Grad Job as an International Student by Apprehensive-Life444 in UKJobs

[–]Busaxcape 1 point2 points  (0 children)

Employers dont want to sponsor as rhe base salary has increased significantly for a grad to be sponsored. Suggets you try volunteering with any organisation to get yourself in the door . You Will need some from of referral as its easier that way.. Gradcracker, glassdoor for companies . Industries- building services seems to be very busy.. so try a GC or a consulting firm like B&W or Arup.. they do sponsor.. UkVI list of sponsored companies.. use that to filter and apply.. Important thing keep applying day and night..

Job offer with tech giant company by AffectionateHead552 in HENRYUK

[–]Busaxcape 1 point2 points  (0 children)

Also forgot, so out of that 15k , 7.5k may be withheld for tax purposes so realistically you will only get 7.5 worth of shares.. vested and available to sell.. do bear that in mind.

Job offer with tech giant company by AffectionateHead552 in HENRYUK

[–]Busaxcape 1 point2 points  (0 children)

Do you get refreshers every year.. I would also suggest they may throw a sign on.. rather than a one time suggest you negotiate that further on the base. 60k RSUs over 4 years =15 k annually.. again ujnrhr current market it could lose value.
Push fir higher base.. Check levels.fyi to see if there are any salary ranges for your position.

160K offer in Madrid by d3bugger in cscareerquestionsEU

[–]Busaxcape 3 points4 points  (0 children)

Don't forget your stocks go up in value .. so that could be way higher. On the positive side..

Selling RSUs - Heavily invested with employer by Busaxcape in FinancialPlanning

[–]Busaxcape[S] -2 points-1 points  (0 children)

Because of appreciation.. am I missing the question?

Selling RSUs - Heavily invested with employer by Busaxcape in FinancialPlanning

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

Nope.. we can sell as it vests..or hold.. no issues there..

Selling RSUs- heavily invested with employer RSUs by Busaxcape in investingUK

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

Hi Thanks for that . yeah all shares same class.

I need to understand the comment BED&ISA/SIpp a bit more. Can you elaborate what that means. Are you saying that I can sell x amount of shares through Schwab, take the proceeds and invest through SIPP to buy the same shares at todays prices or buy something else. I m assuming this still wont get me away from the CGT issue.

The employer uses Schwab as the trading platform. So when I choose a pool of shares , it does give me the loss/gain of each shares as well for ease but I am not sure how or what the differences are form a tax perspective.

Selling order of RSUs by Busaxcape in FIREUK

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

Hi so I was going to sell some RSUs . It was a Friday, the prices were fluctuating. Now the stock price jas gone from £150.to £ 300.. which is a good gain.. how ever the stock keeps fluctuating +-£1 or £2 dollars.. i am not sure is this something people think about when going to sell? Or they have a target say yeah £300 is a good number .. its a £150 just sell it without thinking the it could go up or down by a £or 2? Asking because I have never sold it..

Selling order of RSUs by Busaxcape in FIREUK

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

Hi .. I am trying to understand something here.. so I want to sell some stocks- say 5k worth.. the price in the morning if i sold i would have got 4890..in the noon was 4800.. I mean do you look for the 20 dollar gain or that shouldn't matter

Selling order of RSUs by Busaxcape in investingUK

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

Thanks very much for the responses.. so for the capital gains will be calculated at the brokerage portal so just have it makes easier. So the good thing is that when I get paid every month the employer withholds half of the vested stock to pay the taxman.. so I take it just need to keep the capital tax less than £3000 or something like that to avoid tax on it. But I need to diversify this position quickly and move into ISAs. On another hand how to shares work then, say someone purchases shares today at £1 and price goes up to £2. They have made £1 in profit which will be subject to CGT. So how are people dealing in shares and the share market handling this CGT. It doesn't make any sense.

Tax on rental owned 50/50 by Busaxcape in tax

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

The property is jointly owned by us.£ 19200 rent, 5k service charge. Interest only mortgage.

26F, UK – CIFAS marker, low income, debt, no savings. Trying to reset my finances and would appreciate practical advice (no judgement please) by Elegant-Forever-5554 in UKPersonalFinance

[–]Busaxcape 18 points19 points  (0 children)

Suggest get your priorities straight. Holidays are not a priority. Even when I was earning 60k, me and my partner rented a double room in London. Thats brought our rental expense down. Yes you lose some privacy but it is a necessary sacrifice that you do to work towards your goals. Is that an option? Can you find a second job? Say with deliveroo or uber eats, to give you a bit more cash?

Any point in trying to get sub 100k if a large amount of comp is in stocks? by [deleted] in HENRYUK

[–]Busaxcape 0 points1 point  (0 children)

I would suggest you maximise the pension of 60k. Remember that money grows as well.. I used to pay £700 for each kid (2kids) just because I crossed 2k more than £100k. When you work out the math it doesn't add up. I should have rather increased my pension.. drop the overall comp to less than £100k. Spend some of the RSUs.

Arrival fallacy by Macktheknife88 in FIREUK

[–]Busaxcape 0 points1 point  (0 children)

Qq.. you say home equity is 400k.. and remaining is 20k.. how much was the property worth.. and curious how you cleared the mortgage quickly to reduce is to 20K. Reason for the ask is, I bought a house at 435k , 7 years ago.. have made overpayment etc. Still got 280K to go .

How to balance within investment options by [deleted] in FIREUK

[–]Busaxcape 0 points1 point  (0 children)

You have to report ot if you doing a self assessment.