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Recent content by nigelbb

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    NHS Cyber attack!

    There are two issues here. The immediate one is that the IT departments of many NHS Trusts had not applied the available patches. This is negligence on a colossal scale & heads should roll. The second more strategic issue is using general purpose Windows computers & mixing up essential...
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    Claiming accomodation Mon-Fri, live permanently with parents 300 miles away

    Isn't 'studio flat' just a posh name for a bedsit?
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    Claiming accomodation Mon-Fri, live permanently with parents 300 miles away

    It's all going to depend on the supply of local housing isn't it? In most towns & cities a typical one bed property is going to be a pretty crummy bedsit. It goes beyond the number of bedrooms. It's all but impossible to find a one bed property with a kitchen, bathroom & living room. Why should...
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    Business bank account for someone with poor credit history and/or CCJ's?

    CCJs only stay on the Register of Judgments for 6 years so will drop off your credit history after that time. This is in line with the general principle that debts older than 6 years are unenforceable so defaults on credit cards etc also drop off your credit history after 6 years. What the Co-op...
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    The rise of the Gig economy

    Time was when a permanent job was a job for life if you chose to stay. Twenty or thirty years ago it would have been inconceivable that teachers or doctors or nurses would be laid off. Nowadays the employment landscape is very different & no job is secure.
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    Switching bank accounts

    It actually arrives after close of business on the next business day. So in my example a transfer made on Friday evening will take until Tuesday evening to arrive which is four whole days. What business days have to do with anything when it's all done electronically now I can't imagine other...
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    Switching bank accounts

    It's Saturday morning & I would like to transfer some money from my Cater Allen business account to my private account & from past experience it won't arrive until next Wednesday. It could be worse it could be Friday evening & I would have to wait nearly five days.
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    Stung on vat??!!

    I could understand how you might not notice if you slipped over the threshold by a couple of thousand although if I were near the threshold I would be keeping a very close eye on it. However I cannot understand how you could not notice that you were £23K over as that's about an extra £2K per...
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    Switching bank accounts

    How could businessman be so stupid as not to seek advice when it's available? Thank goodness there are some people on this forum who are prepared to share rather than just being snotty.
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    Switching bank accounts

    I too would like to hear any experiences. I am in two minds on whether I should switch & whether it's a hassle or not might sway me. I am with Cater Allen (foisted on me by my original accountant) & while it's nice being able to ring & quickly speak to a native English speaker I don't want or...
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    Accomodation expenses

    I have just started contracting & have my first contract booked for 5 months & have set up my limited company. The contract is a good two hours away so my plan is a to rent a small place as an alternative to hotels & do a weekly commute. It will not only be cheaper but also nicer. Even if the...

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