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Recent content by SeanT

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    Warning about 1st Online accountants

    < 4 weeks until my first year accounts are due, no response to my last comms...
  2. S

    Inside/Outside IR35 comparison

    Take the outside unless you're putting most of it in a pension
  3. S

    Can Tax Free Dividends be paid to a Full-Time worker in UK!!

    and to make use of any remaining basic rate limit, of course...
  4. S

    Childcare voucher scheme providers fees

    Have you seen the price of childcare? You know you can't just pay the whole bill (over c. £3k a year) without incurring BiK right? And that the voucher scheme is about to close forever next month?
  5. S

    Childcare voucher scheme providers fees

    I use https://www.applechildcarevouchers.co.uk/ They charge 4% + VAT and were the cheapest I found in my search (although they used to charge less than this apparently) - I've never had any issues and got my missing carer added on easily enough. Get in quick before you miss the boat!
  6. S

    Deferring dividends + Changing tax residency

    You may as well max out the 7.5% band and leave the rest in the company if you don't need more, whether going to another country or not, who knows what the tax rate will be in the future.
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    Database Encryption

    You have a valid and legally sound reason to keep the data and to refuse the request for it to be "forgotten". GDPR doesn't trump e.g. FCA regulation or AML laws.
  8. S

    Database Encryption

    Encrypt the data that needs encrypting (possibly very little of it) at the application level if you can, then use something like Hashicorp Vault to store the key material needed to decrypt it, which can be leased by the application and periodically renewed. Don't forget to consider the integrity...
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    QDOS discount / referral

    I'm now back in the why bother having both camp, having discovered there's no next day service with the free reviews...
  10. S

    QDOS discount / referral

    See title...
  11. S

    Clearsky, Parasol, SJD & Nixon Williams (Optionis) For Sale at £300m !!

    Is the voucher scheme really that good, I've been a member a year and never looked at it??
  12. S

    Dell Optiplex

    You know it's still a current model right, and they've been making them with i5/i7 processors for about five years? Get a s/h Precision anyway, unless you need the SFF.
  13. S

    So anyone been caught speeding on new fines system? (well since last April)

    Probably do it on a single journey in Northants, bloody scum.
  14. S

    Post Office - any experience contracting there?

    I worked as a postman once at Christmas. It was tulipe but I got the regular postie's tips.
  15. S

    So anyone been caught speeding on new fines system? (well since last April)

    See 69 in a 40 zone - FightBack Forums and http://bailiffadviceonline.co.uk/index/magistrate-court-fine/summons-and-means-enquiry-form

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