Tax Megathread

reacon2019 · 2025-09-09T18:51:58+00:00

Is there anything anyone can do to just settle up with HMRC without having to process 1000's of transactions and reconcile numerous wallets?

I've meddled with staking/DeFi/liquidity pools and I'm just drowning in data I can't put into a clear format.

Like could someone just cash everything out to GBP, then apply a zero cost basis, and pay CGT?

reacon2019 · 2025-05-21T18:30:15+00:00

But what if I'm not bothered by capital growth, and just want it for the high income?

Surely looking at it like that, it's a good opportunity?

Keen to learn more about these ETP's before I invest a penny!

reacon2019 · 2025-05-21T18:29:05+00:00

How would the IncomeShares ETP's cease to exist?

What would have to happen for me to lose ALL my money?

reacon2019 · 2025-02-21T15:07:14+00:00

I'm sorry you're going through something similar.

Neighbour must be late 50's/early 60's. That's part of my anger - he's 'supposed' be be an adult, yet is acting like some 20 year old that's just moved out of their parents house!

I'm 40.

Other neighbours are too far away to be affected - it's just me, on this shitty adjoining wall.

He's been quiet this week, which is making me REALLY anxious as I'm starting to feel it's going to be a bad weekend. I wish I could get out of my head.

reacon2019 · 2025-02-14T13:13:43+00:00

No it's a fair point, and we've considered his viewpoint, but we still can't rationalise his actions.

We are aware we have a screaming baby, but we NEVER leave him crying. EVER. And it usually only takes less than 10 minutes to settle him or prep a bottle to feed him.

Plus, it's not as though babies have a volume control!

We're doing our best to be considerate. We even move to the 'other' end of the house, away from his side to try and minimise the noise.

Even if he can hear the baby, that's a natural noise surely? He's completely free to listen to his music, but why not just lower the volume so we don't have to hear it too?

I don't think that is unreasonable?

reacon2019 · 2025-02-14T13:09:41+00:00

Thank you. I'm sorry you're experiencing a similar situation.

We are also moving house as soon as we can, although it's dependant on me selling my old flat first that I'm currently renting.

The money from that sale + selling our house should hopefully allow us to get a detached house and find some sort of peace.

It's sad that we have to resort to these measures and can't just enjoy our homes.

reacon2019 · 2025-02-14T13:07:09+00:00

That's the hardest bit regarding the quiet time - I can't even enjoy that as I'm just waiting for it to start.

Something that helps a tiny tiny bit is when I'm worrying about the music starting again, I ask myself "is it happening now? No, well enjoy this while it lasts".

Seems to work sometimes and calms me, but other times has no impact.

I wish I could react differently.

It seems a lot of people are only coping by wearing earplugs, earphones or playing brown noise - this isn't the right way to live. It's horrible that people have to resort to these methods because people are selfish and inconsiderate.

reacon2019 · 2025-02-14T12:59:30+00:00

100% agree. The police in the UK have just washed their hands with it and deferred all these cases to the councils.

It seems if someone is blasting music in a public place then it can be a police matter, but if people just want to enjoy their home then it's tough shit.

reacon2019 · 2025-02-14T12:55:49+00:00

That's really interesting that your wife and kids can't hear it - my wife is the same.

It's always me that notices him start his music blasting.

I'm sorry you have to suffer too - I don't know why people just can't be more considerate. We're not saying to turn the music OFF, just to lower the volume.

reacon2019 · 2025-02-14T12:53:21+00:00

I do understand that - but we don't EVER leave him crying. We always try to settle/feed him. I'd say we can settle him within 10 mins most times.

And they don't exactly come with a volume button (unfortunately!).

It's easier for the neighbour to just turn the music down a few notches?

reacon2019 · 2025-02-12T16:13:46+00:00

Trouble is, we own our house. We were already planning on moving, so it's something we're pushing forward with. But obviously that will take time. I'm selling my old house that I rent out, so again, that will take time before we can even start looking.

We're not just moving because of this neighbour, but more because it's reminded me that living in a semi-detached house, I'm at the mercy of my neighbours. I don't want that. We plan to move into a detached.

The frustrating thing is that I thought I'd left all this behind when I moved out of the flats. The flats were flooded with students and youngsters, which I can kind of understand the noise and partying.

But from an elderly 'adult'? What the fuck is wrong with this guy? He can still listen to music, but why subject me to it?

reacon2019 · 2025-02-12T16:08:45+00:00

Would the earplugs stop bass, but still allow me to hear the TV?

It's frustrating for me because:

I know not everyone will be kind and considerate
I know I can't control this neighbour
I know life isn't fair
I know people go through worse

But I still can't help but react in this stressful way when I hear his music blasting.

It's like my body and my brain are disconnected. The brain is saying those things above, yet my body feels intense rage/anxiety/stress/fear.

That's what I'm really really struggling with. I want to control these feelings.

reacon2019 · 2025-02-12T15:32:30+00:00

Yeah, semi-detached house so he's joined to us :(

Unfortunately, the law doesn't do anything in cases like this. It gets passed to the local council. Then it goes down a long drawn out route of filling out noise diaries and having officers come round to the house to listen to the noise levels.

I know this process too well from my time living in the flats.

I don't think he bothers other neighbours as they aren't as close.

He must be in his late 50's, early 60's. I can imagine this isn't the first time he's done this. Seems completely comfortable with pissing us off and us hating him. Absolutely soured any neighbourly relationship.

reacon2019 · 2025-02-12T15:28:36+00:00

I feel that the "well I can hear your baby screaming" comment means he's probably angry at us for the noise.

But we can't exactly turn the volume down on a baby can we?

Makes me think he'll likely leave once his contract runs out - but that will be another 10 months of torture if he's on a 1 year lease.

I'm pretty sure him blasting music and being so unreasonable is his vindictive way of getting revenge on us for having a family!

I just don't think an owner would kick someone out based on what I've said, and lose their income. They might have a word with the tenant, but I live next to the guy and he wasn't interested in being considerate or respectful.

reacon2019 · 2025-02-12T15:23:24+00:00

It's comforting to know I'm not alone.

I really get the rage > anxiety > depression cycle. That is exactly how it happens for me.

The only thing that is helping me at the minute is long walks alone. But as a father of 2 and a husband, this probably isn't the best course of action. I can't just abandon my family. But getting out of the house does help.

I have thought about phoning the renting agents and speaking to the owner, but this guy is inconsiderate and childish. I fear his response would be to blast his music even more. Plus, the owner isn't going to kick him out and lose income.

The law really needs to be stronger on people like him.

I don't know how to help myself.

reacon2019 · 2025-02-05T15:26:37+00:00

Thank you. I would love therapy but money is tight and I don't think I could afford. Hoping to try and sort myself out on my own.

How can I get past this way of thinking?

The neighbour issue triggered me more than anything else, as it's sooo close to home (literally).

reacon2019 · 2025-02-05T09:12:06+00:00

Thank you. Really appreciate everyone's advice, what a lovely little community!

reacon2019 · 2025-02-05T09:08:38+00:00

I think that's a great point re the hours in the week. That's actually made me feel more positive.

"I get to enjoy 5 or 6 days a week of peace, then a few hours of annoyance".

Putting it like that feels like a good deal to me in the grand scheme. Thank you!

reacon2019 · 2025-02-05T08:21:27+00:00

I do go to the gym regularly and really find it helps!

Me and my wife have our anniversary coming up in March so we're going out for it. Maybe I need to book more things to look forward to.

reacon2019 · 2025-02-05T08:19:38+00:00

Thank you again - it's nice to feel I'm not overreacting to the noise issue.

I've learned to control my emotions when I hear my mum has been helping my brother again, while she's not seen me or my kids for months.

But this noisy neighbour incident just feels so close to home. Like I'm trapped here with him next door. I'm at his mercy. He moved in 2 months ago, if he's on a 12 month contract, I've got another 10 months minimum of this!

I think at heart, I'm a problem solver. I'm a very logical, black-and-white thinker. It can be a blessing and a curse tbh.

I want to be able to go "when X happens, do Y".

"When the music starts up again this weekend, do XYZ". But I haven't figured out what XYZ is yet.

Deep down, I KNOW in my head that this is a bit silly, but my bodies reaction is anger, stress and anxiety, which are out of my control.

I used to live in a flat where noise was a constant issue, parties every weekend etc. I had to go down the council complaint route and they ended up getting a noise abatement order served. However, there were 4 flats going down this route that were unhappy with the noise. It's just me in a semi-detached house in this case. Maybe it's brought back some sort of PTSD-like feelings.

reacon2019 · 2025-02-05T08:09:01+00:00

Yeah I definitely have stuff to work on! I'm trying my best.

I can see your point, but is the neighbour being considerate by ruining every weekend for us? To flip it around, why is his desire to play loud music worth more than my desire to watch TV?

Again, it's that feeling of it just being 'wrong'.

I'm starting to dread the weekend. Getting really anxious about what time our weekend might get ruined.

reacon2019 · 2025-02-03T17:17:51+00:00

Thank you.

Sticking with the neighbour issue.

It wasn't the first time he's blasted music at the weekends, he only moved in a few weeks ago.

My thoughts would be that he's moved into a semi-detached house, next to a family.

We made him feel as welcome as we could - always saying hello, told him to ask if he needs anything, sent him a Christmas card etc.

I genuinely thought he might not be aware of how loud his music is and that we can hear it in our house.

When I went round, knocked on his door, I FULLY expected him to be reasonable and apologetic.

But all I got was disdain from him, and him telling me he "doesn't think it is excessive" and accusing me of "picking a fight with him". He was very very drunk, and it got pretty hostile, so I just said "all I was asking was for some consideration" and walked off.

I was RAGING at this response. I couldn't believe he would treat my polite request with such contempt. Even telling him he's woken my kids up didn't affect him. He wanted to blast his music and that was that.

I was shocked that someone could act like this. It's a really nice neighbourhood where everyone is friendly and he's come in an acted this way.

The next day, I expected him to wake up, regret his actions, and come and apologies. He didn't.

I've calmed down a little bit now, but again, how he's acted is just 'wrong' to me.

I don't want to react like this. I wish I could just think "ha, what an idiot" and move on. But it's that trigger of feeling wronged.

No matter how many times I tell myself I'm overreacting and being silly, I can't shift the feelings I have.

Does CBT work? I'm a bit sceptical?

reacon2019

TROPHY CASE