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Recent content by measterbrook

  1. M

    WFH is going to be interesting when this all calms down

    "It Depends" "It Depends" The "it depends" is the key. Some face to face is very beneficial, but does not have to be very often. Back in the 1980s I worked on a joint UK-US team. Anyone joining the team spent 2 weeks in the other office to get to know the people there, after which remote...
  2. M

    Newbie Questions

    Question 2: Do you mean your limited company has an extension until June, or that you have an extension until June. If your limited company, then your limited company invoices the client and the client pays the limited company. If you have an extension, then the limited company is not involved...
  3. M

    Working a full-time contract on the side while permie

    I have difficultly finding enough time for 1 client. I have negotiated my current client down to 4 days and even then I am finding it difficult to fit in all the non-work stuff. The previous client was 3 days and that worked well. But 5 days of 2 clients - no way - I need at least a few hours...
  4. M

    £1k pa saving from using a Limited Company inside IR35?

    Umbrella and LtdCo are completely different legal and accounting entities that differ by a lot more than just costs. You can pay less with a LtdCo if you can do all the accounts yourself, however, if you were able to do this you wouldn't need to ask the question. LtdCo is probably more expensive...
  5. M

    JSA umbrella and Aegon pension

    The client decided that the new rules were a risk so just blanket banned LtdCo contractors. Some contractors requested IR35 determination and were outside, which meant they might be able to claim expenses through an umbrella company, but the blanket ban was an operating business decision and...
  6. M

    JSA umbrella and Aegon pension

    Tell them you want to pay one-off variable payments into the pension by bank transfer. JSA paid by bank transfer to Aegon. Now I have switched providers and they pay by bank transfer to Fidelity (SIPP). Pension companies seem to only allow fixed amounts by direct debit for a monthly scheme...
  7. M

    Newbie to Umbrella

    From going though the same process I found that, after eliminating those with unrealistic take home pay adverts, there is only very minor differences between them except for the salary sacrifice into pension where they differ considerable and it is difficult to get the information without asking...
  8. M

    Umbrella companies and pension providers

    For pension contributions contribution limits, it is the day it is paid to the pension provider, not the date of the payroll. This may be an issue for Umbrella company "employees" if they roll up all pensions in payslips over a month and pay sometime in the first week of the following month...
  9. M

    JSA umbrella and Aegon pension

    No, they banned LtdCo and requested Umbrella at the same rate. I walked. So did too many others. Two months down the line they had been forced to allow home working by Covid and offered an increased rate - I accepted on the condition of home working mornings only. It would be difficult to show...
  10. M

    JSA umbrella and Aegon pension

    Not at the same time. I switched pension providers during my "employment"* with JSA. However, there is nothing legally that prevents contributing to 2 pension schemes, but umbrella companies seem to have a problem with just one, so I wouldn't try getting them to do 2 at the same time. Actually...
  11. M

    JSA umbrella and Aegon pension

    JSA are paying into my Fidelity SIPP without a problem. I know other contractors with JSA using other pension providers. I need to know if anyone is using JSA+Aegon. I suspect not otherwise I would not be having a problem, but I thought it would be worth asking.
  12. M

    JSA umbrella and Aegon pension

    Unfortunately they are not giving me the same story.
  13. M

    JSA umbrella and Aegon pension

    Is anyone here using JSA Umbrella and is paying via salary sacrifice into an Aegon pension? I want to check if what JSA and Aegon are telling me is correct. This is an issue only related to JSA and Aegon.
  14. M

    Agency have put wrong daily rate on contract and have only just noticed...2 months in

    Point out the mistake. Ask them to send you a corrected contract for signing. Issue the agency with a credit note for the overpayment so far. At renewal you know their margin so you can bargain hard.
  15. M

    Dear USA today is 9/11

    I assume you are referring to Kristallnacht and not the opening of the Wall. It is an unfortunate coincidence that Trump is elected on the anniversary of Kristallnacht.
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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
    2. Social / Events
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