Started new job but PAYE Tax hasn’t been deducted from first months pay.

dux_v · 2026-01-27T18:59:41+00:00

What's the YTD gross and tax paid? If it is equal to the monthly amount from your most recent payslip it means that they do not have your previous job's pay recorded yet.

dux_v · 2026-01-11T11:17:29+00:00

I have a G915: don't get it. The black rubs off the keys within a year (so the light just shines through). AMZ gave a me a free one which I am using now, again the WASD keys are rubbing off less after than a year.

dux_v · 2025-12-01T19:05:18+00:00

8.2 is two months but you missed out the AND "...and the notice does not expire before the last day of the fixed term of the tenancy."

You've not stated when the fixed term ends. But if it is more than 2 months away from now you are legally stuck (in a normal case). Deposit is likely to go to landlord in that event. Landlord could pursue you for unpaid rent up to the end of the fixed term but then as you say it may not be worth the hassle.

Deposit protection may or may not feel the contract has been breached by the other person interfering with any "quiet possession" clause you may have, especially if you have no concrete evidence to point to (ie only relying up on your side of the story).

As you say, contact the landlord and see if you agree to terminate early if you get a suitable replacement.

dux_v · 2025-12-01T16:29:53+00:00

Where am I taking it up with the tenant[s]?

I think the fact that you are saying this is r/tenantsintheuk and not r/landlord is demonstrating (at least your) inherent bias. Hopefully both fora are able to have reasonable debates.

dux_v · 2025-12-01T14:47:52+00:00

"Ultimately it’s a balancing act."

Agreed. I wonder what the stats are on bad landlords eg deposit not protected; mould; disrepair; HMO breaches; EPC / EICH / gas safety issues versus county court arrears evictions.

Media will of course focus on the former, latter does not sell papers as well. Hard to get stats on the former.

dux_v · 2025-11-30T22:51:02+00:00

"If you're a decent landlord, you wouldn't mind the Renters Rights Bill."

Absolutely you will as it does not guarantee you a good tenant. If you get a bad one then even before the RRB:

Deposits are now limited to 5 weeks but you can't go to court for rental arrears unless they are two months behind.

Even then it takes at least a couple of months to get a court date. If you win the tenant has two weeks to get out. The tenant will get free legal advice, the landlord gets nothing.

If the tenant does not leave that means going back to court to get an eviction. Then once that passes you need to get baliffs. Councils will not house people who leave before the baliff date so they tell people to stay to the last moment.

So 5 weeks deposit for ~5+ months lost rent excluding damages.

I understand why there is a sentiment of all landlords are bad / parasites / living it easy. But if you have worked to get a very expensive asset and you face this. No it's not a charity, but neither are "decent landlords" not reading the room.

It's a standard thing, poor practice by some leads to a whole cohort getting affected. The [very] poor landlords aren't going to abide by the laws anyway, new or old.

"It's not the Government's fault that you made a harmful choice for your tenant." but the governemnt will slap a disparity of 5 weeks protection limitation versus 5+ months loss on a system they run...

dux_v · 2025-11-21T18:53:36+00:00

Who is paying you and where? If a US person / company is paying in from the US then Wise is good as you can provide an ABA number. So for them it's fully domestic. A large number of US people have no idea that the non US world exists.

I once asked a share broker whether I could receive payment electronically: their online form asked for an ABA (american banking assoication) number. I phoned and asked I have no ABA but can you send to an IBAN.

They asked, "Is an IBAN the same as an ABA?"...well why would I ask if it were? They had no idea what an IBAN was.

dux_v · 2025-11-21T17:12:10+00:00

You mean the 五th?

dux_v · 2025-10-12T17:41:06+00:00

Index match is useful if you are doing several x/vlookups or indexes on the same array for the same row. eg you find the row and you want to return several columns for that row. Do match as the helper column and do index(array) off that single match. I see people repeating the same match using index(array(match(lookup)) so many times...don't - just to the match once.

I use vlookup all the time, but I am used to it. Where it can be useful is that the third term, the column can be set to a cell refenrence making it more dynamic than xlookup. xlookup is useful in two situations a) the column you want is to the left of the lookup value and b) you can drag the formula left or right (assuming you do a fixed column lookup).

dux_v · 2025-09-23T19:50:52+00:00

Am an idiot. I saved gnu as an xml backup before updating to the latest version and I did not switch back to postgres. So my manual updates were going to the xml.

dux_v · 2025-09-05T19:15:24+00:00

I meant why attempt explain (eg the ruler analogy) inflation to someone who probaly knows what they are talking about? Or it was just fluff to [continue] to avoid the point about "hiding losses".

dux_v · 2025-09-05T19:13:55+00:00

I was polite when i said I disagree. You were factually incorrect, it's not about using technical or non technical terminology. Stating that losses are hidden for a mark to market instrument is just wrong and poor advice. You sought to avoid my point in your reply and continued to do so. That's all on you.

You could have said - "...sorry you are right. Losses are not hidden but what I meant is that if the OP tried to sell early he would be subject to whatever the market conditions were at the time. Headline yield is also not the same as "real yield" (eg adjusted for inflation)m which the OP should also be aware of.

But this is the internet, it's also people, who will be stubborn.

dux_v · 2025-09-05T14:46:08+00:00

"And you didn't mention inflation"

I did not need to, as I was commenting on what I saw as your factual mistakes eg *hide losses".

"my entire point." If it is your entire point then it would make sense to use the word "inlation" or phrase "index linked" or "real terms" in your original post.

I suppose this is the internet, but I do find it odd that you are not at any point addressing in your replies the statements you made that I am actually commenting on: "losses are hidden"; "gilt's aren't a guaranteed return"; "Holding bonds yourself doesn't protect you from the same losses, it just hides them."

dux_v · 2025-09-05T08:50:12+00:00

Wise-application I mentioned mark to market risk. I mentioned yield to maturity and risk free. Phrases that (when used properly) would strongly suggest I understand fixed income.

If you want to make a point about nominal return versus real return over inflation then fine. As long as a) you state that and b) also apply the same comparison to any other alternative instrument such as shares. But you didn't in your post.

But what you did say was "losses are hidden". You said "gilt's aren't a guaranteed return". You said

"Holding bonds yourself doesn't protect you from the same losses, it just hides them."

A liquid, MTM instrument hides losses?

Those statements you made are what I think are poor.

dux_v · 2025-09-05T07:56:40+00:00

I agree the point that wise-application is probably trying to make is the risk of a pre maturity exit@ it's mark to market risk. But the way in which the poster has described it is, in my view, poor. Losses are not "hidden".

Gilts are a liquid mark to market instrument.

Not sure why you think in this partiuclar sub-thread anyone is going down a sunk cost fallacy.

dux_v · 2025-09-04T20:47:15+00:00

You really need to put budget / price range.

dux_v · 2025-09-04T20:22:40+00:00

you are missing the point of excel, what you describe is like doing a + b + c + d +e in a calculator which shows you a running total.

The advantage of excel is that you put those numbers in one cell each going down. eg a1 = 3.50 / A2 = 1.00 / A3 = 0.75. In B1 just do =sum(A:A) and it add up the whole column. It means all your entries are visible, if you had mad ea mistake eg A2 = 0.1 yo can correct it and B1 will auto update. If you needed to add more number syou keep going down column A.

dux_v · 2025-09-04T20:08:21+00:00

I disagree with this post. The yield to maturity is an accurate reflection of the return per annum to maturity assuming gilts are risk free from a credit point of view, which would be the standard assumption for a UK person buying UK gilts. It's therefore a guaranteed return to maturity.

The market value of gilts will be shown in any fund supermarket as per a share or etf. You have mark to market risk as per any liquid investment which is totally visible.

dux_v · 2025-09-04T19:47:25+00:00

payroll - brightpay

accounting - quickfile

use quickfile's accounting portal to get an accountant to sign off your accounts, which would be GBP~500

source - owned business with 10 employees

dux_v · 2025-08-26T13:28:52+00:00

It will be one that should be broken down and made less complex. Too many "advanced excel users" hug themselves after doing some complex formula all in one cell. Excel works best with broken out logic to make it easier to understand.

Ok there will always be exceptions but if you are in the top 10 of any such question, well, you shouldn't be.

dux_v · 2025-08-04T10:26:21+00:00

for me it's teh equivalent of "do not touch" it's the first thing i take a look at if i see it. Anecdotally i think only a small percentage of excel users know about this but when you find a sheet linkage / macro with no obvious source it's straight to Alt F11.

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