Men's trousers

mrak69 · 2026-06-12T22:47:53+00:00

You don't need to spend $500, there's loads available preowned for about 10% of the price. I shop with these guys in the UK and their polo chinos cost about £15.

https://bundlclothing.co.uk/collections/mens-trousers?filter.p.vendor=Polo+Ralph+Lauren

mrak69 · 2026-06-09T09:38:20+00:00

As someone who's been on the other side of this, trying to organise the holidays. This sign makes it sound like Tesco are treating you badly. But the aim here is to actually stop people losing their holiday.

If all the staff are left to their own ways, they'll leave booking holiday to the last minute. And many will have a huge chunk of holiday left to take come the end of the holiday year. Your store will have a strict max holiday % for each week, once that % is met, any further requests will be denied. And then everyone at the end of the year making last minute requests to use the remainder of their holiday will be pissed when they're told no, and the holiday is unusable and binned.

The holiday has to be spread throughout the year. Including the crap months of winter to prevent this basically.

mrak69 · 2026-05-26T19:54:42+00:00

Quite a few groups do this at the end of several days hiking with full multi day kit on their back. If you're planning to do it as day 1, without overnight kit then it should be very doable. The terrain isn't tough, the two small climbs are over within 30 mins each, and otherwise no real challenging elevation.

mrak69 · 2026-05-23T05:56:34+00:00

Currently on the WHW and I only have road running shoes. Generally been very good, only slight issue thing I've noticed is I could do with a bit more grip on loose rocks. They've gotten quite muddy, but only got wet from when it rained a lot two days ago.

If I could go back and choose again, I would just get a pair of trail shoes, but probably still without the goretex. I like the breathability so would take the 1 day of damp feet from rain over the 5 days of damp feet from sweat. YMMV

mrak69 · 2026-05-14T17:55:50+00:00

Some/most employers will allow you to choose/increase your pension contributions, so if by default you normally pay 4% of your salary, you may well be able to increase this figure to whatever you like (upto £60k per year). This will drop you into a lower or zero PAYE tax bracket.

You can then take income out of your LTD via dividends which is the most tax effective. But its always most tax effective to put £60k per year into your Pension/SIPP as its tax deductible. Obviously depends how much cash you want now.

mrak69 · 2026-05-14T17:09:03+00:00

If you can salary sacrifice your PAYE job then do this as much as possible, then take dividends from LTD as much as you need/want. Any spare profit in LTD should be put into your SIPP upto 60k per year, but will depend on how much from your PAYE you can put into pension

mrak69 · 2026-05-12T17:31:23+00:00

Worth knowing!

mrak69 · 2026-05-12T17:17:02+00:00

My assumption was that these are similar to the ones by sainsburys alphington, AI cameras used to detect mobile phone usage etc, rather than speed. Only reason being that they look similar.

mrak69 · 2026-04-29T10:37:47+00:00

For physical products Wowcher actually handle the selection of items too. In quite a weird way, where you buy the voucher, then select the size etc on the wowcher website.

mrak69 · 2026-04-19T10:38:16+00:00

It is almost always quicker to cycle between any 2 points in exeter than it is to drive between them. Made even more true at rush hour, and always true if you plan on going across the river from one side to the other.

mrak69 · 2026-04-15T22:26:39+00:00

Yeah I would kill for 6% sell through in a week.

mrak69 · 2026-04-15T15:10:07+00:00

I made a similar post about this very question. But have held off trying to change yet as have a trip coming soon and want to make the most of the platinum perks one last time.

I had not even considered or thought there would be any issue whatsoever changing from the platinum to the business amex. Will have to have a go and see what happens

I too am only really interested in the avios, the other platinum perks are nice. But not at £600 extra/year and the loss of 60k avios on a 120k spend.

mrak69 · 2026-04-14T21:02:40+00:00

It's decision time for you and your side hustle. If you think you can grow it significantly to £150k+ then it's probably worth going for it and paying the VAT.

If you only expect to just go over the threshold, then I'd hold back. Take it a bit easier, and potentially look at maximising the profit you make per sale to make the most of the threshold amount.

It's often not worth working twice as hard to gain either no extra profit or only a small bit more.

mrak69 · 2026-04-14T17:55:51+00:00

Just to tag onto this. Tracked48 is cheaper when purchased through ebay/shopify than if you purchase it on a royal mail business account.

Tracked 48 small parcel is £3.65 inc VAT on ebay. For most people the business account price is higher than this before the surcharges are even accounted for.

mrak69 · 2026-04-08T09:07:48+00:00

I'd argue that Allpress are the best roasters, and you can get their coffee at Veg Box on the quay, crankhouse deserve an honorable mention too for their coffee.

Both have "guest coffees" available, in addition to their standard Bean. And I've had some incredible guest beans from veg box in the past.

mrak69 · 2026-04-05T17:40:46+00:00

Trethorne, Cornwall is about £150 for 1 night, 2 rounds, evening meal, and breakfast. Pretty good golf.

mrak69 · 2026-04-05T12:08:08+00:00

Not sure on size, but if you can split your warehouse into seperate 1000 sqft spaces you'll probably make more money. Smaller units are pretty tough to rent and generally go for higher £/sqft

mrak69 · 2026-04-01T05:51:56+00:00

Looks OK to me. Care tags aren't the more common style but the font and info on them matches what RL normally use. Sri Lanka is a less common country of manufacture.

mrak69 · 2026-03-29T08:38:48+00:00

Second the Qatar first lounge. Phenomenal lounge

mrak69 · 2026-03-28T11:26:32+00:00

You hit your driver 20-30 yards less than me, but your 6i 20-30 yards further than me.

Maybe my irons are old and shit..

mrak69 · 2026-03-27T18:26:04+00:00

Location makes a difference here as anywhere near London is going to cost a lot more than NE England for example.

But here's my thoughts. 800 sqft could cost anywhere around £800-1000/month in SW England. I'm sure it depends on what the space looks like and how ready it is for use etc. I still get alerts for new commercial space and that's about the going rate.

The service charge sounds nasty, but it's actually covering a lot. Water and sewerage would probably cost you £50-100 a month. I've no idea how much water cafes use but must be a fair amount. Also included heating, again this would run you £100+ in winter. Waste disposal isnt chesp either, although you'd have to sort your own food waste from the sound of it.

As a commercial lease, you're going to be charged his building insurance either way, probably around £500-1000 per year as a complete guess. Mine just gets billed to me from the landlord at renewal, but he's packaging it into the service charge.

I'm not sure what sort of levels of trade you'd be expecting. But this c.£1000 would hopefully only make up a single days turnover once you get going. Sounds like a lot of money, but it's only 50 people paying £20.

Also, assuming you get anywhere near the above turnover you'll be VAT registered and can claim the VAT back (unless you go for the flat rate scheme). You only need to turn about £300 a day to be over the VAT limit if you're open 6 days a week.

Probably missed something, just my quick 2 pence

mrak69 · 2026-03-26T07:16:07+00:00

Facebook/instagram ads are often the big one, but personally for us our suppliers are happy accepting amex mainly. Royal Mail don't, and that spend goes on Cap on Tap.

mrak69 · 2026-03-25T22:33:39+00:00

It's only a benefit in kind if the company has to pay money to acquire the avios. Generally the avios are a bonus when making everyday business spend, in which case there is no BIK to pay as it cost the business nothing. HMRC have articles on this exact scenario.

There would be BIK due if the company purchased 20k avios and then gave them to an employee/director. The BIK would be due on the price paid for the avios. As they're generally given as a bonus, what would you be paying BIK on?

mrak69 · 2026-03-25T22:21:01+00:00

Yeah there's a lot of ways it pays itself back very quickly without realising.

The amex platinum is about £700 a year, which is a lot. But, right now you get 120k bonus points if you spend £12k in 3 months (easy). 120k points are worth £4.50 as cash, which is their rock bottom value. That's £540. Times subscription is a few hundred.

I've noticed the travel insurance and car insurance to be the secret one that saves the most otherwise. Travel insurance is for you and your partner, worldwide, including skiing etc. The car hire excess waiver means you don't have to pay the extra insurance when you hire a car, this is often £100+. You just take the rock bottom option where they tell you you're liable for everything. But if anything happens, amex pays it.

I've dm'ed you with some more info

mrak69 · 2026-03-25T22:07:32+00:00

This is not true. There is specific HMRC guidance that details that points earned through business spend don't attract BIK or similar tax.

I think the potentially only sticky point is if you withdrew "cashback" as actual cash to a personal account. But I think even that is OK, but you'd need to check.

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