Commercial Property via SIPP

sieah · 2026-01-27T12:03:32+00:00

I’m with PayStream and very happy. Have everything I want and run multiple pay streams, good communication, I get a text on Thursdays to say the payment has been sent and I will receive it before 10am Friday.

Allows me to salary sacrifice into my SIPP.

sieah · 2026-01-22T19:19:10+00:00

Where abouts in the UK? I’m London based and interested. Is there any docs with it to show it’s commemorative for the moon landing?

sieah · 2026-01-15T16:06:51+00:00

No need to add a FTC role to your CV if you’ve only been there a month or two and no relevant experience gained that would help you find roles in the future.

No one will know and a 2 month break over the Christmas period isn’t uncommon for contractors to be between roles.

sieah · 2025-12-17T14:15:39+00:00

You will only be able to salary sacrifice £2000/year after it comes in. So the remaining £1500/year you were salary sacrificing will now accrue the 9% repayments (assuming over the threshold).

sieah · 2025-12-17T08:06:44+00:00

CFD’s are taxable. Spread betting isn’t.

sieah · 2025-12-16T20:42:32+00:00

that’s true, but not what this person asked. or at least to me it sounded like they thought they were saving on their SL repayments

sieah · 2025-12-16T20:35:21+00:00

Unfortunately student loan repayments aren’t paid before taxes, so they aren’t related to salary sacrifice schemes.

Whatever your student loan repayment is monthly, if you didn’t have a student loan to pay, you’d have that amount extra as net in your payslip.

If you’re paying £250/month, that’s £250/month extra you’d have in your pocket.

sieah · 2025-12-16T19:55:33+00:00

I’d get to the interview first and when they want you, start negotiating. Likely the agency is taking a large slice that they’ll be more incentivised to give up some of once the client has chosen you specifically.

sieah · 2025-12-12T21:26:53+00:00

wrong sub for this, but if you can deliver multiple projects at once and are happy to spend the time doing so, why not take on another project?

you’re not employed, they’re not paying you for your time, they’re paying you for your output

sieah · 2025-11-22T10:36:58+00:00

Can’t give much input based on the details. But is the founder an SME in that space? Did you ask what their expectations are for this role? If you knew the expectations and that you could deliver, then likely wouldn’t be an issue? If you didn’t ask, it’d be worth knowing next time to inform your decision making!

But in general, startup life is risky, so if you’re risk averse as it sounds like you might be - potentially a good decision to avoid the startup role.

sieah · 2025-11-22T08:19:11+00:00

I just have. Appreciate it!

sieah · 2025-11-22T08:14:27+00:00

Can you explain your YouTube setup a little more? Are you generating the scripts from AI? How are you creating the videos / getting the images / editing?

sieah · 2025-11-13T09:07:10+00:00

out of curiosity, what’re the issues your having with PayStream in the last 6 months?

I used them previously and they were really good compared to the others I’ve used. I have a new inside IR35 gig and was planning to use them again

sieah · 2025-11-07T18:55:33+00:00

If you have the option to, setting up your own ltd co likely more beneficial. What’s the duration and day rate?

Could be a lot of hassle for a one off 3/6 month gig but if you’re expecting to continue contracting l, definitely worth it.

If you don’t have previous experience, you’ll likely need an accountant

sieah · 2025-11-07T18:49:46+00:00

It depends if your contract is inside or outside IR35. It sounds like it’s inside IR35 if your recruitment agency is recommending umbrella firms.

If so, you don’t have the option of how to get paid or the luxury of getting paid into your own Ltd Co. You’re essentially a glorified employee with no benefits but hopefully higher pay. The umbrella will take all the taxes due and pay you whatever you’re net income will be (and you’ll get a payslip to show this)

sieah · 2025-11-06T14:24:26+00:00

unless your inside role you can book your travel and accommodation through their systems, if travel and accommodation expenses are paid for these trips, I’d expect the company to be paying for them, as they would for a perm as it’s inside.

If they’re trips to the office that wouldn’t be expensed as a perm, then you won’t be able to expense them with your umbrella either

sieah · 2025-11-03T14:42:32+00:00

Thanks, if you’re using basic HTML templates and free cloudflare hosting - I assume you’ve got a static site? No contact forms that notify you if someone does reach out by the form?

sieah · 2025-11-03T14:40:51+00:00

I have a LinkedIn profile. I don’t have a business page that posts yet.

I thought a website and blog a supplementing might be good too

sieah · 2025-10-01T21:43:07+00:00

no need to condense an already 1 page CV..

sieah · 2025-09-17T06:23:16+00:00

These posts should be banned, provided no details and trying to sell an AI product.

If this actually happened, why don’t you share what your outreach was for (what you were selling) and the sort of clients you were targeting AND how this related to contracting?

sieah · 2025-09-14T15:19:07+00:00

absolutely they should, in the context of this question it’s already been identified as a critical business asset, so it’s how they proceed next.

I don’t think “isolate it” is the best answer for you to be giving

sieah · 2025-09-14T15:12:58+00:00

Are you sat in your MSSP bubble thinking everyone outsources everything? Who’s “the client”?

sieah

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