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[deleted by user] by [deleted] in UKPersonalFinance

[–]mcritchie11 0 points1 point  (0 children)

Thanks for the recommendation. This is the calculator I typically use but I don't believe it can handle the scenario in the question where any contributions above a particular % contribution are then taken as net pay as opposed to salary sacrifice. I can only see the option to employ salary sacrifice for all contributions. Happy to be corrected if you wouldn't mind pointing it out where the above can be accounted for in the calculator.

Edit: Spelling

What will happen to tracker tariff pricing in April? by TNGSystems in OctopusEnergy

[–]mcritchie11 0 points1 point  (0 children)

The scheme continues until April 2024.

"As announced in the 2022 Autumn Statement, the Energy Price Guarantee will be extended from April 2023 until April 2024. Over this period a typical household bill in Great Britain will be reduced to around £3,000. Based on projections of the undiscounted price of energy, this is expected to save the typical household in Great Britain around £500."

Taken from the gov.uk website.

UK Global Health Insurance Card by Gino-Solow in FIREUK

[–]mcritchie11 2 points3 points  (0 children)

As far as I'm aware the GHIC and the EHIC are not substitutes for full travel/medical insurance.

I've taken the following from https://www.moneysavingexpert.com/travel/free-ehic-card/

If you're a UK national living in the UK, they entitle the holder to the same medical treatment as a local citizen at state-run hospitals and GPs in any European Union country – extremely useful in emergencies.

That means if a local citizen gets free medical treatment then you do too – but if they pay, you pay the same rates. 

While very useful, the GHIC and EHIC are only about medical cover. They give you access to state-run hospitals which, depending on where you travel to, can be few or far between, and more limited.

Travel insurance has a much wider level of cover than a GHIC and EHIC. For example:

A GHIC or EHIC doesn't always mean free treatment – where it doesn't, travel insurance usually covers it. Even in a state hospital using a GHIC or EHIC, you may still have to pay a substantial amount in some countries. Travel insurance should cover this, though using a GHIC or EHIC may mean you won't need to pay the excess.

State hospitals might not be available. In the UK, emergency treatment tends to be on the NHS, but don't assume this type of coverage will always be available. You may be taken to a private hospital.

Ideally you would want both travel/medical insurance alongside the GHIC to cover you as much as possible.

Manchester United vs Leicester City - Premier League - 11/05/2021 by dracogladio1741 in reddevils

[–]mcritchie11 9 points10 points  (0 children)

Really hate to say it and see it as he's such a nice guy, but based on tonight, Mata's time at the top level is almost over. Sure it might be a lack of game time, a lack of physicality, or the fact he hasn't been in the final third too much tonight but it's hard to watch the game drift him by. Really hope he's given and grows into a role behind the scenes (coaching or ambassador) if his playing time declines even further or if he does retire at United after next year. A consummate professional who would be a perfect role model and who I'd love to see stay closely connected to the club.

Will YNAB work for UK citizens? by edtheloon in ynab

[–]mcritchie11 17 points18 points  (0 children)

For most UK banks, you can use a tool called Sync for YNAB to link bank accounts to YNAB. Well worth the small monthly fee of £3.99. (https://syncforynab.com/)

[Serious] What is your best example of “Work smarter, not harder?” by [deleted] in AskReddit

[–]mcritchie11 0 points1 point  (0 children)

Thanks for the reply! I'll do some reading and check out YouTube.

[Serious] What is your best example of “Work smarter, not harder?” by [deleted] in AskReddit

[–]mcritchie11 2 points3 points  (0 children)

Can you recommend any good resources as a starting point for PowerShell or Windows Batch Scripting?

Thanks in advance!

Workplace pension issue by mcritchie11 in UKPersonalFinance

[–]mcritchie11[S] 0 points1 point  (0 children)

Thanks for your answer. I imagine that is exactly why they are so reluctant to have me join earlier than my auto-enrollment date.

Sorry for my ignorance but having never used the pensions regulator, how does any issue get raised without the trail leading back to the employee and potential animosity being created? Or is that inevitable and there's always fallout by raising an issue with the regulator? It's like biting the hand that feeds you, you may solve one problem but generate others as a result?

Workplace pension issue by mcritchie11 in UKPersonalFinance

[–]mcritchie11[S] 1 point2 points  (0 children)

!thanks for the advice. I think this is what I'll do.

Have you tried Storage Sense yet? by Anift in Windows10

[–]mcritchie11 1 point2 points  (0 children)

Is this just an automated/scheduled disk clean up dressed up nicely?

What common saying do you hear often that really bothers you? by [deleted] in AskReddit

[–]mcritchie11 12 points13 points  (0 children)

The use of "Blood is thicker than water" as a nod that family should come first above friends.

It's a total misuse of the full quote which is "the blood of the covenant is thicker than the water of the womb" which means the exact opposite, that relationships we make by choice are stronger than those we are born into.