VeryMeanReversion

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About VeryMeanReversion

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  1. I hereby propose Alderney for Dosbods island. A friend of mine is about to move there so I had a quick look. You may like this bit "Alderney is not, however, part of the European Union and as such does not have Value Added Tax nor is it subject to EU directives." It looks like a good tax dodge (see below) but I don't know what the living costs are. Only 1900 population so with enough Dosbodders, we could be running the government within a year! Pick your property: http://www.alderneyestates.co.uk/index.asp TAX ADVANTAGES – no VAT on goods imported from any EU country – no capital gains tax – no inheritance tax – no corporation tax – no taxes on Trusts whose beneficiaries live outside the island – maximum 20% income tax and generous personal allowance on income of persons who live on the island – 0% standard tax rate on company profits from 2008 (10% on Banking activities, 20% on Utilities and 20% on Guernsey/Alderney property income) IN EUROPE BUT OUTSIDE THE EU The Channel Islands are Crown Dependencies, however, not part of the United Kingdom nor part of the European Union. Alderney is a self-governing, democratic territory and one of the constitutive islands of the Bailiwick of Guernsey. Although self-governing, Alderney, along with the other Channel Islands, enjoys all the benefits of being part of the European Economic Area which allows for free movement of goods, services and people. Alderney is not, however, part of the European Union and as such does not have Value Added Tax nor is it subject to EU directives.
  2. For your first question, the electoral commission lets you legally register at two addresses but you can only vote once in the same election. For the rent-a-room scheme it looks like its for a furnished main residence only . It doesn't seem to be clear in the rent-a-room legislation, so you have to go to the Income Tax act. (my bold highlights below) http://www.legislation.gov.uk/ukpga/2005/5/part/2/chapter/2/crossheading/rentaroom-and-fostercare-relief (1)The rules for calculating the profits of a trade carried on by an individual are subject to Chapter 1 of Part 7 (rent-a-room relief). (2)That Chapter provides relief on income from the use of furnished accommodation in the individual's only or main residence (see, in particular, sections 792 and 796). (3)The rules for calculating the profits of a trade, profession or vocation carried on by an individual are subject to Chapter 2 of Part 7 (foster-care relief). (4)That Chapter provides relief on income from the provision by the individual of foster care (see, in particular, sections 813, 816, 822 and 823).
  3. I spend far more time than is healthy thinking about loopholes. The best one I can find is to employ yourself for <£195 per week (£1 is enough) and study for anything on the Ofqual list e.g. City & Guilds Level 1 Award in Floral Design (Contemporary Flower Arrangement - Table Décor) Then write yourself a letter as your employer claiming that your are an adult apprentice (which is completely true). Take as long as possible to do the course. Then claim status as an exempt adult (disregarded for council tax purposes) whilst you are training As far as I can see from https://www.gov.uk/council-tax/who-has-to-pay you don't necessarily have to only have one job. This will get you a 50% reduction. Otherwise, the best approach may be to claim severe mental impairment
  4. Regarding party > people, the polls would indicate the the Conservative vote has collapsed from 43% a month ago to 33% now. (see below) Losing a quarter of your voters in a month is pretty impressive. That's really the only thing they worry about, cause for panic with a potential GE looming as the piggies want to keep their troughs. The whole Brexit process is about blame avoidance to maintain votes. There has to be someone else to pin it on: Labour/Libs will blame the Cons Corbyn as a closet Brexiter keeps his mouth shut. The ERG are desperate not to get the blame. They can see that when they exercise their power to block the remainers, blame comes their way fast. The Cons want to blame anybody but there is no clear target. They are getting desperate. UKIP get to blame everyone So the Cons have no choice but to turn on May as the blame-dump, then hope they will get a fresh start as everyone will forget. New face but same-old, same-old.... The withdrawal agreement will be called the "May-deal" forever more to keep the blame focused. The Cons will elect a new pro-Brexit PM (deal agreed last weekend?) but nothing changes with an 80% remain parliament. http://ukpollingreport.co.uk LATEST VOTING INTENTION 24 Mar 33 33 8 7 Tie 22 Mar 36 35 7 9 Con +1 21 Mar 34 35 8 7 Lab +1 19 Mar 38 34 8 7 Con +4 17 Mar 34 35 8 6 Lab +1 15 Mar 35 33 11 5 Con +2 15 Mar 35 39 10 5 Lab +4 15 Mar 35 31 12 6 Con +4 15 Mar 38 34 8 8 Con +4 11 Mar 41 31 8 6 Con +10 8 Mar 39 34 12 5 Con +5 5 Mar 36 34 8 6 Con +2 4 Mar 40 31 11 3 Con +9 1 Mar 40 34 9 7 Con +6 23 Feb 41 30 10 5 Con +11 23 Feb 43 36 6 5 Con +7 22 Feb 40 32 5 7 Con +8 19 Feb 41 33 10 4 Con +8 18 Feb 40 36 10 5 Con +4 15 Feb 37 37 8 7 Tie 11 Feb 40 35 10 3 Con +5 8 Feb 38 35 13 5 Con +3 5 Feb 38 38 10 4 Tie 4 Feb 41 34 10 4 Con +7 1 Feb 41 34 8 7 Con +7
  5. Rather than giving exact numbers, I'll disclose based on gross salary (after sacrifice) = "x" House equity = 10 x Building plot = 5 x (free-market value) , 8x if I do the project myself SIPP = 9 x Dividend income in SIPP per year = 0.6 x More than a third of salary is sacrificed into SIPP each year with the aim of FIRE at age 55 (~5 more years). SIPP is mostly FTSE100/250, a wide range of stocks/sectors. I have around 30 different holdings. Some up 166%, some down 50%. Net running cost of SIPP is basically zero. The annual cost is nearly covered by cash back offers to transfer in. And my general view is this: 1. FTSE still looks like the best game in town. Yields are far better than the alternatives. I have no need for big returns, slow and boring suits me. 2. I've hardly any cash left in the SIPP. Any cash went on platinum/silver ETFs (17% of SIPP) rather than being 100% in equities. I'd rather own something real than hold cash. As divis roll in, I buy something when they get to £10K. I have no interest in bonds. 3. I'm aiming for total housing equity at 25x and pension at 20x to provide future housing/income. If the stock market crashes 50%, the housing could be used to replace the income (rent-a-room tax-free). 4. In FIRE, I'll pull 5% of SIPP per year until state pension age then 3% afterwards. Will have similar disposable income as now and the kids might have moved out by then. 5. Expect long term falls in nominal house prices but not enough to justify selling to rent. (Did that once before). 6. I'd never invest in a PM miner (Old quote - "liar standing in front of a hole") or Buy-to-let. 7. I rarely sell, just buy and hold. 8. I have "laddered" but don't plan on doing it again. I'd rather go wider than deeper. 9. I like my job but don't want to be doing it full-time any more. Have some EMI options as potential upside but need to do 25 hours per week to keep them
  6. I watched it, worth 50 minutes of my time. He is DOSBODS only political representative as far as I can see. If they can keep Carl Benjamin (Saargon) on their side, I wonder if he will eventually become leader.
  7. You appear to be honest as far as I can tell, I have not claimed otherwise. However, I do think you believe things that are not true hence are deluded and a great example for this thread. Please keep posting. As for bitterness, I do not appear to meet the definition. I make no claim to have been treated unfairly and am in no way angry. The resentment you may attribute to me is simply me interpreting your posts with my point of view. deluded Dictionary result for deluded /dɪˈluːdɪd/ adjective believing something that is not true. bitterness Dictionary result for bitterness /ˈbɪtənəs/ noun ... 2. anger and disappointment at being treated unfairly; resentment. "he expressed bitterness over his dismissal without notice"
  8. Here is the untwisted version then >There haven't been many decent men to turn down. Strong evidence that you don't attract decent men. >I have had hundreds of men after me You probably look good and indicate ready availability. > but I haven't met the one. The "one" settled down with someone else many years ago. >Most men who have shown an interest have only been after one thing and many of them already had a partner. See above. > As I lived in a New Age haven for fifteen years, I've had a lot of weirdos after me. Bear shit found in wood headline goes here. >Likewise, as I've lived in a holiday destination, I've also had many low quality men after me. You are not maximising your chances. >Honestly, in fifteen years of living abroad I was never wooed by a good man. Woo the ones you like then and let them decide whether you are a good woman.
  9. Mostly agree but from what I've seen, the world of MGTOW seems to stem from the unfairness (perceived or otherwise) of the divorce/family courts. i.e. High probability of divorce causes loss of 60-70% of assets and limited access to children. Bad deal. If you see bare-faced hatred, comment on it. I don't think we have any snowflakes here.
  10. You went to catch a fish in the wrong river with the wrong bait. You hooked hundreds of fish, kept a couple of bad ones for a while but still carried on with the original plan anyway. Then complain there's no good fish. Looks like you had a bad plan. If you describe your view of a good man, other posters may be able to suggest a better plan.
  11. You made your choices with sufficient evidence yet it's their fault. I used to find this method of reasoning confusing but now I simply file it under female logic. It's like fuzzy logic but with no inputs or internal processing. The gist is that some ladies have overestimated their value on dating sites. (As of course do men.) I always found it funny how women see only the top 20% of men as above-average yet men see the top 50% of females as above average. Hence D for delusion. You've come to the right place. Sounds like the MGTOW approach. (DOSBGTOW?) The downside of course is that nobody breeds any more. Alternative idealogies with head-coverings are available.
  12. Best google match was
  13. Be very careful (add a few more "very's"). Your pension needs to provide a reliable income for you in retirement. Getting a reliable income when controlling the investments yourself involves a lot of learning (and risk). There are many opportunities to get ripped off. I would consider a "high" transfer value something like 40-45x the future guaranteed income. If it's < 30x, that's not good enough as it's not easy to get a very low risk 3.3% return after all investment costs. Also consider side benefits of DB scheme of spouse pension and guarantees. Moneybox (Radio 4) had a program recently about the British Steel workers being offered deals like this that turned out to be very bad for them. This is still available on iplayer radio. (one of the pension episodes). Find out what your DB scheme offers as an income then see what an annuity would cost to provide that income. Then have a lie down.
  14. Sounds like my last performance appraisal. I should have known my "taking-a-dump-cam" monitoring system wasn't going to be popular.
  15. The probability is 100% that the white male is to blame. The feminazi teacher will claim early retirement and a pension boost for the stress and go home to her cats. The student will end up renting a BTL from her.