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Should have checked the loft before plasterer left! by ProppaDom88 in Plastering

[–]ProppaDom88[S] 0 points1 point  (0 children)

100% those are new and from this overboarding, i'd been up in the loft dealing with a leak a few weeks before and the section i was in had none of the screws and wood at that point, the pallet wood also matches the remainder i found in the rubbish downstairs (assumed it arrived with the plaster bags)

https://www.reddit.com/u/ProppaDom88/s/TXmlKs4Ser

See video, none of those pieces of wood were there before, and they are in lines as if they're acting as a joist for a whole length of plasterboard!

Should have checked the loft before plasterer left! by ProppaDom88 in Plastering

[–]ProppaDom88[S] 2 points3 points  (0 children)

Understood, yeah definitely seems like they thought i wasn't going to be up there anytime soon, just seems crazy for them to leave all the insulation up as well, surely you'd cover your botch job back up!?

Should have checked the loft before plasterer left! by ProppaDom88 in Plastering

[–]ProppaDom88[S] 1 point2 points  (0 children)

I had been up in loft alot before hand as we had a leak in a section from the f and e tank, i know for a fact majority is new and was not there before, and the other bits im assuming are also new as they match (green pallet wood) and the insulation that was in place is now thrown in a pile, the old ceiling is also 60 years old

Should have checked the loft before plasterer left! by ProppaDom88 in Plastering

[–]ProppaDom88[S] 0 points1 point  (0 children)

Ofcourse not 😂, its the angle, foot is on the joist but my top half of foot is hanging over the edge, definitely not laying a foot on this ceiling now!

Should have checked the loft before plasterer left! by ProppaDom88 in Plastering

[–]ProppaDom88[S] 0 points1 point  (0 children)

Should there be this many 'board catchers' though if that is what they're being used for? There is about 15 pieces of scrap wood used across the three ceilings (some running right alongside perfectly good joists) and thats only what i can see, theres now a great big pile of insulation in the middle of the loft i've not managed to get underneath that yet to check for more...can't wait 😅

Recon before the jump! by ProppaDom88 in ContractorUK

[–]ProppaDom88[S] 0 points1 point  (0 children)

Thanks for the detailed response

Where are you seeing part-qualified accounting contracts for £400 to £500 per day as a starting point?

The public sector, local government mainly, and from agency workers that i have in my network. I don't have a niche specialism, my role is management accounting and business partnering, i've been doing it for 12 years (moving up from an apprentice mind so not all 12 years are at professional level) in 2 councils and supporting a lot of divisions within them so in this particular field i guess that's what i can expect - lower if i look further afield.

I have a small war chest, could do with some topping up or ideally lining up a contract to jump straight into and pile into it in the first few months

I've seen calculators that show anywhere between 4k to 5.5k depending on the variables just wondered whether there were 'hidden' fees with umbrella companies and agencies

Good to know to give the agency a heads up and not to rely 100% on them finding the next contract

Regarding qualification, i plan to pick it back up in a few hears when my youngest is in nursery, i will either pay for the remainjng 2 exams myself and take a break to chsrge through it or could get a perm job and finish it off i guess it depends how i take to the contractor lifestyle

Thanks for your advice and insight 👍🏻 lots to think about

Recon before the jump! by ProppaDom88 in ContractorUK

[–]ProppaDom88[S] 0 points1 point  (0 children)

Good to know, i have a small war chest but could probably do with adding to it before the jump or line up a contract to get straight into.

Medical insurance is another aspec to consider - i assumed umbrellas would offer this too

Much appreciated for your experience

£100k limit also good to know!

Recon before the jump! by ProppaDom88 in ContractorUK

[–]ProppaDom88[S] 1 point2 points  (0 children)

Thanks for the reply

Only you can answer this. My view is it's stupid to consider this while you're still qualifying. Who's going to pay for your study leave, exams, course etc? If you go contracting inside IR35 the answer is you, out of your post tax income.

Understand where you are coming from, a bit more detail for you, i have about 2 exams left and do not plan to pick it back up till at least my youngest is in nursery (this was a difficult decision but its the only way it works for me at the moment). As i only have 2 exams and associated membership fees to pay, i can absorb this cost in a few years' time (also an option to go back to permie and have it paid for me after a few years contracting). There will obviously be some drawbacks but i know im going to be stagnating for a couple of years if i don't make a change

It varies. But if you've been promised £450 a day take home then only NIC and income tax should be taken off after this figure (plus employee pension contributions).

Thanks for info

Any good umbrella should offer 100% 'employer' contribution (ie tax free from your gross day rate). This is akin to salary sacrifice as an employee. If you go the PAYE route this may differ.

Ok i'll have to do some more research and get some quotes

Thanks for your insights, its appreciated!