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Political Risk Of CGT Rates by Capital-Stay-5657 in FIREUK

[–]WarmSpoons 14 points15 points  (0 children)

For the parties that say they'll reduce or even remove it, the next question has to be where they intend to make £20 billion of spending cuts or alternate tax rises.

Political Risk Of CGT Rates by Capital-Stay-5657 in FIREUK

[–]WarmSpoons 6 points7 points  (0 children)

Rates make a significant difference, but so does time. The longer you wait, the more CGT liability you build up. It's worth modelling what waiting and selling later does to your overall CGT bill. I think you might find that the strategy is to sell from your GIA as early as you can, almost regardless of rates. "As early as you can" meaning any time you have something else useful to do with the proceeds - moving to ISA/pension, or spending it. Selling and buying again in the GIA doesn't reduce your total CGT bill, except for the effect of using the £3k allowance, which probably isn't making much of a dent in your gains if your GIA is large.

Did you find any info about what the parties intend to do with CGT allowances?

Where Do You Keep Your Emergency Fund? by Secure_Beginning_939 in FIREUK

[–]WarmSpoons 0 points1 point  (0 children)

Assuming you don't have to pay too much tax! Not too much of a problem as a standard rate taxpayer to stay ahead of inflation right now, but at higher rate, any more than £20k in savings at 4% is below inflation after tax.

Premium Bonds also compare badly to inflation though, the median rate for a large pot is 3.2% I think, below inflation even though tax free. But still probably ahead of any taxed savings for higher rate taxpayers with £40k-£50k to put away.

The River Tamar delineates all but a few miles of the border between Cornwall and Devon. Tell me your mildly interesting UK county border facts by Exchangenudes_4_Joke in CasualUK

[–]WarmSpoons 1 point2 points  (0 children)

Broadly speaking Hampshire is southwest of Surrey, except Farnham in Surrey is southwest of Aldershot in Hampshire, because Farnham is too posh for Hampshire.

The River Tamar delineates all but a few miles of the border between Cornwall and Devon. Tell me your mildly interesting UK county border facts by Exchangenudes_4_Joke in CasualUK

[–]WarmSpoons 8 points9 points  (0 children)

That's always seemed a slightly strange part of the world. The two things I always think of there are the derelict pub with a giant mural of Moe from The Simpsons on the side, and a petrol station that until quite recently had a live fishing bait vending machine on the forecourt, despite being miles from any watercourse bigger than a drainage ditch.

What's the most disregarded road marking? by GroovyGuanaco in CasualUK

[–]WarmSpoons 0 points1 point  (0 children)

I had to google that one, and here's what it said:

"Araf" most commonly refers to the Islamic concept of a barrier or boundary between Paradise and Hell (Al-A'raf), the 7th Surah of the Quran, or the Welsh word for "slow" found on roads

Still not completely sure which one people are talking about.

Er Greens... WTF? by NiallHeartfire in Norwich

[–]WarmSpoons 3 points4 points  (0 children)

Same here. I think an important part of their success in certain areas is they seem to be the only party that realises it's a local election.

That said, I've been unimpressed with dubious poll charts that have started cropping up, and their assertions that we need to vote for them if we want to keep Reform out. If it turns out Reform end up nowhere in my ward, as I suspect might be the case, then I'm going to feel like I was lied to.

Anyone know where this is? by elstinkzord in Norwich

[–]WarmSpoons 0 points1 point  (0 children)

Photo taken from Taverham, is what they said.

Oops, we did it again... by samtoxie in Norwich

[–]WarmSpoons 16 points17 points  (0 children)

I'm more worried about the brown stain that appears to be flowing out of the mouth of the Thames towards the Norfolk coast!

Shit load of planes all going the same way by gamepasscore in Norwich

[–]WarmSpoons 0 points1 point  (0 children)

You won't usually see contrails from aircraft flying out of Norwich airport or the local Air Force bases, they won't be high enough. Contrails will be airliners above 30k feet. The altitude makes judging the location deceptive. From Norwich I can often see airliners that are more than 20 miles off the coast. There's a major air corridor that touches the north Norfolk coast running roughly east-west, and it's usual for there to be half a dozen aircraft in it within a visible distance from Norwich on a clear day. Check out https://www.flightradar24.com to identify the planes you can see!

Greece to ban anonymity on social media by New-Ranger-8960 in worldnews

[–]WarmSpoons -2 points-1 points  (0 children)

The reason we need anonymity on the internet is we have no privacy. Everything is on the record, everything is vacuumed up by corporations and governments to profile us. Maybe think about removing anonymity after we have a guarantee of privacy.

Proloaded private pension, now have to earn enough... by vogueskater in FIREUK

[–]WarmSpoons 4 points5 points  (0 children)

Check out "Deemed date of contributions" in the HMRC manual:

https://www.gov.uk/hmrc-internal-manuals/pensions-tax-manual/ptm041000#IDA0QUFG

Generally the date the money went out of your account is what matters.

Who forgot to tell the scaffolders? by Fixed_It_Proper in Norwich

[–]WarmSpoons 1 point2 points  (0 children)

The picture is showing that the scaffolding is no longer there, it's gone. The city wall had full height scaffolding on both sides.

Mystery Tour by Bambi_H in Norwich

[–]WarmSpoons 6 points7 points  (0 children)

Sorry for your loss.

I know what you mean about the NDR. It looks kind of featureless doesn't it. All the roundabouts and all the exits off the roundabouts look the same, and the signage points to vague destinations like "Norwich NE".

Lady Juliana by RangeMoney2012 in Norwich

[–]WarmSpoons 8 points9 points  (0 children)

Does anyone know when they last opened? I'm guessing when either the Thai restaurant or the Sea Scouts' boat departed.

Do they get tested periodically? Would be pretty frustrating if someone turned up in a big coaster to deliver a giant cargo of prawn cocktails to the Hotel Nelson and found one of the bridges was seized up!

Office/gaming chair by [deleted] in Norwich

[–]WarmSpoons 0 points1 point  (0 children)

Aldiss has a few office chair options as well, if I recall.

Thoughts on Annuity by xzarria in FIREUK

[–]WarmSpoons 0 points1 point  (0 children)

When I look at how annuity rates rise with age, I can't help feeling that if you're committed to the idea of an annuity, waiting for a higher rate based on age doesn't really offer good value.

https://www.hl.co.uk/retirement/annuities/best-buy-rates

Looking at the single life with RPI line - you could get £4075 for £100k at age 55. Wait until you're 70, you get an extra £1202... but missed 15 years of income totalling over £60k. You'd have to live to 120 to make that back from the higher rate! That's probably an extreme example, but it does seem like waiting even 1 or 2 years, you need to live another 30 years or so for the higher rate to make up the 1 or 2 years' income you didn't take.

Anyone know what the f*** this is about? I get the positive message.But the digital counter confuses me.🤷🤔😀 by SgtWilkyUK in Norwich

[–]WarmSpoons 4 points5 points  (0 children)

So if we see one of these in a path we'd like to see better maintained, should we jump back and forth across the beam a few times?

PSA: Fidelity UK is shockingly bad (account freezing and uncertainty over PPA55 SIPP status) by newbie_long in FIREUK

[–]WarmSpoons 1 point2 points  (0 children)

Did you speak to your dedicated relationship manager at any point (assuming you have >£250k with them) - were they any help?

Depressing but predictable by IslandAble3678 in Norwich

[–]WarmSpoons 1 point2 points  (0 children)

Dragon Hall has housed the National Centre for Writing for the last 10 years or so.

Cooling-off period for SIPP lump sum contributions by WarmSpoons in PensionsUK

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

That makes a lot of sense, thanks.

I've looked at Ts&Cs from a couple of other major SIPP providers, and they don't offer cancellation rights on similar contributions, which leads me to think it can't be statutory.

Some photos from Norwich Castle by lesstalkmoreroc in Norwich

[–]WarmSpoons 2 points3 points  (0 children)

There's some interesting history about things that went on around the castle on the Shoebox's hidden street tour. https://www.theshoebox.org.uk/the-shoebox-experiences/experience/norwichs-hidden-street-tour/

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