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  1. Please stop misleading people. The post indicated...

    Please stop misleading people. The post indicated no such thing.
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    Expedited

    Expedited
  3. Thanks, I didn't think it was anything special,...

    Thanks, I didn't think it was anything special, but I'm glad it gave you a good start to your weekend.
  4. That was for WTFH only :D (S)He seems very keen...

    That was for WTFH only :D (S)He seems very keen on them.
  5. I definitely will speak to some, if/when I go...

    I definitely will speak to some, if/when I go down the Umbrella route. However, this is just my first pass through the market, to come up with a short list of who to speak to.

    (yours was included,...
  6. Give me a PM if you want to know who they are -...

    Give me a PM if you want to know who they are - they'll be keen to speak to you :p
  7. No, I asked specific questions about their...

    No, I asked specific questions about their service and for an illustration based on a tax code, a day rate and £3333 pension contribution each month (assuming they do salary sacrifice - their...
  8. To be fair, I've just received a very prompt...

    To be fair, I've just received a very prompt response:

    Due to the fact we are a heavily regulated industry we as a company have compliance guidelines we have to follow, this includes an initial...
  9. I guess if they regard some fairly basic...

    I guess if they regard some fairly basic questions about their service as spamming and time wasting, then they're not the sort of company I'd want to give my custom to.



    I'm not - I'm driven by...
  10. Too Cheeky (Requesting Umbrella Information)?

    Looking ahead to next year, when one option open to me might be to move to an Umbrella, I fired off a list of questions to a number of Umbrella companies - both those only my current agency's PSL,...
  11. Really? Is there anything in particular that...

    Really? Is there anything in particular that leads you to that conclusion? All I've seen is what all the parties are doing - answering the question with what they think people want to hear as they...
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    I used to do stuff like this with Tesco purchases...

    I used to do stuff like this with Tesco purchases in order to get Avios. I've still got close to 1.5 million and that's with having long-haul Business/First class flights for the past 6 or 7 yers ....
  13. Thread: Aviva

    by Paralytic
    Replies
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    1,951

    All != All.

    All != All.
  14. It's bad when "spoiled ballot paper" is looking...

    It's bad when "spoiled ballot paper" is looking like the best option.

    Are the Monster Raving Loony Party still around?
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    As a contractor, you can do both of those things!...

    As a contractor, you can do both of those things!

    (but might not want to do one of them for tax efficiency reasons)
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    I've worked with "Data Scientists" whose job was...

    I've worked with "Data Scientists" whose job was to take database dumps given to them in CSV format and produce pivot tables for management to play with. I they were really lucky, they were asked to...
  17. Thread: Aviva

    by Paralytic
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    Many companies are dependent on contractors and...

    Many companies are dependent on contractors and individual staff members. And, if they leave, the fix is typically to bring in (another) contractor!



    I've seen plenty cases where TCS/WiPro WAS...
  18. Thread: Aviva

    by Paralytic
    Replies
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    1,951

    These things always work the same way. The...

    These things always work the same way.



    The footnote is not always included.

    Everyone (likes to) think they are indispensable and that all other contractors are easily replaced, but there...
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    Based on that, someone could learn your job in 57...

    Based on that, someone could learn your job in 57 days :p
  20. Yes, that's what i meant. I really should proof...

    Yes, that's what i meant. I really should proof read what i write before potsing.



    They're fine:


    As the dividend has been declared it can be paid whenever so if this was entered on 31/03...
  21. Yes, that risk is always there. The thing you...

    Yes, that risk is always there. The thing you need to measure is: how likely are HMRC to come calling?

    From your description, that sounds unlikely based on the role alone, but who's to know that...
  22. Thanks. And, as it turns out, I did actually pay...

    Thanks. And, as it turns out, I did actually pay myself the max dividend at the 7.5% tax bracket. The dividend was declared on 31st March, but only paid out this month... :D
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    Towards the end of contracts, I take a selfie at...

    Towards the end of contracts, I take a selfie at my desk, with me clearly logged in on the clients computer (no sensitive information showing), and holding up that days newspaper front page. Just in...
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    If you're gullible enough to fall for this...

    If you're gullible enough to fall for this "service" you might be easier to sell to a client who will offer you £100/day date with the promise of an increase to £800 after 3 months.
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    There's something not quite right here. HSBC say...

    There's something not quite right here. HSBC say they will be paying the same day rate to Reed, but Reed are knocking off 23%? I'd expect the Employer NI and Apprentice Levy deductions, but that's...
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    This. They tell people what they want to hear...

    This. They tell people what they want to hear knowing they’re not accountable down the line. People will continue to vote for the them nomatter what they actually do as doing otherwise would take...
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    NASA Group (FSCA accredited) also allow pension...

    NASA Group (FSCA accredited) also allow pension payments into your own plan. Their margin is £5 more per week if you do this (£22.50 rather than £17.50), but that £1,170 per annum, which is only £50...
  28. Thanks for at least admitting that you ignored my...

    Thanks for at least admitting that you ignored my question and instead answered a simpler one that was within your capabilities.

    Next time, if a few paragraphs is too much for you to digest,...
  29. How would that work? I’d still have £9.5K sitting...

    How would that work? I’d still have £9.5K sitting in a low interest savings account. Instead, I have £12K in my pension pot.

    I wasn’t in a position to commit company funds then (contract was...
  30. Thanks, that the exact max at which the 7.5% tax...

    Thanks, that the exact max at which the 7.5% tax runs out in my SATR.
  31. You didn't actually answer the question I was...

    You didn't actually answer the question I was asking, but I'll play along...

    I topped up my pension from my personal account because I had disposed of some assets (these funds had not originated...
  32. Personal Pension Contributions and Effect on Dividend Payments at 7.5% Rate

    (Before anyone says speak to your accountant, this is for my self-assessment, not for my PSC, and I do my own personal finances)
    (Before anyway says speak to an accountant anyway, then please move...
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    This. Speak to your client. See if you can find...

    This. Speak to your client. See if you can find out if your October invoice has been paid to the agency. If not, see if they can stop it (but might not be able to, legally).
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    from and up to are the best phrases ever created...

    from and up to are the best phrases ever created for marketing. It (more than it should) annoys me that so many people fall for that.

    UP TO 60% off!! Yes, that one pair of second-hand boxers at...
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    I'm surprised we're not seeing Agency Black...

    I'm surprised we're not seeing Agency Black Friday deals!

    Its about the only sector that hasn't jumped on the bandwagon by labelling something they're already doing as Black Friday.
  36. Sticky: I'm sure this has been discussed before and our...

    I'm sure this has been discussed before and our resident tax/accounting experts have stated that their is no mechanism (in law) for HMRC to come after the contractor for post-April taxes, nor for the...
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    I had high hopes that this thread was about a new...

    I had high hopes that this thread was about a new Agency that had been formed :(

    #Disappointed

    As others have said, this happens in every walk of life, and not restricted to contractors.
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    Just there so they can introduce variable price....

    Just there so they can introduce variable price. I.e. more expensive at peak times.

    I’ll refuse until they (inevitably) make it compulsory.
  39. I don't think that's what was being referred to....

    I don't think that's what was being referred to. See this thread/post (point 3):
    ...
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    New McDonalds are opening up all over the place! ...

    New McDonalds are opening up all over the place!

    ;)
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    I'd say the comparison is particularly pertinent....

    I'd say the comparison is particularly pertinent.

    Both typically involve taking something and dumping it somewhere else :D
  42. Thread: FactcheckUK

    by Paralytic
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    This. A significant number of people now...

    This.

    A significant number of people now readily and wilfully have their opinions dictated to them by the people they have already decided to vote for (based on an entrenched position), rather...
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    FTFY :D

    FTFY :D
  44. You're already paying an accountant - you should...

    You're already paying an accountant - you should ask them this.

    But, yes, while the company is alive (whether "dormant" or not), it will still incur fees (unless your accountant decides to do...
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    Yes, very true. Setting aside the impact to...

    Yes, very true. Setting aside the impact to individuals, and the disingenuous approach by which HMRC forces through its policies, its hard to argue that this shake-up is not needed.
  46. Would this not also be the case for people going...

    Would this not also be the case for people going via Umbrella because their client will no longer engage with PSCs? So, not just inside IR35 determinations, but anyone that goes via an Umbrella?
    ...
  47. Exactly, which is why I was wondering what cojak...

    Exactly, which is why I was wondering what cojak was referring to when he said "HMRC approved in writing."



    I'm not one to defend HMRC, but I'm not sure it is their responsibility to advise...
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    Yes, I think a number of the major financials...

    Yes, I think a number of the major financials have said that they'd still engage PSC on an ad-hoc basis, for critical roles. Nice position to be in as a contractor.
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    I did't say that :D

    I did't say that :D
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    Thanks for confirming they are not a big business...

    Thanks for confirming they are not a big business :p It's no surprise that SMEs will take some effort to get individual contractors on Outside IR35 contracts.
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