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  1. Replies
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    Good. I was with Liberty Bishop and got...

    Good. I was with Liberty Bishop and got transferred over to JSA, I assume they bought them. I was sure something would go wrong on the transfer but it didn't. Mistake free after 2 months or so...
  2. Thread: boomed

    by rootsnall
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    1,062

    UK House Price Index - Office for National...

    UK House Price Index - Office for National Statistics

    Figure 5 lets you track price changes per region from 2005. I suspect Manchester will get a sharper correction than most if/when it happens.
  3. Replies
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    I'm using JSA brolly ( £10 a week ) and paying...

    I'm using JSA brolly ( £10 a week ) and paying into an HL SIPP, hassle free so far.

    Doing a fag packet calculation I think the £447 is with the employers NI being paid before you receive it, so...
  4. Contractors dream :cool3:

    Contractors dream :cool3:
  5. Replies
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    Too embarrassed to ask: what is value investing?...

    Too embarrassed to ask: what is value investing? | MoneyWeek

    I think he's made the switch.
  6. Sticky: I'm currently using JSA, problem free so far, £10...

    I'm currently using JSA, problem free so far, £10 a week. They are a large long established business.
  7. Replies
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    1,626

    Merge them into the active one, or the cheapest...

    Merge them into the active one, or the cheapest one. It's pretty easy ( and quick ). It will probably save you fees now and down the track when it comes to drawdown. One thing to be aware of if...
  8. Ask for an example calculation and that will...

    Ask for an example calculation and that will explain the 13.8% bit, it should be a simple payment into your SIPP from the gross they receive but their system may split it !? The umbrella model...
  9. JSA umbrella let you pay a percentage of your...

    JSA umbrella let you pay a percentage of your gross into a SIPP up to 83% max. I was previously with Liberty Bishop, they also did variable amounts. Both into HL SIPP which I chose as they already...
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    3,716

    I didn't know they still existed. As a naïve...

    I didn't know they still existed. As a naïve graduate I nearly ended up as one but escaped into code hacking. :D
  11. Replies
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    3,716

    I've had repeat work years down the track via...

    I've had repeat work years down the track via documentation I left behind as part of a handover. :happy
  12. Replies
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    1,714

    How are my investments protected?...

    How are my investments protected?

    Would I lose my pension if my investing platform goes bust? | This is Money
  13. Replies
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    602

    WHS. You are paying a lot of money for a phone...

    WHS. You are paying a lot of money for a phone answering service. Finding good tenants is the hardest bit, painful at the time to DIY but the best investment of your own time.
  14. Replies
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    AJ Bell and IWeb are also struggling but not as...

    AJ Bell and IWeb are also struggling but not as badly as HL
  15. Replies
    4,702
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    195,758

    I thought it was just my bargain bucket platform...

    I thought it was just my bargain bucket platform that was knackered but all 3 accounts I have are stuffed. They handled the crash days OK :eyes
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    22
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    504

    Easy peasy

    Easy peasy
  17. Replies
    4,702
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    195,758

    Sell sell sell !!!!! But the AJ Bell site has...

    Sell sell sell !!!!! But the AJ Bell site has crumbled under pressure again. :mad
  18. Replies
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    789

    I'm guessing the logic is you got taxed on the...

    I'm guessing the logic is you got taxed on the Aus pension pot when you paid it in ( 19% comes to mind but it was years ago ), so the opposite of the UK system. So taxing it on the way out at the UK...
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    A few years off for me also. Pretty certain the...

    A few years off for me also. Pretty certain the Oz end is tax fee at 60, it's just if you have to declare it on your SA in the UK. I'll ring HMRC when the time comes.

    Australian Lump Sum -...
  20. Replies
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    789

    I'm a dual citizen. It's 5 years away yet and I'd...

    I'm a dual citizen. It's 5 years away yet and I'd do a thorough check at the time. I'm stuck with rip off BT Super as I can't change without a current Oz address when I last tried. It's not a huge...
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    789

    I've got a pot over there, long term UK citizen...

    I've got a pot over there, long term UK citizen and tax resident but an Oz citizen. I've just done a re-google and pretty sure I can take it as a tax free lump sum at 60 at the Oz end, and that I...
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    I don't know. I think just make sure they know...

    I don't know. I think just make sure they know you are unhappy and then keep the pressure on.
  23. Happy days :smile

    Happy days :smile
  24. A bit petty

    A bit petty
  25. Ok I get your point. The EU could choose to cut...

    Ok I get your point. The EU could choose to cut off the nose to spite the face. Time will tell, doubt it myself.
  26. I'm lost !? The EU, taken as a whole is the...

    I'm lost !?

    The EU, taken as a whole is the UK’s largest trading partner. In 2019, UK exports to the EU were £300 billion (43% of all UK exports). UK imports from the EU were £372 billion (51% of...
  27. WHS. Weigh up the risk of losing the contract by...

    WHS. Weigh up the risk of losing the contract by continued wrangling. You are looking at 5 months IR35 risk before April 2021, I personally wouldn't worry about it but.......
  28. Replies
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    790

    Did you pay a one off closure fee or are you...

    Did you pay a one off closure fee or are you still paying the monthly fee ? You need to get a phone number even if it means going around in circles for a while, persist.
  29. • UK trade balance with EU 1999-2019 | Statista...

    • UK trade balance with EU 1999-2019 | Statista

    I've read what Macron has said, he needs to appear to support the French fishing interests, he'd be stupid not to, but ultimately not be the one...
  30. That fishing boat has already sailed

    That fishing boat has already sailed
  31. Well it makes sense if you think free trade is a...

    Well it makes sense if you think free trade is a good thing. We export a lot of stuff to them, they export a lot of stuff to us, sticking tariffs on in either direction won't be good IMHO, hence it...
  32. A free trade deal between the UK and the EU, it...

    A free trade deal between the UK and the EU, it makes sense for both sides and will eventually happen after all the noise.
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    Aha, I'm with you now. :wink

    Aha, I'm with you now. :wink
  34. Replies
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    Surely they are now paying NI if using an...

    Surely they are now paying NI if using an umbrella :confused:
  35. You can go round in circles but I think it's...

    You can go round in circles but I think it's unlikely 'the fishermen' ( the blokes who actually do the fishing ) will be in a worse position than they are now ( ie. they are only allowed to catch...
  36. House of Lords - Brexit: fisheries - House of...

    House of Lords - Brexit: fisheries - House of Lords European Union Committee

    Some numbers above. It does depend how the UK government handles things in the unlikely event we leave without a deal...
  37. Please explain.

    Please explain.
  38. I refer you to Paddy's comment about bulls**t...

    I refer you to Paddy's comment about bulls**t rhetoric made off the top of your head.
  39. Why the UK'''s fishing industry could be the...

    Why the UK'''s fishing industry could be the issue that scuppers a Brexit deal with the EU | ITV News

    The figures in there give an idea of how the quota system is warped against UK fishermen. I'm...
  40. If we leave with no deal and the EU fishing fleet...

    If we leave with no deal and the EU fishing fleet is kept out of UK waters ( a big IF ) then I don't think the UK fishermen will struggle to sell their fish. The UK fisherman have been shafted over...
  41. No

    No
  42. So are you saying millions of Spaniards and...

    So are you saying millions of Spaniards and French will never eat fish again ?
  43. I'm guessing some people on City investment...

    I'm guessing some people on City investment banking money potentially owe a lot more than that !?
  44. Replies
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    A big palava for the UK if there is no free...

    A big palava for the UK if there is no free trade deal, an equally big palava for the EU. A deal will be done after all the fun and games.
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    At what point does it become misselling and/or...

    At what point does it become misselling and/or fraud. I would have thought it's one or the other.
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    And you know the market is bad when the different...

    And you know the market is bad when the different agencies start undercutting each other and the rate drops with each call.
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    Is that good luck that you get turned down and...

    Is that good luck that you get turned down and don't buy just before a drop or !? I can't see it dropping much myself with such low interest rates.
  48. Replies
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    Did you derive that from a chart ?

    Did you derive that from a chart ?
  49. Think that's more of an Aldi thing and it's been...

    Think that's more of an Aldi thing and it's been tulip when I have bought any of it. Food and booze only from Lidl and Aldi.
  50. Replies
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    195,758

    Oil stocks: share prices in this hated sector are...

    Oil stocks: share prices in this hated sector are back at their Covid-19 lows – time to buy? | MoneyWeek

    What does technical analysis think ?
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