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Just to be 100% clear you can't stick that £13k in a pension and THEN reclaim the tax, because you haven't paid any tax on it. So the £13k will stay at £13k and not be grossed up by the marginal rate as in the above illustration. That said still the most tax effecient way of saving your dosh if...

Actually it is tax avoidance, but tax avoidance (I prefer the term effeciency) is perfectly legal. It's tax evasion that you get an invite to spend some time at her majesty's for. Anal Moi ?

It's worth remembering that it was decades before it was realised how dangerous the blooming stuff was. Makes you wonder what we're happily using now that might turn out that way !! On the other hand perhaps it's best not to...... :roll:

I make the 2nd one 17.6mm but then I do need to get out a lot more ! :D

That piques my interest no end Dave, but I shall refrain from being nosey. However you must admit that what you're talking about is going to be a pretty rare occurence. That said I guess it just goes to show that in our increasingly litigious society you just never know when you're going to...

Music to my ears :D

My tuppence worth a) Woodulike is spot on, the devil is in the detail, pay particular attention to the exclusions and the excess's so you know exactly what you're getting. b) Don't fall for specious special offers like "includes £1m Professional Indemnity (PI) cover", these often mean...

ahhhhhh ta

seeking enlightenement ..... "FAP" ?

Surely emergency lights are a bit pointless in a domestic setting from a fire safety angle ? In your standard dwelling any fire serious/developed enough to knock out the lighting circuits is almost certainly going to have created so much smoke/heat that lighting an escape route out of your...

Just so you you know,. your e-mail does show. Hope you get what you want

I wondered about that JW, but a few posts from those in the know on here seemed to be saying that Freezers themselves were prone to tripping RCDs... to be honest it was partly on that point I was seeking clarification... ably provided above.

Thanks John much appreciated as always. I like the idea of a dedicated IT circuit. I might have a think about the practicalities of that. Part of the work does involve getting an outside socket fitted which will be from it's own RCBO, so that should cut down on trips a bit by what you say...

Having a new CU fitted soon and after doing a bit of reading on here, it seems that a Freezer on a RCD/RCBO (currently have old 'fusewire' job). protected circuit is OK, but not ideal due to nuisance tripping, which would be a major pain as I often work from home using IT kit which I could well...

Surprised there wasn't a 'fail-safe' and/or thermal cut-out to stop that happening ! Most d/w I've owned won't work if the water isn't at a certain level, although I suppose that could fail too..... oh well, you can't worry about everything. :!:

I totally agree about only using 1 wash prog + rinse but have to say that we use the delay function on ours all the time, (for our lifestyle the one on the washing machine is almost an essential). For a dishwasher I wouldn't say it's worth buying a particular make/model for, but can be useful...

Funniest one I had was someone trying to sell me a £15 EW policy for a £23 iron ! To add to John's point, when EW insurance was reffered by the OFT to the European Competition Commission, one of the biggest objectors was the Dixons Stores Group, which said referring the market to the...

To answer your question you can get cover for items up until they are 8 years old from Warranty Direct http://www.warrantydirect.co.uk/h_default1.html? it'll cost about £4 per item per month and has an excess of £25 Although personally like John I wouldn't, if you feel the money is...

It might 'work', but you'll suffer a SERIOUS loss of quality if you use bell wire, you owe it to your ears not to ! Especially if you've shelled out hard earned on a nice surround sound. 42 strand wire really is the minimum for any halfway decent system, 79 for preference. Also make 100% sure...