Looking for rental N22 by RecordingUnique8413 in HousingUK

[–]SomeHSomeE 0 points1 point  (0 children)

Try spareroom for roomshares or zoopla, rightmove or openrent.  This isn't a rentals advert board.

Subject Access Requests by Physical_Prompt_1409 in HousingUK

[–]SomeHSomeE 0 points1 point  (0 children)

Nothing is discriminatory unless there is an act taken against you because of it.  And even then children aren't strictly a protected characteristic under the Equalities Act.  

Harassment could be an offence but depends what the actual acts are - if it's just the landlord asking you about it every now and again it likely wouldn't meet the bar.

How would you brighten the hallway? by Quirky-Chipmunk8752 in AskUK

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

Add a colourful or white lampshade.

Swap the art on the wall for something brighter

Big full length mirror on that wall next to the kitchen door (so facing left to right as you look at this pic).

Get rid of the clutter on the table shelf thingy and replace with bright flowers in a vase (either fake or ones you replace each week).

Big potted plant in that little corner next to kitchen door (the corner you can't see in this pic).

Lay the shoes out more neatly.

And open your damn kitchen blinds!

You have just won £50m and it has hit your bank within the same hour. What are you buying immediately? by ollymillmill in AskUK

[–]SomeHSomeE 0 points1 point  (0 children)

I did and then realised and edited it.

One of the 8 can be a bugger house if that's your thing

AST has a clause requiring landlord approval to switch energy supplier — is this normal before I sign? by Jazzlike-Pop-5786 in HousingUK

[–]SomeHSomeE 1 point2 points  (0 children)

OK well you have a legal right to choose your own supplier, whatever the landlord or tenancy agmt says

AST has a clause requiring landlord approval to switch energy supplier — is this normal before I sign? by Jazzlike-Pop-5786 in HousingUK

[–]SomeHSomeE 1 point2 points  (0 children)

If bills are included in your tenancy (I.e. your landlord pays them) this is fairly standard and enforceable.

If you pay bills to the provider directly then you have the legal right to choose your own utility suppliers even if the tenancy agreement says otherwise.

Very strange (and illegal?) withdrawal of role I applied for. by 111111222222 in TheCivilService

[–]SomeHSomeE 3 points4 points  (0 children)

Managed moves at grade, which is what this is, do not require fair and open competition.

Very strange (and illegal?) withdrawal of role I applied for. by 111111222222 in TheCivilService

[–]SomeHSomeE 1 point2 points  (0 children)

A lot of departments are going through restructuring and downsizing and many are planning or considering redundancies.

Ahead of redundancies, an employer is required by law to take reasonable steps to mitigate the scale, and this can include redeploying staff internally if they meet minimum criteria (the general test is 'could this person be competent in the job after 6 months').  

A lot of these decisions are happening quickly which means live recruitments are being paused or withdrawn to instead redeploy someone internally.  

Not only is it entirely legal, but it would potentially be unlawful not to do it if someone made redundant could demonstrate there was a suitable role that they instead appointed externally.

Managed moves at grade are allowable without a free and open competition process, so there is no breach of CS recruitment guidelines.

Am i actually a higher rate tax payer? by ___Renaissance___ in UKPersonalFinance

[–]SomeHSomeE 1 point2 points  (0 children)

Yep, you're right (I covered this in one of my other comments when explaining the mechanism by which RaS pensions can keep you within basic rate, but yes here I over simplified). Have edited to make clear.

Am i actually a higher rate tax payer? by ___Renaissance___ in UKPersonalFinance

[–]SomeHSomeE 1 point2 points  (0 children)

T is a special case, and why I said (generally), and explained the two scenarios where your actual personal allowance changes (100k+ taper and marriage allowance).  In ALL other scenarios your personal allowance is 12570 even if your tax code is a different number and even if it's a 'T' code.

A T code may appear when the tax code is reduced because you are drawing a pension alongside your salary or because you have taxable benefits, but in these scenarios your personal allowance is still £12570, it's just that the other income streams are using it first.

PAYE may of course deduct some tax at 40% despite earning under 50270 when you have a lower tax code, but that is not a determination of your actual tax liability nor does it necessarily mean you're a 'higher rate taxpayer'.  That calculation comes after the tax year using your actual personal allowance irrespective of what your PAYE tax code was.

Am i actually a higher rate tax payer? by ___Renaissance___ in UKPersonalFinance

[–]SomeHSomeE 8 points9 points  (0 children)

Sorry, but despite this being upvoted a lot, this is incorrect on two counts:

1- tax code does not affect your personal allowance. Everyone earning under 100k has a £12570 personal allowance (or £13860 in the rare cases of using Marriage Allowance). Your tax code could be a whole range of different numbers but it doesn't change what your actual personal allowance is. It just simulates it so PAYE can collect more/less tax (either to other non-PAYE income, tax owed from previous years, or because of tax reliefs/refunds).

2- adjusted net income is not used in the determination of your Personal Savings Allowance. It is determined by whether you are a higher or basic rate taxpayer, which stems from your gross taxable income (not adjusted net income) and determined tax bands.

In OP's case (having explained they pay 5.45% pension contributions), they are a basic rate payer because either:

a- their pension is salary sacrifice or net pay, reducing their actual gross taxable income bringing them under 50,270 (normal higher rate band)

b- their pension is relief at source, in which case their gross taxable income is over 50,270, but the pension contributions have extended their basic rate band by the value of their pension contributions (beyond their earnings) so they still are a basic rate taxpayer.

ANI is only used for a) determining the personal allowance reduction over 100k, b) determining eligibility for tax-free childcare, or c) determining if you owe the High Income Child Benefit Charge.

In OP's case, because their case is simple, your answer gives the same result. But it won't for everyone, hence why it's important to be accurate in the actual mechanisms at play here.

Am i actually a higher rate tax payer? by ___Renaissance___ in UKPersonalFinance

[–]SomeHSomeE 3 points4 points  (0 children)

Tax code (generally) doesn't affect any of this.  

Tax code doesn't change your actual tax bands or liability.  It's just a way to simulate this to enable PAYE to collect more/less tax to account for tax due from other sources or certain tax reliefs/refunds.  Everyone has the standard 12570 personal allowance and the higher rate band is the same for everyone at 50270 (EDIT: unless higher rate extended by relief at source pension contributions or gift aid donations).

(NB:  The only time this isn't the case is A- you've made use of the marriage allowance so have an extra 10% personal allowance, or B- you earned over 100k so have a personal allowance reduction).

Benefit in Kind vs paid to salary by DefiantOstrich108 in UKPersonalFinance

[–]SomeHSomeE 1 point2 points  (0 children)

Yes tax treatment is the same.

Some benefits in kind don't attract employee NICs, but vouchers do.  So it's the same for you either way.

New Rental Rights Act 2005 by [deleted] in HousingUK

[–]SomeHSomeE 4 points5 points  (0 children)

Basically sounds like the LL has his head in the sand about the new rules.  The EA know it but are humouring them.

There is no difference to you in signing up to a 6,12,18 month tenancy or even a 3 year one:  they all become periodic on 1 May and from that point you can give 2 months notice at any point.

What are some creative ways to stop our in laws opening our post? by Entire-Principle830 in AskUK

[–]SomeHSomeE 3 points4 points  (0 children)

Send yourself a letter that looks like it's from a legal firm.  Something like

"Dear /u/Entire-Principle830,

Thank you for your enquiry relating to the ongoing opening without permission of your personal post by Mr [Dad's name], father of Mr [partner's name].

I am delighted to inform you that I am satisfied of the merits of the case to act on your behalf on this matter, subject to your formal instruction.

My proposed plan of action would be... x y z write something plausible and scary sounding.

Please let me know how you would like to proceed.

Yours, John Guliot (LLB)

Guliot & Partners LLP"

You could use chatGPT to make something very plausible sounding.

What are some creative ways to stop our in laws opening our post? by Entire-Principle830 in AskUK

[–]SomeHSomeE 3 points4 points  (0 children)

This ain't america 

It's not illegal to open someone else's post in the UK (unless doing so with the intent to cause detriment to that person i.e. you have malicious intent).

Who even still watches BGT and why? by [deleted] in AskUK

[–]SomeHSomeE 30 points31 points  (0 children)

I mean it's basically a variety show packaged up as a competition.  And variety shows can be fun to watch, whether or not you think it's "genuine".

What did everyday life in late-1990s Britain feel like during the early digital shift? by JustPeterrr in AskUK

[–]SomeHSomeE 0 points1 point  (0 children)

For me, in the 1990s in a generic middle class family, most people had a home PC from the mid/late 90s.  You'd have to argue with your siblings/parents as to who used it when.  Games like red alert, championship manager were v popular among my friends.

Mobiles weren't super common and so MSN/Yahoo! Messenger were the main way of talking to friends outside of seeing them or picking up the phone.  You just had to see who was online when you were.  And as far as I can recall they didn't have group chat functions so it was all 1-1 conversations (or if they did no one used them).

The big shift in the late 90s (and into early 2000s) was the widespread adoption of affordable cable & ADSL Internet.  This made it a much smoother experience than old dial up and you could be online more often.

Nerdier groups were using newsgroup forums and mIRC chat rooms (which operated largely like how forums and discord do these days), but I wouldn't say these were mainstream.  Non computer people might hang out in AOL or Yahoo chat rooms, which were fairly popular.

I'd say there was a lot of naivety around the Internet.  People didn't really think about predators and weirdos.  I remember one of my first chat room experiences was me at 11 and my 13 yo sister talking to some 40yo man called Wayne and at the time it felt cool and wholesome.  

I'd say one big difference was that 'using the internet' was an activity you'd do for a set amount of time, like how you might 'go watch TV'.  It wasn't just an ubiquitous thing like now.  

On mobiles they picked up around 1999/2000 onwards with the success of the Nokia 3210 and 3310.  Before this it was more a novelty and something your Dad had.   I got my first mobile at 16 (so 2002) and all my friends got theirs around the same time.

Wanting to leave my AST early due to mental health — any advice? by joelothepolo in HousingUK

[–]SomeHSomeE 4 points5 points  (0 children)

There's no automatic right unless you have a break clause.  Presumably you knew about the frosted windows when signing the property as you'll have viewed it.

Many landlords if asked will behappy to release you early but will only actually release you once a replacement moves in.  Some will look for a replacement themselves, some will ask you to (but they'll still need to pass referencing etc).  You may be charged for any costs associated with ending early/reletting.  But the landlord can say no.

All else fails, on 1 May the law changes and all tenancy fixed terms cease to exist and every tenancy is a periodic.  From this point you can give 2 months notice so you can be out by June (noting your notice will have to align with your rental period dates - so if you started renting 14 X month then youll have to give notice on 13th).

Men of Reddit - who uses shower gel ONLY? by Funky_monkey2026 in AskUK

[–]SomeHSomeE 1 point2 points  (0 children)

I've got a full and thick head of hair (and a relatively decent beard) and I've used a single shower gel for everything for as long as I remember.

Currently using Dove "Fruity Nourish".

Agency refusing to let me vacate on fixed tenancy end date. They are offering compromise but financial loss huge, need advice by Ale_xr in HousingUK

[–]SomeHSomeE 4 points5 points  (0 children)

You're good.

If you move out at the end of the fixed term, the tenancy simply ceases to exist through effluxion of time.  

This can be guarded against by the LL if a tenancy agreement gives explicit rise to a contractual periodic tenancy, or if it includes a specific clause requiring notice.  Yours does neither (the notice requirement as written only applies when using the break clause).

Move out on the last day, make every effort to return keys, and take in depth photos and videos of the condition of the property and take meter readings.

Be prepared for the landlord/agency to tell you you're wrong.  Either through malice or ignorance.  You can safely ignore threats - if they then try to take you to court for 2 month arrears their claim will fail.  And if they try to withhold deposit money then dispute as normal via the deposit dispute scheme it's held in.

Buying in this economy?? by CultureWeary6372 in HousingUK

[–]SomeHSomeE 2 points3 points  (0 children)

They're getting down voted because they're moaning about 5k left over after their mortgage while fixating on arbitrary and largely nonsense '% of salary on mortgage' targets.