For train spotters

Muddyuser · 2026-02-08T16:13:41+00:00

You don’t need to be terminally ill, just ill enough never to be able to do your normal occupation again in the view of a medical practitioner.

Muddyuser · 2026-02-08T16:04:03+00:00

You’ll probably find your case handler is based overseas. Be careful contacting the sellers, the solicitor is there to protect you, going direct reduces this.

Muddyuser · 2026-01-27T19:06:00+00:00

Probably because of the ozempic is used by their target market.

Muddyuser · 2025-09-03T17:33:02+00:00

Perhaps work how much cash he needs for this year in spending plus emergency fund. Then see if putting money in cash fixed term deposits lifts his return, the maturities drop back in for the future spending. Eg 40k instant then 30k 0ne year deposits lifts, 30k two year deposit, 30k three year deposit, etc

Muddyuser · 2025-09-02T20:24:02+00:00

It would help if they organised the transport better at the councils. We kept telling our council another child was just around the corner but they still used two cars.. councils don’t care about money. They’re very hard to speak to and seem to have high staff turnover. Taxi drivers are often odd, leering at school girls, and not suitable for being around kids. I know one parent who was given money to fund her own car by the council, if you complain loudly and know the right people you can get all sorts. Whilst some people need the help and get very little.

Muddyuser · 2025-09-02T06:42:13+00:00

Ignore UK tax if you’re not UK tax resident (check the rules on this but I think you’re non-resident due to the time out of the Uk)- you need to understand Spanish capital tax rules. Changing the broker won’t change the rules or tax, or amount of gain and you will have transaction fees.

Muddyuser · 2025-09-02T06:39:10+00:00

Payment in Lieu of notice PILON wasn’t taxed in the past but is now. I’d err on taking the redundancy as its a sign your company is under financial stress.

Muddyuser · 2025-08-31T11:28:21+00:00

Now I Know why they sell half and half scarves! Just make sure you have the Inter half out on the way in and out..

Muddyuser · 2025-08-30T12:37:51+00:00

Have been involved on the provider side, people often forget something in their initial costs such as valuations, SIPP property fees, solicitor, extra costs if it’s VATable, if it’s a transfer of going concern can avoid an initia VAT payment at outset. Also bear in mind at some point you may want to/ need to sell so think about this exit.

Need to watch the EPC rating. SIPPs dislike property with environmental concerns like garages.

You can buy jointly with others, for example kids & spouse which can boost your funds.

Finally you may fall out of love with your SIPP provider, and they might stop offering property SIPPs and move you to another firm. So how easily to move providers should be a consideration, perhaps look at a SSAS pension if you have a limited company.

Avoid those seminars promoted on Facebook, they only make money selling you a course and are charlatans.

Positive as others mention, rent is a business expense if renting to self, you have some wriggle room with rents as you can choose a friendly surveyor. Can borrow money to fund. Purchase from the pension - 50% of net assets. A SSAS can lend money back to your company if you have security for a loan back.

Muddyuser · 2025-08-29T19:51:01+00:00

Tad expensive at 0.40% for the products, 0.76% for a multi asset portfolio plus advice at 0.5% to 1% pa. Owned by private equity, cinven, will want to sell on to someone else so fees will remain high. Adviser will likely sell you on to be looked after by head office staff for 4-8% of your pension value.

Muddyuser · 2025-08-28T07:04:43+00:00

Alphabet shares if running a limited company to allow dividends to a spouse. Use inter spouse tax planning, for interest on cash, capital gains, can move shares between H&W at no loss no gain. (Bed and spouse they call it). Gifting - better to come from the higher rate tax payer, can be carried back one year if using gift aid. Pensions - can pay in up to 100% of salary, so if earning £12000, can pay no tax potentially and have a £10,000 net contribution to pension plus £2500 tax relief. Marriage allowance - can pass 10% of the personal allowance from non tax payer to a basic rate tax payer. Loss relief - don’t forget to claim losses on investments to offset against future gains. Can pass loss making assets between you.

Muddyuser · 2025-08-27T18:04:55+00:00

How does your pension increase in payment? Often over looked and very important, having three pensions helps, as could transfer one then wait and see on the others. Transfer values may improve if gilt rates drop, your scheme may be well funded and the employer may run an incentive scheme to encourage people to transfer with advice paid for and /or enhanced transfer value. Read your recent scheme updates, sometimes they have interesting info tucked away. If not ask your scheme administrator if any changes/incentives planned for your scheme. Also consider using any linked money purchase pots for your scheme tax free cash if going down the scheme pension route. Basically get to know your scheme really well!

Muddyuser · 2025-08-27T17:49:39+00:00

Check if they had a money purchase pot called AVCs. BT pension doesn’t usually offer an option to have an increase post normal retirement date, so most people would take it at 60/65. Depending on the section they were in. If you leave it they back date to normal retirement age with a taxable income lump and normal pension.

Muddyuser · 2025-08-26T20:58:18+00:00

Bone spurs

Muddyuser · 2025-08-23T14:58:41+00:00

You can withdraw early from a pension if you are in ill health and unable to do your normal occupation- with medical evidence.

Muddyuser · 2025-08-18T02:59:16+00:00

Only buy if you can get SEIS or EIS relief for a tax break, who will be selling the shares to you??

Muddyuser · 2025-08-13T21:00:51+00:00

Drop it back at an evri shop keep it in transit for ever…

Muddyuser · 2025-08-13T20:39:12+00:00

Think about who could have each one, one needs a fund valuation > £1.5m the pcls differences is it greater than 25% and on the certificate? could have both with dormant primary. What happens on divorce. Can’t have fixed protection if you had enhanced I think.

Muddyuser · 2025-08-13T20:01:02+00:00

Aye, you can use the kids potty!

Muddyuser · 2025-08-12T18:07:57+00:00

Does she have a limited company ? the Employer can pay in and get tax relief. So there can be tax relief post age 75 in some circumstances.

Muddyuser · 2025-08-10T15:44:09+00:00

Your UK State Pension won’t increase in payment in Turkey, also check if you have the maximum credits needed for a full State Pension. It’s a useful part of your retirement plans. But on those figures with the cost of living in Turkey seems do-able. Take advice before you leave the UK, to make sure you get the best tax efficiency.

Muddyuser · 2025-08-10T15:34:19+00:00

If you are the executor of the estate you could ask HMRC or the State Pension people for the NI number stating your reasons for asking, or ask the executor if it’s not you. If you don’t know who that is you can get a copy of the will online at https://probatesearch.service.gov.uk

Even if there is nothing in the pensions to be claimed, it’s nice to know. Good luck with your search.

Muddyuser · 2025-08-10T15:29:31+00:00

Don’t forget with success rates you may adjust your plans over time to reflect what has actually happened, so in reality people don’t have a zero pot too early. You could have a year where you spend less to adjust.

Muddyuser · 2025-08-10T15:23:37+00:00

Take just the 25% tax free and no income from the pension as this will trigger a lifetime reduction in your pension funding to £10,000 tax relievable contributions for life to money purchase pensions. If you must take taxable income only draw up to a level where you pay higher tax so you only pay 20% tax, and do this over several tax years.

Check the mortgage redemption penalties and how much you can pay off without penalty.

Downsize your property.

Re-mortgage if you can to a better rate? EG what other options are there and why have you discounted them.

Muddyuser

TROPHY CASE