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How much delaying a pension can cost you
Contractors delaying the decision to start a pension risk losing thousands of pounds of pension pot growth.
�ontractors should be saving a varying stages of a contracting career. It is also never too late to start a pens�
Category: Articles: Pensions | Mon, 15 Feb 2016

Pensions for contractors with an umbrella company
Income when using an umbrella company can go straight into pension funds for serious tax advantages.
�sing a contractor umbrella company to manage your contracting income, you can get very significant tax advantag� �ntributions (NICs) on a hefty percentage of their contract income. 'Pre-taxed' income Provided your umbrella�
Category: Articles: Pensions | Tue, 07 Apr 2009

Contractor guide to UK state-backed pension: National Employment Savings Trust (NEST)
Contractors should take pension action now & not be auto-enrolled into the National Employment Savings Trust.
�tax-efficient methods of extracting earnings from contracting income for contractors. Given the unique nature o�
Category: Articles: Pensions | Thu, 29 Apr 2010

Contractor doctor: should I quit my job before going contracting?
The catch-22 for many is not wanting to quit their job to secure a contract, but without flexibility they can't get one. Here's what to do.
�ills and experience level. I am thinking of going contracting but, with a lack of savings and no experience in� �guide ‘ Should I quit my job before applying for contracts? ’ in msot cases you will need to hand in your no� �eed to hand in your notice before searching for a contract. This is because: Most agents will be reluctant t�
Category: Articles: Contractor Doctor Q+A | Tue, 30 Oct 2018

Contractor doctor: are advertised contract rates a good guide to market rates?
Do the advertised market rates give a good indication of rates in the market?
�contractor about how they went from permanent to contracting . I am currently working in a permanent role, but� �be how they made the transition from permanent to contract: From permanent to contract - case study 1 From p�
Category: Articles: Contractor Doctor Q+A | Tue, 06 Nov 2018

Contractor doctor: can I apply for different contracts with the same agent?
Should you target your CV differently for different roles advertised by the same agent?
�t the work of the CV is over. Good luck with your contract search.�
Category: Articles: Contractor Doctor Q+A | Tue, 13 Nov 2018

Contractor Doctor: How much income should I save for holidays and sickness?
Contractors don’t receive sick pay or get paid for holidays, so need to plan their finances to take into account expected, and unexpected, time off.
�ntracts or get ill and can’t work. How much of my contracting income should I save for time off due to holidays� �ke time off for holidays, and in case I’m between contracts or get ill and can’t work. How much of my contrac� �ear Contractor Doctor, I’ve just started my first contract as an interim marketing contractor. Until now, I’�
Category: Articles: Contractor Doctor Q+A | Fri, 28 Oct 2016

Contractor doctor: can I get part time flexible contracts?
Contractor Doctor offers advice to a permanent employee who is considering part time contracting.
�Dear Contractor Doctor, I'm looking to go contracting and am interested working part time. Perhaps 2-3� �a week scenario. Contracting for 2-3 days a week Contracts of this nature are very rare indeed and are rarel� �is an entirely different market to the full time contract scenario. Let's first discuss the 2-3 days a week�
Category: Articles: Contractor Doctor Q+A | Fri, 09 Dec 2016

Contractor doctor: how can I renegotiate a smaller agency margin?
Getting a higher rate by reducing a very high agency margin.
�d this be legal? I'm nearing the end of a 6 month contract which the client wants to renew. Relations with t�
Category: Articles: Contractor Doctor Q+A | Tue, 23 Jan 2018

Contractor doctor: Can I bypass an agency that has already introduced me?
The 3 main reasons why it's unlikely you will ever be able to cut out an agency and go direct to the client.
�ible to speak to the decision maker Agency client contracts prevent you going direct The agency-client terms� �age, they have one with the client, and it's that contract that quite rightly protects their business intere�
Category: Articles: Contractor Doctor Q+A | Tue, 04 Oct 2016