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Recent content by Mose
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M
Bank account with bad credit
Natwest are a good place to start, they are one of the few who plainly advertise. RBS used to be helpful, the deals move I think, try the startup forums I suppose. The small credit unions used to be helpful to guys like the OP if they are members already. Semitic banks and islamic banks are both...- Mose
- Post #11
- Forum: Accounting / Legal
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M
Bank account with bad credit
Pretty much all banks have the option to give you a basic bank account regardless of credit history, although it's extremely rare they advertise them. Often staff will not know they can use a different form, so ask for the manger. You mostly need to apply in person and apply for the basic...- Mose
- Post #9
- Forum: Accounting / Legal
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M
Do you earn a lot but chose to work through an umbrella?
EscapeUK – I’ll be careful with my words to make sure this isn’t personal so as not to upset moderators and your mates. You came into this thread and set up a false dichotomy which is inherently wrong – the fact that a spread of options exist to match a spread of personal requirements is not up...- Mose
- Post #37
- Forum: Business / Contracts
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M
Do you earn a lot but chose to work through an umbrella?
ITT: Original question: So a fair question on why someone might accept a lower retention that the theoretical legal max. Followed by some good general points from people, and a good post from Chef adding more potential insights. Then my simple post: Not at all suggesting that you don’t...- Mose
- Post #33
- Forum: Business / Contracts
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M
Do you earn a lot but chose to work through an umbrella?
Wut? I didn't put up any sums. The really super experienced guy who would know as he has amassed over 4 solid years in the seat, including over a year with an umbrella company, put up the apparently in depth detailed analysis of my finances... I don't know why they bother keeping this forum...- Mose
- Post #26
- Forum: Business / Contracts
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M
Do you earn a lot but chose to work through an umbrella?
what a mental post! What exactly is your point????- Mose
- Post #22
- Forum: Business / Contracts
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M
Do you earn a lot but chose to work through an umbrella?
It’s probably a few grand a year. No real way of being accurate as running through a brolly is absolute whereas you can’t lock down a ltd co to a set retention figure so easily.- Mose
- Post #16
- Forum: Business / Contracts
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M
Do you earn a lot but chose to work through an umbrella?
Yeah, I'm on a high rate and choose to run through an umbrella. There are many small reasons but the only one that matters is that the difference in income is less than I consider the additional work to be. I don't begrudge them their fees at all, I'm happy to pay it for the entirely stress free...- Mose
- Post #12
- Forum: Business / Contracts
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M
Negotiating Payment Terms
I don't think it's at all wise to be dishonest about conditions to start a negotiation. If you have reasons (insurance or anything else) why those terms are unacceptable simply say they are unworkable. I wouldn't work on terms that long, it's unfair. I'd either walk away or request they cover...- Mose
- Post #4
- Forum: Business / Contracts
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M
Working slowly to justify your position
We know all we need to know - you've a face like a bag of smashed crabs, you smell like bigfoot's dick and your work ethic sucks balls. Seriously though, work to the best of your ability and ride a good reputation into a more engaging career. These small mindless games are a poor show and a... -
M
Working slowly to justify your position
^ this. Seeing the old contractor cliches come out on here is a poor reflection on the industry, although nice to see the good guys talking sense. -
M
Working slowly to justify your position
Pathetic behavior. Do you not hope for something more from life and your career? -
M
Financing a Plan B
If you are expecting loss or intend to engineer it into a plan, a holding company arrangement can be very attractive with 51% ownership to lessen tax on the currently profitable area.- Mose
- Post #2
- Forum: Business / Contracts
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M
Contract negotiation
this really. Be polite and profesional through the interview process, but play your cards close to your chest. Once an offer is made and you have a better idea on the conditions it is the proper time to firmly negotiate payment and additional conditions.- Mose
- Post #6
- Forum: Business / Contracts
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M
plenty of bobs from here
Next time leave my beers in the fridge alone! That was not in the contract! Typical agent. Is your 1500% cut not enough? Still, Progressive are worse.
