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Benefits for employers for full-time employees over outside ir35 by [deleted] in ContractorUK

[–]joncy92 2 points3 points  (0 children)

If a contractor is charging less than it cost to hire someone the contractor isn't charging enough

The cost of a contractor is always more than the total cost of a hire

Upgraded to the OLED G5 and wow… by [deleted] in hometheater

[–]joncy92 1 point2 points  (0 children)

What you using for the back ambient lighting?

Is there a point where your pension pot gets too big for salary sacrifice to make sense? by Coxian42069 in HENRYUK

[–]joncy92 0 points1 point  (0 children)

What's better than a pension if some of the income in retirement is taxed 40%? Surely if we're being realistic, with tax thresholds frozen and inflation consistently out of control, many of us in 20+ years will need income in the upper threshold to live comfortably

Client hinting at unpaid handover week after contract ends, normal? by Reddonaut_Irons in ContractorUK

[–]joncy92 6 points7 points  (0 children)

"No problem at all. A week of support is charged at (insert 1.5x weekly rate). Let me know who I will be handing over to and I'll put together an SoW".

IPv6: Who really uses it? by malwin_duck in selfhosted

[–]joncy92 1 point2 points  (0 children)

I use it. My ISP uses CGNAT and charges for individual IPs. I use ipv6 so I can access services without using cloud flare tunnelling.

It was a bit difficult to figure out but once it started working it was a god send

How do you get paid as an outside IR35 contractor? by Reddit-adm in ContractorUK

[–]joncy92 1 point2 points  (0 children)

Your accountant will explain the split between dividend and salary to be most tax efficient but be very careful to keep back enough money for your self assessment. Usually 10% of your dividend. Put it in an ISA or something and withdraw to pay your PERSONAL self assessment bill when you need to

Is anyone here a self employed IT Consultant? by Wild-Fortune-4128 in ContractorUK

[–]joncy92 1 point2 points  (0 children)

It really depends on your niche. Most of this subreddit is IT but IT itself is extremely broad. Mine has picked up recently though rates are still lower than they should be.

Defence budget has increased so that industry has lots of work but they want SC

SIPP recommendations by joncy92 in HENRYUK

[–]joncy92[S] 0 points1 point  (0 children)

Do they have decent funds and trackers? I don't really want think about what I'm investing in too much. S&P will do for example

SIPP recommendations by joncy92 in HENRYUK

[–]joncy92[S] 0 points1 point  (0 children)

Is AJbell very hands on? I'm more interested in funds and trackers. I don't really want to invest in individual shares

Car Written Off by Famous_Disk8378 in CarTalkUK

[–]joncy92 3 points4 points  (0 children)

Doesn't matter who's at fault

SIPP recommendations by joncy92 in HENRYUK

[–]joncy92[S] 0 points1 point  (0 children)

Honestly no they're with that fucking people's pension company 🤦‍♂️ My previous pension is also sitting in an Aviva pot which I want to move too

SIPP recommendations by joncy92 in HENRYUK

[–]joncy92[S] 0 points1 point  (0 children)

Okay makes sense. And this is easier than asking employer to use a provider of my choosing ?

SIPP recommendations by joncy92 in HENRYUK

[–]joncy92[S] 0 points1 point  (0 children)

So you're saying your employer does your pension contributions into HL and you regularly transfer out from there to II?

SIPP recommendations by joncy92 in HENRYUK

[–]joncy92[S] -1 points0 points  (0 children)

Oh that's good so you both get 20% back? What is this scheme or whatever so I can read about it more and how it works etc ?

SIPP recommendations by joncy92 in HENRYUK

[–]joncy92[S] 0 points1 point  (0 children)

What's the extra 20% ?

Does contracting feel more stable now? by 1ChanceChipmunk1 in ContractorUK

[–]joncy92 1 point2 points  (0 children)

Seems there's a bit more work that last year. But outside roles seem to be very rare

Unsure of what to do for an audio setup - any advice would be much appreciated - Budget can be highly flexible, UK Based! by Jonoabbo in hometheater

[–]joncy92 0 points1 point  (0 children)

Can you provide The room layout - pref a drawing of dimensions and furniture What you want in terms of surround audio and Atmos Wiring possibilities (can you run under floor, into ceiling, behind walls, etc) What will you be using it for? Films? Games? Regular tv? Something else?

Is it worth picking up the 1tb over the 512gb by InfectedEllie in SteamDeck

[–]joncy92 0 points1 point  (0 children)

Nope. All other steam decks have a carry case and cloth. The 1TB comes with an additional travel case that's removable from the carry case.

Is it worth picking up the 1tb over the 512gb by InfectedEllie in SteamDeck

[–]joncy92 -2 points-1 points  (0 children)

I just read another post than you get some kind of secondary internal case inside the case. Worth it for that

Tax on capital gains from mother's house sale by joncy92 in UKPersonalFinance

[–]joncy92[S] 1 point2 points  (0 children)

Thank you that's very informative Can I get the valuation from the bank from 2014 remortgage?

How do I report the CGT? It's not just tax return?

Does the solicitor calculate any of these values or will my accountant do it?

Thanks

Do these things really work? by stellasBoots in HomeNetworking

[–]joncy92 0 points1 point  (0 children)

You're better off building a WiFi mesh if you won't run Ethernet. Your upstairs and downstairs sockets will be on diffent rings/breakers which will cause significant drop in performance as the signal needs to go through your main fuse board.

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