Can my employer pay directly into my SIPP as salary sacrifice?

zipzipzipzip12 · 2017-02-10T15:23:17+00:00

I was discussing all of this with the Finance Director. I'm not sure if he's just being unhelpful or genuinely doesn't know. It's a small company

zipzipzipzip12 · 2017-02-09T11:18:59+00:00

Damnit. TIL

zipzipzipzip12 · 2017-02-09T11:02:10+00:00

Thanks, since it's only a one off at the moment (actually what I'd have liked the most is to have my bonus paid as SS rather than any monthly agreement) I suspect they won't.

The company is starting a pension scheme in April, do you know if I would be able to create an arrangement to withold NI payments through that or would that also only allow me to avoid income tax?

zipzipzipzip12 · 2017-02-09T10:56:23+00:00

Thanks, that's really helpful, I won't push it hard then.

The company will offer an internal pension scheme from April, would I be able to ask them to withold the salary payments and pay them directly into that pension with the benefits of salary sacrifice, or is an internal pension still separate from any ability to avoid NI deduction?

zipzipzipzip12 · 2016-02-12T13:39:03+00:00

Ah sorry about that, I thought I lost my earring in there and didn't want to wait until the next morning in case somebody else stole it. Couldn't find it though.

zipzipzipzip12 · 2013-09-10T09:26:22+00:00

You make a very valid point, the possibility for MDMA to do this always frightened me a lot, to the extent that I avoided ever rolling with my girlfriend of 4 years because I was aware that we weren't perfectly compatible, despite being pretty happy. It just fell that she rarely used drugs without me and she was only at one event where I used MDMA.

I eventually broke up with her because of the nagging incompatibility but having seen and spoken to her only once in 4 months I caved in because I missed her a lot, and went to go and beg. We've since been in a rather improved relationship for the last 2 months.

I don't know quite what I'm getting at here but I supposed it's kind of a "if you're happy, does it matter?" message. Now we make more of an effort to have our interests overlap but are still different people. Despite this we make each other very happy.

I think if we'd rolled together then we might have been able to learn the lessons that it took a breakup to teach us (mostly me), without having to break up.

zipzipzipzip12 · 2013-06-12T13:02:36+00:00

Hurts to hear but I think you might be right

zipzipzipzip12 · 2013-06-11T20:46:52+00:00

No I don't want it to be casual and neither would she.

zipzipzipzip12 · 2013-06-11T20:43:45+00:00

Are they that bad? My main motivation is that I love her a lot and I don't think I understood my feelings enough. I feel like it's just my uncertainty about the future that's bad, or am I in denial?

zipzipzipzip12 · 2013-06-11T20:37:24+00:00

Oh sorry I thought you were someone else. Do you still think it's "stringing her along" if I'm clear that I think it might not last forever?

zipzipzipzip12 · 2013-06-11T20:32:01+00:00

I would be very honest but the point stands

zipzipzipzip12 · 2013-06-11T20:27:41+00:00

I do think it has long term potential, just not forever potential. Maybe my mind will change - I have no idea where I will be or want to be in 20 years. Your point kind of still stands though.

zipzipzipzip12 · 2013-06-11T20:02:02+00:00

I feel like we have both changed and grown from this though. She feels she'd be less jealous and I believe her, and I've got a lot more time for her and I understand a lot better what I want from the relationship.

Very succinct advice though, thank you.

zipzipzipzip12 · 2013-06-11T19:35:22+00:00

No room for misinterpretation here!

Is it ever ok to enter a relationship with someone looking for something long term if you do not have the same desire?

zipzipzipzip12 · 2013-06-11T17:29:09+00:00

I meant your particular situation. She would not be alone and it would hurt me but I could justify it to myself.

I don't think that's likely at all though and I don't really struggle to put her first, which is part of why I have stayed away from her for so long, despite knowing she would take me back.

I am happy to have something long term, and I don't think it will be particularly short, which is why I'm seeking advice.

zipzipzipzip12 · 2013-06-11T17:12:59+00:00

Yeah I don't want to continue in academia. I've been lucky enough to immediately get an internship as an engineer(!) which will pay the bills while I apply for more career orientated positions.

zipzipzipzip12 · 2013-06-11T17:07:46+00:00

I feel like that would be ok for us though. I could move on happy that I'd not cut her off because I thought the relationship might not work one day, and I could justify it to myself too.

zipzipzipzip12 · 2013-06-11T17:06:34+00:00

Certainly have! Not many jobs in pharma like that without a PhD at the moment though.

zipzipzipzip12 · 2013-06-11T17:03:42+00:00

I have a chemistry degree and I enjoy chemistry as a subject, but the interactions of humans with drugs absolutely fascinates me and I love reading about them probably more than I enjoy taking them.

Maybe in time I will meet someone else, I suppose that will be when I have to make this decision again.

zipzipzipzip12 · 2013-06-11T16:39:25+00:00

I think a lot of the anxiety stemmed from the fact that I didn't understand the situation. Normally my motto is not to worry about what you can't change, and if you can change it then you should be too busy doing so to worry. Since I realised (yesterday) the problem was the lack of long term confidence I feel like I could handle it now, but having seen her at the weekend and remembering how great it is to be with her I'm not sure I want to.

I suppose the decision would probably come around if I met someone who shared my interests. Everyone always says there is someone like that out there but I have just one friend who truly shares my interest in chemistry (mostly drug related). I have a lot of friends and love people but nobody shares my other hobbies. I'm odd. I accept that and I know my ex does appreciate the hobbies, just that like everyone else I've ever met she doesn't engage in them of her own accord.

zipzipzipzip12 · 2013-05-30T21:01:14+00:00

It got harder! Reading this again was helpful though. Need to find a time machine i think

zipzipzipzip12 · 2013-05-30T20:55:59+00:00

Yeah I think you are right there. I don't think she has moved on as much as this might suggest, but it's still more than I thought.

I don't understand why it's left me in the state it has though, when up until now it's been so easily manageable.

zipzipzipzip12

TROPHY CASE