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I don’t mind the personal insults but the homophobia is probably one for @Velocio to opine on.

not this thread too
dude just fuck OFF

now trying to remember the "fixie" videos from back in the day. Two that spring to mind were "stopless path" and the guy that went touring with a track pump in his messenger bag.

#rep

Goldeneye / Windows 95 vibes

those of a sensitive disposition may not wish to click this link

the ridgeway

lol, the prestigious Cuffley Ridgeway

I don't understand this trend of trying to make houses look like're some kind new build

I'm sure people on velocipede forums when the bottom one was built would have said they didn't understand the trend of trying to make houses look Tudor.

I might be mis-sleuthing here but the two estate agent boards make me think the new building is flats. If so, gets ticks from me for increasing density and (probably) upgrading efficiency.

lol, presumably they are looking forward to flashing their dangly bits at each other from those hallways.

Presumably the big tree with a TPO on it you see in the first picture succumbed to some tragic disease during the construction process.

I sort of understand having massive windows if there's a view to look at. But the one you've posted is horrid.

Strange chimneys on the "before" - did the other half of the semi get bombed? But then hard to picture what the roof would have looked like.

Just grow something on it. Generally it all needs to weather a bit and stop looking box-fresh. I suspect the dull light is particularly unflattering in the second picture as well.

Unless you live in a very rural location or it's a second property you don't visit much I can't see the benefit of the "smart" alarms.

Day late but dressed up for a stag party today. If you see an overdressed twat watching the rugby in Soho… that’s me

telling us she can't believe anyone would market a property without a video tour

Never have I ever bothered to watch a video tour for a property I've been interested in buying.

the median was exactly £33k in 2022

appears to be intelligent

Only a veneer. He's into homeopathy and a load of woo woo bollocks.

Feels to me like there would be some kind of deadweight inefficiency introduced by taxing one group of rich people more to pay transfers to another group of rich people, but I sort of get the sentiment.

Don't underestimate how much people like hypothecated taxes though. The (incorrect) idea that NI is some sort of personal pot or insurance policy you fund allows the collection of more feathers with less clucking (as de Tocqueville almost said).

The take home on 150k vs 160k is not a lot after tax as a %

The marginal rate up there is only about 47% as NI goes down to 2% and most of the income-contingent benefits are already gone. £5.3k is probably not nothing even if you were already on £150k.

There’s no good solution to these cliff edges. Start tapering the support at lower income levels and you create really high marginal tax rates. Have no cliff edge and you are giving £££ to mega earners.

For anyone caught by this isn’t the simple solution to chuck anything over £100k in your pension for a few years?

Sounds like the policy worked then!

So if your accrued pension now was £5k that was multiplied by 19 to give LTA value of £95k

Just crossed posts. The 19x is just an annuity rate upside down - I think that number may have been higher in the past when rates were lower (I saw 20x somewhere when I quickly googled this). So a small benefit, not enough to radically change the equation.

See post above. Question is how you value the final salary entitlement (which is a longevity x discount rate x inflation question).

Doing a quick google it looks like a simple 20x multiple is used for LTA purposes (equivalent to a 5% annuity rate). Suspect this is a bit of a fudge and on an "economic" basis the entitlements were worth a lot more during the period of low interest rates