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by TedSwippet
September 9th, 2019, 7:59 pm
Forum: Does anyone know?
Topic: Why are banks and building societies clustered together?
Replies: 6
Views: 545

Re: Why are banks and building societies clustered together?

bruncher wrote:...but why is it that when you find one bank, you find six nearby?

Hotelling's model of spatial competition?

https://ed.ted.com/lessons/why-do-compe ... ac-de-haan
by TedSwippet
September 9th, 2019, 8:23 am
Forum: Financial Software - Discussion
Topic: LLPC in Google Finance
Replies: 3
Views: 528

Re: LLPC in Google Finance

This returns the data from that page (actually the table where the data is presented) You can then link the actual cell that shows the price into your original tab. Enclosing the HTML import in the appropriate INDEX() will pull the wanted price directly as a single cell. That's a way to eliminate a...
by TedSwippet
September 8th, 2019, 10:55 am
Forum: Legal Issues (Practical)
Topic: Deed of variation and two-year time limit
Replies: 0
Views: 382

Deed of variation and two-year time limit

Following on from this post ... One of the inheritors might need to prepare a deed of variation. My understanding is that this deed needs to be created within two years of the death of the deceased. However, because the number of other inheritors is still unknown (deceased was intestate), the amount...
by TedSwippet
September 6th, 2019, 1:29 pm
Forum: Passive Investing
Topic: Vanguard Pacific ex-Japan interest rather than dividend?
Replies: 6
Views: 840

Re: Vanguard Pacific ex-Japan interest rather than dividend?

Contacting them was my first idea - if only I could get Iweb's webchat to work... Adblocker? Pop-ups blocked? I use Chrome, and generally it's one of those that stops these sorts of things from working -- they can't tell the difference between a legitimate pop-up you expect and an annoying advert o...
by TedSwippet
September 5th, 2019, 5:43 pm
Forum: Computers, TVs & Phones
Topic: Can't get onto my yahoo emails
Replies: 32
Views: 961

Re: Can't get onto my yahoo emails

...The reason it's still working this morning is that Gmail access my Yahoo! emails directly through an API (Application Programming Interface) - a bit of software that accesses the store of emails directly and not through Yahoo! email's web page, which is likely to be the part of the system that i...
by TedSwippet
August 30th, 2019, 8:56 am
Forum: Legal Issues (Practical)
Topic: Estate executor heel-dragging?
Replies: 7
Views: 929

Re: Estate executor heel-dragging?

Yes, my Uncle-In-Law died without a will and it was about 3/4 years as well. He died overseas and was murdered, so that might have added to the delay . . Ouch, not nice at all. Fortunately our circumstances are much less distressing. The insurers could be the issue- it may be more that they are the...
by TedSwippet
August 29th, 2019, 9:46 pm
Forum: Legal Issues (Practical)
Topic: Estate executor heel-dragging?
Replies: 7
Views: 929

Re: Estate executor heel-dragging?

My mother was one of many beneficiaries when an elderly cousin of hers died intestate. The cousin was unmarried, an only child and her parents were dead and the estate was dealt with by a local solicitor. Thanks for this first-hand report of what looks to be a pretty similar case. Whilst a distant ...
by TedSwippet
August 29th, 2019, 4:35 pm
Forum: Legal Issues (Practical)
Topic: Estate executor heel-dragging?
Replies: 7
Views: 929

Estate executor heel-dragging?

Does anyone here have experience on how long it might be expected to take for a firm of solicitors appointed as estate executors to complete distribution of the assets of an intestate deceased to inheritors? I realise that every case will be different. Also, I've only just been given the full inform...
by TedSwippet
August 28th, 2019, 2:38 pm
Forum: Pensions - Practical Problems
Topic: Final salary pension and MPAA
Replies: 5
Views: 772

Re: Final salary pension and MPAA

My question is once I am in payment of this pension am I then restricted to only being able to pay £4000 into my money purchase pension or will I still have the full £40,000 allowance? https://www.moneyadviceservice.org.uk/en/articles/money-purchase-annual-allowance The MPAA only applies to contrib...
by TedSwippet
August 28th, 2019, 12:02 am
Forum: Retirement Investing (inc FIRE)
Topic: SIPP Tax Free Lump Sum
Replies: 4
Views: 974

Re: SIPP Tax Free Lump Sum

I am trying to establish any reasons why I should defer, apart from tax liability on investment outside SIPP, mitigated by maximum ISA allowance and otherwise capital growth shares or IT's as opposed to high dividends. The only reason that I could think of would be if you plan to use your SIPP not ...
by TedSwippet
August 15th, 2019, 10:14 pm
Forum: Computers, TVs & Phones
Topic: New security rules. Bank App or code via SMS text?
Replies: 36
Views: 1727

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

wickham wrote:... but I have an odd situation where my internet gets cut off when the call comes through, so I can't enter the code and by the time the internet has reconnected, the code is out of time.

I've seen this happen with faulty or mis-connected (or absent!) DSL filters. Maybe check this first?
by TedSwippet
August 15th, 2019, 1:51 pm
Forum: Investment Trusts and Unit Trusts
Topic: Vanguard
Replies: 47
Views: 2912

Re: Vanguard

Having decided to buy Vanguard funds through iWeb, I now find myself very confused, and hope someone can help me.... Unfortunately the http://www.vanguardinvestor.co.uk site appears to be geared towards investors with Vanguard accounts who will just click their "Invest Now" button to buy ...
by TedSwippet
August 14th, 2019, 9:07 am
Forum: Taxes
Topic: Box 4/5 for dividends from Investment Trusts
Replies: 12
Views: 1221

Re: Box 4/5 for dividends from Investment Trusts

Probably to facilitate HMRC reconciliation of straight company dividends and OEIC/unit trust dividends which arrive at HMRC's steam driven computational facilities via different routes. Thanks. So no tax reason, just HMRC convenience producing user inconvenience. (If this is the case, I'm willing t...
by TedSwippet
August 13th, 2019, 10:14 pm
Forum: Taxes
Topic: Box 4/5 for dividends from Investment Trusts
Replies: 12
Views: 1221

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, an...
by TedSwippet
August 2nd, 2019, 9:02 am
Forum: Does anyone know?
Topic: Help me choose the best word for this
Replies: 31
Views: 1761

Re: Help me choose the best word for this

Omissive, elective, evitable?
by TedSwippet
August 1st, 2019, 10:33 pm
Forum: Does anyone know?
Topic: Help me choose the best word for this
Replies: 31
Views: 1761

Re: Help me choose the best word for this

Modifier?
by TedSwippet
July 29th, 2019, 9:44 am
Forum: How Do I Invest
Topic: SIPP, ISA or Both?
Replies: 15
Views: 1338

Re: SIPP, ISA or Both?

I'm thinking the biggest drawback of this plan is tying funds up, and at risk of a future government either putting back the date at which you can access the SIPP from 55 to 57, to 60, and the tax free lump sum could also be removed by a future government. As mentioned already, you're right that SI...
by TedSwippet
July 25th, 2019, 10:35 am
Forum: Music, Theatre, TV and Film
Topic: Oh no! Rutger Hauer, RIP!
Replies: 7
Views: 1061

Re: Oh no! Rutger Hauer, RIP!

Cast against type, and impressively comic as the philosophical-yet-unhinged Tillman in the Dave series 'Porters', mostly in series 1.

Worth catching if you've not seen it already. Available on 'UKTV play'.
by TedSwippet
July 16th, 2019, 4:49 pm
Forum: Brokers and Share Dealing
Topic: Alliance Trust Savings taken over by Interactive Investor
Replies: 102
Views: 5240

Re: Alliance Trust Savings taken over by Interactive Investor

I wonder if the people complaining about ii were clients who were with ii before the merger with TD Direct Investing? Whereas the people who are happy are the former TD folks? The reason I say that is because for TD clients there was really no change, as the interface and workings were adopted from...
by TedSwippet
July 15th, 2019, 3:19 pm
Forum: Passive Investing
Topic: Vanguard VWRL - the one stop solution?
Replies: 52
Views: 6624

Re: Vanguard VWRL - the one stop solution?

So overall, if i buy VWRL in GBP it's fair to say I get a global equity exposure and some exposure to a currency mix, however it is likely to more weighted towards dollars as the defacto currency of commodity markets and global trade. On the first clause, yes, On the second, following "however...

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