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有香港會計師牌其實過到去都好難搵工? :^(
想quit 香港份工用tier 5 過去兩年working holiday 之後睇下有無機會有人肯簽tier 2,但好似好高risk :^(
唔搵big4?
其實就係喺香港big4 做緊想睇下呢個experience 過到去有無得做香港已經非常飽和同成個環境都越黎越差 :^(
要唔要enroll pension? :^(
定等到出年4月mandatory先?
of course enroll
:^(
google左下都唔太明有咩好處
You can save income tax and NI contribution as the company pension money is taken before tax. This will 'reduce' your taxable income.
The same thing happens in a private pension. The UK government will add the basic rate of income tax back to your private pension scheme - so you will get £100 in your private pension when you paid £80. For those who are on the higher rate of income tax, you will need to apply to get the higher rate back from the HMRC.
https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief
not sure about the little devilish details like... management fees... handling fees...
You can go for the stakeholder pension -
https://www.pensionsadvisoryservice.org.uk/about-pensions/pensions-basics/contract-based-schemes/stakeholder-pension-schemes?moreInfo=4
The conditions that a stakeholder pension scheme must meet include:
Membership must be available to all employees with a particular employer. It cannot be restricted to certain classes or employees;
Annual management charges must not be more than 1.5% per year for the first ten years of scheme membership and then not more than 1% thereafter;
The minimum gross contribution payable to the scheme must not be set at a level higher than £20, whether the contribution is paid on a regular, or, a one-off basis;
Contributions must be accepted if they are made from a bank account or building society account by way of cheque, direct debit, standing order or direct credit. The provider may also decide to accept other payment methods;
Contributions may be stopped or restarted at any time, without penalty;
Members must be provided with a default fund for investment if they do not want to make investment choices themselves;
Other investment choices offered must meet diversification and suitability criteria;
A ‘lifestyling’ investment option must be available. Lifestyling involves the gradual transfer from higher risk investments to lower risk investments as a member approaches their selected retirement date. Lifestyling must commence at least 5 years before the member’s selected retirement date. It’s designed to shield the member’s accumulated fund from investment volatility in the period leading up to the member’s selected retirement date;
Transfers in from other UK schemes must be accepted without additional charges (including contracted-out benefits);
Normally when a transfer out is made to another scheme, there will not be a penalty. Penalties may apply if an individual is invested in a with-profits fund;
Members must be provided with a detailed statement each year.
原來enroll左pension可以交少啲稅 :^( :^(
咁樣搞到我又想enroll番
之前仲同個阿姐講唔join tim
唔係完全tax free, 退休個陣income高過personal allowance一樣要俾income tax只不過少好多
要唔要enroll pension? :^(
定等到出年4月mandatory先?
of course enroll
:^(
google左下都唔太明有咩好處
我知每個月可以儲舊錢退休拎既 :^(
不過而家要儲起筆錢同女友一齊整visa係咪等到下年四月先好啲 :^(
有錢最好供,你供1%,你公司法定最少match返你1%,基金佬唔蝕一半你已經有賺,你唔供你公司個1% contribution都省返
除非你好等錢洗或者你有方法可以跑贏基金佬多1倍以上
我公司供得仲多過我
如果買左樓應該會額外供多d, 反正on top 既係defined benefits :^(
要唔要enroll pension? :^(
定等到出年4月mandatory先?
of course enroll
:^(
google左下都唔太明有咩好處
You can save income tax and NI contribution as the company pension money is taken before tax. This will 'reduce' your taxable income.
The same thing happens in a private pension. The UK government will add the basic rate of income tax back to your private pension scheme - so you will get £100 in your private pension when you paid £80. For those who are on the higher rate of income tax, you will need to apply to get the higher rate back from the HMRC.
https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief
not sure about the little devilish details like... management fees... handling fees...
You can go for the stakeholder pension -
https://www.pensionsadvisoryservice.org.uk/about-pensions/pensions-basics/contract-based-schemes/stakeholder-pension-schemes?moreInfo=4
The conditions that a stakeholder pension scheme must meet include:
Membership must be available to all employees with a particular employer. It cannot be restricted to certain classes or employees;
Annual management charges must not be more than 1.5% per year for the first ten years of scheme membership and then not more than 1% thereafter;
The minimum gross contribution payable to the scheme must not be set at a level higher than £20, whether the contribution is paid on a regular, or, a one-off basis;
Contributions must be accepted if they are made from a bank account or building society account by way of cheque, direct debit, standing order or direct credit. The provider may also decide to accept other payment methods;
Contributions may be stopped or restarted at any time, without penalty;
Members must be provided with a default fund for investment if they do not want to make investment choices themselves;
Other investment choices offered must meet diversification and suitability criteria;
A ‘lifestyling’ investment option must be available. Lifestyling involves the gradual transfer from higher risk investments to lower risk investments as a member approaches their selected retirement date. Lifestyling must commence at least 5 years before the member’s selected retirement date. It’s designed to shield the member’s accumulated fund from investment volatility in the period leading up to the member’s selected retirement date;
Transfers in from other UK schemes must be accepted without additional charges (including contracted-out benefits);
Normally when a transfer out is made to another scheme, there will not be a penalty. Penalties may apply if an individual is invested in a with-profits fund;
Members must be provided with a detailed statement each year.
原來enroll左pension可以交少啲稅 :^( :^(
咁樣搞到我又想enroll番
之前仲同個阿姐講唔join tim
有香港會計師牌其實過到去都好難搵工? :^(
想quit 香港份工用tier 5 過去兩年working holiday 之後睇下有無機會有人肯簽tier 2,但好似好高risk :^(
各位有好介紹記得話我知 :^( :^( :^(
各位有好介紹記得話我知 :^( :^( :^(
Have a look at the link below -
https://www.reed.co.uk/jobs/language/cantonese
各位有好介紹記得話我知 :^( :^( :^(
Have a look at the link below -
https://www.reed.co.uk/jobs/language/cantonese
用過indeed search 過,有幾個都apply 過,完全無回覆 :^(
HKG3 巴打幾時落倫敦?應該要集體請你飲酒 :^(
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點解英國無吉野家
自己整
麻煩,果啲火鍋牛肉係英國買都幾貴同埋難食
五鎊半
算係咁啦
以前係Cardiff 有間中超,有牛肉片,類似香港打邊爐嗰啲
唔係咩£5 一盒薄過紙片加肥到仆街
各位有好介紹記得話我知 :^( :^( :^(
Have a look at the link below -
https://www.reed.co.uk/jobs/language/cantonese
用過indeed search 過,有幾個都apply 過,完全無回覆 :^(
HKG3 巴打幾時落倫敦?應該要集體請你飲酒 :^(
各位有好介紹記得話我知 :^( :^( :^(
Have a look at the link below -
https://www.reed.co.uk/jobs/language/cantonese
用過indeed search 過,有幾個都apply 過,完全無回覆 :^(
HKG3 巴打幾時落倫敦?應該要集體請你飲酒 :^(
各位有好介紹記得話我知 :^( :^( :^(
Have a look at the link below -
https://www.reed.co.uk/jobs/language/cantonese
用過indeed search 過,有幾個都apply 過,完全無回覆 :^(
HKG3 巴打幾時落倫敦?應該要集體請你飲酒 :^(
幾個咁少,報返60,70份先返黎講
點解英國無吉野家
自己整
麻煩,果啲火鍋牛肉係英國買都幾貴同埋難食
五鎊半
算係咁啦
以前係Cardiff 有間中超,有牛肉片,類似香港打邊爐嗰啲
唔係咩£5 一盒薄過紙片加肥到仆街
仲記得讀書年代
係買大舊牛肉
落冰格
再拎出黎切片 :^( :^( :^(
Ads
點解英國無吉野家
自己整
麻煩,果啲火鍋牛肉係英國買都幾貴同埋難食
五鎊半
算係咁啦
以前係Cardiff 有間中超,有牛肉片,類似香港打邊爐嗰啲
唔係咩£5 一盒薄過紙片加肥到仆街
仲記得讀書年代
係買大舊牛肉
落冰格
再拎出黎切片 :^( :^( :^(
點樣切到咁薄 :^( :^( :^(
各位有好介紹記得話我知 :^( :^( :^(
Have a look at the link below -
https://www.reed.co.uk/jobs/language/cantonese
用過indeed search 過,有幾個都apply 過,完全無回覆 :^(
HKG3 巴打幾時落倫敦?應該要集體請你飲酒 :^(
幾個咁少,報返60,70份先返黎講
點解英國無吉野家
自己整
麻煩,果啲火鍋牛肉係英國買都幾貴同埋難食
五鎊半
算係咁啦
以前係Cardiff 有間中超,有牛肉片,類似香港打邊爐嗰啲
唔係咩£5 一盒薄過紙片加肥到仆街
仲記得讀書年代
係買大舊牛肉
落冰格
再拎出黎切片 :^( :^( :^(
點樣切到咁薄 :^( :^( :^(
冰格 :^(
一日三杯真係胃都穿