• Want to receive the latest contracting news and advice straight to your inbox? Sign up to the ContractorUK newsletter here. Every sign up will also be entered into a draw to WIN £100 Amazon vouchers!

Recent content by Ansel

  1. A

    Income Protection

    Interesting.. thanks ASB.. I'll look into that
  2. A

    Income Protection

    Yes he did say it should be written on "own occupation". So you're saying that e.g have policy 1 with a deferred period of 13 weeks, and policy 2 with a deferred period of 2 years. Sounds like these policies could be quite costly.
  3. A

    Income Protection

    :freaky:
  4. A

    Income Protection

    Yeah I'm very dubious about taking out this policy, as it does seem like something I'll never claim on... but it does make me a bit anxious that if I do some damage to myself where I can't be a programmer any more (and make the dosh we do), where will I get income like that from 'till I'm 60...
  5. A

    Income Protection

    Thanks Thunderlizard. Ardesco, what would you do if you (god forbid) lost your sight, what would you do for income?
  6. A

    Income Protection

    Hi People I just had a review with my financial advisor at HSBC and he's advising me to take out income protection. As a side, I already have life and critical illness cover which covers my mortgage. The premiums for £2k/month until I'm 60 (i.e. 28 years to go) are: Deferred for 13 weeks...
  7. A

    New contract - new set-up

    I found this on the PCG website.... Will an umbrella company protect me from IR35? No. Many agents believe working through an umbrella company in itself will protect you from IR35. IR35 status is determined by your working relationship with the agent and client and the contracts these...
  8. A

    New contract - new set-up

    Would you say old timers i.e. the more experienced contractors, are not likely to use umbrellas (cos they're supposedly wiser)?
  9. A

    New contract - new set-up

    Thanks for all your help. A lot of contractors (on this site) seem to be anti-umbrella. With a fair number of you contractors on this site I'd take that as the general opinion, so why are so many contractors with umbrellas? Are they just lazy a**ses?
  10. A

    New Contract

    Thanks Puss
  11. A

    New Contract

    Hey People Sorry to trouble you all, I've been giving myself a headache for a good week now. Through doing all this reading on this site, it's cleared some matters but raised others! To get to the point, I've a contract starting on 30th January. I'm struggling to decide between setting up a...
  12. A

    New contract - new set-up

    Thanks for the advice. So would you declare yourself as being inside or outside of IR35?
  13. A

    New contract - new set-up

    Hey People Sorry to trouble you all, I've been giving myself a headache for a good week now. Through doing all this reading on this site, it's cleared some matters but raised others! To get to the point, I've a contract starting on 30th January. I'm struggling to decide between setting up a...

Advertisers

Back
Top