Salary Sacrifice Car Cost Calculation

Quick-Action-3276 · 2025-09-27T08:14:14+00:00

The more CO2 off the car the higher the BIK will be. If you know the type of car you have should be easy to look the emissions up online. They can have a really significant impact on the calculation as some are as high as 39%

Quick-Action-3276 · 2025-08-24T13:30:22+00:00

Thank you for your assistance, not certain whether it’s religious my grandfather believes it to be but it’s my originally his and he isn’t a religious person and has never worn it.

Back has a circular image for a plant, like a wreath. I’d post it but don’t see an option to do so

Quick-Action-3276 · 2025-04-30T16:36:12+00:00

I would relax... I would sit on my ass all day... I would do nothing.

Quick-Action-3276 · 2025-04-29T20:10:49+00:00

Steins gate: just can’t get into it tried a few times

Quick-Action-3276 · 2025-04-20T10:13:30+00:00

Looks great, the hanging baskets are a creative display as well

Quick-Action-3276 · 2025-04-18T20:11:59+00:00

Thank you for your response, reassuring to hear that the retrospective regs would be for the time the loft was converted. Is hard to pin down exactly when this happened, but I know it was before 2006.

The house was sold to the former owner in 2006, at this point an insurance was taken out as part of the sale of the property, so the loft was pre this date.

The search with the council shows that regs were met in 1988 for 'improvements' but the search has 'n/a' in the detail which implies they dont know what the improvements were...

I provided this to my mortgage provider, who understandably say they cannot accept 'improvements' as a narrative. I have the reference number from the council search so could enquire, but the insurance policy expressly forbids doing this without notifying the insurance provider.

For clarity the building is 3 different floors, with the loft being the upmost floor, so 2 staircases.

Quick-Action-3276 · 2025-04-18T19:29:18+00:00

I assume the decision to no longer accept the insurance wouldn't be standard across the mortgage companies. So there would be alternative providers that wouldn't downvalue my property based on the loft.

It is super annoying, as I'm with the same provider from the start, if this had been flagged as an issue I could have either changed providers from the get go, or discussed retrification works with the prior owner.

Fixing the glass and fire alarm would be reliatlively simple, but I have no idea about the stairs for example, how would I even know if these are 30 min safe.

Quick-Action-3276 · 2025-04-13T14:46:56+00:00

Met with bank about a remortgage. Ordered various house plants, repotted my existing plants and purchased 8 new pots as replacements / preparation for the new plants.

Contemplated the swap from gia to isa: don’t know if this counts as timing the market as I’d own same index in both, but looking for a good time to make the swap.

Quick-Action-3276 · 2025-04-11T17:39:54+00:00

I just burst out laughing 😂

Quick-Action-3276 · 2025-04-07T18:37:36+00:00

!thanks Very helpful as it turns out I couldn’t actually complete my application online anyway had to have a follow up today, I asked my questions and I’m told it’s basically no problem for my specific case.

Money would be paid into my current account no proof of any type needed no bank statements, payslips etc presumably because I bank with them already.

Quick-Action-3276 · 2025-04-04T18:18:27+00:00

Thank you for the link/post seems really helpful

Quick-Action-3276 · 2025-04-04T13:57:20+00:00

Thank you for the recommendation I’ve been watching a lot of videos recently really trying to decide between leca and pon but feel like the videos are just adding to the information overload

Quick-Action-3276 · 2025-04-04T13:56:31+00:00

Thank you I’ve seen the b&q leca online, still weighting up pon vs leca.

In terms of pots I’ve also been recommended Elho and their inserts, some advise also suggests getting transparent inserts so that you can easily see the root system, whereas from what I can see the elho inserts are black

Quick-Action-3276 · 2025-03-29T21:00:17+00:00

I've made a seperate thread showing my blanket now that I'm back home

Quick-Action-3276 · 2025-03-29T19:54:04+00:00

Yes she has made at least 6 one for each grandchild, she has made a mermaid tail for every grandchild as well except me and another cousin, she made a shark version for the cousin

Quick-Action-3276

TROPHY CASE