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You should check with the provider but, yes, probably you’d need to claim anything beyond basic rate relief if you top up manually. One off salary sacrifice is probably the way to do it if your employer allows it. You will get the full relief without needing to claim on a tax return and some...

I got a nice surprise in the post today. I had complained to customer services over text message but didn’t follow it up. I was going to send a more formal letter calculating what I thought I was owed but hadn’t yet got round to it. Then today I got an unsolicited cheque for £2k with absolutely...

In my organisation, when we salary sacrifice into our pension, they top up with the employer’s NI contributions since they don’t need to pay those so it’s much more efficient than a SIPP. Not sure whether yours would be similar. If you salary sacrifice for Jan, Feb, Mar and the tax doesn’t...

Thought I’d post an update on this in case of use to anyone. Eventually I gave up chasing on this. Every so often VM would email or call to say my installation date had been delayed again. Finally, last week the construction works outside my house (digging a 3m trench in the pavement) were...

Thanks. Your graph is a useful point of comparison. Yes, in theory I can leave if the service isn’t good enough. But getting to the stage where they admit that, giving them the chance to fix it and if it doesn’t work convincing them to waive the termination fee is going to take quite a lot of...

I had 900/900 CityFibre installed with Vodafone about 3 weeks ago (annoyingly out of cooling off period). I’ve just gone back to work and noticed that zoom calls are intermittent so I set up a BQM. Looks like I have regular packet loss of up to 10%. I spoke to Vodafone support today. Went...

Have the same in my lawn. Ant hills all over the place. I brush over them but they pop up somewhere else. Tried ant powder but it seems to scorch the lawn.

We’re doing this now. Spotted a plot near us we liked. It’s a complex site so our investigations took a year but we now own it. We mortgaged our current place to buy the land. Will finance the build with savings and a mortgage over the site, preferably a standard resi mortgage but depends if we...

I was thinking of doing this. Apparently certain issues don’t attract CGT on the capital appreciation so you can invest through a general investment account and only pay tax on the income which is a tiny portion of the total profits. Good if you have used up your tax allowances for the year.

Many thanks to you and the other poster who responded. I had no idea how convoluted this would be. I’ve done a bunch of searching on the VM official forums and looks like this is indeed a very common issue. My CEO email has been ignored. I also hadn’t realised that I might be eligible for...

Any advice on how to move my installation along from people who might have faced the same issue? Virgin cable is laid along my street but my house was built after so there’s no access point. Virgin have sent multiple technicians to my house over the last 5 months. Each time they’ve been...

Wow! I knew AT1 were pretty funky but never realised they could be written off entirely whilst the equity retains value.

I’m no bond ETF expert but doesn’t this mean that the market expects some level of capital appreciation on top of the yield which will then result in a total return more in line with your expectation? The ETF might hold some old bonds which have traded down due to rising rates and there will now...

Tracker and discounted variable are different but neither are fixed. Like fixed mortgages, they usually behave this way for an initial period of time (say 2 years or 5 years) and then go back to the lender's standard variable rate (SVR). Trackers are tied to some benchmark, usually the BoE...

Sure, that's what I meant about the "trick question" part. But I really don't think this was the intention of the teacher given not a single other question in that set required anything other than inserting brackets to change the order of operation (versus your suggestion which inserts a...

There's only 4 possibilities (unless you think it's a trick question and you're supposed to do silly things with the brackets but that's unlikely). No amount of brackets can change the 6-5 (=1) but you can flip the signs of the 4 and the 3. This leaves: 1-4-3=-6 1+4-3=2 1-4+3=0 1+4+3=8 So it's...

This morning’s was very close to my usual initial guess. All but 2 squares were right and there was only one other option so got it in 2.

i don’t think you would be locked up if you hold out for the takeover to go through and end up holding TakeTwo shares. It’s quite a different situation to when Zynga acquired your former employer which was a private company, at which point the lock up would have been to incentivise employees...

My company is just about to start this so I’m thinking about it too, although a smaller car (ID3 or Tesla 3 sized). I might have some bits wrong but broadly the way I’m thinking about it is the lease payment is paid out of gross salary so you save your marginal tax rate on that. In your...

You can actually do this but it’s more complicated than just using the cos rule as has already been suggested. In fact, dropping a perpendicular in this way is one way of deriving the cosine rule. You end up with the bottom horizontal (AC in the diagram) being split in to x/2+1 to the left of...