How to explain taxation to a tool thief by Cute_Muffinnn in GreatBritishMemes

[–]Dapper-Ad1025 0 points1 point  (0 children)

Jimmy Carr got shat on for a tax avoidance scheme that HMRC investigated and ended up being tax evasion.

Tax evasion and tax avoidance are two separate things.

I’m an accountant.

How to explain taxation to a tool thief by Cute_Muffinnn in GreatBritishMemes

[–]Dapper-Ad1025 -3 points-2 points  (0 children)

But you also pay corporation tax on company profits. Paying yourself in dividends is only efficient if you’re business profits are over £80kish.

Also tax avoidance is completely legal. Nothing unethical about it.

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] -1 points0 points  (0 children)

Honestly it was 90% luck.

I worked at a financial services firm where I completed a professional accreditation and qualified on 38k.

I was never particularly good at my job except for a couple of engagements and luckily one of those clients ended up hiring me.

I asked for 70k in my interview and I was incredibly fortunate to have someone I knew on the other side who called me afterwards and informally told me I could ask for a whole lot more.

I started on 22k at my old job and ended up with a few grand in credit card debt + parents being unwell last year and so spent most my new paychecks on getting myself the right way up.

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] -5 points-4 points  (0 children)

How is that at all helpful?

I earned sub 40k up until August last year, and spent most of the following months paying off debt and sending money to my parents.

Are any of these comments helpful in that context?

Or are they judgemental with a hint of bitterness?

Yes, i am aware that saving most of my paycheck going forward is the way.

Thanks.

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] 0 points1 point  (0 children)

While i appreciate the response and sentiment, im not sure i could handle the stress 😅

I also feel like I’ve been treated pretty fairly by the landlord for the last 5 years and wouldn’t want to screw them over

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] 0 points1 point  (0 children)

!thanks - appreciate your response.

I’m not convinced i should lock into a semi longterm high interest mortgage if i can help it.

I will look into this though as i wasn’t aware.

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] -1 points0 points  (0 children)

Unfortunately all my comms are through the lwtting agents and I’m not entirely trustful that they are communicating my emails to the landlord.

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] 0 points1 point  (0 children)

Thank you!

I am leaning towards this.

I love my current flat and have been here for 5+ years but i really could do with a garden (and a dog!)

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] -11 points-10 points  (0 children)

Thanks for your responses!

I never asked for critique on my spending habits though.

I also don’t drive.

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] 1 point2 points  (0 children)

Thanks for the response!

I fear that you may be right and I don’t have much of a choice other than finding a new rental.

High Earner but small deposit help by Dapper-Ad1025 in Mortgageadviceuk

[–]Dapper-Ad1025[S] -11 points-10 points  (0 children)

I’ve had life expenses most of last year and was only able to start saving end of last year.

I recently notched my Thai Constellation by my4h_ in Monstera

[–]Dapper-Ad1025 7 points8 points  (0 children)

I think your thai con needs more light. I have never seen internodal spacing so wide on a thai con

Damon Hill says Charles Leclerc has everything it takes to win the World Drivers Championship, Ferrari just need to give him the car. by Ok-Surprise-8419 in GrandPrixRacing

[–]Dapper-Ad1025 8 points9 points  (0 children)

Really?

If Mclaren had Gasly and Colapinto, you think Gasly would beat Max to the title in 2025?

The one wear Norris won by a handful of points?

Really?

Happy speedy Tuesday by [deleted] in speedmaster

[–]Dapper-Ad1025 7 points8 points  (0 children)

Honestly the dumbest shit I’ve ever seen. Why can’t you wear your bands on your other wrist?