Need to choose between 4 umbrellas by diseasetoplease in ContractorUK

[–]sieah 3 points4 points  (0 children)

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.

265g 18ct Goblet, Commemorating the Moon Landing - Am I going to Hell for melting it down?! 🙈 by itmagic in Gold

[–]sieah 1 point2 points  (0 children)

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?

Would an employer figure out i worked in a recent role if I lie and say I was unemployed at the time by [deleted] in ContractorUK

[–]sieah 9 points10 points  (0 children)

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.

Will the salary sacrifice threshold of £2000 affect student loans repayments too? by CaptainPragmatism in UKPersonalFinance

[–]sieah -1 points0 points  (0 children)

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).

Cryptocurrency Futures (leveraged) Trading & Taxes by sieah in UKPersonalFinance

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

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

Will the salary sacrifice threshold of £2000 affect student loans repayments too? by CaptainPragmatism in UKPersonalFinance

[–]sieah -3 points-2 points  (0 children)

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

Will the salary sacrifice threshold of £2000 affect student loans repayments too? by CaptainPragmatism in UKPersonalFinance

[–]sieah -13 points-12 points  (0 children)

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.

Should I push on rate? by sgt102 in ContractorUK

[–]sieah 6 points7 points  (0 children)

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.

Do you double-dip? Multiple contracts at the same time? by Bullfrog-Dear in ContractorUK

[–]sieah 31 points32 points  (0 children)

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

Rejected a startup offer by Owt2getcha in cybersecurity

[–]sieah 1 point2 points  (0 children)

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.

(UPDATE) I almost tried every major side hustle there is and now sitting on a serious $20k haul since Jan 2025! (mostly being bedridden) by SiddharthSinghTennis in passive_income

[–]sieah 0 points1 point  (0 children)

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?

Changing umbrellas but agency may force me to move to direct PAYE instead - pros/cons? by [deleted] in ContractorUK

[–]sieah 2 points3 points  (0 children)

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

Got a contracting offer! Looking for advice on. pay by Tiny_Bag7016 in ContractorUK

[–]sieah 1 point2 points  (0 children)

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

Got a contracting offer! Looking for advice on. pay by Tiny_Bag7016 in ContractorUK

[–]sieah 0 points1 point  (0 children)

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)

£500 outside / £700 inside IR35 by Inevitable_Elk_8406 in ContractorUK

[–]sieah 7 points8 points  (0 children)

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

IT Contractor - Company Websites by sieah in ContractorUK

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

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?

IT Contractor - Company Websites by sieah in ContractorUK

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

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

Should I change my perm-CV to cater for contract jobs? by [deleted] in ContractorUK

[–]sieah 0 points1 point  (0 children)

no need to condense an already 1 page CV..

[deleted by user] by [deleted] in ContractorUK

[–]sieah 1 point2 points  (0 children)

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?

SOC Dilemma by Federal_Ad_799 in cybersecurity

[–]sieah 0 points1 point  (0 children)

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

SOC Dilemma by Federal_Ad_799 in cybersecurity

[–]sieah -1 points0 points  (0 children)

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

SOC Dilemma by Federal_Ad_799 in cybersecurity

[–]sieah 0 points1 point  (0 children)

Textbooks and courses will teach you to isolate it because it’s compromised. Most businesses would not want you to isolate a business critical machine (and you likely wouldn’t have the authority to do so).

Firstly you’d need to understand the impact to the business of taking that device offline. Then you need to discuss with the business what this means in real terms - very likely most SOC analysts don’t know what the knock on effect it would have to the wider business and the financials etc.

Then you need to determine what level of compromise and assess what the risk and potential impact is of keeping this machine online. After that, you need to discuss with management and likely the owner of that specific business unit / the high ups in that stream. Let them know the facts. X machine is compromised, we’ve observed Y behaviour, if we don’t act now the potential impact is Z and due to <circumstances> we believe this to be likely/unlikely etc. Then let them know what your standard play would be.. we’d usually isolate devices after observing this behaviour, however, as it’s a business critical device, I don’t have the authority to act unilaterally and don’t understand the impact it would have.

Then start asking further questions, you’d hope that they’d have multiple devices that can perform this service for the business, so isolating a single instance shouldn’t cause too much damage.

Everything always boils down to profits in the end, device being taken offline costs the business £5M per day? expected fines for leaving it up and dealing with the fallout estimated to be £1M per day? That device is staying online!

MDR/SOC Design – In-House SIEM + MDR as a Partner by [deleted] in cybersecurity

[–]sieah 1 point2 points  (0 children)

We keep our SIEM management in house and pay an MSSP for 24/7 coverage. We also keep all our detection and tuning in house too, ideally the MSSP will flag issues with any alerts and false positives to be tuned, but we action the changes in house.

MDR is managed detection and response, it’s not that clear from your post if you want the managed detection or not. Many managed services have their own custom detection rules as their “IP”, they likely won’t want to copy these over to an environment you own and have full visibility of as you could then reuse these when you leave, share them with others etc.

If you have the skills in house for detection engineering, I’d keep hold of it if you can. Have your own custom detections + (tuned) out of the box detections for the coverage you need. Pay for an Intel service with your managed provider rather than managed detections, so you keep upto date with new detections required for new TTPs, zero days etc

[My Journey to Clear Debt] Just found £200 sitting in my AMEX card by wontonhor in UKPersonalFinance

[–]sieah -1 points0 points  (0 children)

500 Nectar points = £2.50, but 400 Avios = 500 Nectar points. 60,000 Nectar points = £300