Search found 5884 matches

by Lootman
September 19th, 2019, 7:44 pm
Forum: Investment Strategies
Topic: Dividends vs Growth and Tax
Replies: 27
Views: 517

Re: Dividends vs Growth and Tax

I’m looking at that delta between 20% and 32.5% on the Capital Gains and Dividend Tax Rates, I think SalvorHardin may be in a similar situation and understands the scenario, that’s a significant difference in tax treatment. Yes. I'm a basic rate taxpayer living off a portfolio yield of 1.5%. I use ...
by Lootman
September 19th, 2019, 3:23 pm
Forum: Investment Strategies
Topic: Dividends vs Growth and Tax
Replies: 27
Views: 517

Re: Dividends vs Growth and Tax

More interestingly, whilst HYPers can reel off a long list of the usual suspect dividend shares, where are the growth shares? Which are these? There is no growth board (at least here) anywhere near so active as the HYP boards. The best place to find growth shares is overseas stock markets and among...
by Lootman
September 16th, 2019, 5:43 pm
Forum: Family Matters
Topic: tax avoidance for grandchildren
Replies: 5
Views: 228

Re: tax avoidance for grandchildren

I understand that it is LibDem policy. https://www.tax.org.uk/media-centre/blog/media-and-politics/reforming-taxation-wealth-report-liberal-democrat-conference The crux of the idea seems to be here: "Under the proposal, every individual would be given a lifetime tax-free allowance of £250,000....
by Lootman
September 16th, 2019, 3:53 pm
Forum: Biscuit Bar
Topic: Anonymous donations?
Replies: 8
Views: 493

Re: Anonymous donations?

I've noticed Anonymous donations before. You can donate when not logged in. The donate link is still there. Is that an error? I haven't followed it through to actually making a payment, but my guess is that shows as "Anonymous". But, the user won't get the benefits if they do this. Of cou...
by Lootman
September 16th, 2019, 3:41 pm
Forum: Does anyone know?
Topic: Not informing banks of a death
Replies: 10
Views: 567

Re: Not informing banks of a death

if cheques are paid in retrospectively it raises the question of the value of the deceased's estate at the moment of death. I imagine HMRC would be interested if there was a large post-mortem in-payment because the estate does not, for example, receive a personal allowance; unless of course the ban...
by Lootman
September 15th, 2019, 10:16 pm
Forum: Retirement Investing (inc FIRE)
Topic: Thinking of retiring early @55
Replies: 15
Views: 980

Re: Thinking of retiring early @55

We have no children so not interested in leaving a legacy, but equally don't want to run out of money. I figured we could sell the house when we were 90 and rent using the proceeds. I think the idea of giving up owning your home and renting at a certain age can make a lot of sense. Not only does th...
by Lootman
September 15th, 2019, 8:01 pm
Forum: Biscuit Bar
Topic: Anonymous donations?
Replies: 8
Views: 493

Re: Anonymous donations?

I notice that the list of people who have recently donated to TLF (near the top of many pages, including the home page ) currently includes "Anonymous". But the page on which one can make a donation doesn't have an option to make one's donation anonymous. And there isn't a registered user...
by Lootman
September 15th, 2019, 7:43 pm
Forum: Taxes
Topic: Stamp Duty Land Tax
Replies: 15
Views: 628

Re: Stamp Duty Land Tax

does the owning of BTL properties affect your situation? They are a business after all and just because you let properties rather than sell bananas at a market stall should not make any difference surely? I somehow doubt that such an argument would be accepted by HMRC no matter how reasonable it se...
by Lootman
September 15th, 2019, 7:22 pm
Forum: Does anyone know?
Topic: Airplanes and wind speed disruption
Replies: 9
Views: 362

Re: Airplanes and wind speed disruption

Very few modern large airports have multiple runways facing in different directions. Though such an arrangement is common on small and military airfields. Even those large airports which do have multiple runways they are usually parallel. All of Heathrow's runways have exactly the same alignment. I...
by Lootman
September 14th, 2019, 11:43 pm
Forum: Does anyone know?
Topic: Airplanes and wind speed disruption
Replies: 9
Views: 362

Re: Airplanes and wind speed disruption

Planes always take and off and and into the wind, for good reasons, so you should be more worried if you are not doing that. I once took off in the direction of the wind due to a special circumstance and I thought we were never to get off the ground. Were you flying into Birmingham airport by any ch...
by Lootman
September 14th, 2019, 11:24 pm
Forum: Beerpig's Snug
Topic: Watch out!
Replies: 8
Views: 548

Re: Watch out!

But more importantly it just seems to me completely stupid to remove the strap at all. I do understand that it may be illegal, or at least ethically unacceptable to manufacture new straps from alligator skin. But what possible point is there in removing a perfectly good strap that was obviously qui...
by Lootman
September 14th, 2019, 12:15 am
Forum: Does anyone know?
Topic: UK Supreme Court
Replies: 7
Views: 440

Re: UK Supreme Court

The United Kingdom has a doctrine of parliamentary sovereignty, so the Supreme Court is much more limited in its powers of judicial review than the constitutional or supreme courts of some other countries. It cannot overturn any primary legislation made by Parliament Then it is useless. When civil ...
by Lootman
September 13th, 2019, 11:26 pm
Forum: Polite Discussions
Topic: Boris Johnson PM - how it's going?
Replies: 1056
Views: 21091

Re: Boris Johnson PM - how it's going?

I don’t think that a political party set up to look after the interests of the “indigenous” British population would agree. Agreed and none of the parties with a plausible chance of winning anything think that way. But the whole idea that Brexit supporters are racists is off the mark anyway. The pe...
by Lootman
September 13th, 2019, 11:20 pm
Forum: High Yield Shares & Strategies - general
Topic: Selling Unilever?
Replies: 50
Views: 1677

Re: Selling Unilever?

Why not just sell 2% every year if you want the income? Hey presto, a 5% income yield and I suspect the total return would still outperform a few of the usual suspects with ‘natural’ 5% yields. Perfectly reasonable answer - if your holding is big enough for selling 2% of it to be a cost-effective s...
by Lootman
September 13th, 2019, 10:01 pm
Forum: Does anyone know?
Topic: UK Supreme Court
Replies: 7
Views: 440

Re: UK Supreme Court

The way it works in the US is that SCOTUS operates at a higher level than both the individual states, and the executive and legislative branches of the federal government. So if a State passes a law that SCOTUS deems to be unconstitutional then that state law is rendered moot. SCOTUS can also bounce...
by Lootman
September 13th, 2019, 9:43 pm
Forum: Polite Discussions
Topic: Boris Johnson PM - how it's going?
Replies: 1056
Views: 21091

Re: Boris Johnson PM - how it's going?

I think that most people would wish to look after the interests of the indigenous population of their Country. Why should it be otherwise? Tell that to the average American or Australian. I cannot speak to the situation in Australia, but Native Americans in the US and Canada enjoy some special bene...
by Lootman
September 13th, 2019, 5:05 pm
Forum: Does anyone know?
Topic: Mobile phones
Replies: 12
Views: 304

Re: Mobile phones

the time will no doubt come when a smart phone will become a necessity to function in the 'modern' world. Which reminds me that the last time I had a problem with immigration at an airport was in Dublin a couple of years ago. The officer asked me for proof of my flight leaving Dublin (the next day)...
by Lootman
September 13th, 2019, 2:51 pm
Forum: Does anyone know?
Topic: Mobile phones
Replies: 12
Views: 304

Re: Mobile phones

According to Google, 3% of UK households do not have a mobile phone. If the population is about 60 million, then maybe 3 million do not have or use a mobile phone. I am one of those people who has never used one simply because I don’t feel the need. I am happy to use land lines and do not use socia...
by Lootman
September 12th, 2019, 9:38 pm
Forum: Laughing Lemons
Topic: Brexit Beer Deal
Replies: 8
Views: 560

Re: Brexit Beer Deal

I had feared you were lost to these boards due to your unretirement. Are you back posting again? Yes. I quit after 3 days when it became clear that I was expected to work most days in Central London, having been told that I was going to be allowed to work most days at home. I gather that there had ...
by Lootman
September 12th, 2019, 9:23 pm
Forum: Brokers and Share Dealing
Topic: Large share sell above NMS
Replies: 6
Views: 672

Re: Large share sell above NMS

I think so, yes. The one occasion I've looked to trade size on an illiquid market, my order was rejected by the online' platform (multiple times!). Upon calling my account manager, they offered some alternatives, one of which was for them to handle the transaction on their side. I didn't end up tak...

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