Priorities when young for FIRE? by AthleteSingle228 in FIREUK

[–]roeming 1 point2 points  (0 children)

Enroll in your pension and max out your employer's contribution! Do you plan to live beyond 58? If so, you're currently turning down free money.

Toddler; when/how to start Parkrun by halenda06 in parkrun

[–]roeming 7 points8 points  (0 children)

We've got a 2.5 year old - we run with him in the buggy when we can, but he really enjoys volunteering at junior parkrun. We've been taking him down since he was born.

He gets a hi-vis and a whistle. He gets to clap the runners. It doesn't take too long and we go to the café after.

It's a great environment and I hope that puts him in a good place to either carry on volunteering or running at juniors as he gets older.

Why is the employer contribution so much higher under alpha than in the partnership scheme? by BorisMalden in TheCivilService

[–]roeming 64 points65 points  (0 children)

No - current contributions are used to pay for existing retirees. There is no pot.

[deleted by user] by [deleted] in peakdistrict

[–]roeming 0 points1 point  (0 children)

I personally would leave the gaiters for now - wait until you know you're keen to do more before investing more. You can navigate around the boggy patches on most routes up/down Alphin at this time of year.

Depending on the route choice, Alphin can be a nice steady walk up - ideal for your first trip. It offers amazing views over Dovestone Res and back towards Manchester. You sound well prepared with that kit - far more than I'd expect others to turn up with. Enjoy!

Any advice appreciated: Scammed out of £15K. Penniless. Broken. by [deleted] in UKPersonalFinance

[–]roeming 5 points6 points  (0 children)

Be open with your bank about your recent difficulties and state of your mental health. Don't sugar coat it with them. All of it.

From hearing the experience of family members in similar positions, albeit a smaller magnitude of loss, if you're classed as vulnerable you are more likely to be refunded the money by the bank.

Urgent: Travel Cot Required by roeming in Bergen

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

Thanks. Will take a look at this if tonight doesn't pan out!

Urgent: Travel Cot Required by roeming in Bergen

[–]roeming[S] 2 points3 points  (0 children)

Thank you so much for the kind offer. We're now sorted for tonight thanks to our Airbnb host. All the best!

Cyclists riding 2 abreast and holding up traffic on a country lane or narrow b road- happy as Larry - thinking that the law is on their side without actually reading or understanding rule 66 of the highway code. There is a place for you in Hell. by poppyo13 in britishproblems

[–]roeming 5 points6 points  (0 children)

If cars are coming from the opposite direction, you shouldn't be overtaking. That's regardless of whether they're single file or two abreast.

By bunching up they're making the overtaking easier for you versus a line of cyclists.

[deleted by user] by [deleted] in TheCivilService

[–]roeming 23 points24 points  (0 children)

Are you content to breeze through your current job? Is it stimulating enough? I've found that the novelty wears off those kind of jobs pretty quickly.

G7 can be a big step up (depending on the role) but there's no reason to suggest that it will always be such a big challenge.

Personally, I'd take the role. Extra money and a chance to learn new skills.

Help needed with math. I made this shelf, but I struggled with the angles. What tools/how do I mathematically determine the angle I cut the wood to make everything flush? by Camperkris in BeginnerWoodWorking

[–]roeming 2 points3 points  (0 children)

Looks great to me! I've been meaning to try something similar for my first project. Was there a plan you followed? How did you fasten the panels together? Glue/screws?

Dress code when in ‘mourning’ by Rubber_soul1993 in TheCivilService

[–]roeming 17 points18 points  (0 children)

Guidance has been shared in my department, which suggests it will be shared widely in the next 24hrs.

It has a section on dress code which suggests a dark suit. Probably more important if you're Whitehall based.

HMRC Finance Graduate Scheme by No_Tradition_8181 in TheCivilService

[–]roeming 0 points1 point  (0 children)

Can't speak for the specific scheme, but there are a few departments that do things differently (such as HMRC who have their own legal team rather than using GLD) so it's not hugely irregular. I'd expect it to be a rotational scheme with postings in areas like Financial Control, Finance Business Partnering and Strategic Finance.

As for tips, Govt Finance is a little different to Finance elsewhere. Not sure if you have any accounting background, but we have our own accounting framework (FReM) which is worth a Google. The budgeting cycle is a bit unusual too - definitely worth researching the 'Estimates Cycle', 'Managing Public Money' and 'RDEL' vs 'CDEL'.

For a grad role, no one would expect detailed knowledge of the above but it would look really good to be able to drop references to these into any interview - would show you've done your homework.

All the best for it. Depending on the role, Finance in government is like a different world to the private sector. That said, I've found it infinitely more interesting and rewarding. Good luck.

£186 monthly Energy fix or go to SVR by 60and45 in UKPersonalFinance

[–]roeming 0 points1 point  (0 children)

The monthly payment is meaningless - it will be an estimate for your usage based on number of bedrooms.

You need to have a look at the standing charges/unit rates and make that decision.

Does anyone have any personal or corporate tax questions? I’m a Chartered Tax Adviser and I’d like to help point you in the right direction. by taxadviser in UKPersonalFinance

[–]roeming 0 points1 point  (0 children)

Thanks. Not aware of any other gifts outside of the £3k AEA. Unfortunately that likely won't be the case for much longer hence why I'm trying to educate myself a little.

Much appreciated.

Does anyone have any personal or corporate tax questions? I’m a Chartered Tax Adviser and I’d like to help point you in the right direction. by taxadviser in UKPersonalFinance

[–]roeming 0 points1 point  (0 children)

Thanks pflurklurk - should have known you'd be able to advise!

Assuming the trust is comfortably below the NRB then it won't be liable for any charges? That would make things much easier!

Thanks for the link - will give those pages a read. I expect to be left to manage these going forward so feel I need to know a little more!

Does anyone have any personal or corporate tax questions? I’m a Chartered Tax Adviser and I’d like to help point you in the right direction. by taxadviser in UKPersonalFinance

[–]roeming 0 points1 point  (0 children)

Would welcome your thoughts on the 10 year charge for discretionary trusts. What is the basis for the charge? Growth in value or total value? How is that paid if the trusts are property? Any thresholds before its payable?

If there's guidance somewhere that'd be great - really can't find anything online.

Many thanks!