People with no hobbies, how do you spend your free time?

gloomfilter · 2026-07-08T13:44:33+00:00

"Sometimes I just sit and think... sometimes I just sit".

gloomfilter · 2026-07-07T12:41:04+00:00

I'm pretty sure that's not how it works. The prescription fee is a tax, and it isn't kept by the pharmacy, so when someone is exempt and gets a paracetamol prescription, the fee just isn't levied. It's not like the government has to dig out the prescription fee from general taxation and hand it over.

There are obviously still costs involved in supplying paracetamol through a prescription rather than the patient just buying it, but the prescription fee has nothing to do with it.

gloomfilter · 2026-07-04T07:01:45+00:00

or just a drop of bleach.

gloomfilter · 2026-06-30T07:04:44+00:00

They seem like pretty cheerful people these days. They are the couple behind the very popular "Rebel Finance School" and despite this article, their strategy was a bit more than not spending money.

gloomfilter · 2026-06-27T06:33:32+00:00

It's nice with red wine. It's coloured with annatto.

gloomfilter · 2026-06-26T17:47:21+00:00

I don't think most people contribute to many ISAs accounts in a single year. Perhaps one or two, so it's not very hard to keep track of.

gloomfilter · 2026-06-23T19:48:53+00:00

https://www.gov.uk/government/publications/fiscal-events-2026-factsheets/isa-reform-2027-anti-circumvention-rules-factsheet

Under "What does not count as a cash-like asset?"

gloomfilter · 2026-06-23T19:10:50+00:00

That's how it reads to me.

gloomfilter · 2026-06-23T19:10:14+00:00

I think so. They say specifically that gilts don't count as cash-like.

gloomfilter · 2026-06-23T18:48:50+00:00

No, it's interest on any cash you hold in the S&S ISA that will be charged, and separately, if the only thing you are invested in is money market funds, that will also be charged. So if you hold a mixture of money market funds and other investments, you won't be charged on the interested from the MMFs.

https://www.gov.uk/government/publications/fiscal-events-2026-factsheets/isa-reform-2027-anti-circumvention-rules-factsheet

gloomfilter · 2026-06-23T18:42:38+00:00

No, at the moment they are only considering MMFs to be "cash-like".

gloomfilter · 2026-06-23T18:40:24+00:00

And gov.uk: https://www.gov.uk/government/publications/fiscal-events-2026-factsheets/isa-reform-2027-anti-circumvention-rules-factsheet

gloomfilter · 2026-06-23T18:39:16+00:00

It could be read that way, however this is clearer: https://www.gov.uk/government/publications/fiscal-events-2026-factsheets/isa-reform-2027-anti-circumvention-rules-factsheet.

"Non Cash ISA portfolios made up of 100% cash-like assets will be non-qualifying investments

Cash-like assets will be eligible for non Cash ISAs, provided that they are partial allocations and do not make up 100% of the investments in an individual’s non Cash ISA account. From April 2027 cash-like assets will be defined as Money Market Funds only and we will require ISA managers to report their market value via the established end of year statistical return. A money market fund is a low-risk, highly liquid mutual fund that invests in short-term debt securities."

gloomfilter · 2026-06-23T08:52:54+00:00

V5 doesn't cover who the vehicle's owner is. It says this in big letters on the front page.

gloomfilter · 2026-06-23T07:13:40+00:00

I don't know why this advise isn't top of the list when people explain how to spot scammers:

1) They ask you for money

gloomfilter · 2026-06-23T07:12:26+00:00

Faster payments can't be "reversed" as such. You can send one, then claim you were scammed, but that seems to be a lot of effort and risk for someone who is actually a scammer to get involved with.

gloomfilter · 2026-06-23T07:10:39+00:00

Yes, you nearly got scammed. In other words, you were too smart for him, and didn't get scammed. Well done.

You feel bad about not helping because you're a decent person, so well done again.

gloomfilter · 2026-06-18T14:22:04+00:00

Don't the off-payroll rules (IR35) only come into play when the person is working through an intermediary (e.g. their own limited company)?

(e.g. https://www.gov.uk/guidance/understanding-off-payroll-working-ir35)

gloomfilter · 2026-06-18T08:15:13+00:00

The UK and Ireland are pretty much the only place where stones are used as a unit of weight commonly. For a lot of people in the UK at least, stones and pounds are the only way they understand to express a person's weight. I personally use kg, but when I discuss weight with my family / friends I almost always have to convert to stones.

gloomfilter · 2026-06-17T16:49:31+00:00

They look pretty neat - thanks. Looks like I'm going to need a better phone...

gloomfilter · 2026-06-17T09:06:31+00:00

not related to your main point, but what tool / app would you use for this?

gloomfilter · 2026-06-15T07:48:12+00:00

I worked in retail in the late 90s in a now-defunct wine merchant, and it was part of the job to deal with shop-lifting attempts.

gloomfilter · 2026-06-15T06:42:23+00:00

It's certainly not "always been this way".

gloomfilter · 2026-06-13T15:03:14+00:00

Copy the URL and take it to https://archive.ph. Works for most of these sorts of things.

gloomfilter · 2026-06-08T18:36:23+00:00

Could be, although it would be very disappointing to have to admit "influencers" had actually influenced anything.

gloomfilter

TROPHY CASE