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  1. Replies
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    Mediterranean is pushing it but the rest is true....

    Mediterranean is pushing it but the rest is true. Feeling warm and being warm aren't the same to people. Unlike potatoes and daffodils :)


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  2. If buying beer is expected then you can expense...

    If buying beer is expected then you can expense it I suppose? And as a B2B relationship great for IR35.
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    Did the repeat the experiment with a not fat man?...

    Did the repeat the experiment with a not fat man?

    "Would you shoot a Jew if they were holding a knife to your wife's throat?"
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    I always had the feeling Paris was at least...

    I always had the feeling Paris was at least partly in on the joke that is her life/career, from the odd interview I've seen.
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    Surely that is like a musician dying during the...

    Surely that is like a musician dying during the soundcheck.
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    Faggot has a non-derogatory meaning in the US...

    Faggot has a non-derogatory meaning in the US too... though it's not something you'd stick in your mouth.
  7. Thread: Greggexit

    by d000hg
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    Lands End is great. It keeps some tourists away...

    Lands End is great. It keeps some tourists away from the nicer areas.

    I've often been tempted, but always too tight, to see if the "Cornish Pasty Company" pasties that get sent up on the train are...
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    What a wonderful piece of trivia. Kind of...

    What a wonderful piece of trivia.

    Kind of amazed nobody brought one across.
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    Is your siren something along these lines, it was...

    Is your siren something along these lines, it was recommended to me recently:
    Solar Mole Repeller by Defenders™ GBP18.99

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    I assume you do not wish to poison them?

    I assume you do not wish to poison them?
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    Nah you're just not bright Sent from my...

    Nah you're just not bright

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    You really are a prize 'tard. Sent from my...

    You really are a prize 'tard.

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    Brexit: bringing tourists to London Sent from...

    Brexit: bringing tourists to London

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    Pretty pricey. And only heard by local Londoners...

    Pretty pricey. And only heard by local Londoners who were extremely pro-Remain. Sounds a great jape just to wind them up.
  15. I think the whole thing is going to rely on trust...

    I think the whole thing is going to rely on trust to a certain extent but I take your point.
  16. Thanks that all makes sense. I don't know what...

    Thanks that all makes sense. I don't know what proofs the lender might ask for - presumably they are entitled to demand a copy of a tenancy agreement? Or can they only stipulate that we have one in...
  17. The rent covers the loan but lenders won't offer...

    The rent covers the loan but lenders won't offer the loan because they lend based not only on LTV but on rental yield.

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    I've sometimes paid more for things on principle!...

    I've sometimes paid more for things on principle!

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  19. I think you may have misunderstood... Or I have...

    I think you may have misunderstood... Or I have misunderstood you.

    They would look at the market rent by default but because we have a tenant in place, they will look at the rent we receive; they...
  20. so did I. Even the discounted rent we currently...

    so did I. Even the discounted rent we currently charge is enough to service a 75% mortgage interest only.



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  21. If I took a 75% mortgage, the rent would cover...

    If I took a 75% mortgage, the rent would cover the interest and my costs. Mortgages are disgustingly cheap and houses are very inexpensive up here (5 figures)

    Sent from my ONEPLUS A6003 using...
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    I already said it was a point of principle not...

    I already said it was a point of principle not about the money :)

    If rather buy a 2nd hand hardback but I couldn't find one that wouldn't take 2 weeks to arrive, since it's a book I feel I should...
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    Indeed. I would rather pay for a legit copy...

    Indeed. I would rather pay for a legit copy though I appreciate it.

    I'd rather a hard copy but it's either very expensive or hard to track down

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  24. Fair point. I don't know if you'd be right...

    Fair point. I don't know if you'd be right regarding benefits but that's a good comment too though I suppose that's their issue to declare (in my case they aren't claiming)

    Sent from my ONEPLUS...
  25. Higher rent with cashback to tenants, to boost mortgage lend amount?

    (I have never heard of this before and will be asking my accountant next week; to me it sounded a little odd but our quite principled IFA said it was something they've seen a few times)

    We bought...
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    That's a good shout. It's an old book: Stevens...

    That's a good shout. It's an old book: Stevens TCP vol 1, so I was actually surprised to find it on Kindle.

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    He said account so I thought he meant Amazon...

    He said account so I thought he meant Amazon account.
    Buying it on my personal account using business card is no different from just expensing it surely?

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    I honestly have no idea. I have probably claimed...

    I honestly have no idea. I have probably claimed about 3 things on expenses in the 12 years I've been contracting, and most of that time I was on the FRS anyway.
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    You can't. Your kindle is tied to one Amazon...

    You can't. Your kindle is tied to one Amazon account at any time.

    Because a Kindle is how you read a Kindle book. Are you saying I can't put a business textbook on a bookshelf with my personal...
  30. He's never getting anywhere near the throne...

    He's never getting anywhere near the throne anyway, I wish them all the best and hope the cynics are proved wrong. Perhaps they'll return to more public life when they've had a chance to settle a bit...
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    If you log out, all your local content is lost....

    If you log out, all your local content is lost. Pita.

    On your personal account you can gift someone an ebook, maybe that's an option to explore

    Otherwise I'll just buy it personally and expense...
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    Buying Kindle books through your business?

    I want to buy a technical book on Kindle, and I have an Amazon business account so this would mean I can reclaim the VAT and avoid mucking around claiming it as an expense.

    But it appears I cannot...
  33. Thread: Apple TV

    by d000hg
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    You can NOT get a like-for-like product for 1/2...

    You can NOT get a like-for-like product for 1/2 the price. You can get the same broad spec for half the price but that doesn't mean it's the same product. In the same way Kia and Audi cars of similar...
  34. Thread: "Smart" homes

    by d000hg
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    Surely your smartphone IS 90% of the privacy...

    Surely your smartphone IS 90% of the privacy issue.
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    Trying to remember to write 2020 not 2019.

    Trying to remember to write 2020 not 2019.
  36. Most people visit the EU on a short holiday only,...

    Most people visit the EU on a short holiday only, they do not wish to work or retire there.

    And we aren't banned to work to retire there, we simply lose the right to do so.
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    Government Gateway? I lost my ID and cannot face...

    Government Gateway? I lost my ID and cannot face the rigmarole of getting it sorted out but great to know. I'll ask the accountant if I wish to change it - Since it's already January I have a pretty...
  38. Thread: Merry Christmas

    by d000hg
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    Even in the west yesterday marked the start of...

    Even in the west yesterday marked the start of Epiphany, a time of feasting. I don't think I can cope with another feast.
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    Poor you, having to leave contracting to live in...

    Poor you, having to leave contracting to live in your Mediterranean villa. Glad you managed to somehow squirrel enough away.
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    Varying SATR payments on account?

    I've already put this to my accountant by email but I seem to recall you have some ability to change your payment on account if you have good reason to expect your income to change since the previous...
  41. I didn't realise you were privy to his contract!...

    I didn't realise you were privy to his contract!

    Not all contracts stipulate a signed off timesheet for instance, though in practice I'm sure it does say they don't have to provide work you never...
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    If you were dodgy you could just say "I told you...

    If you were dodgy you could just say "I told you X on the phone but you've put Y" ;)
  43. Thread: "Smart" homes

    by d000hg
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    Someone who doesn't want to walk to the front...

    Someone who doesn't want to walk to the front door is stupid, but you won't cross the room to adjust the stereo :yay:
  44. Thread: "Smart" homes

    by d000hg
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    I assume you don't use a remote control for the...

    I assume you don't use a remote control for the TV and stereo, or you're a big hypocrite :)
  45. Thread: "Smart" homes

    by d000hg
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    1,451

    Probably nearly all of us technically have some...

    Probably nearly all of us technically have some element of smart home these days.


    We have Honeywell EvoHome heating with a few voice commands set up through IFTTT since the built-in Google Home...
  46. I don't know who worked on this last, but they've...

    I don't know who worked on this last, but they've made a right mess of it.
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    I've worked with some US and such companies....

    I've worked with some US and such companies. Typically less hassle - I would suggest your chance of getting any unpaid monies is very low working direct though. Factor it in and be cautious.

    I've...
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    Self-important dweebs who conflate their day rate...

    Self-important dweebs who conflate their day rate with their impressiveness.

    Contractors more likely to PAY to be told they're dynamite in the sack... all those nights away and currency to burn.
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    1042 to Kings Lynn

    Towards the end of this story: Prince Philip taken to hospital as a 'precautionary measure' - BBC News

    I caught the gem

    I thought this meant on a private carriage but the video seems to show...
  50. It's only just getting started.

    It's only just getting started.
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