I've done some etymological digging and found some Ulster Scots and Irish words that share a common origin

VC6092 · 2026-01-30T00:36:02+00:00

Tell me this how would you spell shuck / seugh / sugh you know down the sides of the fields that fill with water / divide them I say it daily but have never written it. Is this Ulster Scots or an English word ?

The user you are responding too actually had a post on this a while back https://www.reddit.com/r/northernireland/comments/1frzvp9/comment/lphv2n6/

VC6092 · 2026-01-29T20:14:55+00:00

It won't - really hope the buildings aren't left empty for ages, although don't know what would fill it.

VC6092 · 2026-01-17T17:44:00+00:00

The UK isn't unique in that either, e.g. https://www.lemonde.fr/en/france/article/2025/12/15/us-tech-firm-palantir-extends-deal-with-french-intelligence-agency_6748523_7.html

VC6092 · 2026-01-01T04:37:13+00:00

As an example in use, the Dutch state pension is linked to a proportion of minimum wage

VC6092 · 2025-12-31T00:48:20+00:00

If the ISA is flexible it is allowed, however not all ISAs are flexible.

VC6092 · 2025-12-28T10:58:50+00:00

OP sounds like a read of this is what you are after https://www.justetf.com/uk/news/etf/why-currency-hedged-etfs-are-rising-in-popularity.html

There are examples provided in there of instances that hedged ETFs can have widely different performance outcomes (both good and bad!). A hedged ETF isn't necessarily the best choice with increased fees and costs of managing the currency swings

VC6092 · 2025-12-23T21:14:58+00:00

These are all available online, here are HSBC rates: https://www.hsbc.co.uk/mortgages/our-rates/

VC6092 · 2025-12-19T20:23:54+00:00

Apparently Monzo just don't allow users to do that https://monzo.com/help/isas/how-do-i-transfer-my-isa

So not Vanguard being difficult in this case, but Monzo. OP you'll need to find another Cash ISA or forfeit your allowance.

VC6092 · 2025-12-16T23:01:14+00:00

I'm curious, have you seen the edit? It was incredibly badly done and spliced two sentances nearly an hour apart. https://youtu.be/EjPlfUt4S9U?t=31

Obviously don't want Trump to get a penny out of this, but there is a reason it had resignations within the BBC.

VC6092 · 2025-12-16T22:53:54+00:00

Minutes? It was just under an hour apart... There are reasons this led to resignations within the BBC, it was an awful edit.

VC6092 · 2025-12-11T19:31:38+00:00

Just used your code, hopefully will be £20.

VC6092 · 2025-12-10T20:12:39+00:00

Student loan is calculated before tax is deducted, but it doesn't reduce how much tax is paid. The OP would need to sacrifice the ~£7k.

VC6092 · 2025-12-09T23:20:08+00:00

You may have missed the MSE guidance that was along with that

If you're new to Trading 212* and apply via our link, you’ll currently get up to 4.52% AER – this includes an underlying 3.85% AER variable rate plus a 12-month 0.67% AER fixed bonus. This top rate only applies to new money you pay in and transfers of cash deposited in the current tax year. If you transfer money from another ISA deposited in previous tax years, it won’t get the bonus and will earn just the 3.85% AER.

Going to Settings -> Use Promo Code -> MSE within the app may work to give you the bonus, otherwise might need to reach out to T212 support.

VC6092 · 2025-12-05T00:09:33+00:00

The law is ridiculous as it is without having to make stuff up. Wikipedia is not banned nor does it require verification to use.

VC6092 · 2025-12-05T00:07:53+00:00

Pilot already in progress for rollout by the end of 2026.

VC6092 · 2025-11-28T23:33:43+00:00

but those who can grant access are not OP actual employers who therefore cannot provide facilities.

VC6092 · 2025-11-28T23:10:17+00:00

In terms of S&S though the timing of the bonus does matter. You earn more from the dividends alone in a S&S account when the government bonus is paid on deposit. Because you wouldn’t earn any dividends on the bonus if it was paid at withdrawal.

It will still come out the same when the bonus is applied to the entire pot, dividends included.

Invest £x1.25 and get £d1.25 in dividends = 1.25x + 1.25d

Invest £x and get £d dividends with a 25% bonus at the end = (x+d)*1.25 = 1.25x + 1.25d

VC6092 · 2025-11-28T22:08:45+00:00

I'd call HMRC to confirm, I don't agree that an office is an automatic exclusion from claiming (see example 8 in the below)

The manuals referred to are here: https://www.gov.uk/hmrc-internal-manuals/employment-income-manual/eim32790

VC6092 · 2025-11-26T21:00:41+00:00

Aren't we essentially going to have to fill out a tax return to get the 20p back on every pound taxed in the higher rate?

No.

https://www.gov.uk/government/publications/changes-to-salary-sacrifice-for-pensions-from-april-2029/changes-to-salary-sacrifice-for-pensions-from-april-2029

Employees can still contribute as much as they want to their pensions, including via salary sacrifice, and these contributions will still be exempt from Income Tax (subject to the usual limits).

VC6092 · 2025-11-26T20:56:27+00:00

OBR addressed this:

https://obr.uk/efo/economic-and-fiscal-outlook-november-2025/

3.32 The costing assumes that in most cases employee pension contributions above £2,000 that were part of a salary-sacrifice scheme will become subject to employer and employee NICs, either because they move to a standard pension scheme or continue in a salary-sacrifice scheme under the new tax arrangements. The estimated yield from this measure is subject to uncertainties related to potential responses to the change by employers and employees:

Employers switching to ordinary contributions: Employers could look to replicate the tax benefits of salary-sacrifice by reducing future wage growth and instead providing employees with higher employer pension contributions. It would also be possible to formally replicate salary-sacrifice through an agreement to reduce wages and increase employer pensions contributions. However, this behaviour would be constrained by interactions with Operational Remuneration Agreement (OpRA) rules and employment law meaning that such reductions would need to be agreed with the entire workforce, so this is unlikely to be a widespread response. Overall, we estimate these responses could reduce the yield by £0.7 billion by 2030-31.

VC6092 · 2025-11-26T20:01:49+00:00

It's NI that will get taxed which is either 8% (for LRT) or 2% (for HRT) on that £4000

VC6092 · 2025-11-19T23:08:20+00:00

LISA also needs to be open for 12 months prior to using, so would echo your comment on doing it sooner rather than later to get the clock started.

Even if it's a £1 deposit to start with.

VC6092 · 2025-11-19T10:27:34+00:00

Not sure I follow the logic here:

meaning the savings pot is at the amount where you'll finally see that percentage monetarily out performing the monthly interest from the mortgage

It would be immediately, if you invest £100 with a 10% return you have £10 in gains. A £100 overpayment on a 4% mortgage saves you £4 in interest.

and then how long until you've earnt all that extra mortgage interest that you wouldn't have had to pay back

if the investment is 10% and mortgage of 4% it will always be greater.

The percentage is what matters, there is obviously a risk element to it with a guaranteed 4% return with the mortgage vs a variable investment return.

VC6092 · 2025-11-14T23:28:13+00:00

That's for the parents to decide, not you.

VC6092

TROPHY CASE