Crag

  • Been really ramping up my climbing over the last couple of months so biking has really taken a back seat, usually just getting out on the road bike once a week to aid with weight management.
    Currently at the climbing wall / bouldering wall 3x a week, a couple of nights I’ll run 4-6 miles and a couple of days do some body weight exercises and…[Read more]

  • Crag replied to the topic Tax efficiency: bonus. in the forum Chat Forum 1 month ago

    NI is dealt with in the same way as income tax
    No, it isn’t. PAYE is cumulative, NI is per payment and changes (potentially) each time you are paid.

    Read my post fully.

  • Crag replied to the topic Tax efficiency: bonus. in the forum Chat Forum 1 month ago

    If it’s all going to be paid in the same tax year then there is no difference in the tax or NI liability be it paid in one lump or spread over 10 months – NI is dealt with in the same way as income tax – the overall position will be same by year end.

    So far as I understand income tax, it is just a % of what I earn and if I end up paying more tax…

    [Read more]

  • Crag replied to the topic Thinking about the Fred Whitton in the forum Bike Forum 2 months ago

    mos

    Subscriber
    I’m thinking of it as well. Although the idea of doing something with 50% more distance & climbing than the Ronde van Calderdale does scare me a bit!

    If you can get round the RvC then the FW is certainly not beyond reach. Personally, I find the RvC equally as tough.

    I’ve done the FW twice now, both times I’ve been blessed w…[Read more]