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Nice people thread part 6 - thrice by twice as nice :)

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Comments

  • LydiaJ
    LydiaJ Posts: 8,083 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    silvercar wrote: »
    If you went somewhere where there were loads of children and activities for them, you may find that the children are occupied and you could relax in the sun. Though I totally understand the extra worry of looking after them alone abroad. Could you holiday with a friend + their children?

    I could... if I had a friend who wanted to spend their holidays doing that. Since "the accident", DS has hated organised activities for large numbers of children anyway. I am hoping this will change in time, but it hasn't yet. In any case, I've acclimatised to not having expensive holidays now, and wouldn't really want to find the money to go abroad. We never had paid-for holidays when I was growing up, so spending the summer going round the UK visiting all the people who are important to me seems normal to me. :)
    Do you know anyone who's bereaved? Point them to https://www.AtaLoss.org which does for bereavement support what MSE does for financial services, providing links to support organisations relevant to the circumstances of the loss & the local area. (Link permitted by forum team)
    Tyre performance in the wet deteriorates rapidly below about 3mm tread - change yours when they get dangerous, not just when they are nearly illegal (1.6mm).
    Oh, and wear your seatbelt. My kids are only alive because they were wearing theirs when somebody else was driving in wet weather with worn tyres.
    :)
  • silvercar
    silvercar Posts: 49,934 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    vivatifosi wrote: »
    I'm looking for a new car from next year so if anyone has any ideas please let me know. I want a small hatchback, pref with four rather than two doors. It has to be petrol rather than diesel as diesel triggers asthma which I don't get otherwise. I'd also like it to have air conditioning and be reasonably nippy. I'm looking to buy a pre-reg for no more than £12k.

    Its also got to be well built, I like to have my cars from new and then run them for about 14-15 years. Currently Polo is the frontrunner.

    Honda Jazz

    Toyota Yaris

    Nissan Note
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • MiddyMum
    MiddyMum Posts: 425 Forumite
    zagubov wrote: »
    Good to see you back here middymum. Hope the uni application goes smoothly. As regards cost, Brighton's almost as bad as London and Aberdeen too for accommodation.

    Had friends who lived on the A259 beachfront road. Lovely basement flat they had (rented it). Parking was so difficult you had to warn them when you were coming so they could keep a parking space for you.

    They had to move away before starting a family as there wasn't much housing suitable for families. Actually when you think about it there's not many houses bigger than two-three bedrooms in much of London. Ours is four-bed but we're so close to the edge of London I cross the boundary when I walk the dog every day. :)

    Thank you Zag, parking is bad in Brighton. See pic attached, this was outside my flat last year! :rotfl:In Brighton, there are plenty of flats, flats, flats which is OK but not ideal with a family. Brighton is so expensive to rent in but most people live there and commute to London. I don't envy them lol. If you want the house with a sea view you are going to need to spend in excess of 350k. But most people who work in Brighton, dont earn anywhere near enough to get a mortgage for that. It's still cool seeing Fatboy Slim and Zoe shopping in Next though :D

    BrightonParking.jpg
    8k in 2015 Challenge ( #167)
  • GDB2222
    GDB2222 Posts: 26,492 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    bonus day is fun, this year my bonus was more than my entire salary was in my first year of work. i wish someone could design some bloody PAYE software with logic in it which doesn't assume that you will earn that much a month for the rest of the tax year - they pay ours in april so i got nailed for 50% tax on most of it which is still slowly dribbling back as it adjusts itself every month since.

    You probably know this, but it's not the particular PAYE software your employer is using. That's just following the algorithm laid down by HMRC.
    No reliance should be placed on the above! Absolutely none, do you hear?
  • silvercar
    silvercar Posts: 49,934 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    Love the number plate on the Smart car.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • PasturesNew
    PasturesNew Posts: 70,698 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Wet, wet, wet. A torrential downpour earlier had the local roads flooded..... been out, it was wet, so I've come back. No point trudging nowhere in the rain - it's hard enough thinking this is "doing something" when it's dry/sunny!

    Bought a cold pasty, in a paper bag, banged in onto the vents on the dash and 20 minutes later I parked up overlooking a lake and ate a warm pasty :)

    Saw a cute dog, with very wet paws, being walked round the lake.... and he kept barking ferociously at the swans..... swans'd fluff up their feathers ready to fight and the sodden dog-owner'd be dragging the wet-pawed-pup away.... so, that was about 2.5 minutes of something to look at.
  • JonnyBravo
    JonnyBravo Posts: 4,103 Forumite
    Mortgage-free Glee!
    edited 29 August 2012 at 5:06PM
    bonus day is fun, this year my bonus was more than my entire salary was in my first year of work. i wish someone could design some bloody PAYE software with logic in it which doesn't assume that you will earn that much a month for the rest of the tax year - they pay ours in april so i got nailed for 50% tax on most of it which is still slowly dribbling back as it adjusts itself every month since.
    GDB2222 wrote: »
    You probably know this, but it's not the particular PAYE software your employer is using. That's just following the algorithm laid down by HMRC.


    But it can't be compulsory to use this algorithm as my employer doesn't suffer with this problem. They know it's a bonus and treat it as such
  • chewmylegoff
    chewmylegoff Posts: 11,469 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    GDB2222 wrote: »
    You probably know this, but it's not the particular PAYE software your employer is using. That's just following the algorithm laid down by HMRC.

    i wasn't aware of that - i always presumed that it was because the people in payroll who operate the system cannot be trusted to do anything manually and that a system which just assumes whatever you earn this month you will also earn next month was the easiest to program.
  • PasturesNew
    PasturesNew Posts: 70,698 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    i wasn't aware of that - i always presumed that it was because the people in payroll who operate the system cannot be trusted to do anything manually and that a system which just assumes whatever you earn this month you will also earn next month was the easiest to program.
    Before computers you'd look it up in a big book .... the big book simply worked on a basis of tax free accumulating 1/12th per month .... so the big book told Payroll each month how much of your total pay to date is tax free. And computer programs replicated this, as they would.
  • purch
    purch Posts: 9,865 Forumite
    the people in payroll who operate the system cannot be trusted to do anything manually.

    Excuse me !!!

    These are highly trained H.R. Professionals you are talking about.:eek:

    The days of personnel and payroll clerks are long behind us.

    It takes years of training to use the Bradford Formula to work out that an employee is a lazy good for nothing waster. In the bad old days before this training it was always assumed that they were good for nothing lazy wasters.......it's a huge difference.
    'In nature, there are neither rewards nor punishments - there are Consequences.'
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