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  1. S

    Are there any train drivers earning £100k or more?

    But payments made into the pensions by the employee are not taxed. Any smart driver or anyone in general should put in as much into pensions when faced with the +40% tax band and this reduce their tax payments, plus have opportunities to retire earlier.
  2. S

    Online petition calls for Leap Year Day to move to June: could it work?

    Great laugh looking through the comments….! People believing that they are going to get an extra warm/ sunny day every four years. O dear!
  3. S

    Would you want to travel on staffless public transport?

    I would rather have major/key stations properly manned who can provide much better assistance than staff on a train. The reality is that a single member of staff won't be able to provide much help in an incident when dealing with hundreds of people on a train and are very unlikely to challenge...
  4. S

    Getting a new mortgage

    How much is stamp duty for the move? How much will solicitors cost? Removal trucks? This is the killer for most moves, so if you wish to move you may as well get the best place possible. My parents in law, found that it was cheaper to extend their house than the cost of moving! I didn't...
  5. S

    Chicago area

    Sorry, still don't you have realised how bad the weather is there at winter! 99% of your time will be spent indoors along with everyone else who lives there! On the better of the days, any train spotting will want to be from inside a train! https://www.timeanddate.com/weather/usa/chicago/ext...
  6. S

    Chicago area

    I was going to say this! Having lived in Chicago for a few years, you don't really want to be visiting it in February. Bring all the snow gear you have and maybe book a cheeky weekend trip to somewhere warmer or go skiing if you enjoy it, there are a few small ski resorts nearby!
  7. S

    People who've never been to London

    So if they have never been to London, they have never been abroad? I love travelling and just cannot understand people who have hardly done anything. So much out there!
  8. S

    2023 Israel - Hamas war

    Another reason for people to join Hamas is that there really isn't much to lose. Stuck within a small parcel of land with basic living conditions and opportunities. Very little chance of them enjoy any sort of life we are lucky to have in the UK and travel, forget it there. Only chance to...
  9. S

    2023 Israel - Hamas war

    Such a complex situation however at what point will western countries tell Israel that their current actions are unacceptable and need to rein in with more targeted force? The fact that they have now killed twice the number that Hamas killed and it appears Isreal hasn't even started any full...
  10. S

    Expenditure on Pensions

    Childcare costs should be considered a small part of having a child and for my partner who is a teacher just the cost of childcare is around 1/3 of her salary after paying tax for just a single child aged under 2. Thankfully the recent increase in government hours will help when we have a second...
  11. S

    Vaping on Trains and vaping in general

    As someone who does a litter pick regularly, I will be glad to see this! Only just done an hour's pick and found at least 10 of these things chucked in our local wildlife park. Still yet to see a ban for the huge laughing gas canisters which are very heavy- usually get a few of these each...
  12. S

    Pay into Brass or restart payments into old pension?

    That is terrible advice in financial terms! Providing you can afford your mortgage (in view of increase rates over the next few years), it is likely to be your cheapest form of borrowing and best to pay off the minimal amount following a long term plan to ensure it is paid off by the time you...
  13. S

    Russia invades Ukraine

    Quite a few interesting points of discussion here, particular on is there any risk of Putin getting removed at the next election in 7 months or will it be rigged? https://www.theguardian.com/business/2023/aug/14/rouble-falls-to-16-month-low-dollar-russian-exports-collapse-war-ukraine-russia-economy
  14. S

    Why are certain people completely apathetic or opposed to the idea of tackling climate change?

    At least start with sharing information on the environmental impact of having further children so people are aware- while at it, the financial cost too! Walking rather than drive down the road has little impact compared to deciding to have two, rather than 3+ kids.
  15. S

    Why are certain people completely apathetic or opposed to the idea of tackling climate change?

    I have seen it mention on a few forums here on this issue, but population control will have a far bigger impact than the majority of the solutions proposed above. Limiting all couples around the world to having two children would save a huge amount of emissions, resources and costs yet none of...
  16. S

    ULEZ, Uxbridge by-election and the London 2024 Mayoral election

    Hundreds of thousands of people need to change their vehicles in London. Guess what, demand and supply means the value of their old non compliant vehicle has plummeted while compliant vehicle costs are going through the roof...
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    ULEZ, Uxbridge by-election and the London 2024 Mayoral election

    Not sure what planet you are on, but easily looking at £10k for a brand new van to replace what could be just a 7 year old van. Thats around two months the plumber will have to work for free to pay for an unnecessarily cost or have to pass on the costs to their customers which will have the...
  18. S

    ULEZ, Uxbridge by-election and the London 2024 Mayoral election

    What the ULEZ does is provide a very strict blanket ban across a very large area. While the inner/ mid-way borough in London definitely do need this policy in place and have good access to public transport, boroughs particularly on the outskirt of London don't really require a policy such as...
  19. S

    ULEZ, Uxbridge by-election and the London 2024 Mayoral election

    I live in Hillingdon although I don't live in the Uxbridge area but I have seen the huge dissatisfaction for the ULEZ scheme (plus a lot of ULEZ camera removals taking place by the public) and along with quite a lot of people, we are very happy to see Conservatives hold the seat. In Hillingdon...
  20. S

    Rent Rises a Myth ? (For Some)

    Agreed and I believe they now live abroad so absolutely pointless. At least they returned the keys and left the property in a good state unlike many other tenants you see on TV shows. And another point to raise, is that during that year I made no profit according to the tax return* and thus the...

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