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  1. Replies
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    My accountant agrees that it makes sense to...

    My accountant agrees that it makes sense to purchase it through the Ltd, and is happy enough with it being bought for cash :yay:
  2. Replies
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    I would be planning in stops/breaks on longer...

    I would be planning in stops/breaks on longer drives on safety grounds.
    Are you the type of person who tests their eyesight by driving to Barnard Castle?! :tongue
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    I'm running an OpenVPN server in Azure - having...

    I'm running an OpenVPN server in Azure - having previously tried out the VPN Gateway option (too expensive!).

    It running fine on Ubuntu 18.04, I used the Digital Ocean setup guide.

    I do...
  4. Replies
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    ^ This. I'll be charing overnight with a Wall...

    ^ This. I'll be charing overnight with a Wall Connector, and also using the Supercharger network if necessary when on longer trips.
  5. Replies
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    The battery life/range thing isn't a concern for...

    The battery life/range thing isn't a concern for me right now. The Tesla warranty is decent enough (8 years or 120,000 miles, minimum 70% capacity retention). I can't imagine a scenario for myself...
  6. Replies
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    Financing a Tesla

    Aaaand we're back :tongue

    Need a new car and one option is a Tesla, which I'm looking at getting through the Ltd. (The other options are non-EV, which I'd finance personally).
    Have pinged the...
  7. Replies
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    FreeAgent: Deal with a loan

    How to deal with money that's been lent to your business in FreeAgent.

    Including BBLS ;)
  8. Replies
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    32,132

    Impressed with Starling Bank - 3hr32min from...

    Impressed with Starling Bank - 3hr32min from application to cash in the company's account :smokin
  9. Replies
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    2,622

    Looking at Valorant, it recommends this: ...

    Looking at Valorant, it recommends this:


    Graphics: Nvidia GTX 1050 Ti (alt: GT 730)
    RAM: 4GB+
    CPU: Intel core i5 4460 (alt: i3 4150)
  10. Replies
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    Not sure, it seems mainly related to the Twitch...

    Not sure, it seems mainly related to the Twitch thing as the PC talk only started just after using it.
    It's his cash, and I try not to get too involved in what they spend their money on even if it...
  11. Replies
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    I think it's something to do with Twitch as he's...

    I think it's something to do with Twitch as he's just started using that - I think there's more functionality on the PC than the PS4??
  12. Replies
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    Pointless. The snowflake has less of a clue than...

    Pointless. The snowflake has less of a clue than me and I wouldn't trust his advice :D
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    Gaming PC advice

    My kid wants to get a gaming PC and unfortunately, he has some money saved up so keeps pestering me about it but I know nada about these.

    At the moment he mainly plays Fortnite on the PS4 and...
  14. Replies
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    Thanks for that. I agree with the working...

    Thanks for that. I agree with the working practices bit, having done that with QDOS before.
  15. Replies
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    QDOS alternative for contract reviews

    Can anyone provide a recommendation for a contract review service please? (I've already searched the forum for options, now I'd like some feedback ;)

    Currently with QDOS, but am less than...
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    I'd recommend Starling. I was first with Metro...

    I'd recommend Starling.

    I was first with Metro - no real problems although had to call them a couple of times to sort stuff out. At the time you had to keep min £5k balance in the current account...
  17. Replies
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    Sticky: Thanks - they've a birthday soon, so that's a...

    Thanks - they've a birthday soon, so that's a present sorted :smile
  18. Replies
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    Sticky: Looks good, thanks :)

    Looks good, thanks :)
  19. Replies
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    Sticky: Free Python courses ?

    My kid (in year 7) wants to learn the basics of Python, as it's something they will be covering soon.
    I'm not paying for CodeAcademy, as they'll be bored and onto something else next week (a bit...
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    In these times it's comforting to have CUK still...

    In these times it's comforting to have CUK still maintaining its low standard of facts :laugh
  21. Replies
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    Those two are the wrong way round, right ?!

    Those two are the wrong way round, right ?!
  22. Replies
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    It's whatever they fookin get paid :D

    It's whatever they fookin get paid :D
  23. Replies
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    Not sure I follow this - the cash is the Ltd's...

    Not sure I follow this - the cash is the Ltd's cash. not mine ??
  24. Replies
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    1,198

    Director renumeration ?! Will take accountants...

    Director renumeration ?! Will take accountants guidance once the next tax year allowances are clearer.
  25. Replies
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    Thanks for that - will keep an eye on the budget...

    Thanks for that - will keep an eye on the budget and check in with my accountant. Am using FreeAgent so payroll isn't an issue :)
  26. Replies
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    Have added a line to clarify - My spouse is a...

    Have added a line to clarify - My spouse is a director of 2 Ltds, getting a salary from her one, nothing from my/our one at the moment.

    So, I'm looking to pay a salary from my one and make pension...
  27. Replies
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    Spouse tax planning - pension contribution

    Just doing a little tax planning ahead of April for my spouse, and looking at optimising the following situation mainly for pension contributions ...

    (Yes, I will run this past my accountant as...
  28. Replies
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    Yep, this. Their current position is: Based...

    Yep, this. Their current position is:

    Based on how long it took to launch their SIPP, I reckon this could take a while :laugh
  29. Replies
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    Vanguard's new SIPP does not currently allow for...

    Vanguard's new SIPP does not currently allow for regular employer contributions (i.e. monthly DD/SO), only personal.
    The portal does allow one-off employer contributions, so just a bit of a manual...
  30. Sticky: Well, I was going end of Feb, but due to a small...

    Well, I was going end of Feb, but due to a small delay to a deliverable it looks like I'll be extending till end March.
    Thanks to HMRC for the recent change to the off-payroll working rules,...
  31. Replies
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    Starling Bank's new business partner is ...

    IPSE :wink



    I may sign back up with IPSE :D
  32. Replies
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    :popcorn: Fingers crossed :smile

    :popcorn:

    Fingers crossed :smile
  33. Replies
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    Be interesting to see if it works out. It works...

    Be interesting to see if it works out. It works okay for personal accounts (i.e. secondary funding from a credit card), but the business PayPal t&cs do not mention funding from a CC:

    FAQs:

    ...
  34. Replies
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    Good old Curve, still messing up. Last week I got...

    Good old Curve, still messing up. Last week I got a double charge when using it to pay HMRC. Still waiting for it to be refunded :rolleyes:

    I think I'm done with using Curve now. I did the sums...
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    Anyone heard the IR35 LBC advert ?

    Got in the car this evening, and the radio is tuned into LBC - not normal! (But, I do miss Eddie - PM isn't the same). Adverts are on, as appears standard with LBC.

    And up pops an advert for IR35,...
  36. Replies
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    Since giving up on II, I've had a rethink on...

    Since giving up on II, I've had a rethink on where next.

    Am thinking of opening the Vanguard SIPP when it's available (hopefully early 2020) and transfer existing pot to them. This will give me...
  37. Replies
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    Thanks for that, my LTD typically pays in a...

    Thanks for that, my LTD typically pays in a regular monthly amount so hopefully, it'll be just 1 form to send back.

    And, noticed that iWeb, Halifax sharedealing are part of the same group.
  38. Replies
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    So ... II. The transfer process was getting...

    So ... II. The transfer process was getting painful so I've cancelled it and am ditching them :frown

    Back to looking at other providers now.
    The new Vanguard SIPP looks a good choice, but I may...
  39. Sticky: The project I'm on is due to wrap-up end Feb 2020...

    The project I'm on is due to wrap-up end Feb 2020 (in line with the contract end date), and final payment made mid-March. All good.

    Except, it's hit a few delays and is now being extended out till...
  40. Replies
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    Thanks for this. Pretty much we are doing none of...

    Thanks for this. Pretty much we are doing none of this! We're basically subcontractors, and getting work either from existing relationships (with suppliers), or doing some email outreach to other...
  41. Replies
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    One other thing to consider is trading costs. II...

    One other thing to consider is trading costs.
    II give you a free trade per month included with the £19.99 SIPP (additional trades are £7.50 i believe). This works for me as I make a monthly...
  42. Replies
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    Direct vs Indirect

    Interesting thread, as a couple of us are looking at promoting a Subject Matter Expert consultancy, but growing the pipeline is the main concern with none of us being competent salespeople.

    Would...
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    Can't remember why I didn't consider IWeb, but...

    Can't remember why I didn't consider IWeb, but for me, it would be the same as II, based on making 12 trades a year...

    II: £19.99 month service fee, with 1 free trade per month = £240
    IWeb: £180...
  44. Replies
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    I've transferred two pension pots into SIPPs...

    I've transferred two pension pots into SIPPs recently.

    1. Small pot went to YouInvest (AJ Bell), as their annual fee was competitive (0.25% capped), and also a cheap regular investment fee (£1.50)...
  45. A 'Free' share dealing service with the Fintech feel?

    Anyone else using Freetrade ? The 'Monzo-type' experience has arrived for share dealing.
    Have just started using it and so far I like it (but then I also like Monzo, Starling, etc)

    - Fee-free...
  46. Replies
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    Sign up for a mettle business bank account (free)...

    Sign up for a mettle business bank account (free) - the app includes the functionality to create invoices :wink
  47. Replies
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    So, ~7 months since I originally posted this...

    So, ~7 months since I originally posted this thread, and it's been a bit of a learning journey ...

    TL;DR: BTL looked a decent investment option, certainly using leverage to boost returns. But...
  48. Download the Crunch personal tax estimator...

    Download the Crunch personal tax estimator 2018-19 and plug in your numbers.

    Had a quick play, and when I stick in:
    PAYE income: 11850
    Pensions PAID: 9480
    Dividends up to the HRT level: £46,350
  49. Replies
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    Am currently using Stripe for taking payments on...

    Am currently using Stripe for taking payments on a website. Got some news from them in the last few months about changes due to SCA coming into effect. Didn't take much effort to "upgrade" - just...
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    Based on the rewards return with my current...

    Based on the rewards return with my current credit card (admittedly not the best-paying rewards CC) - I'd probably be up ~£160 after the cost of Metal (-£150). £160 is still okay, but just weighing...
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