Thanks, I hoped you may say that

What about the other matter and a general rule. Do you need to add the amount o fthe salary sacrifice to your net pay amount for a "take home" pay figure?

Times like yesterday morning I wish I carried my DSLR around with me. The Moon was STUNNING in the morning sky and where I walk from the train station to work, it was perfectly framed between two trees. Lovely

Fingers Crossed for you RooRoo good luck

Hope everyone is well I have a question and I thought I would post here for a general sort of answer, as I can not find a reference in another post, and may help someone else I am in an IVA currently, and my work is implementing a couple of "initiatives" as part of a total rewards package for staff ...

I use Avast now, one of the best free ones around I did have AVG professional on a years free licence. It was one of those "sign up for a partner offer and we will cover the licence fee" things. Was a bit dubious but gave it a go. Found one of the offers was a weeks free access and 25 free downloads...

Must admit, Godfather 1 and 2 are superb but number 3......mehh don't like it, but thats just me Overall, I gotta say my fav movie is Shawshank Redemption. I NEVER tire of watching that I am with you on Goodbye Mr Chips, along with great Expectations and Hobsons Choice. Some of the OLD movies are th...

Pipkins was my fav, and the Clangers. I wrote to the BBC when I was 10 or 11 and asked if they were putting them back on. I got a nice reply from the head of Childrens TV saying they had been talking to the Clangers' producer and indeed they were looking at putting them back on [:)] (HONEST GUVNOR, ...

Gadgets, computers, cameras. I am a geek. Thats all I want [:)]

I think the issue the companies will have is the call charges. You could get one, pay £20 for a months contract then ring the USA 24/7 for that month and not pay the bill

A little delayed in the response Two companies I would NEVER do business with are Orange and Virgin. Never ever ever never O2 have been 1st class, they are a UK based call centre (In Scotland I think). A nice few little extra's with O2. They have their own pay as you go top up Visa card for O2 custo...

As I said to my son yesterday, I'm not a drug addict Sorry Ladyh, but thats exactly what smoking is But I have to say bravo to the majority of your post, you sound a thoughtful and very considerate person. If only all smokers were like this then a lot of the arguments would not take place I am sure

If you spent a whole day in a room full of smokers with the windows shut it may be unpleasnt but you will not die. Try it with car exhaust fumes and you will not last 15 minutes!!! Not straight away Michael, sorry but, tell this to Roy Castle's family Car dish out other polutants (monoxide etc) in ...

I am an ex smoker as well. And yes, we ARE the worst [:)] I personally do not think a smoking allowance should be included in an IVA. Would they allow an alcohol allowance for an alcoholic, a gambling allowance for a gambler? I don't think that would happen so why should smokers get it?? It is exact...

Thanks. That was kind of what I was thinking. Just seems if they are taking a dividend payment on it AND chasing the whole amount just seemed like they are getting paid twice for the same thing Maybe a better idea would be for banks to exclude joint accounts in a sole IVA if they are doing this. Per...

Question for you all, hope it makes sense My IVA was approved a few week ago now. I recently logged onto my old bank accounts and they have all gone, but the joint account Now I know both myself and my wife are joint and severally liable for this debt. But my question is this As this account was inc...