Search found 499 matches

by pochisoldi
August 21st, 2019, 3:30 pm
Forum: Financial Software - Discussion
Topic: OFX Downloads - Barclays turn
Replies: 0
Views: 34

OFX Downloads - Barclays turn

A few weeks ago it was First Direct, now it's Barclays breaking things. Last week I could quickly download an OFX file containing all my accounts by clicking directly on a link on the home page, clicking a two or three "confirm"/"OK" buttons. No scrolling, one download, all done....
by pochisoldi
August 20th, 2019, 6:01 pm
Forum: Does anyone know?
Topic: Paying off the mortgage.
Replies: 13
Views: 441

Re: Paying off the mortgage.

current rate is 2.2% on 134K. currently paying 228.82 interest payment and £310 investments (which include a premium for life assurance on me and my wife for £134K) I confess Im not actually that bothered about "gaming" it all... I'm looking at a clean breeak with a view to then starting ...
by pochisoldi
August 17th, 2019, 1:04 pm
Forum: Computers, TVs & Phones
Topic: New security rules. Bank App or code via SMS text?
Replies: 36
Views: 946

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

I have a card reader from Nationwide. Never use it, it's too inconvenient even at home, let alone the idea of giving the wretched thing pocket-space when away. Now if it were a sim card, or at worst a USB stick, to verify me, that could be a different story. I also have a Nationwide card reader, bu...
by pochisoldi
August 16th, 2019, 10:39 am
Forum: Legal Issues (Practical)
Topic: Who Would be Responsible?
Replies: 23
Views: 810

Re: Who Would be Responsible?

For a toilet cistern to cause flooding within the space of a few hours, suggests that the overflow arrangements were either faulty, inadequate or non-existent. Or tampered with. Do both the shop and office have access to the toilet? If they do, the words "poorly executed insurance job" mi...
by pochisoldi
August 16th, 2019, 10:10 am
Forum: Legal Issues (Practical)
Topic: Who Would be Responsible?
Replies: 23
Views: 810

Re: Who Would be Responsible?

It is unclear to me from the OP whether both the shop and offices are let to the same tenant, or to two separate tenants. I would be interested to know whether this makes a difference. If they are let to the same legal person, then that person can't sue themselves for damages. Note the use of "...
by pochisoldi
August 15th, 2019, 6:11 pm
Forum: Legal Issues (Practical)
Topic: Who Would be Responsible?
Replies: 23
Views: 810

Re: Who Would be Responsible?

Do the normal rules not apply if its commercial property ? With residential property you can only successfully claim against the owner of the upper property if they can be shown to have been negligent in some way. If there is no negligence then they would not normally be liable. Not in the block wh...
by pochisoldi
August 15th, 2019, 6:02 pm
Forum: Computers, TVs & Phones
Topic: New security rules. Bank App or code via SMS text?
Replies: 36
Views: 946

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

The Barclays app allows you to use phone+app+5 digit pin to get a one time code in the same way as you would do with a card reader+debit card+4 digit pin. Neither of those two methods require any form of connectivity to get the one time code. (Note that an unregistered or deregistered app won't pass...
by pochisoldi
August 15th, 2019, 5:52 pm
Forum: Legal Issues (Practical)
Topic: Who Would be Responsible?
Replies: 23
Views: 810

Re: Who Would be Responsible?

As a result, the extensive damage to stock will put the tenant out of business. He is now seeking legal options. Do you think he has a case to sue the landlord even though he chose not to insure his stock in the first place, in order to cut costs? If the leaseholder were to sue it would be on the b...
by pochisoldi
August 14th, 2019, 12:48 am
Forum: Taxes
Topic: Box 4/5 for dividends from Investment Trusts
Replies: 12
Views: 492

Re: Box 4/5 for dividends from Investment Trusts

Can anyone tell me offhand what is the point of this box 4/5 separation anyway? Pretty well every year, in online self-assessment, I initially put my UT and OEIC dividends in ' Dividends from UK companies ' box 4, then later discover the error and move them to ' Other dividends ' box 5 on review, a...
by pochisoldi
August 8th, 2019, 10:46 am
Forum: Legal Issues (Practical)
Topic: Considerations for mum selling property to move closer/in with me?
Replies: 13
Views: 735

Re: Considerations for mum selling property to move closer/in with me?

I would kick the inheritance tax can down the road by buying the property jointly or buying the property in a single name as sole trustee. In both cases a deed of trust would need to be drawn up to represent the relative proportions of ownership. Put another way, the property can be registered in th...
by pochisoldi
August 8th, 2019, 7:58 am
Forum: Taxes
Topic: Xpost - IHT: Mum selling up and moving...
Replies: 0
Views: 311

Xpost - IHT: Mum selling up and moving...

Some of the expertise from this forum might be useful for a daughter considering the IHT+other tax implications of Mum selling up, and daughter buying new place for Mum+D to live in using the proceeds. Replies under the original post please https://www.lemonfool.co.uk/viewtopic.php?f=2&t=18935 P...
by pochisoldi
August 8th, 2019, 7:54 am
Forum: Computers, TVs & Phones
Topic: Is direct Ethernet Cabling needed? For what?
Replies: 13
Views: 703

Re: Is direct Ethernet Cabling needed? For what?

"Is direct Ethernet Cabling needed?" Not where wifi is available "For what?" See above. If I had a house with installed ethernet I would: 1) Make sure I had a gigabit ethernet switch 2) Use the wired network to feed anything which is fixed and located close to an ethernet outlet....
by pochisoldi
August 6th, 2019, 8:48 am
Forum: Legal Issues (Practical)
Topic: TR1 Form on Completion
Replies: 8
Views: 814

Re: TR1 Form on Completion

Yes. The seller's solicitor will ensure that the seller has signed the transfer prior to completion, and he wouldn't (or shouldn't) let the seller have the sale proceeds without a signed transfer. To the OP - you should note what Clitheroekid has said here, as it should help quell some of your worr...
by pochisoldi
August 3rd, 2019, 5:13 pm
Forum: Does anyone know?
Topic: How much Professional Indemnity Insurance - Architect - Residential project
Replies: 19
Views: 681

Re: How much Professional Indemnity Insurance - Architect - Residential project

http://www.arb.org.uk/architect-information/professional-indemnity-insurance/pii-guidance/ Limit of Indemnity The Board recommends that the minimum limit of indemnity provided by PII should be £250,000 for each and every claim. Any departure from this minimum is likely to result in only minor saving...
by pochisoldi
August 3rd, 2019, 12:43 am
Forum: Building and DIY
Topic: Replacement Plug
Replies: 15
Views: 1166

Re: Replacement Plug

Yesterday I tried to get the old plug soldered without success. The TV repair shop has been replaced with a barbers but I did find a computer repair shop.There was only a assistant available.They thought it would be no problem repairing the plug but it would cost at least a tenner! I have decided t...
by pochisoldi
August 3rd, 2019, 12:08 am
Forum: Legal Issues (Practical)
Topic: TR1 Form on Completion
Replies: 8
Views: 814

Re: TR1 Form on Completion

two key things need to happen on completion day: 1) The purchaser's money has been received by the vendor's conveyancer 2) The vendor has moved out. Then you (the purchaser) can move in. I recall a case where a friend of mine completed a purchase but then allowed the seller to live there for a furt...
by pochisoldi
August 2nd, 2019, 11:12 pm
Forum: Legal Issues (Practical)
Topic: TR1 Form on Completion
Replies: 8
Views: 814

Re: TR1 Form on Completion

Short version You are paying your conveyancer to deal with this, don't worry about it. I don't think I've ever seen a copy of a TR1... Long version: Buying a property: Exchange: You are contractually obliged to go ahead with the transaction. At this stage the purchaser has an "interest" in...
by pochisoldi
July 30th, 2019, 12:25 pm
Forum: Computers, TVs & Phones
Topic: Domain registrars for .com and .co.uk
Replies: 10
Views: 749

Re: Domain registrars for .com and .co.uk

I've transferred a .org.uk domain twice, a .co.uk domain is transferred by the same "push" method. You contact your existing registrar and ask them to change the "IPS tag" (aka "Registrar tag") to the tag of the new registrar. (in other words the domain is "pushed&...
by pochisoldi
July 30th, 2019, 12:16 pm
Forum: Building and DIY
Topic: Replacement Plug
Replies: 15
Views: 1166

Re: Replacement Plug

I have a Gtech HT04 Hedge Trimmer that is in perfect working order apart from the charger plug that has broken.(The input leads have come away from the plug). Gtech have discontinued the HT04 and could not suggest any other supply source for the charger plug. According to the Gtech manual for the H...
by pochisoldi
July 28th, 2019, 2:19 am
Forum: Legal Issues (Practical)
Topic: Discriminatory Council Services
Replies: 6
Views: 750

Re: Discriminatory Council Services

Doesn't work. He lives a few miles away and pays council tax to a neighbouring council, so wouldn't be eligible. Either do multiple trips without the trailer to your recycling centre, or fill the car+trailer and take the rubbish to his "recycling centre", making sure that everything in th...

Go to advanced search