Search found 55 matches

by MikeyWorld
March 19th, 2019, 5:48 pm
Forum: Living Below Your Means
Topic: Free Halfords MOT
Replies: 21
Views: 1553

Re: Free Halfords MOT

Mine sailed through for the price of the original 2 for £2 light bulb pack. I'd dusted the engine down with a paint brush, topped up my fluids, popped in a new battery (£40 at ECP), squirted on some terminal protector gunk, spritzed WD40 over the engine (DP60 - it's cheaper - £1), replaced the wiper...
by MikeyWorld
February 23rd, 2019, 2:52 pm
Forum: Taxes
Topic: Tax calculator to estimate this year’s tax
Replies: 12
Views: 646

Re: Tax calculator to estimate this year’s tax

Isn't that fairly simple to achieve in Excel?

(Total Interest - Interest Relief)
+
(Total Dividends - Dividend Relief)
+
Total Income
-
(Personal Allowance + Basic Rate Band)
=
Amount of Income in Higher Rate Band
by MikeyWorld
February 21st, 2019, 5:12 pm
Forum: Mortgages
Topic: Mortgage for a Charity
Replies: 1
Views: 353

Mortgage for a Charity

Moved to mortgages board with shadow left on property board. Hi I don't know if this is the right board. I'm a director / trustee of a charity. We've recently bought and renovated an office space (approx 4,000 sq ft) and moved our various projects under the one roof (and rented out a bit). We have ...
by MikeyWorld
February 14th, 2019, 7:57 pm
Forum: Taxes
Topic: Tax Calculation Questions
Replies: 6
Views: 585

Re: Tax Calculation Questions

I didn't realise they still did SA110 Notes. Trust me, you're wasting your time. Structuring your investments to minimise tax has little to do with the way the tax is calculated. Know your tax bands and cash and investment reliefs Utilise your ISA and capital gains allowances Spend your time learnin...
by MikeyWorld
February 9th, 2019, 5:12 pm
Forum: Taxes
Topic: Tax Calculation Questions
Replies: 6
Views: 585

Re: Tax Calculation Questions

If you hadn't submitted it you'd have a £100 fine. 1) What you are doing wrong is looking at the pdf version of the paper copy, rather than logging in and saving the online calculation page that pops up just before you submit your return. In the old days of filling out paper returns, there would be ...
by MikeyWorld
January 28th, 2019, 5:44 pm
Forum: Does anyone know?
Topic: Bloody Oath
Replies: 15
Views: 861

Re: Bloody Oath

Many other authors - e.g. Jonathan Swift - may be thoroughly rude about their society, but their language is still sexually clean.


I seem to remember that Gulliver kept banging on about the size of his chap.
by MikeyWorld
January 24th, 2019, 5:01 pm
Forum: Living Below Your Means
Topic: Stock up before Brexit?
Replies: 37
Views: 2280

Re: Stock up before Brexit?

Over the last couple of months I have been buying anything that I'll need in the next two years. My house looks like a cash and carry. I've got trays of tins of; plum tomatoes, chopped tomatoes, tomato soup, veg soup, other types of soup, pasta sauce, pasta, rice, baked beans, kidney beans, flageole...
by MikeyWorld
January 21st, 2019, 7:59 pm
Forum: Taxes
Topic: Tax form - fund rebates?
Replies: 6
Views: 325

Tax form - fund rebates?

I usually put the rebates from fund platforms and bank account "rewards" in the equivalent online version of Box 16 from page TR3 paper version

They seem to have "improved" the online form and I can't find it this year.

Where should I put it?
by MikeyWorld
January 5th, 2019, 8:36 pm
Forum: Bank Accounts Savings & ISAs
Topic: Banking facility for a Resident's Company?
Replies: 2
Views: 339

Re: Banking facility for a Resident's Company?

If you want interest, you could link it to a Virgin business savings account. Minimum £1k.

https://uk.virginmoney.com/virgin/business/
by MikeyWorld
December 21st, 2018, 7:25 pm
Forum: Credit Cards and Loans
Topic: Personal vs Consumer CC
Replies: 5
Views: 882

Re: Personal vs Consumer CC

It came half way through the payment process, so I can't get back to the page until next year.
by MikeyWorld
December 20th, 2018, 4:17 pm
Forum: Credit Cards and Loans
Topic: Personal vs Consumer CC
Replies: 5
Views: 882

Personal vs Consumer CC

The DVLA seem to differentiate between personal and consumer credit cards.

Free if it's a personal credit card, £2.50 for a consumer credit card (and corporate / business cards)

What is the difference between personal and consumer?
by MikeyWorld
November 2nd, 2018, 5:00 pm
Forum: Legal Issues (Practical)
Topic: LPA self-inking stamp and self-certify
Replies: 5
Views: 795

Re: LPA self-inking stamp and self-certify

Be gentle, I'm a bit simple.

A solicitor must be holding the original LPA at the time of certifying the copy.


A solicitor must be physically holding the original if that solicitor certifies the copy.

or

The original LPA must be held by solicitors if one self-certifies.
by MikeyWorld
October 22nd, 2018, 6:49 pm
Forum: Legal Issues (Practical)
Topic: LPA self-inking stamp and self-certify
Replies: 5
Views: 795

LPA self-inking stamp and self-certify

This is more of an Ask A Lemony Question. The self-inking stamps that you can buy online: "I certify this is a true and complete copy of the corresponding page" etc always mention that they are for lawyers / solicitors. 1) Can you use them to self-certify, or do you need to write it out by...
by MikeyWorld
October 19th, 2018, 12:00 pm
Forum: Bank Accounts Savings & ISAs
Topic: Power of Attorney: Pre-Registering with Banks?
Replies: 6
Views: 855

Re: Power of Attorney: Pre-Registering with Banks?

Just an update.

Seems that the solicitor had sent it to my dad, so the stuff my dad had in the original meeting was the stuff that I needed.

I'll get him to self-certify a few copies before he sends the stuff to me.

Setting up online banking would be brilliant.

Ta
by MikeyWorld
October 13th, 2018, 8:38 pm
Forum: Computers, TVs & Phones
Topic: Does anyone else get emotional about their main PC?
Replies: 34
Views: 1184

Re: Does anyone else get emotional about their main PC?

Reminded me of a Canadian film:

https://en.wikipedia.org/wiki/Control_Alt_Delete_(film)

Not necessarily a good film, just unforgettable.
by MikeyWorld
October 13th, 2018, 7:59 pm
Forum: Bank Accounts Savings & ISAs
Topic: Power of Attorney: Pre-Registering with Banks?
Replies: 6
Views: 855

Re: Power of Attorney: Pre-Registering with Banks?

Yep, thanks. I was being a bit dippy. I'll collect it from the solicitors.
by MikeyWorld
October 11th, 2018, 3:12 pm
Forum: Bank Accounts Savings & ISAs
Topic: Power of Attorney: Pre-Registering with Banks?
Replies: 6
Views: 855

Power of Attorney: Pre-Registering with Banks?

Didn't know if this was a DAK, legal or banking question. I've just sat in on a meeting with my parents' financial advisor/private banker/wealth manager type person so there will be a few questions heading in this direction shortly. I already have a power of attorney registered, the original is held...
by MikeyWorld
October 8th, 2018, 8:58 pm
Forum: Does anyone know?
Topic: Disposal, recycling of VHS tapes and kitchen knives
Replies: 17
Views: 1335

Re: Disposal, recycling of VHS tapes and kitchen knives

Put them inside a clear plastic bag and leave them outside the front gate, somebody'll have them.
by MikeyWorld
October 5th, 2018, 5:38 pm
Forum: Computers, TVs & Phones
Topic: Web design books over 10 years old - worth keeping?
Replies: 12
Views: 852

Re: Web design books over 10 years old - worth keeping?

PHP & MySQL are not likely to go out of fashion, though they are far easier to learn now that you can download Mamp/Wamp. JavaScript is still useful. It provides the alternative to PHP / MySQL stuff. "MEAN" workflow using Mongo DB is fully JavaScript. AJAX which updates portions of pag...
by MikeyWorld
August 23rd, 2018, 3:12 pm
Forum: Dealing with Debt
Topic: advice sought please
Replies: 30
Views: 4568

Re: advice sought please

I'm not that knowledgeable about mortgages - I went for an offset. Will your lender move you over to interest only / payment holiday? - 4% on 50K is £2k per year - £170 per month. You've then got an extra £400 per month to throw at the cards. You've still got to find this money to pay off the mortga...

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