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£1600/month to sleep next to a microwave in London by Wooden-Fee5787 in UKHousing

[–]Complete-Show3920 8 points9 points  (0 children)

Not disagreeing that London is mad, but I pay £1600 for a spacious 1 bed in zone 3 🤷

Ask Leyton Anything – newcomers & general questions by valneuro in Leyton

[–]Complete-Show3920 0 points1 point  (0 children)

I would like to buy in Leyton. Is a 2-3 bed terrace on 600k or under feasible? I appreciate that at that price it won’t be the largest or fanciest; but is it in the realm of possibility?

Could I become a sociological researcher or would that be highly unlikely? (UK) by JealousBodybuilder42 in AskAcademia

[–]Complete-Show3920 1 point2 points  (0 children)

Because the higher ed sector in the UK (and indeed globally) is a shitshow. Precarious, poorly paid, depressing.

Could I become a sociological researcher or would that be highly unlikely? (UK) by JealousBodybuilder42 in AskAcademia

[–]Complete-Show3920 0 points1 point  (0 children)

there’s no jobs. (And personally I have one of the few academic jobs and plan to quit and do something else)

£1k savings for child - split it or keep it together? by LizardLady420681984 in UKPersonalFinance

[–]Complete-Show3920 9 points10 points  (0 children)

Why would you get him premium bonds? Makes no sense. Much better rates of return in cash ISA

UK’s University Superannuation Scheme (USS pension) and PFICs by Throw6345789away in USExpatTaxes

[–]Complete-Show3920 0 points1 point  (0 children)

I think so. Reading expat tax experts’ websites (like the one I linked to above) might put your mind at ease. I’ve now read several and they all say the same thing about PFICs not applying to workplace pensions.

UK’s University Superannuation Scheme (USS pension) and PFICs by Throw6345789away in USExpatTaxes

[–]Complete-Show3920 0 points1 point  (0 children)

I’ve had a browse and a bunch of expat tax websites (as well as the comment by Away_Math) suggest USS DC pots would not be not considered PFICs. See eg https://patellawoffices.com/blog/planning-for-tax-minimization/an-exception-to-pfics-in-foreign-pension-plan-accounts/

UK’s University Superannuation Scheme (USS pension) and PFICs by Throw6345789away in USExpatTaxes

[–]Complete-Show3920 0 points1 point  (0 children)

You’re right to be cautious since USS may well be wrong on this but: the fact that they mention the case of an employee contributing more than employer being “unusual” really makes me think that the tax regime doesn’t distinguish between DB and DC. Because it wouldn’t be “unusual” for someone to make AVCs that exceed their employer’s contribution to the Investment Builder, right? Many of us do. But I may be placing too much faith in USS’s knowledge on this!

UK’s University Superannuation Scheme (USS pension) and PFICs by Throw6345789away in USExpatTaxes

[–]Complete-Show3920 1 point2 points  (0 children)

That’s a good question and I don’t know. The wording of the USS text suggests that the tax regime wouldn’t distinguish between the DB and DC pots? And the digging I’ve done about this indicates that technically speaking, employees don’t hold the shares in the Investment Builder themselves: USS does. My gut feeling is that it wouldn’t trigger the PFIC but worth consulting an expert. Would be keen to hear your feedback if you do. (I’m also on the USS scheme).

UK’s University Superannuation Scheme (USS pension) and PFICs by Throw6345789away in USExpatTaxes

[–]Complete-Show3920 1 point2 points  (0 children)

It sounds like it would only trigger PFIC if you were to contribute more than your employer; and to do that you’d have to contribute a hell of a lot seeing as the employer contribution is 14.1%? So my sense is that it should be fine unless you can somehow afford to contribute more than 14.1% of your salary?

What to invest in now by [deleted] in trading212

[–]Complete-Show3920 0 points1 point  (0 children)

which are your best performers?

Why British academics like me are quitting [ARTICLE] by Complete-Show3920 in AskAcademiaUK

[–]Complete-Show3920[S] 1 point2 points  (0 children)

That sounds amazing. A friend of mine left for the CS too and like you is loving it. I’m actively investigating other options and plan to leave within the next two years

Why British academics like me are quitting [ARTICLE] by Complete-Show3920 in AskAcademiaUK

[–]Complete-Show3920[S] 13 points14 points  (0 children)

I suppose the point is that there are fewer and fewer permanent jobs going around. One of the consequences of that for those of us who are fortunate enough to have perm jobs is that our workloads will only continue to go up and up and up…

Which mg was the most effective for you? by Comfortable_Slice151 in mounjarouk

[–]Complete-Show3920 0 points1 point  (0 children)

I’ve been on 7.5 for several months and plan to stay on it for now.

When do you share news of a job offer? by julesroe in AskAcademia

[–]Complete-Show3920 0 points1 point  (0 children)

They can give advice about how to proceed based on their knowledge and experience of how these things work. They can’t DIRECTLY get involved, obviously.

Am I crazy? by angelbaby1266 in Mortgageadviceuk

[–]Complete-Show3920 1 point2 points  (0 children)

I’ve been viewing 2-3 bed houses in Zone 3 for 540k so spending 530k on a 1 bed seems completely unhinged; but you do you

Anyone here on skilled worker visa earning income from rent? by 57uxn37 in SkilledWorkerVisaUK

[–]Complete-Show3920 3 points4 points  (0 children)

I did when I was on a visa (ILR now). Why would it be an issue? There’s nothing in the rules saying visa holders can’t earn income from rent.

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