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[malvolio]

I did read the OP and I did understand the question. The answer remains "no" if only because the BIK is still due personally and the cost will be in the same ball park. Of course you might find a difference price between a personal life assurance policy and a commercial one through the business...

[malvolio]

Does IPSE still have a library of contract templates?

[malvolio]

OK, but how does that escape a BIK charge, since clearly it is not a business expense...? Also remembering that a director is not an employee, if that has any impact....

[malvolio]

Also worth noting that the "Key Person" life cover is not directly comparable to life insurance, in that it is protecting the company from the loss of a key worker, not the life of a named individual. It may be a difference without distinction, but it would be as well to check that both do...

[malvolio]

Quick answer? No to both...

Basically both fail the "wholly and exclusively" test. As your accountant says, doesn't matter who pays for it, the tax liability is yours personally.

[malvolio]

Yes, to which Labour's plan seem to be making employing people and utilising the flexible workforce even more risky, difficult and expensive, so such work will go offshore. Clever, isn't it......

[malvolio]

"My Lot"? How many times do I have to say that I have no faith in "my lot" in its current iteration. They are a waste of time.

Equally, we are about to replace them with something infinitely worse - on past history at least - with no idea what they represent other than...

[malvolio]

And that letter was saying something that was entirely wrong and irrelevant to the debate in question. Regardless of who wrote it.

Still, if you can't understand the thrust of the problem with Rayner, or insist that only your perspective is the right one, then there's no point discussing...

[malvolio]

You need to widen your reading. X and TikTok are a bit limiting....

[malvolio]

Yet again, missing the whole point. It's not about her background, or anyone else's.

Were Rayner commenting on anyone else facing the same as yet unproven accusations, she would again be screaming that they resign....

[malvolio]

I said "some commentators", aka full time contractors several of whom I know personally - on LinkedIn among others. I'm not that interested myself in anything other than a general way, an as eek says have little real visibility of the problem.

Truss you may remember, was going...

[malvolio]

Because according to some commentators, because OPW is driving companies to move to FTCs rather than risk using contractors.

As you say I'm out if the game, so perhaps take a wider perspective......

[malvolio]

No and as far as we are concerned that is directly down to the off payroll rules as presently defined distorting the market for freelance workers. It remains to be seen if the latest amendment to taxation make a difference.

Our economy isn't good, but it is better than an awful lot of...

[malvolio]

If you look at the actual numbers, the British economy is actually in fairly good shape compared to, let's say, Germany and France. Truss's "crashing" has been more than corrected.

Of course, the carryover from that "crash" are still with us in terms of the cost of living...

[malvolio]

There's lots on Starmer from never-ending U-turns, constant inaccurate claims like "crashed the economy" in the face of evidence to the contrary (even the IMF is offering some now) no clarity on his overall objectives and even his very own lockdown party. Nobody seems to be very interested...

[malvolio]

I don't remember where I read it, but it wasn't made up.

That is, however, not the whole point of the discussion. Do we want a potential deputy PM who thinks they don't have to tell the truth. That is the question......

[malvolio]

Ho hum...

From today's BBC news

[malvolio]

No evidence you would accept perhaps.

BBC reported 12 days back that Manchester police found no evidence of wrongdoing. That was challenged by an MP and they are re-examining the case. The MoS has solid evidence if her actual position which varies from her stated position and makes the...

[malvolio]

You got the point. Well done...

Starmer continues to offer integrity and honesty. Not looking good so far....

[malvolio]

You miss the point. Its not about tax its about hypocrisy. Or doesn't that matter any more? Dunno about you but I'm peed off with politicians who say anything to avoid being held to account. You want to govern me... then be f***ing honest about your actions....