Search found 48 matches

by puffster
January 20th, 2019, 11:58 am
Forum: Living Below Your Means
Topic: Stock up before Brexit?
Replies: 29
Views: 843

Re: Stock up before Brexit?ist

Now dog food could be a problem - but mine are all labradors and eat anything including "profiteroles" which I have never been able to eat since someone pointed out the similarity of a pile of horse droppings to a serving of them. I would be careful about giving dogs profiteroles as they ...
by puffster
December 16th, 2018, 12:54 pm
Forum: Brokers and Share Dealing
Topic: SIPP in drawdown and adding new funds
Replies: 5
Views: 366

Re: SIPP in drawdown and adding new funds

Puffster - direct all your questions to YouInvest. Why here??? YouInvest customer Relations are always very helpful. Incidentally, of course the funds are credited to your existing a/c if you direct them there. Hi Skyship, My experience with asking direct questions to a broker is that you usually g...
by puffster
December 16th, 2018, 12:45 pm
Forum: Brokers and Share Dealing
Topic: SIPP in drawdown and adding new funds
Replies: 5
Views: 366

Re: SIPP in drawdown and adding new funds

swill453 wrote:See this recent thread viewtopic.php?f=30&t=14860

Scott.

Hi Scott,
I thought that was dealing with a different case but I can now see how it would apply to me. Thanks.
Regards, Puffster
by puffster
December 15th, 2018, 11:40 am
Forum: Brokers and Share Dealing
Topic: SIPP in drawdown and adding new funds
Replies: 5
Views: 366

SIPP in drawdown and adding new funds

I have an AJ Bell Youinvest SIPP that is in drawdown and am thinking about adding further funds (up to the 2880 before tax relief is applied). Does anyone know what happens in the Youinvest SIPP when these funds arrive - does a new SIPP get created or is all the money held in the same account and if...
by puffster
December 2nd, 2018, 12:56 pm
Forum: Taxes
Topic: Am I a higher rate taxpayer
Replies: 59
Views: 1951

Re: Am I a higher rate taxpayer

DrBunsenHoneydew wrote:NI is normally payable on the whole salary including that x% DB pension contribution. Doubtless there is a tax dodge to avoid it.

Salary sacrifice allows the individual and employer to pay less NI.

Regards, Puffster
by puffster
November 19th, 2018, 5:45 pm
Forum: Taxes
Topic: Worst ever HMRC error
Replies: 9
Views: 631

Worst ever HMRC error

Just in the spirit of entertainment, I received a notice of coding today with a new tax code for a recent change to my circumstances. Which would be fine except that one of my existing pensions had unexpectedly been increased by over £150K even though it should not have changed at all! Rang up HMRC ...
by puffster
November 11th, 2018, 8:57 pm
Forum: Brokers and Share Dealing
Topic: Halifax cheap sharedealing days?
Replies: 3
Views: 313

Re: Halifax cheap sharedealing days?

Is it not on the third Wednesday of the month, so Wed 21st Nov this time?

Regards, Puffster
by puffster
October 13th, 2018, 10:46 am
Forum: Taxes
Topic: Selling a second home
Replies: 12
Views: 1310

Re: Selling a second home

Hi all So have been through all the docs and have filled in the TR1, AP1 and it says we need to do ID1s and take them to a local office - nearest is Croydon (20 miles) to be witnessed. Is this right? Or am I misunderstanding the current process? So day off work to get there etc - why not get a loca...
by puffster
October 11th, 2018, 6:26 pm
Forum: Investment Trusts and Unit Trusts
Topic: HFEL top up
Replies: 15
Views: 1232

Re: HFEL top up

I wonder how LWI are achieving that divi growth rate fishing in the usual pool of uk large caps? Dividend seems to be covered although only just last year. Doesn’t seem like that trend can continue. In the recent half year report they said that instead of charging management fees/costs only to the ...
by puffster
October 7th, 2018, 12:43 pm
Forum: Brokers and Share Dealing
Topic: Interactive Investor up the creek
Replies: 12
Views: 838

Re: Interactive Investor up the creek

Thanks, Alaric. I am aware that the cash won't be paid till the whole thing is a done deal, with a court meeting or whatever formalities are required, but in that case why not just leave things as they were and put a note or asterisk saying that they are under offer and no longer saleable, Till it ...
by puffster
September 17th, 2018, 10:27 am
Forum: Other Investing
Topic: Peer to Peer - experiences and risk?
Replies: 59
Views: 6387

Re: Peer to Peer - experiences and risk?

uspaul666 wrote:ITs like VSL, RDL, HONY, FCIF, SQN.

SQN has been a rollercoaster of incompetence, I would suggest one avoids it.

Regards, Puffster
by puffster
August 16th, 2018, 11:09 am
Forum: Retirement Investing (inc FIRE)
Topic: Pension Transfer
Replies: 20
Views: 1851

Re: Pension Transfer

I transferred a pension from Zurich to my current SIPP. When I checked with Zurich about any exit penalties or guarantees that might be lost, they also sent me a pack for the transfer which they said *had* to be filled out so I never used the current SIPP provider to do the transfer. I did this and ...
by puffster
August 15th, 2018, 4:08 pm
Forum: Brokers and Share Dealing
Topic: Logging onto Interactive Investor?
Replies: 26
Views: 1968

Re: Logging onto Interactive Investor?

Worked fine for me this morning.

Regards, Puffster
by puffster
July 21st, 2018, 6:07 pm
Forum: Brokers and Share Dealing
Topic: Brokers offering regular ISA withdrawals
Replies: 13
Views: 1004

Re: Brokers offering regular ISA withdrawals

Good thinking puffster, I have just tried it and it does indeed seem to have worked! Many thanks for taking the trouble to post. All the best, CP Hi CryptoPlankton, I just tried setting this up and it does not work for me (regular ISA to dealing account transfer), bringing up an error message. Havi...
by puffster
July 20th, 2018, 6:53 pm
Forum: Brokers and Share Dealing
Topic: Brokers offering regular ISA withdrawals
Replies: 13
Views: 1004

Re: Brokers offering regular ISA withdrawals

I now think that you can do it with II. Set up a regular internal transfer (monthly in this case) from the ISA to the dealing account for the amount you ultimately want in your bank account. Then set up a regular payment (monthly) from the dealing account to your bank account for the same amount an...
by puffster
July 6th, 2018, 3:07 pm
Forum: Brokers and Share Dealing
Topic: Brokers offering regular ISA withdrawals
Replies: 13
Views: 1004

Re: Brokers offering regular ISA withdrawals

I now think that you can do it with II. Set up a regular internal transfer (monthly in this case) from the ISA to the dealing account for the amount you ultimately want in your bank account. Then set up a regular payment (monthly) from the dealing account to your bank account for the same amount and...
by puffster
June 2nd, 2018, 8:13 pm
Forum: Financial Software - Discussion
Topic: HYP top up spreadsheet - Mercantile IT
Replies: 2
Views: 349

Re: HYP top up spreadsheet - Mercantile IT

Hi Kiloran,

That fixed it, thanks!

Regards, Puffster
by puffster
June 2nd, 2018, 11:31 am
Forum: Financial Software - Discussion
Topic: HYP top up spreadsheet - Mercantile IT
Replies: 2
Views: 349

HYP top up spreadsheet - Mercantile IT

When using the Get Digital Look Forecast Yields button I get a "run time error 91 - object variable or with block variable not set". This seems to be triggered by the Mercantile (MRC) IT which recently went for a 10 for 1 split and it has only happened since this event. The latest HYP 11-5...
by puffster
May 31st, 2018, 10:35 am
Forum: Brokers and Share Dealing
Topic: Brokers offering regular ISA withdrawals
Replies: 13
Views: 1004

Re: Brokers offering regular ISA withdrawals

As far as I knew you can do monthly fixed payments from an II ISA, just choose withdraw/transfer cash from the cash transfers menu and specify it to be monthly. Regards, Puffster Hi Puffster I seem to be able to go through that process for my trading account, but not for my ISA - the frequency butt...
by puffster
May 30th, 2018, 5:28 pm
Forum: Brokers and Share Dealing
Topic: Brokers offering regular ISA withdrawals
Replies: 13
Views: 1004

Re: Brokers offering regular ISA withdrawals

Both Barclays SmartInvestor and Interactive Investor are currently developing the facility to set up regular payments from S&S ISA accounts to nominated bank accounts. This would be handy as it will provide a simple method for drawing a steady income from dividends (leaving sufficient cash in r...

Go to advanced search