【英國】 英倫扮工室 VIII

胃痛...

太多咖啡？

一日三杯真係胃都穿

公司真係好撚野
都幫你跟緊兩份大project
仲叫我幫你譯哂成條line 所有機啲manual

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

Audit 應該難d, advisory 都仲可以諗下

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

You will save on income tax and NI contributions just now when you enroll in a workplace pension.

If you want to reduce your tax liabilities when you take out your pension later in life, you can take 25% out of your total pension pot as a lump sum tax free. This will reduce your monthly taxable income in the future.

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

As far as I know, there isn't a lot of defined benefit pension schemes around. Most private companies moved to defined contribution pension schemes in order to save money. Most of the defined benefit pension schemes still accepting new members are in the public sector - for example local and central government.

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

Whether it is a good thing for you to enroll in your workplace's pension scheme depended on a number of factors, for example how long you will be working for that company for. You may want to speak to an independent financial advisor before making the final decision.

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

The first question is whether you can practice your profession in the UK. Please have a look at the link below -

https://www.icaew.com/en/membership/becoming-a-member/members-of-other-bodies/campaigns/pathways-to-membership/eligibility-criteria

Other than Cantonese and English, do you speak other Chinese dialect? (Hakka or Fuqing 福清話)

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

Ken Cheng won the 10th annual Dave's Funniest Joke Of The Fringe with: "I'm not a fan of the new pound coin, but then again, I hate all change."

http://www.bbc.co.uk/news/uk-scotland-40999000

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

同意

點解英國無吉野家

點解英國無吉野家

自己整

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

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

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

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

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

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

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

當年見係
Grad 就send
每日都起碼三十份

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

甘睇嚟禾應該要報多啲

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

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

我之前同雞巴講過啦

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

應該勁難切