Nevis and the CMD, timing and accommodation...

Hey all, my wife and I are visiting the UK July 18th to 31st, looking to do a bit of a road trip and hike the three peaks while we're here, including Crib Goch and the CMD aretes

Regarding Nevis, technically not concerned about the route itself but accommodation seems to be somewhat in demand. The plan is a little tight on time as we have other obligations with family and we might have to arrive the night before climb day, do the hike the next day, and leave the following morning

Given the changeable weather and no guarantees would we do better booking a couple of nights and just crossing fingers for reasonable weather, falling back to the tourist track if CMD isn't feasible due to weather, or is booking somewhere to stay a few days in advance a reasonable strategy for weeknights in July?

Happy to hear some experiences or advice you guys might have, thanks :)

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u/markboats — 4 days ago

Substantial family cash gift from abroad, tax implications, and what to do with it?

Hi all... passive reader of this sub, and thanks to everyone who contributes their knowledge

And yes, we're also seeking out professional advice, but it never hurts to get a broader opinion

I am a UK citizen, tax resident in Switzerland, newly resident but planning to remain long term, currently living in canton Uri. My father is UK citizen and tax resident

My dad has been fortunate in life (his words) and has been open that there's a fair sized estate to pass on, recently with the changes to UK inheritance taxes he's looking to remove some money from the estate before he passes and have it go to my sibling and I. He brought it up this weekend while visiting, and now I'm looking into the practicalities here. It would be in the order of around 1m CHF for each of us

We're aware of the implications and PET rules in the UK, but I wanted to check that at this end I'm correct in what I've seen. As I understand it there's no federal gift tax, but cantons can levy their own. It seems pretty universal that cantonal taxes are nil-rate for gifts from parent to child though. I couldn't find any specific information about Uri so I'll have to contact them directly

Has anyone had similar circumstances or has knowledge? Any pitfalls to be aware of?

The second part of the question comes with what to do with the money. Right now my (Swiss) wife and I live a modest but comfortable life, we are financially independent other than joint expenses but we discuss everything. I have a decent sum from a property sale abroad invested through IBKR that's just accumulating. The full family estate will easily provide for both my sibling and I, plus extended family, into retirement.

Right now my thoughts would be to simply add the additional cash to the investments and use the annual returns to support our lives through reduced hours and more free time to do what we enjoy doing. I'm guessing the advice of VT and chill applies regardless of the amount in question...

All advice gratefully received...

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u/markboats — 1 month ago

It finally happened!!! I ignored all the warnings on here about Revolut and my account got restricted!!! Apparently my identity was in question!?!?!

I have Ultra paid subscription and this morning my main account was out on hold, leaving me with only 100CHF to buy groceries today!!! Anyone who knows Switzerland knows you can't buy anything in Globus for less than that!!! I don't want to have to visit Migros!!!

All I was trying to do was send thousands to an account in my name that I've not sent money to before!!! Admittedly I have been moving six figures to an investment account recently but surely that amount doesn't warrant additional questions?!?!?!

I don't know what to do!!! I went through the selfie verification video process once and then I had to do it again because I didn't like the video and chose to do another!!!

Did I mention I'm a paid user and therefore I'm exempt from KYC/AML checks!!!

I intend to write to the FCA, SEC, and other European financial authorities, as well as three of my seven lawyers to prepare lawsuits against Revolut for this treatment!!!

How am I supposed to survive with my account restricted for six minutes like this?

u/markboats — 2 months ago

First, let me say I've been reading about Graphene with interest for a couple of months, I'm all for the concept, I did my research and I knew there were sacrifices to rid myself of the big G. I switched to Linux months ago, even dual boot installed thinking it might be a tough change but haven't opened Windows once, I'm already a very happy paid Proton user and I've been running custom android firmwares on and off from way back in the days of CyanogenMod. This is not a post to shit on the exceptional thing that GrapheneOS is...

That said, I took the plunge today and my initial impressions are pretty negative. Firstly, on Linux the web installer flat out refused to download the img file, CLI install just ended up with USB issues causing the bash script to hang between flashing the bootloader and rom.

Once installed I fired up Graphene and got to setting things up, set up a separate profile for apps that need google services, the Aurora store is a little crashy and clunky but OK. My major issue is that switching between profiles is essentially unusable...

Call my profiles "Name" and "Google" - Whatsapp is installed in Google, but when I'm using Name and have to switch I have to drag down the notification drawer, tap the Users icon, tap the other profile, wait a couple of seconds to switch, input the fingerprint sensor, then input my six digit pin? Surely I'm doing this wrong? I could disable the screen lock pattern/pin but then my banking apps are going to stop working due to no security

On top of that, whenever I'm in one profile I get notifications from "GrapheneOS" telling me I have notifications in the other profile, so I go through the whole process of switching to find there's no notifications at all, from the app that was supposedly generating it or at all, literally no notifications for the whole profile

Is this how GrapheneOS operates? Have I missed something completely? Cause this is unworkable as it stands... I could just about live with Graphene with one user profile including as little Google as possible as a compromise, even though it kind of spoils the whole point of installing Graphene in the first place...

I'm also having issues that even with a fresh install I'm getting lag and stutter, plus random heat issues. I don't expect a 3rd party project to be as polished as the original software, but everything combined is making me question sticking it out

So my question is this, has anyone gone through this and come out the other side happy? Would you stick it out with two profiles or just degoogle as much as possible whilst retaining some usability? Or have I fucked this up completely and there's a solution I haven't been able to find?

Thanks in advance...

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u/markboats — 2 months ago