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  1. Same in O&G. We were lucky to have some epic...

    Same in O&G. We were lucky to have some epic rates for a number of years. But since mid 2014 the entire industry has basically collapsed for Western workers. After almost 18 months of no work, I was...
  2. Interesting, the world's passing me by, obviously.

    Interesting, the world's passing me by, obviously.
  3. A lot of work? Cripes, you must have an amazing...

    A lot of work? Cripes, you must have an amazing skill set. I had no offers since 2015 and had to go overseas (oil and gas).

    When likely 90% or more of contractors are PAYE they aren't going to...
  4. What are the insurers going to do after next April?

    When (almost) everyone is paid through PAYE payroll next year, what happens to the businesses that depend on providing nano limited companies with insurance against HMRC investigations? (Thoughts...
  5. Agency payroll for three months, perhaps?

    Agency payroll for three months, perhaps?
  6. Oh dear, here we go again.

    Oh dear, here we go again.
  7. Thread: FreeAgent

    by Fred Bloggs
    Replies
    72
    Views
    11,364

    20 years ago it might have been half a day's...

    20 years ago it might have been half a day's work. Reality is in the UK, if you have any work at all, it's on maybe half that per day now, or less. Even London offers roles at £28 per hour in oil and...
  8. Thread: FreeAgent

    by Fred Bloggs
    Replies
    72
    Views
    11,364

    (My bold) Presumably, when FA was a small...

    (My bold) Presumably, when FA was a small independent company, the accountants out there did not want FA to do that. So FA functionality stopped at a trial balance and the accountant did the rest....
  9. Nobody cares any more. I lost interest...

    Nobody cares any more. <mod snip> I lost interest completely after the rebranding exercise that none of the membership knew about or endorsed. After several bans from their forum I eventually...
  10. Replies
    4
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    1,069

    Sticky: Thank you, that's a good initiative.

    Thank you, that's a good initiative.
  11. Sadly, it's one of the less desirable human...

    Sadly, it's one of the less desirable human traits, to exploit those in some way weaker than oneself. Older than money itself.
  12. Dear me, that's a scary letter. How scary it...

    Dear me, that's a scary letter. How scary it actually turns out to be, I wouldn't care to hazard a guess. I wouldn't like to have received one of these, for sure.
  13. Replies
    126
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    25,196

    Indeed, we all had those calls, didn't we? I used...

    Indeed, we all had those calls, didn't we? I used to quite enjoy stringing the calls out as long as possible until the salesman realised I was taking the pi55 out of him. And all on paid time, of...
  14. Replies
    126
    Views
    25,196

    Begs the question, what went through someone's...

    Begs the question, what went through someone's head when signing that? Or is it a case of not reading before signing? I can almost hear the soothing salesman's patter as nudge, wink, "nobody is ever...
  15. Replies
    126
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    25,196

    Anyone still trying to say it wasn't really a...

    Anyone still trying to say it wasn't really a loan?
  16. Replies
    11
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    2,022

    Looking ever more likely. I'd never have trusted...

    Looking ever more likely. I'd never have trusted anyone as seemingly unhinged. But it seems others did. Sad how often it seems to happen in this space.
  17. Seems to me, these people in the IoM are very...

    Seems to me, these people in the IoM are very smart people. By going for mediation rather than full blown court case they're minimising their risk, maximising their chance of a decent return and...
  18. Result! Well done.

    Result! Well done.
  19. Replies
    16
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    1,013

    Exactly. It's nothing at all to do with where the...

    Exactly. It's nothing at all to do with where the client is, it's all about where you are. Because that's where you're taxed. There's no probable about it.
  20. Replies
    16
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    1,013

    As has been said above, if you live and work in...

    As has been said above, if you live and work in France you will pay French tax, simple. Ask yourself, if you live and work in the UK paying UK tax, why would doing the same thing in France be any...
  21. Replies
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    857

    Hi Sue, so sorry to hear of your situation. I...

    Hi Sue, so sorry to hear of your situation. I have never needed your services myself, but as others have said, you are always the #1 person when the complexities of international working arise. As...
  22. Replies
    17
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    716

    Exactly. And don't get me going about health...

    Exactly. And don't get me going about health care. So called 3rd world countries often have better health services. In the UK it's still like Florence Nightingale still worked there. Three weeks for...
  23. Replies
    17
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    716

    Yes, everything is linked back to ATO. When you...

    Yes, everything is linked back to ATO. When you start your tax return after June 30th everything regarding salary is prepopulated in the electronic return. To the extent that annual salary statements...
  24. Replies
    17
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    716

    You are right. And it does. Oz is one of the few...

    You are right. And it does. Oz is one of the few places that has an even more complex taxation system than ours. But it is administered very well indeed and everything happens really quickly....
  25. Replies
    17
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    716

    Yes, one room in your main residence.

    Yes, one room in your main residence.
  26. Replies
    17
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    716

    Surely nobody is stupid enough to have undeclared...

    Surely nobody is stupid enough to have undeclared income from AirBnB. Aren't they? Perhaps not?
  27. OP, you may not need to register for VAT for a 6...

    OP, you may not need to register for VAT for a 6 month contract. Depends how high your rate is and whether you will exceed the VAT registration threshold in turn over. If you won't, then don't...
  28. Replies
    6
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    1,014

    Another ambulance chaser? He has a lot of history...

    Another ambulance chaser? He has a lot of history with many companies on google, it seems.
  29. The zero replies is the best answer, it's all you...

    The zero replies is the best answer, it's all you need to know. However, I will give my point of view. Though residency and movement of labour within the EU states is harmonised, there is no...
  30. Correct and it seems it's project work. Where...

    Correct and it seems it's project work. Where even when WFH full-time you have to interact with other team members throughout the day. I have never been on a project where that isn't the case. It's...
  31. Replies
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    Sticky: That's going to depend largely on which retail...

    That's going to depend largely on which retail investment platform you hold the Vanguard investment. And whether it's an ETF or a fund (OEIC) since on several common platforms, that makes a big...
  32. Replies
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    250,571

    Sticky: If it's money you don't need for the foreseeable,...

    If it's money you don't need for the foreseeable, now is a great time to put it into the market looking at the medium to long term. Just not the UK market, I feel.
  33. Replies
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    250,571

    Sticky: I am a very poor source of recommendation for...

    I am a very poor source of recommendation for you. For what it's worth, I advise avoiding UK investments and focus on global investments with an emphasis on North America and Asia. Good luck.
  34. Replies
    921
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    250,571

    Sticky: Afraid I don't think you have any other options...

    Afraid I don't think you have any other options if you want to be fully invested. Don't forget, investments in your trading account that pay dividends will count against your annual tax free dividend...
  35. Replies
    921
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    250,571

    Sticky: Tax sheltered? No. Use your II trading account...

    Tax sheltered? No. Use your II trading account then bed and ISA each year.
  36. I couldn't give a monkeys at your response. ...

    I couldn't give a monkeys at your response. You're absolutely wrong. But that's fine.
  37. Then we'll leave it here. If Hector comes...

    Then we'll leave it here. If Hector comes knocking and asks me, I'll show him the order number I have for my overseas client(s). When Hector asks me about IR35 determination I'll tell him I am...
  38. And UK legislation stops at the UK border. I...

    And UK legislation stops at the UK border. I don't really understand why anyone would deliberately decide to be in IR35 when HMRC cannot speak to the other contracting party. What evidence do HMRC...
  39. Why does UK legislation apply to a contract with...

    Why does UK legislation apply to a contract with a company in Sweden? It's a direct B2B arrangement with no UK agency, so why does IR35 apply? Apologies if there's something fundamental I am not...
  40. Replies
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    That article does surprise me to the extent that...

    That article does surprise me to the extent that a pilot could believe in the tooth fairy. Didn't he think to himself if it sounded too good to be true, then it was? Besides that, at the time when...
  41. But a UK client reclaims UK VAT, so it makes no...

    But a UK client reclaims UK VAT, so it makes no odds to them if they have a UK Ltd contractor working for them?
  42. Replies
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    After my previous good experience with Revolut...

    After my previous good experience with Revolut went very, very sour, being able to call a human in real time is now top of the list of my needs too. The convenience and integrations the new...
  43. Replies
    25
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    855

    Modern is all fine and dandy when it works. I had...

    Modern is all fine and dandy when it works. I had previously praised Revolut, but they are impossible to contact if you need to speak to a human in real time. I have an active complaint against them...
  44. Replies
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    901

    Others mileage may vary, but I gave up trying to...

    Others mileage may vary, but I gave up trying to open a Mettle account. They repeatedly asked for ID which never seemed to satisfy them. They asked for invoices for the services provided. But I...
  45. Seems likely. I closed two companies via the...

    Seems likely. I closed two companies via the incumbent accountants. (Last one was 2016). They charged me nothing to wind up the companies and stopped monthly charges the day I asked them to close the...
  46. SIPPs are the industry default on retail...

    SIPPs are the industry default on retail platforms. For 99% of us that's what we need.
  47. Replies
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    184,600

    Sticky: Interactive Investor reduce SIPP fee.

    Old farts like me will be pleased to know that II SIPP have dropped their drawdown fees. Previously, you paid £10 a month for the SIPP account and another £10 per month drawdown fee, even if you had...
  48. Go to A J Bell YouInvest. No cost to set up a...

    Go to A J Bell YouInvest. No cost to set up a SIPP. 0.25% annual management fee. Very wide range of investment options. No need for an advisor, no need to pay more. Simple, easy, cheap. HTH.
    ...
  49. I know I have been criticised in the past for...

    I know I have been criticised in the past for saying this. But if it looks like a duck (loan), walks like a duck (loan) and quacks like a duck (loan) then usually it's a duck (loan). Equally, I have...
  50. Thank you for the heads up, I have recently...

    Thank you for the heads up, I have recently started using TransferWise Borderless.
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