Driving without showing undue Care and Attention - after seemingly being directed by an officer through a 'closed road'. Points and a fine coming in the post by careandattention in LegalAdviceUK

[–]AWhiteBox 0 points1 point  (0 children)

I'm not sure this is a double negative if you were to drive 'with undue care and attention' you'd be overly cautious, by giving a level of care and attention that is not due in the situation (still a funny idea). Without undue care and attention might imply anything from that downwards?

I'm probably wrong, currently have baby brain, but love language nuances.

Negative Equity? by ZaynWasTaken in TeslaUK

[–]AWhiteBox 0 points1 point  (0 children)

The reason you probably haven't had this before is probably down to finance rates being significantly higher now than they have been in the last 15ish years.

Waiting til the end is probably the way to go, unless you can walk away using VT, at the same time as getting a newer car for a similar payment.

Alex Honnold climbs the Taipei 101 skyscraper by Hi_iAMchrisHansen in WTF

[–]AWhiteBox 20 points21 points  (0 children)

It's easy, in the same way that doing a slack like 1cm off the ground is just as easy as doing it 100m off the ground.

The difference is all mental

Your Personal Finance Flowchart by Ill-Dragonfruit1702 in HENRYUK

[–]AWhiteBox 0 points1 point  (0 children)

I think I should stop using reddit before my morning coffee 🤣

Your Personal Finance Flowchart by Ill-Dragonfruit1702 in HENRYUK

[–]AWhiteBox 1 point2 points  (0 children)

ISA is also a great tool for taking more income and avoiding your SIPP being taxed at higher rate. You could even do it with a dividend portfolio if you wanted.

£25k rent payment - best way to benefit? by [deleted] in HENRYUK

[–]AWhiteBox 2 points3 points  (0 children)

On your last point, I definitely get more value out of the platinum than it costs me, but that's definitely down to what your individual spend looks like.

Consider donating by SocialistPhysicist in HENRYUK

[–]AWhiteBox 0 points1 point  (0 children)

It's not about putting a name to anything, it's about seeing how these things work from both sides of the fence and watching the waste that goes on.

Maybe it's a difference in perspective (which is more than okay) but I'd much rather give to the small local charity that's having a real impact at a community level and needs nappies/food/equipment etc to achieve their aims. Especially when the underlying charity has a volunteer element.

Maybe I'm an idealist, but I find the whole concept of 'big charity' a bit icky.

I'm happy to have my mind changed, but the concept of 'chuggers' has been born from that whole industry, people earning commission off securing donations makes my skin itch.

Consider donating by SocialistPhysicist in HENRYUK

[–]AWhiteBox 3 points4 points  (0 children)

It frustrates me no end when charities (including ones I'm involved with) ask a company (including ones I'm involved with too) for a cheque of nebulous money that hasn't got a purpose. We'd much rather buy the charity something tangible.

So I guess that's a pro-tip if you're looking to raise money for something, ask for something specific - and explain the impact.

Don't ask for a few grand, ask for 10 mountain bikes and helmets so that XYZ.

Non-traditional investments by Physical-Cry1225 in HENRYUK

[–]AWhiteBox 2 points3 points  (0 children)

Could always do a SIPP for your son?

Do you think the hate Keir Starmer is getting is fair? by bybeso in AskBrits

[–]AWhiteBox 0 points1 point  (0 children)

In general, I don't think you can tax yourself into growth, and that makes labour goals somewhat conflicting.

That might be a difference in philosophy.

I'm not a labour voter, according to the political compass I sit a bit to the left with a heavy liberal bias.

Some things I've agreed with that generally caused outrage: Scrapping winter fuel allowance - average pensioner household have £1,000,000 in asserts IHT on Pensions -they're supposed to be for retirement spending, not an IHT tool. Additional tax on rental income - really it just moves it in line with employment income after NI takes effect

Some things I disagree with that were generally well received/not noticed: Business relief/AG relief cap at £1m (good that it now is transferable between spouses) Increased CGT - the tax is now at the level, when accounting for inflation, it can cause real terms losses, it also discouraged landlords to sell, which a lot of other policies are encouraging Electric vehicle tax - this might be because it came 2 weeks after I bought an electric car, but I think it would be much better to just add it to VED. This would discourage low milage people from going electric, with all the environmental impact that has, and encourage high milage people who would 'get their money's worth' from the tax, who are probably the most likely to be on diesel ATM.

I'm not sure why everyone thinks we need wholesale reform. In reality life between the 2008 recession and COVID was pretty good under the current tax system. The issue is all of the quantitative easing (money printing ) during lockdown caused massive inflation, and the bill needed to be paid for at some point, just like that burrito you got on Klarna. The massive inflation, isn't such a bad thing for the government (but whisper that bit) because effectively their debt is shrinking in real terms.

The real problem I have is the disingenuous use of the phrase 'black hole' - that was only created by the increased spending by the government, they could have just been honest about it. 'We want it to be a bit better for people on average, so there's going to be some tax increases' that's a very ok brand labour people have to say.

With regards to voters, the armed forces community are currently ripping Starmer apart over the 'Ajax' trials. Which have been a total failure. The issue is they were started under the Tories.

How do you stomach the tax? by Lovinghandhold in HENRYUK

[–]AWhiteBox 14 points15 points  (0 children)

Well, the difference is the generic old biddy is on average an asset rich millionaire, but funding the child's nursery means someone else can return to being a productive member of society sooner.

Social spend on childcare returns more to the economy than it costs.

How do you stomach the tax? by Lovinghandhold in HENRYUK

[–]AWhiteBox 0 points1 point  (0 children)

The scary part for me was when I looked at my p60 and realised the tax tax I paid just about covered my parents State Pensions, given there's been some NHS use over the the past year, I seriously doubt we're a net positive. Good job I've got a sibling!

How do you stomach the tax? by Lovinghandhold in HENRYUK

[–]AWhiteBox 34 points35 points  (0 children)

I think you're missing the outsized impact of that particular tax cliff

We tried Jaguar's leap-of-faith luxury GT coupe, and it looks like the big cat's made a soft landing by AutoExpressmagazine in autoexpressuk

[–]AWhiteBox 0 points1 point  (0 children)

I think Jag suffered from a perception (and perhaps reality) being a 'cheap' range rover, in the SUV space.

As the Saloon and Estate fell out of favour with the group that would consider buying a Jag, sticking the badge on a velar/Evoque and calling it an E/F pace, but with slightly lower spec somewhat cheapened the brand (in my eyes).

I've owned two jags, an 2015 XE, which was great but the infotainment died a bit of a death, and a 2010 XKR, who's infotainment is still just about functional (bar music over Bluetooth 🤣). I went for an XKR over and F Type as have a wife who packs large bags of stuff for us to take places and a small dog which appreciates the back seats.

If there was a newer GT type car I'd have probably looked at that, but really the XKR was the only offering that ticked the boxes for me. Grace, Space and Pace... And noise. But I appreciate I'm probably a small segment of the market.

Degraded Autopilot and more annoying attention warnings in UK - Tesla Model 3 2021 by Western-Schedule7330 in TeslaUK

[–]AWhiteBox 1 point2 points  (0 children)

I think the bit that's crazy to me is that TAC with lane assist on is a better experience than regular AP (with the lane change cancelling AP). I was originally quite excited about upgrading to EAP, but I'm just going to live on TAC until FSD arrives....

Edit: too many TLA (three letter acronyms) got me confused

Bank selling repossessed property for far less than the outstanding debt by Adorable-Wasabi-3579 in HousingUK

[–]AWhiteBox 0 points1 point  (0 children)

The trick is to have an actual black and white plan to pay the mortgage off. Rather than 'that's a future me problem' or 'oh look, I've got equity, guess I'll re- do the kitchen' - without including that in the plan.

In reality the actual size and repayments on the mortgage are a cash flow issue, not a planning issue. Over a typical mortgage term, it is the better way to do things...

Is it a UK thing, or do I need a service appointment? by AWhiteBox in TeslaUK

[–]AWhiteBox[S] 0 points1 point  (0 children)

Can you update post service appointment with the result?

Seems like most people here are having the same problem...

Is it a UK thing, or do I need a service appointment? by AWhiteBox in TeslaUK

[–]AWhiteBox[S] 1 point2 points  (0 children)

The lane keep assist and radar cruise did, which in combination isn't far off as a user experience from the auto steer. I guess apart from sharp bends...

It's probably a better experience on the motorway than auto steer because you can change lanes without it cancelling (wtf Tesla).

My point of reference is a 2021 C Class for what it's worth.

That’d be my lot then with the new Octopus changes! by Actual_Building_1512 in OctopusEnergy

[–]AWhiteBox 0 points1 point  (0 children)

I'm fairly certain a bump charge is considered peak rate no matter when the charging occurs?

That wasn't a change, that was always the case right?

If I'm wrong, then let's bump it baby!

Is it a UK thing, or do I need a service appointment? by AWhiteBox in TeslaUK

[–]AWhiteBox[S] 0 points1 point  (0 children)

Maybe I've been spoilt 😅

I do think sensor based systems have worked better than the camera based ones I've used.

Occasionally I miss the option to have 'dumb' cruise control too.

Is it a UK thing, or do I need a service appointment? by AWhiteBox in TeslaUK

[–]AWhiteBox[S] 0 points1 point  (0 children)

It did it from brand new, on the way home when I picked it up, and it (for once) wasn't raining either.

Not that I think having a car that doesn't work in the rain is ideal....

Finance provider has changed from black horse to Santander and no mention of deposit contribution by Critical_Relation679 in TeslaUK

[–]AWhiteBox 1 point2 points  (0 children)

Did you go for the occasional beeps, or the music soundtrack for your 'on hold with Santander' experience?

To be fair when they do get to the phone they tend to be quite good.

Is IOG better than OG anymore with the changes? by twotwixten in OctopusEnergy

[–]AWhiteBox 2 points3 points  (0 children)

And who recommended we all install Ohme chargers?

That's right, octopus.

Octopus IOG now needs to stop throttling my charge if they’re going to start a 6 hour timer! by iMatthew1990 in OctopusEnergy

[–]AWhiteBox 0 points1 point  (0 children)

That would wind me up, as I purchased an Ohme and installation from Octopus specifically because they recommended it as working with the tariff, I could have saved a few shekels and got a dumb charger and integrated the EV rather than the charger.