【英國】 英倫扮工室 VIII

高過零收入丫
做咩唔要呀

jsa其實有幾多

5x

https://www.gov.uk/jobseekers-allowance


Age JSA weekly amount
18 to 24 up to £57.90
25 or over up to £73.10

Please note that the above is the maximum amount you can get for JSA.

You should tell the DWP any income and savings you have if you are applying for or getting JSA - unless you want to get done for benefit fraud.

With regards to Zero hour contracts, the Zero hour contract colleagues I know at my workplace get pay via the company's payroll and were on the PAYE system for income tax and NI contribution. You may want to go to your local Citizens Advice office to get help in these matters.

https://www.citizensadvice.org.uk/work/rights-at-work/basic-rights-and-contracts/contracts-of-employment/

高過零收入丫
做咩唔要呀

返得一日我拎jsa 唔好

The government will give you NI credits when you are receiving JSA.

https://www.gov.uk/national-insurance-credits/eligibility

Having NI credits help you to fill your NI contribution gap when you are not working and paying NI.

You should tell the DWP any income and savings you have if you are applying for or getting JSA - unless you want to get done for benefit fraud.

With regards to Zero hour contracts, the Zero hour contract colleagues I know at my workplace get pay via the company's payroll and were on the PAYE system for income tax and NI contribution. You may want to go to your local Citizens Advice office to get help in these matters.

https://www.citizensadvice.org.uk/work/rights-at-work/basic-rights-and-contracts/contracts-of-employment/

大學hea既下場 ，出黎搵工係辛苦d
都叫左你搵住part time supermarket/m記乜都好，同人講你畢業後想抖下/簡工先更加會覺得你份人廢

如果master冇信心拎merit或dist不如唔好讀，佢UG 個grade太爛，master左可能好睇少少

ug太爛master真係會收咩

大學hea既下場 ，出黎搵工係辛苦d
都叫左你搵住part time supermarket/m記乜都好，同人講你畢業後想抖下/簡工先更加會覺得你份人廢

如果master冇信心拎merit或dist不如唔好讀，佢UG 個grade太爛，master左可能好睇少少

ug太爛master真係會收咩

讀間雞U咪得囉

搵緊銀行/保險

hi

有份stat graduate job比offer我，佢問我有冇right of work in UK, 但我得BNO,係咪應該申請ym去做住先，定叫佢幫我搞tier2

有份stat graduate job比offer我，佢問我有冇right of work in UK, 但我得BNO,係咪應該申請ym去做住先，定叫佢幫我搞tier2

呢D野都係如實講/問好D
佢肯幫你搞T2最好啦，T5果2年唔計落申請PR果5年到呀嘛
如果佢話睇你performance先決定幫唔幫你搞T2, 咁你先申請T5啦

要唔要enroll pension？
定等到出年4月mandatory先？

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

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

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

要唔要enroll pension？
定等到出年4月mandatory先？

You don't need to be in a pension scheme as you can always leave.

https://www.gov.uk/workplace-pensions/if-you-want-to-leave-your-workplace-pension-scheme

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...

上下水

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.

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

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

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