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Recent content by davetza

  1. D

    A cautionary note on company Private Medical Insurance

    I also have income protection and it pays a fixed monthly sum you agree to when you take the policy. The higher the amount the higher the premium. it does not rely on salary or dividends and if structured properly you can put it through your company.
  2. D

    A cautionary note on company Private Medical Insurance

    They are two completely different products. One (hopefully) helps you getter better without using the NHS and the other gives you an income if you can't work because of sickness.For all my moaning about being missold the wrong type of PMI it is something that has basically saved my life. The NHS...
  3. D

    A cautionary note on company Private Medical Insurance

    I’ve seen this question come up on ContractorUK a few times, so thought I’d share my experience in case it helps someone else. I genuinely thought I’d done the right thing. I went through a broker and specifically asked about the differences between taking out private medical insurance...
  4. D

    Salary sacrifice pension overpayment

    This is the type of thing I always use ChatGPT for though p[lease always double check it. This is what it told me Options: Contact umbrella payroll immediately. Request confirmation of the total gross pension contributions made via salary sacrifice this tax year. Verify the excess against the...
  5. D

    State of the Market

    I appreciate that there is a wider downturn but there are still roles out there. I am about to move from one contract to another on a decent outside IR35 rate. Another programme awhere I was at got canned and the programme manager who was let go when that happened walked straight into another...
  6. D

    Contract without notice period on contractors side.

    I posed this question to ChatGPT and as I think it adds to the conversation I am posting it's response Your post raises some important points about contract structure and IR35 considerations. Here are a few thoughts: Mutuality of Obligation (MOO) Risk: The contract review flagging MOO as a...
  7. D

    State of the Market

    This does not make good reading. Roles are down 25% year on year and have been declining for the last 26 months. https://www.cityam.com/the-jobs-market-is-already-in-trouble-loading-employers-with-new-regulations-wont-help/
  8. D

    Moving on from InTouch (Brookson)

    I find the following LinkedIn feature always useful when looking at a company at it gives you an indication fo their health. Thisi is for InTouch
  9. D

    Client Meeting Ahead of Contract Review

    You need to start thinking like a business. On the other side of this, when I have engaged with vendors, I have had multiple sessions with them prior to a contract being signed or a PO being raised to clarify requirements and make sure the engagement process is smooth, if they did not engage...
  10. D

    Client Meeting Ahead of Contract Review

    I don't see an issue with doing this, especially if you don't have other work taking place at the moment. Just be open and honest and say you are happy to have the meeting to facilitate the onboarding process, but any start date is dependent on the due diligence you are currently doing on the...
  11. D

    BIK - Any benefits vs personal expenditure?

    It's not key person life cover. It's a relevant life cover, and it works exactly the same way as normal life cover in that your chosen beneficiary will get a pay out if you die. If you work through your own Ltd company and don't put life cover through your company (set up the right way) you are...
  12. D

    BIK - Any benefits vs personal expenditure?

    You can put life insurance through your company and not pay BIK, but it needs to be a certain type of life cover. Just Google "Relevant Life Insurance and Ltd company".
  13. D

    Paying VAT by Direct Debit Issue

    Please see the last post in this thread for more info on this...
  14. D

    Consultantcy via client changes start date less than 24 hrs notice

    I learned this the hard way. I had a contract that was ending soon as we were in the post go live support period so I started looking and found a new contract and had a counter-signed contract in my possession which stage I gave notice to my current client. A couple of days later the new...
  15. D

    Inexpensive copy of Windows or licence key

    Yes it was answered in another thread which can be a bit confusing.
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  1. Contracting
    1. General
      1. Brexit
    2. Business / Contracts
      1. Coronavirus Assistance
    3. Accounting / Legal
      1. Umbrella Companies
      2. HMRC Scheme Enquiries
      3. The Future of Contracting
      4. IR35 Reform
    4. Technical
    5. Welcome / FAQs
  2. Social
    1. Light Relief
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