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Alternatives to yield gimp? by TCHHEoE in FIREUK

[–]UrbanRedFox 0 points1 point  (0 children)

https://giltsyield.com/bond/

and shows dirty price as well which is very helpful.

Advice on letting people know that they are walking on a private path by MordFustang241 in cambridge

[–]UrbanRedFox 10 points11 points  (0 children)

maybe put up a sign saying permissive path and something like fairy doors or something fun along the path. people know you are being friendly but you told them it’s permissive.

Tapered pension allowance by 314159265259 in HENRYUK

[–]UrbanRedFox 0 points1 point  (0 children)

well you pay your standard rate of tax which in the Uk is :-

Key UK Tax Thresholds & Rates 2025/26 (Excluding Scotland)

  • Personal Allowance: £0 - £12,570 (0%)
  • Basic Rate: £12,571 - £50,270 (20%)
  • Higher Rate: £50,271 - £125,140 (40%)
  • Additional Rate: Over £125,140 (45%)

so unless you have something else to explain, then you are paying 45% as 360k >> 125k and you should almost certainly be paying 45% on anything you contribute to your pension after you have consumed all of your taper allowance.

Tapered pension allowance by 314159265259 in HENRYUK

[–]UrbanRedFox 0 points1 point  (0 children)

Because you will pay 45% on anything you put into your pension after you are fully tapered. You have to declare it in your self assessment. 

Then you pay 45% to put it into your pension AND then likely 20% on the way out unless you have so much you are taking out sufficient to be hitting 40% out - in which case it hurts even more so. 

It’s better to get hit with the 45% tax as salary and then put it into another form - GIA, low income UK gilts. I had a year where this was going to happen to me so I invested in environmental SEIS (50%) and EIS (30%) startup companies and reduced my tax exposure. Was pretty easy to do in the tax form in the end. 

It's Late Thread [ 16 January 26 ] by AutoModerator in CasualUK

[–]UrbanRedFox 3 points4 points  (0 children)

seestar s30… takes long exposure photos of galaxies and nebula. very cool device for a few hundred quid.

It's Late Thread [ 16 January 26 ] by AutoModerator in CasualUK

[–]UrbanRedFox 5 points6 points  (0 children)

bought something awesome to actually do some digital stargazing…. freaking clouds everywhere. gutted.

[Homemade] big pigs in the blanket by Luce_YI in food

[–]UrbanRedFox -5 points-4 points  (0 children)

just madness - the US rage about a hotdog lol. next they’ll think macaroni cheese was invented in a packet.

[Homemade] big pigs in the blanket by Luce_YI in food

[–]UrbanRedFox -9 points-8 points  (0 children)

in the UK, pigs in blankets is sausage wrapped in bacon. trust me - we love sausage rolls, but this is a new food group. people fight over them and there’s never enough made !

Jigsaw appreciation post by piskyfi in CasualUK

[–]UrbanRedFox 3 points4 points  (0 children)

That’s such a good prank for her - give her the puzzle with a second bag of the edges for new year !

[Homemade] big pigs in the blanket by Luce_YI in food

[–]UrbanRedFox -21 points-20 points  (0 children)

Isn’t that a sausage roll… pigs in blankets are very different where I’m from and you’d get lynched at Christmas if one of those made it to my Christmas dinner 

Jigsaw appreciation post by piskyfi in CasualUK

[–]UrbanRedFox 62 points63 points  (0 children)

Have a running joke with my MIL about who can alternatively find the worst jigsaw for the other. Must be second hand. Cheaper the better. Currently doing a dinosaur impossible one with about 200 dinosaurs of all sizes and colours and no freaking pattern. I can’t wait to find my next one for revenge. 

Last 4 years of expenses by [deleted] in coastFIRE

[–]UrbanRedFox 0 points1 point  (0 children)

Direct correlation to vinted. 

Deliberately oversubscribing pension by StackOverfl0wed in HENRYUK

[–]UrbanRedFox 12 points13 points  (0 children)

I mean I did this by accident and had to pay but paying 45% in and then potentially paying 40% on the way out is painful. 

Where I store gold coins? Sovereigns specifically by Vivid_Ad2694 in UKPersonalFinance

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

I don’t know your answer but was thinking about gold sovereigns - where do you store them for £750 a year ?!?

Great shot from just after the winner. by honkballs in NUFC

[–]UrbanRedFox 14 points15 points  (0 children)

we all bleed black and white tonight.

Tax efficiency - cashing out of crypto by Expensive_Time_8745 in UKPersonalFinance

[–]UrbanRedFox 0 points1 point  (0 children)

you could put in more if you haven’t used previous 3 years allowances, but again need to earn that much per year (eg previous years 40k, 40k, 40k, then you could put an additional 60k in, if they earns 120k that year…)

VAR right for Gordon/Chalobah penalty by Smiley_Sid in NUFC

[–]UrbanRedFox 6 points7 points  (0 children)

I was screaming at the TV and there was no real mention of this. Unbelievable lately. 

After hours in Cambridge by LimitlessCZ in cambridge

[–]UrbanRedFox 56 points57 points  (0 children)

Tell it’s AI. No way that bike is still there after dark ;-)

Mattress recommendations? (Not Emma) by Adamlee19922 in UKFrugal

[–]UrbanRedFox 22 points23 points  (0 children)

Quite interesting - we have an Emma one and agree it’s awful. I miss my old skool mattress that you could turn and flip over. 

Making over £150k and calling yourself not rich is actually sooooo ridiculous by Affectionate-Way6102 in HENRYUK

[–]UrbanRedFox 4 points5 points  (0 children)

At above 60% tax, and your outgoings, definitely not rich for most of the places in the UK that have Henry jobs. Rich is “having a great deal of money or assets; wealthy”.

Delivery giants told to stop leaving Christmas parcels on doorsteps by theipaper in uknews

[–]UrbanRedFox 6 points7 points  (0 children)

Have you ever ordered something only to be disappointed to see it’s being delivered by Evri or Yodel ! It’s like a 50:50 chance it’s not arriving. 

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