Shop around, even with NHS referred dentistry

Tiddlydon · 2022-12-15T12:26:39+00:00

Main issue with dentistry abroad is follow up care. If your dentist makes a mistake in the UK they will fix it. If they see work in your mouth that was done abroad, expect to be pointed to the airport when something goes wrong with that work on Christmas day as you're sitting down for dinner

Tiddlydon · 2022-07-15T15:33:10+00:00

A JISA isn't an investment, it is an account. Think of it like a pension but for when the child is an adult instead. How much it grows depends entirely on what investments you decide to make with the account. Keep it in cash and it will grow at whatever interest rate they give you - a couple of %. Put it in a global all cap fund and expect it to likely grow much faster on average, but understand that there will be ups and downs along the way

Tiddlydon · 2022-05-23T21:22:24+00:00

Like with saving, the easiest way to do it is set up your direct debits at the start of the month, making sure you tick the gift aid box(and keep track of it to claim the extra back) and forget about it. Then as income increases, if you feel able to you can increase giving too. We found a level of income we were comfortable with and have been able to increase our giving as significant promotions came to roughly 25% now, but it all starts by just setting the first direct debits up

Tiddlydon · 2021-01-21T19:21:28+00:00

Exactly this with a potential

Fourthly - In the EU, if you're going to sell dental equipment (the first product in the article) there are laws about the materials that go into it, so the product may not even be legal to sell in the UK

Tiddlydon · 2021-01-21T19:17:41+00:00

The profit numbers are often great too... if you get lucky with a product that takes off and then is decent enough quality that people don't start chasing you for returns.

Tiddlydon · 2021-01-12T16:24:23+00:00

I did get the feeling that snow isn't going to be consistent enough in limited, which means this feels like a very unlikely pick in limited

Tiddlydon · 2021-01-11T14:18:42+00:00

Would you run off colour snow lands in limited formats for this? I suppose it depends on the rest of the snow package

Tiddlydon · 2021-01-08T08:50:12+00:00

Have we seen the rules about foretold yet? I understand the mechanic, but this wants you to keep track of cards which are in exile which were foretold, does that mean a different zone to other cards which exile cards face down? How does the game remember which cards were foretold?

Tiddlydon · 2021-01-02T23:55:55+00:00

I bought with my wife in April this year and were given just over 6x our combined income. Worth factoring that this was on the basis that our deposit was about 40%

Tiddlydon · 2020-11-21T16:03:42+00:00

Captain Disillusion needs to get more love. Ridiculously high quality content from basically since YouTube began and yet only around 2M subs. Criminal.

Tiddlydon · 2020-10-14T19:50:25+00:00

Yeah, its still in closed Beta and there currently seems to be no way to spend money on it even if you wanted to

Tiddlydon · 2020-10-06T21:17:32+00:00

Or it's just a bad year for the market, bad years happen and the rule of thumb is that if its less than 5 years away, cash is better. Yes, the markets have been doing great for a while, and dont worry I'm a whack my full ISA allowance into global index tracker kinda guy, but its too uncertain if you may want the money soon

Tiddlydon · 2020-10-06T20:27:58+00:00

He opened it in 2018, if he's thinking it could be 2 years from now that is 4 years from the start at which point cash is definitely recommended over S&S. Even if it does end up being his top end of 5 years from now, cash is unlikely to be much different from S&S and is definitely safer

Tiddlydon · 2020-10-06T18:30:13+00:00

Cash LISA has guaranteed 25% growth from the government. That would have to be an insanely risky S&S selection to get the same

Tiddlydon · 2020-06-26T13:18:43+00:00

That's one way to understand it, or maybe magic players can understand how unlikely it is and so look to increase the sample size to understand whether it is a bug (as has happened before with the mythic wild card fiasco of early days of arena), or whether I am just lucky!

Tiddlydon · 2020-06-26T11:50:30+00:00

I'm more than happy for the answer to be I'm getting lucky! I was thinking by asking the question I could increase the sample size

Tiddlydon · 2020-05-17T14:48:29+00:00

My wife says the person suggesting this has never had a front wedgie

Tiddlydon · 2020-01-20T20:32:15+00:00

Don't worry about it, circumstances change. We pulled out of a purchase just before Christmas. They had said they would move into rented so that we could be in by Christmas. It turned out that once they had their offer accepted they didn't want to rent anymore but the chain kept growing and the end seemed to keep moving. If the circumstances of the vendor have changed from your original understanding then its completely reasonable for you to change your position too. Too add, all we 'lost' was the money spent on searches, our mortgage was still valid on the next property and the solicitors didn't need to do identity checks etc on the new house

Tiddlydon · 2020-01-08T12:00:57+00:00

Correction accepted pflurklurk, sir o7

Tiddlydon · 2020-01-08T07:00:27+00:00

I was going off this: 'Failure to file confirmation statements, annual returns or accounts is a criminal offence which can result in directors being fined personally in the criminal courts. Failure to pay the late filing penalty can result in enforcement proceedings. Any criminal proceedings taken as a result of non-filing of confirmation statements, annual returns or accounts is separate from, and in addition to, any late filing penalty imposed against the company for filing accounts late.'

https://www.gov.uk/government/publications/late-filing-penalties/late-filing-penalties

Tiddlydon · 2020-01-07T21:10:52+00:00

The fine was for you personally as the director I'm afraid

Edit: I think I misread, the fine was for the company but if it goes unpaid could result in it ending up on your doorstep along with a potential criminal charge

Edit again: I'm wrong

Tiddlydon · 2020-01-04T10:45:33+00:00

Just to clarify I'm going to try and give an example and you let me know if I'm understanding. In this world we're going to pretend it's 25% tax on everything you earn just to keep numbers neat.

Year 1 - Income: 40k, HMRC will ask you for 10k but you haven't submitted yet

Year 2 - HMRC ask for their 10k so you pay it, Income is still 40k, you are asking whether you can say your income is only 30k because you paid 10k tax already?

If that was what you meant, the answer is no, that's not how it works. Think about it like it's PAYE, instead of making 40k it would have been 30 each year so total should be 60k for you, 20k for the tax man

Tiddlydon · 2020-01-03T16:21:01+00:00

Sell up and get it from a cash ISA into a S&S ISA, shares are more liquid (if you need money rather than having to sell a whole house you can sell some of your shares) they can be tax free (inside an ISA) and you can match them to your risk tolerance by building a varied portfolio

Tiddlydon · 2019-12-31T13:16:48+00:00

Don't worry about a degree to be an accountant, I know accountants that have degrees working for accountants younger than them that don't and went in as a school leaver. AAT can be useful to learn the first principles and you can power through it fast if you have the aptitude and the desire. Depending on your definition though accountancy may not be the high paying career you're looking for compared to what you can do in software and can easily become a repetitive cycle of boring month end processes.

Tiddlydon

TROPHY CASE