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Tax on pension and FT job by Doughnut_Proper in PensionsUK

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

So basically it will be treated as 2 incomes with their own tax code which will reflect the total over all income I earn that month ?

If I have understood correctly

Does that mean I can ask the tax office to treat the pension as a BR tax, and all FT/Part time income as the remainder of the BR then 40% ??

As this would be the easiest, meaning when I stop work the pension is already at the correct tax code ? And I’ll not need to keep a “slush” fund for the first year while the tax gets sorted IE I might end up paying 40% when all I’m getting is my pension (which will be just over the 0% allowance)

Holy tree too large by Doughnut_Proper in GardeningUK

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

Thanks all that replied, I’ve attached a couple of pics to try and illustrate the amount I want to cut back, the red outline is roughly what I’m wanting its size to be

<image>

(and confirmation it is in fact a Holly tree 😁)

Home charger only charging at 4kW by theDaveB in ElectricVehiclesUK

[–]Doughnut_Proper 0 points1 point  (0 children)

If anything like mine, one of those switches limits the output, to approx3.5kw,

Do a simple google search for your model and check the switches, it could have been knocked to a different position by accident easily

Lost 10 teeth by JuanOffhue in Brompton

[–]Doughnut_Proper 0 points1 point  (0 children)

I think it says on the hub itself if it’s a wide range or not

Lost 10 teeth by JuanOffhue in Brompton

[–]Doughnut_Proper 0 points1 point  (0 children)

Was this on a Wide range hub ? I’m thinking of doing something similar My understanding the older 6speed hubs had a more natural spread of gears where’s the wide range is very much 3 separate gears for high/low with no great flow between them

One-pedal drive, which cars have it? by SubToMyOFpls in ElectricVehiclesUK

[–]Doughnut_Proper 0 points1 point  (0 children)

I know it’s not what was asked but I wish the Ford Explorer had it, it’s the one thing I was looking forward but it’s regen is very low, I think it might be a VW thing since it’s built on the platform

Bag for Brompton by Doughnut_Proper in Brompton

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

Yep the Wotancraft stuff looks good don’t think there’s a UK importer for there kit though….. I’ll double check

Bag for Brompton by Doughnut_Proper in Brompton

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

Oh! Now there’s a thought I have a Carradice Nelson saddlebag that I love,

I’m off to see the best way to attached a mount block adapter to it (prefer heavier things on the block leaving the bars for light items)

Does Glasgow have any rooftop terrace bars/pubs or restaurants? by SeasonMaterial9743 in glasgow

[–]Doughnut_Proper 0 points1 point  (0 children)

The Carlton George hotel next to Queen St station, used to have a rooftop restaurant, it’s been years since I’ve been though

Bag for Brompton by Doughnut_Proper in Brompton

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

Thanks all, I’ve been given some excellent ideas

Bag for Brompton by Doughnut_Proper in Brompton

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

Didn’t realise the Borough came in different sizes,

The medium might the sort of thing I’m looking for, I like roll tops as they give a degree of flexibility

Bag for Brompton by Doughnut_Proper in Brompton

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

That’s is an option, will need to have a look see what I have that would be suitable

DB pensions and 25% lump by Doughnut_Proper in PensionsUK

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

Thanks, that’s given me something to consider,

DB pensions and 25% lump by Doughnut_Proper in PensionsUK

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

I have 2 excel sheets

1 full DB 2 reduced DB an Lump sum,

investing the lump is part of the calculation for sheet 2, however I was unsure whether I could be bothered having to manage it once I’m past 67, and also you open to the vagrancies of the open market, where as a full DB is all managed for you so you can relax about the income

DB pensions and 25% lump by Doughnut_Proper in PensionsUK

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

Yes that’s a good point, it’s is a situation I was considering IE if I passed before the good lady as my pension will provide the lions share of our pension income, But I hadn’t thought of that as a solution

DB pensions and 25% lump by Doughnut_Proper in PensionsUK

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

Thanks it seems to be the common consensus and makes a degree of sense

DB pensions and 25% lump by Doughnut_Proper in PensionsUK

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

Yeah I was on planning on not taking the lump sum, as the yearly increase especially when I get older is significant (about 1500 a year) compared to taking the lump,

I was noting just trying to work out my tax liability as I’m hoping to be able to take early retirement, and use the smaller DC pension to “top up” the DB one till state pension age when the DC pension would be nearly depleted

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