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Recent content by Wary
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Giant Umbrella furlough scheme for present Covid-19 situation
I was with Contractor Umbrella and I didn't receive any furlough money whatsoever even though I was eligible. So if Giant got you something during the first lockdown despite the cost & inconvenience to themselves, then that's not bad.- Wary
- Post #15
- Forum: Coronavirus Assistance
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Pension. Please guide.
I've had good service from Depledge - certainly a massive improvement on my previous financial advisors. If you want free advise from a forum, try this one: Pensions, Annuities & Retirement Planning — MoneySavingExpert Forum- Wary
- Post #61
- Forum: Accounting / Legal
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Pension - calculating threshold income inside IR35 (via umbrella)
Maybe try posting your question here (you're likely to get more expert advice than on this forum when it comes to pensions): Pensions, Annuities & Retirement Planning — MoneySavingExpert Forum- Wary
- Post #6
- Forum: Accounting / Legal
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Pensions/drawdown etc
For every £1000 of your tax-free element you withdraw, £3000 is moved to a crystallised pot (this is the 75% taxable element). You can withdraw from the latter at any point (you don't have to withdraw the full 25% tax-free first), but it will be liable to tax and will trigger your MPAA (unless...- Wary
- Post #20
- Forum: Accounting / Legal
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Pensions/drawdown etc
My understanding is that making a such a withdrawal (i.e. making use of the small pots rule) will not trigger one's MPAA. Hence the advantage of doing so.- Wary
- Post #11
- Forum: Accounting / Legal
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Pensions/drawdown etc
... unless you can make use of the Small Pots rule.- Wary
- Post #5
- Forum: Accounting / Legal
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Newbie to Umbrella
Two of those on your list are discussed here: https://www.contractoruk.com/forums/umbrella-companies/139337-giant-contractor-umbrella.html- Wary
- Post #4
- Forum: Umbrella Companies
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Brainstorming: Umbrella - furlough situation
In case you've not already seen it, there are specific reviews on Umbrellas & their participation in CJRS Find fairer IR35 & CV19 clients, agents & brollys. OffPayroll.org.uk Bear in mind that one can't be sure how genuine all reviews are of course, especially as it is not necessary to register...- Wary
- Post #37
- Forum: Accounting / Legal
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Brainstorming: Umbrella - furlough situation
I suspect that many brollies may have ended their participation in the furlough scheme after July, when the employer was expected to start contributing some of the wages. I've not really seen much feedback on these forums either way though.- Wary
- Post #35
- Forum: Accounting / Legal
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Brainstorming: Umbrella - furlough situation
Whilst I understand the pitfalls & downside of brollies furloughing contractors who were eligible, they’re obviously not showstoppers as a great many umbrellas (seemingly the majority) did participate in the CJRS. Lucy @ Clarity, PayStream, Parasol, Mango, Giant … presumably because their ethos...- Wary
- Post #33
- Forum: Accounting / Legal
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Giant or Contractor Umbrella?
My late payments were a result of CU raising/submitting the agency invoice after the deadline, despite prompt completion of my timesheets.- Wary
- Post #12
- Forum: Umbrella Companies
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Giant or Contractor Umbrella?
Late payments was a persistent issue for me during my time with CU.- Wary
- Post #10
- Forum: Umbrella Companies
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Umbrella - Help on pension
For good advice on choosing an appropriate SIPP, your question would probably be better answered on this forum: Pensions, Annuities & Retirement Planning — MoneySavingExpert Forum- Wary
- Post #2
- Forum: Umbrella Companies
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Giant or Contractor Umbrella?
Contractor Umbrella is definitely a company to avoid, and you may find that most positive reviews relate back to their previous ownership (Lucy). See these two threads for a starter: https://www.contractoruk.com/forums/umbrella-companies/138455-contractor-umbrella-ltd-experience.html...- Wary
- Post #3
- Forum: Umbrella Companies
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Umbrella company recommendations
Good luck with that, Lucy. Whilst one obviously has to treat these reviews with caution, one fact that is beyond dispute is that Contractor Umbrella refused to furlough any of their contractors, and they've acknowledged it on this forum. Avoid this lot.- Wary
- Post #15
- Forum: Umbrella Companies
