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Recent content by tl97

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    Finding a contract in France?

    Do you have any of the agency names?
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    Fine due to accountant failing to file with HMRC

    File the return asap. Then phone HMRC and explain the situation, depending how overdue it is, they might come to an arrangement with you. But ultimately your responsibility I’m afraid.
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    Finding a contract in France?

    Has anyone here had experience contracting in France? Where are international contract roles typically advertised and how has it compared to UK contracting? Currently contracting in the UK but hold a French passport and speak the language, it has always been an aim to move there at some point...
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    Inside PAYE rate vs Outside via Limited

    Correct, two different clients
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    Inside PAYE rate vs Outside via Limited

    From experience, that’s not always the case…
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    Inside PAYE rate vs Outside via Limited

    A PAYE rate is the figure reached once the client has paid employer NIC, so it’s already been marked down and reflective of that deduction that has already taken place.
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    Inside PAYE rate vs Outside via Limited

    Because their inside calculator assumes going through an umbrella with the employer NIC and umbrella fee deductions, which isn’t applicable for a direct PAYE rate.
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    Inside PAYE rate vs Outside via Limited

    The outside limited calculations assume a basic salary and the rest as dividend withdrawals. CT is deducted. No employer/employee NIC deductions because the salary is under the threshold. Umbrella rate is a non-starter, the employer NIC deductions alone wipe out a significant chunk. A PAYE rate...
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    Inside PAYE rate vs Outside via Limited

    To frame it another way, if you needed to take all the money out of your limited in the same year (eg. for a deposit, investment etc.) and your expenses are very low (no travel or large purchases), what’s the financial advantage of outside limited vs. inside PAYE?
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    Inside PAYE rate vs Outside via Limited

    Hi all, I've fed an Outside IR35 rate into ContractorCalculator's financial profile calculator. I've then taken the same rate as a PAYE rate, multiplied by 220 and entered it into a PAYE calculator. Both monthly figures returned are around the same. It seems that if you're on an outside IR35...
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    Almost 100 applications but only 10 or so callbacks

    Have you had someone review your CV? Even a friend or family. And perhaps try finding a role through your network.
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    Would you stop contracting if Plan B paid off?

    My goal is for work to be something I can do if I want to, not because I have to - essentially the FIRE approach.
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    Best business account to be paid in euros

    Cater Allen do a business Euro account with IBAN number and debit card, no fees for receiving funds and it's FSCS deposit protected, not sure you get FSCS protection with Wise. Barclays also do a Euro account.
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    Am I still higher rate taxpayer after large pension contribution ?

    Phone up HMRC and they can adjust your PAYE code for it.
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    Quick question about remote working for client in Germany

    Quick question about remote working for client in Germany Apologies if this has already been answered on here before... since Brexit, can a UK Limited company still charge an EU-based client, if you’re working for that client from the UK? And if you occasionally visit the EU-based client, eg...

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