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  1. Can't you still get a 95 percent mortgage? ...

    Can't you still get a 95 percent mortgage?

    That's how I got from a 5000 stamp duty decrease to a 100,000 price increase.
  2. An extra 90,000 tax when I buy a house - so maybe...

    An extra 90,000 tax when I buy a house - so maybe I'll have to do another contract after all.

    ( Workings - 5000 stamp duty, 95 percent mortgage means prices up 100,000 tax at 50 percent, so now...
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    But you have to read between the lines a bit. ...

    But you have to read between the lines a bit.

    Basically, like I said, shelter help but to letters scam money from the government.

    Mungo's help ultra rich housing association kleptocrats scam...
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    :ind As far as I know Shelter don't do...

    :ind



    As far as I know Shelter don't do anything to help the homeless. I think they are partly run by but-to-letters who campaign for government handouts to increase their profits. Of course...
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    Bizarre thing to say. I suppose if you like...

    Bizarre thing to say. I suppose if you like polishing your own shoes...

    But if you are into that, one of the best ways to do it is to avoid tax. Public sector workers are overpaid compared to...
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    Weird. Almost as if they want us to get further...

    Weird. Almost as if they want us to get further into debt...
  7. Or perhaps the inflation is due to lack of faith...

    Or perhaps the inflation is due to lack of faith in the pound because of the out of control greed of the public sector. So if we cut public sector pay, then we get deflation and the public sector...
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    It's floppy disk or Blu-ray disc. Keep up at the...

    It's floppy disk or Blu-ray disc. Keep up at the back.
  9. Replies
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    Don't blame me, it was Billy Biro who started...

    Don't blame me, it was Billy Biro who started spelling it correctly. If you don't believe him, try being all scientific and type "Blu-ray dis" into Google and see whether you get a c or a k.

    I...
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    Some idiot got confused earlier in the thread and...

    Some idiot got confused earlier in the thread and thought that disk meant the really old floppy kind, as opposed to the not quite so old compact discs. He's probably technically right and you seem to...
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    That's right, the discs I want to read contain...

    That's right, the discs I want to read contain confidential information (for reasons that should be obvious). Therefore, the government don't allow it to be downloaded from the internet.

    Clear...
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    If I say I want to look at pictures of my butt....

    If I say I want to look at pictures of my butt. Then someone accuses me of watching porn. Then logically, I, as the owner of said butt, would be the porn star (or at least in the supporting cast).
    ...
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    FFS I'm not a porn star. I'm fairly sure the...

    FFS I'm not a porn star. I'm fairly sure the reason it is a disc in the first place is so weird nosey pervs like the people on this site can't download it from the internet.
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    Thanks. That's the second most sensible...

    Thanks. That's the second most sensible suggestion you've made, since at least it would enable me to look at the pictures of my butt.

    I'll probably go for the Japanese thing though, because it can...
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    The review says: ByEd Hurtleyon 16 May 2017...

    The review says:


    ByEd Hurtleyon 16 May 2017

    Two big notes up front: UltraHD (4K) playback *ONLY* works on Windows 10, and *ONLY* works if you have a latest-generation Intel (7th generation,...
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    Ok, what specifically do I need to know about the...

    Ok, what specifically do I need to know about the HDMI port?

    What difference does the type of software i want to install make? For the sake of argument, let's just say I want to install software...
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    It's a razer blade Pro 17 inch laptop. Standard...

    It's a razer blade Pro 17 inch laptop. Standard sort of contractor thing, good for games, running hedge funds, film making, music, massively parallel machine learning etc. don't know the model...
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    Apparently not, since I also want to use 4k and...

    Apparently not, since I also want to use 4k and 3d TV and it seems as if the laptop needs to support all kinds of stuff and have lots of gigabytes and what not. There also appears to be more than one...
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    I want to write as well as read the disks if...

    I want to write as well as read the disks if possible, so I suppose an Xbox wouldn't work and anyway it would take up too much space in my hand luggage.

    The laptop has those rounded usb ports and...
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    Why would it sound bad? The laptop came with a...

    Why would it sound bad? The laptop came with a music studio, so I suppose it has decent sound etc. Do you mean the blu ray player can't do good sound?

    There's a hole where you can put in a hdmi...
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    That looks like the thing I need. I didn't...

    That looks like the thing I need. I didn't realise they were so new and only available in Japan that's why I didn't find any when I looked. Thanks.

    As for the rest of you! Moving the question to...
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    External drive for laptop

    My laptop is too new and fashionable to have a disk drive.

    The government wants me to buy software I don't want, to save on VAT. To load the software I don't want I have to buy a disk drive I...
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    I don't get it. I thought that the 7.5%...

    I don't get it.

    I thought that the 7.5% dividend tax didn't apply to ISAs, and lower CT won't help retained funds since you've already paid it at the prevailing rate?

    Of course the dividend...
  24. The States aren't very independent any more. They...

    The States aren't very independent any more. They were crushed by the Union after only eighty years of freedom.

    Pray the Union doesn't send its soldiers to crush you too.
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    Duh. You're not ambitious enough, you're...

    Duh. You're not ambitious enough, you're obviously applying for things that are too easy.
  26. I've done this three or four times. Just take six...

    I've done this three or four times. Just take six months or a year off after a contract. I can recommend it, also took time off to laze around getting a Masters degree.

    My experience: nobody...
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    Exactly. If you are offered £4000 worth of free...

    Exactly. If you are offered £4000 worth of free stuff why wouldn't you take it?

    I'd even do it without the advantage that the nasty public sector simultaneously lose £4000.

    The accountants...
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    According to that link GAAR does not apply to VAT.

    According to that link GAAR does not apply to VAT.
  29. The divi tax instantly makes all shares worse...

    The divi tax instantly makes all shares worse 7.5% less than they were before. This will cause the FTSE to plummet from its current frothy highs.

    Some of the extra tax money will be used to...
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    But the National Trust are evil Nimbys whose...

    But the National Trust are evil Nimbys whose purpose is to prevent people from living in nice houses. Contributing to the genocide of the young and making the demographic problems worse.
    ...
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    I thought that if you do it right, you spend a...

    I thought that if you do it right, you spend a thousand, save a thousand in tax, then sell for three hundred, giving you a sweet 300 quid profit?

    You make money, your customer gets a good deal,...
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    Seriously, wouldn't you be OK selling the £1000...

    Seriously, wouldn't you be OK selling the £1000 item for say £300 plus vat. This way you shouldn't have any trouble making the sale and you still make a 300 pound profit after tax?

    Or am I...
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    We already have that. It's called Vat. In fact we...

    We already have that. It's called Vat. In fact we suffer about three times more of it than our American cousins. Since we're more communist we apply it nationally so it can be redistributed to lazier...
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    So you're saying that IT contractors who already...

    So you're saying that IT contractors who already have to do an extra seven weeks work this year to make up for the tax changes (VAT and dividends) should also have to pay massive business rates?
    ...
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    I didn't mean that II had hidden charges, but the...

    I didn't mean that II had hidden charges, but the funds in my SIPP have hidden charges which HL claim to have discounts on. Do II have similar discounts?

    Transferring the holdings to cash and back...
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    Hargreaves Lansdowne definitely seem a rip-off...

    Hargreaves Lansdowne definitely seem a rip-off according to that table, but they claim to offer reduced fees for tracker funds etc. Is this included in the cost figures?

    Do II (Interactive...
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    Not sure why you think Brexit is related to the...

    Not sure why you think Brexit is related to the drop in the pound?

    Carney promised to raise interest rates if we voted for Brexit. So we did. Then he betrayed us by doing the opposite and lowering...
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    A skinny Italian guy - Massimo Fatone.

    A skinny Italian guy - Massimo Fatone.
  39. Replies
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    Just use A B And C shares and declare dividends...

    Just use A B And C shares and declare dividends according to how much each of you bills the client, less some agreed amount to pay the accountant etc.

    As long as you can charge at consultancy...
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    I hear Portugal has max 20% income tax for...

    I hear Portugal has max 20% income tax for foreigners, maybe less for dividends. It's also cheap and sunny. I think you have to spend at least six months there in a calendar year and make sure you're...
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    I think you shouldn't vote at all, for two...

    I think you shouldn't vote at all, for two simple reasons.

    1. You are so uninformed that you think a Brexiteer is in charge of the Conservatives. FYI the current Prime Minister is a Remainiac...
  42. Yes. In this case it was the hospital that was...

    Yes. In this case it was the hospital that was being slow. They sent a letter fairly quickly to tell me I would have an appointment in the future - just lied about how far in the future of would be. ...
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    One thing to watch is that they won't just ask...

    One thing to watch is that they won't just ask for the tax you owe, but tax for the next year too. So if you take a lot or you can end up in a tax death spiral. You have to declare extra dividends...
  44. I know (hope) that I'm having a private MRI scan...

    I know (hope) that I'm having a private MRI scan on Monday.

    I know that if the doctors hadn't waited seven months to do approx 20 minutes work, my condition wouldn't have had time to worsen and ...
  45. I think a lot of the problems in the NHS are...

    I think a lot of the problems in the NHS are deliberate. Doctors drag their feet to cause delays, so they can make you go private and they can charge double for the same thing. (even if you don't...
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    I think I currently pay 14.5%, with the evil...

    I think I currently pay 14.5%, with the evil scheme I would pay 16.5% and do more paperwork.
    So whatever I spend the 2% on that avoids the extra tax is more or less free.

    As you may have guessed,...
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    My HDK2 arrived a few minutes ago (cheaper...

    My HDK2 arrived a few minutes ago (cheaper VIVE-like thingy). I'm planning to get the VIVE later.

    I think you need the virtual world first to design your stuff. Then the laser cutter afterwards...
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    Isn't this backwards? I would have to spend more...

    Isn't this backwards? I would have to spend more than 2% to be exempt from their evil scheme?

    In which case I might as well spend 2% of my turnover on the silver bars because they will be...
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    Fixed rate VAT rate / Silver

    Hi,

    My Company is thinking of making some 3D Printed statues made of Silver.

    If I were to spend a couple of thousand pounds next year laying up some metal supplies for this venture - silver...
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    If you could work anywhere...

    Thinking of doing one of these work from home jobbies where "home" could be anywhere in the world.

    Is it actually practical to spend a few months in Italy a few months in Spain and then switch to...
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