Search found 339 matches

by pochisoldi
January 17th, 2019, 12:13 pm
Forum: Building and DIY
Topic: Wall Tiles or PVC Paneling in Bathroom?
Replies: 18
Views: 525

Re: Wall Tiles or PVC Paneling in Bathroom?

PS. Anyone know how easy/difficult it will be to remove this stuff?, or whether it can be tiled on top? I would imagine that the only difficulty in removing the surface will be at the edges, e.g. where it interfaces with tiles or other wall coverings. As far as tiling over is concerned, I believe t...
by pochisoldi
January 17th, 2019, 11:58 am
Forum: Does anyone know?
Topic: UCAS applications
Replies: 24
Views: 527

Re: UCAS applications

If I was 18 today with the same ambitions I had when I started my A levels >30 years ago, I would apply for the MEng, on the basis that I would probably end up applying to do an MEng after my batchelors degree anyway to satisfy the educational requirements for Chartered Engineer status. If I was wor...
by pochisoldi
January 14th, 2019, 10:07 am
Forum: Building and DIY
Topic: Central heating inhibitor
Replies: 21
Views: 604

Re: Central heating inhibitor

It's dead easy to drain off a little from the central heating system so that the inhibitor you are adding is pumped around the system straight away. Most modern radiators have drain cocks......just attach a short length of hose and drain off a couple of bucket loads of fluid before adding inhibitor...
by pochisoldi
January 3rd, 2019, 1:12 pm
Forum: Taxes
Topic: Help Needed - An index tracker Non-ISA CGT strategy
Replies: 21
Views: 544

Re: Help Needed - An index tracker Non-ISA CGT strategy

In detail, the mechanics of this would be: Find two trackers X and Y that track the same thing. Buy £whatever of X and £0 of Y. Around mid to end of March each year, for each of X and Y, if there is a capital gain then swap X for Y or Y for X, stopping at £11.7k (or whatever) of total crystallised ...
by pochisoldi
January 3rd, 2019, 12:56 pm
Forum: Taxes
Topic: "Self employed"
Replies: 14
Views: 400

Re: "Self employed"

My OH has a part time (24 hours a week) job, administered through PAYE for tax and NI. He receives payslips and a P60 for this. All well and good. He also works a few hours a week in a pub and this is on a self-employed basis. He is entitled to no holiday pay or sick pay, and is responsible for pay...
by pochisoldi
January 2nd, 2019, 2:08 pm
Forum: Taxes
Topic: Help Needed - An index tracker Non-ISA CGT strategy
Replies: 21
Views: 544

Re: Help Needed - An index tracker Non-ISA CGT strategy

Would the tax man have anything to say about buying something so similar the day after a sale? ie.Does it contravene bed and breakfasting rules? The tax man would have nothing to say as this does not trigger any bed and breakfast rules, as you are selling one asset and buying a different one. The f...
by pochisoldi
December 24th, 2018, 6:25 pm
Forum: Living Below Your Means
Topic: Loyalty pays
Replies: 10
Views: 738

Re: Loyalty pays

On the subject of Nationwide BS, I had free European travel insurance until a couple of months ago. They changed the age criteria so I no longer qualify, even though we septuagenarians are healthier than ever. Fortunately, I never needed the cover. Their debit card is good abroad, well thought of b...
by pochisoldi
December 23rd, 2018, 1:10 pm
Forum: Living Below Your Means
Topic: Loyalty pays
Replies: 10
Views: 738

Re: Loyalty pays

Perhaps they are learning that it pays to keep good customers. Relentlessly chasing new customers with all that implies in marketing and incentive spending could be loss making if the new customers invariably leave after a year. I wonder if the banks will ever learn as well? I always thought that B...
by pochisoldi
December 18th, 2018, 7:52 pm
Forum: Does anyone know?
Topic: Radio Controlled clocks
Replies: 11
Views: 654

Re: Radio Controlled clocks

Most atomic clocks use MSF (UK, Anthorn Cumbria) or DCF77 (Germany). MSF transmits GMT with a flag to indicate summer time. DCF77 transmits CET to indicate summer time. If your clock is capable of using either source, and was syncing to MSF and then switched to DCF77 then it could cause the clock to...
by pochisoldi
December 18th, 2018, 7:37 pm
Forum: Computers, TVs & Phones
Topic: Broadband extenders
Replies: 10
Views: 369

Re: Broadband extenders

I meant to include a reference to this: https://www.lemonfool.co.uk/viewtopic.php?f=40&t=15222 All it needs is a "qwolity" trade bulk pack socket, an electrician with socket tester with an earth pin at the top end of the size range (which tells them that all is fine), followed by a dev...
by pochisoldi
December 18th, 2018, 2:36 pm
Forum: Computers, TVs & Phones
Topic: Broadband extenders
Replies: 10
Views: 369

Re: Broadband extenders

Hi, We have been using a pair of BT Broadband extenders to connect the BT Youview box in the bedroom to the router in the living room. Last week we had an electrician in to re-locate the socket in the bedroom, and in the process change it to a double socket. Since he did that I can no longer get th...
by pochisoldi
December 18th, 2018, 2:35 pm
Forum: Computers, TVs & Phones
Topic: HDMI to SCART convertors?
Replies: 5
Views: 327

Re: HDMI to SCART convertors?

My wife has this amazing idea (yawn!) of having a DVD player next to the TV in the bedroom so she can watch the occasional film (and fall asleep while watching it). I was surprised to discover that, although a flat-screen, the TV has SCART inputs. There are still DVD players sold with SCART outputs...
by pochisoldi
December 18th, 2018, 10:03 am
Forum: Legal Issues (Practical)
Topic: Property Information Form 3rd Edition - subsidence
Replies: 5
Views: 312

Re: Property Information Form 3rd Edition - subsidence

Looks like there is nowhere to disclose previous subsidence. As I see it, the forms are there to collect information allow the purchaser or their lender to take a view on any risk to the property. The forms aren't intended for you to disclose what seems to be a lower than expected risk of subsidence...
by pochisoldi
November 30th, 2018, 1:58 pm
Forum: Taxes
Topic: Am I a higher rate taxpayer
Replies: 59
Views: 1949

Re: Am I a higher rate taxpayer

However it doesn't seem fair that a 20% taxpayer pays £800 to make a £1000 contribution while a 40% taxpayer only pays £600. You seem to have overlooked the fact that both the 20% tax payer and the 40% tax payer both have to earn £1000 in the first place to put £1000 in their pension pot. Now we've...
by pochisoldi
November 28th, 2018, 3:28 pm
Forum: Does anyone know?
Topic: EHIC card scam
Replies: 11
Views: 753

Re: EHIC card scam

" ISTR this has been through the courts and the courts ended up saying that this ... business model... is not actually illegal in itself" The email we received said "From: EHIC" and when they rang and left a message on my wife's phone the man said "I'm from EHIC" so to...
by pochisoldi
November 28th, 2018, 3:24 pm
Forum: Computers, TVs & Phones
Topic: Yahoo! email address loss threatened.
Replies: 10
Views: 490

Re: Yahoo! email address loss threatened.

Phishing attempt.

Don't click on any link, click on the spam button (assuming you are using Yahoo web access), then delete it.
by pochisoldi
November 25th, 2018, 4:40 pm
Forum: Taxes
Topic: Am I a higher rate taxpayer
Replies: 59
Views: 1949

Re: Am I a higher rate taxpayer

You have got it wrong about charitable donations, Lorna. You don't deduct them from your taxable income, but add them to your personal allowance. That way you get relief from the higher rates of tax, but not from basic rate tax. TJH Charitable donations increase your basic rate band, not your perso...
by pochisoldi
November 24th, 2018, 1:20 pm
Forum: Legal Issues (Practical)
Topic: HMO or Lodgings
Replies: 8
Views: 617

Re: HMO or Lodgings

A property with 3 households may or may not be a HMO. It depends how the arrangement is structured So if you have non-resident landlord renting to an individual who lives in the property, who then sublets to two others, it isn't a HMO. (This is covered by the "resident landlord's household + tw...
by pochisoldi
November 24th, 2018, 1:01 pm
Forum: Taxes
Topic: Am I a higher rate taxpayer
Replies: 59
Views: 1949

Re: Am I a higher rate taxpayer

You can be a "higher rate taxpayer" and not pay 40% tax: Using allowances/bands from 2017-18: Earned income/pension income: £43500 (taxed at 0% and 20%) Dividends: £5000 (Taxed at 0%) Interest: £500* (Taxed at 0%) None of this income would be taxed at 40%, however total income is within th...
by pochisoldi
November 24th, 2018, 10:32 am
Forum: Bank Accounts Savings & ISAs
Topic: Nationwide Flexdirect
Replies: 9
Views: 660

Re: Nationwide Flexdirect

feder1 said: The regular saver is not limited to one year. That's a bit disingenuous! The product is a 12 month product and at the anniversary date it transfers into an instant access account paying 0.1%. It may not be limited to a year but even Nationwide have other products paying a better rate t...

Go to advanced search