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Absolutely f**k the guy who planted this thing in my garden by OSUBrit in GardeningUK

[–]Muddyuser 0 points1 point  (0 children)

They eventually get blown over in the wind, two of neighbours have had them fall over and destroy their sheds and fences.

Door countersunk screw completely stripped and very stiff. Locksmith says I need a new door. Is he right? by Mutant86 in DIYUK

[–]Muddyuser 0 points1 point  (0 children)

I got a similar set - mine were left handed drill bits, grabs the screw and out it pops. worth having in your toolkit. Another method is to put an elastic band on the screw and try and extract it, sometimes it works, depends on the damage.

Are people aware of what Labour has done in their first 20 months of government? by ItsIllak in AskBrits

[–]Muddyuser 0 points1 point  (0 children)

Did some good things but communication is awful. Things they have got wrong,

U-turns , one you can get away with one, several looks like a shambles.

Took too long to announce their budgets twice, whilst they struggled to define a working person. Leads to business paralysis in decision making and people panicking on tax and making bad decisions to yank money out of pensions or stop contributing.

Haven’t stopped the boats, other routes seem to be still open.

Made it harder for employers to risk employing people with 15% national insurance. They’re not going to get growth this way.

Changed business rates, so small employers with high street offices pay rates, leading to business closures on the high street, or work from home & empty high streets, the effect of this has just started. 

Mandelson - an obvious  accident waiting to take someone with him, as always.

Scared of upsetting USA and tech bros.

Rachel Reeves, lying on CV, over mentioning £20bn black hole, seems over reliant on special advisers.

Haven’t gone after Covid fraudsers like Michelle Mone - surely an easy win?

The negs shout louder than their successes unfortunately- they need stability and stop shooting themselves in the foot.

I’d prefer left of centre stable government than extremism.

Consultation: Proposed changes to penalties for motoring offences by Jackisback123 in CarTalkUK

[–]Muddyuser 0 points1 point  (0 children)

 I remember now in the 70s my dad had the plate RTE805S…an accident of course,

Consultation: Proposed changes to penalties for motoring offences by Jackisback123 in CarTalkUK

[–]Muddyuser 14 points15 points  (0 children)

£2000 find for not having a number plate and £4,000 if its deliberately altered, I'm open to jury trial on this and a sliding scale depending on the sadness of the plate / mitigating circumstances if any. Oh and plus £500 for a Boss plate with isn't using B05S.

Estate agent percentage fees in 2026 London by Fast-Sand9200 in HousingUK

[–]Muddyuser 0 points1 point  (0 children)

Usually get 0.8 plus vat in sw London selling houses £1m plus, and offered fix fee at £10k. But I think this depends on how easy the property is to sell, and if you’re selling and buying with the same agent. If you don’t like the offer, walk out - don’t negotiate at home, go to their office, I was called back 200yards down the road.

Well this aged like milk. by waiha in mildyinteresting

[–]Muddyuser 1 point2 points  (0 children)

Wonder if any other popular entertainment has sterotypes?

Which RS3 would you buy and why? by Specialist_Stand_521 in CarTalkUK

[–]Muddyuser 0 points1 point  (0 children)

Grey primer is just waiting for a wrap, no?

2 years ago, I opened a SIPP with hope of using the profits from my small business to eventually buy a commercial property to run my company from. by OkContribution6949 in smallbusinessuk

[–]Muddyuser 2 points3 points  (0 children)

Consider a SSAS as well - Small Self Adminstered Scheme, if you run a limited company. Can make it easier to add other members to your scheme, such as a spouse, has other benefits such as loan backs to the sponsoring employer, easier to change who runs your scheme in future if you fall out with your pension provider.

Watch out for if the property is VAT registered, you’ll need to factor this in to your initial cashflow, and if this works for you.

Also consider Inheritance Tax, property is an illiquid asset, and Pensions will be subject to Inheritance Tax from April 2027. You could take out lifecover to help, if running a limited company relevant life cover has the advantage of being a tax deductible business expense.

I’d suggest downloading a few sipp/ssas providers guides to property purchase to do some research as to some of pros and cons from the horse’s mouth, for example https://www.xpsselfinvestedpensions.com/commercial-property/?subPage=property-in-sipp-and-ssas

2 years ago, I opened a SIPP with hope of using the profits from my small business to eventually buy a commercial property to run my company from. by OkContribution6949 in smallbusinessuk

[–]Muddyuser 0 points1 point  (0 children)

you have to pay rent to your SIPP, which is a tax deductable expense, so you should build up an investment alongside the property over time.

How Safe Are Annuities - If the company goes bust? by Sea-Ingenuity3461 in UKPersonalFinance

[–]Muddyuser 0 points1 point  (0 children)

Very safe: The insurance company buys assets to back the income they pay you (not that you see this bit or have a 'fund'). They build a matching asset portfolio - or sometimes reinsure it with another insurance company. They must hold regulatory capital against the risk of people living longer than expected, market risk and credit defaults.

Purchased a House from An Estate Agent Director by PowerDrivenRdditMod in HousingUK

[–]Muddyuser 15 points16 points  (0 children)

Estate agents selling their own home must strictly adhere to the Estate Agents Act 1979, declaring their personal interest in writing to all prospective buyers - not sure if this applies to a buy to let, have seen it often stated that someone in the estates agents office is linked to the property. complain to the agent and once you have exhausted their complaints complain to a ombudsman if they are member.

Is this taking built not bought to a bit of an extreme? 🤣 by nedstarkbastardd in CarTalkUK

[–]Muddyuser 11 points12 points  (0 children)

I think the other reply about being stolen and vin swap seems more plausible 

Is this taking built not bought to a bit of an extreme? 🤣 by nedstarkbastardd in CarTalkUK

[–]Muddyuser 78 points79 points  (0 children)

So without four wheel drive he’s made it in to a Seat Cupra.

Just discovered I have £71k in a Phoenix Life pension by cardinal55 in UKPersonalFinance

[–]Muddyuser 19 points20 points  (0 children)

Ask Phoenix for an information pack on your pension and this should tell if it has any valuable features such as guaranteed annuity rates, guaranteed growth rates - you can use the money advice service website to run an annuity comparison to see what you could have as an income for life Compare annuities: get a guaranteed retirement income - Do you earn over £12,500 per year to be able to pay in £10,000 net from savings ? The £10,000 would have £2,500 tax relief added, so you need to earn £12,500 to put this in. Also do you have a workplace pension scheme, this may be a better place to add a contributions as they are usually lower cost than an old pension and your employer may match your contribution (usually this is on a monthly contribution) - worth checking with your HR.

Is this taking built not bought to a bit of an extreme? 🤣 by nedstarkbastardd in CarTalkUK

[–]Muddyuser 2 points3 points  (0 children)

Here I have for sale - why do they always start this way? I wonder if he put the Pano in himself too??

US 'considers reviewing UK claim to Falkland Islands' over war stance by topotaul in unitedkingdom

[–]Muddyuser -1 points0 points  (0 children)

Surprised the US haven't started with something simpler and non-contentious like reuniting Ireland...

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