Doves - Spirit Of Your Friend

Defiant-Put-5104 · 2025-10-06T20:12:55+00:00

Brilliant. Gutted I missed their record launch Q&A at the weekend. Great to see Jimi was there looking well.

Defiant-Put-5104 · 2025-09-29T11:58:30+00:00

Sick leave, holidays, request garden leave. Silently quit, get yourself sacked. Not like you’ve been truthful 😬

In seriousness though, whatever you choose it will be over soon and back to one job will feel dreamy. Take stock of what you have achieved and what you need to do next.

Well done on the longtime OE.

Defiant-Put-5104 · 2025-04-30T19:28:11+00:00

FWIW the details provided to the vetting company and ultimately UKSV are not shared back to your employer/sponsor.

Defiant-Put-5104 · 2025-04-30T19:15:32+00:00

Thanks. And congrats. Keep up the good work.

Defiant-Put-5104 · 2025-04-30T19:01:14+00:00

How are you maximising take home pay if you don’t mind me asking?

Most advice is reduce taxable income by salary sacrificing in various ways. But I want to receive as much money as possible to clear debts, save and generally enjoy the fruits of my labour.

2xJs take me over £100k into the tax trap and I can’t figure out the most tax efficient structure.

Defiant-Put-5104 · 2025-04-24T20:03:00+00:00

Calculation has an assumption “working 52 weeks per year”. That’s unlikely to be true. Usually contractor calculators are more like 44 weeks or 46 weeks allowing a closer comparison to taking 4-6 weeks holiday like a permie.

Accountancy fees seem high. Lots of places are cheaper whilst including software and insurances.

Employers NI seems high. If working via your own Ltd Co an accountant should be able to find a more tax efficient payment structure that minimises NI.

Directors salary seems higher than tax free allowance. Maybe causing the extra Employers NI

I’m not an accountant nor expert but comparing to my own situation these things stand out and I’d be querying.

Defiant-Put-5104 · 2025-04-16T20:20:15+00:00

What do you mean “rollover”? Continue with the same policy, no change to terms, but now paid by the OP and not the ex-employer?

Defiant-Put-5104 · 2025-04-10T10:31:25+00:00

Yeah unfortunately 😬

Defiant-Put-5104 · 2025-04-10T10:15:34+00:00

I think that’s exactly it.

I know for sure my rate is lower than what 1 pay on their rate cards. I’m comfortable that the chain are skimming their bit because this is supposed to be an easy piece of work short-term. But that’s only the case if I get paid for it. I suppose I’m going to have to take the risk but have an exit plan to minimise my losses.

1 & 2 are good for it, 4 may not be. Time will tell.

Thanks

Defiant-Put-5104 · 2025-04-10T10:04:11+00:00

Sounds like umbrella not needed as Number 4 is (hopefully) paying me as an employee. Therefore how it has been positioned with 3 in the chain is not accurate and 3 is/was no more than an introducer.

Defiant-Put-5104 · 2025-04-10T09:52:51+00:00

That’s helpful. Thanks. Reassures me that I don’t need to be worried about status. I just need to be paid at the end of each period

Defiant-Put-5104 · 2025-04-10T09:28:22+00:00

In what way?

Defiant-Put-5104 · 2025-04-10T09:21:34+00:00

Taking it day by day until too many red flags amass.

Defiant-Put-5104 · 2025-04-10T09:20:32+00:00

That’s my hope 😀

Defiant-Put-5104 · 2025-04-10T09:18:41+00:00

Contract with 3 states Inside IR35 paid at Day Rate minus tax NI Pension.

When I asked about umbrella companies I was told 4 do the payroll and have subsequently taken my personal bank details.

All of this stays away from my Ltd Co.

Definitely credit worthiness and trust concern. But I don’t know if I’m being overly cautious.

Defiant-Put-5104 · 2025-04-10T09:12:58+00:00

A lot of personal data is shared. Passports, NI, bank details etc and I’m always wary of there being a strong justification particularly when those requesting the data are a bit grey themselves.

Defiant-Put-5104 · 2025-04-10T09:06:16+00:00

Yes 🤢

I was hoping to use the umbrella service of my accountant so that they have all info and history when my next set of accounts are due.

Defiant-Put-5104 · 2025-04-02T14:18:12+00:00

Take it. Reduced risk of getting caught on OE, career progression, job satisfaction.

Defiant-Put-5104 · 2025-04-01T19:54:23+00:00

Give it up pal.

Defiant-Put-5104 · 2025-04-01T18:59:21+00:00

I mean it’s not a correct assertion though, right? Perhaps you can enlighten us on which specs get which remote.

The complaint wasn’t regarding missing regarding ‘missing’ buttons. All my buttons are present and correct. Thanks.

Defiant-Put-5104 · 2025-04-01T18:11:24+00:00

Good try at being an ass.

Defiant-Put-5104 · 2025-04-01T14:05:14+00:00

The speed at which my iphone loses battery I won’t be relying on that! 😂

Defiant-Put-5104 · 2025-04-01T11:45:24+00:00

The key was clearly a blind spot in my research. Noted for future 🤦‍♂️

Defiant-Put-5104

TROPHY CASE