Search found 7 matches

by DeepSporran
August 16th, 2019, 7:25 pm
Forum: Living Below Your Means
Topic: Free Halfords MOT
Replies: 22
Views: 2751

Re: Free Halfords MOT (Better than free !)

Sorry to resurrect an old thread, but I wanted to share my joy ... Bought a cycle gear cable for £1.99 last year to get the free MOT. Finally took the car in the other day having booked using the code. Passed with no problems. Couple of advisories which mechanic talked us through (rusting brake disc...
by DeepSporran
March 27th, 2019, 12:11 pm
Forum: Pensions - Practical Problems
Topic: gaps in NI record
Replies: 6
Views: 544

Re: gaps in NI record

Post #11 by ‘sledgehead’ in this MoneySavingExpert thread: https://forums.moneysavingexpert.com/showthread.php?t=5663729&highlight=voluntary+class+contributions tells you how to work out the reference, but to be honest, I think it would be safer to check with HMRC or just send a cheque with cove...
by DeepSporran
December 21st, 2018, 10:08 pm
Forum: Bank Accounts Savings & ISAs
Topic: ISA going down
Replies: 18
Views: 1574

Re: ISA going down

You can delay claiming losses for up to 4 years after they occur, then you lose them Indeed, but as long as you claim them (i.e. inform HMRC of the loss) within 4 years, there is no time limit on when you can actually use them to offset realised gains in future tax years. That’s my understanding an...
by DeepSporran
December 21st, 2018, 7:07 pm
Forum: Bank Accounts Savings & ISAs
Topic: ISA going down
Replies: 18
Views: 1574

Re: ISA going down

@stooz you will pay dealing costs to change funds, typically a £10 each to buy and sell. At least with an ISA you don't have capital gains issues, but outside one you'd be crystallizing capital losses, which you might regret 5 years in the future when you want to sell again (Bought for £100k, sold/...
by DeepSporran
June 1st, 2018, 8:43 pm
Forum: Does anyone know?
Topic: A name for a Nanny
Replies: 4
Views: 581

Re: A name for a Nanny

Ayah?

From website

en.oxforddictionaries.com


“A nursemaid or nanny employed by Europeans in India or another former British territory.”
by DeepSporran
April 4th, 2018, 10:59 pm
Forum: Taxes
Topic: Tax year end - pension conts
Replies: 26
Views: 1759

Re: Tax year end - pension conts

It may be that all is not lost even if you take no more action this tax year. Can’t you carry forward unused SIPP contribution allowances to future tax years and get the tax benefits later ? Not an area I know anything about but I think I’ve seen something about making SIPP contributions for previou...
by DeepSporran
April 4th, 2018, 8:30 pm
Forum: Taxes
Topic: Tax year end - pension conts
Replies: 26
Views: 1759

Re: Tax year end - pension conts

This is probably too late for you to act upon but my understanding of the £5000 dividend allowance is that, while dividend amounts up to that figure are taxed at 0%, they are still added on to your other income to determine whether you have exceeded the £45000 standard rate band. So your figure of £...

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