as a separate bank...
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    Got the email from Starling yesterday (having...

    Got the email from Starling yesterday (having already linked to FA earlier that morning) - the link to their blog post walks through the steps to activate.
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    Are you looking in FreeAgent ? I did this from...

    Are you looking in FreeAgent ?

    I did this from the Starling app - just go to Marketplace and enable the FA integration from there.
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    Just added it with no issues. Just need a...

    Just added it with no issues. Just need a transaction now .. thinK I'll pay my expenses :yay:

    Update:
    Made a payment from Starling, showed up straight away in FA.
    The FA description was 'Faster...
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