You can easily replicate the risk and return characteristics of a cash ISA within a stocks and shares ISA: short dated gilts, money market funds made up of said gilts plus other short dated debt... (View Post)

NI rates important here. It's just another income tax after all. As a basic principle an employee should keep at least half of the overall payroll cost to the employer. (View Post)

Ah, the comments. I've found my people. The thing about falling asleep watching the DVD and having 4 hours of this washing over you, so true. (View Post)

I used to let the episode selection menu on the DVD run for ages because I liked that song so much. (View Post)

Pretty much this. The problem in UK politics is not that Starmer is a terrible person, he's just a slightly mediocre politician, the problem in UK politics is that we are in very stormy seas and… (View Post)