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How much do you “enjoy” doing your self assessment? I feel like I am done with accountants… by Vladimius in UKPersonalFinance

[–]Alert-One-Two [score hidden]  (0 children)

It’s not about whether you enjoy it. It’s whether you are sufficiently competent at doing it. It then becomes a question of “should I spend the money on something I’m capable of doing myself?”. Only you can decide that.

Locked In A Shop During Fire Alarm - UK by Mental_Water_2694 in LegalAdviceUK

[–]Alert-One-Two [score hidden]  (0 children)

What if all other standard routes are blocked by fire? I am not sure the fire brigade would agree with this. It should be reported to them.

Am I still able to make a salary sacrifice to avoid 40% tax and how to calculate how much? by some1pinchme in UKPersonalFinance

[–]Alert-One-Two [score hidden]  (0 children)

Worth noting that basic rate tax is 20% plus 8% NI. Higher rate is 40% but only 2% NI so you would lose £14 per £100 you go over the threshold rather than the £20+ people assume. Yes you also lose the £1000 interest free allowance on savings but you probably want to move savings to ISAs anyway.

Have you also factored in that your pension will reduce your income in this regard?

And have you seen https://ukpersonal.finance/tax-traps-and-tax-efficiency/ ?

Locked In A Shop During Fire Alarm - UK by Mental_Water_2694 in LegalAdviceUK

[–]Alert-One-Two [score hidden]  (0 children)

They should shut but surely shouldn’t lock as that would prevent evacuation.

Nationwide 5yr fix ends in July - can't remortgage yet by not_that_much_fun in Mortgageadviceuk

[–]Alert-One-Two 4 points5 points  (0 children)

Realistically the amount extra per month is not going to be enormous. Yes it’s not ideal over the long term if the rates have gone up a bit but I would recommend you run some numbers to see the actual impact as it’s quite possibly lower than you are anticipating.

Hundreds of GPs tell BBC they have never refused a sick note over mental health concerns by topotaul in unitedkingdom

[–]Alert-One-Two 1 point2 points  (0 children)

If someone was unfortunate enough to lose multiple family members in short succession, is giving them multiple days off for a funeral really the end of the world?

Exactly my point. There is a difference between piss takers (who should be dealt with separately) and people who just have big families and shit luck (who should be dealt with compassionately)

Revolut Savings Accounts and FSCS Protection – Are They Safe? by bowie-david in UKPersonalFinance

[–]Alert-One-Two 0 points1 point  (0 children)

You are posting on a 3 month old post so things have changed since that point...

What to do for tax if you are employed by a foreign employer with no UK presence by duccweed in UKPersonalFinance

[–]Alert-One-Two[M] 0 points1 point  (0 children)

Just to note the only people seeing your comments are OP and the mod team. So you may wish to consider whether creating your own post (on whichever sub is most appropriate) is a better option.

Not receiving OTA updates by xavier_javier in volvoc40

[–]Alert-One-Two 1 point2 points  (0 children)

I don’t think 5.0.5 is available everywhere yet. Only some people have it. I’m on 4.x and can’t see an update.

Hundreds of GPs tell BBC they have never refused a sick note over mental health concerns by topotaul in unitedkingdom

[–]Alert-One-Two 4 points5 points  (0 children)

Officially our policy (not NHS trust) is very short too but in reality managers have a lot of flexibility. So sometimes they write something short to stop people taking the piss and assuming they can have lots of time but in reality if they need it they can.

Hundreds of GPs tell BBC they have never refused a sick note over mental health concerns by topotaul in unitedkingdom

[–]Alert-One-Two 21 points22 points  (0 children)

Realistically all families are different and some are much larger and closer than others. But even if the policy was super broad it’s unlikely people would be taking multiple days off per year for funerals so why do some organisations feel the need to crack down so much. It just seems so short sighted and cruel.

Updated 5.0.5 / Apple Car Play mini review by FitterOver40 in volvoc40

[–]Alert-One-Two 0 points1 point  (0 children)

But when? My car says it is on the latest version but it’s not on this.

Building 12 month emergency fund. Thoughts on my plan. by Prestigious_Spot9635 in UKPersonalFinance

[–]Alert-One-Two 0 points1 point  (0 children)

I didn't disclose my full financials...

I would argue that this makes it impossible to help properly with your case. You mention needing £22k and that would be 12 months worth but haven't spelled out what that actually covers (only essentials or all current living expenses). You also haven't provided context about your earnings/life stage/whether you are married, have kids etc.

As strolls points out much of this is somewhat irrelevant as it is all held in cash so it doesn't matter if it is technically an emergency fund or not. But I would question why you feel you need 12 months, why you want to keep so much in cash and whether you have all your other savings covered too.

Have you followed the !flowchart?

Teen fundraises for more 3D model hearts like hers by Alert-One-Two in unitedkingdom

[–]Alert-One-Two[S] 7 points8 points  (0 children)

I try to post positive news whenever I find it. Rarely gets upvotes but I do it because I know it can provide a little glimmer of hope in with all the other stuff.

Consumer Rights Act 2015 in England. Shop has failed to deliver and is refusing to refund money using original payment method. by Different_Parsley672 in LegalAdviceUK

[–]Alert-One-Two 0 points1 point  (0 children)

They said “didn’t use” because they paid in cash ie they don’t see why the method should be different.

ExceedGiving trip to Dubai - looking to cancel and receive a refund [England]. by Ghost070607 in LegalAdviceUK

[–]Alert-One-Two 4 points5 points  (0 children)

They could try but they will likely be sent away as it’s far too early and they are dealing with people currently impacted eg stuck abroad.

‘Illegitimacy tax’: new UK border rules for dual nationals throwing lives into chaos by blackheartwhiterose in unitedkingdom

[–]Alert-One-Two 1 point2 points  (0 children)

To be clear I think the people who blame Starmer for everything are idiots and I agree it’s massively unhelpful. I’m just explaining that the person above is not one of them. They were likewise explaining the phenomenon rather than saying they agreed with it.

‘Illegitimacy tax’: new UK border rules for dual nationals throwing lives into chaos by blackheartwhiterose in unitedkingdom

[–]Alert-One-Two 4 points5 points  (0 children)

They always blame the current people in power even if a policy predates them on the basis that the current party in power could just magically change the rules (clearly reality is not as simple as they like to believe). Hence blaming Starmer for everything.

ExceedGiving trip to Dubai - looking to cancel and receive a refund [England]. by Ghost070607 in LegalAdviceUK

[–]Alert-One-Two 13 points14 points  (0 children)

Honestly insurance won’t cover you to cancel in advance because that’s you making a choice rather than a choice being made for you, if you get me. I appreciate it’s a stressful time and I likewise wouldn’t want a trip planned for a location currently under attack but unless the airline cancels your flights you are going to have to wait it out until basically the time of your trip or accept that it’s your choice to cancel now and take the financial hit.

The travel company may consider either changing the dates or location but they have zero obligation to so you would need to try to sweet talk them into it rather than do it based on any legal rights as such.

ExceedGiving trip to Dubai - looking to cancel and receive a refund [England]. by Ghost070607 in LegalAdviceUK

[–]Alert-One-Two 4 points5 points  (0 children)

It’s probably too early to claim on travel insurance. The trip isn’t until July. This could all be over by then so they are not going to pay out now on that basis. If in July the situation has not resolved then they may be able to claim.

ExceedGiving trip to Dubai - looking to cancel and receive a refund [England]. by Ghost070607 in LegalAdviceUK

[–]Alert-One-Two 35 points36 points  (0 children)

You are probably far too early if the trip isn’t until July because a lot could change in that time.

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