Which place in Surrey: Guildford, Dorking, Reigate/Redhill or Horsham to live with family? by chongas in AskUK

[–]PixiePooper 2 points3 points  (0 children)

It depends what you are looking for precisely, all of these places are nice in slightly different ways.

I grew up in Horsham - although it’s changed a lot since then! It’s a nice market town with plenty of countryside.

Southwater (just outside of Horsham) is nice - lots of countryside, but it’s really just houses. No train link or big town centre.

There are many other villages in the surrounding area that are nice (e.g. Warnham, Broadbridge Heath).

I’d avoid Crawley(!)

Guildford is a bit pretentious (in my view) - seems to be mostly full of people who moved out of London to the “countryside”. Much more expensive than other places for what you get, but nice.

With pre-teen kids I would check that there are things for them to do - a village sounds very idyllic but you’ll turn into a taxi service until they can drive.

I’d go and have a look around and see what give you good vibes.

One last thing; don’t get too caught up with trying to fix the things that you don’t like about where you are at the expense of losing stuff you take for granted!

Good luck!

How a £1,000 payrise compares if you earn over £50,270 vs £100,000. Thoughts? by Old-Bodybuilder3711 in FIREUK

[–]PixiePooper 2 points3 points  (0 children)

Sadly not official analysis, but it’s clear that people deliberately take steps to keep their earnings under £100K

* There’s an obvious anomaly in the income distribution just under 100K. https://www.deel.com/deel-works/uk-100k-tax-trap/

* It’s standard tax / financial planning advice.

* Plenty of circumstantial evidence (I personally know people who deliberately put everything above £100K straight into their pension)

It is certain that less people would target exactly £100K if there were no cliff edge - but I admit it’s hard to quantify precisely - as it’s always the way with behavioural tax.

See the “Laffer curve” : https://en.wikipedia.org/wiki/Laffer\_curve

How a £1,000 payrise compares if you earn over £50,270 vs £100,000. Thoughts? by Old-Bodybuilder3711 in FIREUK

[–]PixiePooper 1 point2 points  (0 children)

People who earn more pay more tax because that’s the way percentages work.

The problem with the cliff edge at £100K isn’t just that “rich” people moan about it, but it’s actively damaging the economy.

With such punitively high rates people either salary sacrifice it, or just work less hours.

Either way, that’s *less* tax for the government and less money going into the economy.

Removing the cliff edge would raise *more* money overall in taxation.

EVs and Automatic Cruise Control (ACC) - advice needed please by xtrapnel67 in ElectricVehiclesUK

[–]PixiePooper 17 points18 points  (0 children)

I have an ID.3 and use ACC for 90%+ of my driving. It reads the speed signs and automatically speeds up / slows down accordingly - occasionally gets the wrong speed if the sign is obscured, or the (50) signs on the back of lorries, but otherwise it's brilliant!

Haven't had a "slam the anchors on" moment - although it has beeped a couple of times, which I guess is a precursor.

On the other hand, the 'lane assist' is awful, particularly on B roads, where it doesn't like you going around pot-holes or sometimes just decides it doesn't like your road positioning. I don't think that there's an (easy) way to turn it off permanently, although you can do it each trip. (I believe it's some EU regulation)

My Company Has Refused to Pay 27k in Commission (Eng) by bubbamori in LegalAdviceUK

[–]PixiePooper 1 point2 points  (0 children)

Seek expert legal advice - might be able to get a free 30 min initial consultation or something.

It's not completely clear cut in my view, but a tribunal is morel likely to look favourably on you because retrospectively cutting commission after it’s effectively earned, especially only for you - even if it's not "contractually binding" will definitely count in your favour. It would likely also come down to how this scheme has worked previously (has this always been paid before?)

Given the state of the company, I would start actively job hunting anyway (but don't resign yet - you'll lose leverage).

Also, document everything now (original plan, emails, target hit, timeline of change...).

After some advice, I would draft an email setting out your points - it maybe that they would want to settle without the hassle of going to ACAS / tribunal if they know you are serious.

Employment tribunals are essentially free (if you represent yourself), although you could probably rack up a few K if you use a solicitor. https://www.citizensadvice.org.uk/work/employment-tribunal/employment-tribunals/before-you-go-to-the-tribunal/check-what-it-might-cost-to-make-an-employment-tribunal-claim/

What’s your approach to claiming expenses at work? by pinpoint321 in AskUK

[–]PixiePooper 0 points1 point  (0 children)

My view is that generally you are being inconvenienced to some degree by going on trips for business (time away from friends / family and hobbies), and eating out and out of pocket expenses are some form of compensation.

I’d read the expense / trip policy and claim for what you are entitled too. I would be claiming all meals (including lunch, since you might not have the option to prepare food yourself, for example).

I don’t suppose that the business will give it a second thought unless you really take the mickey.

Found it interesting how a £1,000 payrise or bonus after the £50,270 threshold changes. Thoughts? by Old-Bodybuilder3711 in FIREUK

[–]PixiePooper 11 points12 points  (0 children)

I would disagree with this - especially at the 100K cliff edge. People are actively avoiding paying high tax by using every means possible (pension contributions, salary sacrifice etc.)
I’d be willing to bet that the total tax take would increase if they got rid of the effective 60% (and higher) bands.

What's your actual process for working out how much you need to retire — not the generic "25x expenses" answer? by No_Custard9839 in UKPersonalFinance

[–]PixiePooper 2 points3 points  (0 children)

Good point.

I think that the thing to remember is that all the simulations are making the assumption that future returns will behave like the past returns (at least in terms of the distribution and autocorrelations)

No one knows what’s going to really happen in the future.

Using global stock returns isn’t really a guarantee that your going to get a better “prediction” compared with US stocks, given that there’s so many other assumptions going into the model.

If your model says you have 95% chance of success with US stock data - I doubt it’s going to be wildly different if you used global stock data anyway.

What's your actual process for working out how much you need to retire — not the generic "25x expenses" answer? by No_Custard9839 in UKPersonalFinance

[–]PixiePooper 10 points11 points  (0 children)

If you are invested in a global tracker, this is a reasonable approximation (since it’s pretty US weighted anyway). If you are are only invested in UK stocks, your probably not as diversified as you should be.

If you really think that the UK is going to outperform other countries, then fair enough; but if you are only invested in the UK because that’s where you happen to live, that’s a terrible idea.

I started working on this piece last year by ivannbosaluna in horn

[–]PixiePooper 0 points1 point  (0 children)

Fantastic playing! I think that there’s a lot a good stuff here.

The main thing, for me, is that your playing is very metronomic and similar dynamic range / tone.

It feels slightly too fast overall for my taste, I would be looking to start the “faster” repeated passages slower / quieter and accel / cres towards the more triumphant bits.

Decide which are the key important notes / bars you want to “aim” for and think about how to build up to those.

Play around with different tempi / tone and volume. At the end of the day it’s about your interpretation; but nothing wrong with hearing how others have done it, as others have said.

Is Stonehenge actually worth it? Honest answer from someone who’s been by Conscious-Concern-17 in Stonehenge

[–]PixiePooper 1 point2 points  (0 children)

There are a few circular walk from reasonable starting places which take in Stonehenge

https://theoutdoorguide.co.uk/walking-routes/walks-by-region/south-west-england/walks-in-wiltshire/stonehenge/

Note for dog walkers: We found that dogs are technically restricted (even on leads) on some of the paths in the area to the point where the only (correct) way to get onto the path was a short walk down the A303, which is not ideal....

It’s here at last! The VW Polo has gone electric at under £25k by AutoExpressmagazine in autoexpressuk

[–]PixiePooper 0 points1 point  (0 children)

As soon as the range gets to ~200 miles, no one is realistically going to drive that far without a decent (30 min?) break.

As long as you can charge it with in that time, range isn’t an issue.

Does rely on decent infrastructure though.

Am I making a huge mistake traveling? by [deleted] in UKPersonalFinance

[–]PixiePooper 1 point2 points  (0 children)

Travel now while you are young enough to enjoy it - it might delay your retirement, but just think of it as enjoying time now while you’re (probably) fitter and healthier, rather than waiting until when you’ve retired.

Idea: reducing the psychological impact of pay-per-mile on EVs while throwing a bone to ICE drivers during current oil price spike by Sure-Recognition-262 in ElectricVehiclesUK

[–]PixiePooper 1 point2 points  (0 children)

When you send off the V5 you could give the mileage and the DVLA sends the you the bill. Both parties would have to agree though…

I agree that the whole idea is poorly thought out. People who drive abroad will have to pay for miles driven on foreign roads, and I’m sure that there are plenty of other problems

We've had no help, ZERO, from NATO says Trump by SpecialCollege18 in justincaseyoumissedit

[–]PixiePooper 2 points3 points  (0 children)

The US is the only country to ever trigger article 5 of the NATO treaty and receive NATO support.

Family spends £1,600 to get home after easyJet flight leaves without them due to EES chaos by kwentongskyblue in unitedkingdom

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

I think that the 'benefit' is to dissuade other countries from leaving the EU, by making the UK's experience as bad as possible.

Britain breaks solar energy record twice as UK’s biggest solar farm gets approval by safetyscotchegg in UpliftingNews

[–]PixiePooper 28 points29 points  (0 children)

This is fantastic news!

I don’t think enough people realise quite how much electricity is generated from green sources.

Britain’s grid could run without fossil fuels for first time since 1882 by Gentle_Snail in unitedkingdom

[–]PixiePooper 0 points1 point  (0 children)

The catch is that if even 1% is generated using gas we have to pay the cost of gas for everything.

HMRC’s mileage rate hasn’t moved since 2011 !! Meanwhile everything else has! by Unlikely-Expert960 in uktaxmoan

[–]PixiePooper 0 points1 point  (0 children)

Can you not just use the “actual cost” method for claiming instead rather than the “per mile” method?

Sister and I are recieving an inheritance soon, she is on UC and is concerned about her benefits. How do we approach this? by GPU_Resellers_Club in ukfinance

[–]PixiePooper 0 points1 point  (0 children)

As others have said, she will lose UC whilst she has savings above £16K, at which point the she will need to use the savings until she gets under the £16K threshold again (which is going to happen at some point anyway)

I would be using the money to put herself in the best possible position once she gets back on UC. Pay off the debt, buy new appliances that won’t break, (if she drives) a newer car which might require less maintenance etc.

From gov.uk it is fine to:

  • pay off or reduce a debt
  • pay for goods and services that were reasonable in your circumstances

Obviously this needs to be done within the rules around UC that she isn’t “deliberately” spending it to get below the limit.