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About afly

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  1. This is going to fuck these kids up good and proper. A generation of young formative minds being filled with the idea that contact with other people will make you sick or kill granny. It better be worth it
  2. Yes good biz Travelodge. Think it will be fine
  3. Divs not what they used to be. 20% corp tax to pay before you start and then amounts > £2k per annum attracting quite heavy taxation. Used to be more like 30k until the "party of business" cut it Worse if you're also in receipt of actual investment divs outside of a tax wrapper as they count too
  4. Put max tax free dir loan amount into premium bonds. Not much money in it but risk free and somewhat comical to get money from gov using gov money. It does seem crazy, anything stopping my other biz charging my bbl comp a monthly service fee until bust?
  5. Forgive me if raised already but one reason people will refuse to go back is kids. Until they re-open nurseries and primary schools it’s illegal for both parents to return to work. Those who have grandparents aren’t allowed to see them and those who don’t have any impromptu childcare support are significant size I’m not sure a forced removal of women (presumably) from the workplace will be politically palatable. I suspect businesses will struggle to sack people on this basis
  6. Wonder how many new companies will be created that charge the loaned company a "service fee". £4166.66 a month for the first twelve months sounds about right
  7. Seems to be purchasable under SIPP at least. Not under LISA tho 🤷‍♀️
  8. Seems to work with economist
  9. afly

    Code reviews

    I don't mind code reviews if they are constructive. Particularly performance improvements like string creation use in loop problems etc. But so much "good practice" in the coding world is subjective. Is it better to have complex, unreadable code heavy with comments or simple, readable code with no comments? Should testing have 100% coverage? Just the important, isolationary bits? Is there any value in TDD at all if you've rock solid, end to end CI testing? Not the same but another pet peeve of mine is daily stand up scrums can quickly become 'boss wants daily updates to make sure you're
  10. This is very clever way to plan an exit strategy. You've got silver gains and property losses working together to get you to your goal and if/when it happens, you're out. Doesn't matter if silver continues to the moon of property hits the floor you got what you wanted for a fraction of today's prices so you can only be so remorseful. Will have to have a think myself about such a plan
  11. If gov come good on the furlough scheme we're only a bit worse off than if we'd been working. My company have given me a decent top up over the £2500 which is still nowhere near my income but my wife gets 80% of hers and there's no £1k a month childcare to pay. Tot it all up and the rest I was paying was just tax mostly. Couple that with not much outgoing and a no q's asked mortgage deferment then happy days.. ..apart from suddenly becoming the full time entertainment centre for a 2 year old who isn't allowed to leave the house for 3 months
  12. Costco had sales on a lot of their fresh food this weekend (some of it very cheap) which is basically unheard of. I realised while I was there it's because of the restaurant shut down having its knock on effect
  13. Actually that costs aspect isn't something I had thought of, that's an excellent point just there. Sadly the options really are just shit. They only offer funds and they won't tell me what makes up the fund only what they 'aim to acheive'. Copy/Paste below. So I suppose the tricky bit is you need to calculate your return prior to the year end to know how much to pay into the pension. I have accountant linked to a small biz I have been running over the years who does my return but they wouldn't even start looking at it until the period is over --- L&G DC pension options
  14. OK looks like I just had to google this properly https://www.hl.co.uk/pensions/tax-relief/calculator 20% immediate relief, no questions asked. Additional 20% when filing return. So I guess I've just finally found out why some people don't wait until the last minute to file their taxes
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