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  1. Replies
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    Have you already settled with HMRC ie. paid tax...

    Have you already settled with HMRC ie. paid tax on your loans?
  2. Replies
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    My only phone is a Nokia 6310i. 16 years old and...

    My only phone is a Nokia 6310i. 16 years old and still going strong. Haven't even had to change the battery, which still lasts ages.

    Nokia 6310i - Wikipedia

    "This phone has been (and still is)...
  3. Accepted the bribe of a gong then? Or was it a...

    Accepted the bribe of a gong then? Or was it a cushy number on the ****** steering committee?
  4. One month silences OG until after the GE. I...

    One month silences OG until after the GE.

    I suspect Russian interference.
  5. Replies
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    No mud (or fud) there. Thank you!

    No mud (or fud) there. Thank you!
  6. Replies
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    So, if you do the following settle in full...

    So, if you do the following

    settle in full with HMRC on all your loans
    then get the loans waived (written off)

    there should be no further tax to pay.

    Please can we have no more muddying...
  7. Replies
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    Thanks, always good to get a 2nd opinion.

    Thanks, always good to get a 2nd opinion.
  8. Replies
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    BTW, the Shiller P/E might be a better measure,...

    BTW, the Shiller P/E might be a better measure, and that doesn't look quite so benign.

    Shiller P/E Ratio: Where Are We with Market Valuations?

    "Why Is the Regular P/E Ratio Deceiving?"
  9. Replies
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    Thanks DP, those valuation links are very...

    Thanks DP, those valuation links are very interesting.

    Maybe the historical means of "Market Cap to GDP" and "Tobin Q" no longer apply? The last 20-odd years certainly look very different to the...
  10. Replies
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    I thought there were meant to be safeguards...

    I thought there were meant to be safeguards against Double Taxation?

    I can't believe Parliament intended people to be taxed twice on the same fecking loan.

    If HMRC tried to pull that sh.t on...
  11. Replies
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    If someone has already paid tax on the loans...

    If someone has already paid tax on the loans (settled with HMRC), then writing off the loans doesn't trigger a tax charge*. There's no double taxation.

    * there may be IHT but that's a separate...
  12. Replies
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    That's one too many overalls for my liking. :grin

    That's one too many overalls for my liking. :grin
  13. Replies
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    But there's no point fretting about something...

    But there's no point fretting about something that might just theoretically happen.

    Until someone actually demands repayment, with convincing threats, I don't see the need to do anything.
    ...
  14. Replies
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    39,232

    I don't have any money in the US stock market at...

    I don't have any money in the US stock market at the moment and I'll be sitting on the side lines until the end of the next bear market.

    Of course, this 10-year old bull market could go on for...
  15. Replies
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    Haven't been to a high street, or supermarket, in...

    Haven't been to a high street, or supermarket, in years. Live out in the sticks, so get everything delivered.

    It sounds like my concerns over Amazon may be a bit overblown.
  16. Replies
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    Poll: The CUK poll this time is probably skewed by the...

    The CUK poll this time is probably skewed by the Tories' "reform" of IR35.
  17. Replies
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    My guess is the "opportunity" for them is...

    My guess is the "opportunity" for them is collecting fees for writing off the loans.
  18. Replies
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    Poll: Only in the parallel universe that is CUK.

    Only in the parallel universe that is CUK.
  19. Replies
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    Meanwhile in the real world...

    Meanwhile in the real world...
  20. Replies
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    +1 I'd like to see one of these scam merchants...

    +1

    I'd like to see one of these scam merchants actually try and legally enforce repayment of these so-called loans.

    The terms were an absolute joke. Typically of indefinite duration, interest...
  21. Replies
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    I lost money over the long term having a short...

    I lost money over the long term having a short term (gambling) mentality.

    The worst thing I ever did was becoming my own fund manager. :ohwell
  22. Replies
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    It's averaged around 3% p.a. since 2009. Before...

    It's averaged around 3% p.a. since 2009. Before that it was more like 7.5% p.a.
  23. Replies
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    Lost a lot of money over the years becoming...

    Lost a lot of money over the years becoming convinced that the market surely has to do X now or can't possibly do Y.

    Prediction is for fools, and I know cos I was one.
  24. Replies
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    I pay quite a bit with cash. People generally...

    I pay quite a bit with cash. People generally prefer it, and I don't think they're evading tax. It saves them the hassle of paying in cheques. One person offers payment by bank transfer but she's...
  25. Replies
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    HMRC will be delighted to hear that. In HMRC's...

    HMRC will be delighted to hear that.

    In HMRC's eyes, scheme users are vermin.

    In my dealings with them over the years, I've found them to be nothing short of vindictive. They don't like their...
  26. Replies
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    Aye, you're probably right. I suppose the fact...

    Aye, you're probably right.

    I suppose the fact that they can get Brits to work there at all means it can't be that bad. There are many places and jobs where only Eastern Europeans and other...
  27. Replies
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    The last few times I've bought stuff coming from...

    The last few times I've bought stuff coming from Amazon itself (not their marketplace) I've felt a bit guilty, especially when it's trivial stuff like dog biscuits. I can't get it out of my mind the...
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    Why I've gone off Amazon

    I used to buy from Amazon on a regular basis. It was my go to place for stuff. It was just easy being able to get virtually everything in one place with just a few clicks.

    I never joined Prime...
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    They could argue that, by calling in the loans,...

    They could argue that, by calling in the loans, they are saving people a massive tax bill (LC). :laugh
  30. Farage has always been consistently anti-EU...

    Farage has always been consistently anti-EU whereas, up until a few years ago, Boris claimed he was pro-EU. I say "claimed" because who knows what he really believes in, other than himself. It's no...
  31. +1 Yep, this boosts the chances of a Tory...

    +1

    Yep, this boosts the chances of a Tory overall majority.

    I'm not in favour of Brexit but, if we are going to leave, I'd prefer an orderly(ish) deal like BoJo's to "no deal".

    I don't...
  32. Replies
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    Is that because contractors, who were previously...

    Is that because contractors, who were previously in public sector roles, are now chasing private sector gigs?
  33. Replies
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    Will you be able to continue doing that under the...

    Will you be able to continue doing that under the proposed private sector off payroll legislation?

    If not, then the Government regards you as a tax avoider.
  34. Replies
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    They're in the news. Millions of client funds...

    They're in the news.

    Millions of client funds diverted | News |
  35. Replies
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    I'd bank on it. These days agencies are highly...

    I'd bank on it. These days agencies are highly suspicious of any intermediaries, apart from a MyCo, that they don't know to be 100% kosher. If the intermediary is not on their umbrella list then...
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    I'm guessing scheme operators have done this to...

    I'm guessing scheme operators have done this to hide the offshore element/avoidance from agencies and clients? To the agency or client, it just looks like you're running your own Ltd company (MyCo)...
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    From the other thread, I thought you received...

    From the other thread, I thought you received dividends not loans (or grants :confused:)? If they were genuine dividends, you shouldn't be subject to the LC.

    You're declaring the dividends on...
  38. Replies
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    Imagine if the Police/CPS acted like HMRC. If...

    Imagine if the Police/CPS acted like HMRC.

    If they became aware of a growing behaviour, that ought to be prohibited, and did nowt about it for years, while it spiraled out of control, they'd be...
  39. It appears some Brexiters would prefer remain to...

    It appears some Brexiters would prefer remain to Boris' deal, and some remainers would prefer "no deal" to Boris' deal.

    It's all a bit :confused:
  40. Replies
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    I bet most people who signed up for these schemes...

    I bet most people who signed up for these schemes heard about them through word of mouth recommendation from other contractors.

    It's easy to gain a false sense of security if lots of other people...
  41. Replies
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    The human body has a very high resistance. No...

    The human body has a very high resistance. No matter what the amperage capability of a power supply, 12v will never cause a dangerous electric shock. Try touching both terminals of a car battery...
  42. Replies
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    Is he likely to get landed with penalties for...

    Is he likely to get landed with penalties for late reporting of loans? Or are HMRC applying discretion in these situations?
  43. Replies
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    £2,396.27 You could buy a spare car for that...

    £2,396.27

    You could buy a spare car for that price.
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    +1 Don't want Boris to get an overall...

    +1

    Don't want Boris to get an overall majority, and that is not because of Brexit. Fact is, he doesn't fecking deserve it.

    He was an opportunistic **** jumping on the Brexit bandwagon, when he...
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    Poll: Who you going to vote for?

    I've set it so you can change your vote just in case you change your mind between now and polling day.

    Scratch that. For some reason, I thought that was possible.
  46. Me too. That must be strong sh.t he's smoking.

    Me too. That must be strong sh.t he's smoking.
  47. I'd just take a laptop down to where the cabin is...

    I'd just take a laptop down to where the cabin is going and see if you can connect to the WiFi. If you can, there's a very good chance you'll still be able to get a signal from inside the cabin.
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    To end up with just 70ish% net retention, when...

    To end up with just 70ish% net retention, when only paying a few% tax on a small salary, I'm guessing the promoter must have been creaming off a shed load of fees?
  49. Replies
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    How could that be if you were only paying (single...

    How could that be if you were only paying (single digit?) tax on a small salary?
  50. You've probably got a far better chance of WiFi...

    You've probably got a far better chance of WiFi reaching that far than anything through the mains cable.

    Can you position the house WiFi router, next to a window, so it's in line of sight of the...
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