Trip Hop

I hope you're being sarcastic there as even the Mrs calls Soi Honey, Soi Katoey?

My daughter is flying in with them on a Dreamliner from LGW on Sunday. Slightly stripped back options available, i.e. no checked bag, single meal etc to reduce cost if you want but if you upgrade to their premium economy the cost is on par with EVA and Thai. Should provide good competition though so maybe the latter will drop their prices?

Possibly one of the better ones but from what I know as fact, definitely not whiter than white!

In my experience I'd say the Thai definition is generally the polar opposite of the western one. When the Mrs first mentioned about possibly building one she nearly had to pick me up off the floor until she explained it would only be a few small bungalows. I've made a start with the outside toilet for when we have family around and that's as far as it's gone! 🤣

Read the OP's question.

It used to be about £10/gram sold singularly for green, so about £4500 based on that. I haven't smoked it myself for years though and have never asked the current price from any friends that still do.

If you're a refugee or asylum seeker in the UK, you get free entry to all English Heritage sites. Wales have gone one further and you can get free bus travel there and back!

Employee NI is paid at certain percentages on your gross earnings over certain thresholds. Similarly income tax on your salary is paid at certain percentages on your gross earnings over your tax-free allowance. Neither is deducted before calculation of the other. Employee contributions to an employer or personal pension attract tax relief either at source or later through your tax return. Employer contributions to an employer or personal pension are paid gross and excluded from corporation tax. Tax relief on both types of pension contributions apply up to a combined maximum of £40k contributed to your pension each year. When you withdraw your private or employee pension it is treated as taxable income and taxed once it exceeds your tax free allowance.

Look I could harp on about the £35k that the government cost me over Covid that would be worth double that now if it was invested with my other money. Or the £40k that my LA cost me with their lies about 15 years ago which similarly would have now been worth 3-4x that amount. I just don’t because it’s only money and in the words of my very wise father, you won’t be the first and you certainly won’t be the last. Life is too short to be bitter, so as said, get over it!

Get over it!

Not necessarily, the term banker is commonly used for both investment bankers and those that just work in as bank. In the case of the former you might be correct but in the case of the latter definitely not unless well up the management chain.

Missed that bit and very strange how anyone can pay NI without an NI Number for which you need to have at least a spousal visa and be in the UK?

From recollection and a quick search to confirm my memory, not entirely true. Contracting out SERPS was initially brought in for members of defined benefit (DB) schemes but later expanded to anyone who was in an appropriate government approved private or employer pension. True that if the 2% reduction in NI was paid into a suitable scheme as required and invested in certain funds, it will have brought benefits. However many lost out either through their money being invested in investment funds that didn't perform well or cashed in at the wrong time such as a stock market crash resulting in a lot of class actions for wrongful information being brought against the financial institutions that persuaded them to opt out.

Not really, total taxable income of about £23k I estimate.

Don't make the mistake of back paying for any more than 35 years in total though as that is the amount for maximum state pension.