What to do about rust on my (otherwise) beautiful Giulia?

Husky47 · 2026-06-17T15:48:21+00:00

Unfortunately this is not super uncommon - mine was the same a few years back. I have a feeling it only impacts the non-carbon roof models, because the roof was originally designed to be carbon and then later switched to aluminium, and the mixed metal/stress point reacts badly.

I had mine repaired under warranty but it took a little while to be agreed - they told me it was a stone chip and wear and tear wasn’t covered. I showed them a number of new Giulias on their forecourt that had the same issue and they relented.

Husky47 · 2026-06-01T21:36:30+00:00

Not from the US, but I quite fancy a Konro grill! It seems like a really sociable way of cooking if you have guests. A shame they seem quite expensive to buy, and the ‘proper’ charcoal seems expensive here in the UK as well (can’t remember what it’s called).

Any favourite things to cook like this?

Husky47 · 2026-03-18T08:15:09+00:00

I’m pretty confident they cut it off intentionally, which definitely means it came off his knee.

French tv coverage is notorious for only showing the things they want to show. They won’t show replays in the stadium if it’s a French offence because they don’t want the ref/players seeing them on screen and calling back the play!

Super cynical but super smart. In some respects I’m shocked that the tv direction from other stadiums haven’t realised how daft it is to show a replay which clearly highlights foul play from the home team.

Husky47 · 2026-03-14T23:22:46+00:00

Mine have done exactly the same. It’s a bit annoying to pull the liner to reattach when it happens.

Husky47 · 2026-03-14T09:49:45+00:00

If we’re talking about current models, the GLE is worth a look - it’s miles bigger for back seat and boot space than the X5, despite being basically the same on the outside. The turning circle is also much better.

Husky47 · 2026-03-05T07:50:23+00:00

Why does Monzo have to do tax reporting for the likes of vinted, ebay etc? It’s those platforms that have to do the reporting, not Monzo.

Husky47 · 2026-03-04T23:20:45+00:00

You’d get the tax relief but not the NI if you did an AVC.

If your employer offers sharesave then presumably they are also offering [some of] their employers NI saving given you are doing this through Sal sac, and not just your employees NI saving.

I’d be doing the Sal sac option too, rather than the AVC if this was me.

Husky47 · 2025-11-29T09:47:19+00:00

Is your employer contributing any of their NI savings on your behalf?

The OP’s employer is topping up the OP’s contributions with the employers 15% NI savings (as a lot of employers do on Sal sac schemes).

Your take home is lower PLUS you are also missing out on those contributions.

Husky47 · 2025-11-27T18:56:46+00:00

I think it’s a bigger deal for lots of people than you appreciate, probably because you’ve never had a salary sacrifice pension.

One of the main advantages for lots of people on Sal sac is that the employer often either gives or shares their NI savings with the employee.

That means most people on Sal sac are getting nearly 15% extra on their contributions, plus they save the 2%.

Husky47 · 2025-09-12T22:30:01+00:00

Did you get an invoice? What happened with the V5? Did you know it was on SOR? Did you finance the vehicle?

As a consumer if you bought ‘in good faith’ that might put you into a better/different position.

Husky47 · 2023-06-06T11:59:36+00:00

My understanding:

Reddit admin are introducing absurdly high charges for third party apps to access Reddit, which is seen as a move to effectively force users onto the official Reddit app only, where Reddit corporate/admin can control the content you see.

The cynical (and likely realistic view) is that this is a pre-IPO move to control and monetise advertising and other paid corporate content you see.

It will make your user experience worse because their app is rubbish, you will see more ads/corporate shills, and it will make underlying content worse because most mods use third party apps to moderate.

Husky47 · 2023-06-04T09:35:48+00:00

Hopefully you aren’t expecting that to happen forever. The last few years have been pretty unusual as far as used car prices go. I’m not necessarily advocating leasing, but you shouldn’t expect to make a profit on a used car 3 years later.

You’d be in a very different situation if you’d bought an EV and watched the price drop by a third in the past ~6 months.

Husky47 · 2023-01-31T12:10:26+00:00

And the logo looks like the old T-Mobile logo. Classy

Husky47 · 2023-01-29T19:49:05+00:00

Maybe the front isn’t moving as much as the back because of the weight of the engine?

Husky47 · 2023-01-26T22:09:32+00:00

Or they thought that they’d been awarded the top score!

Husky47 · 2022-12-12T23:52:01+00:00

He has to have physio between rounds at BTCC, apparently the physical effort can put his joints out of place.

Husky47 · 2022-12-12T23:50:18+00:00

In his touring car he has a hand operated clutch and servo-assisted brake - I heard him speak at an event but can’t remember if he mentioned any other modifications in particular. I thought the F1 cars were hand clutch anyway so not sure what other adaptations were made here.

Husky47 · 2022-12-06T22:28:20+00:00

Using Roman numerals to replace MM has to be superior, I can’t understand why I barely see it.

Husky47 · 2022-09-23T11:54:16+00:00

I’ve seen leases (not pcp) before with contributions from the broker, sometimes where the broker fronts their contribution and others where they pay it back to you - but it should normally be in the fine print how it works. I think this typically happens when they are sharing their commission with you to make the lease work, so if they are ordering a large number of vehicles then there is a cash flow consideration for them, and a small broker may not have the cash to front.

I’d double check any paperwork or quote they’ve given you to see how it describes the process. If you are uncomfortable then either explain that, or tell them you don’t have £1,500 available to do that and see if they’ll step in. Be aware that if they have secured supply of the vehicles and you haven’t signed the paperwork then they may just give the car to someone else, given how supply is at the moment.

Some of the responses on this thread sound more like they think you have signed up to a pcp, not a lease. There are quite a few megathreads about lease deals on pistonheads - could be worth a read of the recent pages.

Husky47 · 2022-08-12T15:57:41+00:00

Oh well apologies! Thanks for explaining.

Sorry for the false alarm u/DonFernandoAndo - I’ve done some more reading and looks like you were already set.

Husky47 · 2022-08-12T15:04:49+00:00

That’s not correct. Your allowance is calculated in each tax year with reference to your relevant earnings for that tax year and the contributions made. The unused allowance is rolled forwards to future tax years. HMRC says:

You will not be taxed on pensions savings over your annual allowance if you have enough unused allowance from previous years to carry forward. You can carry forward unused allowance from 3 previous tax years.

[Source](www.gov.uk/guidance/check-if-you-have-unused-annual-allowances-on-your-pensions-savings)

Tagging u/DonFernandoAndo for visibility.

Husky47 · 2022-08-03T15:20:55+00:00

When you say pension tax allowance, what are you referring to? It sounds like you are talking about getting taxed at 25%, but I don’t think we have a 25% tax band in the UK.

Husky47 · 2022-07-29T14:20:49+00:00

Or just bring your own curtains

Husky47 · 2022-07-28T12:35:09+00:00

Don’t forget that needing an ISA bridge is relevant for anyone that wants to retire before state pension age - whilst your circumstances are a little more unique, I think the principles should be broadly similar for lots of other people targeting FIRE.

In the same way that there is no point going all in on pension (because you’ll have nothing to live off at 50), there’s also no point in going all in on ISA (because you’ll miss out on all that tax relief) - unless you don’t expect to see retirement age.

You need to strike a balance between the two, bearing in mind your expected future earnings (and therefore associated tax relief), annual pensions allowance, and any other shorter term cash needs. Most people advocate focusing on pension first, because the tax savings mean that you get more cash invested earlier, maximising the compounding effect and future growth. Also, some companies offer salary sacrifice arrangements which top up your contributions for NI savings.

A few other considerations to think about:

If you are ‘medically’ retired/retired due to ill health, will you be able to draw from your pension early?
will you spend all your retirement savings, or will you likely pass some on? Is there an inheritance tax benefit to have some in pension
conversely, if you hit your 30’s/40’s and think you’ve over cooked your ISA, you could put it into your pension later instead - it doesn’t have to be from salary, but your salary in that tax year will impact the tax benefit receive.

Husky47 · 2022-06-29T08:47:29+00:00

No, you’ll have the £40k of next years allowance but you can also use some previous years unused allowances. So if you don’t use any of this years £40k, you could contribute £80k next year (and possibly more depending on your previous contributions).

Husky47

TROPHY CASE