Quick Question Thread

[Sergeant Wilson]

9 minutes ago, Melanius Mullarkey said:

There’s only so much room. He bought 8 slabs.

Well he could drink them then, 150ml is about a mouthful.

[Shandon Par]

21 minutes ago, Sergeant Wilson said:

Stick them up your arse.

That was on my list - toys for the dog, sex toys or take to the football go chuck at folk. 

I never bought them, they were tribute.

[throbber]

That was on my list - toys for the dog, sex toys or take to the football go chuck at folk. 
I never bought them, they were tribute.

Using them as targets for an air rifle would be the best use IMO.

[Shandon Par]

42 minutes ago, Bairnardo said:

6 hours ago, Deontay WildPar said:

Does anyone like Coke Zero? I have about 4 slabs of the stuff (little cans) I can't give away. 

Leave some out for me. Il left them when I leave tomorrow if I remember.

You could use one as a chair

 

 

 

[Bairnardo]

You could use one as a chair
 
 
 

They look normal sized in my hand [emoji6]

[philpy]

I love Coke zero. Gees it.

[GordonD]

12 hours ago, throbber said:

 

Using them as targets for an air rifle would be the best use IMO.

 

c***s on a train thread for this pish

[Shandon Par]

13 hours ago, philpy said:

I love Coke zero. Gees it.

I can leave it on a street corner of your chosing somewhere in Edinburgh. 

[pittsburgh phil]

Dress up in shades, homburg and trench coat and drop them near the Russian consulate

*Novichok optional.

Don't do it Philpy it's a trap.

[Hedgecutter]

Q: When I try looking up National Insurance contributions and how much you need for a pension in future life, the answer always comes back as "X years worth of contributions". 

This isn't what I want, so how much do you need to contribute, as in you can't earn just £10 a year and expect the NI from that (if any) to be counted as part of your 35 years?  I'm guessing there's no exact figure, but there's surely a line that needs to get drawn somewhere? 

Edited December 21, 2018 by Hedgecutter

[alta-pete]

Q: When I try looking up National Insurance contributions and how much you need for a pension in future life, the answer always comes back as "X years worth of contributions". 
This isn't what I want, so how much do you need to contribute, as in you can't earn just £10 a year and expect the NI from that (if any) to be counted as part of your 35 years?  I'm guessing there's no exact figure, but there's surely a line that needs to get drawn somewhere? 

My understanding is that it’s a bit like income tax - the more you earn the more you pay. Once you trip the threshold to pay NI you’re then contributing to your retirement.

I’m self employed through my own limited company and pay myself a modest salary so I’m on HMRC radar for PAYE and NI but take the bulk of my money as dividend that, up until last year (thanks Philip Hammond) was essentially tax free.

I’m contributing but at much less a rate than if I was a conventional employee taking all my income that is subject to PAYE and NI on the full amount.

Theres no cap to what you can contribute but you need to contribute for x years to get the full benefit.

I think....

[Hedgecutter]

2 minutes ago, alta-pete said:

My understanding is that it’s a bit like income tax - the more you earn the more you pay. Once you trip the threshold to pay NI you’re then contributing to your retirement.

I’m self employed through my own limited company and pay myself a modest salary so I’m on HMRC radar for PAYE and NI but take the bulk of my money as dividend that, up until last year (thanks Philip Hammond) was essentially tax free.

I’m contributing but at much less a rate than if I was a conventional employee taking all my income that is subject to PAYE and NI on the full amount.

Theres no cap to what you can contribute but you need to contribute for x years to get the full benefit.

I think....

I'll be in a very similar situation to yourself too, hence why I'm asking, thanks.  

So say in an extreme example that your small basic salary is below the taxable threshold, as is a small dividend.  It's feasible in this situation that you could be paying nothing towards NI, so despite you working, you wouldn't be running down your 35 year requirement?  If so, would you need to pay yourself enough to break the threshold, even if it's by a tenner and your contributions are tiny compared to others in employment?  

[alta-pete]

In short, yes. I pay myself £15k pa salary so I’m a wee bit over the threshold ( £11k pa I think) and not self evidently taking the piss. But you’re right I think, £1pa a year over and you’re in.

[Hedgecutter]

29 minutes ago, alta-pete said:

In short, yes. I pay myself £15k pa salary so I’m a wee bit over the threshold ( £11k pa I think) and not self evidently taking the piss. But you’re right I think, £1pa a year over and you’re in.

Nice.  Avoiding less tax than you could avoid, a dilemma for whoever's on the Pearly Gates that day.  

 

Eta:  On a different topic, is this a cool as f*** or terrible flower arrangement for the 30th anniversary of a plane getting blown out of the sky? I'm undecided.

 

Really good webpage from the BBC fwiw

Edited December 21, 2018 by Hedgecutter

[jimmy boo]

In short, yes. I pay myself £15k pa salary so I’m a wee bit over the threshold ( £11k pa I think) and not self evidently taking the piss. But you’re right I think, £1pa a year over and you’re in.

Reported for fraud!!

[Sergeant Wilson]

3 hours ago, alta-pete said:

In short, yes. I pay myself £15k pa salary so I’m a wee bit over the threshold ( £11k pa I think) and not self evidently taking the piss. But you’re right I think, £1pa a year over and you’re in.

 https://www.gov.uk/government/publications/your-new-state-pension-explained/your-state-pension-explained

 

Edited December 21, 2018 by Sergeant Wilson

[Daydream]

What is the best, most complete Sunday paper when it comes to SPFL coverage? 

[101]

13 minutes ago, Daydream said:

What is the best, most complete Sunday paper when it comes to SPFL coverage? 

Pretty much no Sunday will cover the Championship, League one or League two in any kind of detail you would be much better going on the clubs websites for their match reports, sadly.

Edited December 28, 2018 by Adam101

[welshbairn]

9 minutes ago, Adam101 said:

Pretty much no Sunday will cover the Championship, League one or League two in any kind of detail you would be much better going on the clubs websites for their match reports, sadly.

Some local papers do a decent job, the Press and Journal and Inverness Courier up here, but not till Monday and Tuesday respectively.

[101]

5 hours ago, welshbairn said:

Some local papers do a decent job, the Press and Journal and Inverness Courier up here, but not till Monday and Tuesday respectively.

Which is such a shame if the small papers can do it then surely the big papers can, most papers do a Scottish edition of the paper and yet it will be rammed with content from England which I (and I assume many others) have absolutely no interest in and would much prefer to have an in-depth review of the title races in league one and two which look fascinating, however are being ignored by all the media including print.