SJD accountancy

[marcosscriven]

Succint!

Unpleasantly rude and uncalled for

[simondolan]

Hi,

Its not that it takes 48 hours to "pick a name" - it takes a fair amount of time to get the file set up, and of course it is unusually busy at the moment because of the collapse of the MSC providers.

As I say, if you have any urgent queries please do feel free to mail me or pick up the phone and I'd be happy to help.

Thank you Simon

According to 'malvolio' though your services are not for me...

If they are, then all I was trying to point out was that 48 hours does seem quite a bit of time before anything at all is done.

I called on Friday afternoon, signed up online Monday morning. I called this Tuesday afternoon and they just said they would take a message.

My concern is that if it takes 2 days to essentially pick a name from a local office, could that not be indicative that it could take even longer to answer questions in the future, when one may require an urgent answer.

My post was to query people's real experiences with SJD, and also to clarify the situation with projecting 'in pocket' figures (which is a 'newbie' or 'unprofessional' thing to want to do, apparently).

It does not seem to have been met kindly by some!

[scooterscot]

Of course, one decides as director how much you pay yourself.

I am simply trying to determine, if I were to take out all the income from the company, either as PAYE or dividends, what would be the maximum left after all corportate and personal taxes.

That's all - why is that so unreasonable?

I know that one can leave money in the company. I know the one can vary PAYE and dividends payments.

I just don't know what is the maximum I could get in my pocket, for a given projected annual turnover.

Why so agressive for goodness' sake?

I don’t think Mal is being unreasonable marcosscriven and I'm not trying to take sides with anyone but your questions are easily answered on a spreadsheet with half an hour's patience, then you’ll be able to understand the difference.

Someone once said: tell me and I’ll hear, show me and I’ll see, involve me and I will understand

At some point you will actually have to do the work yourself!

[marcosscriven]

Hi,

Its not that it takes 48 hours to "pick a name" - it takes a fair amount of time to get the file set up, and of course it is unusually busy at the moment because of the collapse of the MSC providers.

As I say, if you have any urgent queries please do feel free to mail me or pick up the phone and I'd be happy to help.

The form I filled in was this:


I still don't see how it could take any time at all to set up a file, given the little info in that form? With the right IT systems it should just be the press of a button, at that early stage?

[marcosscriven]

I don’t think Mal is being unreasonable marcosscriven and I'm not trying to take sides with anyone but your questions are easily answered on a spreadsheet with half an hour's patience, then you’ll be able to understand the difference.

Someone once said: tell me and I’ll hear, show me and I’ll see, involve me and I will understand

I just asked two questions Scooter - what are peoples experience with SJD, and why do I get such different figures from their calculator compared to their table?

I'm an not going to be able to answer either of those questions with a spreadsheet am I, since I am not SJD, I didn't design their webpages or calculators, and I have no previous experience with SJD.

So in addition to being a 'newbie', being 'unprofessional', I'm now 'impatient' too? And what's Mal exactly? The epitome of reasoned debate and patient helpfulness?

[malvolio]

Of course, one decides as director how much you pay yourself.

I am simply trying to determine, if I were to take out all the income from the company, either as PAYE or dividends, what would be the maximum left after all corportate and personal taxes.

That's all - why is that so unreasonable?

I know that one can leave money in the company. I know the one can vary PAYE and dividends payments.

I just don't know what is the maximum I could get in my pocket, for a given projected annual turnover.

Why so agressive for goodness' sake?

I'm not agressive, I'm treating you like someone who has leaped into a whole new pond from their cosy world of MSC-pretend-contractordom without thinking about what they are getting into. If you can't see that there aren 't any black-and-white answers to your questions, for instance, you're in the wrong pond.

You are no longer in a world of people doing it all for you and sending you some of your own money every month without you doing anything. You have to make your own decisions now - welcome to the real world.

The real answer is tell your accountant how much you want net each month (or each quarter is more sensible) as salary and they will sort out the payroll side. It's up to you how much you want to take as divis, and that is dependent on how much profit you have or are likely to make. It is not linear, and the accountant can only suggest answers to that one. But first you'd better learn damn quick how your company and your personal taxation interrelate, or you will get a nasty surpsrise in about 10 months time.

[marcosscriven]

I'm not agressive, I'm treating you like someone who has leaped into a whole new pond from their cosy world of MSC-pretend-contractordom without thinking about what they are getting into. If you can't see that there aren 't any black-and-white answers to your questions, for instance, you're in the wrong pond.

You are no longer in a world of people doing it all for you and sending you some of your own money every month without you doing anything. You have to make your own decisions now - welcome to the real world.

The real answer is tell your accountant how much you want net each month (or each quarter is more sensible) as salary and they will sort out the payroll side. It's up to you how much you want to take as divis, and that is dependent on how much profit you have or are likely to make. It is not linear, and the accountant can only suggest answers to that one. But first you'd better learn damn quick how your company and your personal taxation interrelate, or you will get a nasty surpsrise in about 10 months time.

I don't know how on Earth you can claim your responses were not rude or aggressive.

And I would ask my accountant Mal, just as soon as one responds to me signing up - hence the initial thread questions.

[marcosscriven]

I'm not agressive, I'm treating you like someone who has leaped into a whole new pond from their cosy world of MSC-pretend-contractordom without thinking about what they are getting into. If you can't see that there aren 't any black-and-white answers to your questions, for instance, you're in the wrong pond.

You are no longer in a world of people doing it all for you and sending you some of your own money every month without you doing anything. You have to make your own decisions now - welcome to the real world.

The real answer is tell your accountant how much you want net each month (or each quarter is more sensible) as salary and they will sort out the payroll side. It's up to you how much you want to take as divis, and that is dependent on how much profit you have or are likely to make. It is not linear, and the accountant can only suggest answers to that one. But first you'd better learn damn quick how your company and your personal taxation interrelate, or you will get a nasty surpsrise in about 10 months time.

I don't know how on Earth you can claim your responses were not rude or aggressive. I *have* been looking how personal and company taxation interrelate - I was simply asking why SJD have such different values? Why have their calculators at all then?

And I would ask my accountant Mal, just as soon as one responds to me signing up - hence the initial thread questions.

[scooterscot]

I just asked two questions Scooter - what are peoples experience with SJD, and why do I get such different figures from their calculator compared to their table?

I'm an not going to be able to answer either of those questions with a spreadsheet am I, since I am not SJD, I didn't design their webpages or calculators, and I have no previous experience with SJD.

So in addition to being a 'newbie', being 'unprofessional', I'm now 'impatient' too? And what's Mal exactly? The epitome of reasoned debate and patient helpfulness?

Your lucky I was born with a little more tolerance than yourself…

Look at the SJD website download the guide it tells you how it’s all calculated, type your number in the spreadsheet and lo and behold the numbers will appear before you. You can do this in 60 seconds.

No one calculator can be made to provide ‘the answer’ individual circumstances will determine what your take home is…

Try directing your energy into reading instead of ranting

[marcosscriven]

Your lucky I was born with a little more tolerance than yourself…

Look at the SJD website download the guide it tells you how it’s all calculated, type your number in the spreadsheet and lo and behold the numbers will appear before you. You can do this in 60 seconds.

No one calculator can be made to provide ‘the answer’ individual circumstances will determine what your take home is…

Try directing your energy into reading instead of ranting

Scootscot - you're not the one being called 'newbiew', 'unprofessional', and 'impatient' are you? What have I done or said to you that would require tolerance?

And how tolerant should one be to such aggression?

Finally, perhaps you could just kindly post me the URL for that spreadsheet - I had not seen it on the SJD website? But it seems more likely that you will just hurl more abuse my way