Everyone lost in the Ether II

izzy65

Hi TM, really good actually, have a small area on one incision not healing and about a cm on the other which is good out of a 8 inch scar, I was warned that getting a tx kidney out was worse than getting one in but I found it a doddle so looking forward to Christmas now , thanks for thinking of me , good day to the elite

silvercar

TrulyMadly wrote: »

What dates are on it please silvercar?

Page 35 of the Main Sunday Times section. £5 off wys £40 on food, flowers, wine and beer. Valid from today until Tuesday 8 December.

TrulyMadly

izzy65 wrote: »

Hi TM, really good actually, have a small area on one incision not healing and about a cm on the other which is good out of a 8 inch scar, I was warned that getting a tx kidney out was worse than getting one in but I found it a doddle so looking forward to Christmas now , thanks for thinking of me , good day to the elite

Great to hear izzy....you are a trooper.

What is a tx kidney?

purpledonkey

spasguidedogs wrote: »

On BBC News

Leytonstone Tube stabbing a 'terrorist incident'

Yesterday I worked 8am to 11pm and got home at 1. You know when you're peeved at why the traffic was terrible then read why? I really don't understand people. I hope the people that were hurt are recovering.

izzy65

TrulyMadly wrote: »

Great to hear izzy....you are a trooper.

What is a tx kidney?

One that's a transplant, not your own original:o

Savvybuyer

sarahskint wrote: »

2x Onken Mango, Papaya & Passion Fruit Biopot Yogurt (450G)£2.80£2.00
1x Birds Eye Field Fresh Garden Peas (1.37KG)£3.00£3.00
1x Onken Cherry Biopot Yogurt (450G)£1.40£1.00
1x Onken Raspberry Biopot Yogurt (450G)£1.40£1.00
1x Halls Soothers Honey and Lemon (10PK)£0.40£0.40
6x ASDA Home Baking Dumpling Mix (142G)£3.60£3.42
1x Colman's Original English Mustard (100G)£1.00£0.85
2x ASDA Mandarin Segments in Orange Juice (298G)£1.16£1.20
8x ASDA SmartPrice Sliced Carrots in Water (300G)£1.52£1.52
1x ASDA Grower's Selection British Spring Greens (500G)£0.68N/A
5x ASDA Fresh Linen & Gardenia Plug In Diffuser (UNIT)£20.00£5.00
4x Princes Pineapple Slices in Juice (432G)£3.96£4.00
4x Ambrosia Devon Custard (1KG)£4.00£4.00
1x ASDA Smartprice Eggs (15PK)£1.20£1.25
4x Del Monte Fruit Cocktail in Juice (415G)£3.00£2.40
2x Halls Soothers Blackcurrant Flavour Sweets 10 pack (10)£0.80£0.80
1x ASDA Pork & Egg Roll (227G)£1.14£1.03
1x Halls Soothers Cherry Flavour Sweets 10 pack (10PK)£0.40£0.40
2x ASDA Mozzarella Sticks (180G)£2.00£2.00
8x Sweetcorn in Water (326G)£2.80£2.80
4x "ASDA Home Baking Square or Round Cake Boards 10"" (1PK)"£3.16N/A
1x Bassetts Liquorice Allsorts Sweets Carton (460G)£2.00£2.00


this was my C+C from yesterday
Remote - yes the plug ins still work

Is Home Baking Square or Round Cake Boards picking up Morries price (even though that went up from 79p to 82p probably a couple of months ago)? TIA.

zippydooda

1x Bollinger Champagne (75CL) £44.00 £30.00
1x Castello Danish Blue Extra Creamy (125G) £1.00 £1.50
1x Moet et Chandon Imp??rial Brut (1.5LT) £59.00 £59.00
1x ASDA Extra Special Tuxford & Tebbutt Blue Stilton (200G) £1.50 £2.55
Comparison total (compared products only) £105.50 £93.05
+£12.45 cheaper

n/a's removed v tesco

Call_of_Trouty

Sad_Dad wrote: »

Foreigner, as in doing some work for cash in hand, often using work's equipment without their consent and not declaring what you have earned. Sometimes doing the work when they should be working for the company that employs them.

Well you learn something new everyday, never heard it called that before, i'd call it moonlighting.

zippydooda

Call_of_Trouty wrote: »

Well you learn something new everyday, never heard it called that before, i'd call it moonlighting.

when i was working in the railway factory (1986), work done for yourself or making stuff for friends was called a foreigner. surprised youve not heard of it as your a swindonian

michaels

harryhfp wrote: »

OK I'm going to have a stab at the £40K pension contribution scenario.


The married couple A & B have earnings as follows: A £50K, B self employed with a loss-making business -£5K.


A pays the maximum £40K into her pension. She will actually pay £32K as the pension provider will claim back basic rate tax from HMRC - this is £8K making the total £40K.


A claims back another £8K through her self assessment tax return because she is a higher rate tax payer. So she has actually (net) paid £24K to get £40K of pension contributions.


Because A & B are entitled to tax credits, they need to calculate their joint income. Personal pension contributions are offset against A's income, as is B's business loss. So £50K of income minus £40K of pension contributions, minus £5K of B's business loss = £5K.


A & B have 3 children so they will get the full tax credit entitlement for 2015/16 = c.£13K.


They will also benefit from a reduction in A's income tax (because of the pension contributions) = a rebate of about £2K, a rule I do not understand, perhaps somebody will explain?


So effectively thanks to tax relief on pensions contributions & the way the tax credit system works, A & B are entitled to approx. £31K of help from the Govt.


The main disadvantage is that pensions bring their own problems, including inflexibility/ poor access to money/ risks of investing etc. However, the new rules on making it easier to get access to your money tied up in pensions make this less of an issue than in the past.


http://www.pensionsadvisoryservice.org.uk/about-pensions/saving-into-a-pension/pensions-and-tax/tax-relief-and-contributions
http://www.which.co.uk/money/tax/guides/tax-credits/working-tax-credits-how-much-you-get/

They have missed a trick, B could also pay 2880 into their pension and have it topped up by the govt to 3600 which could also be offset against their tax credits income. Plus if A actually earned 60k they would also benefit from not losing 2.4k of child benefit that they would otherwise lose.

They need to be careful about the 5k final income because if it is a reduction from previous years then 2.5k will be added for tax credits calc purposes so the actual assessment will need to be done on 7.5k which may be into the withdrawal band.

Also A as well as having the 40k annual allowance may well have rollover allowance from the previous 3 years when the allowance was 50k, 50k then 40k.

With the full ctc amount they should also be able to get school music lessons at 50% discount.

They can also use the married couples tax allowance which as a higher rate tax payer they wouldn't have been able to worth 200 quid.

It would be nice if they could also get free school meals but to do so they would have to give up wtc which is more even with 3 kids. Depending on assets they might also be able to look at council tax benefit and if they rent, housing benefit.

Finally had they been able to do salary sacrifice rather than personal pension contributions they would save on NI and potential get a share of the employers NI.

I do all the above.