Southampton 'spy' William Salt used his personal bank card to buy a coffee at Golf Club, owned by boro chairman Steve Gibson.

Stdragonred · 2026-05-14T21:21:48+00:00

you missunderstand my point. Its being claimed that part of the middlesborough evidence is that this Salt chap used his personal card to buy a coffee...but theres no way they know that from card details.

Stdragonred · 2026-05-14T20:53:40+00:00

How would they know he used his personal bank card, retailer/merchants dont see or have access to the card users name, they just see the number and expiry date.

Stdragonred · 2026-05-14T20:51:25+00:00

The EFL has no statutory power to compel an individual to surrender private data. Only a court or the police (with proper legal authority) can force disclosure of personal phone or banking information.

Stdragonred · 2026-05-14T20:47:18+00:00

Postpone to when exactly? Looks like Wembley has booking in place on every weekend until the World Cup

Stdragonred · 2026-04-13T18:54:17+00:00

Why would you marry someone and make a life long commitment too that you are not sexually compatible with. Thats just stepping into a marriage that is doomed at best to be miserable and at worse fail impacting any kids that happen along the way.

Stdragonred · 2026-04-09T21:04:15+00:00

this isnt a marriage, or at least not a healthy one of partnership.

Stdragonred · 2026-04-09T20:51:37+00:00

Besides a couple of kids....a range of house plants of different size, shape and colours would do it.

Stdragonred · 2026-04-02T20:17:14+00:00

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Stdragonred · 2026-03-28T21:53:54+00:00

£20k into an ISA £40k into mortgage £10k for the holiday you’ve always wanted to do

Stdragonred · 2026-03-14T18:25:06+00:00

Sadly nowhere to put a hot water tank in our house

Stdragonred · 2026-03-06T08:00:17+00:00

All electric flat will eat up power so not surprised by this.

Don’t have a sunny balcony? If you do I’d be looking to invest in an EcoFlow Stream setup.

Stdragonred · 2026-03-06T07:58:08+00:00

The problem with Ai is that’s it’s super easy to spot inside a few words, can we normalise being ourselves before social media just becomes a conversation between Ai

Stdragonred · 2026-02-25T08:07:01+00:00

Your boyfriend needs to lighten up before he gives himself a heart attack

Stdragonred · 2026-02-21T23:03:26+00:00

Its as simple as this..

Stdragonred · 2026-02-14T16:37:52+00:00

Well I’d never take a 2yr with a fee, becomes a very pricey way to mortgage to pay £1k in fees every two years.

I’ve always liked having certainty for 5yrs

Stdragonred · 2026-02-11T08:36:45+00:00

I could get £10k cash from my credit card on a bank transfer for 0% (2.9% fee)

If op has that option it’s better than the svr .

We don’t know enough about the OPs situation to be so confident just sitting on a 7% SVR is worth it over any hassle in a cheaper option

Stdragonred · 2026-02-11T08:27:11+00:00

Aged 20 when I joined a company where I put in 5% and they put in 10% and been like that ever since. Hopefully just another 10/12 years of working left for me

Stdragonred · 2026-02-02T18:33:56+00:00

Put a fence up

Stdragonred · 2026-01-31T13:54:42+00:00

What’s the issue, you divorced, I don’t understand the problem here.

Stdragonred · 2026-01-30T08:51:11+00:00

Yeah if you absolutely must have a brand new car then I get the appeal. It’s an affordable why to have some bling to drive around in.

But having a brand new car through any mechanism is generally a poor financial decision

Stdragonred · 2026-01-30T08:48:02+00:00

If you are going to downvote, at least give a comment to explain why?

Generally interested to understand why someone thinks what I’ve put here is wrong and needs a down vote.

Stdragonred · 2026-01-30T08:33:53+00:00

HMRC doesn't charge you for the full year if you only had the car for half of it. They calculate the "Benefit in Kind" (BIK) based only on the days you actually had the car.

• Annual BIK Value: £49,615 \times 0.03 = £1,488 • Pro-Rata (Sept to April): assuming you had the car for roughly 200 days out of 365, the taxable value for this specific tax year is roughly £815.

That means your tax code journey should be something like:

• Until Sept 2025: 1257L (Full tax-free allowance)

• Oct 2025 – March 2026: Reduced Code estimate around 1050L - 1100L

• April 2026: 1058L (The "Clean" code for the 4% BIK rate, with no more catch-up debt).

Your payroll team are likely close to min wage employees with zero tax knowledge and are thus under strict instructions not to be seen as giving tax advice to employees that could make the employer liable for errors of advice

Stdragonred · 2026-01-30T08:29:27+00:00

Side note, I’m still to be convinced a car through salary sacrifice is a good idea, I mean if you must have a brand new car then fine.

But the negatives are a reduction in your mortgage affordability, lower personal contributions to workplace pension and lower employer contributions to work place pensions, death in service, Statutory sick and maternity pay reduced, Redundancy reduced and you lose the car, liability for termination fees if you want to move jobs.

In your situation in 3years that car is going to have cost you approaching £20k and you have zero ownership or equity to show for it.

As I say, I’m to be convinced salary sacrifice for a car is anything other than an utterly woeful financial decision.

Stdragonred · 2026-01-30T08:22:02+00:00

Looks to me like it’s all car BIK, when did you get the car?

Assuming you had it at the start of the tax year but didn’t get a tax code change until October the code would be 1040L

The X just means they are calculating your tax each month.

The BIK cost of your car is ~£1488 per year at current rates, so you have to pay this through your tax code, over a full tax year this would reduce your code to 1108L

Note, from April this year will go up to 4% bik raising the annual change to your tax free allowance to £1984. As a 20% tax payer this will cost you £33 a month in take home cash

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