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Does anybody have any advice on the easiest way to get a will sorted?
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# ? Aug 21, 2014 20:23 |
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# ? Jun 8, 2024 10:38 |
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They used to sell kits in WH Smith. Where there's a will there's a way.
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# ? Aug 21, 2014 20:28 |
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Late to the party, but, given that the police in some cases fathered children, is the CSA on to them for child support, I wonder? I bet it isn't, duh
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# ? Aug 21, 2014 20:34 |
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Zephro posted:Late to the party, but, given that the police in some cases fathered children, is the CSA on to them for child support, I wonder? The police probably pay it, like an expenses thing.
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# ? Aug 21, 2014 20:38 |
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TinTower posted:(but not disclosing STI status doesn't). While this is true, it's only true because GBH is a more fitting crime than rape, and assault resulting in GBH is the actual charge for not telling someone you have an STI.
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# ? Aug 21, 2014 21:04 |
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Spangly A posted:While this is true, it's only true because GBH is a more fitting crime than rape, and assault resulting in GBH is the actual charge for not telling someone you have an STI. GBH doesn't get you on the register, though.
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# ? Aug 21, 2014 21:18 |
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Xachariah posted:Yeah but it's not as progressive a tax as income: I don't wish to dredge up an old post, but I really think this needs to be corrected: National Insurance is a regressive tax. For the upper band, the 2% of your earnings over £805 is all that is paid in NI contributions. It goes from 12% to 2%. This is something which should be a scandal since it is so horribly regressive, but somehow never gets mentioned.
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# ? Aug 21, 2014 21:26 |
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Dange posted:For the upper band, the 2% of your earnings over £805 is all that is paid in NI contributions. It goes from 12% to 2%.
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# ? Aug 21, 2014 21:57 |
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Semprini posted:It's not all, they still pay the 12% between £153 and £805. That doesn't make it any less regressive though, since your effective rate asymptotes down towards 2% as your income increases past the £805/week threshold.
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# ? Aug 21, 2014 22:07 |
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True, I was just correcting a small factual point. Though if you're income's at that level, chances are you've arranged your affairs to avoid paying the NI in the first place.
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# ? Aug 21, 2014 22:27 |
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Semprini posted:True, I was just correcting a small factual point. Yes, I should have been clearer that my reference to 2% being all that was paid on earnings above £805 referred only to tax paid on those higher earnings, and that 12% had already been paid on the lower level of earnings. This was because I was replying to an earlier post suggesting that 14% was being paid, when in fact 2% is all that was being paid. That said, I don't think this slight ambiguity detracts from the fact that it is a horribly regressive tax. Suggesting (possibly correctly) that those in line to pay it may have restructured their affairs to avoid paying the tax is neither here nor there. We have a horribly backwards tax at the heart of the UK taxation system. In fact, when you account for the different levels at which the marginal rate of income tax changes (and I am going to ignore the band between ~£32,000 and ~£42,000), the combined income tax & NI rates payable in the UK are 0% (for the first ~£8,000 to ~£10,000), then 32% at around £10,000; 42% at around £42,000, then 47% at £150,000. Bearing in mind the fact that richer individuals will structure their affairs in a more "tax-efficient" manner, we have a situation in the UK where the less well off pay more or less the same as the better off. As I said in my previous post, this should be considered a scandal. Regrettably, the issue is never raised by any institution in this country, and people seem to miss this fact as a result.
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# ? Aug 21, 2014 22:48 |
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Whitefish posted:My feeling is that the key difference is that UK politicians spend much less of their time actively fundraising when compared to US politicians. My impression is that to be a prominent US politician you have to be fundraising constantly. E.g. I don't think the scale of fundraising in UK politics approaches the sort of thing discussed in this podcast: http://www.thisamericanlife.org/radio-archives/episode/461/take-the-money-and-run-for-office<snip> Just wanted to say thanks for taking the time to post such a detailed response. Edit: To continue the tax theme, UKIP actually have a tax policy, who knew it. They've given up the flat tax idea, but are lowering the top rate to 40% while ensuring anyone earning minimum wage or below pays no income tax at all. Prince John fucked around with this message at 22:58 on Aug 21, 2014 |
# ? Aug 21, 2014 22:53 |
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Prince John posted:To continue the tax theme, UKIP actually have a tax policy, who knew it. Which is basically what the coalition are doing anyway, funnily enough. Actually raising the income tax threshold to £12,500pa (i.e., just above NMW) lowers the living wage by about 25p, as the living wage calculation takes income tax into consideration.
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# ? Aug 21, 2014 23:11 |
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Prince John posted:Just wanted to say thanks for taking the time to post such a detailed response. UKIP has always been a MAH TAXES party, that £ isn't in the logo because there's a danger we'll be adopting the Euro or anything. So really, huge tax cuts for the rich, a few crumbs for the poor - with the personal allowance at £10,000, if you earn minimum wage you won't pay any income tax on your first 30.5 hours of work anyway. If you work 40 hours then sure that's £623 a year in your pocket, but there'll be cuts in services and other welfare to pay for it all, and you're probably not going to work out better off. If you were already earning less than that then too bad!
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# ? Aug 21, 2014 23:23 |
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Dange posted:Bearing in mind the fact that richer individuals will structure their affairs in a more "tax-efficient" manner, we have a situation in the UK where the less well off pay more or less the same as the better off. As I said in my previous post, this should be considered a scandal. Regrettably, the issue is never raised by any institution in this country, and people seem to miss this fact as a result. The only reason I have the first idea what NI might be for is because I've been on the dole and noticed that I'd have gotten bigger payments (how much bigger? for how long? gently caress knows) if I had any contributions to my name. Beyond that I haven't the faintest. You wouldn't think I'd need to know anything about it to get mad about it being backwards (which I didn't know until just now mind), but I guess the mystery coupled with the lower rate compared to income tax allows it to slip under the radar for most people. -- Speaking of taxes, does anyone know [or know the magic words I can mutter at the gov.uk search engine to find out] how to get out of having an emergency income tax code, and how to get the money back? I assume the latter is a matter of applying for a rebate this March-ish, but I'm not sure if the tax code thing will fix itself or what since I'm technically on zero contracted hours (even though I'm all but guaranteed permanent work since everything is on fire all the time at my current placement).
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# ? Aug 22, 2014 07:06 |
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If you're on PAYE it should be sorted out automatically at the end of the tax year, although that's a while away. If you want to get it changed before then you'll probably have to speak to someone at HRMC. I doubt you can do it online because tax is so amazingly complicated. I know I couldn't when I was temping and stuck on emergency tax because I had a dozen different jobs in a given year.
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# ? Aug 22, 2014 11:25 |
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When that happened to me I called HMRC and after sorting it out on the phone I had a new code and they sent me the money after a few weeks. It did take over a week to clear though which took the piss somewhat as it was a decent chunk of money.
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# ? Aug 22, 2014 11:28 |
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Renaissance Robot posted:The only reason I have the first idea what NI might be for is because I've been on the dole and noticed that I'd have gotten bigger payments (how much bigger? for how long? gently caress knows) if I had any contributions to my name. Beyond that I haven't the faintest. Grab a p60 or a statement of earnings YTD Find your current tax code and NI number Call HMRC, explain to the very helpful people They will confirm the PAYE numbers and if the tax code is wrong they will either fix it there (very fast) or ask you to mail them the documents. This takes up to 6 earth weeks. Make sure they adjust your tax code retroactively if it is inside a tax year (not on a week 1/month 1 basis). You may or may not get a refund or be asked to pay. Go to your payroll dept and ask them to confirm the changes were made. You will get a letter with the changes eventually but they are reflected online before that happens. The paper check (wtf) takes weeks to come and clears after a week because this dumb country's clearinghouse system is awful.
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# ? Aug 22, 2014 13:13 |
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Poison Jam posted:When that happened to me I called HMRC and after sorting it out on the phone I had a new code and they sent me the money after a few weeks. It did take over a week to clear though which took the piss somewhat as it was a decent chunk of money. Yeah, they can generally sort it over the phone. My tax code for 2012 was buggered; I went from unemployed to temp to permanent employment halfway through the year, but HMRC somehow interpreted that as my primary employer being Jobseekers Allowance, and my secondary employer being my actual full-time job, so my tax status was so hilariously screwed their system sent me 5 envelopes worth of contradictory PAYE data that came to about 85 pages of worthless nonsense. When I phoned up they were really good, actually. The bloke on the phone was unsurprised, took all my details, managed to pull up the correct start/end dates for my employment off his system and a week later I had a simple 1 page letter confirming my correct code and a cheque for £2500 worth of incorrect taxation. Apparently it happens quite often when going unemployed-temp-permanent in a short space of time, which seems fairly ridiculous when you consider the amount of people that must go through that process.
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# ? Aug 22, 2014 13:33 |
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Energy company refuses to pass on fall in wholesale prices to consumers because it might not be able to gouge them again after the next election: http://www.theguardian.com/money/2014/aug/22/npower-blames-labour-energy-price-freeze The Guardian posted:The chief executive of one of the UK's biggest energy companies has said his firm has not reduced fuel bills because of the Labour party's threat to freeze prices. "Won't someone please think of our profits?!" e: forgot the link.
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# ? Aug 22, 2014 15:19 |
http://www.bbc.co.uk/news/technology-28896675 Almost 3 years in jail for recording a film from the back of a cinema, probably with a phone. https://www.youtube.com/watch?v=ALZZx1xmAzg
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# ? Aug 22, 2014 15:19 |
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bitterandtwisted posted:http://www.bbc.co.uk/news/technology-28896675 Pretty much every quote in that piece makes me angry, from Fact and their "millions of pounds" of losses for Universal Pictures to the filth's "We assisted the Federation Against Copyright Theft throughout this case with search warrants, forcing entry to addresses and making arrests. We also supported with evidence recovery and interviewing suspects.Fraud comes in many guises and ultimately affects all of us." I can think of a particular kind of fraud the CPS have only yesterday declined to prosecute. That can't be one of the "many guises" he meant though.
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# ? Aug 22, 2014 15:31 |
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bitterandtwisted posted:http://www.bbc.co.uk/news/technology-28896675 Now now, let's not get tabloidy. He used a camcorder, and was selling physical copies of the film. Recording isn't (apparently) an offense in itself, but combined with his other actions it becomes an offense. Also he was a gigantic idiot, using the same usernames in email addresses and across sites, and selling the disks via facebook of all things. And he did it having been previously arrested and released for a similar offense. He should have quit while he was ahead. Harsh sentence when compared to other crimes but I have trouble finding sympathy with such unrepentant idiocy. It makes me all the more unsympathetic that his idiocy has given the entertainment industry lawyers another victory to gloat over.
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# ? Aug 22, 2014 15:37 |
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E: Beaten more eloquently.
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# ? Aug 22, 2014 15:38 |
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In case you're wondering why there's a massive sexism and homophobia problem in football, seems like the League Managers Association have explained why. Clearly, Malky MacKay is the Archbishop of Banterbury.
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# ? Aug 22, 2014 15:41 |
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TinTower posted:In case you're wondering why there's a massive sexism and homophobia problem in football, seems like the League Managers Association have explained why. To be fair they aren't harming their minority managers with that comment, because there aren't any
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# ? Aug 22, 2014 15:46 |
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TinTower posted:In case you're wondering why there's a massive sexism and homophobia problem in football, seems like the League Managers Association have explained why. They have since come out and reaffirmed their stance on homophobia, misogny and bullying (that they're against it in all forms). Seems like in a rush to defend a union member they overstepped the mark; LMA posted:“The LMA apologises for some of its wording, in its release yesterday, which was inappropriate and has been perceived to trivialise matters of a racist, sexist or homophobic nature. That was certainly not our intention.
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# ? Aug 22, 2014 15:50 |
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Total Meatlove posted:They have since come out and reaffirmed their stance on homophobia, misogny and bullying (that they're against it in all forms). Seems like in a rush to defend a union member they overstepped the mark; And Cardiff are demanding the head of the LMA resigns over this, which seems reasonable. http://www.bbc.co.uk/sport/0/football/28898540
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# ? Aug 22, 2014 16:18 |
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"we apologise for the wording" ie not the content. standard non-apology
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# ? Aug 22, 2014 16:24 |
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KKKlean Energy posted:
quote:Officers were able to trace him after he used the username TheCod3r to leave a comment on a well-known pirated movie website.
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# ? Aug 22, 2014 16:33 |
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Spangly A posted:To be fair they aren't harming their minority managers with that comment, because there aren't any It appears he left football this year nvm. The football league has made leaps and bounds to stifle racism in its supporter base but you're right in that management/boards are an absolute white wash.
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# ? Aug 22, 2014 17:27 |
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Poor TheCod3r. It seems like he got into all this trouble because he just couldn't stop himself gobbing off online quote:Sentencing Recorder Keith Raynor said: ‘This was bold, arrogant and cocksure offending.
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# ? Aug 22, 2014 17:52 |
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Philip Danks is my new hero.
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# ? Aug 22, 2014 17:54 |
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gorki posted:Poor TheCod3r. It seems like he got into all this trouble because he just couldn't stop himself gobbing off online Edit: Although he deserves 3 years for his abuse of the apostrophe. tooterfish fucked around with this message at 17:57 on Aug 22, 2014 |
# ? Aug 22, 2014 17:54 |
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gorki posted:Poor TheCod3r. It seems like he got into all this trouble because he just couldn't stop himself gobbing off online Haha this guy is awesome
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# ? Aug 22, 2014 17:58 |
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That's someone from the thread that won't be posting for a while.
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# ? Aug 22, 2014 18:01 |
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I've never really understood people in the UK doing those cinema filming jobs for dodgy DVDs surely somebody else in the world has already beaten them to it?
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# ? Aug 22, 2014 18:07 |
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ze germans are making food cheap and now the supermarkets are having a little scrap: http://www.independent.co.uk/news/business/analysis-and-features/war-on-the-aisles-sees-first-fall-in-food-sales-9684798.htmlquote:Britain is in the midst of a supermarket price war that has so far taken the scalps of Tesco’s chief executive and finance director, ended Sainsbury’s unprecedented nine years of sales growth, and seen Morrisons suffer some of the biggest sales falls in living memory. Deflation ho!
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# ? Aug 22, 2014 18:15 |
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I just read THOSE BRUSSELS BUREAUCRATS are going to make me use a lovely underpowered vacuum cleaner. Farage was right/it's happening.
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# ? Aug 22, 2014 18:55 |
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# ? Jun 8, 2024 10:38 |
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Will this affect my access to Henry vacuum cleaners?
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# ? Aug 22, 2014 18:58 |