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NET 85% OF YOUR INCOME: http://www.tarpon-uk.com/contractor-salary-calculator/WT.mc_id=ON_V_YouTube 0845 643 1580 Tarpon -- the most transparent payroll solution in the UK Before we go any further, perhaps we should say something about our own reputation? We're an employment benefits company known for making contracting substantially more rewarding. We're renowned both for our tax expertise and for providing contractors with their own personal business managers. By signing up with us, contractors are given the status of employees. This comes with numerous benefits. Not the least of which is that they can′t be challenged under IR35 rules. They also receive a regular salary; they enjoy the ability to claim 100% of business expenses tax-free, often without receipts (all HM Revenue they′re given a P60 at the end of the year; they can draw holiday and sick pay; and they may not need to fill in a tax return. Most vital for you, though, is the following fact: As far as HMRC are concerned, the buck stops with us. Not with you. Nor with your contractors. Your reputation, in other words, is safe with us. Business Expenses Claim back business expenses such as travel, accommodation, food and much more with our unique HMRC approved expenses policy. Tarpon will maximise your income, keep you legal and streamline all your admin. Tax. IR35. Confused about the implications? Or just confused about what it is? Leave it all to us. We're specialists in both tax and IR35 and can give you impartial, straightforward advice on both. With Tarpon, you'll have your own personal business manager to keep you tax-efficient and to reclaim up to 100% of your business expenses, tax-free. (Your business manager will even call you at a convenient time to take down the details of those expenses, which means you won't need to do this online each week.) And to ensure you maximise your tax and national insurance savings we also offer a childcare voucher scheme and a personal pension through salary sacrifice. If the taxman comes knocking, it won′t be on your door. As far as HM Revenue & Customs are concerned, the buck stops with us, not with our contractors. So, unlike some umbrella companies, we don′t need to provide legal fees to cover possible investigations. We′ll keep you IR35-compliant, supply you with a P60 and employ an expenses policy approved by HMRC themselves. https://www.tarpon-uk.com/employee-benefits/tax-expertise/?WT.mc_id=ON_V_YouTube Benefits that Tarpon members enjoy: Get £25.00 for every night that you stay on a friend's sofa You don't need receipts to claim lunch expenses Get back your travel expenses, tax-free. Get £20m indemnity cover, free. Get paid on time, everytime. Don't pay more tax than you have to. Employment benefits company. Tarpon have revolutionized the industry by being the first company to introduce an exclusive employment benefits package for contractors, coupled with, an over-arching employment contract that will ensure you remain IR35 and MSC compliant at all times. We pride ourselves with our unrivalled quality service through personal business managers who will make sure that you don't have to worry about any administration, tax returns or expensive accountants. We'll also give you £20million worth of professional insurances for total peace of mind. Calculate your salary: https://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube Tags Crystal Clear Umbrella Solution brought to you by Tarpon company tarpon-uk contractor contracting hmrc IR35 compliance Author: TarponLtd Keywords: Crystal clear umbrella solution brought to you by tarpon tarpon-uk contractor contracting hmrc IR35 compliance Added: September 2, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Tarpon -- The real Umbrella Company Before we go any further, perhaps we should say something about our own reputation? We're an employment benefits company known for making contracting substantially more rewarding. We're renowned both for our tax expertise and for providing contractors with their own personal business managers. By signing up with us, contractors are given the status of employees. This comes with numerous benefits. Not the least of which is that they can′t be challenged under IR35 rules. They also receive a regular salary; they enjoy the ability to claim 100% of business expenses tax-free, often without receipts (all HM Revenue they′re given a P60 at the end of the year; they can draw holiday and sick pay; and they may not need to fill in a tax return. Most vital for you, though, is the following fact: As far as HMRC are concerned, the buck stops with us. Not with you. Nor with your contractors. Your reputation, in other words, is safe with us. Business Expenses Claim back business expenses such as travel, accommodation, food and much more with our unique HMRC approved expenses policy. Tarpon will maximise your income, keep you legal and streamline all your admin. Tax. IR35. Confused about the implications? Or just confused about what it is? Leave it all to us. We're specialists in both tax and IR35 and can give you impartial, straightforward advice on both. With Tarpon, you'll have your own personal business manager to keep you tax-efficient and to reclaim up to 100% of your business expenses, tax-free. (Your business manager will even call you at a convenient time to take down the details of those expenses, which means you won't need to do this online each week.) And to ensure you maximise your tax and national insurance savings we also offer a childcare voucher scheme and a personal pension through salary sacrifice. If the taxman comes knocking, it won′t be on your door. As far as HM Revenue & Customs are concerned, the buck stops with us, not with our contractors. So, unlike some umbrella companies, we don′t need to provide legal fees to cover possible investigations. We′ll keep you IR35-compliant, supply you with a P60 and employ an expenses policy approved by HMRC themselves. https://www.tarpon-uk.com/employee-benefits/tax-expertise/?WT.mc_id=ON_V_YouTube Benefits that Tarpon members enjoy: Get £25.00 for every night that you stay on a friend's sofa You don't need receipts to claim lunch expenses Get back your travel expenses, tax-free. Get £20m indemnity cover, free. Get paid on time, everytime. Don't pay more tax than you have to. Employment benefits company. Tarpon have revolutionized the industry by being the first company to introduce an exclusive employment benefits package for contractors, coupled with, an over-arching employment contract that will ensure you remain IR35 and MSC compliant at all times. We pride ourselves with our unrivalled quality service through personal business managers who will make sure that you don't have to worry about any administration, tax returns or expensive accountants. We'll also give you £20million worth of professional insurances for total peace of mind. Calculate your salary: https://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube Tags parasol use a real umbrella company tarpon tarpon-uk contractor contracting hmrc IR35 compliance Author: TarponLtd Keywords: company compliance contracting contractor hmrc IR35 parasol real tarpon tarpon-uk umbrella use Added: August 29, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Tarpon, the UK's biggest umbrella company! Before we go any further, perhaps we should say something about our own reputation? We're an employment benefits company known for making contracting substantially more rewarding. We're renowned both for our tax expertise and for providing contractors with their own personal business managers. By signing up with us, contractors are given the status of employees. This comes with numerous benefits. Not the least of which is that they can′t be challenged under IR35 rules. They also receive a regular salary; they enjoy the ability to claim 100% of business expenses tax-free, often without receipts (all HM Revenue they′re given a P60 at the end of the year; they can draw holiday and sick pay; and they may not need to fill in a tax return. Most vital for you, though, is the following fact: As far as HMRC are concerned, the buck stops with us. Not with you. Nor with your contractors. Your reputation, in other words, is safe with us. Business Expenses Claim back business expenses such as travel, accommodation, food and much more with our unique HMRC approved expenses policy. Tarpon will maximise your income, keep you legal and streamline all your admin. Tax. IR35. Confused about the implications? Or just confused about what it is? Leave it all to us. We're specialists in both tax and IR35 and can give you impartial, straightforward advice on both. With Tarpon, you'll have your own personal business manager to keep you tax-efficient and to reclaim up to 100% of your business expenses, tax-free. (Your business manager will even call you at a convenient time to take down the details of those expenses, which means you won't need to do this online each week.) And to ensure you maximise your tax and national insurance savings we also offer a childcare voucher scheme and a personal pension through salary sacrifice. If the taxman comes knocking, it won′t be on your door. As far as HM Revenue & Customs are concerned, the buck stops with us, not with our contractors. So, unlike some umbrella companies, we don′t need to provide legal fees to cover possible investigations. We′ll keep you IR35-compliant, supply you with a P60 and employ an expenses policy approved by HMRC themselves. https://www.tarpon-uk.com/employee-benefits/tax-expertise/?WT.mc_id=ON_V_YouTube Benefits that Tarpon members enjoy: Get £25.00 for every night that you stay on a friend's sofa You don't need receipts to claim lunch expenses Get back your travel expenses, tax-free. Get £20m indemnity cover, free. Get paid on time, everytime. Don't pay more tax than you have to. Employment benefits company. Tarpon have revolutionized the industry by being the first company to introduce an exclusive employment benefits package for contractors, coupled with, an over-arching employment contract that will ensure you remain IR35 and MSC compliant at all times. We pride ourselves with our unrivalled quality service through personal business managers who will make sure that you don't have to worry about any administration, tax returns or expensive accountants. We'll also give you £20million worth of professional insurances for total peace of mind. Calculate your salary: https://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube Tags Giant umbrella company tarpon IR35 income umbrella company tarpon-uk contractor contracting hmrc compliance Author: TarponLtd Keywords: Giant Umbrella Company Tarpon tarpon-uk contractor contracting hmrc compliance IR35 legislation Added: August 28, 2008

https://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube 0845 643 1580 IR35 Calculator -- Net 85% of your income Business Expenses Claim back business expenses such as travel, accommodation, food and much more with our unique HMRC approved expenses policy. Tarpon will maximise your income, keep you legal and streamline all your admin. Tax. IR35. Confused about the implications?
Or just confused about what it is? Leave it all to us. We're specialists in both tax and IR35 and can give you impartial, straightforward advice on both. With Tarpon, you'll have your own personal business manager to keep you tax-efficient and to reclaim up to 100% of your business expenses, tax-free. (Your business manager will even call you at a convenient time to take down the details of those expenses, which means you won't need to do this online each week.) And to ensure you maximise your tax and national insurance savings we also offer a childcare voucher scheme and a personal pension through salary sacrifice. If the taxman comes knocking, it won′t be on your door. As far as HM Revenue & Customs are concerned, the buck stops with us, not with our contractors. So, unlike some umbrella companies, we don′t need to provide legal fees to cover possible investigations. We′ll keep you IR35-compliant, supply you with a P60 and employ an expenses policy approved by HMRC themselves. https://www.tarpon-uk.com/employee-benefits/tax-expertise/?WT.mc_id=ON_V_YouTube Benefits that Tarpon members enjoy: Get £25.00 for every night that you stay on a friend's sofa You don't need receipts to claim lunch expenses Get back your travel expenses, tax-free. Get £20m indemnity cover, free. Get paid on time, everytime. Don't pay more tax than you have to. Employment benefits company. Tarpon have revolutionized the industry by being the first company to introduce an exclusive employment benefits package for contractors, coupled with, an over-arching employment contract that will ensure you remain IR35 and MSC compliant at all times. We pride ourselves with our unrivalled quality service through personal business managers who will make sure that you don't have to worry about any administration, tax returns or expensive accountants. We'll also give you £20million worth of professional insurances for total peace of mind. Calculate your salary: https://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube Tags IR35 calculator net 85% of your income umbrella company tarpon-uk contractor contracting hmrc compliance  Author: TarponLtd Keywords: ir35 calculator net 85% of your income tarpon umbrella company tarpon-uk contractor contracting hmrc compliance Added: August 27, 2008

http://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube 0845 643 1580 Contractor Calculator -- Net 85% of your income Business Expenses Claim back business expenses such as travel, accommodation, food and much more with our unique HMRC approved expenses policy. Tarpon will maximise your income, keep you legal and streamline all your admin. Tax. IR35. Confused about the implications?
Or just confused about what it is? Leave it all to us. We're specialists in both tax and IR35 and can give you impartial, straightforward advice on both. With Tarpon, you'll have your own personal business manager to keep you tax-efficient and to reclaim up to 100% of your business expenses, tax-free. (Your business manager will even call you at a convenient time to take down the details of those expenses, which means you won't need to do this online each week.) And to ensure you maximise your tax and national insurance savings we also offer a childcare voucher scheme and a personal pension through salary sacrifice. If the taxman comes knocking, it won′t be on your door. As far as HM Revenue & Customs are concerned, the buck stops with us, not with our contractors. So, unlike some umbrella companies, we don′t need to provide legal fees to cover possible investigations. We′ll keep you IR35-compliant, supply you with a P60 and employ an expenses policy approved by HMRC themselves. http://www.tarpon-uk.com/employee-benefits/tax-expertise/?WT.mc_id=ON_V_YouTube Benefits that Tarpon members enjoy: Get £25.00 for every night that you stay on a friend's sofa You don't need receipts to claim lunch expenses Get back your travel expenses, tax-free. Get £20m indemnity cover, free. Get paid on time, everytime. Don't pay more tax than you have to. Employment benefits company. Tarpon have revolutionized the industry by being the first company to introduce an exclusive employment benefits package for contractors, coupled with, an over-arching employment contract that will ensure you remain IR35 and MSC compliant at all times. We pride ourselves with our unrivalled quality service through personal business managers who will make sure that you don't have to worry about any administration, tax returns or expensive accountants. We'll also give you £20million worth of professional insurances for total peace of mind. Calculate your salary: http://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube Tags Contractor calculator net 85% of your income tarpon umbrella company tarpon-uk contractor contracting hmrc ir35 compliance  Author: TarponLtd Keywords: Contractor calculator net 85% of your income tarpon umbrella company tarpon-uk contractor contracting hmrc ir35 Added: August 21, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Composite Companies -- you will be in the taxman's spotlight Work through a composite company is generally regarded as a tax avoidance process. And the Finance Act 2004 means any tax avoidance schemes have, by law, to be reported to HM Revenue and Customs. Added to this, in the March 2006 budget Chancellor Gordon Brown specifically stated that composite companies will be investigated in order to establish their true function -- are they genuine limited companies or just setups to avoid tax. So, by contracting through a composite company you are now highlighting to the taxman that you are avoiding tax and are likely to fall under IR35 legislation. And, with the recent addition of a second HM Revenue and Customs′ specialist office investigating composite companies and their members, chances are extremely high that you will be investigated. The way a composite company works is that you and lots of other contractors own the equity in the composite company, with varying classes of shares. The company bills your clients and receives your fees on your behalf. Then you get paid a nominal salary, along with all the other contractors, and pay minimal tax and National Insurance Contributions (NICs). The bulk of your earnings, and those of your fellow shareholding contractors, is paid out as dividends depending on the class of shares you own, with much lower tax liability and no NICs. Clearly, this is something the taxman is not going to be happy about. Some of the benefits of working through a composite company include: Tax efficiency (where this can be proved to be legal) Shared costs of administering the composite Admin support, eg issuing and chasing invoices Tax allowances for business expenses. Unfortunately, with IR35 and related legislation, working through a composite company has some major downsides: To HM Revenue and Customs tax efficiency through a composite = tax avoidance You will almost certainly fall under IR35 and have reduced earnings because of IR591 If a tax case is won against one of your colleagues in the composite company, you all are liable for the back tax plus any penalties You personally will fall under the spotlight of HM Revenue and Customs Following the Finance Act 2004, your chances of a full-blown HMRC investigation are very high. So, perhaps working through a composite company is not so advantageous after all. To speak to one of our tax experts call 0845 643 1580 Information taken from: http://www.tarpon-uk.com/information/composite-companies/?WT.mc_id=ON_V_YouTube Employment benefits company. Tarpon have revolutionized the industry by being the first company to introduce an exclusive employment benefits package for contractors, coupled with, an over-arching employment contract that will ensure you remain IR35 and MSC compliant at all times. We pride ourselves with our unrivalled quality service through personal business managers who will make sure that you don't have to worry about any administration, tax returns or expensive accountants. We'll also give you £20million worth of professional insurances for total peace of mind. Calculate your salary: https://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube Tags Composite company worth the risk tarpon umbrella company tarpon-uk contractor contracting hmrc ir35 compliance Author: TarponLtd Keywords: Composite company worth the risk tarpon umbrella tarpon-uk contractor contracting hmrc ir35 compliance Added: August 20, 2008

http://www.tarpon-uk.com/testing/ 0845 643 1580 I'm looking for a contract role and my recruitment agency has asked me to complete a psychometric test. Why have I been asked to complete one? It is nothing to worry about - Over 95% of the FTSE 100 companies use psychometric testing to select their staff. When you do a job that you love, it hardly feels like you're working. You owe it to yourself to discover your ideal contract. A personality report describes your perfect work environment. And what is psychometric testing exactly? There are two main types of tests used by employers; aptitude tests and personality questionnaires. Personality questionnaires are used to determine how people are likely to behave under various conditions. There are no right or wrong answers, and they're usually completed in your own time. Aptitude tests examine abilities such as numerical, verbal or abstract reasoning. Often presented in a multiple-choice format, the questions have definite right and wrong answers. Try this free psychometric test - you will be amazed with the accuracy of the results. The link can be found in the description to the right. References: Wikipedia http://en.wikipedia.org/wiki/Psychological_testing Author: TarponLtd Keywords: psychometric testing free tarpon umbrella company tarpon-uk contractor contracting hmrc ir35 compliance Added: July 25, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Contractor Pension alternatives -- important information to consider Tarpon is an employment benefits company which offers contractors a tax-efficient payroll service. We are experts at giving impartial tax advice. We'll claim up to 100% of your expenses back for you. And we'll provide you with a personal business manager to handle both your admin and your invoicing. Plus many additional benefits making contracting more rewarding. I'm contracting at the moment and my Umbrella Company have asked me whether I want to contribute to a pension -- what is a pension exactly? A pension is a long-term investment to provide a source of regular income when you retire. Contributions are made into a pension fund while you are working which will then give you regular payments once you have retired based on the amount you have contributed. So, why do I need a pension? When you retire, you'll still have bills to pay and will also want a regular income so that you can enjoy and make the most of your retirement years. The State Pension gives a basic income when you retire, but it is wise to set up a private pension as well so that you can live the lifestyle you want. What types of pension are there? The Basic State Pension The amount you get will depend on how much you have paid in National Insurance Contributions during your working life. The Additional State Pension Depending on your individual circumstances, you may be entitled to additional State Pension. Occupational Pension This is an arrangement that an employer may make to provide its employees with a pension when they retire. These are also known as work or company pensions. Stakeholder Pension This is an individual pension where the money you contribute is invested and can be moved to wherever you are working. Personal Pension This is an individual pension which is likely to have higher minimum investments and fees than a stakeholder pension, but there will often be greater investment choice and flexibility. Self Invested Personal Pension A Self Invested Personal Pension (SIPP) can allow you to take a much more active role in the investment of your pension pot. You may be able to choose from a range of fund managers and you could invest directly in property. And remember, you should always seek financial advice before making any decisions about how to invest for your pension. Useful websites: HM Revenue and Customs: http://www.hmrc.gov.uk/pensionschemes/online/online-splash.htm Financial Services Authority: http://www.fsa.gov.uk/ More information from Tarpon: http://www.tarpon-uk.com/employee-benefits/contractor-pensions/?WT.mc_id=ON-V-YouTube Author: TarponLtd Keywords: pension standard life umbrella company tarpon tax hmrc tarpon-uk expenses contractors dispensation contractor contracting employee benefits Added: July 22, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 What is IR35? IR 35 comes from the 6th April 2000 Intermediaries legislation. It was first proposed in the 1999 Budget press release numbered IR35. Hence now commonly referred to as 'IR35'. The aim of the legislation is to eliminate the avoidance of tax and National Insurance Contributions (NICs) through the use of intermediaries. Prior to the legislation, a worker could take the money out of the intermediary in the form of dividends instead of salary. The legislation ensures that, if the relationship between the worker and the client would have been one of employment had it not been for an intermediary, the worker pays tax and NICs on a fair basis. Who does it affect? The legislation itself is not targeted at any particular occupation or business sector. It applies in any business sector. The rules will apply to you if you answer 'yes' to both the following questions. Would you be an employee if you worked for your client directly and not through your company or partnership? Does the company or partnership you work through meet certain conditions regarding ownership of the company? What are the consequences of ignoring IR35? HMRC monitors compliance with the legislation to ensure that taxpayers do meet their obligations to pay the correct tax and NICs. Where HMRC find that the incorrect classification has been applied, they have a duty to ensure things are put right for the past and, where appropriate, for the future. Interest and penalties may be charged on any additional tax/NICs due to a result of any review or enquiry. Those that can be held liable are: The worker The Intermediary The Composite/MSC And sometimes even the Agency HMRC have additional powers to claim lost Tax and NI revenue off ANY party who materially benefit from the placement of workers under the "transfer of debt" legislation. How can you work safe? You will need to ensure you do not use a Managed Service Company and in no way take dividends. Investigate and opt for a HMRC fully approved, tax efficient solution When choosing your solution make sure the following applies: You are fully employed. You do not receive pay in "dividends" The company operates a normal PAYE scheme You pay employed (Class 1) NICs The company continue to operate in an HMRC-compliant manner. For a qualified solution, contractors will receive all the usual employment rights and protection given to individuals working for an employer. The service should offer both security and compliancy to all - workers, clients and agencies alike. The company you choose should ensure each and every contractor pays the correct level of Tax and NICs. References; HMRC Website www.hmrc.gov.uk/ir35/ Wikipedia http://en.wikipedia.org/wiki/IR35 CW Jobs http://www.cwjobs.co.uk/Contents/ContentRB/IR35Legislation.html More from Tarpon http://www.tarpon-uk.com/information/ir35/?WT.mc_id=ON_V_YouTube Author: TarponLtd Keywords: what is ir35 umbrella company tarpon tax hmrc tarpon-uk expenses contractors dispensation contractor contracting employee benefits Added: July 18, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 What is IR35? IR 35 comes from the 6th April 2000 Intermediaries legislation. It was first proposed in the 1999 Budget press release numbered IR35. Hence now commonly referred to as 'IR35'. The aim of the legislation is to eliminate the avoidance of tax and National Insurance Contributions (NICs) through the use of intermediaries. Prior to the legislation, a worker could take the money out of the intermediary in the form of dividends instead of salary. The legislation ensures that, if the relationship between the worker and the client would have been one of employment had it not been for an intermediary, the worker pays tax and NICs on a fair basis. Who does it affect? The legislation itself is not targeted at any particular occupation or business sector. It applies in any business sector. The rules will apply to you if you answer 'yes' to both the following questions. Would you be an employee if you worked for your client directly and not through your company or partnership? Does the company or partnership you work through meet certain conditions regarding ownership of the company? What are the consequences of ignoring IR35? HMRC monitors compliance with the legislation to ensure that taxpayers do meet their obligations to pay the correct tax and NICs. Where HMRC find that the incorrect classification has been applied, they have a duty to ensure things are put right for the past and, where appropriate, for the future. Interest and penalties may be charged on any additional tax/NICs due to a result of any review or enquiry. Those that can be held liable are: The worker The Intermediary The Composite/MSC And sometimes even the Agency HMRC have additional powers to claim lost Tax and NI revenue off ANY party who materially benefit from the placement of workers under the "transfer of debt" legislation. How can you work safe? You will need to ensure you do not use a Managed Service Company and in no way take dividends. Investigate and opt for a HMRC fully approved, tax efficient solution When choosing your solution make sure the following applies: You are fully employed. You do not receive pay in "dividends" The company operates a normal PAYE scheme You pay employed (Class 1) NICs The company continue to operate in an HMRC-compliant manner. For a qualified solution, contractors will receive all the usual employment rights and protection given to individuals working for an employer. The service should offer both security and compliancy to all - workers, clients and agencies alike. The company you choose should ensure each and every contractor pays the correct level of Tax and NICs. References; HMRC Website www.hmrc.gov.uk/ir35/ Wikipedia http://en.wikipedia.org/wiki/IR35 CW Jobs http://www.cwjobs.co.uk/Contents/ContentRB/IR35Legislation.html More from Tarpon http://www.tarpon-uk.com/information/ir35/?WT.mc_id=ON_V_YouTube Author: TarponLtd Keywords: what is ir35 umbrella company tarpon tax hmrc tarpon-uk expenses contractors dispensation contractor contracting employee benefits Added: July 16, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 I am contracting through an Umbrella Company -- should I be entitled to employee benefits? Your Umbrella Company should provide you with an over arching employment contract, which will mean you are treated as a permanent employee. Any good employer will make sure it's employees are well looked after and able to benefit from better perks and savings. There are many ways an Umbrella Company can benefit its employees, from salary sacrifice schemes to corporate affiliations giving its employees discounts on products and services. What is a salary sacrifice? A salary sacrifice is when an employee agrees to give up part of their pay under their contract of employment. Usually, the sacrifice is made in return for some form of non-cash benefit. A salary sacrifice can come in many forms, such as: Childcare vouchers: Pensions: Give As You Earn -- charity donations Bicycles Mobile Phones Eye Tests Grass Roots http://www.grassroots.uk.com/Services/Employee_Benefits Employee benefits.co.uk http://www.employeebenefits.co.uk/ HMRC http://www.hmrc.gov.uk/employers/ebik/index.htm More information from Tarpon http://www.tarpon-uk.com/employee-benefits/tax-expertise/?WT.mc_id=ON_V_YouTube Author: TarponLtd Keywords: Umbrella company tarpon tax hmrc tarpon-uk expenses contractors uk ir35 dispensation contractor contracting Added: July 7, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Click below to see how much more you could be earning as a Tarpon employee! http://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube Mervyn King, the Bank of England Governor, has announced that real take home pay would stagnate during a period when the cost of living continually rises. Well this is not the case for contractors working through Tarpon -- Tarpon have launched a revolutionary employee benefits package for contractors, which have allowed contractors to reduce living costs and maximise their take home pay. The exclusive benefits package allows contractors to combat rising living costs by offering discounts with items such as food shopping and with fuel. Contractors also make considerable tax savings through offsetting business expenses and salary sacrifice schemes such as childcare vouchers and pension contributions. As the UK approaches it's most challenging economic period for 2 decades, you need to make sure that you allow Tarpon to maximise your earnings. You need to join Tarpon now! References; Bank's King says economy has to slow to cool inflation http://uk.reuters.com/article/UKNews1/idUKL1870891920080619 About Mervyn King http://www.bankofengland.co.uk/about/people/biographies/king.htm How Tarpon can help you beat inflation http://www.tarpon-uk.com/employee-benefits/tax-expertise/?WT.mc_id=ON_V_YouTube tax code hmrc tarpon tarpon-uk travel expenses contractors uk ir35 dispensation contractor dispensation contracting IT mervyn king Author: TarponLtd Keywords: Umbrella company tarpon tax hmrc tarpon-uk expenses contractors uk ir35 dispensation contractor contracting mervyn king Added: June 20, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Click below to see how much more you could be earning as a Tarpon employee! http://www.tarpon-uk.com/contractor-salary-calculator/?WT.mc_id=ON_V_YouTube I am thinking of contracting and have been told that I can maximise my earnings through an Umbrella Company if they have an expenses dispensation from the tax man. What is an expenses dispensation? Ok, before you fall asleep, let me tell you in laymen terms what it is. It allows 'employees' to claim for business related expenses without the need to submit necessary receipts. An Umbrella Company can only get one if it is approved by the taxman. It allows employee's to offset their tax and NI with genuine business related expenses. The benefits of working through an Umbrella Company with an approved dispensation are that: -- the employer does not report the expenses on form P11D. -- the employee does not have to include them on his income tax returns. -- the expenses have no bearing on the PAYE tax code of the employee. So how do Umbrella Companies obtain a dispensation? The Umbrella Company will need to pass several tests set by the Revenue. They will assess the kind of expenses to be claimed and know exactly who is authorised to approve reimbursement. and may be withdrawn if the qualifying conditions are no longer satisfied. If you don't want the Revenue to come knocking on your door -- make sure you have written proof from your Umbrella Company. Thank you -- I'll definitely make sure my future Umbrella Company has a written expenses dispensation before I start using them. References; Tarpon website http://www.tarpon-uk.com/inland-revenue-dispensation/info/?WT.mc_id=ON_V_YouTube Wikipedia http://en.wikipedia.org/wiki/Umbrella_company HMRC website http://www.hmrc.gov.uk/paye/exb-intro-dispensation.htm TAGS tax code hmrc tarpon tarpon-uk travel expenses contractors uk ir35 dispensation contractor dispensation contracting IT contract job Author: TarponLtd Keywords: tax code hmrc tarpon tarpon-uk travel expenses uk ir35 dispensation contractor contracting it contract job Added: June 12, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Contractor Insurance cover, complete cover offered by Tarpon Attitudes to insurance vary. Some believe it to be a 'necessary evil' whilst others believe insurance provides their business protection. An insurance policy is a legal contract promising to provide compensation for an event that may not happen. Adequate insurance provides peace of mind, and reassurance for the client and contractor The most common types of business insurance taken out by contractors are: • Employers Liability • Public Liability • Professional Indemnity Most employers are required by law to hold Employers Liability Insurance to insure against liability for injury or disease to their employees arising out of their employment. Employers Liability Insurance covers your business if an employee is injured or falls ill at work and will meet the cost of compensation for any injuries or illnesses sustained to your employees, whether caused on or off site. By law an employer must be insured for at least £5 million, however most insurers automatically provide cover of a minimum of £10 million. You must display a copy of the certificate of employers' liability insurance where employees can easily read it and keep copies for at least 40 years or risk a fine. These certificates may also need to be made available to health and safety inspectors on request. Public liability insurance covers claims made against your business, if its owners, directors or employees are shown to be responsible for personal injuries to a third party or damage to property. Public liability insurance is a core cover of many types of insurance; in fact you are usually unable to buy employers liability cover without it. Public liability covers the Business to a specified limit of indemnity, usually £1m, £2m or £5m and occasionally £10m Public liability insurance would cover accidental damage, for example if you were at a client's site and you accidentally knocked over a cup of coffee damaging a computer beyond repair. Public liability insurance would cover any claim from the client. Professional Indemnity Insurance protects your business against legal costs or compensation sought by a client if you have made mistakes or are found to have been negligent in any services provided. One important point to bear in mind when considering professional indemnity insurance is that you need to be covered both at the time of the event and when the claim is made. This is because there is often a long delay between an event and a subsequent claim. So, in summary, whether you are setting up your own limited company or using the services of an umbrella company always ensure that you have adequate cover for the nature of your business tax code hmrc employed tarpon tarpon-uk umbrella company uk ir35 dispensation contractors contracting IT contract job Author: TarponLtd Keywords: tax code hmrc employed tarpon tarpon-uk umbrella company uk ir35 dispensation contractors contracting IT contract job Added: May 30, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 6431580 I'm looking for a contract job -- but the first thing recruitment agencies ask for is my CV. Why is my CV so important? Getting an interview can depend on how good your CV is. It is your opportunity to show an employer that you've got the skills and experience needed and that you are the right person for the job. So, how long should my CV be? Your CV should be no more than two pages long & easy to read with spaces between each section. & What should I include in my CV? You need to start with your Personal profile This section should only be a few lines long, but must spark the reader's interest. Be brief as you can highlight examples of your skills in later sections. You may include the following: Name, address and contact details. Skills and qualities Then there's your Employment history Start with your present or most recent job and work backwards, ideally using bullet points as these are much clearer. You may include the following: Each employer The dates you worked for them The job title Your main duties You then move on to Education and training Start with your most recent study and go back to the qualifications you got at school.. You may include the following: The university, college or school you went to The dates the qualifications were awarded and any grades Any other courses, if they're relevant You will also need to mention Hobbies and interests Employers like to read about your interests, as it can give them an idea of your strengths and what you'd be like to work with. You may need to have Additional information If you need to add anything else that's relevant, such as a gap in your employment history, you could include a further section titled "Additional Information". & finally there are your References You should state that references are available if required, although you do not need to include referees' contact details on your CV. Be positive -- don't be too modest and don't lie about your experience. Positive thinking is vital in securing your next contract. Thanks for the information -- it's really useful. tax code hmrc employed tarpon tarpon-uk umbrella company uk ir35 dispensation contractors contracting IT contract job Author: TarponLtd Keywords: tax code hmrc employed tarpon tarpon-uk umbrella company uk ir35 dispensation contractors contracting IT contract job Added: May 30, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 info@tarpon-uk.com Contractors win free gifts for referring friends to Tarpon!! Join other employees of Tarpon who have benefited from this exclusive offer, details below; Refer 2 Friends or colleagues in a month (calendar month) and receive £50 per referral for every contractor that joins Tarpon**, in addition to this your will receive a replica sports shirt of your choice completely free of charge!!! This offer expires on the 31st March, so hurry and claim your free prize! Not an employee of Tarpon? Please click on the link above and start enjoying employee benefits today! Man Utd vs Chelsea, john terry miss, anelka miss, ronaldo miss, 1-1 extra time, penalties, champions league. Author: TarponLtd Keywords: tarpon ltd tarpon-uk contractor contracting hmrc ir35 compliance umbrella PAYE tax dispensation net more income aspire Added: May 21, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 info@tarpon-uk.com Contractors win free gifts for referring friends to Tarpon!! Join other employees of Tarpon who have benefited from this exclusive offer, details below; Refer 2 Friends or colleagues in a month (calendar month) and receive £50 per referral for every contractor that joins Tarpon**, in addition to this your will receive a replica sports shirt of your choice completely free of charge!!! This offer expires on the 31st March, so hurry and claim your free prize! Not an employee of Tarpon? Please click on the link above and start enjoying employee benefits today! Man Utd vs Chelsea, john terry miss, anelka miss, ronaldo miss, 1-1 extra time, penalties, champions league.

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 643 1580 Tax Codes We get a lot of queries on tax codes, so we've put together a quick summary of the most common questions: A tax code makes sure you pay the right amount of tax. Your employer uses your code to calculate the amount of tax to deduct from your pay or pension. A tax code is made up of one letter and several numbers such as these: (raise a board or have wording appear on screen giving examples) 522L or K497 You can find your tax code on your P45, that's why this is so important to give to your new employer. If you've lost your P45, you won't be able to get a replacement. Your new employer will give you a form P46 to complete so that the tax office can give you a tax code for your new employment. The most important thing we do here is getting the tax right. And tax codes directly affects your earnings and what you take home at the end of the month. • WHAT IS A TAX CODE? • It makes sure you pay right tax • Employer uses code to calculate the right tax deductions • Tax code made up of one letter and several numbers • WHERE CAN YOU FIND IT? • Tax code on your P45 • Hence important to give to your new employer • If lost can't get P45 replaced • Can use P46 to get your tax code for new employment Author: TarponLtd Keywords: tax code hmrc employed tarpon tarpon-uk umbrella company uk ir35 dispensation contractors contracting IT contract job Added: May 14, 2008

http://www.tarpon-uk.com/?WT.mc_id=ON_V_YouTube 0845 6431580 info@tarpon-uk.com At the end of a tax year you'll receive a form P60 from your employer. The P60 confirms your final tax code for the year and confirms your earnings, tax paid, employers and employees NIC for the tax year just ended. Keep your P60 safe as you may need it up to two years later in case you're asked to complete a tax return. • End of tax year P60 from employer • Tax year runs from 6th April to 5th April. • P60 shows • Taxable income, • tax paid, • employers and employees NI for that tax year • Keep it safe may need it if you're asked to complete a tax return upto 2 years later Author: TarponLtd Keywords: P60 hmrc employed tarpon tarpon-uk umbrella company uk ir35 dispensation contractors tax contracting IT contract job Added: May 1, 2008