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  1. Replies
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    Heavy metal at 50

    http://https://www.bbc.co.uk/news/av/entertainment-arts-47661427/world-heavy-metal-congress-first-event-takes-place-in-london
  2. Replies
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    First one bites the dust

    https://www.independent.co.uk/news/world/americas/us-politics/jason-spencer-resigns-sacha-baron-cohen-republican-georgia-who-is-america-n-word-terrorism-a8462511.html
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    Well deserved

    Everyone hates Foxtons. Their practices have been dodgy for years.
    https://www.independent.co.uk/news/business/news/foxtons-estate-agent-that-gives-estate-agents-a-bad-name-8786804.html
    ...
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    contract?

    If you're out of contract/on a pay as you go tariff it might be worth getting a contract including phone instead of buying the hardware separately.

    Used to be that buying the phone separately was...
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    Is that really a good rate over the last few...

    Is that really a good rate over the last few years? A Vanguard tracker would have more than matched it.
    Unless they can protect you in the inevitable crashes or at least beat the market then is it...
  6. Thread: Agency work

    by Smartie
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    Agency work

    Just started looking around for a new role and getting lots of calls from agents, including for 'agency' work. First time this has come up but I'm assuming it's basically sub-contracting through a...
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    Sticky: I'd really love to use II - it's obviously the...

    I'd really love to use II - it's obviously the lowest cost but the service issue worries me. Having potentially hundreds of thousands locked up with no access and no customer service response is not...
  8. Barclays

    Had no issues with Barclays over the past few years. Their app and customer service (for business at least) is great.
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    Sticky: Glad to hear it, though a single experience is...

    Glad to hear it, though a single experience is obviously of limited value.

    Take a look for yourself and note the attempted gaming of the review system by the recent reviewers with only one review...
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    Sticky: Careful with II - recently they've been getting...

    Careful with II - recently they've been getting pretty horrendous reviews after the merger and IT 'upgrade'.
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    Unless we're in a New Paradigm (TM) then a...

    Unless we're in a New Paradigm (TM) then a recession and stock market crash is inevitable - eventually.
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    Offset

    I went for the 5 year offset. Two year deals are a pain - especially if you're out of contract when it comes to renew. Plus the fees of course.

    The offset is a bit more expensive but I calculated...
  13. Think it's superficially and actually to the...

    Think it's superficially and actually to the letter of the law.

    With the ratcheting up of taxation on us, particularly on dividends and the loss of the flat rate VAT benefit (several thousand...
  14. Oh I see, you're confused by the voucher thing -...

    Oh I see, you're confused by the voucher thing -

    Example D

    Employer D provides each of its employees with a bottle of wine costing £25 at Christmas. However, as an alternative, it provides...
  15. Eh?

    Eh?
  16. £50 Amazon voucher six times a year.

    £50 Amazon voucher six times a year.
  17. Don't eat yellow snow?

    Don't eat yellow snow?
  18. Post Office - any experience contracting there?

    I'm just mulling over several options for new contracts as my current one is coming to an end soon.
    The Post Office is interested - anyone have any experience in working there (central London)?...
  19. I really don't care what platform people want to...

    I really don't care what platform people want to use. Simply offering a bit more information.
    Example - Jupiter Asian Income, Interactive Investor 0.98% ongoing charge, HL 0.69%
    Cost to buy funds...
  20. Other considerations

    There are a couple of other considerations here.
    Firstly, HL don't charge for trading in funds so if you're investing in those and do it fairly regularly i.e. more than once a month then that can...
  21. Think you mean reducing pressures by working for...

    Think you mean reducing pressures by working for the NHS ;-)
  22. Cost

    Through the advances of medical science we can cure more and more medical problems, help to prevent others and mitigate the impact of even more.
    Pick the average 70 year old up and shake them and...
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    Better than cash but also more risky - I'm not...

    Better than cash but also more risky - I'm not sure it's worth it for around 4% return. You'd be better off in the long term (and I'm assuming that's why you want an ISA) putting it in a stocks ISA,...
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    He died.

    He died.
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    This is what (almost?) every woman wants whether...

    This is what (almost?) every woman wants whether overtly or covertly.
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    When you're 45 you'll wish you had put some money...

    When you're 45 you'll wish you had put some money into a pension ;-)

    At the moment there's a decent tax break on pensions so you're not actually putting £20k in a year but £16k from the company...
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    Markets

    It's thought that many of the world's stock markets are too highly valued at the moment. Because of record low interest rates and too much QE (government money printing) asset prices including stocks...
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    Hold on while I go and get my glasses. ...

    Hold on while I go and get my glasses.
    https://en.wikipedia.org/wiki/Web_accessibility
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    Vid

    They sent this link out by email: https://crunch.wistia.com/medias/8vg6ymejoy?wvideo=8vg6ymejoy

    Check out the comments - not many people are impressed.
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    Maybe unpopular but...

    There's a good reason for inheritance/wealth taxes - it reduces inequality.
    High levels of inequality are bad because:

    1) It's unfair/immoral
    2) Someone nicks your Porsche all the time
    ...
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    Doom using only a pistol. Manic Miner Pac Man...

    Doom using only a pistol.
    Manic Miner
    Pac Man (well clocked it anyway)

    Lots of others.
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    advice

    If I were you, if you don't want to research this properly yourself I'd take proper financial advice.

    Yes it looks like it's done OK over the past 5 years but actually it's done about as well as...
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    A cake covered in smarties, some buns, jelly and...

    A cake covered in smarties, some buns, jelly and ice cream, some sandwiches. Bit of pass the parcel, musical chairs etc. Slice of cake to take home. How much can it be?
  34. Yes, saw that and no comments section available...

    Yes, saw that and no comments section available to correct it. Muppets.
  35. Thread: Bike luggage

    by Smartie
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    Always a fun ferry ride that - cross between a 36...

    Always a fun ferry ride that - cross between a 36 hour booze cruise and a rollercoaster ;-)

    Take the minimum amount of the lightest stuff you can. Too much weight, especially in a top box will...
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    I got £5 a day for picking potatoes around 1980....

    I got £5 a day for picking potatoes around 1980. The adults got £10...
  37. Thread: Bike luggage

    by Smartie
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    decisions

    Givi do soft pannier fittings: https://www.sportsbikeshop.co.uk/motorcycle_parts/content_prod/208963

    Depends what you need. With my Bandit 1200 I used a tank bag. they can be fairly streamlined or...
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    No change

    There is no cap. A cap will be part of the consultation already mentioned. ;-)
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    Interpretation may vary...

    See where the rising trend starts? Yes, around the time that Thatcher began decimating the industrial area of the UK resulting in massive unemployment. Of course people were heavily focused on...
  40. At the end

    If you made it to the end of the document, a few pages on 'digital'.
    They're going to be regulating the internet - will be interesting to watch.
  41. Plus moving jobs and investment out to the...

    Plus moving jobs and investment out to the regions that really need it, reducing somewhat pressure on housing and services in London. A good thing, if it happens.
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    Nope. NI is mostly for benefits including...

    Nope. NI is mostly for benefits including pensions which are also obviously going to cost us a lot more in the future. https://en.wikipedia.org/wiki/National_Insurance

    Really it's about money...
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    Unsupportable conclusion from what I said. No,...

    Unsupportable conclusion from what I said.

    No, I support FATPOU healthcare, though there will need to be a frank conversation about the level of taxes that will be required as the aged population...
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    tanks on the lawn

    The Tories are definitely parking their tanks on Labour's lawn. That will teach them to cede the 'centre' and move left.

    This policy appears pretty 'progressive' as the wealthy will pay more (as...
  45. Tories to 'simplify' tax system for self-employed

    Page 16 (paraphrased):

    Our tax system is too complicated, especially for the self-employed and small businesses. We will therefore simplify the tax system.

    Sounds like a good idea, right?.....
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    Or

    They could use sensible packaging like many other companies.
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    We'll have to do exactly that at some point and...

    We'll have to do exactly that at some point and probably in the next few years.

    If corporations own both the capital and the means of production, then no-one gets paid and no-one can afford the...
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    Je ne regrette rien.

    Je ne regrette rien.
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    Late to this party...

    Late to this party http://forums.contractoruk.com/general/121493-umbrella-companies-abolished.html
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    Doing fine, thanks for asking. Actually I have...

    Doing fine, thanks for asking.
    Actually I have had it so good before - a few years in the city around the turn of the century on rates that were exceptional compared to today.
    Of course I blew it...
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