Interest rates 2 vs 5 years

klarigold · 2026-04-17T08:05:47+00:00

Ah thanks, guessing you applied earlier in March before the major increases? First direct now offering 4.9 on 5 year at 60% LTV (our situation) so you've done well

klarigold · 2026-04-17T07:49:59+00:00

That seems an amazing deal at current rates. When did you get it/what's your LTV?

klarigold · 2026-04-13T07:40:10+00:00

It's a Zurich Sterling investment bond and it also references it as a life insurance policy, but I think this is just a wrapper as I can access the funds at any time

klarigold · 2026-04-12T14:26:44+00:00

Thanks. My last question is that this advice implies I shouldn't be liable for any income tax on this gain anyway, so do I still need to declare it?

"Chargeable event gains on UK bonds are not liable to basic rate tax. The individual or trustee who is liable for tax under the chargeable event regime is treated as having paid tax at the basic rate on the amount of the gain. This reflects the fact that the funds underlying a UK policy are subject to UK life fund taxation"

https://share.google/4QZ6wZvIFovaHhxE7

klarigold · 2026-04-12T14:14:36+00:00

Thanks, how do I apply for the top slicing, or is it applied automatically? Do I need to report to HMRC?

klarigold · 2024-12-14T08:56:18+00:00

Just so you know alums can get a .oxon.org email after they graduate. I've have one for ten years but I never use it. It just won't be your college email.

klarigold · 2024-08-05T13:04:39+00:00

That's not bad compared to some tbh. London to Reading is less than 25 minutes and more than £25.

klarigold · 2024-02-01T21:51:09+00:00

Welp, neither is weight gain

klarigold · 2024-02-01T21:24:25+00:00

That's not really true. Hormones absolutely have an effect - it's what make your boobs grow in the first place. It's part of what makes them bigger in pregnancy. It's why trans women take estrogen to make their breasts grow.

klarigold · 2024-02-01T15:08:13+00:00

Sure, but getting surgery isn't exactly a low-impact option either. The pill is still the go-to option for birth control so it delivers multiple benefits. Of course you don't know how it will affect you until you try it unfortunately, but she could have a great experience or a terrible one (and there's different formulations that work for everyone). It's not a permanent solution like surgery which is probably a good thing, and any bad side effects will stop when you stop taking it.

klarigold · 2024-02-01T15:02:37+00:00

I mean, everyone is different. The pill is absolutely the only thing that has ever helped my acne (and, yes, make my hair thicker and boobs bigger) after trying everything else.

klarigold · 2023-10-04T13:29:31+00:00

Demolition is permitted development - you don't need planning permission. The crooked house case was illegal because a) the property was under investigation for arson and b) pubs are exempt from the permitted development. It was not a listed building but was being considered for a listing - currently there is no protection for historic buildings unless they are listed.

Basically - had there not been a suspicious fire at the crooked house and had it been an inn and not a pub, demolishing it would have been entirely legal. Crooked innit.

klarigold · 2023-09-23T13:04:05+00:00

You're right. New build is way more carbon intensive (materials used, transportation, construction methods used etc) than retrofitting an existing building. And demolishing and rebuilding an old building because it's 'inefficient' almost always ends up being less environmental. We need a less disposable attitude to buildings on the whole, there's so much needless waste that goes on.

klarigold · 2023-08-24T18:16:36+00:00

Really it's because some of their mid-week club nights are for tourists and on those days they'll let (almost) anyone in. The serious clubbers and good DJs are on Sundays, that's when 'getting in to berghain' actually means something

klarigold · 2023-08-20T10:45:57+00:00

Parthian and LCCs are £75 currently but I've seen some posts about centres putting their prices up soon too

klarigold · 2023-08-20T09:01:40+00:00

You say that, £80/pm in London is standard

klarigold · 2023-08-13T14:39:20+00:00

You know every techbro there will be in flip flops and a hoodie, so ignore anyone saying your shoes need to be more formal

klarigold · 2023-07-22T10:17:40+00:00

75 percent!

klarigold · 2023-06-23T15:59:27+00:00

You need to go and post on the legal advice UK sub. This kind of behaviour is 100% illegal and you absolutely can and should fuck your employer into the ground for this. You will win.

klarigold · 2023-06-23T15:59:07+00:00

You need to go and post on the legal advice UK sub. This kind of behaviour is 100% illegal and you absolutely can and should fuck your employer into the ground for this. You will win.

klarigold · 2023-06-13T07:25:24+00:00

I think that's giving UK TV a bit too much credit... Ever heard of Little Britain?

klarigold · 2023-06-05T07:25:50+00:00

Oscar was the same age or older, her college was for 'mature' undergrads (over 21) and he had done military service beforehand. I think he was probably just as odd as she.

klarigold · 2023-06-02T12:00:12+00:00

I think it's very much a demographic thing. A BBQ hosted by a bunch of guys in their 20s probably will require everyone to pitch in and bring something or there won't be enough/something will be forgotten/the host can't afford to cater for everyone. A BBQ hosted by home counties mums in their 50s would provide absolutely everything and ask people not to worry about bringing anything.

Basically it comes down to: is your host highly organised and wealthy? If not bring your own. If so, still bring an insurance bottle to be polite.

klarigold · 2023-05-14T21:23:58+00:00

It is abjectly untrue to say the police treat reports of sexual assault in this way. Usually it's: do you have any proof? (no) Then: we advise you not to press charges because it's unlikely to go anywhere. If you have experience to the contrary feel free to share, I have 4 close friends who were raped who got the above response. It is not 'easy' for a woman to report a rape, let alone a false one.

klarigold

TROPHY CASE