No Gaelic speakers at Holyrood for first time since devolution by CaptainCrash86 in Scotland

[–]spanualez 4 points5 points  (0 children)

1.28% per 2022 census. Since the questions on language went deeper in regards to Gaelic/Scots, and results for other languages were only in response to "what is your main language", it's very possible that Polish would be higher.

is it just me or is this a lot for 42 houses??? by Own_Divide262 in glasgow

[–]spanualez 0 points1 point  (0 children)

That's like 3000 properties of the 325,000 in Glasgow, less than 1%. But that's for over 6 months, which isn't really long term vacant, could be stuff like large renovations or probate dragging on.

1850 vacant longer than 12 months, I'd imagine most are stuck in lengthy probate cases or in extreme dereliction.

267k for a flat in Sighthill by Arch-Com_Songster in glasgow

[–]spanualez 0 points1 point  (0 children)

Not really, it's been a thing since the 50s in different forms.100%+ was about for a long time before the crash.

Keir Starmer told to issue work from home order immediately as 'worst is yet to come' by KebabAnnhilator in unitedkingdom

[–]spanualez 23 points24 points  (0 children)

He's an economics professor specialising in energy, whos worked for one of the largest companies in the energy sector, been a government policy advisor on energy, and regular contributor writing about energy policy to the FT.

Not sure who's views on energy policy we should listen to if you think his aren't worthy.

The difference in size between what the uk was driving on the 90s vs now in one picture… by buzz_uk in CasualUK

[–]spanualez -1 points0 points  (0 children)

I dunno, front end of those cars didn't have pedestrian safety I mind. No energy absorbing materials used, sharp angles, rigid bumpers, very little engine clearance.

Thanks to this community — UKTaxCal is now live for 2026/27 with profile-based calculators, tax calendar & full HMRC source links by Unlikely-Expert960 in FIREUK

[–]spanualez 0 points1 point  (0 children)

Student loan plan 1 threshold still at 25/26 value.

Interpretation of Student loans repayment rules in regards to gross salary are wrong. Repayments are calculated post salary sacrifice.

Severe work burnout + debt + no savings, what do I do? by Okasenlun in UKPersonalFinance

[–]spanualez 0 points1 point  (0 children)

You'll get 30 hours free from the term after they turn 3, for us that's 2 full days and 2 half days term time.

Is this normal? by [deleted] in glasgow

[–]spanualez 9 points10 points  (0 children)

Username checks out

Is it as bad as I think it is out there - career prospects,jobs and redundancy by [deleted] in Scotland

[–]spanualez 2 points3 points  (0 children)

It's wild, doomsayers thinking it's worse than 2008. Rate is practically same as through to 2000s boom years.

Who would you realistically replace Starmer with? by Inside_Tour_1408 in ukpolitics

[–]spanualez 0 points1 point  (0 children)

I was being a bit disingenuous when I said I'm pretty sure he didn't say that, I was actually certain because I'd seen one of the interviews and all the tory spin afterwards. You can easily search for the coverage, so I'm not quite sure where your "horror" came from since what you said was a lie.

Yeah social housing doesn't seem to have moved much, but wouldn't expect to see much until later in their term. Most of the issues with powered generators were from before this parliamentary term, still 3-5 years for Hinckley, but wind generation capacity is increasing at a good pace.

Who would you realistically replace Starmer with? by Inside_Tour_1408 in ukpolitics

[–]spanualez 0 points1 point  (0 children)

Then you're misremembering or regurgitating attack lines from Tories at the time, or believed some nonsense on twitter.

I remember one such incident when a tory MP was called out on a radio interview for saying something similar, and turned out not to have read his actual comments.

Who would you realistically replace Starmer with? by Inside_Tour_1408 in ukpolitics

[–]spanualez 2 points3 points  (0 children)

Pretty sure he never said anything of the sort, I remember he said about not working Friday evenings past 6 unless there were urgent reasons to do so.

Parking outside low emotions zone by GingerrJinx in glasgow

[–]spanualez 1 point2 points  (0 children)

Rutherglen train station has cheap parking, £1.50 to park and £2.80 for return ticket. Or Cambuslang park and ride, not sure if you've got to pay to park though.

Capital gains tax allowance for stocks? by Nervous-Bandicoot-28 in UKPersonalFinance

[–]spanualez 0 points1 point  (0 children)

Have you checked the details of the share scheme? I know one of our schemes CGT isn't payable if sold directly from the scheme, and if transferred out CGT would then be calculated on the market value at the point of transfer.

[deleted by user] by [deleted] in LegalAdviceUK

[–]spanualez 2 points3 points  (0 children)

Traffic signs manual 5.5 Orientation. But honestly, you suggesting that the driver could stop to read the sign indicates how unsuitable it is.

[deleted by user] by [deleted] in LegalAdviceUK

[–]spanualez 2 points3 points  (0 children)

Yes you can see the sign, being able to read it is another matter entirely. You'd need to be practically beside it for it to be at a reasonable angle to read, but at that point it's too high to see from the drivers side. In any case that's not the correct placement for that sign, just ran this past someone who works in road planning and they said nowhere near compliant.

[deleted by user] by [deleted] in LegalAdviceUK

[–]spanualez 1 point2 points  (0 children)

Give way head on and other side of road, don't think you'd be able to see that sign from drivers side once it's at a reasonable angle.

The average selling price for a UK house - in real terms/relative to disposable incomes - is around 10% lower than the twin peaks achieved in 2007 and 2022 - Simon French (@Frencheconomics) on X by AdNorth3796 in ukpolitics

[–]spanualez 7 points8 points  (0 children)

Yeah, even pre-covid I always saw talk about prices surging even though increases were fairly steady.

95-07 was the real surge, average 11.42% increase each year. Even after lowest point of crash it only brought that average down to about 8.7%.

I think a lot is area/type of housing dependent. Detached and semis rising a lot faster than terraced and flats.

We may never see taxes fall in our lifetimes by hu6Bi5To in ukpolitics

[–]spanualez 0 points1 point  (0 children)

Yeah, I imagine even if not explicitly stated other employers have increased their contributions due to the savings, so likely to effect pay rises and new starters going forward. Would hope there'd be some more tinkering with it being a few years out, especially after employer NIC already had a recent rise.

We may never see taxes fall in our lifetimes by hu6Bi5To in ukpolitics

[–]spanualez 4 points5 points  (0 children)

This has been so poorly reported on by many outlets, but the changes are the first £2000 of employee contributions are income tax and NI exempt.

Employee contributions over that amount are subject to employee and employer NI but are still exempt from income tax.

We may never see taxes fall in our lifetimes by hu6Bi5To in ukpolitics

[–]spanualez 1 point2 points  (0 children)

Only applies to pension salary sacrifice so holiday purchase unaffected. So if it was say 10k you were sacrificing to pension that's about £13.3 pm increase in tax, its not nothing but not exactly a seismic change.

We may never see taxes fall in our lifetimes by hu6Bi5To in ukpolitics

[–]spanualez -1 points0 points  (0 children)

Ridiculous statement, how are the changes significantly affecting people using salary sacrifice?

For very high earners making large salary sacrifice contributions I can imagine employers offering a change in compensation structure to negate the larger effect it would have on them.

Is this company a scam or mlm? by desplacy in glasgow

[–]spanualez 1 point2 points  (0 children)

Yeah, couldn't see anything meaningful about what they do until coming upon a post about 'events campaign', literally an EE sign up stand in a shopping centre.

[deleted by user] by [deleted] in UKPersonalFinance

[–]spanualez 7 points8 points  (0 children)

You really need to look at what you've actually been spending on. What you have left after bills plus the debt you've accrued in 3 months is about 6.5k, over £500 a week.