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Recent content by Adlopa

  1. A

    Restrictive covenants -- from contractor to perm

    Makes sense. Not sure how it will work should MyCo cease trading, but I'll talk to Qdos when the time comes.
  2. A

    Restrictive covenants -- from contractor to perm

    When the agent called me to ask about extension news recently, they claimed to know nothing about the termination -- 'we've heard nothing from the client'... Since I had already discussed this the agent them around the last extension three months or so ago (when it was known that that would...
  3. A

    Restrictive covenants -- from contractor to perm

    Yeah, as mentioned in a separate related thread, I'll be leaving my Ltd as-is for at least 6 months as a potential escape route and then assess whether I'm likely to be able to stick at being permanent for at least another 2 years before winding it up in some way.
  4. A

    Restrictive covenants -- from contractor to perm

    I've been offered a perm position at a client I've been contracting at – contractors are being phased out in favour of perms (they've now all been dropped from the department I was working in). My contract contains the usual covenant -- essentially "three months either directly or indirectly...
  5. A

    Going perm - what to do with distributable income?

    Ah, I get it now. Thanks for illuminating that point.
  6. A

    Going perm - what to do with distributable income?

    I meant rather than new income taken as dividends through another Ltd company (avoidance?). While there's no tax advantage to operating as a sole trader (quite the reverse), I guess there is in winding up the company rather than continuing to operate it in a much reduced fashion –*though maybe...
  7. A

    Going perm - what to do with distributable income?

    Unless I'm missing something, wouldn't this be a case of just using the current £2k annual dividend allowance? It would take some time to draw the whole lot that way... Would this be the case even though all of this additional sole-trader income would be declared and therefore taxed at the...
  8. A

    Going perm - what to do with distributable income?

    I've been made a perm offer I'm thinking of taking, but while I'll no longer be contracting if I do, I/the business will still service a few freelance clients until at least the end of the tax year -- just in case things don't work out and to fulfil various obligations. The problem (if you can...
  9. A

    Freeagent HSBC Feed

    Yep, tried that with no success. The manual date entry also made me twitchy (correctly, or not) about pulling duplicate transactions on end dates, but the direct feed discovery negated all of that.
  10. A

    Freeagent HSBC Feed

    FreeAgent now supports a direct feed from NatWest – no Yodlee scraping required. Can't remember the details after enabling it a couple of weeks ago, but it's working faultlessly so far. The same can't be said about NW's transaction download, which has been giving a date error with the 'Since...
  11. A

    What does a pensions IFA do for an ongoing fee?

    Hm, that's all pretty much what I figured. Given that the ongoing maintenance (and even the initial rejiggery) is so straightforward now, ongoing IFA fees do seem be largely pointless. Thanks, all.
  12. A

    What does a pensions IFA do for an ongoing fee?

    My wife moved her private pension a short while ago, using an IFA recommended by a friend. All fine and above board. The pension is a 'balanced risk' portfolio with a fund manager charge of 0.95% and a 'provider' charge of 0.25%. That seems a little high compared to the charges for my...
  13. A

    Freelancer Payment Terms??

    Yep, I have similar experiences. This is for £4k and while the money isn't a problem for cashflow purposes (and I don't doubt it will be paid eventually), the principle is – this was for a series of work all briefed at the last minute with a tight turnaround. And the client wanted a trade...
  14. A

    Freelancer Payment Terms??

    If you mean 'freelancing' rather than contracting, then good luck getting paid in anything like a timely fashion. I have invoices approaching 3 months late with one major international client, which is far from a record.
  15. A

    New to car leasing – any catches here?

    I'm not really interested in anything particularly 'exciting' -- more practical and with lots of room. I've looked at the total cost of the lease (inc VAT) and am using that as a basis for comparison for all deals, all in a fat spreadsheet. Why does the up-front cost make a difference, for...
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  1. Contracting
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      1. Umbrella Companies
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    5. Welcome / FAQs
  2. Social
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