Search found 1374 matches

by mc2fool
August 25th, 2019, 7:27 pm
Forum: Investment Strategies
Topic: Share buybacks: a beautiful thing
Replies: 46
Views: 857

Re: Share buybacks: a beautiful thing

BTW, there are also offshore versions of these (IoM & Lux) which still have the 5% for 20 years feature but have the advantage of having no tax within them (so like holding funds in an ISA), but then the disadvantage that withdrawals beyond the return of capital are taxed at your marginal rate o...
by mc2fool
August 25th, 2019, 7:07 pm
Forum: Investment Strategies
Topic: Share buybacks: a beautiful thing
Replies: 46
Views: 857

Re: Share buybacks: a beautiful thing

The tax advantage is this : Under current tax rules you won’t have to pay basic rate income tax or capital gains tax on your Flexibond. Yes, but that's because: https://www.nfumutual.co.uk/globalassets/investments/bonds/flexibond/nfu-mutual-flexibond-key-features.pdf NFU Mutual pays tax on income a...
by mc2fool
August 25th, 2019, 5:51 pm
Forum: Investment Strategies
Topic: Share buybacks: a beautiful thing
Replies: 46
Views: 857

Re: Share buybacks: a beautiful thing

The beauty is that you can withdraw 5% annually for 20 years without paying any tax as this 5% is considered return of capital. You can withdraw 5% annually for 20 years of the amount you have invested without paying any tax. In other words you can get back out 100% of the amount you put in free of...
by mc2fool
August 23rd, 2019, 3:40 pm
Forum: Brokers and Share Dealing
Topic: SVS Securities bites the dust
Replies: 52
Views: 2117

Re: SVS Securities bites the dust

Has anyone affected had any contact regarding their accounts yet? I have heard nothing so far - I would have thought that a courtesy email to all the affected clients would have been posted by now. Have you looked at the Administrators' site, https://www.leonardcurtis.co.uk/SVS/? According to that ...
by mc2fool
August 23rd, 2019, 3:26 pm
Forum: Computers, TVs & Phones
Topic: Windows Update 1903 - right-click in task bar not working
Replies: 5
Views: 301

Re: Windows Update 1903 - right-click in task bar not working

Thank you for the extra info. The problem is now fixed. It was not NCH Express Zip File Compression. It was a 'Memeo LIfe Agent Explorer Extension' a legacy from when I used Memeo software for backing up. I followed the instructions here: https://www.winhelponline.com/blog/fix-slow-right-click-cras...
by mc2fool
August 21st, 2019, 2:31 pm
Forum: Computers, TVs & Phones
Topic: Windows Update 1903 - right-click in task bar not working
Replies: 5
Views: 301

Re: Windows Update 1903 - right-click in task bar not working

Thanks, mc2fool. I downloaded ShellExView but not sure what to do next. When I click on the links you gave to previous threads I get the message "No posts exist inside this topic for the selected time frame.". Uh?!? They work for me.... The second one says: I used ShellExView as described...
by mc2fool
August 21st, 2019, 10:15 am
Forum: Computers, TVs & Phones
Topic: Windows Update 1903 - right-click in task bar not working
Replies: 5
Views: 301

Re: Windows Update 1903 - right-click in task bar not working

I had a similar-ish problem after upgrading to 1809, with left-clicking a folder within the File Explorer taskbar right-click menu, right-clicking This PC and clicking on Manage , and Run as administrator all no longer working. See https://www.lemonfool.co.uk/viewtopic.php?f=39&t=15172&p=187...
by mc2fool
August 17th, 2019, 1:37 pm
Forum: Investment Strategies
Topic: ETF's v Unit Trusts(or OEIC's) v Investment Trusts
Replies: 22
Views: 1439

Re: ETF's v Unit Trusts(or OEIC's) v Investment Trusts

The clue is in the name. An ETF is just an open ended fund you can trade on a secondary market. Unlike an OEIC where you invest directly in or out of the fund, usually once a day, an ETF trader has to find a counter-party. No he doesn't. The LSE doesn't operate a matched-bargain system, it works on...
by mc2fool
August 17th, 2019, 1:09 pm
Forum: Computers, TVs & Phones
Topic: New security rules. Bank App or code via SMS text?
Replies: 36
Views: 1074

Re: New security rules. Bank App or code via SMS text?

Natwest, Nationwide, Smile, Barclays all use the same interface and technology. The first three have devices which are identical in all but colour and branding (designed for people with small fingers). Barclays is slightly bigger, the buttons are designed for the fat fingered amongst us (more like ...
by mc2fool
August 17th, 2019, 12:46 pm
Forum: Computers, TVs & Phones
Topic: IPC360/Remote camera access
Replies: 0
Views: 277

IPC360/Remote camera access

My brother, who lives a couple of hundred miles from me and isn't very techie, has set up a camera at my mum's, who lives close to him and is in need of fairly regular attention, so he can keep an eye on her in case she takes a fall, etc, which he does remotely on both an iPad and an Android phone. ...
by mc2fool
August 16th, 2019, 9:40 pm
Forum: Computers, TVs & Phones
Topic: New security rules. Bank App or code via SMS text?
Replies: 36
Views: 1074

Re: New security rules. Bank App or code via SMS text?

https://www.smile.co.uk/global/security/two-factor-authentication? We are replacing card readers with a different way of verifying yourself. We're also increasing security when you view statements, transactions and scheduled payments and sometimes when you log in. Don't worry though, you won't need...
by mc2fool
August 16th, 2019, 9:27 pm
Forum: Beerpig's Snug
Topic: You can't get lost with this App - What3Words
Replies: 28
Views: 852

Re: You can't get lost with this App - What3Words

Actually it appears to be a feature -- " To prevent mistakes, similar 3 word addresses are placed as far apart as possible. ", https://what3words.com/about-us/ -- and if you think about it that makes sense. If I arrange to meet up with you in London and give you a three-word address for t...
by mc2fool
August 16th, 2019, 8:47 pm
Forum: Beerpig's Snug
Topic: You can't get lost with this App - What3Words
Replies: 28
Views: 852

Re: You can't get lost with this App - What3Words

Unfortunately the flaw in the system is that is someone mis-remembers the words slightly, so engine, windows, club, then where on earth is that - the next block over, 100 miles away, 1000? Nowhere near so close! engine.doors.club - Rockford, Illinois, USA engine.windows.club - Jining, Shandong Shen...
by mc2fool
August 16th, 2019, 7:37 pm
Forum: Beerpig's Snug
Topic: You can't get lost with this App - What3Words
Replies: 28
Views: 852

Re: You can't get lost with this App - What3Words

but of course people are more likely to remember engine,doors,club than they are 38.8977° N, 77.0365° W didds Unfortunately the flaw in the system is that is someone mis-remembers the words slightly, so engine, windows, club, then where on earth is that - the next block over, 100 miles away, 1000? ...
by mc2fool
August 16th, 2019, 7:14 pm
Forum: Computers, TVs & Phones
Topic: New security rules. Bank App or code via SMS text?
Replies: 36
Views: 1074

Re: New security rules. Bank App or code via SMS text?

As a slight aside, although not to my knowledge going away from them, HSBC introduced the ability to say that you want your HSBC banking app to be the source of your secure codes in future rather than the physical device. They've had the "Digital Secure Key" (what you describe) for a whil...
by mc2fool
August 16th, 2019, 4:12 pm
Forum: Computers, TVs & Phones
Topic: New security rules. Bank App or code via SMS text?
Replies: 36
Views: 1074

Re: New security rules. Bank App or code via SMS text?

These new rules are forcing providers to replace previously-secure methods such as card-reader codes and grid cards. No they don't. The Payment Services Directive (PSD2) just requires " strong customer authentication " (aka 2FA), which it defines as follows; it doesn't mandate or proscrib...
by mc2fool
August 16th, 2019, 2:12 pm
Forum: REITs & Property Companies
Topic: the NewRiver REIT (NRR) topic
Replies: 99
Views: 6310

Re: the NewRiver REIT (NRR) topic

Yep, REITs are mandated to pay out most of their profits as dividends - they cannot just cut them. REITs are exempt from paying corporate tax and are required to distribute at least 90% of quarterly profits as dividends (defined as Property Income Distributions, or PIDs). Almost ... REITs are requi...
by mc2fool
August 15th, 2019, 2:21 pm
Forum: Investment Trusts and Unit Trusts
Topic: Vanguard
Replies: 47
Views: 2686

Re: Vanguard

And quite why we need MEXID, SEDOL and the whole other menagerie of also-rans for fund identifiers is a mystery to me! In talking with IWeb before it seems that the SEDOL is the unique key their systems use. Dunno why. MEXIDs seem to be the primary code used for funds by both IWeb and ATS and they ...
by mc2fool
August 15th, 2019, 1:30 pm
Forum: Taxes
Topic: Box 4/5 for dividends from Investment Trusts
Replies: 12
Views: 633

Re: Box 4/5 for dividends from Investment Trusts

Was a bit surprised to get an email from Interactive Investors saying I now have an amended Consolidated Tax Certificate (CTC) for the 2018 Tax Year available for me, and on taking a look the only substantive difference between the new one and the one they issued back in May is that occurrences of ...
by mc2fool
August 15th, 2019, 11:56 am
Forum: Investment Trusts and Unit Trusts
Topic: Vanguard
Replies: 47
Views: 2686

Re: Vanguard

Having decided to buy Vanguard funds through iWeb, I now find myself very confused, and hope someone can help me.... On the Vanguard site the funds are identified by their "Index Ticker", eg TAWNT01U; https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-all-world-ucits-etf-usd-dis...

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