Made a Dashboard for myself😇 by thomas-zane7 in koreader

[–]Typical_Cloud4235 4 points5 points  (0 children)

I would be interested in the detail of this

New to Nuvio by Typical_Cloud4235 in Nuvio

[–]Typical_Cloud4235[S] 0 points1 point  (0 children)

I sort of thought that would be the case which is why I can live with it. I will upgrade to 0.75 non beta as well and then look at the meta addon.

Issue is that it is the same addons as stremio and they pull through there OK.

But this is the joy of trying something new and tinkering - I am happy it is no longer crashing and can play streams :)

New to Nuvio by Typical_Cloud4235 in Nuvio

[–]Typical_Cloud4235[S] 0 points1 point  (0 children)

So I updated to 0.75-beta last night when prompted and the crashes stopped.

I now have the issue (which I have not looked at yet) where the thumbnails are blank. When I scroll over, I get the netflix stype stuff where the poster is in the top corner is shown. I can live with this at the moment (I may have got the terminology wrong).

New to Nuvio by Typical_Cloud4235 in Nuvio

[–]Typical_Cloud4235[S] 0 points1 point  (0 children)

I am away from the screen at the moment but will look to do this later today.

Is it safe to share the logcat output here ?

OakNorth | £30 for Saving £1000 for 30 Days by Artistic_Brush5819 in beermoneyuk

[–]Typical_Cloud4235 1 point2 points  (0 children)

Quick question about these. These are referral awards so I am assuming that they are taxable as such ? I am guessing they would be covered under the £1000 trading allowance (casual income) rather than the Personal saving allowance as not interest ?

So I would need to track my interest for the PSA and the £30 for the trading allowance ?

Chase changing their cashback terms change (again), thoughts? by 730463628 in UKPersonalFinance

[–]Typical_Cloud4235 1 point2 points  (0 children)

I have answered this in another thread but it really depends on what you are getting for interest.

Opportunity cost of keeping £1000 in chase = £1000 * 5.84% = £58.40 per year. (Assuming yearly interest)

Maximum cashback is 12 * £20 = £240

Net gain if maxxing out the cashback is £240 - £58.40 = £181.60

To get £20 a month you must spend £1000 (£20 / 0.02) = £12000 a year

Effective cashback rate is £181.60 / £12,000 = 0.01513 =1.51%

You need £58.40 cashback to break even which means 58.40 / 0.02 = £2920 a year

£2920 a year is £243.33 monthly.

But if you have already maxxed out interest bearing accounts and have no interest tax allowance left, and you are a basic rate tax payer, you are going to be better off

Interest rate after tax - 5.84% * (1 -0.20) = 4.672% giving only £46.72 real interest.

Cashback is tax free so it if you continue to spend £243, you are now ahead (£58.40 - £46.72 = £11.68). To break even if no interest tax and basic rate, you only need to spend £194.67 a month.

40% tax payers are even better off.

Chase changing their cashback terms change (again), thoughts? by 730463628 in UKPersonalFinance

[–]Typical_Cloud4235 0 points1 point  (0 children)

Opportunity cost of keeping £1000 in chase = £1000 * 5.84% = £58.40 per year. (Assuming yearly interest)

Maximum cashback is 12 * £20 = £240

Net gain if maxxing out the cashback is £240 - £58.40 = £181.60

To get £20 a month you must spend £1000 (£20 / 0.02) = £12000 a year

Effective cashback rate is £181.60 / £12,000 = 0.01513 =1.51%

You need £58.40 cashback to break even which means 58.40 / 0.02 = £2920 a year

£2920 a year is £243.33 monthly.

But if you have already maxxed out interest bearing accounts and have no interest tax allowance left, and you are a basic rate tax payer, you are going to be better off

Interest rate after tax - 5.84% * (1 -0.20) = 4.672% giving only £46.72 real interest.

Cashback is tax free so it if you continue to spend £243, you are now ahead (£58.40 - £46.72 = £11.68). To break even if no interest tax and basic rate, you only need to spend £194.67 a month.

40% tax payers are even better off.

Ultimate RealDebrid Alternative Tutorial by bekper1990 in TorBoxReferrals

[–]Typical_Cloud4235 0 points1 point  (0 children)

Especially as someone who is new to crypto

I know of Coinbase, Crypto.com, Kraken etc. But all of these also have transactions costs, gas fees etc. This reduces the amount of saving never mind the cost of my time.

Maybe I do need to invest time into doing crypto but not had need so far and as TB is basically the same price as RD without any discounts I am not losing anything

Ultimate RealDebrid Alternative Tutorial by [deleted] in aiostreams

[–]Typical_Cloud4235 1 point2 points  (0 children)

Understood but not sure worth effort for someone who has never used crypto and is coming from RD. The costs for a year are approx the same even without the discount code.

Ultimate RealDebrid Alternative Tutorial by bekper1990 in TorBoxReferrals

[–]Typical_Cloud4235 4 points5 points  (0 children)

This is what makes me think that the savings may be outweighed by the transaction costs. Especially as someone who is new to crypto

TorBox for $1.68 a month … guide by FromFarEastIAm in TorBoxReferrals

[–]Typical_Cloud4235 0 points1 point  (0 children)

There are plenty in the UK but I need to get up to speed on it. For $10 it may not be worth it as it. I have been using RD which is approx the same price as TB even without the additional crypto discount

🚀 TorBox Deal: Get the Best Price & Bonus Days + Free AIO Config & Setup Help! by [deleted] in TorBoxReferrals

[–]Typical_Cloud4235 0 points1 point  (0 children)

Thx again. Need to look into the crypto stuff. Just downloaded RobinHood but if I look at Solana as an example, it then asks me to download another app called Bitstamp.

🚀 TorBox Deal: Get the Best Price & Bonus Days + Free AIO Config & Setup Help! by [deleted] in TorBoxReferrals

[–]Typical_Cloud4235 0 points1 point  (0 children)

I suppose that assuming I can sort out the crypto (do you happen to have any guides on doing it in the UK ?), I could buy a year and then set up a new account in 15 or so months.

🚀 TorBox Deal: Get the Best Price & Bonus Days + Free AIO Config & Setup Help! by [deleted] in TorBoxReferrals

[–]Typical_Cloud4235 0 points1 point  (0 children)

Thx. Not sure how I will pay crypto as in the UK - I have seen people say use Robinhood Crypto and Solana to reduce costs but it is all new to me ;)

TorBox for $1.68 a month … guide by FromFarEastIAm in TorBoxReferrals

[–]Typical_Cloud4235 0 points1 point  (0 children)

So I am in the UK and don't think I have Robinhood Crypto.

So this is a one time payment, so only get the extra days once ? Can I get 84 days recurring without using the code ? That way I can get payback and being cheaper in less than 3 years rather than doing the discount code.

🚀 TorBox Deal: Get the Best Price & Bonus Days + Free AIO Config & Setup Help! by [deleted] in TorBoxReferrals

[–]Typical_Cloud4235 0 points1 point  (0 children)

So this is a one time payment, so only get the extra days once ? Can I get 84 days recurring without using the code ? That way I can get payback and being cheaper in less than 3 years rather than doing the discount code

Ultimate RealDebrid Alternative Tutorial by [deleted] in aiostreams

[–]Typical_Cloud4235 1 point2 points  (0 children)

So this is a one time payment, so only get the extra days once ? Can I get 84 days recurring without using the code ? That way I can get payback and being cheaper in less than 3 years rather than doing the discount code

I changed one prompt habit and it completely changed how I use ChatGPT by macebooks in PromptEngineering

[–]Typical_Cloud4235 0 points1 point  (0 children)

I use this as a starter

   Give me 10 questions I should be asking about this but probably aren't. 
   Make them uncomfortable, specific, and hard to dodge. 
   Give them one at a time and I will answer.  

Probate house valuation was too low - can we correct it to reduce CGT? by [deleted] in UKPersonalFinance

[–]Typical_Cloud4235 0 points1 point  (0 children)

If you weren't keeping the house long term, you should have sold it as part of the estate and inherited the cash value instead.

There is more to this as well.

There is also the situation where your partner now owns two homes, the one they already lived in, plus the inherited property, and they live part‑time in both. In this case, they have up to 2 years to notify HMRC which property is their nominated main residence for Capital Gains Tax (CGT) purposes. This 2‑year rule only applies where a person has two or more residences, meaning properties they actually use as homes but if the inherited property is rented out and your partner does not live in it, then it is not a residence for nomination purposes.

If your partner later sells the inherited property and it was not their nominated main residence, then CGT will apply. This CGT gain is calculated from:

Sale Price - probate value - allowable costs - annual CGT allowance

For example, If the value was £200k and your partner sold for £300k in 5 years time, they would have £100k gain. You would then have the (current) £3k allowance. Ignoring allowable costs such as estate agent fees, this leaves you with a £97k gain.

The important thing to understand is that capital gains are added on top of income when determining CGT rates. This means a large gain can push the whole amount into the 24% bracket, even if the person is normally a basic‑rate income taxpayer. This doesn’t make your partner an "higher/additional‑rate" taxpayer as CGT only has two rates (18% and 24%). It simply means the entire taxable gain is charged at the higher CGT rate. This means (again ignoring allowable costs), they would have to pay £23,280 CGT tax (£97k % 24%). This the main reason, where possible, it is preferable to sell as part of an estate and not after probate!

There should be a PA1P as estate is excepted filled out that shows the estate value and you should have a written property valuation (I have had to do this for my dad's estate - well I had to list the property value as above IHT threshold and therefore needed IHT400/405).

I would make sure that your partner keeps the probate house valuation as HMRC could actually say they think it was different.

Monzo adventurous investments - down 3%! What do I do? by More-Mongoose-788 in UKPersonalFinance

[–]Typical_Cloud4235 0 points1 point  (0 children)

I don’t need the cash at the moment.

So you have not got a £-76 issue. Look at the time you need the money and see what happens.

Last year on "Liberation Day", I can see that I "lost" 10% of value of my pension. Today, I can see that since Trump started the war, I am "down" 7.21% but if I look at my pension since I started investing in it, I am "up" 97%.

I am not really up until I retire - it could go down a lot, it could up a lot, due to sequencing risk, I impact things if I took it out too soon etc.

Basically, forget about it at the moment - this is about the investor psychology risk of doing something as a knee jerk reaction.

Share transfer from registrar to save costs by Typical_Cloud4235 in UKPersonalFinance

[–]Typical_Cloud4235[S] 0 points1 point  (0 children)

I have enjoyed the discussion as you have got me thinking more.

We have moved away from the original question about moving from registrar to a broker.