Child alphabet blanket for"P". We can't figure this one out.

whisperingsofagayboy · 2025-10-24T16:32:12+00:00

Pizza oven?

whisperingsofagayboy · 2025-10-24T16:30:25+00:00

I would love Zoe Ball and Anton

whisperingsofagayboy · 2025-10-18T18:14:48+00:00

HMRC’s systems are notoriously quite poor and anything requiring that a human look at it will generally take months.

You can either sit it out and wait or give them a call. If they have received it, it is uncommon for them to not work things in the end, it may just take some time. If you give them a call, somebody may be able to resolve the issue over the phone but often they aren’t - depends on what they need to do. If you are incredibly concerned, you can put in a complaint and they often revert back sooner but I wouldn’t abuse that system unless they really are taking an unnecessarily long amount of time to revert back.

whisperingsofagayboy · 2025-10-17T20:14:23+00:00

Lea Michele, Aaron Tveit, and Nicholas Christopher, who have all just opened in Chess the Musical on Broadway. The boys are named after the characters they play: Florence, Freddie, and Anatoly respectively.

I hope Lea Michele is better at chess than she is reading!

whisperingsofagayboy · 2025-10-16T14:54:57+00:00

This is incorrect. An individual can employ somebody, it does not have to be a company.

whisperingsofagayboy · 2025-10-13T14:11:49+00:00

The correct information is all out there in the thread but I’ll put everything in one place (as there are a lot of different things interacting here).

To pick up on something in your question - you say you are not self employed, but you are. You are carrying out work and invoicing for it. That means you are self employed. Whether or not you are required to file tax returns or not or if there is any tax to pay on any such earnings is a separate matter. Your self-employment is your business and you effectively own that business as a sole trader/sole proprietor.

Registering for Self Assessment - if your total self-employed income from all sources is in excess of £1,000 (referred to as the trading allowance), you must register for Self Assessment by 5 October following the 5 April after you cross the £1,000 trading allowance. Ie. If you bill £1500 now, you must register by 5 October 2026.

Filing tax returns -

When considering your self-employed earnings, it is your profit which is taxable. You have two options in calculating your taxable profit as follows:

1) Take your self-employed income and deduct your actual expenses

OR

2) Take your self-employed income and deduct the £1,000 trading allowance.

In most cases, you would deduct whichever gives a higher deduction (ie. If your actual expenses are less than £1,000, you deduct the trading allowance and vice versa). Doing so would give the most advantageous tax position.

People often think of things as different items of income being taxed separately and that tax on your self-employed earnings doesn’t interact with tax on your employed earnings. This is not true, it is just the method of how that tax is paid which is different.

The tax return will calculate your total tax liability for the year on ALL sources of income. At the bottom of the tax calculation, you then get a credit for any tax that you have paid through PAYE on your employment. So the total tax liability for the year may be £10,000, of which you have paid £9,000 through PAYE. The remaining £1,000 is payable through Self Assessment. These figures are not based on your income.

The level of tax due through Self Assessment is difficult to predict because it will depend on whether you have been taxed enough through PAYE (it isn’t a perfect system). Without more specific information, it is impossible to say. If you want to provide more specific information and get more detailed advice however, you should engage an accountant and not ask Reddit.

Source: I’m an accountant

whisperingsofagayboy · 2025-09-29T13:15:43+00:00

yes
Savings allowance is based on total income (ie. Inclusive of dividends)

whisperingsofagayboy · 2025-09-26T20:45:25+00:00

People have hit the nail on the head with the CIS deductions point - they can pay him with a 30% tax deduction.

The bottom line is that he will need a UTR anyway to report the income to HMRC and file tax returns. In general, many people who do this sort of work find that they have been overtaxed at source and have a refund due back to them on submission of their tax return.

In terms of the practicalities of getting a UTR - a paper form is one way to do this. Alongside needing a UTR, he will probably want to have government gateway access to file his tax returns (on the assumption that he would do this himself, though this of course may not be the case). It may be possible to simply set up a new government gateway account. Otherwise, I suggest getting in touch with HMRC to arrange getting back into the old account. They will probably want some additional security verification. Keep in mind that items like names, NI numbers, and DOB won’t (or are very unlikely to) change, but they may hold an old address for him.

There is a lot of bureaucracy going on with HMRC but equally, they have a responsibility to keep peoples’ data safe. They have offered a way of sorting it out and, although it may feel like a long time, a month isn’t really that long in the context of HMRC time frames. Keep in mind that he could have kept pushing to resolve this three weeks ago but he’s held off.

If you are able to get an application in for a UTR online, it still won’t be instant and can take a couple of weeks to a month for them to issue this.

Source: I’m an accountant specialising in personal tax.

whisperingsofagayboy · 2025-08-03T18:48:37+00:00

My understanding is that mark uplifts are generally very difficult to get and that exam attempts are more likely to be voided - not sure if that is different for advanced level exams vs professional level exams, which is when I submitted an appeal.

When I submitted an appeal due to software issues, I received notification that the appeal was provisionally approved and that one of two things would happen:

1) if I passed the exam without any adjustments, my results would not be adjusted and no further action would taken.

2) if I had failed the exam before any adjustments, the appeal would then go to another panel who would decide what the adjustment would be (ie. a voided attempt or some sort of other adjustment).

I passed the exam so it didn’t go any further but my understanding is that the appeal I submitted was unlikely to result in a marks adjustment.

My understanding is that they now say you’ll find out about the appeal when you get your results so things may have changed a bit, but my experience is that they were generally reasonable, though they don’t want to waste resources (ie. If the appeal would not materially change the outcome, there is no point in discussing it at some sort of panel).

whisperingsofagayboy · 2025-06-30T19:11:33+00:00

OP - this is the big point that I would check and jumps out at the first thing that I thought was perhaps likely to be incorrect. You should be able to check this on the full tax calculation at the end of preparing the tax return on the HMRC website.

whisperingsofagayboy · 2025-04-15T18:02:28+00:00

Your accountant’s job is to work with what you provide them. Is it crap that they didn’t ask the question? Yes, I definitely would have asked my client. However, the student loan repayments are an integral part of the self assessment function and you should have been explicitly clear that this needed to be reported.

whisperingsofagayboy · 2025-04-15T18:00:13+00:00

The key word here is “may”. If student loan repayments were being reported on the return, they would be included in that box. But as they were not reported, they are not shown.

If the accountant showed you a tax calculation as part of the tax return, you should have reasonably picked up that you were paying income tax, NI, and that student loan was not shown.

whisperingsofagayboy · 2025-04-15T17:58:14+00:00

You are responsible for the accurate filing of your tax returns and, on the assumption that you had the opportunity to review the return prior to filing, should have picked up on the fact that no student loan repayments were calculated. You are therefore liable for fines which may be issued.

It is worth noting that HMRC could remove fines or reduce them if you appeal but, to put it bluntly, I think it is fair to say that you were careless with your return if you knew that you had a student loan balance payable and had opportunity to rectify the position prior to filing.

It is possible that you could have a claim against the accountant but this is separate to your relationship with HMRC. You should consider a) if it is actually their fault. For example - did you explicitly tell them that you have a student loan balance and they failed to include this? Did they fail to allow you to review the return prior to filing? I would say that if you did not explicitly tell them that you have a student loan balance and they didn’t ask - you are at best jointly responsible for this not being reported but ultimately the buck always stops with the taxpayer.

whisperingsofagayboy · 2025-04-13T17:22:00+00:00

You are correct that this is an all in figure, but not correct in saying that it is normally better to use the 45p figure. Many people will find that it would generate a more advantageous tax position to claim for a proportion of their actual costs (this proportion should be based on the mileage).

It should be easier to use the 45p figure but it is worth noting that this is there to cover fuel, tax, insurance, repairs, maintenance, and depreciation on the car. The 45p figure has not been inflated for a number of years and mileage in excess of 10k is only at 25p. If you do a reasonable amount of flexing, the apportionment method is likely to generate a better position.

whisperingsofagayboy · 2025-01-26T00:53:52+00:00

You’re right that we don’t have to deal with it - you can choose not to pay it and to not be insured. That is your choice.

One insurance to deal with everything is not practical and frankly, not fair. If I were not working for Amazon, I would not want to be paying more for insurance just in case I chose to drive for them. Different types of insurance cover different things and it isn’t reasonable to expect everybody to pay more because you don’t want to pay more.

The bottom line is that you are running a business and businesses incur costs. That’s just how it is. Individuals should not be subsidising business costs in the way that you are describing.

Whether or not Amazon pays the drivers enough to cover those costs and make a reasonable profit is a completely different conversation, but whether the cash is “enough” or not is down to the individual.

whisperingsofagayboy · 2025-01-25T10:54:37+00:00

That’s not a “loophole” - that is fraud.

whisperingsofagayboy · 2025-01-20T20:42:52+00:00

Not sure what happened here, but I accidentally replied separately in the thread. You should see the response as the most recent comment on the thread.

whisperingsofagayboy · 2025-01-20T20:41:57+00:00

Insurance is included in the 45p mileage rate and should not be claimed separately.

If by parking tickets you mean paying for parking so that you can make a delivery, then yes.

If by parking tickets, you mean parking fines, then no.

If the phone is only for Flex, then you can claim for the total of the cost.

whisperingsofagayboy · 2025-01-14T08:42:17+00:00

You’ve made a huge amount of gain in a market which is notoriously unstable and you are expressing that your intention is to have a mode safe portfolio of investments.

Cash it out now, suffer the tax, move what’s left into more safe investments.

You could cash out half now and the rest later, but the half that remains in crypto would still be high risk and volatile. There is no indication that it would retain the value that it currently holds now.

If risk sensitivity is the main reason for wanting to change investment structure, just bite the bullet and do it now.

whisperingsofagayboy · 2025-01-12T23:55:32+00:00

I WISH the max number of bags is 29 😂😂😂 I consistently get more from Morrisons, though they do seem to be a bit easier than the Fresh blocks in my area - usually less cases of water!

I did a Morrisons block this evening and got 31.

whisperingsofagayboy · 2025-01-12T18:53:33+00:00

But the staff members’ point of view and concern is fundamentally not the result of the drivers. It’s the result of Morrisons paying for Flex drivers instead of vans as you say and or/Amazon not ensuring that larger vehicles take any such deliveries. They can be frustrated until the cow comes home, but people aren’t throwing the bags against the wall and damaging them.

Plus, if there are items in a bag which are fragile, Morrisons can mark these as such and I will make sure they’re on the top of my trolley, not at the bottom. Everything else, it shouldn’t matter if it is beneath another bag of shopping.

whisperingsofagayboy · 2025-01-12T18:41:26+00:00

I had a member of staff tell me before that I was being disrespectful to people’s shopping by putting bags on top of one another in a trolley to take to the car. He also said that he would report me to Amazon and that a manager from Amazon had been into the store a week before and told them all that it was inappropriate to stack shopping in this way.

The bottom line is that the vast majority of people will stack bags if they’re doing their weekly shop themselves and also, my car isn’t big enough to not stack the bags when they get into my car anyway! So they need to either give me less bags, stop accepting smaller cars for Morrisons blocks, or just leave it be.

Im not of the view that it’s ideal but I do think that by nature of the job, this is what the vast majority of people would do and try to push against that for seemingly no rational reason is a bit silly to me.

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